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    "unit": "iso4217:EUR"
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    "unit": "iso4217:EUR"
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    "unit": "iso4217:EUR"
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    "unit": "iso4217:EUR"
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    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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   "decimals": -3,
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    "concept": "oberbankag:InterestReceivedFromOperatingAndInvestingActivities",
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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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   "decimals": -3,
   "dimensions": {
    "concept": "oberbankag:InterestReceivedFromOperatingAndInvestingActivities",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-375": {
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   "decimals": -3,
   "dimensions": {
    "concept": "oberbankag:DividendsReceivedFromOperatingAndInvestingActivities",
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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-377": {
   "value": "68778000",
   "decimals": -3,
   "dimensions": {
    "concept": "oberbankag:InterestPaidFromOperatingAndFinanceActivities",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-378": {
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   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfOtherEquityInstruments",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-379": {
   "value": "2925000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:PaymentsOfOtherEquityInstruments",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  "fact-380": {
   "value": "48839000",
   "decimals": -3,
   "dimensions": {
    "concept": "oberbankag:IncomeTaxPaidFromOperatingInvestingAndFinanceActivities",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
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  "fact-381": {
   "value": "37315000",
   "decimals": -3,
   "dimensions": {
    "concept": "oberbankag:IncomeTaxPaidFromOperatingInvestingAndFinanceActivities",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
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  "fact-496": {
   "value": "Erl\u00e4uterungen (No<span class=\"_ _0\"></span>tes) zum Konzernabsch<span class=\"_ _0\"></span>luss<span class=\"_ _128\"> </span>Einleitung<span class=\"_ _128\"> </span>Die Oberbank AG ist die \u00e4ltest<span class=\"_ _0\"></span>e noch selbst\u00e4ndige b\u00f6rsennotierte Aktienbank \u00d6sterr<span class=\"_ _0\"></span>eichs. Sie steht vollst\u00e4ndig im Privatbe-<span class=\"_ _128\"> </span>sitz und notiert an der Wiener B\u00f6rse. Die Oberban<span class=\"_ _0\"></span>k hat ihren Firmensitz in 4020 Linz, Unt<span class=\"_ _0\"></span>ere Donaul\u00e4nde 28. Die Positionie-<span class=\"_ _128\"> </span>rung der Oberban<span class=\"_ _0\"></span>k AG ist gekennzeichnet durch ihre r<span class=\"_ _0\"></span>egionale Verbundenheit, ihre Unabh\u00e4ngigkeit, ihre starke Kundenori-<span class=\"_ _128\"> </span>entierung und das t<span class=\"_ _0\"></span>iefe regionale Durchdringen ihrer Einzugsgebiete. Die Oberbank bietet<span class=\"_ _0\"></span> alle wichtigen klassischen Bank-<span class=\"_ _128\"> </span>dienstleistungen einer Univers<span class=\"_ _0\"></span>albank an. Der Vorstand der Oberbank A<span class=\"_ _0\"></span>G hat den Konzernabschluss am 7. M\u00e4rz 2023 u<span class=\"_ _0\"></span>nterzeichnet und zur Weitergabe an den <span class=\"_ _1\"></span> Aufsichtsrat freigegeben.<span class=\"_ _128\"> </span>Die Genehmigung des Abschlusses 2022<span class=\"_ _0\"></span> und d<span class=\"_ _0\"></span>ie Freigabe zur Ver\u00f6ffentlichung sind f\u00fcr den 23. M\u00e4r<span class=\"_ _0\"></span>z 2023 vorge<span class=\"_ _0\"></span>sehen.<span class=\"_ _128\"> </span>1) Konsolidierungskreis der Oberban<span class=\"_ _0\"></span>k<span class=\"_ _128\"> </span>Der Konsolidierungskreis u<span class=\"_ _0\"></span>mfasst im Jahr 2022 neben der Oberbank AG 29 in<span class=\"_ _0\"></span>l\u00e4ndische und 16 ausl\u00e4ndische Tochterunter<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>nehmen. Der Kreis der einb<span class=\"_ _0\"></span>ezogenen verbundenen Unternehmen hat s<span class=\"_ _0\"></span>ich im Vergleich zum 31. <span class=\"_ _0\"></span>Dezember 2021 wie folgt<span class=\"_ _128\"> </span>ver\u00e4ndert:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Der Erwerb der Oberban<span class=\"_ _0\"></span>k Frank Immobilienleasing GmbH, Linz, f\u00fchrte zu einer Erh\u00f6<span class=\"_ _0\"></span>hung der Forderungen an Kund<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></span></span>um 18 Tsd. Euro und d<span class=\"_ _0\"></span>er Sonstigen Aktiva um 5.316 Tsd. Euro sowie zu einer E<span class=\"_ _0\"></span>rh\u00f6hung der <span class=\"_ _0\"></span> Sonstigen Passiva <span class=\"_ _0\"></span>um 1.195 Tsd. Euro.<span class=\"_ _128\"> </span>Die ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H. wurd<span class=\"_ _0\"></span>e als Gemeinschaftliche T\u00e4tigkeit gem\u00e4\u00df IFRS 11 im Konzernab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>schluss ber\u00fccksichtigt. Neb<span class=\"_ _0\"></span>en der BKS Bank AG und der Bank f\u00fcr Tirol und Vorarlb<span class=\"_ _0\"></span>erg Aktiengesel<span class=\"_ _5\"></span>lschaft wurd<span class=\"_ _0\"></span>e die voestal-<span class=\"_ _128\"> </span>pine AG nach<span class=\"_ _0\"></span> der Equity-Methode in den Kon<span class=\"_ _0\"></span>zernabschluss einbezogen. Nicht konsolidiert wurd<span class=\"_ _0\"></span>en 18 Tochterunternehmen und 13 assoziierte Unternehmen, deren E<span class=\"_ _0\"></span>influss auf die Verm\u00f6gens<span class=\"_ _1\"></span>-<span class=\"ls4\">, </span> Finanz- und<span class=\"_ _0\"></span> Ertragslage des Konzerns in Summe von untergeordneter Bed<span class=\"_ _0\"></span>eutung i<span class=\"_ _0\"></span>st.<span class=\"_ _128\"> </span>Der Konzernabschlussstichtag ist d<span class=\"_ _0\"></span>er 31. Dezember. \u00dcber die in den Konzernab<span class=\"_ _0\"></span>schluss einbezogenen Leasingunterneh<span class=\"_ _0\"></span>men<span class=\"_ _128\"> </span>wurde ein Teilkonzernab<span class=\"_ _0\"></span>schluss mit Stichtag 30. September au<span class=\"_ _0\"></span>fgestellt, um eine zeitnahe Konzern<span class=\"_ _0\"></span>-Jahr<span class=\"_ _0\"></span>esabschlusserstellung<span class=\"_ _128\"> </span>zu erm\u00f6glichen. Wesentliche Gesch\u00e4ftsv<span class=\"_ _0\"></span>orf\u00e4lle bzw. \u00c4nderungen in d<span class=\"_ _0\"></span>er Zusammensetzung des Leasing<span class=\"_ _0\"></span>-Teilkonzerns <span class=\"_ _0\"></span>im 4. Quartal werden b<span class=\"_ _0\"></span>er\u00fccksichtigt.<span class=\"_ _128\"> </span>2) Zusammenfassung<span class=\"_ _0\"></span> wesentlicher Rechnungslegungsgrun<span class=\"_ _0\"></span>ds\u00e4tze<span class=\"_ _128\"> </span>2.1) Angewandte IAS<span class=\"_ _0\"></span> bzw. IFRS<span class=\"_ _128\"> </span>Der Konzernabschluss d<span class=\"_ _0\"></span>er Oberbank A<span class=\"_ _0\"></span>G f\u00fcr das Gesch\u00e4ftsjahr 2022 wurde in \u00dcbereinstimmung mit d<span class=\"_ _0\"></span>en vom International<span class=\"_ _128\"> </span>Accounting Standards Bo<span class=\"_ _0\"></span>ard (IASB) ver\u00f6ffentlichten und in Kr<span class=\"_ _0\"></span>aft befindlichen International Financial Report<span class=\"_ _0\"></span>ing Standards<span class=\"_ _128\"> </span>(IFRS), wie sie in der EU an<span class=\"_ _0\"></span>zuwenden sind, und dere<span class=\"_ _0\"></span>n Auslegung dur<span class=\"_ _0\"></span>ch das International Financial Reporting Interp<span class=\"_ _0\"></span>retations<span class=\"_ _128\"> </span>Committee (IFRIC) erstellt. Er erf\u00fc<span class=\"_ _0\"></span>llt auch die Voraussetzungen des \u00a7 59 a BWG un<span class=\"_ _0\"></span>d des \u00a7 245 a UGB \u00fcb<span class=\"_ _0\"></span>er befreiende <span class=\"_ _0\"></span> Konzernabschl\u00fcsse nach in<span class=\"_ _0\"></span>ternational anerkannten Rechnungslegungsgru<span class=\"_ _0\"></span>nds\u00e4tzen. Vo<span class=\"_ _0\"></span>n der Unternehmensfortf\u00fchrung w<span class=\"_ _0\"></span>ird<span class=\"_ _128\"> </span>ausgegangen<span class=\"ls19\">.<span class=\"_ _128\"> </span></span><span class=\"ls19\"> </span> Folgende Tabelle zeigt neu ver\u00f6ffentlichte b<span class=\"_ _0\"></span>zw. ge\u00e4nderte Standards und Interp<span class=\"_ _0\"></span>retationen zum Bilanzstichtag, die in der <span class=\"_ _1\"></span> Berichtsperiode erstmalig zur<span class=\"_ _0\"></span> Anwendung kamen. <span class=\"_ _7\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">42<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Standard/Interpretation <span class=\"_ _13\"> </span>Bezeichnung <span class=\"_ _14\"> </span>Anzuwenden f\u00fcr <span class=\"_ _15\"> </span>Von EU bereits </div><div class=\"t m0 x3 h6 y60 ff5 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _16\"> </span> <span class=\"_ _17\"> </span>Gesch\u00e4ftsjahre ab <span class=\"_ _d\"> </span>\u00fcb<span class=\"_ _5\"></span>ernommen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">J\u00e4hrliche Verbesserungen an<span class=\"_ _0\"></span> <span class=\"_ _18\"> </span>Zyklus 2018 - <span class=\"ls2\">2020</span> <span class=\"_ _19\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> </div><div class=\"t m0 x3 h5 y3f1 ff4 fs2 fc2 sc0 ls0 ws0\">den IFRS <span class=\"_ _1b\"> </span> <span class=\"_ _1c\"> </span> <span class=\"_ _1d\"> </span> </div><div class=\"t m0 x3 h5 y3cb ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IFRS 3 <span class=\"_ _1e\"> </span>Verweis auf das Rahmenkon<span class=\"_ _0\"></span>zept <span class=\"_ _1f\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _12\"></span> </div><div class=\"t m0 x3 h5 y3f2 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _16\"> </span> </div><div class=\"t m0 x3 h5 y3f3 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IFRS 16 <span class=\"_ _20\"> </span>Ertr\u00e4ge vor Erreichen des betriebsbereiten Zust<span class=\"_ _0\"></span>ands <span class=\"_ _21\"> </span>1.4.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _12\"></span> </div><div class=\"t m0 x3 h5 y3f4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3f5 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IAS 37 <span class=\"_ _22\"> </span>Umfang der Erf\u00fcllungsko<span class=\"_ _0\"></span>sten bei belastenden Vertr\u00e4gen<span class=\"_ _0\"></span> <span class=\"_ _3\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> </div><div class=\"t m0 x3 h5 y3f6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3f7 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3f8 ff4 fs2 fc2 sc0 ls0 ws0\">Die n\u00e4chste Tab<span class=\"_ _0\"></span>elle zeigt ver\u00f6ffentlichte bzw. ge\u00e4nderte Standards <span class=\"_ _0\"></span>und Interpretationen zum Bilanzsti<span class=\"_ _0\"></span>cht<span class=\"_ _0\"></span>ag, die vollst\u00e4ndig<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3f9 ff4 fs2 fc2 sc0 ls0 ws0\">durch das IASB bzw. teilweise dur<span class=\"_ _0\"></span>ch das EU<span class=\"_ _0\"></span>-Endorsementverfahren in Kraft getreten, aber noch n<span class=\"_ _0\"></span>icht verpflichtend <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y3fa ff4 fs2 fc2 sc0 ls0 ws0\">anzuwenden sind. Diese wur<span class=\"_ _0\"></span>den im vorliegenden Konzernabschluss n<span class=\"_ _0\"></span>icht angewandt. Eine fr\u00fchzeitige Anwendung ist<span class=\"_ _0\"></span> derzeit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3fb ff4 fs2 fc2 sc0 ls0 ws0\">nicht geplant.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3fc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y3fd ff5 fs2 fc2 sc0 ls0 ws0\">Standard/Interpretation <span class=\"_ _13\"> </span>Bezeichnung <span class=\"_ _14\"> </span>Anzuwenden f\u00fcr<span class=\"ls1\">    </span>Von EU <span class=\"_ _5\"></span>bereits </div><div class=\"t m0 x3 h6 y3fe ff5 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _16\"> </span> <span class=\"_ _17\"> </span>Gesch\u00e4ftsjahre ab    <span class=\"_ _0\"></span>\u00fcbernommen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3ff ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IAS 1 <span class=\"_ _23\"> </span>Klassifizierung von Schulden a<span class=\"_ _0\"></span>ls kurz- oder langfristig <span class=\"_ _c\"> </span>1.1.2023 <span class=\"_ _24\"> </span>Nein <span class=\"_ _25\"> </span> </div><div class=\"t m0 x3 h5 y400 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IAS 1 <span class=\"_ _23\"> </span>Angaben zu Rechnungslegun<span class=\"_ _0\"></span>gsmethoden  <span class=\"_ _26\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _13\"> </span> </div><div class=\"t m0 x3 h5 y401 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IAS 8 <span class=\"_ _23\"> </span>Definition von rechnun<span class=\"_ _0\"></span>gslegungsbezogenen <span class=\"_ _28\"> </span> 1.1.2023 <span class=\"_ _29\"> </span><span class=\"ls1a\">Ja</span> </div><div class=\"t m0 x3 h5 y402 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _16\"> </span>Sch\u00e4tzungen <span class=\"_ _2a\"> </span> </div><div class=\"t m0 x3 h5 y403 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen zu IAS 12 <span class=\"_ _22\"> </span>Ansatz f\u00fcr latente Steuern b<span class=\"_ _0\"></span>ei erstmaligem Ansatz <span class=\"_ _10\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> </div><div class=\"t m0 x3 h5 y46 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _16\"> </span>eines Verm\u00f6genswertes oder einer S<span class=\"_ _0\"></span>chuld<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y404 ff4 fs2 fc2 sc0 ls0 ws0\">IFRS 17 <span class=\"_ _2b\"> </span>Versicherungsvertr\u00e4ge <span class=\"_ _2c\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> </div><div class=\"t m0 x3 h5 y405 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen IFRS 16 <span class=\"_ _2d\"> </span>Leasingverbindlichkeit bei Sale an<span class=\"_ _0\"></span>d Leaseback <span class=\"_ _2e\"> </span>1.1.2024 <span class=\"_ _24\"> </span>Nein<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y406 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y19c ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y407 ff5 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen der Rechnungslegungsgrunds\u00e4tze 2022<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h23 y408 ff5 fs8 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y409 ff4 fs2 fc2 sc0 ls0 ws0\">Die <span class=\"ff5\">j\u00e4hrlichen Verbesserungen <span class=\"_ _0\"></span></span>an den IFRS bet<span class=\"_ _0\"></span>reffen \u00c4nderungen an IFRS 1, IFRS 9, IFRS 16 und<span class=\"_ _0\"></span> IAS 41. Es gibt keine we-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y40a ff4 fs2 fc2 sc0 ls0 ws0\">sentlichen Auswir<span class=\"_ _0\"></span>kungen aus diesen \u00c4nderungen, die per 1. J\u00e4nner 2022 in Kraft t<span class=\"_ _0\"></span>raten, auf den Konzernabschlu<span class=\"_ _0\"></span>ss der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y40b ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG. <span class=\"fs8\"> </span></div><div class=\"t m0 x3 h6 y40c ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y40d ff5 fs2 fc2 sc0 ls0 ws0\">IFRS 3<span class=\"ff4\"> <span class=\"ffb\">\u201eUnternehmenszusammenschl\u00fcsse\u201c<span class=\"_ _0\"></span></span> wird d<span class=\"_ _0\"></span>ahingehend aktualisiert, dass sich die Verweise nunmehr auf d<span class=\"_ _0\"></span>as aktuelle<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y40e ff4 fs2 fc2 sc0 ls0 ws0\">Rahmenkonzept f\u00fcr d<span class=\"_ _0\"></span>ie Finanzberichterstattung 2018 und<span class=\"_ _0\"></span> nicht mehr auf das Rahmenkonzept 1989 beziehen. Die \u00c4nderun<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y40f ff4 fs2 fc2 sc0 ls0 ws0\">gen an IFRS 3 traten<span class=\"_ _0\"></span> per 1. J\u00e4nner 2022 in Kraft. Es ergeben s<span class=\"_ _1\"></span>ich keine wesentlichen Auswirkungen auf den Konzernabschluss<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y410 ff4 fs2 fc2 sc0 ls0 ws0\">der Oberbank AG.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h23 y411 ff5 fs8 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y412 ff4 fs2 fc2 sc0 ls0 ws0\">Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 16 \u201eSachanlagen\u201c</span> verbieten n<span class=\"_ _0\"></span>unmehr explizit den Abzug m\u00f6glicher Nett<span class=\"_ _0\"></span>oertr\u00e4ge von den Anschaf-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y413 ff4 fs2 fc2 sc0 ls0 ws0\">fungskosten einer Sachan<span class=\"_ _0\"></span>lage. Werden G\u00fcter hergestellt und ver\u00e4<span class=\"_ _0\"></span>u\u00dfert, w\u00e4hrend eine Sachanlage an d<span class=\"_ _0\"></span>en beabsichtigten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y414 ff4 fs2 fc2 sc0 ls0 ws0\">Standort bzw. in den beab<span class=\"_ _0\"></span>sichtigten betriebsbereiten Zustand gebracht<span class=\"_ _0\"></span> wird, m\u00fcssen die aus der Ver\u00e4u\u00dferun<span class=\"_ _0\"></span>g dieser G\u00fcter<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y415 ff4 fs2 fc2 sc0 ls0 ws0\">resultierenden Ertr\u00e4ge sowie deren Herstellungsko<span class=\"_ _0\"></span>sten erfolgswirksam gem\u00e4\u00df den jewe<span class=\"_ _0\"></span>ils g\u00fclt<span class=\"_ _0\"></span>igen Standards erfasst wer-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y416 ff4 fs2 fc2 sc0 ls0 ws0\">den. Die \u00c4nderungen sind ers<span class=\"_ _0\"></span>tmals in Gesch\u00e4ftsjahren anzuwenden<span class=\"_ _0\"></span>, die am oder nach dem 1. J\u00e4nner 2022 beginn<span class=\"_ _0\"></span>en. Da im<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y417 ff4 fs2 fc2 sc0 ls0 ws0\">Konzern keine Sachanlagen vo<span class=\"_ _0\"></span>rhanden sind, bei denen im Rahmen von<span class=\"_ _0\"></span> Testl\u00e4ufen G\u00fcter hergestellt werden, gi<span class=\"_ _1\"></span>bt es keine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y418 ff4 fs2 fc2 sc0 ls0 ws0\">Auswirkungen aus diesen \u00c4nderu<span class=\"_ _0\"></span>ngen auf den Konzernabschluss der Ob<span class=\"_ _0\"></span>erbank AG.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h23 y267 ff5 fs8 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y419 ff4 fs2 fc2 sc0 ls0 ws0\">Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 37 \u201eR\u00fcckstellungen und Eventualverbindlichkeiten\u201c</span> <span class=\"_ _0\"></span>konkretisieren den<span class=\"_ _0\"></span> Umfang der Erf\u00fcllungskos-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y41a ff4 fs2 fc2 sc0 ls0 ws0\">ten bei belastend<span class=\"_ _0\"></span>en Vertr\u00e4gen. Als Erf\u00fcllungskosten<span class=\"_ _0\"></span> sind alle direkt zurechenbaren Kost<span class=\"_ _0\"></span>en zu ber\u00fccksichtigen.  <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">43<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Darunter fallen die inkr<span class=\"_ _0\"></span>ementellen Kosten der Erf\u00fcllung des Vertrags (z. B. direkt zur<span class=\"_ _0\"></span>echenbare Arbeits<span class=\"_ _0\"></span>- und M<span class=\"_ _0\"></span>aterialkosten)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y41b ff4 fs2 fc2 sc0 ls0 ws0\">sowie eine Verrechnung anderer,<span class=\"_ _0\"></span> der Erf\u00fcllung des Vertrags direkt zure<span class=\"_ _0\"></span>chenb<span class=\"_ _0\"></span>are Kosten (z. B. anteilige Abschreibu<span class=\"_ _0\"></span>ng von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y2f4 ff4 fs2 fc2 sc0 ls0 ws0\">Sachanalgen, die f\u00fcr d<span class=\"_ _0\"></span>ie Erf\u00fcllung mehrerer Vertr\u00e4ge genutzt werden). Die \u00c4nderungen an I<span class=\"_ _0\"></span>AS 37 sind auf alle Vertr\u00e4ge an-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y41c ff4 fs2 fc2 sc0 ls0 ws0\">zuwenden, bei denen zum Zeitpun<span class=\"_ _0\"></span>kt des Inkrafttretens der \u00c4nderung p<span class=\"_ _0\"></span>er 1. J\u00e4nner 2022 n<span class=\"_ _0\"></span>och nicht<span class=\"_ _0\"></span> alle Verpflichtungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y41d ff4 fs2 fc2 sc0 ls0 ws0\">erf\u00fcllt wurden. Die angef\u00fchrt<span class=\"_ _0\"></span>en \u00c4nderung<span class=\"_ _0\"></span><span class=\"lsc\">en</span> hat keine Ausw<span class=\"_ _0\"></span>irkung auf den Konzernabschluss der Oberbank AG.<span class=\"_ _0\"></span><span class=\"fc3\"> </span></div><div class=\"t m0 x3 h5 y41e ff4 fs2 fc3 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y41f ff4 fs2 fc2 sc0 ls0 ws0\">Die im August 2020 ver\u00f6ffent<span class=\"_ _0\"></span>lichten \u00c4nderungen zu <span class=\"_ _0\"></span><span class=\"ff5\">IFRS 9, IAS 39, IFRS 7, IFRS 4 und IFRS 16</span> (Ph<span class=\"_ _0\"></span>ase 2 der IBOR-Reform)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y420 ff4 fs2 fc2 sc0 ls0 ws0\">sollen die Auswirkungen ab<span class=\"_ _0\"></span>mildern, die sich im Zeitpunkt der Abl\u00f6sung eines best<span class=\"_ _0\"></span>ehenden Referenzzinssatzes durch einen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y271 ff4 fs2 fc2 sc0 ls0 ws0\">alternativen Zinssat<span class=\"_ _0\"></span>z auf die Finanzberichterstattung ergeben. Die f\u00fcr d<span class=\"_ _0\"></span>ie Oberbank AG daraus resultierenden unw<span class=\"_ _0\"></span>esentli-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y421 ff4 fs2 fc2 sc0 ls0 ws0\">chen Auswirkungen<span class=\"_ _0\"></span> werden folgend dargestellt:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y422 ff4 fs2 fc2 sc0 ls0 ws0\">Durch die Abl\u00f6se der Interb<span class=\"_ _0\"></span>ank Offered Rates (IBOR) durch neue risikofreie Zinss\u00e4tze wur<span class=\"_ _0\"></span>den bereits bis zum 31.12. 2021<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y2fc ff9 fs2 fc2 sc0 ls0 ws0\">s\u00e4mtliche Marktbewertungen von D<span class=\"_ _0\"></span>erivaten von EONIA auf \u20acSTR umgestellt, sod<span class=\"_ _0\"></span>ass es im GJ 2022 aus diesem Tit<span class=\"_ _0\"></span><span class=\"ff4\">el keinen<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y423 ff4 fs2 fc2 sc0 ls0 ws0\">Umstellungseffekt mehr gab. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y3bf ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y424 ff4 fs2 fc2 sc0 ls0 ws0\">Das Ausma\u00df der von d<span class=\"_ _0\"></span>er LIBOR-Umstellung im GJ 2022 au<span class=\"_ _0\"></span>f neue Referenzwerte betroffenen<span class=\"_ _0\"></span> umgestellten Volumina belief<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y425 ff4 fs2 fc2 sc0 ls0 ws0\">sich in der Oberbank AG auf folgende Betr<span class=\"_ _0\"></span>\u00e4ge: </div><div class=\"t m0 x3 h5 y3d ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs6\"><table class=\"s w2ad h162\" id=\"_29276587-ad78-4acd-9044-bfbbe776eef1\"><tr><td class=\"c x1bc y1122 w57 h5a\"><div class=\"t m0 x90 h5b y34a ffb fs4 fc2 sc0 ls0 ws0\">in Tsd. \u20ac <span class=\"ff5\"> </span></div></td><td class=\"c x1bd y1122 w58 h5a\"><div class=\"t m0 x87 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">CHF-LIBOR </div></td><td class=\"c x1be y1122 w59 h5a\"><div class=\"t m0 x70 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">JPY-LIBOR </div></td><td class=\"c x1bf y1122 w58 h5a\"><div class=\"t m0 x87 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">GBP-LIBOR </div></td></tr><tr><td class=\"c x1bc y1123 w57 h5a\"><div class=\"t m0 x90 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">Forderungen an Kun<span class=\"_ _5\"></span>den </div></td><td class=\"c x1bd y1123 w58 h5a\"><div class=\"t m0 x8c h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">22.252 </div></td><td class=\"c x1be y1123 w59 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x1bf y1123 w58 h5a\"><div class=\"t m0 x4a h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y1124 w57 h5a\"><div class=\"t m0 x90 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">Verbindlichkeit<span class=\"_ _5\"></span>en gegen\u00fcber Ku<span class=\"_ _5\"></span>nden </div></td><td class=\"c x1bd y1124 w58 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">669<span class=\"ls0\"> </span></div></td><td class=\"c x1be y1124 w59 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">106<span class=\"ls0\"> </span></div></td><td class=\"c x1bf y1124 w58 h5a\"><div class=\"t m0 x4a h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1 </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y42b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y42c ff4 fs2 fc2 sc0 ls0 ws0\">Per Juni 2023 erfolgen noch d<span class=\"_ _0\"></span>ie Umstellungen der USD<span class=\"_ _0\"></span>-Referenzwerte, wobei das Volumen der USD<span class=\"_ _0\"></span>-Forderun<span class=\"_ _0\"></span>gen zum 31.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y42d ff4 fs2 fc2 sc0 ls0 ws0\">Dezember 2022 umgerechnet 8.706 Tsd<span class=\"_ _0\"></span>. Euro und das <span class=\"_ _0\"></span>Volumen der USD<span class=\"_ _0\"></span>-Verbindlichkeiten umgerechnet 2.037 Tsd. E<span class=\"_ _0\"></span>uro<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y42e ff4 fs2 fc2 sc0 ls0 ws0\">betr\u00e4gt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y42f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y2ee ff5 fs2 fc2 sc0 ls0 ws0\">K\u00fcnftige \u00c4nderungen von Rechnungslegungsgrunds\u00e4tzen<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y430 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y431 ff4 fs2 fc2 sc0 ls0 ws0\">Die \u00c4nderungen zu <span class=\"_ _0\"></span><span class=\"ffb\">IAS 1 \u201eDarstellung des Abschlusses\u201c<span class=\"_ _0\"></span></span> betreffen den Ausweis von Schuld<span class=\"_ _0\"></span>en als kurz- oder langfristig in der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y432 ff4 fs2 fc2 sc0 ls0 ws0\">Bilanz und nicht d<span class=\"_ _0\"></span>ie H\u00f6he oder den Zeitpunkt der Erfassung von Verm\u00f6genswerten, Verb<span class=\"_ _0\"></span>indlichkeiten, Ertr\u00e4gen oder Auf-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h6 y433 ff4 fs2 fc2 sc0 ls0 ws0\">wendungen oder die Infor<span class=\"_ _0\"></span>mationen, die \u00fcber diese Posten anzugeben sind<span class=\"_ _1\"></span>. Dar\u00fcber hinaus wird mit den \u00c4nderungen zu<span class=\"_ _0\"></span><span class=\"ff5\"> IAS<span class=\"_ _128\"> </span></span><span class=\"ff5\"> </span></div><div class=\"t m0 x3 h6 y434 ff5 fs2 fc2 sc0 ls2 ws0\">1 <span class=\"ff4 ls6\">und</span><span class=\"ls0\"> IAS 8<span class=\"ff4\"> <span class=\"ff9\">(\u201eBilanzierungs</span>- <span class=\"ff9\">und Bewertungsmeth<span class=\"_ _0\"></span>oden, \u00c4nderungen von Sch\u00e4tzungen und<span class=\"_ _0\"></span> Fehlern\u201c) konkretisiert, in wel-<span class=\"_ _128\"> </span></span></span></span></div><div class=\"t m0 x3 h5 y435 ff4 fs2 fc2 sc0 ls0 ws0\">chem Umfang Bilanzierungs- u<span class=\"_ _0\"></span>nd Bewertungsmeth<span class=\"_ _0\"></span>oden im IFRS-Anhan<span class=\"_ _0\"></span>g erl\u00e4utert werden m\u00fcssen. Es <span class=\"_ _0\"></span>wird ein einheitlicher<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y436 ff4 fs2 fc2 sc0 ls0 ws0\">und genauer umrissener Wesent<span class=\"_ _0\"></span>lichkeitsbegriff von Abschlussinformationen geschaffen, d<span class=\"_ _0\"></span>er eine Harmonisierung vom Rah-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y437 ff4 fs2 fc2 sc0 ls0 ws0\">menkonzept f\u00fcr die Finanzb<span class=\"_ _0\"></span>erichterstattung, IAS 1 und IAS 8 sowie dem IFRS<span class=\"_ _0\"></span>-<span class=\"ff9\">Leitliniend<span class=\"_ _0\"></span>okument \u201eF\u00e4llen von<span class=\"_ _0\"></span> Wesentlich-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y217 ff4 fs2 fc2 sc0 ls0 ws0\">k<span class=\"ff9\">eitsentscheidungen\u201c h<span class=\"_ _0\"></span>erbeif\u00fchren soll. Die \u00c4nderungen tret<span class=\"_ _0\"></span>en per 1. J\u00e4nner 2023 in Kraft. Es ergeben sich daraus <span class=\"_ _0\"></span>keine<span class=\"_ _128\"> </span></span><span class=\"ff9\"> </span></div><div class=\"t m0 x3 h5 y438 ff4 fs2 fc2 sc0 ls0 ws0\">wesentlichen Ausw<span class=\"_ _0\"></span>irkungen auf den Konzernabschluss der Oberbank A<span class=\"_ _0\"></span>G.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y439 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y43a ff4 fs2 fc2 sc0 ls0 ws0\">Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 12 \u201eLatente Steuern\u201c</span> schr\u00e4nken<span class=\"_ _0\"></span> den Anwendungsb<span class=\"_ _0\"></span>ereich der Ausnahmeregelung zum erstmaligen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y1f9 ff9 fs2 fc2 sc0 ls0 ws0\">Ansatz von latenten Steu<span class=\"_ _0\"></span>ern (\u201einitial recognition exemption<span class=\"_ _0\"></span>\u201c) ein. Die Ausnahmeregelung soll keine Anw<span class=\"_ _0\"></span>endung auf Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y43b ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ftsvorf\u00e4lle finden,<span class=\"_ _0\"></span> die gleichzeitig zu steuerpflichtigen und abzugsf\u00e4higen tempo<span class=\"_ _0\"></span>r\u00e4ren Differen<span class=\"_ _0\"></span>zen in gleicher H\u00f6he f\u00fch-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y43c ff4 fs2 fc2 sc0 ls0 ws0\">ren. Es werden keine wesent<span class=\"_ _0\"></span>lichen Auswirkungen auf k\u00fcnftige Konzern<span class=\"_ _0\"></span>abschl\u00fcsse der Oberbank AG erwartet<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y43d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y57 ffb fs2 fc2 sc0 ls0 ws0\">IFRS 17 \u201eVersicherungsvertr\u00e4ge\u201c<span class=\"_ _0\"></span><span class=\"ff4\"> regelt die Grunds\u00e4tze in Bezug au<span class=\"_ _0\"></span>f die Identifikation, den Ansatz, d<span class=\"_ _0\"></span>ie Bewertung, den Aus-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y263 ff4 fs2 fc2 sc0 ls0 ws0\">weis <span class=\"ff9\">sowie die Anh<span class=\"_ _0\"></span>angangaben f\u00fcr Versicherungsvertr\u00e4ge und ersetzt ab<span class=\"_ _0\"></span> 1. J\u00e4nner 2023 den IFRS 4 \u201eVersicherungsvertr<span class=\"_ _0\"></span>\u00e4ge\u201c.<span class=\"_ _128\"> </span></span><span class=\"ff9\"> </span></div><div class=\"t m0 x3 h5 y43e ff4 fs2 fc2 sc0 ls0 ws0\">Diese \u00c4nderung f\u00fchrt f\u00fc<span class=\"_ _0\"></span>r die Oberbank AG zu keinen wesentlichen Ausw<span class=\"_ _0\"></span>irkungen. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">44<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ffb fs2 fc2 sc0 ls0 ws0\">IFRS 16 \u201eLeasingverbindlichkeiten bei Sale and Leas<span class=\"_ _0\"></span>eback\u201c<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div><div class=\"t m0 x3 h20 y43f ff4 fs8 fc2 sc0 ls1c ws0\">Di<span class=\"ls0\">e \u00c4nderung beinhaltet Vorgaben f\u00fcr die Folgebewe<span class=\"_ _5\"></span>rtung von Leasingverh\u00e4ltnissen im Rahmen eines Sale<span class=\"_ _0\"></span>-and-Leaseback (SLB) f\u00fcr<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div><div class=\"t m0 x3 h20 y440 ff4 fs8 fc2 sc0 ls0 ws0\">Verk\u00e4ufer-Leasingnehmer. Demnach sind bei der Folgebewertung von Leasingve<span class=\"_ _5\"></span>rbindlichkeiten im Rahmen eines SLB die zu Lauf-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h20 y441 ff4 fs8 fc2 sc0 ls0 ws0\">zeitbeginn erwarteten Zahlungen so zu bestimmen, dass<span class=\"_ _5\"></span> eine Gewinnrealisierung in Bezug auf das zur\u00fcckbehaltene Nutzungsrecht<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y442 ff4 fs2 fc2 sc0 ls0 ws0\">ausgeschlossen ist. In j<span class=\"_ _0\"></span>eder Periode wird die Leasingverbindlichkeit, um die jeweils zugrun<span class=\"_ _0\"></span>de gelegten erwarteten Zahlungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y443 ff4 fs2 fc2 sc0 ls0 ws0\">reduziert und die Differenz zu d<span class=\"_ _0\"></span>en tats\u00e4chlichen Za<span class=\"_ _0\"></span>hlungen erfolgswirksam erfasst.  Die \u00c4nderung sind<span class=\"_ _0\"></span> erstmalig verpflich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y444 ff4 fs2 fc2 sc0 ls0 ws0\">tend f\u00fcr Gesch\u00e4ftsjahre an<span class=\"_ _0\"></span>zuwenden, die am oder nach d<span class=\"_ _0\"></span>em 1. Januar 2024 beginnen. Es ergeben sich dar<span class=\"_ _0\"></span>aus keine wesent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y445 ff4 fs2 fc2 sc0 ls0 ws0\">lichen Auswirkungen au<span class=\"_ _0\"></span>f den Konzerna<span class=\"_ _0\"></span>bschluss der Oberbank AG, da in der Regel keine Sale<span class=\"_ _0\"></span>-and<span class=\"_ _0\"></span>-Leaseback-Vereinbarun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y446 ff4 fs2 fc2 sc0 ls0 ws0\">mit variablen Leasingzahlun<span class=\"_ _0\"></span>gen abgeschlossen werden.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y17e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y447 ff8 fs2 fc2 sc0 ls0 ws0\">2.2) Auswirkungen der Covid<span class=\"_ _0\"></span>-<span class=\"ls2\">19</span>-Pandemie auf d<span class=\"_ _0\"></span>en Konzern<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y448 ff4 fs2 fc2 sc0 ls0 ws0\">Die Covid-<span class=\"ls2\">19</span>-Pandemie hat<span class=\"_ _0\"></span> in den Jahren 2020 und 2021 eine gro<span class=\"_ _0\"></span>\u00dfe Un<span class=\"_ _0\"></span>sicherheit in der Weltwirtschaft und auf d<span class=\"_ _0\"></span>en globalen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y449 ff4 fs2 fc2 sc0 ls0 ws0\">M\u00e4rkten verursacht. Die von d<span class=\"_ _0\"></span>en Staaten erlassenen Vorschriften mit Ausgangsbeschr<span class=\"_ _0\"></span>\u00e4nkungen, Restaurant<span class=\"_ _1\"></span>- und Laden-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y44a ff4 fs2 fc2 sc0 ls0 ws0\">schlie\u00dfungen sowie Produkt<span class=\"_ _0\"></span>ionsstillst\u00e4nden f\u00fchrten zu einem wirtschaft<span class=\"_ _0\"></span>lichen Abschwung<span class=\"_ _0\"></span> in \u00d6sterreich und Europ<span class=\"_ _0\"></span>a. In den<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y44b ff4 fs2 fc2 sc0 ls0 ws0\">Staaten, in denen d<span class=\"_ _0\"></span>ie Oberbank AG t\u00e4tig ist, wurden verschiedene Ma\u00dfn<span class=\"_ _0\"></span>ahmen eingeleitet und Hilfspakete (z.B. Staatsgaran-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y44c ff4 fs2 fc2 sc0 ls0 ws0\">tien, \u00dcberbr\u00fcckungsfinan<span class=\"_ _0\"></span>zierungen, H\u00e4rtefonds f\u00fcr Selbst\u00e4ndige) geschn\u00fcrt und Stundun<span class=\"_ _0\"></span>gsprogramme einger<span class=\"_ _0\"></span>ichtet, u<span class=\"_ _0\"></span>m die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y44d ff4 fs2 fc2 sc0 ls0 ws0\">Wirtschaft und Privathau<span class=\"_ _0\"></span>shalte in dieser existenzbedrohenden Krise bestm\u00f6glich zu unt<span class=\"_ _0\"></span>erst\u00fctzen. Aus diesem Grund konnt<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y44e ff4 fs2 fc2 sc0 ls0 ws0\">das Risiko aus m\u00f6glichen Kred<span class=\"_ _0\"></span>itausf\u00e4llen bei Einzelkunden anhand<span class=\"_ _0\"></span> der in Einsatz befindlichen Risikomodelle nicht ausr<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y44f ff4 fs2 fc2 sc0 ls0 ws0\">chend realistisch eingesch\u00e4tzt werden un<span class=\"_ _0\"></span>d es wurden mittels Management Overlay M<span class=\"_ _0\"></span>a\u00dfnahmen pauschale Risikovorsorgen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y450 ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr stark betroffene Branchen<span class=\"_ _0\"></span> gebildet.  </div><div class=\"t m0 x3 h5 y451 ff4 fs2 fc2 sc0 ls0 ws0\">Zwischenzeitlich sind die (staat<span class=\"_ _0\"></span>lichen) F\u00f6rderma\u00dfnahmen weitestgehend ausgelaufen,<span class=\"_ _0\"></span> ohne dass sich wes<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>liche negative<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y452 ff4 fs2 fc2 sc0 ls0 ws0\">Auswirkungen auf die Portfolioqualit\u00e4t der Ob<span class=\"_ _0\"></span>erbank AG ergeben haben. Auf d<span class=\"_ _0\"></span>er Ebene von einzelnen Kunden haben sich<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y453 ff4 fs2 fc2 sc0 ls0 ws0\">Risiken in Form von R<span class=\"_ _0\"></span>atingverschlechterungen bzw. Ausf\u00e4llen, die zur Bildung von R<span class=\"_ _0\"></span>isikovorsorgen in Stufe 3 f\u00fchrten, mater<span class=\"_ _1\"></span><span class=\"ls1d\">i-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y196 ff4 fs2 fc2 sc0 ls0 ws0\">alisiert.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y454 ff4 fs2 fc2 sc0 ls0 ws0\">Nach aktueller Einsch\u00e4t<span class=\"_ _0\"></span>zung hat die Covid<span class=\"_ _0\"></span>-19 Pandemie keinen wesentlichen E<span class=\"_ _0\"></span>influss mehr auf die Kreditrisikosituation f\u00fcr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y455 ff4 fs2 fc2 sc0 ls0 ws0\">den Konzernabschluss 2022 u<span class=\"_ _0\"></span>nd alle damit in Zusammenh<span class=\"_ _0\"></span>ang stehenden Management Overlay Ma\u00dfn<span class=\"_ _0\"></span>ahmen wurden been-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y456 ff4 fs2 fc2 sc0 ls0 ws0\">det.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y457 ff4 fs2 fc2 sc0 ls0 ws0\">Im Detail wurden fo<span class=\"_ _0\"></span>lgende Ma\u00dfnahmen aufgel\u00f6st:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x32 ha y458 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Aus der Aufl\u00f6sung des kollektiven Staging f\u00fcr<span class=\"_ _0\"></span> Forderungen an Kreditnehmer in besond<span class=\"_ _0\"></span>ers stark von Covid<span class=\"_ _0\"></span>- Lock-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y459 ff4 fs2 fc2 sc0 ls0 ws0\">downs betroffenen Wirtschaft<span class=\"_ _0\"></span>sbranchen (Beherbergung, G<span class=\"_ _0\"></span>astronomie, Reisebranche, Luftfahrt) result<span class=\"_ _0\"></span>iert ein Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y19d ff4 fs2 fc2 sc0 ls0 ws0\">trag <span class=\"ff9\">von \u20ac 4,3 Mio.<span class=\"_ _0\"></span> </span> </div><div class=\"t m0 x32 ha y45a ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">F\u00fcr Forderungen an<span class=\"_ _0\"></span> Kreditnehmer, f\u00fcr die im Zuge einer im 1. Quartal 2021 dur<span class=\"_ _0\"></span>chgef\u00fchrten Einzelanalyse eine<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x67 h5 y45b ff4 fs2 fc2 sc0 ls0 ws0\">gro\u00dfe Unsicherheit bei der Bon<span class=\"_ _0\"></span>it\u00e4tseinstufung wegen Covid bestand, wurd<span class=\"_ _0\"></span>e ebenfalls ein kollektives Staging vorge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y45c ff4 fs2 fc2 sc0 ls0 ws0\">nommen und eine Risikovo<span class=\"_ _0\"></span>rsorge (ECL) in H\u00f6he des erwarteten Verlusts bezogen au<span class=\"_ _0\"></span>f die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y45d ff4 fs2 fc2 sc0 ls0 ws0\">Expected-Loss) gebildet. Im laufend<span class=\"_ _0\"></span>en Monitoring 2022 konnte die Un<span class=\"_ _0\"></span>sicherheit abgekl\u00e4rt werden. Entw<span class=\"_ _0\"></span>eder die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y45e ff4 fs2 fc2 sc0 ls0 ws0\">Auswirkungen waren vernachl\u00e4ssigbar<span class=\"_ _0\"></span> oder das h\u00f6here Ausfal<span class=\"_ _0\"></span>lsrisiko wurd<span class=\"_ _0\"></span>e in Form eines schlechteren Ratings<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y45f ff4 fs2 fc2 sc0 ls0 ws0\">beziehungsweise sogar Ausfalls beim Einzelkund<span class=\"_ _0\"></span>en konkret sichtbar. Der implizite Effekt aus der Aufl\u00f6su<span class=\"_ _0\"></span>ng des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y460 ff9 fs2 fc2 sc0 ls0 ws0\">Stagingeffektes durch das b<span class=\"_ _0\"></span>eschriebene Monitoring der Kunden betrug im Jahr 2022 \u20ac 3,<span class=\"_ _0\"></span>8 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x32 ha y461 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Aus der Aufl\u00f6sung des kollektiven Staging f\u00fcr<span class=\"_ _0\"></span> Forderungen an Kreditnehmer im Bereich der Immobilienprojekt<span class=\"_ _0\"></span>fi-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y462 ff9 fs2 fc2 sc0 ls0 ws0\">nanzierungen mit gewerb<span class=\"_ _0\"></span>lichen Hypothekarsicherheiten resultiert ein Ertr<span class=\"_ _0\"></span>ag von ca. \u20ac 9,6 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x32 ha y463 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Die R\u00fcckkehr zum urspr\u00fcnglich entw<span class=\"_ _0\"></span>ickelten Stan<span class=\"_ _0\"></span>dard-ECL-Modell bei der Verwendun<span class=\"_ _0\"></span>g von zukunftsorientierten<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x67 h5 y464 ff4 fs2 fc2 sc0 ls0 ws0\">makro\u00f6konomischen Dat<span class=\"_ _0\"></span>en (forward looking information <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> <span class=\"ff9\">FLI) f\u00fchrte zu einer E<span class=\"_ _0\"></span>CL Aufl\u00f6sung von \u20ac 10 Mio. Beim<span class=\"_ _128\"> </span></span><span class=\"ff9\"> </span></div><div class=\"t m0 x67 h5 y465 ff4 fs2 fc2 sc0 ls0 ws0\">Standard-ECL-Mo<span class=\"_ _0\"></span>dell kommt es beim ECL-Segment Corpo<span class=\"_ _0\"></span>rates im ersten Jahr nicht zur A<span class=\"_ _0\"></span>nwendun<span class=\"_ _0\"></span>g von FLI-Fakto-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y466 ff4 fs2 fc2 sc0 ls0 ws0\">ren, da die verwendet<span class=\"_ _0\"></span>en volkswirtschaftlichen Faktoren bereits im Bilanzrating angewan<span class=\"_ _0\"></span>dt werden und daher be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y467 ff4 fs2 fc2 sc0 ls0 ws0\">reits Bestandteil der progno<span class=\"_ _0\"></span>stizierten Ausfallwahrscheinlichkeit eines Kunden s<span class=\"_ _0\"></span>ind. Damit wird eine doppelte Be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y468 ff4 fs2 fc2 sc0 ls0 ws0\">r\u00fccksichtigung <span class=\"ff9\">d<span class=\"_ _0\"></span>er FLI\u2019s vermieden. </span>Im Zuge von Cov<span class=\"_ _0\"></span>id wurde jedoch die Anwendung des Bilanzrat<span class=\"_ _0\"></span>ings wegen der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y469 ff4 fs2 fc2 sc0 ls0 ws0\">vorhandenen Unsicherh<span class=\"_ _0\"></span>eit an die Ausnahmesituation angepasst, sonst h\u00e4tte sich wegen des p<span class=\"_ _0\"></span>rognostizierten BIP<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y46a ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckgangs das Ratin<span class=\"_ _0\"></span>g aller Kunden im Firmenkunden<span class=\"_ _0\"></span>-Portfolio pauschal verschlechtert<span class=\"_ _0\"></span>. Dies h\u00e4tte ebenso zu einer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y46b ff4 fs2 fc2 sc0 ls0 ws0\">pauschalen und un<span class=\"_ _0\"></span>differenzierten Erh\u00f6hung des ECL gef\u00fchrt. Aus diesem Gru<span class=\"_ _0\"></span>nd wurde der Einsatz der Hardfact<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">45<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x67 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Prognosen im Bilanzrating au<span class=\"_ _0\"></span>sgesetzt. Stark von Covid betroffene Kunden wurden<span class=\"_ _0\"></span> mit Hilfe <span class=\"_ _0\"></span>von Outlook Gespr\u00e4-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">chen identifiziert und selektiv schlechter gerat<span class=\"_ _0\"></span>et. Da es in Folge dieser Ma\u00dfn<span class=\"_ _0\"></span>ahme nicht mehr zur impliziten Be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">r\u00fccksichtigung von FLI-Fakto<span class=\"_ _0\"></span>ren beim Bilanzrating kam, wurd<span class=\"_ _0\"></span>en diese im ECL Modell bei den Corpo<span class=\"_ _0\"></span>rates auch im 1.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr ber\u00fccksichtigt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y46c ff9 fs2 fc2 sc0 ls0 ws0\">Nur im Bereich der R\u00fcckstellungen existiert im Bereich des op<span class=\"_ _0\"></span>erationellen Risikos no<span class=\"_ _0\"></span>ch eine \u201eR\u00fcckstellung f\u00fcr drohende Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y46d ff9 fs2 fc2 sc0 ls0 ws0\">luste aus Zinsstundungen im Rah<span class=\"_ _0\"></span>men des Covid Moratorium\u201c in der H\u00f6<span class=\"_ _0\"></span>he von \u20ac 2,6 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y46e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y46f ff8 fs2 fc2 sc0 ls0 ws0\">2.3) Auswirkungen des Ukraine <span class=\"_ _0\"></span>Krieges und den Fo<span class=\"_ _0\"></span>lgewirkungen auf den Konzernab<span class=\"_ _0\"></span>schluss<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y470 ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank AG fin<span class=\"_ _0\"></span>anziert keine ukrainischen und russischen Unt<span class=\"_ _0\"></span>ernehmen und h\u00e4lt keine ukrainischen, russischen od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y471 ff4 fs2 fc2 sc0 ls0 ws0\">wei\u00dfrussischen Staatsan<span class=\"_ _0\"></span>leihen und somit ist die Gesch\u00e4ftst\u00e4tigkeit der Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _0\"></span> selbst nicht direkt vom Krieg in d<span class=\"_ _0\"></span>er Uk-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y472 ff4 fs2 fc2 sc0 ls0 ws0\">raine betroffen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y473 ff4 fs2 fc2 sc0 ls0 ws0\">Die nachfolgenden Ausf\u00fchr<span class=\"_ _0\"></span>ungen sollen aktualisierte Informationen und d<span class=\"_ _0\"></span>ie wesentlichen Aspekte zu den gegenw\u00e4rtigen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y276 ff4 fs2 fc2 sc0 ls0 ws0\">Auswirkungen des Krieges in der Ukraine und<span class=\"_ _0\"></span> der damit einhergehenden Energiekrise, <span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>ohen Inflation und steigenden Zin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y474 ff4 fs2 fc2 sc0 ls0 ws0\">sen auf den Konzernab<span class=\"_ _0\"></span>schluss und insbesondere das Kreditrisiko der Ob<span class=\"_ _0\"></span>erbank AG liefern.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y475 ff4 fs2 fc2 sc0 ls0 ws0\">Im 2. Halbjahr 2022 fand<span class=\"_ _0\"></span> der Konjunkturaufschwung in \u00d6st<span class=\"_ _0\"></span>erreich sein Ende und ist in eine Phase des Abschwungs \u00fc<span class=\"_ _0\"></span>berge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y476 ff4 fs2 fc2 sc0 ls0 ws0\">gangen. Dieser Tren<span class=\"_ _0\"></span>d setzte sich auch im 4. Quartal 2022 fort<span class=\"_ _0\"></span>. Grund daf\u00fcr sind die hohen Rohsto<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>- und Energiepreise in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y477 ff4 fs2 fc2 sc0 ls0 ws0\">Folge des Krieges in der Ukraine sowie der d<span class=\"_ _0\"></span>araus resultierende Anstieg der Inflation, die Abschw<span class=\"_ _0\"></span>\u00e4chung der Konjunktur und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y478 ff4 fs2 fc2 sc0 ls0 ws0\">der damit verbundenen<span class=\"_ _0\"></span> Warenexporte, sow<span class=\"_ _0\"></span>ie die Straffung der Geldpolitik durch die Zentralbanken.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y479 ff4 fs2 fc2 sc0 ls0 ws0\">Die Bundesregierung verabschiedete im 4. Qu<span class=\"_ _0\"></span>artal 2022 Ma\u00dfnah<span class=\"_ _0\"></span>men zur Abfederung der hohen Energiekosten zu<span class=\"_ _0\"></span>r Entlas-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y47a ff4 fs2 fc2 sc0 ls0 ws0\">tung der B\u00fcrger und der h<span class=\"_ _0\"></span>eimischen Unternehmen (Strompreisbremse, 3. An<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>-T<span class=\"ff9\">euerungsp<span class=\"_ _0\"></span>aket, etc \u2026). </span> </div><div class=\"t m0 x3 h5 y47b ff4 fs2 fc2 sc0 ls0 ws0\">Die staatlichen St\u00fctzun<span class=\"_ _0\"></span>gsma\u00dfnahmen und die nach wie vor h<span class=\"_ _0\"></span>errschende Ungewissheit \u00fcber die Entwicklung und<span class=\"_ _0\"></span> Folgen des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y47c ff4 fs2 fc2 sc0 ls0 ws0\">Krieges in der Ukraine f\u00fchren zu einer Verz\u00f6gerun<span class=\"_ _0\"></span>g in der Abbildung gesamtwirtschaftlicher Gr\u00f6\u00dfen in den Au<span class=\"_ _0\"></span>sfallrat<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y47d ff4 fs2 fc2 sc0 ls0 ws0\">Privat- und Firmenkun<span class=\"_ _0\"></span>den und erschweren dadurch die fr\u00fchzeitige Erkenn<span class=\"_ _0\"></span>ung einer potenziellen Verschlechterung d<span class=\"_ _0\"></span>er <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y47e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditqualit\u00e4t<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y47f ff4 fs2 fc2 sc0 ls0 ws0\">Das Wertberichtigungsmodell der Oberban<span class=\"_ _0\"></span>k AG nach IFRS9 beinhaltet unter anderem eine Anp<span class=\"_ _0\"></span>assung der Ausfallsw<span class=\"_ _0\"></span>ahr-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y480 ff4 fs2 fc2 sc0 ls0 ws0\">scheinlichkeit (probab<span class=\"_ _0\"></span>ility of default - PD) zur Ber\u00fc<span class=\"_ _0\"></span>cksichtigung von zukunftsgerichteten makro\u00f6kon<span class=\"_ _0\"></span>omischen Informationen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y39b ff4 fs2 fc2 sc0 ls0 ws0\">Die FLI-Modellentwicklung wu<span class=\"_ _0\"></span>rde mit einer Zeithistorie vorgenommen, die diese wirt<span class=\"_ _0\"></span>schaftlichen Verwerfungen, staatlich<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y481 ff4 fs2 fc2 sc0 ls0 ws0\">gest\u00fctzten Verzerrunge<span class=\"_ _0\"></span>n und makro\u00f6konomischen E<span class=\"_ _0\"></span>xtremwerte nicht ber\u00fccksichtigt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y482 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y483 ff4 fs2 fc2 sc0 ls0 ws0\">Um der erwarteten signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung der Ausfallsrisiken Rechnung zu<span class=\"_ _0\"></span> tragen, wird f\u00fcr folgende Teilportfolios als M<span class=\"_ _0\"></span>a-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y436 ff4 fs2 fc2 sc0 ls0 ws0\">nagement Overlay Ma\u00dfn<span class=\"_ _0\"></span>ahme ein kollektiver Transfer von Stufe 1 auf Stufe 2 vo<span class=\"_ _1\"></span>rgenommen.  </div><div class=\"t m0 x3 h5 y484 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x32 ha y485 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer Einzelanalyse eine hohe Gasabh\u00e4n<span class=\"_ _0\"></span>gigkeit festgestellt wer-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y3a3 ff4 fs2 fc2 sc0 ls0 ws0\">den konnte. Das Risiko <span class=\"_ _0\"></span>einer neuerlich starken Verteuerung der Gasp<span class=\"_ _0\"></span>reise bzw. eines Gasstop, sowie deren Folgen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y486 ff4 fs2 fc2 sc0 ls0 ws0\">k\u00f6nnen nicht au<span class=\"_ _0\"></span>sgeschlossen und nur schwer ab<span class=\"_ _0\"></span>gesch\u00e4tzt werden. Die Bildung der zus\u00e4tzlichen Vor<span class=\"_ _0\"></span>sorge erh\u00f6ht<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y487 ff4 fs2 fc2 sc0 ls0 ws0\">die Wertberichtigung im Lebend<span class=\"_ _0\"></span>gesch\u00e4ft um 10,5 Mio. Euro<span class=\"_ _0\"></span> </div><div class=\"t m0 x32 ha y488 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten, bei<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x67 h5 y489 ff4 fs2 fc2 sc0 ls0 ws0\">denen aufgrund<span class=\"_ _0\"></span> der massiven Zinsanstiege durch die EZB, sowie der vorherr<span class=\"_ _0\"></span>schenden hohen Inflation h\u00f6here Risi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y48a ff4 fs2 fc2 sc0 ls0 ws0\">ken in Bezug auf Projekt<span class=\"_ _0\"></span>fortschritt und die R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit der Kredite bestehen. Die Bildung der zus\u00e4tzli-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y48b ff4 fs2 fc2 sc0 ls0 ws0\">chen Vorsorge (Lifetime Expected Loss) er<span class=\"_ _0\"></span>h\u00f6ht d<span class=\"_ _0\"></span>ie Wertberichtigung im Lebendgesch\u00e4ft um 9,6 Mio. E<span class=\"_ _0\"></span>uro<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3ab ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y48c ff4 fs2 fc2 sc0 ls0 ws0\">Betroffenes Collective<span class=\"ff9\">\u2014</span>Staging<span class=\"_ _0\"></span> Portfolio per 31.12.2022 nach Stufent<span class=\"_ _0\"></span>ransfergr\u00fcnden in Tsd. Euro<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y48d ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _7\"> </span> </div></div>Konzernabschlu<span class=\"_ _0\"></span>ss 46<span class=\"ls0\"> </span>2.4) Konsolidierungsmethod<span class=\"_ _0\"></span>en Alle wesentlichen Tochterunt<span class=\"_ _0\"></span>ernehmen, die unter der wirtschaftli<span class=\"_ _0\"></span>chen Beherrschung d<span class=\"_ _0\"></span>er Oberbank AG stehen, wurden in den Konzernabschluss einb<span class=\"_ _0\"></span>ezogen.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die wichtigsten Beteiligungen mit b<span class=\"_ _0\"></span>is zu 50 % Beteiligungsverh\u00e4ltnis wurden n<span class=\"_ _0\"></span>ach der Equity-Meth<span class=\"_ _0\"></span>ode bilanziert (BKS </span></span>Bank AG, Bank f\u00fcr Tiro<span class=\"_ _0\"></span>l und Vorarlberg Aktiengesellschaft<span class=\"_ _0\"></span>, voestalpine AG). Voraussetzung f\u00fcr die Einbeziehun<span class=\"_ _0\"></span>g nach der Equity-Methode ist,<span class=\"_ _0\"></span> dass auf die Unternehmenspolitik ma\u00dfgeblicher Einfluss ausge\u00fcbt w<span class=\"_ _0\"></span>erden kann. Durch den <span class=\"_ _0\"></span> ma\u00dfgeblichen Einfluss verf\u00fcgt<span class=\"_ _0\"></span> der Investor \u00fcber einen Anteil an der Ertragskr<span class=\"_ _0\"></span>aft de<span class=\"_ _0\"></span>s assoziierten Unternehmens und demzufolge \u00fcber einen Ant<span class=\"_ _0\"></span>eil am R\u00fcckfluss des eingesetzten Kapitals und des Nettoverm\u00f6<span class=\"_ _0\"></span>gens.  Ebenso sind Gewinnaus-<span class=\"_ _128\"> </span>sch\u00fcttungen kein M<span class=\"_ _0\"></span>a\u00dfstab f\u00fcr die zurechenbare Leistung d<span class=\"_ _0\"></span>es assoziierten Unternehmens. Das Ergebnis aus <span class=\"_ _1\"></span> Beteiligungen, auf die ein ma\u00dfgeblicher Einflu<span class=\"_ _0\"></span>ss ausge\u00fcbt wird, wird dur<span class=\"_ _0\"></span>ch die Einbeziehung des anteiligen <span class=\"_ _0\"></span> Jahres\u00fcberschusses treffender abgebildet. <span class=\"_ _0\"></span>Eine weitere Ergebniseliminierung aufgru<span class=\"_ _0\"></span>nd von Konsolidierungen oder von auf eigene Ergebnisanteile entfallend<span class=\"_ _0\"></span>e Jahres\u00fcb<span class=\"_ _0\"></span>ersch\u00fcsse wird bei at-Equit<span class=\"_ _0\"></span>y Beteiligungen nicht vorgenommen.<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">F\u00fcr gemeinschaftliche T\u00e4tigkeiten (ALPENL\u00c4ND<span class=\"_ _0\"></span>ISCHE GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H.) wurd<span class=\"_ _0\"></span>e neben der Bilanzierung </span></span>der eigenen Verm\u00f6genswerte, Schulden, Er<span class=\"_ _0\"></span>l\u00f6se und Aufwendungen die <span class=\"_ _0\"></span>anteilsm\u00e4\u00dfige Konso<span class=\"_ _0\"></span>lidierung angewandt<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Nicht konsolidiert wurd<span class=\"_ _0\"></span>en Tochterunternehmen, deren Einfluss auf die Verm\u00f6gens<span class=\"_ _0\"></span>-, Finan<span class=\"_ _0\"></span>z- und Ertragslage des  </span></span>Konzerns insgesamt von unt<span class=\"_ _0\"></span>ergeordneter Bedeutung ist. \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die \u00fcbrigen Beteiligungen sind gem\u00e4\u00df IFRS 9 mit d<span class=\"_ _0\"></span>em Fair Valu<span class=\"_ _0\"></span>e angesetzt. </span></span>Die Kapitalkonsolid<span class=\"_ _0\"></span>ierung erfolgte gem\u00e4\u00df den Bestimmungen des IFRS 3 nach der E<span class=\"_ _0\"></span>rwerbsmethode. Aktive Unterschieds<span class=\"_ _1\"></span>- betr\u00e4ge, die auf gesond<span class=\"_ _0\"></span>ert identifizierbare immaterielle Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e entfallen, die im Rahmen des <span class=\"_ _1\"></span> Unternehmenszusammenschlu<span class=\"_ _0\"></span>sses erworben wurden,<span class=\"_ _0\"></span> werden getrennt vom Firmenwert ausgewiesen. Dabei werden au<span class=\"_ _0\"></span>ch f\u00fcr die Fremdanteile die ant<span class=\"_ _0\"></span>eiligen Unterschiedsbetr\u00e4ge angef\u00fchrt. Sow<span class=\"_ _0\"></span>eit f\u00fcr diese Verm\u00f6gensgegenst\u00e4nde eine Nutzu<span class=\"_ _0\"></span>ngs-<span class=\"_ _128\"> </span>dauer bestimmt werden<span class=\"_ _0\"></span> kann, erfolgt eine planm\u00e4\u00dfige Abschreibun<span class=\"_ _0\"></span>g \u00fcber die voraussichtliche Nutzungsdauer. <span class=\"_ _0\"></span> Konzerninterne Forderungen und<span class=\"_ _0\"></span> Verbindlichkeiten sowie Au<span class=\"_ _0\"></span>fwendungen und Ertr\u00e4ge werden eliminiert, soweit s<span class=\"_ _0\"></span>ie nicht von untergeordneter Bed<span class=\"_ _0\"></span>eutung sind. Auf eine Zwischenergebniseliminierun<span class=\"_ _0\"></span>g wurde verzichtet, da keine w<span class=\"_ _0\"></span>esentlichen  Zwischenergebnisse vorh<span class=\"_ _0\"></span>anden sind. 2.5) Unternehmenserwerb<span class=\"_ _0\"></span>e Mit 1. J\u00e4nner 2022 wurde die Oberb<span class=\"_ _0\"></span>ank Frank Immobilienleasing GmbH erwo<span class=\"_ _0\"></span>rben.  Dabei handelt es sich um eine <span class=\"_ _1\"></span> Immobilienleasinggesellschaft, die gem\u00e4\u00df IFRS 3 i<span class=\"_ _0\"></span>m Gesch\u00e4ftsjahr<span class=\"_ _0\"></span> 2022 erstmalig in den Konzernabschluss einb<span class=\"_ _0\"></span>ezogen wurde. 2.6) Ermessensen<span class=\"_ _0\"></span>tscheidungen, Annahmen und Sch\u00e4tzung<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> Im vorliegenden Konzernab<span class=\"_ _0\"></span>schluss sind Werte enthalten, deren H\u00f6he durch Ermessensent<span class=\"_ _0\"></span>scheidungen, Annah<span class=\"_ _0\"></span>men und <span class=\"_ _0\"></span> Sch\u00e4tzungen best<span class=\"_ _0\"></span>immt wurde. Diese Annahmen und<span class=\"_ _0\"></span> Sch\u00e4tzungen beruhen auf Erfahrungen aus der Vergan<span class=\"_ _0\"></span>genheit, auf <span class=\"_ _0\"></span> Planungen und auf n<span class=\"_ _0\"></span>ach heutigem Ermessen wahrscheinlichen Progn<span class=\"_ _0\"></span>osen f\u00fcr das Eintreten k\u00fcnftiger Ereignisse.<span class=\"_ _1\"></span> Die Ermessensentscheidun<span class=\"_ _0\"></span>gen, Annahmen und Sch\u00e4<span class=\"_ _0\"></span>tzungen betreffen im vor<span class=\"_ _0\"></span>liegenden Konzernabschluss im Wesentlichen<span class=\"_ _128\"> </span> folgende Sachverhalte: <span class=\"_ _7\"> </span> <table class=\"s w2ae h163\" id=\"_a13a6998-83c5-4211-b9a3-bd96140f57df\"><tr><td class=\"c x178 y1126 w2af h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Bi<span class=\"_ _5\"></span>la<span class=\"_ _5\"></span>nzpo<span class=\"_ _5\"></span>si<span class=\"_ _5\"></span>tion<span class=\"_ _128\"> </span></div></td><td class=\"c x1c1 y1126 w2b0 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Tra<span class=\"_ _5\"></span>nsfergrund<span class=\"_ _128\"> </span></div></td><td class=\"c x1c2 y1126 w2b1 h164\"><div class=\"t m2 x177 h5e y1125 ffb fsb fc2 sc0 ls0 ws0\">Forde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ungsv<span class=\"_ _5\"></span>olumen in TSD<span class=\"_ _5\"></span> \u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x1c3 y1126 w2b2 h164\"><div class=\"t m2 x177 h5e y1125 ffb fsb fc2 sc0 ls0 ws0\">Ef<span class=\"_ _5\"></span>fekt aus Stufent<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ans<span class=\"_ _5\"></span>fer <span class=\"_ _0\"></span>in T<span class=\"_ _5\"></span>SD<span class=\"_ _5\"></span> \u20ac<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y1128 w2b3 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer Ga<span class=\"_ _0\"></span>s<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>bh\u00e4<span class=\"_ _1\"></span>ngi<span class=\"_ _0\"></span>gkei<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span></div></td><td class=\"c x1c5 y1128 w2b4 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.07<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.20<span class=\"_ _0\"></span>9<span class=\"_ _128\"> </span></div></td><td class=\"c x1c6 y1128 w2b5 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">6.74<span class=\"_ _0\"></span>8<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1c7 y1129 w5c h60\"><div class=\"t m2 x85 h5f y4be ff4 fsb fc2 sc0 ls0 ws0\">Bi<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>nzi<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>e V<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>rm\u00f6ge<span class=\"_ _5\"></span>ns<span class=\"_ _0\"></span>we<span class=\"_ _5\"></span>rte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c4 y112a w2b6 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer I<span class=\"_ _0\"></span>mm<span class=\"_ _5\"></span>obi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>i<span class=\"_ _0\"></span>enpr<span class=\"_ _0\"></span>oj<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span>kte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c8 y112a w2b7 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.87<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.11<span class=\"_ _0\"></span>6<span class=\"_ _128\"> </span></div></td><td class=\"c x1c9 y112a w2b8 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">7.94<span class=\"_ _0\"></span>8<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112b w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td class=\"c x1ca y112b w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">2.95<span class=\"_ _0\"></span>5.32<span class=\"_ _0\"></span>5<span class=\"_ _128\"> </span></div></td><td class=\"c x1cb y112b w2bb h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">14<span class=\"_ _0\"></span>.696<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112c w2b3 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer Ga<span class=\"_ _0\"></span>s<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>bh\u00e4<span class=\"_ _1\"></span>ngi<span class=\"_ _0\"></span>gkei<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span></div></td><td class=\"c x1cc y112c w2bc h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">81<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.55<span class=\"_ _0\"></span>1<span class=\"_ _128\"> </span></div></td><td class=\"c x1cd y112c w2b5 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">3.70<span class=\"_ _0\"></span>9<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1c7 y112d w5c h60\"><div class=\"t m2 x5c h5f y4be ff4 fsb fc2 sc0 ls0 ws0\">A<span class=\"_ _5\"></span>u\u00dferbi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>nzi<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span> V<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>rm\u00f6ge<span class=\"_ _5\"></span>ns<span class=\"_ _0\"></span>we<span class=\"_ _5\"></span>rte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c4 y112e w2b6 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer I<span class=\"_ _0\"></span>mm<span class=\"_ _5\"></span>obi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>i<span class=\"_ _0\"></span>enpr<span class=\"_ _0\"></span>oj<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span>kte<span class=\"_ _128\"> </span></div></td><td class=\"c x1cc y112e w2bc h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">23<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.90<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td><td class=\"c x1cd y112e w2b5 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.64<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112f w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td class=\"c x1ca y112f w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">1.04<span class=\"_ _0\"></span>5.45<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td><td class=\"c x1ce y112f w2bd h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">5.35<span class=\"_ _0\"></span>5<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1130 w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x1cf y1130 w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">4.00<span class=\"_ _0\"></span>0.78<span class=\"_ _0\"></span>2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d0 y1130 w2bb h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>.051<span class=\"_ _128\"> </span></div></td></tr></table><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">47<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> </div><div class=\"t m0 x6 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">durch die Struktur der Qualit<span class=\"_ _0\"></span>\u00e4t des Kreditportfo<span class=\"_ _0\"></span>lios bestimmt. Dar\u00fcber hinaus ist es f\u00fcr die Ermittlung des Wert<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">minderungsaufwands erforderlich, H\u00f6h<span class=\"_ _0\"></span>e und Zeitpunkt zu<span class=\"_ _0\"></span>k\u00fcnftige<span class=\"_ _5\"></span>r Zahlungsstr\u00f6me zu sch\u00e4t<span class=\"_ _0\"></span>zen. N\u00e4here Details sind<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">unter 2.8) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e und Verpflichtungen sowie S<span class=\"_ _0\"></span>icherungsbeziehungen s<span class=\"_ _0\"></span>owie im Risikobericht in <span class=\"_ _0\"></span> </div><div class=\"t m0 x6 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Note 43 ff (Kreditrisiko) enthalten.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Wertminderungen b<span class=\"_ _0\"></span>ei Anteilen an at Equity<span class=\"_ _0\"></span>-Unternehmen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Wenn objektive Hinweise auf eine Wertmind<span class=\"_ _0\"></span>erung bei einem Anteil an at Equity<span class=\"_ _0\"></span>-U<span class=\"_ _0\"></span>nternehmen vorliegen, wird auf Basis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">gesch\u00e4tzter zuk\u00fcn<span class=\"_ _0\"></span>ftiger Zahlungsstr\u00f6me der erzielbare Betrag ermittelt (siehe auch No<span class=\"_ _0\"></span>te 2.10). Der Pr\u00fcfungsanlass ist  <span class=\"_ _0\"></span> </div><div class=\"t m0 x6 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">gegeben, wenn entwed<span class=\"_ _0\"></span>er der Marktwert um mindestens 20 % unter die An<span class=\"_ _0\"></span>schaffungskosten sinkt oder wenn der Markt-<span class=\"_ _128\"> </span></div><div class=\"t m0 x6 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">wert dauerhaft mindest<span class=\"_ _0\"></span>ens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von neun Monaten unter den Anschaffungskosten liegt. D<span class=\"_ _0\"></span>etails zu den<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerten von Ant<span class=\"_ _0\"></span>eilen an at Equity-Unt<span class=\"_ _0\"></span>ernehmen werden in Note 17 (Finanzanlagen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">Wertminderung b<span class=\"_ _0\"></span>ei Schuldtiteln<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass bei Schuldtiteln ist gegeben, wenn d<span class=\"_ _0\"></span>er Marktwert um mindestens 20 % unter d<span class=\"_ _0\"></span>ie  </div><div class=\"t m0 x6 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungskosten sinkt u<span class=\"_ _0\"></span>nd dies dauerhaft \u00fcber einen Zeitraum von<span class=\"_ _0\"></span> neun Monaten der Fall ist.<span class=\"_ _0\"></span> </div><div class=\"t m0 x6 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Zu jedem Bilanzstichtag w<span class=\"_ _0\"></span>ird gepr\u00fcft, ob ein Ereignis eingetreten <span class=\"_ _0\"></span>ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x6 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">str\u00f6me hat und sich verl\u00e4sslich ermitteln l\u00e4sst<span class=\"_ _0\"></span>. Wird festgestellt, dass eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">innerhalb der geplant<span class=\"_ _0\"></span>en Behaltefrist nicht zu erwarten ist, liegt Impairment vor.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsdauern<span class=\"_ _0\"></span> beim Anlageverm\u00f6gen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng von Sachanlagen und immateriellen Verm\u00f6gensgegenst\u00e4n<span class=\"_ _0\"></span>den erfolgt linear auf Basis d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauern. Details zu den Buchwerten w<span class=\"_ _0\"></span>erden in Note 18 (Immaterielles An<span class=\"_ _0\"></span>lageverm\u00f6gen) und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Note 19 (Sachanlagen) dar<span class=\"_ _0\"></span>gestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Steuerabgrenzung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">Die Berechnung erfolgt bei jedem Steuersu<span class=\"_ _0\"></span>bjekt zu den Steuers\u00e4tzen, d<span class=\"_ _0\"></span>ie erwartungsgem\u00e4\u00df in dem Besteuerungszeit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x6 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">raum angewandt<span class=\"_ _0\"></span> werden, in dem sich die Steuerlatenz umkehrt. F\u00fcr Verlust<span class=\"_ _0\"></span>vortr\u00e4ge werd<span class=\"_ _0\"></span>en aktive latente Steuern nur  </div><div class=\"t m0 x6 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">angesetzt, wenn es wahr<span class=\"_ _0\"></span>scheinlich ist, dass in Zukunft mit steuerbaren Gewinnen in<span class=\"_ _0\"></span> entsprechender H\u00f6he zu rechnen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">ist. Angaben zu den latent<span class=\"_ _0\"></span>en Steuern sind in Note 21 (Sonstige Aktiva) dargestellt.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Personalr\u00fcckstellungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">Diese werden auf Basis von v<span class=\"_ _0\"></span>ersicherungsmathematischen Gutachten ermitt<span class=\"_ _0\"></span>elt. Dabei werden neben den bekannten <span class=\"_ _1\"></span> </div><div class=\"t m0 x6 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Renten und erworb<span class=\"_ _0\"></span>enen Anwartschaften auch die zuk\u00fcn<span class=\"_ _0\"></span>ftig zu erwartenden Erh\u00f6hungen an Geh\u00e4ltern und Renten <span class=\"_ _0\"></span> </div><div class=\"t m0 x6 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">einbezogen. In Note 25 (R\u00fc<span class=\"_ _0\"></span>ckstellungen) werden die wesent<span class=\"_ _0\"></span>lichen versicherungsmathematischen A<span class=\"_ _0\"></span>nnahmen sowie eine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Sensitivit\u00e4tsanalyse bei \u00c4nd<span class=\"_ _0\"></span>erung ma\u00dfgeblicher versicherungsmathematischer Annah<span class=\"_ _0\"></span>men angegeben.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Bei der Bemessung von R\u00fc<span class=\"_ _0\"></span>ckstellungen sind Sch\u00e4tzungen bez\u00fcglich der H\u00f6<span class=\"_ _0\"></span>he und der F\u00e4lligkeit vo<span class=\"_ _0\"></span>n zuk\u00fcnftigen  </div><div class=\"t m0 x6 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungsstr\u00f6men erforderlich. Det<span class=\"_ _0\"></span>ails werden in Note 25 (R\u00fcckstellungen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">48<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Rechtsstreitigkeiten der 3 Banken mit der UniCredit Bank Au<span class=\"_ _0\"></span>stria AG und der CABO Beteiligungsgesellschaft m.<span class=\"_ _0\"></span>b.H.:<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Die UniCredit Ban<span class=\"_ _0\"></span>k Austria AG und die CABO Beteiligungsgesellschaft m.b<span class=\"_ _0\"></span>.H. (gemeinsam kurz: UniCredit) h<span class=\"_ _0\"></span>aben in der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">Hauptversammlung der Oberb<span class=\"_ _0\"></span>ank im Mai 2019 den Antrag gestellt, einen<span class=\"_ _0\"></span> dritten ihnen zuzurechnenden V<span class=\"_ _0\"></span>ertreter in den<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Aufsichtsrat der Oberban<span class=\"_ _0\"></span>k zu w\u00e4hlen. Dieser Antrag fan<span class=\"_ _0\"></span>d keine Zustimmung. Die UniCredit hat in der Folge eine Klage auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Anfechtung einzelner Hauptversammlungsbeschl\u00fc<span class=\"_ _0\"></span>sse erhoben. Das diesbez\u00fcgliche Verfahren<span class=\"_ _0\"></span> wurde am 20. Dezember 2019<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">geschlossen.  </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Nachdem das Landesgericht Linz s\u00e4mtliche<span class=\"_ _0\"></span> Klagebegehren der Un<span class=\"_ _0\"></span>iCredit negativ beschieden hatte, h<span class=\"_ _0\"></span>at das OLG Linz diese<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Entscheidung insofern revidiert, als d<span class=\"_ _0\"></span>ie von der Hauptversammlung im Mai 2019 beschlossen<span class=\"_ _0\"></span>e Reduktion der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">KapitalvertreterInnen von zw\u00f6<span class=\"_ _0\"></span>lf auf elf f\u00fcr nichtig erkl\u00e4rt wurde. Dem F<span class=\"_ _0\"></span>eststellungbegehren d<span class=\"_ _0\"></span>er UniCredit auf Wahl des von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">ihr nominierten Kandidat<span class=\"_ _0\"></span>en wurde jedoch nicht stattgegeben. Dieses Urteil ist in<span class=\"_ _0\"></span>zwischen rechtskr\u00e4ftig. Es h<span class=\"_ _0\"></span>at abgesehen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">von der best\u00e4tigten Nichtw<span class=\"_ _0\"></span>ahl des von UniCredit beantragten Kandidaten keine weitere<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span> rechtlichen Auswirkungen. Rele-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">vante bilanzielle Auswirkungen dieses Verfahr<span class=\"_ _0\"></span>ens sind nicht erkennbar.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Ende Dezember 2019 hat<span class=\"_ _0\"></span> die UniCredit die Einberufung einer au\u00dferordent<span class=\"_ _0\"></span>lichen Hauptversammlung der Aktion\u00e4rInnen der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG beantragt,<span class=\"_ _0\"></span> die am 4. Februar<span class=\"_ _0\"></span> 2020 stattfand. Die Antr\u00e4ge der UniCredit (Sond<span class=\"_ _0\"></span>erpr\u00fcfung der Oberbank<span class=\"_ _0\"></span>-Kapital-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">erh\u00f6hungen seit 1989, Beendigun<span class=\"_ _0\"></span>g eines Schiedsverfahrens mit der G<span class=\"_ _0\"></span>enerali<span class=\"_ _0\"></span>-3 Banken-Holding) fanden<span class=\"_ _0\"></span> keine  </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">Zustimmung.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Auch in der ordentlichen Hau<span class=\"_ _0\"></span>ptversammlung am 20. Mai 2020<span class=\"_ _0\"></span> stellte die UniCredit Antr<span class=\"_ _0\"></span>\u00e4ge auf Durchf\u00fchrung von <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Sonderpr\u00fcfungen, die jedo<span class=\"_ _0\"></span>ch keine Mehrheit fanden. Die UniCredit hat einerseits An<span class=\"_ _0\"></span>fechtungsklage gegen diese Beschl\u00fcsse<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">eingebracht. Andererseits hat sie bez\u00fcglich des Antrags a<span class=\"_ _0\"></span>uf Sonderpr\u00fcfung aus der a<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>\u00dferordentlichen Hauptversammlung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">2020 im Zusammenhang mit d<span class=\"_ _0\"></span>en Kapitalerh\u00f6hungen der BKS Bank AG <span class=\"_ _0\"></span>(kurz: BKS) beziehungsweise der Bank f\u00fcr<span class=\"_ _0\"></span> Tirol und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Vorarlberg AG (kurz: BTV) im Jahr 2018 u<span class=\"_ _0\"></span>nd bez\u00fcglich einiger abgelehnter Sond<span class=\"_ _0\"></span>erpr\u00fcfungsthemen aus der ordent<span class=\"_ _1\"></span>lichen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Hauptversammlung 2020 einen gerichtlichen An<span class=\"_ _0\"></span>trag auf Sonderpr\u00fcfun<span class=\"_ _0\"></span>g gestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Der von UniCredit gestellte gerichtliche Ant<span class=\"_ _0\"></span>rag auf Sonderpr\u00fcfung w<span class=\"_ _0\"></span>urde vom Landesgericht Linz teilweise abgewiesen und<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">hinsichtlich der \u00fcbrigen Themen das<span class=\"_ _0\"></span> Verfahren bis zu<span class=\"_ _0\"></span>r Erledigung des anh\u00e4ngigen Zivilprozesses betreffend<span class=\"_ _0\"></span> die Anfechtungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">klage gegen Beschl\u00fcsse der ordentlichen Haup<span class=\"_ _0\"></span>tversammlung 2020 unt<span class=\"_ _0\"></span>erbrochen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">Die Anfechtungsverfahren wu<span class=\"_ _0\"></span>rden bis zur Kl\u00e4rung \u00fcbernahmerechtlicher Vo<span class=\"_ _0\"></span>rfragen unterbrochen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">Die UniCredit hat End<span class=\"_ _0\"></span>e Februar 2020 Antr\u00e4ge bei der \u00dcbernahmekommission gestellt, mit denen \u00fcb<span class=\"_ _0\"></span>erpr\u00fcft werden soll, ob<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">die bei den 3 Banken b<span class=\"_ _0\"></span>estehenden Aktion\u00e4rssyndikate eine \u00fcbernahmerechtliche An<span class=\"_ _0\"></span>gebotspflicht verletzt haben. Die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG ist von d<span class=\"_ _0\"></span>iesen Verfahren als Mitglied d<span class=\"_ _0\"></span>er Syndikate bei der BTV und b<span class=\"_ _0\"></span>ei der BKS unmittelbar betroffen. Die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">Syndikate der BTV und BKS w<span class=\"_ _0\"></span>urden mit nach wie vor g\u00fcltigen Bescheiden der \u00dcbern<span class=\"_ _0\"></span>ahmekommission aus dem Jahr 2003<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">genehmigt. Die UniCredit erhebt d<span class=\"_ _0\"></span>en Einwand, dass sich<span class=\"_ _0\"></span> seitdem die Zusammensetzung u<span class=\"_ _0\"></span>nd Willensbildung der Syndikate<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">ver\u00e4ndert sowie diese insgesamt seit d<span class=\"_ _0\"></span>em Jahr 2003 ihr Stimmgewicht in \u00fcb<span class=\"_ _0\"></span>ernahmerechtlich relevanter Weise ausgebaut<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">h\u00e4tten und dadurch eine Angebo<span class=\"_ _0\"></span>tspflicht ausgel\u00f6st worden<span class=\"_ _0\"></span> w\u00e4re.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">Dazu haben zwischen<span class=\"_ _0\"></span> dem 27. September 2020 und<span class=\"_ _0\"></span> dem 1. Oktober 2020 drei Verhandlu<span class=\"_ _0\"></span>ngstage mit umfangreichen Zeu-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">geneinvernahmen vor der \u00dcbernahmekommission<span class=\"_ _0\"></span> stattgefunden. Die Ent<span class=\"_ _0\"></span>scheidung steht nach wie vor aus.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">Der Vorstand geht nach<span class=\"_ _0\"></span> sorgf\u00e4ltiger Pr\u00fcfung unter Beiziehung<span class=\"_ _0\"></span> externer Expert<span class=\"_ _0\"></span>en davon aus, dass diese \u00fcbernahmerechtliche<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Pr\u00fcfung zu keiner Angebotsp<span class=\"_ _0\"></span>flicht f\u00fchren wird.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">Gegen die Beschl\u00fcsse der Hauptv<span class=\"_ _0\"></span>ersammlung vom 11. Mai 2021 wurden kein<span class=\"_ _0\"></span>e Anfechtungen erhoben<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Gegen die Beschl\u00fcsse der Hauptv<span class=\"_ _0\"></span>ersammlung vom 17. Mai <span class=\"_ _0\"></span>2022 wurden keine An<span class=\"_ _0\"></span>fechtungen erhoben.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">Ende Juni 2021 h<span class=\"_ _0\"></span>at UniCredit neue Unterlassungs<span class=\"_ _0\"></span>- und Feststellungsklagen b<span class=\"_ _0\"></span>eim Landesgericht Linz eingebracht<span class=\"_ _0\"></span>. Im Wesent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">lichen geht es um die Feststellung, d<span class=\"_ _0\"></span>ass die Beschl\u00fcsse des Vorstan<span class=\"_ _0\"></span>ds der Oberbank AG auf Durchf\u00fc<span class=\"_ _1\"></span>hrung der letzten 4 Kapi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">talerh\u00f6hungen der Oberban<span class=\"_ _0\"></span>k AG und die Beschl\u00fcsse zur Leistung von Zusch\u00fcssen<span class=\"_ _0\"></span> an die Generali 3Banken Holding AG f\u00fcr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">die Kapitalerh\u00f6hun<span class=\"_ _0\"></span>gen der 3 Banken nichtig seien, und dass es der Vorstand in<span class=\"_ _0\"></span> Zukunft unterlassen solle, derartige Z<span class=\"_ _1\"></span><span class=\"ls6\">u-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00fcsse zu leisten oder A<span class=\"_ _0\"></span>ktion\u00e4ren, die mit der Oberbank AG wechselseitig beteiligungsm\u00e4\u00dfig <span class=\"_ _0\"></span>verbunden sind, Aktien im<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">Zuge von Kapitalerh\u00f6hun<span class=\"_ _0\"></span>gen zuzuteilen. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">49<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Seitens der UniCred<span class=\"_ _0\"></span>it wurden inhaltlich gleichartige Klagen auch gegen BKS und BT<span class=\"_ _0\"></span>V eingebracht, d<span class=\"_ _0\"></span>enen die Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">jeweils als Nebenintervenientin beigetreten ist<span class=\"_ _0\"></span>. Im gegen die BTV gef\u00fchrten Verfahr<span class=\"_ _0\"></span>en wurde die Klage bereits erst<span class=\"_ _0\"></span>- <span class=\"ls6\">und<span class=\"_ _128\"> </span></span><span class=\"ls6\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">zweitinstanzlich vollinhaltlich abgewiesen, sod<span class=\"_ _0\"></span>ass dieses Verfahren bereits in dritter und letzter Instanz beim OGH<span class=\"_ _1\"></span> anh\u00e4ngig<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">ist. Vor diesem Hintergrund<span class=\"_ _0\"></span> haben sich die Uni<span class=\"_ _0\"></span>Credit und die Oberbank AG mittlerweile darauf geeinigt, im gegen die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG gef\u00fchrten<span class=\"_ _0\"></span> Verfahren vorl\u00e4ufig einfaches Ruhen eintreten zu lassen, und<span class=\"_ _0\"></span> die Entscheidung des OGH im Verfah-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">ren gegen die BTV abzu<span class=\"_ _0\"></span>warten.  </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Der Vorstand der Oberbank A<span class=\"_ _0\"></span>G sieht nach sorgf\u00e4ltiger Pr\u00fcfung bei diesem Verfahren wie b<span class=\"_ _0\"></span>ei allen anderen anh\u00e4ngigen Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">fahren mit der UniCredit keine bedeut<span class=\"_ _0\"></span>samen bilanziellen Auswirkungen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverh\u00e4ltnisse<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Als Leasinggeber sind in diesem Bereich Er<span class=\"_ _0\"></span>messensentscheidungen insbeson<span class=\"_ _0\"></span>dere bei der Unterscheidung von<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> </div><div class=\"t m0 x6 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Finanzierungsleasing einerseits und<span class=\"_ _0\"></span> Operate Leasing andererseits notwendig. Als Kriterium gilt nach IFRS 16.62 die \u00dcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x6 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">tragung von im Wesentlichen s\u00e4mt<span class=\"_ _0\"></span>lichen Risiken und Ch<span class=\"_ _0\"></span>ancen vom Leasinggeber au<span class=\"_ _0\"></span>f den Leasingnehmer. Detailangab<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">sind in Note 14 (Forderungen an Kunden<span class=\"_ _0\"></span>) und Note 19 (Sachanlagen) enth<span class=\"_ _0\"></span>alten.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11f ff8 fs2 fc2 sc0 ls0 ws0\">2.7) W\u00e4hrungsumrechnung u<span class=\"_ _0\"></span>nd Konzernw\u00e4hrung<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Die W\u00e4hrungsumr<span class=\"_ _0\"></span>echnung erfolgt nach den Vorschriften des IAS 21. Danach w<span class=\"_ _0\"></span>erden nic<span class=\"_ _0\"></span>ht auf Euro lautende mon<span class=\"_ _0\"></span>et\u00e4re  </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte und Schuld<span class=\"_ _0\"></span>en mit marktgerechten Kursen am Bilanzsticht<span class=\"_ _0\"></span>ag in Euro umgerechnet. No<span class=\"_ _0\"></span>ch nicht abgewickelte<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Termingesch\u00e4fte werden zum Terminku<span class=\"_ _0\"></span>rs am Bilanzstichtag umgerechnet. Die Umrechnun<span class=\"_ _0\"></span>g der auf ausl\u00e4ndische W\u00e4h<span class=\"_ _1\"></span>rung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">lautenden Jahresabsch<span class=\"_ _0\"></span>l\u00fcsse von ausl\u00e4ndischen Tochtergesellschaften w<span class=\"_ _0\"></span>urde f\u00fcr die Bilanz mit dem Devisenmittelkur<span class=\"_ _0\"></span>s der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">EZB am Bilanzstichtag, f\u00fcr d<span class=\"_ _0\"></span>ie Gewinn- und Verlust<span class=\"_ _0\"></span>-Rechnung mit dem Jahresdurchschnittskurs v<span class=\"_ _0\"></span>orgenommen. Der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Konzernabschluss wird i<span class=\"_ _0\"></span>n Euro aufgestellt<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y127 ff8 fs2 fc2 sc0 ls0 ws0\">2.8) Finanzielle Verm\u00f6gen<span class=\"_ _0\"></span>swerte und Verpflichtungen sowie Sicherun<span class=\"_ _0\"></span>gsbeziehungen<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y129 ff5 fs2 fc2 sc0 ls0 ws0\">Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">IFRS 9 enth\u00e4lt einen E<span class=\"_ _0\"></span>instufungs- und Bewertun<span class=\"_ _0\"></span>gsansatz f\u00fcr finanzielle Verm\u00f6genswerte, welcher d<span class=\"_ _0\"></span>as Gesch\u00e4ft<span class=\"_ _0\"></span>smodell, in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">dessen Rahmen Verm\u00f6gensw<span class=\"_ _0\"></span>erte gehalten werden, sowie die Eigenschaften ihrer Cas<span class=\"_ _0\"></span>hflows (Zahlungsstrombedingung) <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">widerspiegelt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y12e ff5 fs2 fc2 sc0 ls0 ws0\">Gesch\u00e4ftsmodell<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Es werden die Klassen von<span class=\"_ _0\"></span> finanziellen Verm\u00f6genswerten in Hinsicht a<span class=\"_ _0\"></span>uf die <span class=\"_ _0\"></span>Gesch\u00e4ftsstrat<span class=\"_ _0\"></span>egie sowie m\u00f6glicher Verkaufs-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">absichten analys<span class=\"_ _0\"></span>iert und daraus die Gesch\u00e4ftsmodelle abgeleitet. Im Wertpap<span class=\"_ _0\"></span>ierportfolio liegt eine Behalteabsicht vor und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">somit wird dieses Port<span class=\"_ _0\"></span>folio dem Gesch\u00e4ftsmodell Hold To Collect zugewiesen. Wertp<span class=\"_ _0\"></span>apiere, <span class=\"_ _0\"></span>die erfolgsneutral zum b<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">zulegenden Zeitwert bew<span class=\"_ _0\"></span>ertet werden,<span class=\"fc3\"> </span>werden d<span class=\"_ _0\"></span>em Gesch\u00e4ftsmodell Hold and Sell zugewiesen. Wertp<span class=\"_ _0\"></span>apiere des Handels-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">buchs wurden dem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell Sell zugewiesen. Das Kreditgesch\u00e4ft h<span class=\"_ _0\"></span>ingegen wird<span class=\"_ _0\"></span><span class=\"fc3\"> </span>zur G\u00e4nze der Kategor<span class=\"_ _0\"></span>ie Hold To<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">Collect zugewiesen. Die klare Halt<span class=\"_ _0\"></span>eabsicht l\u00e4sst sich aus d<span class=\"_ _0\"></span>er Unternehmensstrategie der Oberbank AG ableiten. Die in der <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Vergangenheit get\u00e4tigten Abg\u00e4n<span class=\"_ _0\"></span>ge bewegen sich in einem nicht sign<span class=\"_ _0\"></span>ifikanten Bereich.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4c1 ff5 fs2 fc2 sc0 ls0 ws0\">Zahlungsstrombedingung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">In der Analyse der Zah<span class=\"_ _0\"></span>lungsstrombedingung (SPPI<span class=\"_ _0\"></span>-Kriterien) werden Vertrags- u<span class=\"_ _0\"></span>nd Zinsklauseln u<span class=\"_ _0\"></span>ntersucht, deren  </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Bedingungen zu festgelegten Zahlun<span class=\"_ _0\"></span>gen f\u00fchren, die ausschlie\u00dflich Tilgungen un<span class=\"_ _0\"></span>d Zinsen auf den ausstehenden Kapit<span class=\"_ _0\"></span>albetrag <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">darstellen.  </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">Es werden<span class=\"_ _0\"></span> dabei vor allem Kredite mit SPPI-sch\u00e4dlichen Zin<span class=\"_ _0\"></span>sklauseln identifiziert, d<span class=\"_ _0\"></span>ie mit inkongruenten Zinskomponenten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">ausgestattet sind bzw. M<span class=\"_ _0\"></span>ischzinss\u00e4tze darstellen. Allerdings wird in der Cashflowanalyse kein signifikan<span class=\"_ _0\"></span>ter Unterschied zu<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">Standardkreditvertr\u00e4g<span class=\"_ _0\"></span>en festgestellt, womit diese Kredite auch in Zukunft<span class=\"_ _0\"></span> zu fortgef\u00fchrten Anschaffungskosten bewert<span class=\"_ _0\"></span>et <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c8 ff4 fs2 fc2 sc0 ls0 ws0\">werden. Somit enth\u00e4lt<span class=\"_ _0\"></span> der \u00fcberwiegende Anteil des Kreditportfolios keine SPPI<span class=\"_ _0\"></span>-sch\u00e4dlichen Vert<span class=\"_ _0\"></span>ragsbestandteile. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">50<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Die Durchf\u00fchrung eines Cashflow<span class=\"_ _0\"></span>tests h\u00e4ngt in<span class=\"_ _0\"></span> erster Linie von der Zinskondition d<span class=\"_ _0\"></span>er Gesch\u00e4fte ab. Liegt eine SPPI-<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4dliche Zinsklausel vor,<span class=\"_ _0\"></span> wird ein quantitativer Benchmarktest durchgef\u00fchrt. D<span class=\"_ _0\"></span>as Ergebnis des quantitativen Benchmark-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">tests f\u00fchrt zur finalen E<span class=\"_ _0\"></span>instufung des Verm\u00f6genswerts. Bei Nicht<span class=\"_ _0\"></span>-Bestehen d<span class=\"_ _0\"></span>es Benchmarktests wird der Verm\u00f6genswert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">erfolgswirksam zum beizulegenden<span class=\"_ _0\"></span> Zeitwert bewertet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Im Rahmen des qu<span class=\"_ _0\"></span>antitativen Benchmarktests wird dabei auf Grundlage des Verm\u00f6gensw<span class=\"_ _0\"></span>erts mit SPPI<span class=\"_ _0\"></span>-sch\u00e4dlicher Zin<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">kondition ein Benchmarkpro<span class=\"_ _0\"></span>dukt erzeugt, d<span class=\"_ _0\"></span>essen Zinslaufzeit mit der Zinsperiode \u00fcb<span class=\"_ _0\"></span>ereinstimmt. Dabei werden die <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">undiskontierten Cashflo<span class=\"_ _0\"></span>ws beider Produkte in unterschiedlichen Zinsszenar<span class=\"_ _0\"></span>ien sowohl kumulativ als auch periodisch <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">miteinander verglichen, um festzustellen, ob d<span class=\"_ _0\"></span>ie Abweichungen einen<span class=\"_ _0\"></span> kritischen Schwellenwert<span class=\"_ _0\"></span> \u00fcbersteigen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Davon ausgenommen sind<span class=\"_ _0\"></span> SPPI-sch\u00e4dliche Zinskond<span class=\"_ _0\"></span>itionen, die aufgrund von F\u00f6rd<span class=\"_ _0\"></span>errichtlinien gesetzlich vorgeschrieben<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">sind.  </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr Gesch\u00e4fte, f\u00fcr die hinreichend<span class=\"_ _0\"></span> sicher davon ausgegangen werden kann, das<span class=\"_ _0\"></span>s die Modifikati<span class=\"_ _0\"></span><span class=\"ff9\">on der Ko<span class=\"_ _0\"></span>mponente \u201eZeitwert<span class=\"_ _128\"> </span></span><span class=\"ff9\"> </span></div><div class=\"t m0 x3 h5 y11b ff9 fs2 fc2 sc0 ls0 ws0\">des Geldes\u201c lediglich von unt<span class=\"_ _0\"></span>ergeordneter Bedeutung sein kann, kommt in Erg\u00e4n<span class=\"_ _0\"></span>zung vereinfachend ein qualitativer <span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Benchmarktest zur Anw<span class=\"_ _0\"></span>endung. Dies ist in erster Linie bei folgenden Sach<span class=\"_ _0\"></span>verhalten der Fall:<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 ha y4c9 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Gesch\u00e4ft hat keine b<span class=\"_ _0\"></span>estimmte Kapitalbindun<span class=\"_ _0\"></span>g;<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y4ca ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Fixing findet einige wenige Tage vo<span class=\"_ _0\"></span>r Beginn der Zinsperiode statt.<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x3 h5 y4cb ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4cc ff5 fs2 fc2 sc0 ls0 ws0\">Bewertungskategorien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4cd ff4 fs2 fc2 sc0 ls0 ws0\">IFRS 9 enth\u00e4lt drei wichtige Einstu<span class=\"_ _0\"></span>fungskategorien f\u00fcr finanzielle Verm\u00f6genswerte: zu for<span class=\"_ _0\"></span>tgef\u00fchrten Anschaffungskosten <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y4ce ff4 fs2 fc2 sc0 ls0 ws0\">bewertet (AC), zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust bewertet (FV/<span class=\"_ _0\"></span>PL) sowie zum beizulegenden Zeitwert mit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4cf ff4 fs2 fc2 sc0 ls0 ws0\">Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis bewertet (FV/OCI). Werden fin<span class=\"_ _0\"></span>anzielle Verm\u00f6genswerte in einem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4d0 ff4 fs2 fc2 sc0 ls0 ws0\">gehalten, dessen Zielsetzung d<span class=\"_ _0\"></span>as Behalten der V<span class=\"_ _0\"></span>erm\u00f6genswerte ist, und repr\u00e4sentieren diese finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4d1 ff4 fs2 fc2 sc0 ls0 ws0\">den Anspruch auf Zins<span class=\"_ _0\"></span>- und Tilgungszahlun<span class=\"_ _0\"></span>gen zu vorgegebenen Terminen (SPPI<span class=\"_ _0\"></span>-Kriterien), so sind diese mit den<span class=\"_ _0\"></span>  </div><div class=\"t m0 x3 h5 y4d2 ff4 fs2 fc2 sc0 ls0 ws0\">fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten zu bewerten. Unter bestimmten V<span class=\"_ _0\"></span>oraussetzungen ist eine Designat<span class=\"_ _0\"></span>ion zur Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4d3 ff4 fs2 fc2 sc0 ls0 ws0\">Bewertung m\u00f6glich.  <span class=\"_ _0\"></span>Dies ist in der Oberbank dann d<span class=\"_ _0\"></span>er Fall, wenn eine Absicherung von Grundgesch\u00e4ften mit Deriva<span class=\"_ _0\"></span>ten <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4d4 ff4 fs2 fc2 sc0 ls0 ws0\">besteht, da es ansonst<span class=\"_ _0\"></span>en zu Bewertungsinkongruenzen der beiden Finan<span class=\"_ _0\"></span>zinstrumente in der <span class=\"_ _0\"></span>Bilanzierung ko<span class=\"_ _0\"></span>mmt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4d5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y4d6 ff4 fs2 fc2 sc0 ls0 ws0\">S\u00e4mtliche anderen finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e sind zum Fair Value zu bewert<span class=\"_ _0\"></span>en. Wert\u00e4nderungen dieser Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4d7 ff4 fs2 fc2 sc0 ls0 ws0\">sind in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung oder im son<span class=\"_ _0\"></span>stigen Ergebnis (abh\u00e4ngig vom Gesch\u00e4ftsmodell) zu erfassen. F\u00fc<span class=\"_ _0\"></span>r <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4d8 ff4 fs2 fc2 sc0 ls0 ws0\">bestimmte Eigenkapitalin<span class=\"_ _0\"></span>strumente kann vom Wahlrecht, die Bewertun<span class=\"_ _0\"></span>gs\u00e4nderungen im sonstigen Ergebnis zu<span class=\"_ _0\"></span> erfassen,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4d9 ff4 fs2 fc2 sc0 ls0 ws0\">Gebrauch gemacht werd<span class=\"_ _0\"></span>en. Lediglich Dividendenanspr\u00fcche derart<span class=\"_ _0\"></span>iger Verm\u00f6genswerte sind in der Gewinn<span class=\"_ _1\"></span>- und Verlust-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4da ff4 fs2 fc2 sc0 ls0 ws0\">rechnung darzust<span class=\"_ _0\"></span>ellen. Nach IFRS 9 werden Derivate, die in Vert<span class=\"_ _0\"></span>r\u00e4ge eingebettet sind, bei denen die Basis ein finanzieller<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4db ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswert im Anwend<span class=\"_ _0\"></span>ungsbereich des Standards ist, niemals getrennt b<span class=\"_ _0\"></span>ilanziert. Stattdessen wird das hybride <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y339 ff4 fs2 fc2 sc0 ls0 ws0\">Finanzinstrument insgesamt im Hinblick auf d<span class=\"_ _0\"></span>ie Eins<span class=\"_ _0\"></span>tufung beurteilt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4dc ff4 fs2 fc2 sc0 ls0 ws0\">Fremdkapitalinstrument<span class=\"_ _0\"></span>e werden \u00fcberwiegend mit den fortgef\u00fchrten Ansch<span class=\"_ _0\"></span>affungskosten bewertet. Die Kredite und <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y4dd ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen werden gr\u00f6\u00dft<span class=\"_ _0\"></span>enteils zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _0\"></span> bewertet, da die SPPI<span class=\"_ _0\"></span>-Kriterien,<span class=\"_ _0\"></span> die f\u00fcr eine solche<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4de ff4 fs2 fc2 sc0 ls0 ws0\">Bewertung vorausgesetzt werden, vo<span class=\"_ _0\"></span>n diesen Finanzinstrumenten erf\u00fcllt w<span class=\"_ _0\"></span>erden. Die Bewertung von <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4df ff4 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrument<span class=\"_ _0\"></span>en erfolgt vorwiegend zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis  </div><div class=\"t m0 x3 h5 y4e0 ff4 fs2 fc2 sc0 ls0 ws0\">bewertet (FV/OCI).<span class=\"_ _0\"></span>  </div><div class=\"t m0 x3 h5 y4e1 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4e2 ff5 fs2 fc2 sc0 ls0 ws0\">Wertminderung <span class=\"ffb\">\u2013</span> Finanzielle V<span class=\"_ _0\"></span>erm\u00f6genswerte und vertragliche Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4e3 ff9 fs2 fc2 sc0 ls0 ws0\">IFRS 9 basiert auf einem zukun<span class=\"_ _0\"></span>ftsorientierten Modell der \u201eerwarteten Kr<span class=\"_ _0\"></span>editausf\u00e4lle\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> Dies erfordert erhebliche Ermessens-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y415 ff4 fs2 fc2 sc0 ls0 ws0\">entscheidungen b<span class=\"_ _0\"></span>ez\u00fcglich der Frage, inwieweit die erwarteten Kreditausf\u00e4lle durch Ver\u00e4nderungen d<span class=\"_ _0\"></span>er wirtschaftlichen Fak-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4e4 ff4 fs2 fc2 sc0 ls0 ws0\">toren beeinflusst werden. D<span class=\"_ _0\"></span>iese Einsch\u00e4tzung wird auf Grundlage gewichteter <span class=\"_ _0\"></span>Wahrscheinlich<span class=\"_ _0\"></span>keiten bestimmt. <span class=\"_ _0\"></span>Das Wert-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4e5 ff4 fs2 fc2 sc0 ls0 ws0\">minderungsmod<span class=\"_ _0\"></span>ell nach IFRS 9 ist auf finanzielle Verm\u00f6genswerte anzuwenden<span class=\"_ _0\"></span>, die zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4e6 ff4 fs2 fc2 sc0 ls0 ws0\">oder zu FV/OCI bew<span class=\"_ _0\"></span>ertet werden sowie auf vertragliche Verm\u00f6genswert<span class=\"_ _0\"></span>e und au\u00dferbilanzielle Instrument<span class=\"_ _0\"></span>e, wie \u00fcbernom-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4e7 ff4 fs2 fc2 sc0 ls0 ws0\">mene Haftungen un<span class=\"_ _0\"></span>d unwiderrufliche Kreditzusagen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">51<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Diese werden je nach \u00c4nderu<span class=\"_ _0\"></span>ng des Kreditrisikos zwischen jenem im Zeitpun<span class=\"_ _0\"></span>kt der <span class=\"_ _0\"></span>erstmaligen Erfassung und<span class=\"_ _0\"></span> dem jeweils<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">aktuellen Kreditrisiko zum Bewertu<span class=\"_ _0\"></span>ngsstichtag, entweder in Stufe 1, Stu<span class=\"_ _0\"></span>fe 2, oder Stufe 3 <span class=\"_ _0\"></span>zugeteilt:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x32 ha y1d7 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 1 enth\u00e4lt<span class=\"_ _0\"></span> grunds\u00e4tzlich neu zugegangenen Finanzinstrumente so<span class=\"_ _0\"></span>wie jene, f\u00fcr die kein signifikanter Risikoan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y4e9 ff4 fs2 fc2 sc0 ls0 ws0\">stieg seit dem erstmaligen Ansatz festgestellt w<span class=\"_ _0\"></span>urde. Weiters werden alle Finanzinst<span class=\"_ _0\"></span>rumente, die zum Bilanzie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y4ea ff4 fs2 fc2 sc0 ls0 ws0\">rungsstichtag ein abso<span class=\"_ _0\"></span>lut definiertes geringes Kreditrisiko (Ratingklassen AA b<span class=\"_ _0\"></span>is 1b) aufweisen, als Ausnahme vom<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y4eb ff4 fs2 fc2 sc0 ls0 ws0\">relativen Ansatz immer der Stu<span class=\"_ _0\"></span>fe 1 zugeordnet (IFRS 9.5.5.10). Diese Logik wird nu<span class=\"_ _0\"></span>r auf das Low<span class=\"_ _0\"></span>-Default-Portfolio<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y4ec ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr die Segmente Staaten und Banken a<span class=\"_ _0\"></span>ngewandt. Die Low<span class=\"_ _0\"></span> Credit Risk Exempt<span class=\"_ _0\"></span>ion trifft somit auf ein Portfolio zu,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y1dc ff9 fs2 fc2 sc0 ls0 ws0\">das man gemeinhin als \u201eIn<span class=\"_ _0\"></span>vestment Grade\u201c bezeichnen w\u00fcrde (mittlere PD d<span class=\"_ _0\"></span>er Ratingklasse entspricht S&amp;P<span class=\"_ _1\"></span><span class=\"ff4\">-\u00e4quiva-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x67 h5 y4ed ff4 fs2 fc2 sc0 ls0 ws0\">lenten Ratings bis BBB-<span class=\"lsb\">).</span> </div><div class=\"t m0 x67 h5 y4ee ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x32 ha y4ef ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 2 enth\u00e4lt<span class=\"_ _0\"></span> Instrumente, f\u00fcr die eine signifikante Erh\u00f6<span class=\"_ _0\"></span>hung des Kreditrisikos s<span class=\"_ _0\"></span>eit dem erstmaligen Ansatz statt-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y4f0 ff4 fs2 fc2 sc0 ls0 ws0\">gefunden hat.  </div><div class=\"t m0 x67 h5 y4f1 ff4 fs2 fc2 sc0 ls0 ws0\">Bei Leasingkontrakten w<span class=\"_ _0\"></span>ird ein IFRS 9 Wahlrecht ausge\u00fcbt und diese Gesch\u00e4fte werd<span class=\"_ _0\"></span>en daher immer Stufe 2 zuge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y4f2 ff4 fs2 fc2 sc0 ls0 ws0\">ordnet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y4f3 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x32 ha y3d6 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 3 wird dem Non-Perfo<span class=\"_ _0\"></span>rming Portfolio zugeordnet. B<span class=\"_ _0\"></span>efindet sich ein Kreditnehmer im Ausfall (intern<span class=\"_ _0\"></span>e Rating-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y4f4 ff4 fs2 fc2 sc0 ls0 ws0\">stufen 5a, 5b oder 5c), w<span class=\"_ _0\"></span>ird der Kredit Stufe 3 zugewiesen. Die Oberbank AG wendet<span class=\"_ _0\"></span> f\u00fcr alle Forderungsklassen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y4f5 ff4 fs2 fc2 sc0 ls0 ws0\">und Risikomodelle einheitlich und<span class=\"_ _0\"></span> konsistent die Ausfallsdefinition gem\u00e4\u00df Artikel 178 der Vero<span class=\"_ _0\"></span>rdnung (E<span class=\"_ _0\"></span>U) Nr<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y4f6 ff4 fs2 fc2 sc0 ls0 ws0\">575/2013 (CRR) an. Diese basiert a<span class=\"_ _0\"></span>uf dem 90-Tage-Verzug bzw. einer w<span class=\"_ _0\"></span>ahrscheinlichen Uneinbringlichkeit einer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y4f7 ff4 fs2 fc2 sc0 ls0 ws0\">Forderung.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y72 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y73 ff4 fs2 fc2 sc0 ls0 ws0\">Die Ausnahme von d<span class=\"_ _0\"></span>em Dreistufenansatz sind Verm\u00f6genswerte, die bereits bei Zugan<span class=\"_ _0\"></span>g wertgemindert sind (sogenannte<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y74 ff9 fs2 fc2 sc0 ls0 ws0\">\u201ePOCI\u201c <span class=\"ff4\">- Assets). Diese bilden g<span class=\"_ _0\"></span>em\u00e4\u00df IFRS 9 Vorgaben eine eigene Kat<span class=\"_ _0\"></span>egorie.<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y75 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4f8 ff5 fs2 fc2 sc0 ls0 ws0\">Segmentierung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4f9 ff4 fs2 fc2 sc0 ls0 ws0\">Das Kreditportfolio der Ob<span class=\"_ _0\"></span>erbank wird im Wertberichtigungsmodell nach IFRS 9 in die folgenden<span class=\"_ _0\"></span> f\u00fcnf Segmente untert<span class=\"_ _0\"></span>eilt:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4fa ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign, Banken, Corpor<span class=\"_ _0\"></span>ates, SME sowie Retail. Der Hintergrund der Segmentierung liegt in der Zu<span class=\"_ _0\"></span>grundelegung unter-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4fb ff4 fs2 fc2 sc0 ls0 ws0\">schiedlicher Sch\u00e4tzungen d<span class=\"_ _0\"></span>er relevanten Kreditrisikop<span class=\"_ _0\"></span>arameter. Die Unterteilung in die einzelnen Segmente find<span class=\"_ _0\"></span>et dabei auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4fc ff4 fs2 fc2 sc0 ls0 ws0\">Basis der gew\u00e4hlten R<span class=\"_ _0\"></span>atingverfahren statt.  </div><div class=\"t m0 x3 h5 y4fd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y4fe ff4 fs2 fc2 sc0 ls0 ws0\">Das Gesamteinstufungskon<span class=\"_ _0\"></span>zept der Oberbank basiert auf qualitativen, quant<span class=\"_ _0\"></span>itativen und Backstop<span class=\"_ _1\"></span>-Kriterien.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y338 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4ff ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen f\u00fcr Stufe 1 und 2 <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y500 ff4 fs2 fc2 sc0 ls0 ws0\">Nach IFRS 9 werden Wertberichtigungen a<span class=\"_ _0\"></span>uf einer der nachstehenden Grundlagen b<span class=\"_ _0\"></span>ewertet:<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y501 ff4 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-Monats<span class=\"_ _0\"></span>-Kreditausf\u00e4lle: Die Bildung der Risikovorsorge erfolgt in H\u00f6h<span class=\"_ _0\"></span>e des 12<span class=\"_ _0\"></span>-Monats-Kreditverlusts und die Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y502 ff4 fs2 fc2 sc0 ls0 ws0\">des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobuchwerts unter Anwendung d<span class=\"_ _0\"></span>er Effektivzinssatzmethode (f\u00fcr Stu<span class=\"_ _0\"></span>fe 1 Instru-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y503 ff4 fs2 fc2 sc0 ls0 ws0\">mente)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y504 ff4 fs2 fc2 sc0 ls0 ws0\">Ausfallbetrachtun<span class=\"_ _0\"></span>g \u00fcber die Gesamtlaufzeit des Kredits: Hierbei handelt es sich um erw<span class=\"_ _0\"></span>artete Kreditausf\u00e4lle aufgrund aller<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y505 ff4 fs2 fc2 sc0 ls0 ws0\">m\u00f6glichen Ausfallereignisse w\u00e4<span class=\"_ _0\"></span>hrend der erwarteten Laufzeit eines Finanzinst<span class=\"_ _0\"></span>ruments. Die Bildung d<span class=\"_ _0\"></span>er Risikovorsorge er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y506 ff4 fs2 fc2 sc0 ls0 ws0\">folgt in H\u00f6he der erwart<span class=\"_ _0\"></span>eten Verluste bezogen auf die Restlaufzeit des Finanzinstru<span class=\"_ _0\"></span>ments (Life<span class=\"_ _0\"></span>-time-ECL) und die Berech-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y507 ff4 fs2 fc2 sc0 ls0 ws0\">nung des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobu<span class=\"_ _0\"></span>chwerts unter Anwendung der Effektivzin<span class=\"_ _0\"></span>smethode (f\u00fcr Instrumente der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y508 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 2)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y509 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y50a ff4 fs2 fc2 sc0 ls0 ws0\">Quantitative Kriterien f\u00fcr einen Stufent<span class=\"_ _0\"></span>ransfer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y50b ff4 fs2 fc2 sc0 ls0 ws0\">Die Beurteilung der signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung des Kreditrisikos stellt eine zentrale Stellschraube des 3<span class=\"_ _1\"></span>-Stufen-Modells in d<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y50c ff4 fs2 fc2 sc0 ls0 ws0\">Wertminderungsvorschrift<span class=\"_ _0\"></span>en des IFRS 9 dar, da bei einer signifikanten Erh<span class=\"_ _0\"></span>\u00f6hung des Kreditrisikos die Wertminderung \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y50d ff4 fs2 fc2 sc0 ls0 ws0\">die Gesamtlaufzeit des Finanzinst<span class=\"_ _0\"></span>ruments (Lifetime ECL) zu erfassen ist<span class=\"_ _0\"></span>.  </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">52<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Das wesentliche Merkmal f\u00fcr<span class=\"_ _0\"></span> die Bestimmung des Kreditri<span class=\"_ _0\"></span>sikos eines Finanzinstru<span class=\"_ _0\"></span>ments ist dabei das interne Rating des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Schuldners. Bei der Er<span class=\"_ _0\"></span>stellung des Ratings werden f\u00fcr das Corporate Portfolio auch E<span class=\"_ _0\"></span>SG<span class=\"_ _0\"></span>-Risiken ber\u00fccksicht<span class=\"_ _0\"></span>igt. Hinter dem<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Rating des Schuldn<span class=\"_ _0\"></span>ers steht dabei immer eine Ausfallsrate je Ratingklas<span class=\"_ _0\"></span>se. Diese leitet sich f\u00fcr d<span class=\"_ _0\"></span>ie Low-Default<span class=\"_ _0\"></span>-Portfolios<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">(Staaten und Banken) au<span class=\"_ _0\"></span>s der bankinternen Masterskala ab<span class=\"_ _0\"></span>. F\u00fcr die wesentlichen Kundensegmente Corp<span class=\"_ _0\"></span>orates, Retail und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">SME leiten sich diese aus den<span class=\"_ _0\"></span> realisierten Ausfallraten der jeweiligen Migration<span class=\"_ _0\"></span>smatri<span class=\"_ _0\"></span>zen ab. Dieses bildet die Basis f\u00fcr d<span class=\"_ _0\"></span>ie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Beurteilung, ob und wan<span class=\"_ _0\"></span>n ein signifikanter Anstieg des Kreditrisikos stattgefund<span class=\"_ _0\"></span>en hat. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Das quantitative Transferkr<span class=\"_ _0\"></span>iterium in der Oberbank AG basiert auf einer Analyse der kumulierten Ausfallsw<span class=\"_ _0\"></span>ahrscheinlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">ten <span class=\"lsb\">(L</span>ifetime PDs). Die folgenden<span class=\"_ _0\"></span> Variablen beeinflussen die Ermittlu<span class=\"_ _0\"></span>ng einer relativen PD<span class=\"_ _0\"></span>-Verschlechterung:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha y1dc ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Kundensegment;<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y50f ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rating bei Zugang d<span class=\"_ _0\"></span>es Finanzinstruments;<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y187 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Restlaufzeit (Vergleich zwischen Bilanzst<span class=\"_ _0\"></span>ichtag und Vertragsende);<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y510 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Alter des Finanzinstruments (Vergleich zwischen Zu<span class=\"_ _0\"></span>gangsdatum und<span class=\"_ _0\"></span> Bilanzstichtag).<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 h5 y511 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y512 ff4 fs2 fc2 sc0 ls0 ws0\">Zur \u00dcberpr\u00fcfung der Signifikanz einer Kredit<span class=\"_ _0\"></span>risikoerh\u00f6hung dient dabei ein Vergleich der Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeit zum<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y513 ff4 fs2 fc2 sc0 ls0 ws0\">erstmaligen Bilanzansatz mit d<span class=\"_ _0\"></span>er Ausfallswahrscheinlichkeit zum Bewertungsstichtag <span class=\"_ _0\"></span>(IFRS 9.5.5.9). Dab<span class=\"_ _0\"></span>ei ist die Lifetime PD<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y514 ff4 fs2 fc2 sc0 ls0 ws0\">der aktuellen Ratingeinstufung \u00fcber d<span class=\"_ _0\"></span>ie verbleibende Restlaufzeit heranzuziehen. D<span class=\"_ _0\"></span>ies erfolgt mittels eines Vergleichs der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y515 ff4 fs2 fc2 sc0 ls0 ws0\">Lifetime PD im aktuellen Ratingstad<span class=\"_ _0\"></span>ium \u00fcber die noch verbleibende Restlaufzeit mit d<span class=\"_ _0\"></span>er Forw<span class=\"_ _0\"></span>ard Lifetime PD im Ratin<span class=\"_ _0\"></span>gsta-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3d7 ff4 fs2 fc2 sc0 ls0 ws0\">dium bei Zugang \u00fcber ebend<span class=\"_ _0\"></span>iese Laufzeit.  </div><div class=\"t m0 x3 h5 y2e6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3d8 ff4 fs2 fc2 sc0 ls0 ws0\">Das Kriterium der Zuordnun<span class=\"_ _0\"></span>g zu Stufe 1 und 2 basiert damit haupts\u00e4chlich auf einem relativen Kr<span class=\"_ _0\"></span>iterium und nicht auf der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3d9 ff4 fs2 fc2 sc0 ls0 ws0\">absoluten Kreditrisikoeinsch\u00e4t<span class=\"_ _0\"></span>zung zu jedem Beurteilungszeitpunk<span class=\"_ _0\"></span>t (IFRS 9.B5.5.9). <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y516 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3db ff4 fs2 fc2 sc0 ls0 ws0\">Als Backstop und aufgrund<span class=\"_ _0\"></span> der Analyse des relativen Transferkriteriums wurde unabh\u00e4n<span class=\"_ _0\"></span>gig von der Struktur der Migrations-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3dc ff4 fs2 fc2 sc0 ls0 ws0\">matrix entschieden, d<span class=\"_ _0\"></span>ass ein Stufentransfer jedenfalls dann ausgel\u00f6st werden mu<span class=\"_ _0\"></span>ss, wenn sich der Kredit seit Zugang <span class=\"_ _1\"></span>um<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3dd ff4 fs2 fc2 sc0 ls0 ws0\">mindestens drei Ratingstu<span class=\"_ _0\"></span>fen verschoben hat. Bei sehr langen Restlaufzeiten und<span class=\"_ _0\"></span> sehr guten Ratings kann es aufgrund des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3de ff9 fs2 fc2 sc0 ls0 ws0\">\u201eDrifts zur Mitte\u201c bei der marginalen P<span class=\"_ _0\"></span>D dazu kommen, dass selbst b<span class=\"_ _0\"></span>ei Downgrades von mehreren Ratingstufen d<span class=\"_ _0\"></span>as relative<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y517 ff4 fs2 fc2 sc0 ls0 ws0\">Transferkriterium an<span class=\"_ _0\"></span>sonsten nicht erreicht wird.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3e1 ff4 fs2 fc2 sc0 ls0 ws0\">Ein R\u00fccktransfer in eine b<span class=\"_ _0\"></span>essere Stufe wird dann vorgenommen, wenn die Krit<span class=\"_ _0\"></span>erien, die zu einer Abstufung gef\u00fchrt haben<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e2 ff4 fs2 fc2 sc0 ls0 ws0\">nicht mehr zutreffen. Auf<span class=\"_ _0\"></span>- und Abstufungen w<span class=\"_ _0\"></span>erden somit symmetrisch behand<span class=\"_ _0\"></span>elt. Ein R\u00fccktransfer au<span class=\"_ _0\"></span>s Stage 2 erfolgt bei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3e3 ff4 fs2 fc2 sc0 ls0 ws0\">spielsweise, sobald keine signifikant<span class=\"_ _0\"></span>e Erh\u00f6hung des Ausfallrisikos mehr vorliegt. Ma\u00dfstab ist<span class=\"_ _0\"></span> wiederum der Vergleich des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y518 ff4 fs2 fc2 sc0 ls0 ws0\">Ausfallrisikos bei Zugan<span class=\"_ _0\"></span>g mit dem Ausfallrisiko zum betreffenden Bilanzsticht<span class=\"_ _0\"></span>ag.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y3e5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3e6 ff4 fs2 fc2 sc0 ls0 ws0\">Das Wertberichtigungsmod<span class=\"_ _0\"></span>ell der Oberbank AG bezieht sich sowohl in<span class=\"_ _0\"></span> der Berechnung der Risikovorsorge als auch in der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e7 ff4 fs2 fc2 sc0 ls0 ws0\">Beurteilung des Stu<span class=\"_ _0\"></span>fentransfers immer auf das Einzelgesch\u00e4ft. Dies bedeutet, dass d<span class=\"_ _0\"></span>ie relevanten Kreditrisikoparameter PD<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y519 ff4 fs2 fc2 sc0 ls0 ws0\">(Ausfallswahrscheinlichkeit), LGD <span class=\"_ _0\"></span>(Verlust bei Ausfall) sow<span class=\"_ _0\"></span>ie EAD (Obligo bei Ausfall) sich immer a<span class=\"_ _0\"></span>uf einen einzelnen Kredit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y51a ff4 fs2 fc2 sc0 ls0 ws0\">nehmer beziehen und<span class=\"_ _0\"></span> sich von einem einzelnen Gesch\u00e4ft ableiten.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h6 y51b ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y51c ff4 fs2 fc2 sc0 ls0 ws0\">Qualitative Kriterien f\u00fcr einen Stufentran<span class=\"_ _0\"></span>sfer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y33f ff4 fs2 fc2 sc0 ls0 ws0\">Ein Finanzinstrument mit Nachsicht (<span class=\"_ _0\"></span>Forbearance) wird in<span class=\"_ _0\"></span> jedem Fall der Stufe 2 zugewiesen, sofern sich die Forderung n<span class=\"_ _0\"></span>icht<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y51d ff4 fs2 fc2 sc0 ls0 ws0\">ohnehin schon im Au<span class=\"_ _0\"></span>sfall befindet. W\u00e4hrend der gesamten Bew\u00e4h<span class=\"_ _0\"></span>rungsphase wird somit f\u00fcr diese Forderun<span class=\"_ _0\"></span>gen ein Lifetime<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y51e ff4 fs2 fc2 sc0 ls0 ws0\">Expected Loss angesetzt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y51f ff4 fs2 fc2 sc0 ls0 ws0\">Die widerlegbare Vermutun<span class=\"_ _0\"></span>g bei einer 30-t\u00e4gigen \u00dcberf\u00e4lligkeit<span class=\"_ _0\"></span> f\u00fchrt als qualitatives Kriterium zu einem Stufent<span class=\"_ _0\"></span>ransfer (IFRS<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y520 ff4 fs2 fc2 sc0 ls0 ws0\">9.5.5.11). Das bedeutet<span class=\"_ _0\"></span>, dass Instrumente sp\u00e4testens dann d<span class=\"_ _0\"></span>er Stufe 2 zuzuweisen sind, sobald der Zah<span class=\"_ _0\"></span>lungsverzug von Kapi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h6 y521 ff4 fs2 fc2 sc0 ls0 ws0\">tal und/oder Zinszah<span class=\"_ _0\"></span>lungen 30 Tage \u00fcbersteigt. <span class=\"ff5\"> </span></div><div class=\"t m0 x3 h6 ye3 ff5 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">53<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Ebenso werden Fremdw<span class=\"_ _0\"></span>\u00e4hrungskredite mit w\u00e4hrungsinkongruentem Einkommen und Kr<span class=\"_ _0\"></span>edite mit Tilgungstr\u00e4gern im Le-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">bendgesch\u00e4ft in jedem Fall der St<span class=\"_ _0\"></span>ufe 2 zugewiesen. Durch W\u00e4hrun<span class=\"_ _0\"></span>gsschwankungen sowie Schwankungen in<span class=\"_ _0\"></span> den Sicherhei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">tenwerten bei Tilgun<span class=\"_ _0\"></span>gstr\u00e4gern ist mit h\u00f6heren Risiken der Schuldenbed<span class=\"_ _0\"></span>ienbarkeit zu rechnen als bei konvent<span class=\"_ _0\"></span>ionellen Kredit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">best\u00e4nden.  </div><div class=\"t m0 x3 h6 y63 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Neben den modellimmanenten qu<span class=\"_ _0\"></span>alitativen Faktoren f\u00fcr einen Stufentr<span class=\"_ _0\"></span>ansfer wendet die Oberbank AG aufgrund<span class=\"_ _0\"></span> der anhal-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">tenden Energiekrise, hoh<span class=\"_ _0\"></span>en Inflation und<span class=\"_ _0\"></span> steigenden Zinsen als Folge des Ukraine<span class=\"_ _0\"></span>-Krieges per 31.12.2022 auch einen kol-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">lektiven Stufentransfer in die Stufe 2 f\u00fcr gew<span class=\"_ _0\"></span>isse Teilportfolios an.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Grund daf\u00fcr sind die hohen En<span class=\"_ _0\"></span>ergiepreise bei Gas, welche sich zwar k\u00fcrzlich an<span class=\"_ _0\"></span> den Energiem\u00e4rk<span class=\"_ _0\"></span>ten a<span class=\"_ _0\"></span>ufgrund hoher Lager-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">st\u00e4nde entspannt<span class=\"_ _0\"></span> haben, jedoch f\u00fcr den Endkunden noch hoch sind<span class=\"_ _0\"></span>. Dar\u00fcber hinaus k\u00f6nnen eine neuerliche starke Verteue-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">rung bzw. ein g\u00e4nzlicher Gasstop n<span class=\"_ _0\"></span>icht ausgeschlossen, sowie die Folgen f\u00fcr, vo<span class=\"_ _0\"></span>n Gas abh\u00e4ngigen Kunden, unter einem<span class=\"_ _1\"></span> welt-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">weiten Konjunkturabschw<span class=\"_ _0\"></span>ung, nur schwer abgesch\u00e4tzt werden.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Ein weiter Grund sind der starke Zinsanst<span class=\"_ _0\"></span>ieg, sowie die derzeit vorherrschende hohe Inflat<span class=\"_ _0\"></span>ion. Insbesondere kann es dadurch<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">im Bereich der Immobilienprojektfinan<span class=\"_ _0\"></span>zierungen mit gewerblichen Hyp<span class=\"_ _0\"></span>othekarsicherh<span class=\"_ _0\"></span>eiten zu Verz\u00f6gerungen beim Projekt-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">fortschritt kommen und<span class=\"_ _0\"></span> es besteht die Gefahr, dass die gestiegenen Einkaufspreise bzw. Gest<span class=\"_ _0\"></span>ehungskosten nicht weiterver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">rechnet werden k\u00f6nnen. Folglich k\u00f6<span class=\"_ _0\"></span>nnen hohe Risiken bei der R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit bei Kr<span class=\"_ _0\"></span>editen entstehen, da sich die Bau-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">wirtschaft seit dem 2.Quartal 2022 in einer Schw<span class=\"_ _0\"></span>\u00e4chephase befindet<span class=\"_ _0\"></span> und die hohen Baukosten die Nachfrage un<span class=\"_ _0\"></span>d Investitio-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">nen in Bauprojekt<span class=\"_ _0\"></span>e d\u00e4mpfen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Vor diesem Hintergrund ers<span class=\"_ _0\"></span>cheint es bei folgenden Portfolios der Segmente C<span class=\"_ _0\"></span>orpor<span class=\"_ _0\"></span>ates und SME notwendig, die erwartete<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung des Kreditrisikos vor\u00fcbergehend<span class=\"_ _0\"></span> \u00fcber den kollektiven Stufentransfer anzuw<span class=\"_ _0\"></span>enden:<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x32 ha y522 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer portfolio\u00fcbergreifenden E<span class=\"_ _0\"></span>inzelanalyse eine Gasabh\u00e4ngig-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y309 ff4 fs2 fc2 sc0 ls0 ws0\">keit festgestellt werden konnt<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x32 ha y523 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten.<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x3 h5 y524 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y525 ff4 fs2 fc2 sc0 ls0 ws0\">Der Zeitpunkt des Wegfalls bzw. einer Redu<span class=\"_ _0\"></span>ktion des kollektiven Stu<span class=\"_ _0\"></span>fentransfers h\u00e4ngt in erster Linie von der weiteren Pr<span class=\"_ _0\"></span>eis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y526 ff4 fs2 fc2 sc0 ls0 ws0\">entwicklung b<span class=\"_ _0\"></span>ei Rohstoffen, dem Abflauen des In<span class=\"_ _0\"></span>flationsdrucks sowie der Entwicklung der Verbraucherpreise ab. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y527 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y528 ff4 fs2 fc2 sc0 ls0 ws0\">Wegfall Covid 19 Staging<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y529 ff4 fs2 fc2 sc0 ls0 ws0\">Auf Grund des Abflau<span class=\"_ _0\"></span>ens der Covid 19 Pandemie und des Wegfalls der Einschr\u00e4nku<span class=\"_ _0\"></span>ngen wurde das damit verbundene kol-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y52a ff4 fs2 fc2 sc0 ls0 ws0\">lektive Stufentra<span class=\"_ _0\"></span>nsfer beendet. Details k\u00f6nn<span class=\"_ _0\"></span>en der Note 2.2 entnommen werden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y52b ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y52c ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen f\u00fcr Stufe 3 (No<span class=\"_ _0\"></span>n-Performing Loans)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y52d ff4 fs2 fc2 sc0 ls0 ws0\">Non-Performing Loan<span class=\"_ _0\"></span>s werden der Stufe 3 zugeordn<span class=\"_ _0\"></span>et. Die Bildung einer Risikovorsorge erfolgt kon<span class=\"_ _0\"></span>zernweit in H\u00f6he der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y52e ff4 fs2 fc2 sc0 ls0 ws0\">erwarteten Verluste, wenn zu<span class=\"_ _0\"></span> bef\u00fcrchten ist, dass die KundInnen ihren Kreditverpflichtungen nicht im v<span class=\"_ _0\"></span>ollen Umfang nach-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3a7 ff4 fs2 fc2 sc0 ls0 ws0\">kommen. F\u00fcr notleidende Kredit<span class=\"_ _0\"></span>e erfolgt d<span class=\"_ _0\"></span>ie Risikovorsorgen-Bildun<span class=\"_ _0\"></span>g gem\u00e4\u00df IFRS 9 5.5 mittels der D<span class=\"_ _0\"></span>iscounted Cash<span class=\"_ _0\"></span>-Flow<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y52f ff4 fs2 fc2 sc0 ls0 ws0\">Methode in H\u00f6he des erw<span class=\"_ _0\"></span>arteten Verlustes bezogen auf die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-Expected C<span class=\"_ _0\"></span>redit Loss (E<span class=\"_ _0\"></span>CL)) und Berech-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y530 ff4 fs2 fc2 sc0 ls0 ws0\">nung des Zinsertrags auf Basis des Netto<span class=\"_ _0\"></span>buchwertes unter Anw<span class=\"_ _0\"></span>endung der E<span class=\"_ _0\"></span>ffektivzinssatzmethode. F\u00fcr a<span class=\"_ _0\"></span>lle nicht bedeutsa-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y414 ff4 fs2 fc2 sc0 ls0 ws0\">men notleidenden Kr<span class=\"_ _0\"></span>edite wird mittels eines Expertenverfahrens f\u00fcr die Unterdeckung eine Risikovor<span class=\"_ _0\"></span>sorge errechnet. Diese<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y531 ff4 fs2 fc2 sc0 ls0 ws0\">betr\u00e4gt f\u00fcr bereits gek\u00fcndigte Kredite, bei den<span class=\"_ _0\"></span>en die Sicherheiten verwertet<span class=\"_ _0\"></span> w<span class=\"_ _0\"></span>erden, 100% der Unterdeckung.  </div><div class=\"t m0 x3 h5 y532 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr den Rest werden abh<span class=\"_ _0\"></span>\u00e4ngig von Ausfallsgrund und Ausfallsstat<span class=\"_ _0\"></span>us zwischen 20% und 100% der Unterd<span class=\"_ _0\"></span>eckung als Risiko-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y533 ff4 fs2 fc2 sc0 ls0 ws0\">vorsorge angesetzt.  <span class=\"_ _7\"> </span> </div></div>Konzernabschlu<span class=\"_ _0\"></span>ss 54<span class=\"ls0\"> </span>Direktabschreibung von Non-P<span class=\"_ _0\"></span>erforming Loans  Wenn ein Ereignis eintritt, welches die E<span class=\"_ _0\"></span>inbringlichmachung eines Teiles eines Obligos oder ei<span class=\"_ _0\"></span>nes Gesamtobligos un<span class=\"_ _0\"></span>m\u00f6glich<span class=\"_ _128\"> </span> macht, und keine oder kein<span class=\"_ _0\"></span>e ausreichende Risikovorsorge vorhanden<span class=\"_ _0\"></span> ist, wird der uneinbringliche Saldo direkt gegen die<span class=\"_ _128\"> </span> GuV ausgebucht (D<span class=\"_ _0\"></span>irektabschreibung). Solche Ereignisse k<span class=\"_ _0\"></span>\u00f6nnen u.a. sein:  -<span class=\"_ _18\"> </span><span class=\"ff4\">Ausbuchung d<span class=\"_ _0\"></span>es Restsaldos nach Abweisung oder Abschluss <span class=\"_ _0\"></span>eines Insolvenzverfahrens und / oder nach Verwertung<span class=\"_ _128\"> </span></span>aller zur Verf\u00fcgung stehender Sicherheiten;<span class=\"_ _128\"> </span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Nachlassabhandlu<span class=\"_ _0\"></span>ng ohne Verm\u00f6gen und Sicherheiten;<span class=\"_ _128\"> </span></span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Umschuldun<span class=\"_ _0\"></span>g mit Gew\u00e4hrung eines Nachlasses (Vergleichsverein<span class=\"_ _0\"></span>barung).<span class=\"_ _128\"> </span></span>ECL Berechnung<span class=\"_ _128\"> </span> In der Oberbank AG <span class=\"_ _0\"></span>gilt das Wertminderungsmodell nach IFRS 9 f\u00fcr folgende An<span class=\"_ _0\"></span>wendungsbereiche:<span class=\"_ _0\"></span> \u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">finanzielle Verm\u00f6genswerte, die zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten oder erfolgsneu<span class=\"_ _0\"></span>tral zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _128\"> </span></span>bewertet werden,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Leasingforderungen,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">unwiderrufliche Kreditzusa<span class=\"_ _0\"></span>gen und Finanzgarantien.<span class=\"_ _128\"> </span></span>Der Expected Credit Lo<span class=\"_ _0\"></span>ss ist in der Oberbank AG eine wahrscheinlichkeitsgewichtete Sch\u00e4tzun<span class=\"_ _0\"></span>g des Verlusts \u00fcber die ersten<span class=\"_ _128\"> </span> zw\u00f6lf Monate (Stufe 1)<span class=\"_ _0\"></span> oder \u00fcber die erwartete Restlaufzeit des Finan<span class=\"_ _0\"></span>zinstruments (Stufe 2). Er ist<span class=\"_ _0\"></span> sozusagen der Barwert<span class=\"_ _128\"> </span> der Differenz aus vertraglich vereinbarten<span class=\"_ _0\"></span> Cashflows und erwarteten Cas<span class=\"_ _0\"></span>hflows. Die Berechnung des erwarteten Verlu<span class=\"_ _0\"></span>sts<span class=\"_ _128\"> </span> beinhaltet dabei<span class=\"_ _128\"> </span> \u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">einen erwartungsgetreu<span class=\"_ _0\"></span>en und wahrscheinlichkeitsgewichteten Betrag, <span class=\"_ _0\"></span>der durch Betrachtung m\u00f6glicher Szenarien be-<span class=\"_ _128\"> </span></span>stimmt wird,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">den Zeitwert des Geldes,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Informationen \u00fcber vergan<span class=\"_ _0\"></span>gene Ereignisse, aktuelle Bedingungen und Prognosen k\u00fcn<span class=\"_ _0\"></span>ftiger wirtschaftlicher <span class=\"_ _0\"></span>Bedingun<span class=\"_ _0\"></span>gen.<span class=\"_ _128\"> </span></span>De<span class=\"ws1\">r <span class=\"ws2\">maximale <span class=\"ws3\">Ze</span></span></span>itrau<span class=\"ws4\">m, </span>f\u00fc<span class=\"ws1\">r <span class=\"ws2\">d</span></span>e<span class=\"ws5\">n <span class=\"ws6\">d</span></span>e<span class=\"ws7\">r <span class=\"ws2\">E</span></span>xpecte<span class=\"ws8\">d <span class=\"ws6\">Cr</span></span>edi<span class=\"ws6\">t Lo<span class=\"ws2\">ss </span></span>bestim<span class=\"ws9\">mt <span class=\"ws2\">w</span></span>ird<span class=\"wsa\">, <span class=\"wsb\">is<span class=\"wsc\">t <span class=\"ws6\">d</span></span></span></span>abei d<span class=\"wsd\">ie <span class=\"wse\">V</span></span>ertragslaufzeit<span class=\"wsf\">, <span class=\"wsb\">\u00fc</span></span>be<span class=\"ws7\">r <span class=\"ws2\">d</span></span>e<span class=\"ws10\">n <span class=\"wse\">d</span></span>ie<span class=\"_ _128\"> </span> Oberbank A<span class=\"ws11\">G </span>einem Kreditr<span class=\"ws12\">isiko </span>au<span class=\"wsb\">s </span>dem Finan<span class=\"_ _0\"></span>zinstrumen<span class=\"ws13\">t <span class=\"ws6\">a</span></span>usgeset<span class=\"ws11\">zt ist<span class=\"wsb\">. </span></span>Nu<span class=\"ws14\">r <span class=\"ws2\">b</span></span>ei revolvierende<span class=\"ws8\">n <span class=\"ws6\">Kr</span></span>edite<span class=\"ws15\">n </span>wir<span class=\"ws15\">d </span>de<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>ar-<span class=\"_ _128\"> </span>tet<span class=\"ws15\">e <span class=\"ws3\">Kr</span></span>editverlus<span class=\"wsc\">t <span class=\"ws6\">f\u00fc<span class=\"ws1\">r <span class=\"ws2\">ei</span></span></span></span>ne<span class=\"ws5\">n <span class=\"ws6\">Ze</span></span>itraum b<span class=\"_ _0\"></span>estimmt<span class=\"ws16\">, </span>de<span class=\"ws1\">r <span class=\"ws2\">u</span></span>nte<span class=\"ws17\">r </span>Umst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"ws8\">n <span class=\"ws6\">l\u00e4</span></span>nge<span class=\"ws7\">r <span class=\"ws2\">a</span></span>ls d<span class=\"wsd\">ie <span class=\"wse\">v</span></span>ertraglich<span class=\"ws15\">e <span class=\"ws3\">Lau</span></span>fze<span class=\"ws18\">it <span class=\"ws2\">ist<span class=\"ws19\">. </span></span></span>De<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>artete<span class=\"_ _128\"> </span> Verlust <span class=\"ws1a\">setzt <span class=\"ws1b\">sich <span class=\"ws1c\">aus <span class=\"ws0\">drei Komponenten <span class=\"ws6\">zusammen:<span class=\"_ _128\"> </span></span></span></span></span></span><span class=\"ws1a\"><span class=\"ws1b\"><span class=\"ws1c\"><span class=\"ws0\"><span class=\"ws6\"> </span></span></span></span></span>ECL = PD x LGD x EAD<span class=\"_ _128\"> </span>(PD: Ausfallswahrscheinlichkeit; LGD: Los<span class=\"wsb\">s </span>give<span class=\"ws1d\">n <span class=\"ws6\">D</span></span>efault/<span class=\"_ _0\"></span>Verlus<span class=\"wsc\">t <span class=\"ws6\">b</span></span>ei Ausfall in <span class=\"ws1b\">% <span class=\"ws6\">d</span></span>e<span class=\"wsb\">s </span>EA<span class=\"ws1e\">D <span class=\"ws2\">a</span></span>usgegeben; EAD: Exposur<span class=\"ws1f\">e <span class=\"ws3\">a</span></span>t<span class=\"_ _128\"> </span> Default/Offene<span class=\"ws1\">r <span class=\"ws2\">Bet</span></span>rag im Zeitpun<span class=\"_ _0\"></span>k<span class=\"ws6\">t d</span>e<span class=\"wsb\">s </span>Ausfalls de<span class=\"wsb\">s </span>Kredits)<span class=\"_ _128\"> </span> Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6genswert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St</span></span></span>u<span class=\"ws21\">fe <span class=\"wsb\">2 </span></span>u<span class=\"_ _0\"></span>n<span class=\"ws5\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>d<span class=\"ws22\">amit <span class=\"ws2\">ei</span></span>nhergeh<span class=\"_ _0\"></span>ende<span class=\"ws5\">n <span class=\"ws6\">Ber</span></span>echnung de<span class=\"wsb\">s </span>Lifetim<span class=\"ws23\">e <span class=\"ws3\">E</span></span>xpecte<span class=\"ws5\">d <span class=\"ws6\">Cr</span></span>e-<span class=\"_ _128\"> </span>d<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>entsprich<span class=\"ws13\">t <span class=\"ws6\">d</span></span>ie<span class=\"wsb\">s </span>de<span class=\"ws24\">r <span class=\"ws2\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">d</span></span>e<span class=\"wsb\">s </span>Kontrakt<span class=\"ws25\">s. </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6gensw<span class=\"_ _0\"></span>ert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St<span class=\"ws26\">age </span></span></span>1 </span>(12<span class=\"_ _0\"></span>-Monat<span class=\"_ _0\"></span>s-ECL)<span class=\"_ _128\"> </span> wir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span>fze<span class=\"ws25\">it <span class=\"ws22\">mit <span class=\"ws2\">ei</span></span></span>nem Jah<span class=\"ws1\">r <span class=\"ws2\">b</span></span>eschr\u00e4n<span class=\"_ _0\"></span>kt<span class=\"wsb\">. </span>Lie<span class=\"ws28\">gt <span class=\"ws11\">d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span></span></span>fze<span class=\"ws18\">it <span class=\"ws2\">u</span></span>nte<span class=\"ws1\">r <span class=\"ws2\">ei</span></span>nem Jahr<span class=\"wsf\">, <span class=\"wsb\">s<span class=\"ws1e\">o <span class=\"ws2\">w<span class=\"_ _0\"></span></span></span></span></span>ir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">t</span></span>ats\u00e4chlich<span class=\"ws1f\">e <span class=\"ws3\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">f\u00fc<span class=\"ws1\">r </span>d<span class=\"_ _0\"></span></span></span>ie<span class=\"_ _128\"> </span> Berechnung heran<span class=\"_ _0\"></span>gezogen<span class=\"ws19\">. </span>De<span class=\"ws17\">r <span class=\"wsd\">E</span></span>xpecte<span class=\"ws29\">d <span class=\"ws6\">Cr</span></span>ed<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>nac<span class=\"ws2a\">h <span class=\"wse\">I</span></span>FRS 9 ist <span class=\"ws6\">d</span>ab<span class=\"_ _0\"></span>ei e<span class=\"ws2b\">in <span class=\"ws11\">d</span></span>iskontierte<span class=\"ws1\">r <span class=\"ws2\">We</span></span>rt<span class=\"wsb\">. </span>Hierf\u00fc<span class=\"ws2c\">r <span class=\"ws2\">w</span></span>ir<span class=\"ws8\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>jeweilige<span class=\"_ _128\"> </span> EL je <span class=\"ws2d\">P</span>eriod<span class=\"ws15\">e <span class=\"ws22\">mit <span class=\"ws2\">d</span></span></span>em Diskontfakt<span class=\"_ _0\"></span>o<span class=\"ws1\">r <span class=\"ws2\">j<span class=\"ws15\">e <span class=\"ws3\">P</span></span></span></span>eriod<span class=\"ws15\">e <span class=\"ws3\">mu</span></span>ltipliziert<span class=\"wsb\">. </span>De<span class=\"ws2c\">r <span class=\"ws2\">D</span></span>iskontfakto<span class=\"ws17\">r <span class=\"wsd\">b<span class=\"_ _0\"></span></span></span>einhalte<span class=\"ws2e\">t </span>dabei de<span class=\"ws5\">n <span class=\"ws6\">E</span></span>ffektivzinssatz de<span class=\"wsb\">s </span>Ver-<span class=\"_ _128\"> </span>m\u00f6genswerts.<span class=\"_ _128\"> </span> Wesentlich<span class=\"ws1c\">e <span class=\"wsb\">I</span></span>nputparameter<span class=\"_ _128\"> </span> Ausfallswahrscheinlichke<span class=\"ws18\">it <span class=\"ws2\">(P</span></span>D/Probabilit<span class=\"ws2\">y </span>of Default)<span class=\"ws2f\"> </span>D<span class=\"ws27\">ie <span class=\"wse\">A</span></span>usfallswahr<span class=\"_ _0\"></span>scheinlichke<span class=\"ws30\">it </span>wir<span class=\"ws8\">d <span class=\"ws31\">in <span class=\"ws32\">ei</span></span></span>nem Basisszenar<span class=\"ws11\">io </span>f\u00fc<span class=\"ws17\">r </span>d<span class=\"ws33\">ie <span class=\"wse\">Se</span></span>gment<span class=\"ws15\">e <span class=\"ws3\">Co</span></span>rpo<span class=\"_ _0\"></span>rate<span class=\"ws7\">s, <span class=\"ws2\">SM<span class=\"ws34\">E </span></span></span>un<span class=\"ws8\">d <span class=\"ws6\">R</span></span>etail au<span class=\"wsb\">s </span>de<span class=\"ws15\">n </span>histori-<span class=\"_ _128\"> </span>sche<span class=\"ws5\">n <span class=\"ws6\">A</span></span>usfallsrate<span class=\"ws35\">n </span>un<span class=\"ws8\">d <span class=\"ws6\">M<span class=\"_ _0\"></span></span></span>igrationswahrscheinlichkeite<span class=\"ws5\">n <span class=\"ws6\">a</span></span>bgeleitet.<span class=\"_ _128\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">55<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Je Segment und Ratingstufe werd<span class=\"_ _0\"></span>en die Ausfallswahrscheinlichkeiten f\u00fcr untersch<span class=\"_ _0\"></span>iedliche Laufzeiten (Lifetime PD) aus d<span class=\"_ _0\"></span>em<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Ausfallsvektor der Migrationsmatrix au<span class=\"_ _0\"></span>sgelesen. F\u00fcr die Segmente Banken und<span class=\"_ _1\"></span> Sovereign wird die Ausfallswahrscheinlichkeit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">direkt aus den internen R<span class=\"_ _0\"></span>atings und somit aus der bankinternen Masterskala abgeleitet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr die Ermittlung der historischen Ausfallsr<span class=\"_ _0\"></span>aten und Migrationswahrscheinlichkeiten f\u00fcr d<span class=\"_ _0\"></span>as zentrale Kundenkreditportfoli<span class=\"_ _1\"></span><span class=\"ls12\">o<span class=\"_ _128\"> </span></span><span class=\"ls12\"> </span></div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">werden Migrationsmatrizen f\u00fcr die jeweiligen Segmen<span class=\"_ _0\"></span>te berechnet. Hierbei wird jeweils der Zeitrau<span class=\"_ _0\"></span>m der letzten zehn Jahre<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">betrachtet. Als Basis zur<span class=\"_ _0\"></span> Bestimmung der 1-Jah<span class=\"_ _0\"></span>res-Migrationsmatrix dient zuerst eine qu<span class=\"_ _0\"></span>artalsweise Betrachtung von Rating-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">migrationen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Die 1-Jahres-Migrationsmatrix w<span class=\"_ _0\"></span>ird anhand einer Matrixmultiplikation<span class=\"_ _0\"></span> von vier aufeinander folgenden Quart<span class=\"_ _0\"></span>alen ermittelt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Die endg\u00fcltige 1-Jahres-Migrat<span class=\"_ _0\"></span>ionsmatrix ist dab<span class=\"_ _0\"></span>ei der Mittelwert \u00fcber alle ermittelten Migrationsmatr<span class=\"_ _0\"></span>izen. Die 1<span class=\"_ _0\"></span>-Jahres-PD<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">pro Ratingklasse ist d<span class=\"_ _0\"></span>abei die Summe der PD aus den drei Default Rat<span class=\"_ _0\"></span>ingklassen 5a, 5b und 5c. Kumulierte bzw. Lifetime PD<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">werden mittels d<span class=\"_ _0\"></span>er Markov-Annahme von Migrationsmat<span class=\"_ _0\"></span>rizen mittels Matrizenmultiplikation gebildet. Daraus ergeben s<span class=\"_ _0\"></span>ich<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">pro Segment und Rat<span class=\"_ _0\"></span>ingklasse PD-Kurven.  </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr einzelne Segmente und Laufzeitb\u00e4n<span class=\"_ _0\"></span>der werden diese bedingten Basis<span class=\"_ _0\"></span>-PD,<span class=\"_ _0\"></span> die sich aus der Through The Cycle Migrations-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">matrix ergeben, angepasst, um zukun<span class=\"_ _0\"></span>ftsgerichtete Informationen einflie\u00dfen zu lassen. Diese so<span class=\"_ _0\"></span>genannte Point<span class=\"_ _1\"></span>-<span class=\"ls19\">In</span>-Time-An-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">passung (PIT-Anpassu<span class=\"_ _0\"></span>ng) findet statt indem durch stat<span class=\"_ _0\"></span>istische Modelle versucht wird, Zusammenh\u00e4nge zwischen der A<span class=\"_ _0\"></span>us-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">fallswahrscheinlichkeit und erkl\u00e4r<span class=\"_ _0\"></span>enden makro\u00f6konomischen Variab<span class=\"_ _0\"></span>len herzustellen. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Als statistisches Modell wird eine logistische Regression <span class=\"_ _0\"></span>verw<span class=\"_ _0\"></span>endet, wodurch die Ausfallswahrscheinlichkeit progn<span class=\"_ _0\"></span>ostiziert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">wird. Die Regressionsp<span class=\"_ _0\"></span>arameter werden durch Maximierung der Likelihood Fun<span class=\"_ _0\"></span>ktion gesch\u00e4tzt. Als wesent<span class=\"_ _0\"></span>liche makro\u00f6ko-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">nomische Variablen gehen d<span class=\"_ _0\"></span>er harmonisierte Verbraucherpreisindex (CPI), sowi<span class=\"_ _1\"></span>e das Wachstum des Bruttoinland<span class=\"_ _0\"></span>sproduktes<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">(BIP) ins Modell ein. Bei den Faktor<span class=\"_ _0\"></span>en CPI und BIP findet eine L\u00e4ndergewichtung statt. <span class=\"_ _0\"></span>Dabei werden die L\u00e4nder \u00d6sterreich,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland, Tschechien, Ungar<span class=\"_ _0\"></span>n und Slowakei ber\u00fccksichtigt, in denen<span class=\"_ _0\"></span> die Oberbank AG t\u00e4tig<span class=\"_ _0\"></span> ist. Wobei die Fakto<span class=\"_ _0\"></span>ren f\u00fcr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich mit 66%, f\u00fcr Deutschland mit<span class=\"_ _0\"></span> 19%, f\u00fcr Tschechien mit 8% sow<span class=\"_ _0\"></span>ie, f\u00fcr Ungarn und Slowakei mit 4% bzw. mit<span class=\"_ _0\"></span> 3%<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">gewichtet werden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">Zur Modellwahl wird d<span class=\"_ _0\"></span>as Informationskritierium nach Akaike (AIC) verwendet, wobei die Variab<span class=\"_ _0\"></span><span class=\"ff9\">len mit<span class=\"_ _0\"></span>tels \u201eStepwise Selek-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y12a ff9 fs2 fc2 sc0 ls0 ws0\">tion\u201c selektiert werden.<span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Anhand dieser gesch\u00e4tzten<span class=\"_ _0\"></span> Faktoren wird die PD in den Segmenten Corporat<span class=\"_ _0\"></span>e, Retail und SME mittels Skalarans\u00e4tzen ange-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">passt. In den Segmenten Sovereign und<span class=\"_ _0\"></span> Banken konnten keine plausiblen Korrelation<span class=\"_ _0\"></span>en mit<span class=\"_ _0\"></span> makro\u00f6konomischen Fakt<span class=\"_ _0\"></span>oren<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">hergeleitet werden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank verw<span class=\"_ _0\"></span>endet f\u00fcr die ECL-Berechnung drei un<span class=\"_ _0\"></span>terschiedliche Szenarien (Normal<span class=\"_ _0\"></span>-, Up- und Downszenar<span class=\"_ _0\"></span>io), wobei<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">die schlussendliche Anpas<span class=\"_ _0\"></span>sung einer Linearkombination der drei unterschiedlichen Szenarien<span class=\"_ _1\"></span> gleichkommt. Die Szenarioge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">wichtung orientiert sich an<span class=\"_ _0\"></span> der derzeit g\u00e4ngigen Praxis, dass das Normalszenario mit 50%<span class=\"_ _0\"></span> Prozent und die beiden anderen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">Szenarien jeweils mit 25% gewichtet<span class=\"_ _0\"></span> werden. F\u00fcr die Szenarien bedient sich d<span class=\"_ _0\"></span>ie Oberbank makro\u00f6konomischer Da<span class=\"_ _1\"></span>ten des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Informationsdienstleisters Bloomberg. Dab<span class=\"_ _0\"></span>ei ist festzuhalten, dass nur f\u00fcr<span class=\"_ _0\"></span> 3 Jahre wirtschaftlich sinnvolle Prognosen vorhan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">den sind.  </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Folgende Tabelle zeigt die l\u00e4ndergewichteten makr<span class=\"_ _0\"></span>o\u00f6konomischen Faktor<span class=\"_ _0\"></span>en, die in die ECL<span class=\"_ _0\"></span>-Berechnung f\u00fcr<span class=\"_ _0\"></span> die Segmente<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">Corporates, Retail und<span class=\"_ _0\"></span> SME per 31. Dezember 2022 eingehen:<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs3a\"><table class=\"s w2be h167\" id=\"_8ad42bd1-ccc2-43d2-aa90-bd2ce82c48a5\"><tr><td></td><td class=\"c x1d1 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1132 w61 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Normalszenario </div></td><td class=\"c x1d1 y1133 w2c0 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1136 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1136 w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,58% </div></td><td class=\"c x1d5 y1136 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,68% </div></td><td class=\"c x175 y1136 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,79% </div></td></tr><tr><td class=\"c x174 y1137 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1137 w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">10,26% </div></td><td class=\"c x1d5 y1137 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,40% </div></td><td class=\"c x175 y1137 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,00% </div></td></tr><tr><td class=\"c x174 y1138 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Pessimistisches Szenario </div></td><td class=\"c x1d4 y1138 w62 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1 </div></td><td class=\"c x1d5 y1138 w63 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2 </div></td><td class=\"c x175 y1138 w64 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3 </div></td></tr></table></div>Konzernabschlu<span class=\"_ _0\"></span>ss 56<span class=\"ls0\"> </span><table class=\"s w2be h169\" id=\"_87518d39-45d2-41d4-b642-e35a4b7afe88\"><tr><td></td><td class=\"c x1d1 y113a w2c0 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y113d w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y113d w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-1,37% </div></td><td class=\"c x1d5 y113d w63 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,06% </div></td><td class=\"c x175 y113d w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,19% </div></td></tr><tr><td class=\"c x174 y113e w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y113e w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">11,84% </div></td><td class=\"c x1d5 y113e w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">4,10% </div></td><td class=\"c x175 y113e w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,69% </div></td></tr></table><table class=\"s w2c4 h16c\" id=\"_ce8e6a33-5e60-4ef0-9255-687fe61fd960\"><tr><td></td><td class=\"c x1d1 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1140 w65 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Optimistisches Szenario </div></td><td class=\"c x1d1 y1141 w2c0 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1143 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1143 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,20% </div></td><td class=\"c x1d5 y1143 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,15% </div></td><td class=\"c x1d7 y1143 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,40% </div></td></tr><tr><td class=\"c x174 y1144 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1144 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">6,81% </div></td><td class=\"c x1d5 y1144 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,38% </div></td><td class=\"c x1d7 y1144 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,52% </div></td></tr></table>Verlustquote bei Ausfall (LGD/<span class=\"_ _0\"></span>Loss Given Default)<span class=\"_ _128\"> </span> Die Verlustquote bei Au<span class=\"_ _0\"></span>sfall entspricht jenem Anteil des Forderungsvolumens,<span class=\"_ _0\"></span> der im Rahmen eines Ausfalls nicht wieder-<span class=\"_ _128\"> </span>eingebracht werden kann<span class=\"_ _0\"></span> und stellt somit den w<span class=\"_ _0\"></span>irtschaftlichen Verlust dar. Die LGD w<span class=\"_ _0\"></span>ird unterteilt in eine LGD aus besicher-<span class=\"_ _128\"> </span>ten Kreditteilen und ein<span class=\"_ _0\"></span>e LGD aus unbesicherten Kreditteilen. Die LGD aus <span class=\"_ _0\"></span>besicherten Kreditteilen h\u00e4ngt von der Sicherh<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>tenart und einer etwaigen Wertentw<span class=\"_ _0\"></span>icklung/Abschreibung im<span class=\"_ _0\"></span> Zeitverlauf ab. Je nach<span class=\"_ _0\"></span> Entwicklung des Exposures im Zeitab-<span class=\"_ _128\"> </span>lauf sowie der Entwicklung d<span class=\"_ _0\"></span>er Sicherheiten ergeben sich im Zeitverlauf so<span class=\"_ _0\"></span>mit effektive LGDs je Laufzeitenband.<span class=\"_ _0\"></span> LGD besichert<span class=\"_ _128\"> </span> F\u00fcr die Berechnung d<span class=\"_ _0\"></span>es Expected Credit Loss werden s\u00e4mtliche internen<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Sicherheiten anhand von Deckungswerten ange-<span class=\"_ _128\"> </span>setzt. Der Unterschied zwischen d<span class=\"_ _0\"></span>em Marktwert und dem Deckungsw<span class=\"_ _0\"></span>ert der Sicherheit entspricht einem Haircut f\u00fcr Sch\u00e4t<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>zunsicherheiten und Wert<span class=\"_ _0\"></span>schwankungen und kann<span class=\"_ _0\"></span> somit implizit als LGD f\u00fcr den besicherten Kreditt<span class=\"_ _1\"></span>eil interpretiert werden.<span class=\"_ _128\"> </span> In der Berechnung des erw<span class=\"_ _0\"></span>arteten Kreditverlusts kommt es daher zu einem impliziten Splitting d<span class=\"_ _0\"></span>es Kredits in besicherte und<span class=\"_ _128\"> </span> unbesicherte Teile. Der besichert<span class=\"_ _0\"></span>e Teil hat demnach nach Ber\u00fccksichtigung der Deckun<span class=\"_ _0\"></span>gswerte einen LGD von 0<span class=\"_ _1\"></span> %, der un-<span class=\"_ _128\"> </span>besicherte Kreditteil erh\u00e4lt<span class=\"_ _0\"></span> die Blanko LGD je nach Segment. F\u00fchrt man<span class=\"_ _0\"></span> die beiden Kreditteile zusammen ergibt sich eine Ar<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span> \u201eMisch\u201c<span class=\"ff4\">-LGD je Laufzeitband<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span>LGD unbesichert<span class=\"_ _128\"> </span> Der unbesicherte LGD stellt somit die Nicht<span class=\"_ _0\"></span>-Wiedereinbringungsqu<span class=\"_ _0\"></span>ote nach Abzug von Sicherheitenerl\u00f6s<span class=\"_ _0\"></span>en dar und ist in<span class=\"_ _128\"> </span> erster Linie von Erl\u00f6sen abh\u00e4n<span class=\"_ _0\"></span>gig, die aus der Betreibung und/oder Masseerl\u00f6sen r<span class=\"_ _0\"></span>esultieren.<span class=\"_ _128\"> </span> Forderungswert bei Ausfall (EAD/E<span class=\"_ _0\"></span>xposure at <span class=\"_ _0\"></span>Default)<span class=\"_ _128\"> </span> F\u00fcr Kredite mit bestimmter Kapitalf\u00e4lligkeit findet d<span class=\"_ _0\"></span>ie Cashflow-Sch\u00e4tzu<span class=\"_ _0\"></span>ng anhand d<span class=\"_ _0\"></span>er vertraglichen Tilgungsstruktur statt.<span class=\"_ _128\"> </span> S\u00e4mtliche Cashflows werden<span class=\"_ _0\"></span> durch die Gesch\u00e4ftsmerkmale (Saldo, H\u00f6<span class=\"_ _0\"></span>he Ratenzahlung, Tilgungsfrequenz, Zinszah<span class=\"_ _0\"></span>lungsinter-<span class=\"_ _128\"> </span>vall, Referenzzinss\u00e4tze, F\u00e4lligkeit) s<span class=\"_ _0\"></span>owie aktuelle Marktdaten (Wechselkurse sowie Markt<span class=\"_ _0\"></span>zinss\u00e4tze) bestimmt. Cashflows aus<span class=\"_ _128\"> </span> Zinszahlungen werden d<span class=\"_ _0\"></span>abei aus den in den Zinskurven implizierten Terminzinsen abgeleitet.<span class=\"_ _1\"></span> Revolvierende Kredite weisen keine vert<span class=\"_ _0\"></span>raglich bas<span class=\"_ _0\"></span>ierten Cashflows auf. Daher ist<span class=\"_ _0\"></span> eine explizite Cashflowsch\u00e4tzun<span class=\"_ _0\"></span>g mittels<span class=\"_ _128\"> </span> Replikationsmodellen notw<span class=\"_ _0\"></span>endig.  In der Oberbank AG <span class=\"_ _0\"></span>liegen Kredite vor, die hinsichtlich der Laufzeit b. a. w. ab<span class=\"_ _0\"></span>geschlossen werden. Im Rahmen d<span class=\"_ _0\"></span>er j\u00e4hrlichen<span class=\"_ _128\"> </span> Kreditpr\u00fcfung wird d<span class=\"_ _0\"></span>as Kreditverh\u00e4ltnis neu beurteilt und gegebenenfalls eine Anp<span class=\"_ _0\"></span>assung der Kond<span class=\"_ _0\"></span>itionen im Hinblick auf<span class=\"_ _128\"> </span> die Ver\u00e4nderung der Kr<span class=\"_ _0\"></span>editqualit\u00e4t vorgenommen. Diese Kredite sind jed<span class=\"_ _0\"></span>erzeit k\u00fcndbar. Hinsichtlich der Laufzeit wird dah<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> angenommen, dass d<span class=\"_ _0\"></span>iese ein Jahr b<span class=\"_ _0\"></span>etr\u00e4gt, da jedes Jahr eine erneute Entscheidun<span class=\"_ _0\"></span>g \u00fcber die Verl\u00e4ngerung des Kredits ge-<span class=\"_ _128\"> </span>troffen w<span class=\"_ _0\"></span>ird. Die Oberbank AG ist damit dem Kreditrisiko maximal ein Jahr ausgesetzt.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">57<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Bei Kreditrahmen wird zun\u00e4chst jener T<span class=\"_ _0\"></span>eil berechnet, der derzeit nicht ausgen\u00fctzt wir<span class=\"_ _1\"></span>d. Hierbei wird der Kreditsaldo vom<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Rahmen abgezogen. Dieser nicht a<span class=\"_ _0\"></span>usgen\u00fctzte Kreditrahmen bleibt in weiterer Folge \u00fcber die gesamte Kreditlaufzeit kon<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">stant. Es wird dabei f\u00fcr<span class=\"_ _0\"></span> die Berechnung des Exposure at Default (EAD<span class=\"_ _0\"></span>) durchgehend ein Kreditkonversionsf<span class=\"_ _1\"></span>aktor zu Grunde<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">gelegt. Die F\u00e4lligkeit des Kreditrahmens kor<span class=\"_ _0\"></span>respondiert dabei immer mit der Laufzeit des Kredit<span class=\"_ _0\"></span>s.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorge im Lebendgesch\u00e4ft<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Im Vergleich zum Jahresanfang steigt d<span class=\"_ _0\"></span>er Betrag der gebildeten Wertberichtigung im Lebendges<span class=\"_ _1\"></span>ch\u00e4ft (Stufe 1 und Stufe 2)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">um Euro 8,11 Mio. Euro.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Ein gro\u00dfer Treiber f\u00fcr die H\u00f6h<span class=\"_ _0\"></span>e des Expected Credit Loss ist die Stufenbest<span class=\"_ _0\"></span>immung der einzelnen Positionen. Diese resultiert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">aus den bereits beschriebenen<span class=\"_ _0\"></span> qualitativen und quantitati<span class=\"_ _0\"></span>ven Stagingkriterien. Nachfolgend werden<span class=\"_ _0\"></span> die Auswirkungen auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">den Expected Credit<span class=\"_ _0\"></span> Loss unter der Annahme, dass alle Positionen einerseits der Stu<span class=\"_ _0\"></span>fe 1 (12<span class=\"_ _0\"></span>-Monats-ECL) u<span class=\"_ _0\"></span>nd andererseits<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">der Stufe 2 (Lifetime-ECL) zuge<span class=\"_ _0\"></span>wiesen werden, ausgewiesen. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div></div><div class=\"gs3f\"><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y583 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y584 ff5 fs2 fc2 sc0 ls0 ws0\">Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Sc<span class=\"_ _0\"></span>hulden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y585 ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verbindlichkeiten werden in<span class=\"_ _0\"></span> der Regel zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten bewertet, sofern nicht eine <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y586 ff4 fs2 fc2 sc0 ls0 ws0\">Zuordnung zum Hand<span class=\"_ _0\"></span>elsbestand oder eine Designierun<span class=\"_ _0\"></span>g erfolgt. Solche finanziellen Verbindlichkeiten werden der Kat<span class=\"_ _0\"></span>egorie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y587 ff4 fs2 fc2 sc0 ls0 ws0\">erfolgswirksam zum beizulegen<span class=\"_ _0\"></span>den Zeitwert zu<span class=\"_ _0\"></span>gerechnet. Ver\u00e4nderungen des beizulegenden Zeitwerts w<span class=\"_ _0\"></span>erden wie folgt <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y588 ff4 fs2 fc2 sc0 ls0 ws0\">erfasst:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha y589 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die Ver\u00e4nderung des beizulegend<span class=\"_ _0\"></span>en Zeitwerts, die auf \u00c4nd<span class=\"_ _0\"></span>erungen des Kreditrisikos der Schuld zur\u00fcckzuf\u00fchren ist, wird<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x6 h5 y58a ff4 fs2 fc2 sc0 ls0 ws0\">im sonstigen Ergebn<span class=\"_ _0\"></span>is dargestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha yd2 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die verbleibende Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts wird im Gewinn oder V<span class=\"_ _0\"></span>erlust dargestellt.<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 h5 y58b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yd4 ff4 fs2 fc2 sc0 ls0 ws0\">Die Klassifizierung finanzieller Verbind<span class=\"_ _0\"></span>lichkeiten zur erfolgswirksamen Bewertung zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert findet immer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yd5 ff4 fs2 fc2 sc0 ls0 ws0\">dann statt, wenn diese Finan<span class=\"_ _0\"></span>zinstrumente mittels Zinsd<span class=\"_ _0\"></span>erivaten abgesichert werden, um eine Bewertungsin<span class=\"_ _0\"></span>kongruenz <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 yd6 ff4 fs2 fc2 sc0 ls0 ws0\">zwischen Grundgesch\u00e4ft u<span class=\"_ _0\"></span>nd Derivat weitestgehend zu vermeiden (Fair Valu<span class=\"_ _0\"></span>e Option)<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 yd7 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y58c ff4 fs2 fc2 sc0 ls0 ws0\">Die Berechnung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts f\u00fcr verbriefte Verbindlichkeiten, Nac<span class=\"_ _0\"></span>hrangkap<span class=\"_ _0\"></span>ital und Verbindlichkeiten gegen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yd9 ff4 fs2 fc2 sc0 ls0 ws0\">\u00fcber Banken und Kunden erfo<span class=\"_ _0\"></span>lgt nach der Barwertmethode (Discounted Cashflow M<span class=\"_ _0\"></span>ethode), wobei die Ermittlung der <span class=\"_ _1\"></span>Cash-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3a8 ff4 fs2 fc2 sc0 ls0 ws0\">flows der eigenen Emissionen auf Basis d<span class=\"_ _0\"></span>es Vertragszinssatzes erfolgt. Zur<span class=\"_ _0\"></span> Abzinsung wird die der W\u00e4h<span class=\"_ _1\"></span>rung entsprechende<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y58d ff4 fs2 fc2 sc0 ls0 ws0\">Diskontkurve herangezogen, wobei ein der Senior<span class=\"_ _0\"></span>it\u00e4t der Verbindlichkeit entsprechender Bonit\u00e4t<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-Spread der Ban<span class=\"_ _0\"></span>k als  </div><div class=\"t m0 x3 h5 y58e ff4 fs2 fc2 sc0 ls0 ws0\">Aufschlag verwendet<span class=\"_ _0\"></span> wird. Die Bonit\u00e4tsaufschl\u00e4ge werden r<span class=\"_ _0\"></span>egelm\u00e4\u00dfig an die jeweiligen Marktgegebenheiten angepasst.<span class=\"_ _128\"> </span> <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">58<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Um die H\u00f6he der \u00c4nderun<span class=\"_ _0\"></span>g des beizulegenden Zeitwerts, der auf \u00c4n<span class=\"_ _0\"></span>derungen des Bonit\u00e4tsrisikos zur\u00fcckzuf\u00fchren ist, ermit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">teln zu k\u00f6nnen, w<span class=\"_ _0\"></span>ird die finanzielle Verbindlichkeit zweifach bewertet, ein<span class=\"_ _0\"></span>erseits auf Basis der Bonit\u00e4tsaufschl\u00e4ge zum Start<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">datum des Finan<span class=\"_ _0\"></span>zinstruments und andererseits auf Bas<span class=\"_ _0\"></span>is der Bonit\u00e4tsaufschl\u00e4ge zum Bilanzstichtag, jeweils bewert<span class=\"_ _0\"></span>et mit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">den aktuellen vertraglichen Cash<span class=\"_ _0\"></span>flows und der aktuellen Basis<span class=\"_ _0\"></span>-Zinskurve. D<span class=\"_ _0\"></span>er Unterschiedsbetrag stellt dabei die Wert\u00e4nde-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">rung dar, die auf \u00c4nderun<span class=\"_ _0\"></span>gen der Bonit\u00e4tseinsch\u00e4tzun<span class=\"_ _0\"></span>g der Bank zur\u00fcckzuf\u00fchren ist. Dieser Betrag wird im sonst<span class=\"_ _0\"></span>igen  </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis erfasst. Die restliche Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>ist dabei auf \u00c4nderungen in der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Zinsstrukturkurve sowie au<span class=\"_ _0\"></span>f die Restlaufzeitenverk\u00fcrzung zur\u00fcckz<span class=\"_ _0\"></span>uf\u00fchren un<span class=\"_ _0\"></span>d wird erfolgswirksam in der Gewinn<span class=\"_ _0\"></span>- und  </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Verlustrechnung dargestellt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y68 ff8 fs2 fc2 sc0 ls0 ws0\">Bilanzierung von Sich<span class=\"_ _0\"></span>erungsgesch\u00e4ften<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Derzeit wird kein Hedge Account<span class=\"_ _0\"></span>ing in der Oberbank AG durchgef\u00fchrt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11b ff8 fs2 fc2 sc0 ls0 ws0\">2.9) Wesentliche Rech<span class=\"_ _0\"></span>nungslegungsgrunds\u00e4tze bezogen auf d<span class=\"_ _0\"></span>ie Konzern<span class=\"_ _0\"></span>-Gewinn- und Verlust-Rec<span class=\"_ _0\"></span>hnung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h25 y11c ffd fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11d ff8 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsertr\u00e4ge und <span class=\"_ _0\"></span>-aufwendungen werden periodengerecht abgegrenzt. Im Zin<span class=\"_ _0\"></span>sergebnis sind Ertr\u00e4ge und A<span class=\"_ _0\"></span>ufwendungen, die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">ein Entgelt f\u00fcr die \u00dcberlassun<span class=\"_ _0\"></span>g von Kapital darstellen, enthalten. Dar\u00fcber hinaus sind in diesem<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Posten auch die Ertr\u00e4ge au<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und anderen Anteilsrechten<span class=\"_ _0\"></span> und sonstigen nicht festverzinslichen Wertpapieren en<span class=\"_ _0\"></span>thalten, sofern es sich nicht u<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Wertpapieren handelt, die den Han<span class=\"_ _0\"></span>delsaktiva zuzurechnen sind. A<span class=\"_ _0\"></span>uch Ertr\u00e4ge aus Beteiligungen un<span class=\"_ _1\"></span>d aus Antei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">len an verbunden<span class=\"_ _0\"></span>en Unternehmen (soweit wegen untergeordneter Bedeut<span class=\"_ _0\"></span>ung nicht konsolidiert) werden in diesem Post<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">ausgewiesen. Sowohl in<span class=\"_ _0\"></span> den Zinsertr\u00e4gen als auch in den Zinsaufwendungen sind<span class=\"_ _0\"></span> negative Zinsen enthalten<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y125 ff8 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus at Equity bew<span class=\"_ _0\"></span>erteten Unternehm<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Die Position beinhaltet die Ertr\u00e4ge aus an<span class=\"_ _0\"></span>teiligen Ergebnissen aus den at Equit<span class=\"_ _0\"></span>y einbezogenen Unternehmen sowie <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">gegebenenfalls Aufwendun<span class=\"_ _0\"></span>gen aus Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y129 ff8 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen im Kreditgesch<span class=\"_ _0\"></span>\u00e4ft<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Der Posten Risikovorsorgen im Kredit<span class=\"_ _0\"></span>gesch\u00e4ft beinhaltet Zuf\u00fchrungen zu Wertbericht<span class=\"_ _0\"></span>igungen und R\u00fcckstellungen bzw<span class=\"_ _0\"></span>. Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">tr\u00e4ge aus der Aufl\u00f6sung von Wert<span class=\"_ _0\"></span>berichtigungen und R\u00fcckstellungen, Direktabschr<span class=\"_ _0\"></span>eibungen, nachtr\u00e4gliche Eing\u00e4nge bereits<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">ausgebuchter Forderun<span class=\"_ _0\"></span>gen im Zusammenhang mit<span class=\"_ _0\"></span> dem Kreditgesch\u00e4ft sowie das Er<span class=\"_ _0\"></span>gebnis aus nicht signifikanten <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen und POCI Finanzinst<span class=\"_ _0\"></span>rumenten.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y12f ff8 fs2 fc2 sc0 ls0 ws0\">Provisionsergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">Das Provisionsergebnis ist<span class=\"_ _0\"></span> der Saldo aus den Ertr\u00e4gen und den Aufwendungen a<span class=\"_ _0\"></span>us dem Dienstleistungsgesch\u00e4<span class=\"_ _0\"></span>ft<span class=\"_ _0\"></span>.  </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y132 ff8 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Dieser Posten beinhaltet G<span class=\"_ _0\"></span>ewinne und Verluste aus Verk\u00e4ufen von Wert<span class=\"_ _0\"></span>papieren und sonstigen Finanzinstrumenten<span class=\"_ _0\"></span> des <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">Handelsbestand<span class=\"_ _0\"></span>s, Bewertungsgewinne und -verlust<span class=\"_ _0\"></span>e aus der Marktbewertung von Wertpapieren und<span class=\"_ _0\"></span> sonstigen Finanz<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">instrumenten d<span class=\"_ _0\"></span>es Handelsbestands, St\u00fcckzinsen von festverzinslichen Wertp<span class=\"_ _0\"></span>apieren des Handelsbestan<span class=\"_ _0\"></span>ds und Dividenden<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">ertr\u00e4ge von Aktien im Hand<span class=\"_ _0\"></span>elsbestand sowie die Refinanzierungsaufwendungen f\u00fc<span class=\"_ _0\"></span>r diese Wertpapiere.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y4c2 ff8 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwan<span class=\"_ _0\"></span>d<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Im Verwaltungsaufwand w<span class=\"_ _0\"></span>erden Person<span class=\"_ _0\"></span>al- und Sachaufwendungen sowie plan<span class=\"_ _0\"></span>m\u00e4\u00dfige Abschreibungen auf d<span class=\"_ _0\"></span>as  </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlageverm\u00f6gen ausgewiesen. Im Perso<span class=\"_ _0\"></span>nalaufwand werden insb<span class=\"_ _0\"></span>esondere Aufwendungen f\u00fcr L\u00f6hne und G<span class=\"_ _0\"></span>eh\u00e4lter, <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">gesetzliche und freiwillige Sozialaufw<span class=\"_ _0\"></span>endungen sowie die Ver\u00e4nderungen der A<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>fertigungs-, Pensions- u<span class=\"_ _0\"></span>nd Jubil\u00e4umsgeld-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">r\u00fcckstellungen erfasst<span class=\"_ _0\"></span>. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">59<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y5f ff8 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg werden die Ergebnisse von finanziellen Verm\u00f6genswerten a<span class=\"_ _0\"></span>us den Bewertungskategorien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">finanzielle Verm\u00f6genswerte zu fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffu<span class=\"_ _0\"></span>ngskosten (AC), finanzielle Verm\u00f6genswerte zu<span class=\"_ _0\"></span>m beizulegenden Zeit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">wert im Gewinn oder Verlust (FV/PL) sow<span class=\"_ _0\"></span>ie finanzielle Verm\u00f6genswerte zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) ausgewiesen. Dar\u00fcber hinaus wer<span class=\"_ _0\"></span>den in<span class=\"_ _0\"></span> dieser Position auch Ertr\u00e4ge und Au<span class=\"_ _0\"></span>fwendungen aus<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">operationellen Risiken, Operate Leasing od<span class=\"_ _0\"></span>er Aufwendungen aus so<span class=\"_ _0\"></span>nstigen Steuern und Abgaben erfasst. <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y66 ff8 fs2 fc2 sc0 ls0 ws0\">2.10) Wesentliche Rech<span class=\"_ _0\"></span>nungslegungsgrunds\u00e4tze bezogen auf die Konzernbilanz<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y68 ff8 fs2 fc2 sc0 ls0 ws0\">Barreserve<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Als Barreserve werd<span class=\"_ _0\"></span>en der Kassenbestand und Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken ausgewiesen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11b ff8 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kred<span class=\"_ _0\"></span>itinstitut<span class=\"_ _5\"></span>e <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungskosten abz\u00fcglich Wertb<span class=\"_ _0\"></span>erichtigungen nach IFRS 9 angesetzt. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h9 y11d ff8 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11e ff8 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">Diese sind je nach Bewert<span class=\"_ _0\"></span>ungskategorie nach IFRS 9 mit den fortgef\u00fchrten A<span class=\"_ _0\"></span>nschaffungskosten (AC), designiert oder <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">verpflichtend zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust (FV/PL) oder zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis (FV/OCI) a<span class=\"_ _0\"></span>ngesetzt. Wertbericht<span class=\"_ _0\"></span>igungen nach IFRS 9 werden von d<span class=\"_ _0\"></span>er entsprechen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">den Forderung ab<span class=\"_ _0\"></span>gesetzt. Ab dem Jahresabschluss 31.12.2022 werden d<span class=\"_ _0\"></span>ie Leasingforderungen netto, reduziert u<span class=\"_ _0\"></span>m Mietson-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y123 ff9 fs2 fc2 sc0 ls0 ws0\">derzahlungen und<span class=\"_ _0\"></span> Depotzahlungen (Effekt 2022: \u20ac 173 Mio.) dargestellt. Di<span class=\"_ _1\"></span><span class=\"ff4\">es f\u00fchrt auch zur Reduzierung der Son<span class=\"_ _0\"></span>stigen Pas-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">siva in identer H\u00f6he.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y126 ff8 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">die Struktur und Qualit\u00e4t der Kreditp<span class=\"_ _0\"></span>ortfolios best<span class=\"_ _0\"></span>immt.  </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">Zum Wertminderun<span class=\"_ _0\"></span>gsmodell nach IFRS 9 sei auf 2.8) Finanzielle <span class=\"_ _0\"></span>Verm\u00f6gensw<span class=\"_ _0\"></span>erte und Verpflichtungen sow<span class=\"_ _0\"></span>ie Sicherungsbe-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">ziehungen verwiesen. Der Gesamtbetr<span class=\"_ _0\"></span>ag der Risikovorsorgen wird seit dem Gesch\u00e4ftsjahr 2020 nicht meh<span class=\"_ _0\"></span>r als eigener <span class=\"_ _0\"></span>Bi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">lanzposten auf der A<span class=\"_ _0\"></span>ktivseite der Bilanz ausgewiesen, sondern gem\u00e4\u00df IAS 1 von den<span class=\"_ _0\"></span> entsprechenden Bilanzposten gek\u00fcrzt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Die Risikovorsorgen f\u00fcr au\u00dferb<span class=\"_ _0\"></span>ilanzielle Ge<span class=\"_ _5\"></span>sch\u00e4fte (insb<span class=\"_ _0\"></span>esondere Haftungen und G<span class=\"_ _0\"></span>arantien sowie sonstige Kreditzusagen)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">sind im Bilanzpo<span class=\"_ _0\"></span>sten R\u00fcckstellungen enthalten.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y12f ff8 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">Alle Handelsaktiva, das s<span class=\"_ _0\"></span>ind Wertpapiere des Handelsbestands sowie posit<span class=\"_ _0\"></span>ive Marktwerte aus derivativen Finanzinst<span class=\"_ _0\"></span>rumen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">ten des Handelsbuchs u<span class=\"_ _0\"></span>nd offenen derivativen Finanzinstru<span class=\"_ _0\"></span>menten des Bankbuchs, werden mit <span class=\"_ _1\"></span>ihren Marktwerten ausge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">wiesen. F\u00fcr die Ermittlun<span class=\"_ _0\"></span>g werden neben B\u00f6rsenkursen auch marktnahe Bewertungsku<span class=\"_ _0\"></span>rse herangezogen. Sind derart<span class=\"_ _0\"></span>ige<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Kurse nicht vorhand<span class=\"_ _0\"></span>en werden anerkannte Bewertungsmodelle verwend<span class=\"_ _0\"></span>et.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y135 ff8 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">Unter den Finanzan<span class=\"_ _0\"></span>lagen werden folgende Finanzinst<span class=\"_ _0\"></span>rumente ausgewiesen: Schuldverschreibu<span class=\"_ _0\"></span>ngen und andere festverzins-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">liche Wertpapiere, Aktien und and<span class=\"_ _0\"></span>ere nicht festverzinsliche Wertpapiere, Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, Anteile an<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">at Equity bewertet<span class=\"_ _0\"></span>en Unternehmen, sonstige Beteiligungen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Die Finanzanlagen umfassen d<span class=\"_ _0\"></span>abei die Bewertungskategorien zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten (AC), zu<span class=\"_ _0\"></span>m beizulegenden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL), zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/OCI)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">sowie die Anteile an a<span class=\"_ _0\"></span>t Equity-Unternehmen.  </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpapiere werden entwed<span class=\"_ _0\"></span>er zu fortgef\u00fchrten Anschaffungsko<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">(AC), zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) oder zum beizulegenden Zeitwert<span class=\"_ _0\"></span> i<span class=\"_ _0\"></span><span class=\"ls1f\">m </span> </div><div class=\"t m0 x3 h5 y4c8 ff4 fs2 fc2 sc0 ls0 ws0\">Gewinn oder Verlust (FV/PL) zugeordnet<span class=\"_ _0\"></span>.  <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">60<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsliche Wertpapiere werden zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn o<span class=\"_ _0\"></span>der Verlust (FV/PL)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">oder zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) bewertet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen und Beteiligungen, die weder vollkon<span class=\"_ _0\"></span>solidiert noch at Equity bewertet w<span class=\"_ _0\"></span>erden, wer-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">den unter der Bewertungskat<span class=\"_ _0\"></span>egorie zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) oder<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im Gewinn oder Verlust (FV/PL) erfasst. In<span class=\"_ _0\"></span> der Bewertungskategorie zum beizulegenden Zeit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">wert im Gewinn oder Verlust werden nur jene Anteile an verbun<span class=\"_ _0\"></span>denen Unternehmen und Beteiligungen erfasst,<span class=\"_ _0\"></span> die zum<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Marktwert gesteuert werden. Dies trifft v<span class=\"_ _0\"></span>or allem auf An<span class=\"_ _0\"></span>teile an Private Equity Fonds zu<span class=\"_ _0\"></span>. F\u00fcr alle anderen Anteile an verbun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">denen Unternehmen und<span class=\"_ _0\"></span> Beteiligungen wurde das Wah<span class=\"_ _0\"></span>lrecht in Anspruch genommen und<span class=\"_ _0\"></span> diese der Bewertungskategorie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _1\"></span>OCI) zugeordnet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">In Gesch\u00e4ftsjahr 2022 fand<span class=\"_ _0\"></span>en keine Umwidmungen zwischen den Bewertu<span class=\"_ _0\"></span>ngskategorien statt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass ist bei Schuldtiteln dann gegeben, wenn<span class=\"_ _0\"></span> der Marktwert um mindestens 20 % unter die <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungskosten d<span class=\"_ _0\"></span>es Schuldtitels sinkt<span class=\"_ _0\"></span> und dies dauerhaft \u00fcber einen Zeitraum von n<span class=\"_ _0\"></span>eun Monaten der Fall ist. In der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Folge wird gepr\u00fcft, ob ein Ereignis eingetreten<span class=\"_ _0\"></span> ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungsstr\u00f6me aus dem Schuld-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">titel hat und sich verl\u00e4sslich sch\u00e4t<span class=\"_ _0\"></span>zen l\u00e4sst. Wir<span class=\"_ _0\"></span>d festgestellt, dass bei diesem Schuldtitel innerhalb d<span class=\"_ _0\"></span>er geplanten Behaltefrist<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten nicht zu erwart<span class=\"_ _0\"></span>en ist (Ausschluss von Marktschwankungen), liegt Impair-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">ment vor.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity b<span class=\"_ _0\"></span>ewerteten Unternehmen w<span class=\"_ _0\"></span>erden mit dem der Oberbank AG zustehenden ant<span class=\"_ _0\"></span>eiligen Eigenkapital des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungsunternehmens <span class=\"_ _0\"></span>angesetzt. Wenn objektive Hinweise f\u00fcr eine Wertmind<span class=\"_ _0\"></span>erung bei einer at Equity bewerteten Be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">teiligung vorliegen, wird f\u00fcr d<span class=\"_ _0\"></span>iese Beteilig<span class=\"_ _5\"></span>ung ein individu<span class=\"_ _0\"></span>eller Nutz<span class=\"_ _0\"></span>ungswert (Valu<span class=\"_ _0\"></span>e in Use) ermittelt. Der h\u00f6here Wert aus<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">beizulegendem Zeitwert ab<span class=\"_ _0\"></span>z\u00fcglich der Verkaufskosten und Nutzungswert stellt d<span class=\"_ _0\"></span>en erzielbaren Betrag gem\u00e4\u00df IAS 36.6 dar<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">und dieser ist f\u00fcr die Bewertung heranzu<span class=\"_ _0\"></span>ziehen. Der Anlass f\u00fcr eine Impairment<span class=\"_ _0\"></span>-Pr<span class=\"_ _0\"></span>\u00fcfung ist gegeben, wenn<span class=\"_ _0\"></span> entweder der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">Marktwert um mindesten<span class=\"_ _0\"></span>s 20 % unter den At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert sinkt oder wenn der Marktwert dauerhaft min<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">destens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von 9 Monaten unter dem At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert liegt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">Zum Bewertungssticht<span class=\"_ _0\"></span>ag 31.12.2022 war der qu<span class=\"_ _0\"></span>antitative Impairment Trigger bei der at Equity bewerteten Beteiligung an<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12a ff9 fs2 fc2 sc0 ls0 ws0\">der voestalpine AG ausgel\u00f6st<span class=\"_ _0\"></span>, da der B\u00f6rsenkurs am 31.12.2022 mit \u20ac 24,78 signifikant<span class=\"_ _0\"></span> um 41,28 % unter den at Equity<span class=\"_ _1\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y12b ff9 fs2 fc2 sc0 ls0 ws0\">Buchkurs in H\u00f6he von \u20ac 42,20 gefallen i<span class=\"_ _0\"></span><span class=\"ff4\">st. </span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Damit wurde eine Wertminderungsp<span class=\"_ _0\"></span>r\u00fcfung ausgel\u00f6st, bei der der individuelle Nutzungsw<span class=\"_ _0\"></span>ert (Value in Use) der voestalpine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">AG zum 31.12.2022 ermittelt wu<span class=\"_ _0\"></span>rde. Der Nutzungswert wurde nach dem Discou<span class=\"_ _0\"></span>nted Cash Flow Verfahren unter Anwendun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">des WACC-Ansatzes (gewogene<span class=\"_ _0\"></span> durchschnittliche Kap<span class=\"_ _0\"></span>italkosten) berechnet und ergab einen Wert in H\u00f6he von 551.247 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Euro. Dieser Wert wurde als erzielbarer Betrag als h<span class=\"_ _0\"></span>\u00f6herer Wert aus dem Vergleich zwischen Nut<span class=\"_ _0\"></span>zungswert und beizulegen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">dem Zeitwert abz\u00fcglich Verkau<span class=\"_ _0\"></span>fskosten h<span class=\"_ _0\"></span>erangezogen, was zu einem Wertminderungsaufw<span class=\"_ _0\"></span>and in H\u00f6he von 54.640 Tsd.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Euro f\u00fchrte. Als Diskontierungszinssatz wurd<span class=\"_ _0\"></span>e im Terminal Value ein WACC (Weighted Average Cost<span class=\"_ _0\"></span> of Capital) von 7,07 %<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">herangezogen. Eine \u00c4nd<span class=\"_ _0\"></span>erung des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 25 Basispun<span class=\"_ _0\"></span>kte h\u00e4tte eine Reduzierung um 5,98 % b<span class=\"_ _0\"></span>zw.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung des Nut<span class=\"_ _0\"></span>zungswertes um 6,53 % und eine \u00c4nderun<span class=\"_ _0\"></span>g des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 50 Bas<span class=\"_ _0\"></span>ispunkte h\u00e4tt<span class=\"_ _0\"></span>e eine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">Reduzierung um 11,48 %<span class=\"_ _0\"></span> bzw. Erh\u00f6hung des Nutzungswertes um 13,69 % zu<span class=\"_ _0\"></span>r Folge. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Bei den <span class=\"lsd\">at</span>-Equ<span class=\"_ _0\"></span>ity bewerteten Beteiligungen an der BKS Bank AG und<span class=\"_ _0\"></span> der Bank f\u00fcr Tirol und Vorarlberg AG l\u00f6st der B\u00f6rsen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">kurs aufgrund der Illiquidit\u00e4t d<span class=\"_ _0\"></span>er Aktien keinen Impairment<span class=\"_ _0\"></span>-Trigger aus. Sofern nicht s<span class=\"_ _0\"></span>onstige objektive Hinweise f\u00fcr eine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Wertminderung vorliegen, st<span class=\"_ _0\"></span>ellt das anteilige Eigenkapital dieser Beteiligungen den<span class=\"_ _0\"></span> erzielbaren Betrag dar. Aus Gr\u00fcnden<span class=\"_ _0\"></span> der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">Sorgfalt erfolgt eine indikat<span class=\"_ _0\"></span>ive Bewertung dieser Wertans\u00e4tze auf Basis eines Dividend<span class=\"_ _1\"></span>-Discount Models (DDM) zum Bilanz-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">stichtag. Der Unternehmensw<span class=\"_ _0\"></span>ert wird<span class=\"_ _0\"></span> hier unter Ber\u00fccksichtigung der m\u00f6glichen zuk\u00fcnftigen Untern<span class=\"_ _0\"></span>ehmensergebnisse und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">notwendiger regulatorischer E<span class=\"_ _0\"></span>igenmittelerfordernisse als Barwert ermittelt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">Die Sch\u00e4tzungen der zuk\u00fcnft<span class=\"_ _0\"></span>igen Ergebnisse beruhen auf d<span class=\"_ _0\"></span>er vom jeweiligen Aufsichtsrat genehmigten<span class=\"_ _0\"></span> Mit<span class=\"_ _0\"></span>telfristplanung.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Die Herleitung des Abzinsun<span class=\"_ _0\"></span>gsfaktors erfolgt auf Basis von extern beobachtbaren Fakt<span class=\"_ _0\"></span>oren. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">Aus den indikativen<span class=\"_ _0\"></span> Bewertungen w\u00fcrde auch bei ausgel\u00f6st<span class=\"_ _0\"></span>em Impairment<span class=\"_ _0\"></span>-Trigger kein Wertminderungserfordernis <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c8 ff4 fs2 fc2 sc0 ls0 ws0\">resultieren. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">61<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y5f ff8 fs2 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6<span class=\"_ _0\"></span>gen und Sachanlageverm\u00f6gen<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Die Position Immaterielle Anlageverm\u00f6genswert<span class=\"_ _0\"></span>e umfasst insbesondere Patente, Lizenzen, Softw<span class=\"_ _0\"></span>are, Kundenstock und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Rechte sowie erworb<span class=\"_ _0\"></span>ene Gesch\u00e4fts- oder Firmenwerte. Die Bewertung erfolgt zu<span class=\"_ _0\"></span> Anschaffungs- b<span class=\"_ _0\"></span>zw. Herstellungskos<span class=\"_ _0\"></span>ten,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">vermindert um planm\u00e4\u00df<span class=\"_ _0\"></span>ige und au\u00dferplanm\u00e4\u00dfige Abschreibungen. Die planm\u00e4\u00dfige Ab<span class=\"_ _0\"></span>schreibung erfolgt linear auf Basis der <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauer. Die Nutzungsdauer f\u00fcr immaterielles Anlageverm\u00f6gen betr\u00e4gt<span class=\"_ _0\"></span> in der Oberbank AG drei bis 20<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Jahre.  </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlageverm\u00f6gen (einschlie\u00dflich als Finan<span class=\"_ _0\"></span>zinvestitionen gehaltener Immob<span class=\"_ _0\"></span>ilien) wird zu Anschaffungs<span class=\"_ _0\"></span>- b<span class=\"_ _0\"></span>zw. Herstel-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">lungskosten, reduziert<span class=\"_ _0\"></span> um planm\u00e4\u00dfige Abschreibungen, bew<span class=\"_ _0\"></span>ertet. Voraussichtlich dauerhafte Wertminderun<span class=\"_ _0\"></span>gen f\u00fchren zu<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">einer au\u00dferplanm\u00e4\u00df<span class=\"_ _0\"></span>igen Abschreibung. Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng erfolgt linear auf Basis der gesch\u00e4tzten <span class=\"_ _1\"></span>Nutzungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">dauer.  </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">In der Oberbank AG <span class=\"_ _0\"></span>gilt folgende durchschnittliche Nutzungsdauer: ban<span class=\"_ _0\"></span>kbetrieblich gen\u00fctzte Geb\u00e4ude zehn b<span class=\"_ _0\"></span>is 40 Jahre; <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Betriebs- und<span class=\"_ _0\"></span> Gesch\u00e4ftsausstattung vier bis 2<span class=\"_ _0\"></span>0 Jahre; Standard-Software vier Jahr<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Dar\u00fcber hinaus wird jeweils zum Bilanzstichtag \u00fc<span class=\"_ _0\"></span>berpr\u00fcft, ob Anhaltspunkte f\u00fcr eine Wertminderung vo<span class=\"_ _0\"></span>rliegen. Bei dieser<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcberpr\u00fcfung ermittelt die Oberban<span class=\"_ _0\"></span>k den f\u00fcr den Verm\u00f6genswert erzielbaren Betrag. D<span class=\"_ _0\"></span>ieser entsprich<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>em h\u00f6heren Betrag<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">aus Nutzwert oder Nettover\u00e4u\u00dferu<span class=\"_ _0\"></span>ngspreis. Liegt der erzielbare Betrag unter dem Bu<span class=\"_ _0\"></span>chwert des Verm\u00f6genswerts erfolgt<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">die ergebniswirksame Erfassung eines Wertminderun<span class=\"_ _0\"></span>gsbetrags in H\u00f6he dieses Unt<span class=\"_ _0\"></span>erschiedsbetrags.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Unter dem Sachanlageverm\u00f6gen<span class=\"_ _0\"></span> werden seit 1.1.2019 au<span class=\"_ _0\"></span>ch die aktivierten Nutzungsrechte (right of use asset<span class=\"_ _0\"></span>s) nach IFRS 16<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">ausgewiesen.  </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y123 ff5 fs2 fc2 sc0 ls0 ws0\">Leasing als Leasingnehmer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Ein Leasingverh\u00e4ltnis ist n<span class=\"_ _0\"></span>ach IFRS 16 ein Vertrag oder Teil eines Vertrags,<span class=\"_ _0\"></span> der gegen Zahlung eines Entgelts f\u00fcr einen <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">bestimmten Zeitraum zur Nu<span class=\"_ _0\"></span>tzung eines Verm\u00f6genswerts berechtigt. Nutzun<span class=\"_ _0\"></span>gsrechte (right of use assets) an den Leasingge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">genst\u00e4nden werden<span class=\"_ _0\"></span> zum Zugangszeitpunkt mit den Anschaffungskost<span class=\"_ _0\"></span>en bewertet. Die Anschaffungskost<span class=\"_ _0\"></span>en entsprechen in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">der Regel dem Barwert der korrespon<span class=\"_ _0\"></span>dierenden Leasingverbindlichkeiten. Von d<span class=\"_ _0\"></span>em Wahlrecht nach IFRS 16.5, Nutzungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">rechte an Leasinggegenst\u00e4nden aus kurzfrist<span class=\"_ _0\"></span>igen Leasingverh\u00e4lt<span class=\"_ _0\"></span>nissen und aus Leasingverh\u00e4ltnissen<span class=\"_ _0\"></span> mit geringem Wert nicht<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">zu aktivieren, wird kein Gebrauch gemacht. Die plan<span class=\"_ _0\"></span>m\u00e4\u00dfige Abschreibung d<span class=\"_ _0\"></span>er Nutzungsrechte an den Leasinggegenst\u00e4nd<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">erfolgt linear \u00fcber die voraussichtliche Nut<span class=\"_ _0\"></span>zungsdauer beziehun<span class=\"_ _0\"></span>gsweise \u00fcber d<span class=\"_ _0\"></span>ie k\u00fcrzere Vertragslaufzeit. Liegen Anhalts-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">punkte vor, dass Nutzungsrechte an den<span class=\"_ _0\"></span> Leasinggegenst\u00e4nden wertgemindert sein k\u00f6nnten,<span class=\"_ _0\"></span> erfolgt eine \u00dcberpr\u00fcfung nach<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">IAS 36. Die k\u00fcnftigen Leasingzahlun<span class=\"_ _0\"></span>gen werden mit laufzeit<span class=\"_ _0\"></span>- und w\u00e4hrungsdifferenzi<span class=\"_ _0\"></span>erten SWAP-Zinss\u00e4tzen ab<span class=\"_ _0\"></span>gezinst und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">nach der Effektivzinsmet<span class=\"_ _0\"></span>hode zu fortgef\u00fchrten Anschaffungskosten b<span class=\"_ _0\"></span>ewertet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Im Oberbank Kon<span class=\"_ _0\"></span>zern gibt es befristete (mit und ohne Verl\u00e4ngerun<span class=\"_ _0\"></span>gsoption) sowie unbefristete Vertragsverh\u00e4ltn<span class=\"_ _0\"></span>isse. Die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">Bestimmung der Leasingver<span class=\"_ _0\"></span>tragslaufzeit erfolgt grundlegend zu Beginn d<span class=\"_ _0\"></span>er Nutzungs\u00fcberlassung bzw. <span class=\"_ _0\"></span>erstmalig bei der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Erstanwendung des IFRS 16. Befrist<span class=\"_ _0\"></span>ete Vertr\u00e4ge ohne Verl\u00e4ngerun<span class=\"_ _0\"></span>gsoption werden mit einer Laufzeit bis zu ih<span class=\"_ _0\"></span>rem <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">vertraglichen Enddatum an<span class=\"_ _0\"></span>gesetzt. Die Leasingvertrag<span class=\"_ _0\"></span>slaufzeit f\u00fcr befristet<span class=\"_ _0\"></span>e Vertr\u00e4ge mit Verl\u00e4ngerungsoption sowie  </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">unbefristete Vertr\u00e4ge wird in dem Ma\u00dfe angenommen, d<span class=\"_ _0\"></span>ass die gesamte Vertragslaufzeit der Nut<span class=\"_ _0\"></span>zungs\u00fcberlassung grund-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">s\u00e4tzlich den durchschnittlichen In<span class=\"_ _0\"></span>vestitionszyklus der Ob<span class=\"_ _0\"></span>erbank AG von 20 Jah<span class=\"_ _0\"></span>ren nicht \u00fcbersteigt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y4c0 ff8 fs2 fc2 sc0 ls0 ws0\">Leasing (als Leasinggeber) un<span class=\"_ _0\"></span>d als Finanzinvestition gehaltene Immob<span class=\"_ _0\"></span>ilien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank bietet sow<span class=\"_ _0\"></span>ohl Finanzierungsleasingvertr\u00e4ge als auch Operat<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-Leasing-Vertr\u00e4ge an. Gem\u00e4\u00df IFRS 16 han<span class=\"_ _0\"></span>delt es<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">sich bei einem Finanzierungsleasing u<span class=\"_ _0\"></span>m ein Leasingverh\u00e4lt<span class=\"_ _0\"></span>nis, bei dem im Wesentlichen alle mit dem Eigentu<span class=\"_ _0\"></span>m verbundenen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Chancen und Risiken eines Verm\u00f6gensw<span class=\"_ _0\"></span>erts \u00fcbertragen werden. Letztlich kann<span class=\"_ _0\"></span> dabei auch das Eigentumsrecht<span class=\"_ _0\"></span> \u00fcbertragen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">werden. Die Oberbank AG <span class=\"_ _0\"></span>weist als Leasinggeber beim Finanzie<span class=\"_ _0\"></span>rungsleasing eine Forderu<span class=\"_ _0\"></span>ng gegen\u00fcber dem Leasingnehmer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">in H\u00f6he der Barwerte der vertraglich vereinbarten Za<span class=\"_ _0\"></span>hlungen aus. Die Leasingertr\u00e4ge werden in den Zin<span class=\"_ _0\"></span>sen und \u00e4hnlichen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4gen ausgewiesen. Ein Op<span class=\"_ _0\"></span>erate-Leasing-Verh\u00e4ltnis ist<span class=\"_ _0\"></span> ein Leasingverh\u00e4ltnis, b<span class=\"_ _0\"></span>ei dem es sich nicht um ein Finan<span class=\"_ _0\"></span>zierungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">leasingverh\u00e4ltnis handelt. <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">62<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Bei Operate-Leasing-Vertr\u00e4gen w<span class=\"_ _0\"></span>erden die zur Vermietung b<span class=\"_ _0\"></span>estimmten Verm\u00f6gensgegenst\u00e4nde, vermind<span class=\"_ _0\"></span>ert um Abschrei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">bungen, im Sachan<span class=\"_ _0\"></span>lageverm\u00f6gen ausgewiesen. Als Finanzinvestit<span class=\"_ _0\"></span>ionen gehalten<span class=\"_ _0\"></span>e Immobilien werden zu<span class=\"_ _0\"></span> fortgef\u00fchrten An-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">schaffungskosten bilanziert. <span class=\"_ _0\"></span>Die Leasingertr\u00e4ge werden im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg ausgewiesen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y63 ff8 fs2 fc2 sc0 ls0 ws0\">Derivate<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Finanzderivate werden in d<span class=\"_ _0\"></span>er Bilanz mit ihrem Fair Value angesetzt, w<span class=\"_ _0\"></span>obei Wert\u00e4nderungen des Gesch\u00e4ftsjah<span class=\"_ _1\"></span>res grunds\u00e4tz-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">lich sofort erfolgswirksa<span class=\"_ _0\"></span>m in der Gewinn- und<span class=\"_ _0\"></span> Verlust-Rechnung erfasst werden. Soweit die Fair<span class=\"_ _0\"></span>-Value-Option gem\u00e4\u00df IFRS 9<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">in Anspruch genommen w<span class=\"_ _0\"></span>ird, dient sie der Vermeidung bzw. der Beseitigung von Inkongru<span class=\"_ _0\"></span>enzen beim Ansatz und bei der <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Bewertung von V<span class=\"_ _0\"></span>erm\u00f6genswerten und Verbindlichkeiten. Dementsprechend<span class=\"_ _0\"></span> werden in diesem Fall Verm\u00f6genswerte und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten erfolgswirksam mit d<span class=\"_ _0\"></span>em Fair Value bewertet. Der Vorstand h<span class=\"_ _0\"></span>at eine Investmentstrategie beschlossen, in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">der diese Vorgangsweise festgeha<span class=\"_ _0\"></span>lten wurde, n\u00e4mlich Inkon<span class=\"_ _0\"></span>gruenzen durch die Anwendung der Fair<span class=\"_ _0\"></span>-Value-Option zu<span class=\"_ _0\"></span> ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">meiden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11c ff8 fs2 fc2 sc0 ls0 ws0\">Steuerabgrenzung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Der Ausweis und die Berechnung von<span class=\"_ _0\"></span> Ertragsteuern erfolgen gem\u00e4\u00df IAS 12. Die Berechnung erfolgt<span class=\"_ _0\"></span> bei jedem Steuersubjekt<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">zu den Steuers\u00e4tzen, die erwa<span class=\"_ _0\"></span>rtungsgem\u00e4\u00df in dem Besteueru<span class=\"_ _0\"></span>ngszeitraum angewendet w<span class=\"_ _0\"></span>erden, in dem sich die Steuerlatenz<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">umkehrt. F\u00fcr Verlustvortr\u00e4ge werden a<span class=\"_ _0\"></span>ktive latente Steuern angesetzt, wenn es wahrscheinlich ist<span class=\"_ _0\"></span>, dass in Zukunft mit steu-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">erbaren Gewinnen in entsp<span class=\"_ _0\"></span>rechender H\u00f6he der gl<span class=\"_ _0\"></span>eichen Gesellschaft zu rechnen<span class=\"_ _0\"></span> ist. Ertragsteueranspr\u00fcche bzw. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">-verpflichtungen w<span class=\"_ _0\"></span>erden in den Positionen Sonstige Aktiva bzw. Steuerschulden a<span class=\"_ _0\"></span>usgewiesen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y123 ff8 fs2 fc2 sc0 ls0 ws0\">Handelspassiva<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">In diesem Posten w<span class=\"_ _0\"></span>erden insbesondere negative Marktwerte aus derivativen Finan<span class=\"_ _0\"></span>zinstru<span class=\"_ _0\"></span>menten des Hand<span class=\"_ _0\"></span>elsbuchs und aus<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">offenen derivativen Finanzinst<span class=\"_ _0\"></span>rumenten des Bankbuchs ausgewiesen. Die Hand<span class=\"_ _0\"></span>elspassiva werden im Bilanzpost<span class=\"_ _0\"></span>en Sonstige<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Passiva ausgewiesen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y128 ff8 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fc<span class=\"_ _0\"></span>ber Kreditinstituten und Kunden<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungsko<span class=\"_ _0\"></span>sten angesetzt. Ausnahmen sind Grun<span class=\"_ _0\"></span>dgesch\u00e4fte, f\u00fcr die die Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Option in Anspruch geno<span class=\"_ _0\"></span>mmen wird.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y12c ff8 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten werd<span class=\"_ _0\"></span>en grunds\u00e4tzlich mit den fortgef\u00fchrt<span class=\"_ _0\"></span>en Anschaffungskosten bilanziert. S<span class=\"_ _1\"></span>oweit die Fair-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird, werden die verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten mit dem Fair Value bilanziert<span class=\"_ _0\"></span>. Langfris-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">tige, abgezinst begebene Schuldverschreibungen (Nu<span class=\"_ _0\"></span>llkuponanleihen) werden mit dem Barwert b<span class=\"_ _0\"></span>ilanziert. Der Betrag der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten wird um die Anschaffungskosten der im Eigenbestand<span class=\"_ _0\"></span> befindlichen Emissionen gek\u00fcrzt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y132 ff8 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h9 y133 ff8 fs2 fc2 sc0 ls0 ws0\">a) Personalr\u00fcckstellungen<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen werden<span class=\"_ _0\"></span> gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder fakt<span class=\"_ _0\"></span>ische Verpflichtung gegen\u00fcber Dritten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">besteht. S\u00e4mtliche Sozialkapitalr<span class=\"_ _0\"></span>\u00fcckstellungen (Pension<span class=\"_ _0\"></span>en, Abfertigungsverpflichtungen und Jubil\u00e4umsgelder) w<span class=\"_ _0\"></span>erden ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">m\u00e4\u00df IAS 19, basierend<span class=\"_ _0\"></span> auf versicherungsmathematischen Gutachten, ermit<span class=\"_ _0\"></span>telt. Dabei werden neben den am Bilanzst<span class=\"_ _0\"></span>ichtag <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">bekannten Renten und<span class=\"_ _0\"></span> erworbenen Anwartschaften auch d<span class=\"_ _0\"></span>ie k\u00fcnftig zu erwartenden Erh\u00f6hungen an Geh\u00e4lt<span class=\"_ _0\"></span>ern und Renten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">einbezogen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Der versicherungsmathemat<span class=\"_ _0\"></span>ischen Berechnung wurden f\u00fcr<span class=\"_ _0\"></span> s\u00e4mtliche R\u00fcckstellungen folgende Parameter zugrunde gelegt:<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 ha y58f ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rechnungszinsfu\u00df (lan<span class=\"_ _0\"></span>gfristiger Kapitalmarktzins) von 3,75 % (Vorjahr 1,25 %<span class=\"_ _0\"></span>);<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y533 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Gehaltserh\u00f6hun<span class=\"_ _0\"></span>gen von 2,84 % (Vorjahr 2,63 %) und Pensionserh\u00f6hung<span class=\"_ _0\"></span>en v<span class=\"_ _0\"></span>on 1,89 % (Vorjahr 1,67 %);<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y50b ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Entsprechend den \u00dcb<span class=\"_ _0\"></span>ergangsregelungen zur Pensionsreform liegt das ind<span class=\"_ _0\"></span>ividuell ermittelte Pensionsantrittsalter bei <span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x6 h5 y50c ff4 fs2 fc2 sc0 ls0 ws0\">M\u00e4nnern bei 65 Jahren<span class=\"_ _0\"></span>, bei Frauen zwischen 59 und 65 Jahren.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y50d ff4 fs2 fc2 sc0 ls0 ws0\">Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne bzw. Verlust<span class=\"_ _0\"></span>e aus Pensions- und Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellungen wurden im Gesch\u00e4ft<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y590 ff4 fs2 fc2 sc0 ls0 ws0\">jahr erfolgsneutral im so<span class=\"_ _0\"></span>nstigen Ergebnis erfasst<span class=\"_ _0\"></span>. <span class=\"_ _7\"> </span></div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">63<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y5f ff8 fs2 fc2 sc0 ls0 ws0\">b) Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcckstellungen werd<span class=\"_ _0\"></span>en gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder faktische Verpflicht<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>g gegen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">\u00fcber einem Dritten best<span class=\"_ _0\"></span>eht und es wahrscheinlich ist, dass diese Verpflichtung zu<span class=\"_ _0\"></span> einem Abfluss von Ressourcen f\u00fchren<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">wird. Die R\u00fcckstellungen werd<span class=\"_ _0\"></span>en mit jenem Wert angesetzt, der die bestm\u00f6gliche Sch\u00e4tzung der zur E<span class=\"_ _0\"></span>rf\u00fcllung der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Verpflichtung erford<span class=\"_ _0\"></span>erlichen Ausgabe darstellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y65 ff8 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Im Posten Sonstige Passiva werden p<span class=\"_ _0\"></span>assive Rechnungsabgrenzungsposten, Verbind<span class=\"_ _0\"></span>lichkeiten, die im Vergleich zu den <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen mit einem wesentlich h<span class=\"_ _0\"></span>\u00f6heren Grad an Sicherheit hinsichtlich der H\u00f6<span class=\"_ _0\"></span>he oder des <span class=\"_ _0\"></span>Zeitpunkt<span class=\"_ _0\"></span>s der Erf\u00fcllungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">verpflichtung ausgestattet sin<span class=\"_ _0\"></span>d, negative Marktwerte von geschlossenen Derivaten d<span class=\"_ _0\"></span>es Bankbuchs, sonstige Verpflichtun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">gen, die keinem anderen Bilanzpo<span class=\"_ _0\"></span>sten zugeordnet werden k\u00f6nnen<span class=\"_ _0\"></span>, sow<span class=\"_ _0\"></span>ie Leasingverbindlichkeiten nach IFRS 16 ausgewi<span class=\"_ _0\"></span><span class=\"lsc\">e-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">sen. Von Leasingnehmern erhalt<span class=\"_ _0\"></span>ene Mietsonderzahlun<span class=\"_ _0\"></span>gen und Depotzahlungen werden ab dem Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 31.12.2022<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">von den Leasingforderungen auf der Akt<span class=\"_ _0\"></span>ivseite abgezogen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11d ff8 fs2 fc2 sc0 ls0 ws0\">Eigenkapital<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Mit Beschluss der Haupt<span class=\"_ _0\"></span>versammlung vom 28.4.1999 erfolgte die Umstellung<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>es Grundkapitals von Schilling auf Euro s<span class=\"_ _0\"></span>owie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">von Nennbetragsaktien in n<span class=\"_ _0\"></span>ennwertlose St\u00fcckaktien. Bei der Kapitalerh\u00f6hung im Jahr<span class=\"_ _0\"></span> 2000 mit Beschluss der Hauptver<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">sammlung vom 27.4.2000 wur<span class=\"_ _0\"></span>de das Grundkapital von 58.160.000,00 Eu<span class=\"_ _0\"></span>ro auf 60.486.400,00 Euro<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>urch Ausgabe von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">320.000 St\u00fcck Stammaktien erh\u00f6<span class=\"_ _0\"></span>ht. Mit Beschluss der Hauptversammlung vo<span class=\"_ _0\"></span>m 22.4.2002 erfolgte eine Erh\u00f6hung d<span class=\"_ _0\"></span>es<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Grundkapitals aus Gesellschaftsmit<span class=\"_ _0\"></span>teln auf 70 Mio. Euro. Im Gesch\u00e4ft<span class=\"_ _0\"></span>sjahr 2006 wurde mit Beschluss d<span class=\"_ _0\"></span>er Hauptversamm-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">lung vom 9.5.2006 d<span class=\"_ _0\"></span>as Grundkapital durch Ausgabe von 640.000 St\u00fcck Stammakt<span class=\"_ _0\"></span>ien auf 75.384.615,38 Eur<span class=\"_ _0\"></span>o erh\u00f6ht. Mit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Beschluss der Hauptversammlung vom 14.5.2007 erfolgt<span class=\"_ _0\"></span>e eine Erh\u00f6hung des Gr<span class=\"_ _0\"></span>undkapitals durch Ausgabe von 40.000 St\u00fc<span class=\"_ _0\"></span>ck<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Stammaktien auf 75.721.153,84 Eu<span class=\"_ _0\"></span>ro (bedin<span class=\"_ _0\"></span>gte Kapitalerh\u00f6hung). Im Gesch\u00e4ftsjahr 2008 wurde ab<span class=\"_ _0\"></span>ermals eine bedingte Ka-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">pitalerh\u00f6hung durch Au<span class=\"_ _0\"></span>sgabe von 30.000 St\u00fcck Stammaktien vorgeno<span class=\"_ _0\"></span>mmen. Dadurch erh\u00f6hte sich das Grund<span class=\"_ _0\"></span>kapital auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">75.973.557,69 Euro. Mit<span class=\"_ _0\"></span> Beschluss vom 27.5.2008 erfolgten ein Akti<span class=\"_ _0\"></span>ensplit im Verh\u00e4ltnis 1:3 u<span class=\"_ _0\"></span>nd eine Kapitalerh\u00f6hung aus<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">Gesellschaftsmitteln, die das Grun<span class=\"_ _0\"></span>dkapital auf 81.270.000,00 Euro erh\u00f6hte. M<span class=\"_ _0\"></span>it Beschluss des Vorstands vom 30.9.2009<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">wurde im Oktober 2009 eine Kapit<span class=\"_ _0\"></span>alerh\u00f6hung im Verh\u00e4ltnis 1:16 durchgef\u00fch<span class=\"_ _0\"></span>rt, wodurch <span class=\"_ _0\"></span>sich das Grundkap<span class=\"_ _0\"></span>ital auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">86.349.375,00 Euro erh<span class=\"_ _0\"></span>\u00f6hte.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">In der 132. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 8.5.2012 wu<span class=\"_ _0\"></span>rde der Vorstand erm\u00e4chtigt, das <span class=\"_ _1\"></span>Grundkapi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">tal binnen f\u00fcnf Jahren a<span class=\"_ _0\"></span>b Eintragung der entsprechenden Sat<span class=\"_ _0\"></span>zungs\u00e4nderung im Firmenbuch <span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tr<span class=\"_ _0\"></span>an-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">chen <span class=\"ff9\">\u2013</span> um bis zu 750.000,00 E<span class=\"_ _0\"></span>uro durch Ausgabe von bis zu 250.000 St\u00fcck neu<span class=\"_ _0\"></span>en, auf Inhaber lauten<span class=\"_ _0\"></span>den Stamm<span class=\"_ _0\"></span>-St\u00fcckakt<span class=\"_ _0\"></span>ien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">zu erh\u00f6hen. Diese Kapitalerh<span class=\"_ _0\"></span>\u00f6hung durch Ausgabe von Aktien gegen Ausschluss des Bezugsrechts <span class=\"_ _0\"></span>der Aktion\u00e4rIn<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>en dient<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">der Ausgabe von Aktien an<span class=\"_ _0\"></span> ArbeitnehmerInnen, leitende Angestellte, die Belegschaftsb<span class=\"_ _0\"></span>eteiligungsprivatstiftung der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG und Mit<span class=\"_ _0\"></span>glieder des Vorstands der Gesellschaft oder eines mit ihr<span class=\"_ _0\"></span> verbundenen Unternehmens. Weiters wurde<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">der Vorstand in<span class=\"_ _0\"></span> der angef\u00fchrten Hauptversammlung erm\u00e4chtigt, binnen f\u00fcn<span class=\"_ _0\"></span>f Jahren ab Eintragung der entsprechend<span class=\"_ _0\"></span>en Sat-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">zungs\u00e4nderung im Firmenbu<span class=\"_ _0\"></span>ch <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tran<span class=\"_ _0\"></span>chen <span class=\"ff9\">\u2013</span> das Grund<span class=\"_ _0\"></span>kapital der Gesellschaft gegen Bareinlagen um<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">bis zu 9.375.000,00 Eur<span class=\"_ _0\"></span>o durch Ausgabe von bis zu<span class=\"_ _0\"></span> 3.125.000 St\u00fcck auf Inhab<span class=\"_ _0\"></span>er lautenden Stamm-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 23.5.2015 im Ausma\u00df v<span class=\"_ _0\"></span>on 1.918.875 St\u00fcck Oberban<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>-Stamm-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht (Kapitalerh\u00f6hung 2015, Nr<span class=\"_ _0\"></span>. 1). Der Au<span class=\"_ _0\"></span>sgabepreis hat 47,43 Euro je Aktie betr<span class=\"_ _0\"></span>agen. Die durch  </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Bareinlagen und ohn<span class=\"_ _0\"></span>e Ausschluss von Bezugsrechten erfolgte Kapitalerh\u00f6hung erh<span class=\"_ _0\"></span>\u00f6hte das Grundkapital auf 92.106.000,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">Euro und die gebundene Kap<span class=\"_ _0\"></span>italr\u00fccklage auf 280.001.715,06 E<span class=\"_ _0\"></span>uro.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">In der 135. Ord<span class=\"_ _0\"></span>entlichen Hauptversammlung der Oberb<span class=\"_ _0\"></span>ank AG am 19.5.2015 wurde die in der 132. Ordent<span class=\"_ _0\"></span>lichen <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Hauptversammlung am 8.5.2012 erteilte E<span class=\"_ _0\"></span>rm\u00e4chtigung im bis dahin nicht ausgen\u00fctzt<span class=\"_ _0\"></span>en Umfang widerrufen und der Vor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">stand erm\u00e4chtigt, binnen f\u00fcnf Jahren a<span class=\"_ _0\"></span>b Eintragun<span class=\"_ _0\"></span>g der entsprechenden Satzungs\u00e4n<span class=\"_ _0\"></span>derung im Firmenbuch <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> allenfalls in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">mehreren Tranchen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> das Grundkapital der Gesellschaft gegen Bar<span class=\"_ _0\"></span>einlagen um bis zu 10.500.000,00 Eu<span class=\"_ _0\"></span>ro durch Ausgabe von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">bis zu 3.500.000 St\u00fcck auf In<span class=\"_ _0\"></span>haber lautenden Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.  <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">64<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 8.9.2015 im Ausma\u00df v<span class=\"_ _0\"></span>on 1.535.100 St\u00fcck Oberban<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>-Stamm-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht (Kapitalerh\u00f6hung 2015, Nr<span class=\"_ _0\"></span>. 2). Der Ausgabepreis hat 48,03 Euro je Aktie b<span class=\"_ _0\"></span>etragen. Durch<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">diese Kapitalerh\u00f6hun<span class=\"_ _0\"></span>g erh\u00f6hte sich das Grundkapital au<span class=\"_ _0\"></span>f 96.711.300,00 Euro und die gebund<span class=\"_ _0\"></span>ene Kapitalr\u00fccklage auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">349.127.268,06 Euro.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">In der 136. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 18.5.2016 wu<span class=\"_ _0\"></span>rde die in der 135. Ordentlichen <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Hauptversammlung am 19.5.2015 er<span class=\"_ _0\"></span>teilte Erm\u00e4chtigung zu<span class=\"_ _0\"></span>r Erh\u00f6hung des Grundkapit<span class=\"_ _0\"></span>als im bis dahin nicht ausgen\u00fctzten <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Umfang widerrufen und d<span class=\"_ _0\"></span>er Vorstand gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren<span class=\"_ _0\"></span> ab Eintragung der entsprechenden Sat-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">zungs\u00e4nderung im Firmenbu<span class=\"_ _0\"></span>ch <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tran<span class=\"_ _0\"></span>chen <span class=\"ff9\">\u2013</span> das Grund<span class=\"_ _0\"></span>kapital der Gesellschaft gegen Bareinlagen um<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">bis zu 10.500.000,00 Eur<span class=\"_ _0\"></span>o durch Ausgabe von bis zu 3.500.000 St\u00fcck au<span class=\"_ _0\"></span>f Inhaber lautenden Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 26.9.2016 im Aus<span class=\"_ _0\"></span>ma\u00df v<span class=\"_ _0\"></span>on 3.070.200 St\u00fcck Oberb<span class=\"_ _0\"></span>ank-Stamm-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht. Der Ausgabepreis hat 53,94 Euro je Akt<span class=\"_ _0\"></span>ie betragen. Durch diese durch Bareinlagen und ohne<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Ausschluss von Bezugsrechten<span class=\"_ _0\"></span> erfolgte Kapitalerh\u00f6hung erh\u00f6hten sich das<span class=\"_ _0\"></span> Grundkapital um 9.210.600<span class=\"_ _0\"></span>,00 Euro<span class=\"_ _0\"></span> auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">105.921.900,00 Euro und d<span class=\"_ _0\"></span>ie gebundene Kapitalr\u00fccklage um 156.395.988,00 Euro<span class=\"_ _0\"></span> auf 505.523.256,06 Euro<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">In der 137. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 16.5.2017 wu<span class=\"_ _0\"></span>rde die in der 136. Ordentlichen <span class=\"_ _1\"></span>Hauptver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">sammlung am 18.5.2016 erteilt<span class=\"_ _0\"></span>e Erm\u00e4chtigun<span class=\"_ _0\"></span>g zur Erh\u00f6hung des Grund<span class=\"_ _0\"></span>kapitals im bis dahin nicht ausgen\u00fctzten Umfang<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">widerrufen und der Vorstand<span class=\"_ _0\"></span> gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren ab Eintragung d<span class=\"_ _0\"></span>er entsprechenden Satzungs\u00e4nde-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">rung im Firmenbuch <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> allenfalls in mehreren Tranchen<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> das Grundkapital d<span class=\"_ _0\"></span>er Gesellschaft gegen Bareinlagen um bis zu<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">10.500.000,00 Euro durch A<span class=\"_ _0\"></span>usgabe von bis zu 3.500.000 St\u00fcck au<span class=\"_ _0\"></span>f Inhaber lautende Stamm<span class=\"_ _0\"></span>-St\u00fc<span class=\"_ _0\"></span>ckaktien zu erh\u00f6hen.  Wei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">ters wurde die in der 132. Orden<span class=\"_ _0\"></span>tlichen Hauptversammlung am 8.5.2012 erteilt<span class=\"_ _0\"></span>e Erm\u00e4ch<span class=\"_ _0\"></span>tigung zur Erh\u00f6hu<span class=\"_ _0\"></span>ng des Grundkapi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">tals widerrufen und der Vor<span class=\"_ _0\"></span>stand gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren<span class=\"_ _0\"></span> ab Eintragung der entsprechenden Satzun<span class=\"_ _0\"></span>gs\u00e4n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">derung im Firmenbuch<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tranchen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> das Grundkapital um bis zu<span class=\"_ _0\"></span> 750.000,00 Euro durch Ausgabe von<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">bis zu 250.000 St\u00fcck neuen,<span class=\"_ _0\"></span> auf Inhaber lautende Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen. Die Kapitalerh\u00f6hung durch Ausgab<span class=\"_ _0\"></span>e von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Aktien gegen Ausschluss d<span class=\"_ _0\"></span>es Bezugsrechts der Aktion\u00e4rInnen dient der Ausgabe v<span class=\"_ _0\"></span>on Aktien an ArbeitnehmerInnen, leiten<span class=\"_ _1\"></span>de<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">Angestellte, die Belegschaftsbeteiligungsp<span class=\"_ _0\"></span>rivatstiftung der Oberbank AG und M<span class=\"_ _0\"></span>itglieder des Vorstands der Gesellschaft oder<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">eines mit ihr verbunden<span class=\"_ _0\"></span>en Unternehmens. Von diesen Erm\u00e4chtigungen wurde bis dato kein <span class=\"_ _1\"></span>Gebrauch gemacht.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Das Grundkapital ist ein<span class=\"_ _0\"></span>geteilt in 35.307.300 auf den Inh<span class=\"_ _0\"></span>aber lautende Stamm-St<span class=\"_ _0\"></span>\u00fcckaktien. In der am 9.6.2020 statt<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">gefundenen Versammlung d<span class=\"_ _0\"></span>er Vorzugsaktion\u00e4re der Oberbank AG wurd<span class=\"_ _0\"></span>e mit Sonderbeschluss gem. \u00a7 129 Abs. 3 AktG dem<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Hauptversammlungsbeschluss vom 20.5.2020 zugestimmt,<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>er die Umwandlung s\u00e4mt<span class=\"_ _0\"></span>licher bestehender Vorzugsaktien in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Stammaktien der Oberb<span class=\"_ _0\"></span>ank AG durch Aufhebung des Vorzugs gem\u00e4\u00df \u00a7 129 Abs. <span class=\"_ _0\"></span>1 AktG und die diesbez\u00fcgliche \u00c4nderun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">der Satzung in \u00a7 4 zu<span class=\"_ _0\"></span>m Gegenstand hatte. Die Umwandlung der Vorzugsaktien in St<span class=\"_ _0\"></span>ammak<span class=\"_ _0\"></span>tien wurde mit Eintr<span class=\"_ _0\"></span>agung der  </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">beschlossenen Satzun<span class=\"_ _0\"></span>gs\u00e4nderung der Oberbank AG im Firmenbu<span class=\"_ _0\"></span>ch am 7.11.2020 wirksam.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Die Anzahl der direkt oder \u00fcb<span class=\"_ _0\"></span>er assoziierte Unternehmen gehaltenen eigenen Ant<span class=\"_ _0\"></span>eile betr\u00e4gt zum Stichtag 11.723.202<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">St\u00fcck. In der Kapitalr\u00fccklage ist d<span class=\"_ _0\"></span>er Mehrerl\u00f6s (Agio), der bei der Ausgabe eigener Aktien erzielt w<span class=\"_ _0\"></span>ird, enthalten. Die Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">winnr\u00fccklagen nehmen die t<span class=\"_ _0\"></span>hesaurierten Gewinne des Konzerns sowie s\u00e4mt<span class=\"_ _0\"></span>liche erfolgswirksamen Konsolidierungsma\u00dfnah-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">men auf. Die Bewertun<span class=\"_ _0\"></span>gsr\u00fccklagen nehmen die Bew<span class=\"_ _0\"></span>ertungs\u00e4nderungen aus den Schu<span class=\"_ _0\"></span>ldtiteln mit Reklassifizierung, Eigenka-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">pitalinstrumenten ohne Reklassifizierung un<span class=\"_ _0\"></span>d dem eigenen Kreditrisiko auf. Die R\u00fc<span class=\"_ _0\"></span>cklagen aus assoziierten Unternehmen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">stellen den Unterschiedsbetr<span class=\"_ _0\"></span>ag zwischen den historischen An<span class=\"_ _0\"></span>schaffungsko<span class=\"_ _0\"></span>sten und den Equity<span class=\"_ _0\"></span>-Buchwerten der assoziierten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Unternehmen dar.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y4c3 ff8 fs2 fc2 sc0 ls0 ws0\">Zus\u00e4tzliche Eigenkapitalbestandteile<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank AG hat bisher zwei Emissionen<span class=\"_ _0\"></span> von Additional Tier 1 Anleihen mit einem Gesam<span class=\"_ _0\"></span>tvolumen von 50 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">begeben. Diese Emissionen sind <span class=\"_ _0\"></span>nachrangig zu T<span class=\"_ _0\"></span>ier 2 Instrumenten (Erg\u00e4nzungskapital, Na<span class=\"_ _0\"></span>chrangkapital) und Senior<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Anleihen. Sie sind untereinand<span class=\"_ _0\"></span>er sowie mit anderen Additional Tier 1 Instrumenten<span class=\"_ _0\"></span> sowie mit Verbindlichkeiten aus <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">bestehenden Hybridkap<span class=\"_ _0\"></span>italinstrumenten gleichrangig.  <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">65<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Vorrangig sind sie zu Akt<span class=\"_ _0\"></span>ien und anderen harten Kernkapitalinstru<span class=\"_ _0\"></span>menten. Die Zinszahlungen bemessen sich am Nominalb<span class=\"_ _0\"></span>e-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">trag und sind bis zu<span class=\"_ _0\"></span>m erstm\u00f6glichen vorzeitigen R\u00fcckzahlungstag fix. Anschlie\u00dfend erfo<span class=\"_ _0\"></span>lgt eine Umstellung auf var<span class=\"_ _0\"></span>iable<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Zinss\u00e4tze. Zinsen d\u00fcrfen<span class=\"_ _0\"></span> nur aus aussch\u00fc<span class=\"_ _0\"></span>ttungsf\u00e4higen Posten gezahlt werden. Die Emittentin<span class=\"_ _0\"></span> hat das Recht, Zinszahlungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">nach eigenem Ermessen entfallen zu<span class=\"_ _0\"></span> lassen. Eine Nachzahlun<span class=\"_ _0\"></span>g ausgefallener Zinsen darf nicht erfolgen.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Die Anleihen haben eine unb<span class=\"_ _0\"></span>egrenzte Laufzeit, k\u00f6nnen jedo<span class=\"_ _0\"></span>ch von d<span class=\"_ _0\"></span>er Oberbank AG zum fixierten ersten vorzeitigen  </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckzahlungstag gek\u00fcndigt w<span class=\"_ _0\"></span>erden und danach alle f\u00fcnf Jahr<span class=\"_ _0\"></span>e jeweils zum Kupontermin. Besondere K\u00fcndigun<span class=\"_ _0\"></span>gsrechte hat<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">die Emittentin, falls sich die au<span class=\"_ _0\"></span>fsichtsrechtliche Einstufung oder die steuerliche <span class=\"_ _0\"></span>Behan<span class=\"_ _0\"></span>dlung der betreffenden Anleihe \u00e4ndert.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Jede vorzeitige K\u00fcndigung erfordert<span class=\"_ _0\"></span> jedoch die vorherige Zustimmung der zust\u00e4ndigen Au<span class=\"_ _0\"></span>fsichtsbeh\u00f6rde. Eine K\u00fcndigung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">durch die Anleihegl\u00e4ubigerInnen ist au<span class=\"_ _0\"></span>sgeschlossen. Bei Unterschreiten der harten Kernkapitalqu<span class=\"_ _1\"></span>ote der Emittentin oder der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Gruppe von<span class=\"_ _0\"></span> 5,125 % wird das Nominale der Anleihe im erforderlichen Ausma\u00df<span class=\"_ _0\"></span> abgeschrieben. Unter bestimmten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">gesetzlichen Bestimmungen kann<span class=\"_ _0\"></span> das Nominale wieder zugeschrieben werden.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y11b ff8 fs2 fc2 sc0 ls0 ws0\">2.11) Wesentliche Ereignisse seit dem E<span class=\"_ _0\"></span>nde d<span class=\"_ _0\"></span>es Gesch\u00e4ftsjahres<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Nach dem Ende des Gesch\u00e4ft<span class=\"_ _0\"></span>sjahres 2022 ist es zu keinen wesentlichen Ereignissen gekomme<span class=\"_ _0\"></span>n.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _7\"> </span> </div></div>Konzernabschlu<span class=\"_ _0\"></span>ss 66<span class=\"ls0\"> </span>Details zur Konzern-Gewinn- u<span class=\"_ _0\"></span>nd Verlust - <span class=\"ffc\">Rec<span class=\"_ _0\"></span>hnung in Tsd. \u20ac</span> 3) Zinsergebnis<span class=\"_ _128\"> </span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span> Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span> 495.394<span class=\"_ _128\"> </span> 346.872<span class=\"_ _128\"> </span> Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> 6.459<span class=\"_ _128\"> </span> 1.415<span class=\"_ _128\"> </span> Sonstigen Beteiligungen<span class=\"_ _128\"> </span> 4.440<span class=\"_ _128\"> </span> 7.580<span class=\"_ _128\"> </span> Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span> 1.488<span class=\"_ _128\"> </span> 1.943<span class=\"_ _128\"> </span> Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span> 33.125<span class=\"_ _128\"> </span> 31.477<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span> 540.906<span class=\"_ _128\"> </span> 389.287<span class=\"_ _128\"> </span> Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span> Einlagen<span class=\"_ _128\"> </span> -99.484<span class=\"_ _128\"> </span> -10.509<span class=\"_ _128\"> </span> Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span> -22.401<span class=\"_ _128\"> </span> -17.909<span class=\"_ _128\"> </span> Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> -12.866<span class=\"_ _128\"> </span> -13.590<span class=\"_ _128\"> </span> Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span> -<span class=\"ls2\">95</span> -1.222<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span> -134.846<span class=\"_ _128\"> </span> -43.230<span class=\"_ _128\"> </span> Zinsergebnis  406.060<span class=\"_ _128\"> </span> 346.057<span class=\"_ _128\"> </span> Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>. Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span> <span class=\"_ _0\"></span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span>halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von 35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span>4) Ergebnis aus at Equity bewerteten Unternehmen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ertr\u00e4ge aus anteiligen Ergebnissen<span class=\"_ _0\"></span> 145.293<span class=\"_ _128\"> </span> 93.674<span class=\"_ _128\"> </span> Aufwendungen au<span class=\"_ _0\"></span>s Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span> -54.640<span class=\"_ _128\"> </span> 6.459<span class=\"_ _128\"> </span> Ertr\u00e4ge aus Zuschreibungen a<span class=\"_ _0\"></span>nl\u00e4sslich Zukauf<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> Ergebnis aus at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen<span class=\"_ _128\"> </span> 90.653<span class=\"_ _128\"> </span> 100.133<span class=\"_ _128\"> </span> 5) Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> -117.079<span class=\"_ _128\"> </span> -101.325<span class=\"_ _128\"> </span> Direktabschreibungen<span class=\"_ _128\"> </span> -1.325<span class=\"_ _128\"> </span> -1.437<span class=\"_ _128\"> </span> Aufl\u00f6sungen zu R<span class=\"_ _0\"></span>isikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> 71.190<span class=\"_ _128\"> </span> 66.241<span class=\"_ _128\"> </span> Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen<span class=\"_ _128\"> </span> 2.202<span class=\"_ _128\"> </span> 2.422<span class=\"_ _128\"> </span> Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> 41<span class=\"ls0\"> </span>70<span class=\"ls0\"> </span>Ergebnis aus POCI Finanzinst<span class=\"_ _0\"></span>rumenten<span class=\"_ _128\"> </span> 3.489<span class=\"_ _128\"> </span> -1.684<span class=\"_ _128\"> </span> Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> -41.482<span class=\"_ _128\"> </span> -35.713<span class=\"_ _128\"> </span> Das Ergebnis <span class=\"_ _5\"></span>aus <span class=\"_ _5\"></span>nicht signifikanten <span class=\"_ _5\"></span>Modifikationen <span class=\"_ _5\"></span>der vertragl<span class=\"_ _5\"></span>ichen Zahlungsstr\u00f6me vo<span class=\"_ _5\"></span>n fin<span class=\"_ _5\"></span>anziellen Verm\u00f6genswerten, die<span class=\"_ _128\"> </span> nicht zu einer Ausbu<span class=\"_ _0\"></span>chung gef\u00fchrt haben, stellt sich in nachfolgender Tab<span class=\"_ _0\"></span>elle dar:<span class=\"_ _128\"> </span> Stage 1 Stage 2 Stage 3<span class=\"_ _128\"> </span> Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4ftsjahr 20<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span> 12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>POCI Gesamt<span class=\"_ _128\"> </span> Fortgef\u00fchrte Ansch<span class=\"_ _0\"></span>affungskosten vor Modifikationen<span class=\"_ _128\"> </span> 97.417 29.799 15.481<span class=\"_ _128\"> </span> 0 142.697<span class=\"_ _128\"> </span> Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> 14<span class=\"ls0\"> </span>254<span class=\"ls0\"> </span>-<span class=\"ls2\">190</span> 0<span class=\"_ _128\"> </span> 78<span class=\"ls0\"> </span>1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span><span class=\"ls20\"> </span>Saldo aus mark<span class=\"_ _5\"></span>t- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span>Stage 1 Stage 2 Stage 3<span class=\"_ _128\"> </span> Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4f<span class=\"_ _0\"></span>tsjahr 2021<span class=\"_ _0\"></span> 12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>POCI Gesamt<span class=\"_ _128\"> </span> Fortgef\u00fchrte Anschaffun<span class=\"_ _0\"></span>gskosten vor Modifikationen<span class=\"_ _128\"> </span> 36.486 56.206 18.124<span class=\"_ _128\"> </span> 0 110.816<span class=\"_ _128\"> </span> Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> -<span class=\"ls2\">995</span> -<span class=\"ls2\">189</span> -<span class=\"ls2\">57</span> 0<span class=\"_ _128\"> </span> -1.201<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span><span class=\"ls20\"> </span>Saldo aus markt<span class=\"_ _5\"></span>- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span>Konzernabschlu<span class=\"_ _0\"></span>ss 67<span class=\"ls0\"> </span><table class=\"s w2d2 h175\" id=\"_e76b0861-769a-40b4-91f1-e69cb2483354\"><tr><td class=\"c x1ef y1179 w73 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">6) Provisionsergebnis<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1179 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1179 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y117a w73 h2a\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge:<span class=\"_ _128\"> </span> </div></td><td></td><td></td></tr><tr><td class=\"c x1ef y117b w73 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungsverkehr<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117b w81 hc\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">70.087<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117b w82 hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.423<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117c w73 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiergesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117c w81 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">80.055<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117c w82 hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">76.559<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117d w73 h12\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Devisen-, Sorten<span class=\"_ _0\"></span>- und Edelmetallgesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117d w81 h12\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.378<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117d w82 h12\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.943<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117e w73 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117e w81 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">46.902<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117e w82 hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.627<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117f w73 h12\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges Dienstleistun<span class=\"_ _0\"></span>gs- und Beratungsgesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117f w81 h12\"><div class=\"t m0 x36 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.801<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117f w82 h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.276<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1180 w73 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge gesamt<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1180 w81 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">227.223<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1180 w82 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">212.828 </div></td></tr><tr><td class=\"c x1ef y1181 w73 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1181 w81 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1181 w82 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ff4 ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1182 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungsverkehr </div></td><td class=\"c x1f0 y1182 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">5.709 </div></td><td class=\"c x1f1 y1182 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.523 </div></td></tr><tr><td class=\"c x1ef y1183 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiergesch\u00e4ft </div></td><td class=\"c x1f0 y1183 w81 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">8.919 </div></td><td class=\"c x1f1 y1183 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.564 </div></td></tr><tr><td class=\"c x1ef y1184 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Devisen-<span class=\"ls4\">, </span>Sorten- und Ed<span class=\"_ _0\"></span>elmetallgesch\u00e4ft </div></td><td class=\"c x1f0 y1184 w81 hf\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">684<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1184 w82 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">605<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1185 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft </div></td><td class=\"c x1f0 y1185 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.578 </div></td><td class=\"c x1f1 y1185 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.990 </div></td></tr><tr><td class=\"c x1ef y1186 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges Dienstleistun<span class=\"_ _0\"></span>gs- und Beratungsgesch\u00e4ft </div></td><td class=\"c x1f0 y1186 w81 hf\"><div class=\"t m0 x10 h5 y84 ff4 fs2 fc2 sc0 ls2 ws0\">471<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1186 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.195 </div></td></tr><tr><td class=\"c x1ef y1187 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen gesamt </div></td><td class=\"c x1f0 y1187 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">20.361 </div></td><td class=\"c x1f1 y1187 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.877 </div></td></tr><tr><td class=\"c x1ef y1188 w73 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsergebnis </div></td><td class=\"c x1f0 y1188 w81 hd\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">206.862 </div></td><td class=\"c x1f1 y1188 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">191.951 </div></td></tr><tr><td class=\"c x1f2 y1189 w3 h3\"><div class=\"t m0 x3 h17 y5c0 ff4 fs4 fc2 sc0 ls0 ws0\">Darin ent<span class=\"_ _5\"></span>halten ist ei<span class=\"_ _5\"></span>n Ertrag in H\u00f6he von 5.535 Tsd. <span class=\"_ _5\"></span>Euro (Vorjah<span class=\"_ _5\"></span>r 5.115 Tsd. Euro<span class=\"_ _5\"></span>) aus Verm\u00f6gens<span class=\"_ _5\"></span>verwaltun<span class=\"_ _5\"></span>g f\u00fcr fre<span class=\"_ _5\"></span>mde Rechnung. </div><div class=\"t m0 x3 h5 y24b ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w2d0 h176\" id=\"_4745cc65-23aa-4b55-860f-c046c6ed9ddd\"><tr><td class=\"c x174 y118a w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">7) Handelsergebnis </div></td><td class=\"c x1e7 y118a w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y118a w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y118b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinne/Verluste aus zinsb<span class=\"_ _0\"></span>ezogenen Gesch\u00e4ften </div></td><td class=\"c x1e7 y118b w81 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.647 </div></td><td class=\"c x1e8 y118b w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.303 </div></td></tr><tr><td class=\"c x174 y118c w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinne/Verluste aus Devisen<span class=\"_ _0\"></span>-, Valuten- und<span class=\"_ _0\"></span> M\u00fcnzengesch\u00e4ft </div></td><td class=\"c x1e7 y118c w81 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.928 </div></td><td class=\"c x1e8 y118c w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.945 </div></td></tr><tr><td class=\"c x174 y118d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinne/Verluste aus Derivaten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y118d w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.819 </div></td><td class=\"c x1e8 y118d w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.516 </div></td></tr><tr><td class=\"c x174 y118e w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x1e7 y118e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.100 </div></td><td class=\"c x1e8 y118e w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.764 </div></td></tr></table><table class=\"s w2d3 h177\" id=\"_fb9fec9b-b7d8-4d64-be27-20f41ff4526f\"><tr><td class=\"c x1ef y118f w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">8) Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y118f w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y118f w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1190 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Personalaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1190 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">193.378<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1190 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">192.518<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1191 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere Verwaltungsaufwendungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1191 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">97.552<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1191 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.573<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1192 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen und Wertb<span class=\"_ _0\"></span>erichtigungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1192 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">29.401<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1192 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1193 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1193 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">320.331<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1193 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">313.568<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1f2 y1194 w3 h3\"><div class=\"t m0 x3 h17 y5c8 ff4 fs4 fc2 sc0 ls0 ws0\">Die Pensio<span class=\"_ _5\"></span>nskassenbeitr\u00e4ge b<span class=\"_ _5\"></span>eliefen sich <span class=\"_ _5\"></span>auf 3.841 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 3.888 Tsd. Euro)<span class=\"_ _5\"></span>. </div><div class=\"t m0 x3 h5 y5c9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w2d4 h178\" id=\"_e0097227-39fa-4533-ae94-d936fa354b48\"><tr><td class=\"c x174 y1195 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">9) Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1195 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1195 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1196 w76 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Ergebnis aus finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerten FV/PL </div></td><td class=\"c x1e7 y1196 w81 h12\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.732 </div></td><td class=\"c x1e8 y1196 w75 h12\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.398 </div></td></tr><tr><td class=\"c x174 y1197 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus d<span class=\"_ _0\"></span>esignierten Finanzinstrumenten </div></td><td class=\"c x1e7 y1197 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.355 </div></td><td class=\"c x1e8 y1197 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.301 </div></td></tr><tr><td class=\"c x174 y1198 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus verpflichtend<span class=\"_ _0\"></span> zum FV/PL bewerteten Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1198 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-24.377 </div></td><td class=\"c x1e8 y1198 w75 h6b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.699 </div></td></tr><tr><td class=\"c x174 y1199 w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Ergebnis aus fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten FV/OCI </div></td><td class=\"c x1e7 y1199 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.198 </div></td><td class=\"c x1e8 y1199 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.195 </div></td></tr><tr><td class=\"c x174 y119a w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Bewertung von <span class=\"_ _0\"></span>Fremdkapitalinstru<span class=\"_ _0\"></span>menten </div></td><td class=\"c x1e7 y119a w81 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">859</span> </div></td><td class=\"c x1e8 y119a w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">716</span> </div></td></tr><tr><td class=\"c x174 y119b w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Ver\u00e4u\u00df<span class=\"_ _0\"></span>erung und Ausbuchung von Fremdkapitalinstr<span class=\"_ _0\"></span>umenten </div></td><td class=\"c x1e7 y119b w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.339 </div></td><td class=\"c x1e8 y119b w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">479</span> </div></td></tr><tr><td class=\"c x174 y119c w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Ergebnis aus finanziellen Verm\u00f6genswerten<span class=\"_ _0\"></span> AC </div></td><td class=\"c x1e7 y119c w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y119c w75 h6b\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119d w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Sonstiger betrieblicher Erfo<span class=\"_ _0\"></span>lg </div></td><td class=\"c x1e7 y119d w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.672 </div></td><td class=\"c x1e8 y119d w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.961 </div></td></tr><tr><td class=\"c x174 y119e w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Ertr\u00e4ge:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y119e w81 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">32.907<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y119e w75 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">37.419<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119f w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus operationellen Risiken </div></td><td class=\"c x1e7 y119f w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.325 </div></td><td class=\"c x1e8 y119f w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.027 </div></td></tr><tr><td class=\"c x174 y11a0 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4u\u00dferungsgewinne Grund<span class=\"_ _0\"></span>st\u00fccke und Geb\u00e4ude </div></td><td class=\"c x1e7 y11a0 w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y11a0 w75 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y11a1 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Private Equity <span class=\"_ _0\"></span>Investments </div></td><td class=\"c x1e7 y11a1 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.109 </div></td><td class=\"c x1e8 y11a1 w75 h6b\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11a2 w76 h6c\"><div class=\"t m0 x59 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Operate Leasing<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a2 w81 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">10.466 </div></td><td class=\"c x1e8 y11a2 w75 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">13.788 </div></td></tr><tr><td class=\"c x174 y11a3 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Ertr\u00e4ge aus dem <span class=\"_ _0\"></span>Leasingteilkonzern </div></td><td class=\"c x1e7 y11a3 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.940 </div></td><td class=\"c x1e8 y11a3 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.445 </div></td></tr><tr><td class=\"c x174 y11a4 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bankfremde Vermittlun<span class=\"_ _0\"></span>gsprovisionen </div></td><td class=\"c x1e7 y11a4 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.752 </div></td><td class=\"c x1e8 y11a4 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.134 </div></td></tr><tr><td class=\"c x174 y11a5 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges </div></td><td class=\"c x1e7 y11a5 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.315 </div></td><td class=\"c x1e8 y11a5 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.889 </div></td></tr><tr><td class=\"c x174 y11a6 w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Aufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a6 w81 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">49.579</span> </div></td><td class=\"c x1e8 y11a6 w75 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">56.380</span> </div></td></tr><tr><td class=\"c x174 y11a7 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s operationellen Risiken </div></td><td class=\"c x1e7 y11a7 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.451 </div></td><td class=\"c x1e8 y11a7 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.680 </div></td></tr><tr><td class=\"c x174 y11a8 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stabilit\u00e4tsabgabe </div></td><td class=\"c x1e7 y11a8 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.758 </div></td><td class=\"c x1e8 y11a8 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.881 </div></td></tr><tr><td class=\"c x174 y11a9 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Abwicklungsfon<span class=\"_ _0\"></span>ds </div></td><td class=\"c x1e7 y11a9 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.333 </div></td><td class=\"c x1e8 y11a9 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.960 </div></td></tr><tr><td class=\"c x174 y11aa w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Einlagensicherungsfonds </div></td><td class=\"c x1e7 y11aa w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.317 </div></td><td class=\"c x1e8 y11aa w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.440 </div></td></tr><tr><td class=\"c x174 y11ab w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Operate Leasing </div></td><td class=\"c x1e7 y11ab w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.331 </div></td><td class=\"c x1e8 y11ab w75 h6b\"><div class=\"t m0 x4a h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">-14.046 </div><div class=\"t m0 x7 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x31 h5 y5de ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr></table><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">68<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w76 h6b gscd\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aufwendun<span class=\"_ _0\"></span>gen aus dem Leasingteilkonzern<span class=\"_ _128\"> </span> </div></div><div class=\"c w81 h6b gsce\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.998<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 h6b gscf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.840<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 h6c gsd0\"><div class=\"t m0 x59 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges<span class=\"_ _128\"> </span> </div></div><div class=\"c w81 h6c gsd1\"><div class=\"t m0 x42 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">-4.391<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 h6c gsd2\"><div class=\"t m0 x42 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">-3.533<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 h12 gsd3\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Saldo sonst<span class=\"_ _0\"></span>ige betriebliche Ertr\u00e4ge / Aufwendungen<span class=\"_ _0\"></span> </div></div><div class=\"c w81 h12 gsd4\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-52.602<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 h12 gsd5\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.737<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h17 y5e0 ff4 fs4 fc2 sc0 ls0 ws0\">Im Ge<span class=\"_ _5\"></span>sch\u00e4ftsjah<span class=\"_ _5\"></span>r <span class=\"_ _5\"></span>hat <span class=\"_ _5\"></span>die<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>AG ke<span class=\"_ _5\"></span>inen <span class=\"_ _5\"></span>fi<span class=\"_ _5\"></span>nanziellen <span class=\"_ _5\"></span>Verm\u00f6gens<span class=\"_ _5\"></span>wert, <span class=\"_ _5\"></span>welc<span class=\"_ _5\"></span>her <span class=\"_ _5\"></span>zu <span class=\"_ _5\"></span>fort<span class=\"_ _5\"></span>gef\u00fchrte<span class=\"_ _5\"></span>n <span class=\"_ _5\"></span>Anschaffungskost<span class=\"_ _5\"></span>en <span class=\"_ _5\"></span>bewer<span class=\"_ _5\"></span>tet wur<span class=\"_ _5\"></span>de, <span class=\"_ _5\"></span>ver\u00e4u\u00dfer<span class=\"_ _128\"> </span><span class=\"_ _5\"></span>t.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h17 y5e1 ff4 fs4 fc2 sc0 ls0 ws0\">Die <span class=\"_ _0\"></span>Ver\u00e4u\u00dferung <span class=\"_ _0\"></span>im <span class=\"_ _1\"></span>Vorjahr <span class=\"_ _0\"></span>wurden <span class=\"_ _1\"></span>get\u00e4tigt, <span class=\"_ _0\"></span>weil <span class=\"_ _0\"></span>dieser <span class=\"_ _1\"></span>Verm\u00f6genswert<span class=\"_ _5\"></span> <span class=\"_ _1\"></span>bonit\u00e4tsb<span class=\"_ _5\"></span>edingt <span class=\"_ _0\"></span>nicht <span class=\"_ _1\"></span>mehr <span class=\"_ _0\"></span>ins <span class=\"_ _0\"></span>P<span class=\"_ _0\"></span>ortfolio <span class=\"_ _0\"></span>des <span class=\"_ _1\"></span>Oberbank <span class=\"_ _0\"></span>Konzerns <span class=\"_ _0\"></span>passte<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h17 y5e2 ff4 fs4 fc2 sc0 ls0 ws0\">Aus der Ver<span class=\"_ _5\"></span>\u00e4u\u00dferung wurde<span class=\"_ _5\"></span> im Vorjahr ein G<span class=\"_ _5\"></span>ewinn von 20,5 Tsd. Euro r<span class=\"_ _5\"></span>ealisi<span class=\"_ _5\"></span>ert. Zu den o<span class=\"_ _5\"></span>perationellen Ri<span class=\"_ _5\"></span>siken siehe No<span class=\"_ _5\"></span>te 47).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h17 y5e3 ff4 fs4 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5e4 ff5 fs2 fc2 sc0 ls0 ws0\">10) Steuern vom Einkommen und Ertrag<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y5e5 ff4 fs2 fc2 sc0 ls0 ws0\">Die Steuern vom Einkommen und Ertrag b<span class=\"_ _0\"></span>einhalten die laufenden Ertragsteuern der einzelnen Konzernuntern<span class=\"_ _0\"></span>ehmen, Anpas<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y5e6 ff4 fs2 fc2 sc0 ls0 ws0\">sungen f\u00fcr perioden<span class=\"_ _0\"></span>fremde laufende Ertragsteuern sowie die Ver\u00e4nderungen d<span class=\"_ _0\"></span>er latenten Steuerabgrenzungen.<span class=\"_ _1\"></span> </div></div><div class=\"c w74 hc gsd6\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w75 hc gsd7\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w73 hf gsd8\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsd9\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">52.155<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gsda\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.421<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsdb\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> </div></div><div class=\"c w74 hf gsdc\"><div class=\"t m0 x72 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">182</span> </div></div><div class=\"c w75 hf gsdd\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.818<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsde\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Ertragsteuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsdf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">51.973<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gse0\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">47.239<span class=\"ls0\"> </span></div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y232 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5ea ff5 fs2 fc2 sc0 ls0 ws0\">\u00dcberleitung: Zusammenhang zwischen rechnerisc<span class=\"_ _0\"></span>hen und effektiv ausgewiesenen Steuern vom E<span class=\"_ _0\"></span>inkommen und Ertrag<span class=\"_ _1\"></span> </div></div><div class=\"c w74 hc gse1\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w75 hc gse2\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w73 hd gse3\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hd gse4\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">52.155<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hd gse5\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.421<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gse6\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> </div></div><div class=\"c w74 hf gse7\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">182</span> </div></div><div class=\"c w75 hf gse8\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.818<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gse9\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertragsteuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsea\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.973<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gseb\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.239<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsec\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gsed\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">295.260<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gsee\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">281.887<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsef\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Errechneter Steueraufwand 25 %<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gsf0\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">73.815<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gsf1\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">70.472<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsf2\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Direkt im Eigenkapit<span class=\"_ _0\"></span>al erfasste Anpassungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsf3\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">734</span> </div></div><div class=\"c w75 hf gsf4\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">737</span> </div></div><div class=\"c w73 hf gsf5\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerersparnis aus steuerfreien Beteiligungsertr<span class=\"_ _0\"></span>\u00e4gen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsf6\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.392<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gsf7\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.319<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsf8\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerersparnis aus at<span class=\"_ _0\"></span>-Equity-\u00dcberschussbetr\u00e4gen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsf9\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-22.663<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gsfa\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.033<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsfb\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steueraufwand (+)/<span class=\"_ _0\"></span>-ertrag (-) betreffend Vorjahre<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gsfc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">129<span class=\"ls0\"> </span></div></div><div class=\"c w75 hf gsfd\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.781<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gsfe\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerersparnis aus sonst<span class=\"_ _0\"></span>igen steuerbefreiten Ertr\u00e4gen<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gsff\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">243</span> </div></div><div class=\"c w75 hf gs100\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">144</span> </div></div><div class=\"c w73 hf gs101\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuer aus nicht abzu<span class=\"_ _0\"></span>gsf\u00e4higem Aufwand<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs102\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.753<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs103\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.035<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs104\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerersparnis aus Verbrau<span class=\"_ _0\"></span>ch Verlustvortr\u00e4ge<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs105\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">728<span class=\"ls0\"> </span></div></div><div class=\"c w75 hf gs106\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">551<span class=\"ls0\"> </span></div></div><div class=\"c w73 hf gs107\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuereffekte aus abweichenden St<span class=\"_ _0\"></span>euers\u00e4tzen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs108\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.249<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs109\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">367</span> </div></div><div class=\"c w73 hf gs10a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ausgewiesener Steueraufw<span class=\"_ _0\"></span>and (+)/-ertrag (-)<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs10b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.973<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs10c\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.239<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs10d\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Effektiver Steuersatz<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs10e\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17,60%<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs10f\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16,76%<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h6 y5f0 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f1 ff5 fs2 fc2 sc0 ls0 ws0\">Ertragsteuern, die auf einzelne Bestandteile des s<span class=\"_ _0\"></span>onstigen Ergebnisses bzw. des Eigenkapitals e<span class=\"_ _0\"></span>ntfallen<span class=\"_ _0\"></span> </div></div><div class=\"c w84 hc gs110\"><div class=\"t m0 x32 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w85 hc gs111\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w86 h28 gs112\"><div class=\"t m0 x70 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x88 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">vor Steuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w87 h28 gs113\"><div class=\"t m0 x70 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Ertrag-<span class=\"_ _128\"> </span></div><div class=\"t m0 x85 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">steuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w88 h28 gs114\"><div class=\"t m0 x8c h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nach Steuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w89 h28 gs115\"><div class=\"t m0 x70 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">vor Steuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w8a h28 gs116\"><div class=\"t m0 x70 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Ertrag-<span class=\"_ _128\"> </span></div><div class=\"t m0 x85 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">steuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w8b h28 gs117\"><div class=\"t m0 xa6 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis nach<span class=\"_ _128\"> </span> </div><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuern<span class=\"_ _128\"> </span> </div></div><div class=\"c w83 h6e gs118\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Versicherungsmath. <span class=\"_ _0\"></span>Gewinne/<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verluste gem. IAS 19  </div></div><div class=\"c w86 hc gs119\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.244<span class=\"_ _128\"> </span> </div></div><div class=\"c w87 hc gs11a\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.671<span class=\"_ _128\"> </span> </div></div><div class=\"c w88 hc gs11b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.573<span class=\"_ _128\"> </span> </div></div><div class=\"c w89 hc gs11c\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.147 </div></div><div class=\"c w8a hc gs11d\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.287<span class=\"_ _128\"> </span> </div></div><div class=\"c w8b hc gs11e\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.860<span class=\"_ _128\"> </span> </div></div><div class=\"c w83 h6f gs11f\"><div class=\"t m0 x7 h5 y2eb ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">derungen Schuldtitel IFRS 9 mit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Reklassifizierung<span class=\"_ _128\"> </span> </div></div><div class=\"c w86 h6f gs120\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.193<span class=\"_ _128\"> </span> </div></div><div class=\"c w87 h6f gs121\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">510<span class=\"ls0\"> </span></div></div><div class=\"c w88 h6f gs122\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.683<span class=\"_ _128\"> </span> </div></div><div class=\"c w89 h6f gs123\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">107</span> </div></div><div class=\"c w8a h6f gs124\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">26<span class=\"ls0\"> </span></div></div><div class=\"c w8b h6f gs125\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">81</span> </div></div><div class=\"c w83 h70 gs126\"><div class=\"t m0 x7 h5 y5f5 ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y2eb ff4 fs2 fc2 sc0 ls0 ws0\">derungen Eigenkap<span class=\"_ _0\"></span>ital-instru-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">mente IFRS 9 ohne Reklassifizie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">rung<span class=\"_ _128\"> </span> </div></div><div class=\"c w86 h70 gs127\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.836 </div></div><div class=\"c w87 h70 gs128\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.377<span class=\"_ _128\"> </span> </div></div><div class=\"c w88 h70 gs129\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-32.459<span class=\"_ _128\"> </span> </div></div><div class=\"c w89 h70 gs12a\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">58.866 </div></div><div class=\"c w8a h70 gs12b\"><div class=\"t m0 x85 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.608<span class=\"_ _128\"> </span> </div></div><div class=\"c w8b h70 gs12c\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.258<span class=\"_ _128\"> </span> </div></div><div class=\"c w83 h71 gs12d\"><div class=\"t m0 x7 h5 y5f7 ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">derungen eigenes Kreditrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">IFRS 9 ohne Reklassifizierung<span class=\"_ _0\"></span> </div></div><div class=\"c w86 h71 gs12e\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">26.563<span class=\"_ _128\"> </span> </div></div><div class=\"c w87 h71 gs12f\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.294<span class=\"_ _128\"> </span> </div></div><div class=\"c w88 h71 gs130\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.269 </div></div><div class=\"c w89 h71 gs131\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.377<span class=\"_ _128\"> </span> </div></div><div class=\"c w8a h71 gs132\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.344<span class=\"_ _128\"> </span> </div></div><div class=\"c w8b h71 gs133\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.033<span class=\"_ _128\"> </span> </div></div><div class=\"c w83 h72 gs134\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung W\u00e4hrungsau<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gleichsposten<span class=\"_ _128\"> </span> </div></div><div class=\"c w86 hc gs135\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">595<span class=\"ls0\"> </span></div></div><div class=\"c w87 hc gs136\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w88 hc gs137\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">595<span class=\"ls0\"> </span></div></div><div class=\"c w89 hc gs138\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.736<span class=\"_ _128\"> </span> </div></div><div class=\"c w8a hc gs139\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w8b hc gs13a\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.736<span class=\"_ _128\"> </span> </div></div><div class=\"c w83 h72 gs13b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnisanteil aus der Anw<span class=\"_ _0\"></span>en-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">dung der Equity Met<span class=\"_ _0\"></span>hode  </div></div><div class=\"c w86 hc gs13c\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.790<span class=\"_ _128\"> </span> </div></div><div class=\"c w87 hc gs13d\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w88 hc gs13e\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.790<span class=\"_ _128\"> </span> </div></div><div class=\"c w89 hc gs13f\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.475<span class=\"_ _128\"> </span> </div></div><div class=\"c w8a hc gs140\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w8b hc gs141\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.475<span class=\"_ _128\"> </span> </div></div><div class=\"c w83 hc gs142\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe<span class=\"_ _128\"> </span> </div></div><div class=\"c w86 hc gs143\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">26.164<span class=\"ls0\"> </span></div></div><div class=\"c w87 hc gs144\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">921<span class=\"ls0\"> </span></div></div><div class=\"c w37 hc gs145\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">27.085<span class=\"ls0\"> </span></div></div><div class=\"c w8c hc gs146\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">75.740<span class=\"ls0\"> </span></div></div><div class=\"c w8a hc gs147\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">14.525</span> </div></div><div class=\"c w8b hc gs148\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">61.216<span class=\"ls0\"> </span></div></div>Konzernabschlu<span class=\"_ _0\"></span>ss 69<span class=\"ls0\"> </span><table class=\"s w2e8 h180\" id=\"_745955c6-5af7-4ab1-861a-73c71032081b\"><tr><td class=\"c x1a7 y11d8 w8d hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">11) Ergebnis je Aktie in \u20ac <span class=\"ff5\"> </span></div></td><td class=\"c x1e3 y11d8 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y11d8 w8f hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y11d9 w8d hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Aktienanzahl per 31.12. </div></td><td class=\"c x1e3 y11d9 w8e hd\"><div class=\"t m0 x70 h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td><td class=\"c x1e4 y11d9 w8f hd\"><div class=\"t m0 x70 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td></tr><tr><td class=\"c x1a7 y11da w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Durchschnittliche Anzah<span class=\"_ _0\"></span>l der umlaufenden Aktien </div></td><td class=\"c x1e3 y11da w8e he\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">35.290.065 </div></td><td class=\"c x1e4 y11da w8f he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.236.428 </div></td></tr><tr><td class=\"c x1a7 y11db w8d hf\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss nach St<span class=\"_ _0\"></span>euern in Tsd. \u20ac <span class=\"ff4\"> </span></div></td><td class=\"c x1e3 y11db w8e hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">243.287 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y11db w8f hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">234.648 </div></td></tr><tr><td class=\"c x1a7 y11dc w8d hf\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Ergebnis je Aktie in \u20ac<span class=\"ff4\"> </span></div></td><td class=\"c x1e3 y11dc w8e hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">6,89 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y11dc w8f hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,66 </div></td></tr><tr><td class=\"c x199 y11dd w3 h3\"><div class=\"t m0 x3 h17 y5fd ff4 fs4 fc2 sc0 ls0 ws0\">Das verw\u00e4sse<span class=\"_ _5\"></span>rte Ergebni<span class=\"_ _5\"></span>s pro Aktie entspr<span class=\"_ _5\"></span>icht dem unver<span class=\"_ _5\"></span>w\u00e4sserte<span class=\"_ _5\"></span>n Ergebnis pro Aktie<span class=\"_ _5\"></span>, da keine<span class=\"_ _5\"></span> Finanzinstrumente<span class=\"_ _5\"></span> mit Verw\u00e4sse<span class=\"_ _5\"></span>rungseffekt ausge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h20 y64 ff4 fs4 fc2 sc0 ls0 ws0\">geben wurden. <span class=\"fs8\"> <span class=\"_ _7\"> </span> </span></div></td><td></td><td></td></tr></table>Konzernabschlu<span class=\"_ _0\"></span>ss 70<span class=\"ls0\"> </span>Details zur Konzernbilanz in Tsd<span class=\"_ _0\"></span>. \u20ac<span class=\"ff8\"> </span><table class=\"s w2e9 h181\" id=\"_27109d34-e5c8-45ab-ad90-42cd7cd3b815\"><tr><td class=\"c x1a7 y11de w73 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">12) Barreserve </div></td><td class=\"c x1e3 y11de w74 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y11de w75 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y11df w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken  </div></td><td class=\"c x1e3 y11df w74 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.195.154 </div></td><td class=\"c x1e4 y11df w75 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.193.765 </div></td></tr><tr><td class=\"c x1a7 y11e0 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Barreserve </div></td><td class=\"c x1e3 y11e0 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">92.168 </div></td><td class=\"c x1e4 y11e0 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">207.150 </div></td></tr><tr><td class=\"c x1a7 y11e1 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td class=\"c x1e3 y11e1 w74 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td class=\"c x1e4 y11e1 w75 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td></tr><tr><td class=\"c x178 y1160 w2ea h182\"><div class=\"t m0 x177 h17 y11e2 ff4 fs4 fc2 sc0 ls0 ws0\">Der star<span class=\"_ _5\"></span>ke R\u00fcckgang ist<span class=\"_ _5\"></span> auf das TLTRO III Ref<span class=\"_ _5\"></span>inanzierungspr<span class=\"_ _5\"></span>ogramm der EZ<span class=\"_ _5\"></span>B zur\u00fcckzuf\u00fch<span class=\"_ _5\"></span>ren. Im Gesch\u00e4f<span class=\"_ _5\"></span>tsjahr 2022 wurden <span class=\"_ _5\"></span>zwei vorzeitige R<span class=\"_ _5\"></span>\u00fcck-<span class=\"_ _128\"> </span></div><div class=\"t m0 x206 h17 y11af ff4 fs4 fc2 sc0 ls0 ws0\">ahlungen durchgef<span class=\"_ _5\"></span>\u00fchrt. Im Nove<span class=\"_ _5\"></span>mber 2022 wur<span class=\"_ _5\"></span>den 500 Mio<span class=\"_ _5\"></span>. Euro und im De<span class=\"_ _5\"></span>zember 2022 <span class=\"_ _5\"></span>zus\u00e4tzlich <span class=\"_ _5\"></span>1.000 Mio. Eur<span class=\"_ _5\"></span>o r\u00fcck<span class=\"_ _5\"></span>gef\u00fchrt, wodurch sich<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w2eb h17a\"><div class=\"t m0 x177 h17 y11af ff4 fs4 fc2 sc0 ls0 ws0\">das Ausma\u00df der a<span class=\"_ _5\"></span>ufgenommene<span class=\"_ _5\"></span>n Refinanzier<span class=\"_ _5\"></span>ungen per 31.12.2022 auf<span class=\"_ _5\"></span> 800 Mio<span class=\"_ _5\"></span>. Euro reduzie<span class=\"_ _5\"></span>rt hat.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w2d0 h183\" id=\"_cfcd7986-0093-4671-90eb-1013633606a8\"><tr><td class=\"c x174 y11e3 w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">13) Forderungen an Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11e3 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y11e3 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11e4 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an inl\u00e4ndische Kred<span class=\"_ _0\"></span>itinstitute </div></td><td class=\"c x1e7 y11e4 w91 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">84.407 </div></td><td class=\"c x1e8 y11e4 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.338 </div></td></tr><tr><td class=\"c x174 y11e5 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an au<span class=\"_ _0\"></span>sl\u00e4ndische Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11e5 w91 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">972.797 </div></td><td class=\"c x1e8 y11e5 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">753.223 </div></td></tr><tr><td class=\"c x174 y11e6 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x1e7 y11e6 w91 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td class=\"c x1e8 y11e6 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr></table><table class=\"s w2ec h184\" id=\"_ed57172b-1ef2-4e56-8ad5-34acf56a049e\"><tr><td class=\"c x174 y11e7 w90 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute nach Fr<span class=\"_ _0\"></span>isten </div></td><td></td></tr><tr><td class=\"c x174 y11e8 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y11e8 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">318.962 </div></td><td class=\"c x1e8 y11e8 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">155.585 </div></td></tr><tr><td class=\"c x174 y11e9 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y11e9 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">668.270 </div></td><td class=\"c x1e8 y11e9 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">635.439 </div></td></tr><tr><td class=\"c x174 y11ea w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y11ea w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">64.061 </div></td><td class=\"c x1e8 y11ea w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.275 </div></td></tr><tr><td class=\"c x174 y11eb w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y11eb w91 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">811<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y11eb w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.094 </div></td></tr><tr><td class=\"c x174 y11ec w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y11ec w91 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.100 </div></td><td class=\"c x1e8 y11ec w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.168 </div></td></tr><tr><td class=\"c x174 y11ed w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x1e7 y11ed w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td class=\"c x1e8 y11ed w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr></table><table class=\"s w2d0 h185\" id=\"_d8aeffea-ddf8-4f6a-a78e-e89c82cd2913\"><tr><td class=\"c x174 y11ee w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">14) Forderungen an Kunden<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x1e7 y11ee w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y11ee w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11ef w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an inl\u00e4ndische Kund<span class=\"_ _0\"></span>en </div></td><td></td><td class=\"c x1e7 y11ef w8e hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">10.623.848 </div></td><td class=\"c x1e8 y11ef w92 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.620.908 </div></td></tr><tr><td class=\"c x174 y11f0 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an au<span class=\"_ _0\"></span>sl\u00e4ndische Kunden </div></td><td></td><td class=\"c x1e7 y11f0 w8e hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">8.569.063 </div></td><td class=\"c x1e8 y11f0 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.807.019 </div></td></tr><tr><td class=\"c x174 y11f1 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x1e7 y11f1 w8e hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td><td class=\"c x1e8 y11f1 w92 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x178 y11b1 w2ed h186\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Ab dem Jahresa<span class=\"_ _5\"></span>bschluss <span class=\"_ _5\"></span>31.12.2022 werden <span class=\"_ _5\"></span>die Leasingforde<span class=\"_ _5\"></span>rungen netto, redu<span class=\"_ _5\"></span>ziert um Mie<span class=\"_ _5\"></span>tsonderzahlungen un<span class=\"_ _5\"></span>d Depot<span class=\"_ _5\"></span>zahlungen in H\u00f6he<span class=\"_ _5\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w2ee h171\"><div class=\"t m0 x177 h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">\u20ac 173<span class=\"_ _128\"> </span></div></td><td class=\"c x207 y1161 w2ef h171\"><div class=\"t m0 x177 h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">Mio. dargest<span class=\"_ _5\"></span>ellt. D<span class=\"_ _5\"></span>ies f\u00fchrt auch zur Verr<span class=\"_ _5\"></span>ingerung der<span class=\"_ _5\"></span> Sonstigen Passi<span class=\"_ _5\"></span>va in ide<span class=\"_ _5\"></span>nter H\u00f6he.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w2ec h187\" id=\"_f3b2b96e-e97e-4cb6-88c2-ef7918eb71cc\"><tr><td class=\"c x174 y11f2 w93 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden nach Fristen<span class=\"_ _0\"></span> </div></td><td></td></tr><tr><td class=\"c x174 y11f3 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y11f3 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.307.081 </div></td><td class=\"c x1e8 y11f3 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.888.947 </div></td></tr><tr><td class=\"c x174 y11f4 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y11f4 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.306.136 </div></td><td class=\"c x1e8 y11f4 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.074.448 </div></td></tr><tr><td class=\"c x174 y11f5 w93 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y11f5 w8e hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.121.983 </div></td><td class=\"c x1e8 y11f5 w92 hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.179.340 </div></td></tr><tr><td class=\"c x174 y11f6 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y11f6 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.851.962 </div></td><td class=\"c x1e8 y11f6 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.917.480 </div></td></tr><tr><td class=\"c x174 y11f7 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y11f7 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.605.749 </div></td><td class=\"c x1e8 y11f7 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.367.712 </div></td></tr><tr><td class=\"c x174 y11f8 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x1e7 y11f8 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td><td class=\"c x1e8 y11f8 w92 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr></table><table class=\"s w2ec h188\" id=\"_26e00fd2-7fb0-470b-a578-671a9aaafc40\"><tr><td class=\"c x174 y11f9 w93 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Leasinggesch\u00e4ft (Finanzierungsleasing), Bruttoinvestitionswerte<span class=\"_ _0\"></span> </div></td><td></td></tr><tr><td class=\"c x174 y11fa w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y11fa w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">79.307 </div></td><td class=\"c x1e8 y11fa w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.061 </div></td></tr><tr><td class=\"c x174 y11fb w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y11fb w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">310.410 </div></td><td class=\"c x1e8 y11fb w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">208.669 </div></td></tr><tr><td class=\"c x174 y11fc w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y11fc w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">883.820 </div></td><td class=\"c x1e8 y11fc w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">986.036 </div></td></tr><tr><td class=\"c x174 y11fd w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y11fd w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.328 </div></td><td class=\"c x1e8 y11fd w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">209.234 </div></td></tr><tr><td class=\"c x174 y11fe w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y11fe w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.525.865 </div></td><td class=\"c x1e8 y11fe w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.469.000 </div></td></tr><tr><td class=\"c x174 y11ff w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nicht realisierte Finanzertr\u00e4ge<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1200 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1200 w8e hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.036 </div></td><td class=\"c x1e8 y1200 w92 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.010 </div></td></tr><tr><td class=\"c x174 y1201 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1201 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.314 </div></td><td class=\"c x1e8 y1201 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.496 </div></td></tr><tr><td class=\"c x174 y1202 w93 hd\"><div class=\"t m0 x7 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1202 w8e hd\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">53.370 </div></td><td class=\"c x1e8 y1202 w92 hd\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">36.431 </div></td></tr><tr><td class=\"c x174 y1203 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1203 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.838 </div></td><td class=\"c x1e8 y1203 w92 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.700 </div></td></tr><tr><td class=\"c x174 y1204 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y1204 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99.558 </div></td><td class=\"c x1e8 y1204 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.637 </div></td></tr><tr><td class=\"c x174 y1205 w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettoinvestitionswerte </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1206 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1206 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">71.271 </div></td><td class=\"c x1e8 y1206 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.051 </div></td></tr><tr><td class=\"c x174 y1207 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1207 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">289.096 </div></td><td class=\"c x1e8 y1207 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.173 </div></td></tr><tr><td class=\"c x174 y1208 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1208 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">830.450 </div></td><td class=\"c x1e8 y1208 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">949.605 </div></td></tr><tr><td class=\"c x174 y1209 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1209 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.490 </div></td><td class=\"c x1e8 y1209 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">200.534 </div></td></tr><tr><td class=\"c x174 y120a w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y120a w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.426.307 </div></td><td class=\"c x1e8 y120a w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.402.363 </div></td></tr><tr><td class=\"c x174 y120b w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Wertberichtigun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x1e7 y120b w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.895 </div></td><td class=\"c x1e8 y120b w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.093 </div></td></tr></table>Konzernabschlu<span class=\"_ _0\"></span>ss 71<span class=\"ls0\"> </span>15) Risikovorsorgen<span class=\"_ _128\"> </span> siehe Note 43, \u201eKreditrisiko\u201c<span class=\"ff5\"> </span><table class=\"s w2ec h189\" id=\"_285880f8-f142-42f2-9e68-ede16f17f72a\"><tr><td class=\"c x174 y120c w95 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">16) Handelsaktiva </div></td><td class=\"c x1e7 y120c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y120c w77 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y120d w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y120e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y120e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.933 </div></td><td class=\"c x1e8 y120e w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y120f w95 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1210 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1210 w81 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x1e8 y1210 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.617 </div></td></tr><tr><td class=\"c x174 y1211 w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte aus derivativen Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1212 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1212 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.184 </div></td><td class=\"c x1e8 y1212 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.768 </div></td></tr><tr><td class=\"c x174 y1213 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y1213 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">36.536 </div></td><td class=\"c x1e8 y1213 w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.995 </div></td></tr><tr><td class=\"c x174 y1214 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y1214 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1214 w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1215 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x1e7 y1215 w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td class=\"c x1e8 y1215 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr></table><table class=\"s w2ec h18a\" id=\"_d65e12e6-358f-4a22-a0be-2f4aa47c3f8f\"><tr><td class=\"c x174 y1216 w96 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">17) Finanzanlagen </div></td><td class=\"c x1e7 y1216 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1216 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1217 w96 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1218 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1218 w91 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.946.152 </div></td><td class=\"c x1e8 y1218 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.503.759 </div></td></tr><tr><td class=\"c x174 y1219 w96 h13\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6rsennotiert </div></td><td class=\"c x1e7 y1219 w91 h13\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">48.926 </div></td><td class=\"c x1e8 y1219 w82 h13\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.949 </div></td></tr><tr><td class=\"c x174 y121a w96 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y121b w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y121b w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.023 </div></td><td class=\"c x1e8 y121b w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.319 </div></td></tr><tr><td class=\"c x174 y121c w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6rsennotiert </div></td><td class=\"c x1e7 y121c w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">200.914 </div></td><td class=\"c x1e8 y121c w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">220.311 </div></td></tr><tr><td class=\"c x174 y121d w96 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungen / Anteile </div></td><td></td><td></td></tr><tr><td class=\"c x174 y121e w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An verbundenen Untern<span class=\"_ _0\"></span>ehmen </div></td><td class=\"c x1e7 y121e w91 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">88.089 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e8 y121e w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.003 </div></td></tr><tr><td class=\"c x174 y121f w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1220 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten </div></td><td class=\"c x1e7 y1220 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">548.399 </div></td><td class=\"c x1e8 y1220 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.392 </div></td></tr><tr><td class=\"c x174 y1221 w96 he\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht-Kreditinstituten </div></td><td class=\"c x1e7 y1221 w91 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x1e8 y1221 w82 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr><tr><td class=\"c x174 y1222 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An sonstigen Beteiligungen </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1223 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten </div></td><td class=\"c x1e7 y1223 w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.694 </div></td><td class=\"c x1e8 y1223 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.695 </div></td></tr><tr><td class=\"c x174 y1224 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht-Kreditinstituten </div></td><td class=\"c x1e7 y1224 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">161.023 </div></td><td class=\"c x1e8 y1224 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.610 </div></td></tr><tr><td class=\"c x174 y1225 w96 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x1e7 y1225 w91 he\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e8 y1225 w82 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr><tr><td class=\"c x174 y1226 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e FV/PL </div></td><td class=\"c x1e7 y1226 w91 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x1e8 y1226 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">481.966 </div></td></tr><tr><td class=\"c x174 y1227 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Finanzielle Verm\u00f6genswerte FV/OCI<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1227 w91 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x1e8 y1227 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">414.571 </div></td></tr><tr><td class=\"c x174 y1228 w96 hd\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon Eigenkapitalin<span class=\"_ _0\"></span>strumente </div></td><td class=\"c x1e7 y1228 w91 hd\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x1e8 y1228 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">373.483 </div></td></tr><tr><td class=\"c x174 y1229 w96 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon Fremdkapitalin<span class=\"_ _0\"></span>strumente </div></td><td class=\"c x1e7 y1229 w91 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">269.786 </div></td><td class=\"c x1e8 y1229 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.088 </div></td></tr><tr><td class=\"c x174 y122a w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Finanzielle Verm\u00f6genswerte AC<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y122a w91 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x1e8 y122a w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.283.109 </div></td></tr><tr><td class=\"c x174 y122b w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Anteile an at Equit<span class=\"_ _0\"></span>y-Unternehmen </div></td><td class=\"c x1e7 y122b w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.646 </div></td><td class=\"c x1e8 y122b w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td></tr><tr><td class=\"c x174 y122c w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x1e7 y122c w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td><td class=\"c x1e8 y122c w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr></table>Die Finanzinvestition<span class=\"_ _0\"></span>en in Eigenkapitalinstrumente, die erfolgsneutral zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im sonstigen Ergebnis<span class=\"_ _128\"> </span> bewertet werden, umfassen<span class=\"_ _0\"></span> alle Wertpapiere, Beteiligungen und<span class=\"_ _0\"></span> Anteile an verbundenen Unternehmen, welche nicht<span class=\"_ _0\"></span> zum<span class=\"_ _128\"> </span> Marktwert gesteuert werden. <table class=\"s w2f0 h18b\" id=\"_3abb5e1f-247e-4ae5-abf8-db33eaf65093\"><tr><td class=\"c x1bc y122d w97 h12\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x208 y122d w18 h12\" colspan=\"2\"><div class=\"t m0 x88 h5 y87 ff4 fs2 fc2 sc0 ls1 ws0\">                               <span class=\"ls0\">e<span class=\"_ _5\"></span>rfasste Dividenden aus Instrumenten<span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x178 y122e w2f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrumente FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x209 y122f w2f2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">beizulegender<span class=\"_ _128\"> </span></div></td><td class=\"c x20a y122f w2f3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">die im Gesch\u00e4ftsjahr au<span class=\"_ _0\"></span>sge-<span class=\"_ _128\"> </span></div></td><td class=\"c x20b y122f w2f4 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">die am Abschlussstichtag ge-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1230 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x20c y1231 w2f6 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x20d y1231 w2f7 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">bucht wurden<span class=\"_ _128\"> </span></div></td><td class=\"c x20e y1231 w2f8 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">halten werden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1bc y1232 w99 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere </div></td><td class=\"c x20f y1232 w9a h12\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.265 </div></td><td class=\"c x208 y1232 w9b h12\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1232 w9c h12\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.997 </div></td></tr><tr><td class=\"c x1bc y1233 w99 h2a\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x20f y1233 w9a h2a\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.775 </div></td><td class=\"c x208 y1233 w9b h2a\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1233 w9c h2a\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.975 </div></td></tr><tr><td class=\"c x1bc y1234 w99 hc\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen </div></td><td class=\"c x20f y1234 w9a hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">85.630 </div></td><td class=\"c x208 y1234 w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1234 w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.488 </div></td></tr><tr><td></td><td class=\"c x20f y1235 w9a hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x208 y1235 w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1235 w9c hc\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.460 </div></td></tr></table>Die finanziellen Verm\u00f6genswerte in Eigenkap<span class=\"_ _0\"></span>italinstrumente betreffen insbesond<span class=\"_ _0\"></span>ere nicht konsolidierte Beteiligungen und<span class=\"_ _128\"> </span> Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, siehe Note 41), sowie Investment<span class=\"_ _0\"></span>s an der Lenzing AG, Energie AG Ober\u00f6sterreich,<span class=\"_ _128\"> </span> \u00d6sterreichische Kontr<span class=\"_ _0\"></span>ollbank AG und Linz Textil AG.  <span class=\"_ _7\"> </span> Konzernabschlu<span class=\"_ _0\"></span>ss 72<span class=\"ls0\"> </span>Im Gesch\u00e4ftsjahr 2022 w<span class=\"_ _0\"></span>urde kein Eigenkapitalinstrument liquidiert. Im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr erfolgten keine Umgliederungen in-<span class=\"_ _128\"> </span>nerhalb des Eigenkapitals. <span class=\"_ _0\"></span>Im Vorjahr wurde ein Finanzinstrument liqu<span class=\"_ _0\"></span>idiert, welches zum Zeitpunkt des A<span class=\"_ _1\"></span>bgangs einen bei-<span class=\"_ _128\"> </span>zulegenden Zeitwert von 16,3 Tsd. <span class=\"_ _0\"></span>Euro hatte und ein Eigenkapitalinstrument<span class=\"_ _0\"></span> mit einem beizulegenden Zeitwert v<span class=\"_ _0\"></span>on 2.336,1<span class=\"_ _128\"> </span> Tsd. Euro teilweise ver\u00e4u\u00dfert<span class=\"_ _0\"></span>. Der kumulierte Gewinn aus der Liquidation b<span class=\"_ _0\"></span>etrug 0,0 Tsd. Euro.<span class=\"_ _0\"></span> <table class=\"s w2f9 h18c\" id=\"_3062f7c7-870e-4134-bc7f-6e1eef5d966a\"><tr><td class=\"c x1bc y1236 w97 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x208 y1236 w18 hc\" colspan=\"2\"><div class=\"t m0 x88 h5 y87 ff4 fs2 fc2 sc0 ls1 ws0\">                               <span class=\"ls0\">e<span class=\"_ _5\"></span>rfasste Dividenden aus Instrumenten<span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x178 y1237 w2f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrumente FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x211 y1238 w2f2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">beizulegender<span class=\"_ _128\"> </span></div></td><td class=\"c x20a y1238 w2f3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">die im Gesch\u00e4ftsjahr au<span class=\"_ _0\"></span>sge-<span class=\"_ _128\"> </span></div></td><td class=\"c x20b y1238 w2f4 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">die am Abschlussstichtag ge-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1239 w2f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x212 y123a w2f6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x20d y123a w2f7 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">bucht wurden<span class=\"_ _128\"> </span></div></td><td class=\"c x20e y123a w2f8 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">halten werden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1bc y123b w9e hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere </div></td><td class=\"c x213 y123b w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.550 </div></td><td class=\"c x208 y123b w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123b w9c hc\"><div class=\"t m0 xac h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">153<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y123c w9e hc\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x213 y123c w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">161.267 </div></td><td class=\"c x208 y123c w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123c w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448 </div></td></tr><tr><td class=\"c x1bc y123d w9e hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen </div></td><td class=\"c x213 y123d w9f hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.666 </div></td><td class=\"c x208 y123d w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123d w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.943 </div></td></tr><tr><td></td><td class=\"c x213 y123e w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x208 y123e w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123e w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.544 </div></td></tr></table><table class=\"s w2d0 h18e\" id=\"_b9d00ec1-c5f9-4983-955c-1a043ca31e6f\"><tr><td class=\"c x174 y123f wa0 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">18) Immaterielles Anlageverm\u00f6gen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y123f wa1 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y123f wa2 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1240 wa0 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges immaterielles Anlageverm\u00f6gen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1240 wa1 he\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.610 </div></td><td class=\"c x1e8 y1240 wa2 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.912 </div></td></tr><tr><td class=\"c x174 y1241 wa0 hd\"><div class=\"t m0 x7 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Kundenstock </div></td><td class=\"c x1e7 y1241 wa1 hd\"><div class=\"t m0 x10 h5 yde ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1241 wa2 hd\"><div class=\"t m0 xe h5 ydd ff4 fs2 fc2 sc0 ls2 ws0\">309<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y123e wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Immaterielle Anlageverm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y123e wa1 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x1e8 y123e wa2 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td></tr></table><table class=\"s w2d0 h18f\" id=\"_18e76693-22b8-4140-afcc-bb857ee65211\"><tr><td class=\"c x174 y1242 w73 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">19) Sachanlagen </div></td><td class=\"c x1e7 y1242 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1242 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1243 w73 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Als Finanzinvestitionen gehalt<span class=\"_ _0\"></span>ene Immobilien </div></td><td class=\"c x1e7 y1243 w74 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td><td class=\"c x1e8 y1243 w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x174 y1244 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Grundst\u00fccke und G<span class=\"_ _0\"></span>eb\u00e4ude </div></td><td class=\"c x1e7 y1244 w74 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">85.153 </div></td><td class=\"c x1e8 y1244 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">87.800 </div></td></tr><tr><td class=\"c x174 y1245 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Betriebs- und<span class=\"_ _0\"></span> Gesch\u00e4ftsausstattung </div></td><td class=\"c x1e7 y1245 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">39.229 </div></td><td class=\"c x1e8 y1245 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">46.022 </div></td></tr><tr><td class=\"c x174 y1246 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Sachanlagen </div></td><td class=\"c x1e7 y1246 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">20.726 </div></td><td class=\"c x1e8 y1246 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.299 </div></td></tr><tr><td class=\"c x174 y1247 w73 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Leasinggegenst<span class=\"_ _0\"></span>\u00e4nden </div></td><td class=\"c x1e7 y1247 w74 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">139.588 </div></td><td class=\"c x1e8 y1247 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.267 </div></td></tr><tr><td class=\"c x174 y1248 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x1e7 y1248 w74 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x1e8 y1248 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td></tr></table>Der Konzern v<span class=\"_ _5\"></span>erf\u00fcgt \u00fcbe<span class=\"_ _5\"></span>r fremdgen\u00fctzte G<span class=\"_ _5\"></span>rundst\u00fccke<span class=\"_ _5\"></span> und Geb\u00e4ud<span class=\"_ _5\"></span>e mit einem Buchwert<span class=\"_ _5\"></span> von 72.693 Tsd. Euro<span class=\"_ _5\"></span> (Vorjahr 84.234 Tsd. <span class=\"_ _5\"></span>Euro); der Fair<span class=\"_ _128\"> </span> Value diese<span class=\"_ _5\"></span>r Objekte li<span class=\"_ _5\"></span>egt bei 83.550 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 97.640 Tsd. <span class=\"_ _5\"></span>Euro). Der Fai<span class=\"_ _5\"></span>r Value i<span class=\"_ _5\"></span>st dem Level 3 <span class=\"_ _5\"></span>zuzurechnen und wird <span class=\"_ _5\"></span>mittels int<span class=\"_ _5\"></span>erner<span class=\"_ _128\"> </span> Modelle<span class=\"_ _5\"></span> ermittelt. Die<span class=\"_ _5\"></span> Mietertr\u00e4ge betr<span class=\"_ _5\"></span>ugen im Beri<span class=\"_ _5\"></span>chtsjahr 3.878 Tsd. Eu<span class=\"_ _5\"></span>ro (Vorjah<span class=\"_ _5\"></span>r 4.365 Tsd. Euro), di<span class=\"_ _5\"></span>e mit ihne<span class=\"_ _5\"></span>n im Zusammenhang stehend<span class=\"_ _5\"></span>en<span class=\"_ _128\"> </span> Aufwendungen (i<span class=\"_ _5\"></span>nklusi<span class=\"_ _5\"></span>ve Abschreibungen) be<span class=\"_ _5\"></span>trugen 2.869 Tsd. <span class=\"_ _5\"></span>Euro (Vor<span class=\"_ _5\"></span>jahr 3.107 Tsd. Euro). Di<span class=\"_ _5\"></span>e Ver\u00e4u\u00dfe<span class=\"_ _5\"></span>rbarkeit die<span class=\"_ _5\"></span>ser Immobilien ist<span class=\"_ _5\"></span> durch<span class=\"_ _128\"> </span> Kaufoptio<span class=\"_ _5\"></span>nsrechte, di<span class=\"_ _5\"></span>e den LeasingnehmerInne<span class=\"_ _5\"></span>n vertr<span class=\"_ _5\"></span>aglich zustehe<span class=\"_ _5\"></span>n, beschr\u00e4nkt. Die<span class=\"_ _5\"></span> nicht garantier<span class=\"_ _5\"></span>ten Restwerte<span class=\"_ _5\"></span> des Leasinggesch\u00e4fts bet<span class=\"_ _5\"></span>ragen<span class=\"_ _128\"> </span> 45.663 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 58.181 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span><table class=\"s w2d0 h190\" id=\"_51c6dcfd-cbd4-4753-8f55-c33418916e23\"><tr><td class=\"c x178 y1249 w2fa h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Leasinggesch\u00e4ft (Operate Leasing) als Leasinggeber, k\u00fcnftige Mindestleasingzahlun-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y124a w2fb h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen<span class=\"_ _128\"> </span></div></td><td class=\"c x1e7 y124b w81 h3b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y124b w77 h3b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y124c w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y124c w81 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.980 </div></td><td class=\"c x1e8 y124c w77 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.153 </div></td></tr><tr><td class=\"c x174 y124d w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y124d w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.305 </div></td><td class=\"c x1e8 y124d w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.446 </div></td></tr><tr><td class=\"c x174 y124e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y124e w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.246 </div></td><td class=\"c x1e8 y124e w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.573 </div></td></tr><tr><td class=\"c x174 y124f w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y124f w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.957 </div></td><td class=\"c x1e8 y124f w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.431 </div></td></tr><tr><td class=\"c x174 y1250 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y1250 w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.488 </div></td><td class=\"c x1e8 y1250 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.603 </div></td></tr></table>20) Leasingverh\u00e4ltnisse als Leas<span class=\"_ _0\"></span>ingnehmer<span class=\"_ _128\"> </span> Die abgeschlossenen Leasingverh\u00e4ltnisse der<span class=\"_ _5\"></span> Oberbank AG<span class=\"_ _5\"></span> bezie<span class=\"_ _5\"></span>hen sich im <span class=\"_ _5\"></span>Wesentlichen auf <span class=\"_ _5\"></span>die <span class=\"_ _5\"></span>Anmietung von Fil<span class=\"_ _5\"></span>ialen und<span class=\"_ _128\"> </span> B\u00fcror\u00e4umen <span class=\"_ _1\"></span>sowie <span class=\"_ _1\"></span>Bau- <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>Bestandsrecht<span class=\"_ _0\"></span>e <span class=\"_ _0\"></span>an <span class=\"_ _1\"></span>Grundst\u00fccken, <span class=\"_ _1\"></span>Garagen, <span class=\"_ _1\"></span>Betriebs<span class=\"_ _0\"></span>- <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>Gesch\u00e4ftsausstattungen <span class=\"_ _1\"></span>sowie <span class=\"_ _1\"></span>Fah<span class=\"_ _0\"></span>r-<span class=\"_ _128\"> </span>zeugen. <span class=\"_ _5\"></span>Mit <span class=\"_ _3d\"></span>den <span class=\"_ _3d\"></span>Leasin<span class=\"_ _0\"></span>gverh\u00e4ltnissen <span class=\"_ _3d\"></span>sin<span class=\"_ _0\"></span>d <span class=\"_ _3d\"></span>keine <span class=\"_ _5\"></span>wesentlichen <span class=\"_ _3d\"></span>Beschr\u00e4nkun<span class=\"_ _0\"></span>gen <span class=\"_ _3d\"></span>oder <span class=\"_ _5\"></span>Zusagen <span class=\"_ _3d\"></span>verbunden. <span class=\"_ _5\"></span>Sale-an<span class=\"_ _0\"></span>d-Leaseback-<span class=\"_ _128\"> </span>Transaktionen wurden nicht eingegangen. <span class=\"_ _0\"></span> F\u00fcr das Gesch\u00e4ftsjahr 2022 <span class=\"_ _5\"></span>ergeben <span class=\"_ _5\"></span>sich folgende Darstellung<span class=\"_ _5\"></span>en in der <span class=\"_ _5\"></span>Konzernbilanz, Konzern-Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung<span class=\"_ _128\"> </span> sowie Konzern-Kap<span class=\"_ _0\"></span>italflussrechnung f\u00fcr die Oberb<span class=\"_ _0\"></span>ank als Leasingnehmer: <table class=\"s w2fc h192\" id=\"_bdcf5cd7-9b25-46ab-b825-7c7eaeaab3b8\"><tr><td class=\"c x174 y1251 wa5 hc\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Leasing in der Konzernbilanz </div></td><td class=\"c x214 y1251 wa6 hc\"><div class=\"t m0 x35 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x215 y1251 wa7 hc\"><div class=\"t m0 x35 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1252 wa5 hf\"><div class=\"t m0 x7 h6 y1ac ff5 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x214 y1252 wa6 hf\"><div class=\"t m0 x3 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">140.050 </div></td><td class=\"c x215 y1252 wa7 hf\"><div class=\"t m0 x3 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">142.832 </div></td></tr><tr><td class=\"c x174 y1253 wa5 hf\"><div class=\"t m0 x13 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Grun<span class=\"_ _0\"></span>dst\u00fccken und Geb\u00e4uden </div></td><td class=\"c x214 y1253 wa6 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">137.264 </div></td><td class=\"c x215 y1253 wa7 hf\"><div class=\"t m0 x3 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">139.545 </div></td></tr><tr><td class=\"c x174 y1254 wa5 hf\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Betr<span class=\"_ _0\"></span>iebs- und Gesch\u00e4ftsausstattu<span class=\"_ _0\"></span>ng </div></td><td class=\"c x214 y1254 wa6 hf\"><div class=\"t m0 x12 h5 y84 ff4 fs2 fc2 sc0 ls2 ws0\">737<span class=\"ls0\"> </span></div></td><td class=\"c x215 y1254 wa7 hf\"><div class=\"t m0 x12 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">850<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1255 wa5 hf\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Son<span class=\"_ _0\"></span>stigen Sachanlagen </div></td><td class=\"c x214 y1255 wa6 hf\"><div class=\"t m0 x30 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.587 </div></td><td class=\"c x215 y1255 wa7 hf\"><div class=\"t m0 x30 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">1.872 </div></td></tr><tr><td class=\"c x174 y1256 wa5 hf\"><div class=\"t m0 x13 h6 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an als Finan<span class=\"_ _0\"></span>zinvestitionen gehaltenen Immobilien<span class=\"ff5\"> </span></div></td><td class=\"c x214 y1256 wa6 hf\"><div class=\"t m0 x12 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">462<span class=\"ls0\"> </span></div></td><td class=\"c x215 y1256 wa7 hf\"><div class=\"t m0 x12 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">565<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1257 wa5 hf\"><div class=\"t m0 x7 h6 y191 ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1258 wa5 h77\"><div class=\"t m0 x13 h5 y661 ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten  </div><div class=\"t m0 x7 h5 y662 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y663 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y664 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y665 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x214 y1258 wa6 h77\"><div class=\"t m0 x3 h5 y661 ff4 fs2 fc2 sc0 ls0 ws0\">141.298 </div><div class=\"t m0 xad h5 y662 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x215 y1258 wa7 h77\"><div class=\"t m0 x3 h5 y661 ff4 fs2 fc2 sc0 ls0 ws0\">143.833 </div></td></tr></table>Konzernabschlu<span class=\"_ _0\"></span>ss 73<span class=\"ls0\"> </span>Die Zug\u00e4nge der Nut<span class=\"_ _0\"></span>zungsrechte im Gesch\u00e4ftsjahr 2022 betru<span class=\"_ _0\"></span>gen 15.946 Tsd. Euro. Die Zahlungsmittelabfl\u00fcsse f\u00fc<span class=\"_ _0\"></span>r Leasingverbindlich-<span class=\"_ _128\"> </span>keiten beliefen sich auf 16.067 Tsd<span class=\"_ _0\"></span>. Euro. Bei der Bewertung der Leasingverbindlichkeiten sind k\u00fc<span class=\"_ _0\"></span>nftige Zahlungsmittelabfl\u00fcss<span class=\"_ _1\"></span>e aus<span class=\"_ _128\"> </span> nicht sicheren Verl\u00e4n<span class=\"_ _0\"></span>gerungsoptionen in H\u00f6he von 15.272 T<span class=\"_ _0\"></span>sd. Euro unber\u00fccksichtigt geblieben.<span class=\"_ _0\"></span> <table class=\"s w2fd h193\" id=\"_f5ed5555-323a-4550-8617-d8e971a89a66\"><tr><td class=\"c x174 y1259 wa0 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten (brutto) nach Fristigkeiten<span class=\"_ _1\"></span> </div></td><td class=\"c x1e7 y1259 wa8 hc\"><div class=\"t m0 x30 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x216 y1259 wa9 hc\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y125a wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y125a wa8 hf\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.772 </div></td><td class=\"c x216 y125a wa9 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.734 </div></td></tr><tr><td class=\"c x174 y125b wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y125b wa8 hf\"><div class=\"t m0 x2f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.754 </div></td><td class=\"c x216 y125b wa9 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.867 </div></td></tr><tr><td class=\"c x174 y125c wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y125c wa8 hf\"><div class=\"t m0 x2f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">51.683 </div></td><td class=\"c x216 y125c wa9 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.332 </div></td></tr><tr><td class=\"c x174 y125d wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y125d wa8 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">75.090 </div></td><td class=\"c x216 y125d wa9 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.900 </div></td></tr><tr><td class=\"c x174 y125e wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y125e wa8 hf\"><div class=\"t m0 x9 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">141.298 </div></td><td class=\"c x216 y125e wa9 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">143.833 </div></td></tr></table><table class=\"s w2fe h194\" id=\"_0c27f33e-1da9-4260-b639-a9ead461c89d\"><tr><td class=\"c x174 y125f wa0 h79\"><div class=\"t m0 x7 h6 y35c ff5 fs2 fc2 sc0 ls0 ws0\">Leasing in der Konzern-Gewinn<span class=\"_ _0\"></span>- und Verlust-Rechnung<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y125f w71 h79\"><div class=\"t m0 x30 h6 y35c ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x217 y125f w7 h79\"><div class=\"t m0 xd h6 y35c ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1260 wa0 h6b\"><div class=\"t m0 x7 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Zinsaufwendungen f\u00fcr Leasingverb<span class=\"_ _0\"></span>indlichkeiten </div></td><td class=\"c x1e7 y1260 w71 h6b\"><div class=\"t m0 x12 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">798<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1260 w7 h6b\"><div class=\"t m0 x2f h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">760<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1261 wa0 h6b\"><div class=\"t m0 x7 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand </div></td><td class=\"c x1e7 y1261 w71 h6b\"><div class=\"t m0 x3b h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">15.518 </div></td><td class=\"c x217 y1261 w7 h6b\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">15.609 </div></td></tr><tr><td class=\"c x174 y1262 wa0 h6b\"><div class=\"t m0 x13 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an Grun<span class=\"_ _0\"></span>dst\u00fccken und Geb\u00e4uden </div></td><td class=\"c x1e7 y1262 w71 h6b\"><div class=\"t m0 x3b h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">14.108 </div></td><td class=\"c x217 y1262 w7 h6b\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">14.153 </div></td></tr><tr><td class=\"c x174 y1263 wa0 h6c\"><div class=\"t m0 x13 h5 y66e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an Betriebs<span class=\"_ _0\"></span>- und Gesch\u00e4ftsausst<span class=\"_ _0\"></span>attung </div></td><td class=\"c x1e7 y1263 w71 h6c\"><div class=\"t m0 x12 h5 y66f ff4 fs2 fc2 sc0 ls2 ws0\">291<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1263 w7 h6c\"><div class=\"t m0 x2f h5 y66e ff4 fs2 fc2 sc0 ls2 ws0\">316<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1264 wa0 h6b\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an Sonstigen Sachanlagen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1264 w71 h6b\"><div class=\"t m0 x12 h5 y26d ff4 fs2 fc2 sc0 ls2 ws0\">956<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1264 w7 h6b\"><div class=\"t m0 x2f h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">982<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1265 wa0 h6b\"><div class=\"t m0 x13 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an als <span class=\"_ _0\"></span>Finanzinvestition gehaltenen Immobilien </div></td><td class=\"c x1e7 y1265 w71 h6b\"><div class=\"t m0 x12 h5 y5da ff4 fs2 fc2 sc0 ls2 ws0\">163<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1265 w7 h6b\"><div class=\"t m0 x2f h5 y369 ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1266 wa0 h6b\"><div class=\"t m0 x88 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Andere Aufwendungen au<span class=\"_ _0\"></span>s Leasingverh\u00e4ltnissen </div></td><td class=\"c x1e7 y1266 w71 h6b\"><div class=\"t m0 x40 h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">1.680 </div><div class=\"t m0 xb1 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x217 y1266 w7 h6b\"><div class=\"t m0 xd h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">1.410 </div></td></tr><tr><td class=\"c x174 y1267 wa0 h6b\"><div class=\"t m0 x7 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1268 wa0 h6b\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Unterleasing von<span class=\"_ _0\"></span> Nutzungsrechten </div></td><td class=\"c x1e7 y1268 w71 h6b\"><div class=\"t m0 x12 h5 y26d ff4 fs2 fc2 sc0 ls2 ws0\">780<span class=\"ls0\"> </span></div><div class=\"t m0 xb1 h5 y674 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x217 y1268 w7 h6b\"><div class=\"t m0 x2f h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">846<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w2ff h195\" id=\"_ad2455f9-dde0-498d-9707-a44b8dc5aa9e\"><tr><td class=\"c x174 y1269 wa0 h7a\"><div class=\"t m0 x7 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Leasing in der Konzern-Kapitalflussrechnung<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1269 w70 h7a\"><div class=\"t m0 x32 h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x218 y1269 waa h7a\"><div class=\"t m0 xd h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y126a wa0 hf\"><div class=\"t m0 x7 h6 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Tilgungen von Leasingverbind<span class=\"_ _0\"></span>lichkeiten aus Finanzierungst\u00e4tigkeit<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td class=\"c x1e7 y126a w70 hf\"><div class=\"t m0 x4 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">-16.067 </div></td><td class=\"c x218 y126a waa hf\"><div class=\"t m0 x3f h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">-16.085 </div></td></tr><tr><td class=\"c x174 y126b wa0 hf\"><div class=\"t m0 x7 h6 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Zinsaufwendungen f\u00fcr Leasingverb<span class=\"_ _0\"></span>indlichkeiten aus operat<span class=\"_ _0\"></span>iver Gesc<span class=\"_ _5\"></span>h\u00e4ftst\u00e4t<span class=\"_ _0\"></span>igkeit<span class=\"ff5\"> </span></div></td><td class=\"c x1e7 y126b w70 hf\"><div class=\"t m0 x39 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">798<span class=\"ls0\"> </span></div></td><td class=\"c x218 y126b waa hf\"><div class=\"t m0 xd h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">760<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w2d0 h196\" id=\"_0d4426d6-8b62-4291-8121-3363d2feb36b\"><tr><td class=\"c x174 y126c w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">21) Sonstige Aktiva </div></td><td class=\"c x1e7 y126c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y126c w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y126d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steueranspr\u00fc<span class=\"_ _0\"></span>che </div></td><td class=\"c x1e7 y126d w81 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.353 </div></td><td class=\"c x1e8 y126d w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390 </div></td></tr><tr><td class=\"c x174 y126e w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y126e w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">137.781 </div></td><td class=\"c x1e8 y126e w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">127.011 </div></td></tr><tr><td class=\"c x174 y126f w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y126f w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">39.640 </div></td><td class=\"c x1e8 y126f w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.159 </div></td></tr><tr><td class=\"c x174 y1270 w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten </div></td><td class=\"c x1e7 y1270 w81 hd\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">10.677 </div></td><td class=\"c x1e8 y1270 w75 hd\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.067 </div></td></tr><tr><td class=\"c x174 y1271 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td class=\"c x1e7 y1271 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">189.451 </div></td><td class=\"c x1e8 y1271 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">233.627 </div></td></tr></table><table class=\"s w300 h197\" id=\"_48472152-f7bc-4fa3-baa8-c1987a6617eb\"><tr><td class=\"c x199 y1272 w3 h3\"><div class=\"t m0 x3 h5 y67e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y67f ff5 fs2 fc2 sc0 ls0 ws0\">Aktive Steuerabgrenzungen / Passive Steuerabgrenzungen <span class=\"_ _1\"></span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x219 y1273 wac hc\" colspan=\"2\"><div class=\"t m0 x88 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Steuerabgrenzungen 2022<span class=\"_ _0\"></span> </div></td><td class=\"c x21a y1273 wad hc\" colspan=\"2\"><div class=\"t m0 x5c h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Steuerabgrenzungen 2021<span class=\"_ _0\"></span> </div></td></tr><tr><td></td><td class=\"c x21b y1274 waf h12\"><div class=\"t m0 x5b h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Aktiv </div></td><td class=\"c x21c y1274 w56 h12\"><div class=\"t m0 x60 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Passiv </div></td><td class=\"c x1a8 y1274 waf h12\"><div class=\"t m0 x5b h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Aktiv </div></td><td class=\"c x21d y1274 w56 h12\"><div class=\"t m0 x60 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Passiv </div></td></tr><tr><td class=\"c x1a7 y1275 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td class=\"c x21b y1275 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">105<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1275 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y1275 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1275 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1276 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x21b y1276 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1276 w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">138</span> </div></td><td class=\"c x1a8 y1276 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y1276 w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">866</span> </div></td></tr><tr><td class=\"c x1a7 y1277 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x21b y1277 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.358 </div></td><td class=\"c x21c y1277 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.827 </div></td><td class=\"c x1a8 y1277 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.027 </div></td><td class=\"c x21d y1277 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.233 </div></td></tr><tr><td class=\"c x1a7 y1278 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x21b y1278 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1278 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-10.492 </div></td><td class=\"c x1a8 y1278 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y1278 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.793 </div></td></tr><tr><td class=\"c x1a7 y1279 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x21b y1279 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">465<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1279 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.331 </div></td><td class=\"c x1a8 y1279 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">385<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1279 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.674 </div></td></tr><tr><td class=\"c x1a7 y127a wae hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y127a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127a w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.089 </div></td><td class=\"c x1a8 y127a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127a w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.450 </div></td></tr><tr><td class=\"c x1a7 y127b wae h12\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanz. Verm\u00f6genswerte FV/<span class=\"_ _0\"></span>OCI (mit recycling) </div></td><td class=\"c x21b y127b waf h12\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127b w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.869 </div></td><td class=\"c x1a8 y127b waf h12\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127b w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.581 </div></td></tr><tr><td class=\"c x1a7 y127c wae hc\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanz. Verm\u00f6genswerte FV/<span class=\"_ _0\"></span>OCI (ohne recycling) </div></td><td class=\"c x21b y127c waf hc\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127c w56 hc\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-10.374 </div></td><td class=\"c x1a8 y127c waf hc\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127c w56 hc\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-29.643 </div></td></tr><tr><td class=\"c x1a7 y127d wae hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y127d waf hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">455<span class=\"ls0\"> </span></div></td><td class=\"c x21c y127d w56 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y127d waf hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x21d y127d w56 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y127e wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity b<span class=\"_ _0\"></span>ewerteten Unternehmen </div></td><td class=\"c x21b y127e waf hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x21c y127e w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y127e waf hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x21d y127e w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y127f wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6gen </div></td><td class=\"c x21b y127f waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127f w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">30</span> </div></td><td class=\"c x1a8 y127f waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127f w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">73</span> </div></td></tr><tr><td class=\"c x1a7 y1280 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x21b y1280 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">537<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1280 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-31.964 </div></td><td class=\"c x1a8 y1280 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">316<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1280 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-35.625 </div></td></tr><tr><td class=\"c x1a7 y1281 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td class=\"c x21b y1281 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.894 </div></td><td class=\"c x21c y1281 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">57</span> </div></td><td class=\"c x1a8 y1281 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y1281 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.577 </div></td></tr><tr><td></td><td class=\"c x21b y1282 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.371 </div></td><td class=\"c x21c y1282 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-74.838 </div></td><td class=\"c x1a8 y1282 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.920 </div></td><td class=\"c x21d y1282 w56 hf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-116.513 </div></td></tr><tr><td class=\"c x1a7 y1283 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x21b y1283 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">101<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1283 w56 hf\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x1a8 y1283 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">846<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1283 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td></tr><tr><td class=\"c x1a7 y1284 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x21b y1284 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1284 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.060 </div></td><td class=\"c x1a8 y1284 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.550 </div></td><td class=\"c x21d y1284 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1285 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x21b y1285 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1285 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.311 </div></td><td class=\"c x1a8 y1285 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.193 </div></td><td class=\"c x21d y1285 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1286 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Personalr\u00fcckstellungen </div></td><td class=\"c x21b y1286 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.662 </div></td><td class=\"c x21c y1286 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y1286 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.026 </div></td><td class=\"c x21d y1286 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr></table>Konzernabschlu<span class=\"_ _0\"></span>ss 74<span class=\"ls0\"> </span><table class=\"s w301 h198\" id=\"_0783a6f5-b790-4412-a89c-4b24661178a9\"><tr><td class=\"c x1a7 y1287 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y1287 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">298<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1287 w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">714</span> </div></td><td class=\"c x1a8 y1287 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.277 </div></td><td class=\"c x21d y1287 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1288 wae hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td class=\"c x21b y1288 waf hd\"><div class=\"t m0 x54 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">72.435 </div></td><td class=\"c x21c y1288 w56 hd\"><div class=\"t m0 x15 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">312</span> </div></td><td class=\"c x1a8 y1288 waf hd\"><div class=\"t m0 x54 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">43.195 </div></td><td class=\"c x21d y1288 w56 hd\"><div class=\"t m0 x15 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">269</span> </div></td></tr><tr><td class=\"c x1a7 y1289 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x21b y1289 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1289 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.616 </div></td><td class=\"c x1a8 y1289 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.712 </div></td><td class=\"c x21d y1289 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y128a wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Unversteuerte R\u00fccklagen / Bewertun<span class=\"_ _0\"></span>gsreserven </div></td><td class=\"c x21b y128a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y128a w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">227</span> </div></td><td class=\"c x1a8 y128a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y128a w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">233</span> </div></td></tr><tr><td></td><td class=\"c x21b y128b waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.497 </div></td><td class=\"c x21c y128b w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-36.243 </div></td><td class=\"c x1a8 y128b waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">92.799 </div></td><td class=\"c x21d y128b w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">517</span> </div></td></tr><tr><td class=\"c x1a7 y128c wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktivierungsf\u00e4hige steuerliche Verlustvortr\u00e4ge<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y128c waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">359<span class=\"ls0\"> </span></div></td><td class=\"c x21c y128c w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y128c waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x21d y128c w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y128d wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktive/Passive Steuerab<span class=\"_ _0\"></span>grenzung </div></td><td class=\"c x21b y128d waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.227 </div></td><td class=\"c x21c y128d w56 hf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-111.082 </div></td><td class=\"c x1a8 y128d waf hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">103.175 </div></td><td class=\"c x21d y128d w56 hf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-117.030 </div></td></tr><tr><td class=\"c x183 y128e w302 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Saldierung von a<span class=\"_ _0\"></span>ktiven und passiven Steuerabgrenzungen gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y128f w303 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">derselben Finanzbeh\u00f6rde<span class=\"_ _128\"> </span></div></td><td class=\"c x21b y1290 waf h28\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-96.874 </div></td><td class=\"c x21c y1290 w56 h28\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">96.874 </div></td><td class=\"c x1a8 y1290 waf h28\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-101.785 </div></td><td class=\"c x21d y1290 w56 h28\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">101.785 </div></td></tr><tr><td class=\"c x1a7 y1291 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steuerford<span class=\"_ _0\"></span>erung/-verbindlichkeit per Saldo </div></td><td class=\"c x21b y1291 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.353 </div></td><td class=\"c x21c y1291 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.207 </div></td><td class=\"c x1a8 y1291 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390 </div></td><td class=\"c x21d y1291 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.245 </div></td></tr><tr><td class=\"c x178 y1292 w304 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zum 31.12.2022 wur<span class=\"_ _5\"></span>den kei<span class=\"_ _5\"></span>ne aktiven lat<span class=\"_ _5\"></span>enten Steue<span class=\"_ _5\"></span>rn f\u00fcr steuerl<span class=\"_ _5\"></span>iche Verlustvo<span class=\"_ _5\"></span>rtr\u00e4ge aus dem Le<span class=\"_ _5\"></span>asing-Teilkonzern in H\u00f6he<span class=\"_ _5\"></span> von 1.941 Tsd. Euro<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1293 w305 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">(Vorjahr: 1.602 Tsd. Euro<span class=\"_ _5\"></span>) angesetzt, <span class=\"_ _5\"></span>da aus heut<span class=\"_ _5\"></span>iger Sicht<span class=\"_ _5\"></span> ein Verbrauch in ab<span class=\"_ _5\"></span>sehbarer Z<span class=\"_ _5\"></span>eit nicht reali<span class=\"_ _5\"></span>sierbar erscheint<span class=\"_ _5\"></span>.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1295 w306 h199\"><div class=\"t m0 x177 h17 y1294 ff4 fs4 fc2 sc0 ls0 ws0\">Auf tempor\u00e4r<span class=\"_ _5\"></span>e Differe<span class=\"_ _5\"></span>nzen aus Anteilen an Toc<span class=\"_ _5\"></span>hterunt<span class=\"_ _5\"></span>ernehmen, Gemeins<span class=\"_ _5\"></span>chaftsunt<span class=\"_ _5\"></span>ernehmen und as<span class=\"_ _5\"></span>soziierten Unter<span class=\"_ _5\"></span>nehmen, die v<span class=\"_ _5\"></span>on Konzernge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">sellscha<span class=\"_ _5\"></span>ften gehalte<span class=\"_ _5\"></span>n werden, in H\u00f6he von 850.667 Tsd. <span class=\"_ _5\"></span>Euro (Vo<span class=\"_ _5\"></span>rjahr: 759.310 Tsd. <span class=\"_ _5\"></span>Euro) wurden <span class=\"_ _5\"></span>in \u00dcbere<span class=\"_ _5\"></span>instimmung mit IAS 12<span class=\"_ _5\"></span>.39 keine<span class=\"_ _5\"></span> passiven<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w307 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">latente<span class=\"_ _5\"></span>n Steuern angese<span class=\"_ _5\"></span>tzt, da sich <span class=\"_ _5\"></span>die tempor\u00e4ren Diff<span class=\"_ _5\"></span>erenzen in absehb<span class=\"_ _5\"></span>arer Zeit er<span class=\"_ _5\"></span>wartungsgem\u00e4\u00df nic<span class=\"_ _5\"></span>ht umkehre<span class=\"_ _5\"></span>n werden. B<span class=\"_ _5\"></span>ei der tempor\u00e4re<span class=\"ls9\">n<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w308 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Differenz hande<span class=\"_ _5\"></span>lt es sich <span class=\"_ _5\"></span>um thesaurier<span class=\"_ _5\"></span>te Gewinn<span class=\"_ _5\"></span>anteile, deren <span class=\"_ _5\"></span>Aussch\u00fcttung nicht b<span class=\"_ _5\"></span>eabsichtigt i<span class=\"_ _5\"></span>st bzw. auf absehbar<span class=\"_ _5\"></span>e Zeit steuerfrei bl<span class=\"_ _5\"></span>eiben wird.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w309 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zum 31.12.2022 wur<span class=\"_ _5\"></span>de daher<span class=\"_ _5\"></span> <span class=\"ff9\">\u2013</span> ohne Ber\u00fcc<span class=\"_ _5\"></span>ksichtigung der<span class=\"_ _5\"></span> steuerfreie<span class=\"_ _5\"></span>n Gewinnaussch\u00fc<span class=\"_ _5\"></span>ttungen vo<span class=\"_ _5\"></span>n Tochterunternehmen <span class=\"ff9\">\u2013<span class=\"_ _5\"></span><span class=\"ff4\"> eine hy<span class=\"_ _5\"></span>pothetische<span class=\"_ _128\"> </span></span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w30a h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Steuerschu<span class=\"_ _5\"></span>ld von 212.667 Tsd. Eur<span class=\"_ _5\"></span>o (Vorjahr<span class=\"_ _5\"></span> 189.828 Tsd. Euro)<span class=\"_ _5\"></span> nicht ange<span class=\"_ _5\"></span>setzt.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w30b h19a\" id=\"_42e951ce-24b4-4e5e-a23c-2435b81688e8\"><tr><td class=\"c x1a7 y1297 w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">22) Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1297 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y1297 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1298 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber inl\u00e4nd<span class=\"_ _0\"></span>ischen Kreditinstituten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1298 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.426.246 </div></td><td class=\"c x1e4 y1298 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.980.517 </div></td></tr><tr><td class=\"c x1a7 y1299 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber ausl\u00e4n<span class=\"_ _0\"></span>dischen Kreditinstituten </div></td><td class=\"c x1e3 y1299 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.022.489 </div></td><td class=\"c x1e4 y1299 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.912.821 </div></td></tr><tr><td class=\"c x1a7 y129a w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x1e3 y129a w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td class=\"c x1e4 y129a w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x1a7 y129b w90 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinstituten nach Friste<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y129c w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e3 y129c w91 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">777.734 </div></td><td class=\"c x1e4 y129c w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">749.160 </div></td></tr><tr><td class=\"c x1a7 y129d w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monat<span class=\"_ _0\"></span>e </div></td><td class=\"c x1e3 y129d w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.797 </div></td><td class=\"c x1e4 y129d w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">247.719 </div></td></tr><tr><td class=\"c x1a7 y129e w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e3 y129e w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.208 </div></td><td class=\"c x1e4 y129e w92 hf\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">33<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y129f w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e3 y129f w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.666.362 </div></td><td class=\"c x1e4 y129f w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.475.286 </div></td></tr><tr><td class=\"c x1a7 y12a0 w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e3 y12a0 w91 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.691.634 </div></td><td class=\"c x1e4 y12a0 w92 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.421.140 </div></td></tr><tr><td class=\"c x1a7 y12a1 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x1e3 y12a1 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td class=\"c x1e4 y12a1 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x178 y12a2 w30c h199\"><div class=\"t m0 x177 h17 y1294 ff4 fs4 fc2 sc0 ls0 ws0\">Im Bilanzposte<span class=\"_ _5\"></span>n Verbindl<span class=\"_ _5\"></span>ichkeiten gegen\u00fcber Kre<span class=\"_ _5\"></span>ditinstit<span class=\"_ _5\"></span>uten ist ein <span class=\"_ _5\"></span>Betrag von 800 Mio. Euro<span class=\"_ _5\"></span> (VJ: 2.300 Mio. E<span class=\"_ _5\"></span>uro) aus<span class=\"_ _5\"></span> dem TLTRO III Ref<span class=\"_ _5\"></span>inanzie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">rungsprogramm de<span class=\"_ _5\"></span>r EZB ent<span class=\"_ _5\"></span>halten. Im Gesch\u00e4f<span class=\"_ _5\"></span>tsjahr 2022 wur<span class=\"_ _5\"></span>den zwei vor<span class=\"_ _5\"></span>zeitige R\u00fcc<span class=\"_ _5\"></span>kzahlungen dur<span class=\"_ _5\"></span>chgef\u00fchrt. Im Nove<span class=\"_ _5\"></span>mber 2022 wurden 500<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a3 w30d h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mio. Euro und <span class=\"_ _5\"></span>im Dezember 2022 <span class=\"_ _5\"></span>zus\u00e4tzlic<span class=\"_ _5\"></span>h 1.000 Mio. Euro<span class=\"_ _5\"></span> r\u00fcckgef\u00fch<span class=\"_ _5\"></span>rt, wodurch si<span class=\"_ _5\"></span>ch das Ausma\u00df de<span class=\"_ _5\"></span>r aufgenommenen Re<span class=\"_ _5\"></span>finanzierun<span class=\"_ _5\"></span>gen per<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a4 w30e h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">31.12.2022 auf 800<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x21e y12a4 w30f h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mi<span class=\"_ _5\"></span>o. Euro redu<span class=\"_ _5\"></span>ziert hat<span class=\"_ _5\"></span>. Die urspr\u00fcngli<span class=\"_ _5\"></span>ch zwischen Juni<span class=\"_ _5\"></span> 2020 und September 2021 auf<span class=\"_ _3d\"></span>genommenen Refina<span class=\"_ _5\"></span>nzierungen wurden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y12a5 w310 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">bis Ende Jun<span class=\"_ _5\"></span>i mit dem bi<span class=\"_ _5\"></span>s dahin noch g\u00fcltigen <span class=\"_ _5\"></span>Einlagenzinssat<span class=\"_ _5\"></span>z der EZB von <span class=\"ff9\">\u2013</span> 0,5 % ve<span class=\"_ _5\"></span>rzinst. F\u00fcr d<span class=\"_ _5\"></span>ie Verzinsun<span class=\"_ _5\"></span>g ab Juni 2022 bi<span class=\"_ _5\"></span>s 23. November<span class=\"_ _5\"></span> 2022<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a6 w311 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">wurde der d<span class=\"_ _5\"></span>urchschnittl<span class=\"_ _5\"></span>iche Einlagensat<span class=\"_ _5\"></span>z seit Be<span class=\"_ _5\"></span>ginn der Transakt<span class=\"_ _5\"></span>ion herangezogen. Ab 23. No<span class=\"_ _5\"></span>vember<span class=\"_ _5\"></span> 2022 ist der durchs<span class=\"_ _5\"></span>chnittliche<span class=\"_ _5\"></span> Leitzinssatz<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a7 w312 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">der EZB bi<span class=\"_ _5\"></span>s zum Ende der Lauf<span class=\"_ _5\"></span>zeit bzw. bis zur v<span class=\"_ _5\"></span>orzeiti<span class=\"_ _5\"></span>gen R\u00fcckzahlun<span class=\"_ _5\"></span>g des jeweil<span class=\"_ _5\"></span>igen Refinanzie<span class=\"_ _5\"></span>rungsprogrammes der<span class=\"_ _5\"></span> ma\u00dfgebliche Zinssat<span class=\"_ _5\"></span>z.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a8 w313 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Dieser Zins<span class=\"_ _5\"></span>satz stellte<span class=\"_ _5\"></span> im Vergleich zu Einl<span class=\"_ _5\"></span>agen unsere<span class=\"_ _5\"></span>r Kunden und <span class=\"_ _5\"></span>anderen vergleichbare<span class=\"_ _5\"></span>n, besicherten R<span class=\"_ _5\"></span>efinanzierungen eine<span class=\"_ _5\"></span> marktk<span class=\"_ _5\"></span>onforme<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12ab w314 h19b\"><div class=\"t m0 x177 h17 y12a9 ff4 fs4 fc2 sc0 ls0 ws0\">Refinanzie<span class=\"_ _5\"></span>rung dar. Wir h<span class=\"_ _5\"></span>aben die Fi<span class=\"_ _5\"></span>nanzierungsverbi<span class=\"_ _5\"></span>ndlichkeit<span class=\"_ _5\"></span> daher als Finanzinst<span class=\"_ _5\"></span>rument gem\u00e4\u00df IFR<span class=\"_ _5\"></span>S 9 erfasst<span class=\"_ _5\"></span>. Zus\u00e4tzli<span class=\"_ _5\"></span>ch haben wir das erforde<span class=\"_ _5\"></span>r-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y12aa ff4 fs4 fc2 sc0 ls0 ws0\">liche Kre<span class=\"_ _5\"></span>ditwachstum er<span class=\"_ _5\"></span>reicht und n<span class=\"_ _5\"></span>eben der Ver<span class=\"_ _5\"></span>zinsung eine Bonif<span class=\"_ _5\"></span>ikation in H\u00f6he von <span class=\"_ _5\"></span>0,5 % bis Ende Jun<span class=\"_ _5\"></span>i 2022 erhal<span class=\"_ _5\"></span>ten. Der ver<span class=\"_ _5\"></span>einnahmte Zins<span class=\"_ _5\"></span>er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">trag f\u00fcr di<span class=\"_ _5\"></span>e negativen R<span class=\"_ _5\"></span>efinanzierungszinse<span class=\"_ _5\"></span>n f\u00fcr das<span class=\"_ _5\"></span> Gesch\u00e4ftsjahr<span class=\"_ _5\"></span> 2022 betrug 17,0 Mio. Euro<span class=\"_ _5\"></span>. Darin i<span class=\"_ _5\"></span>st eine Bonif<span class=\"_ _5\"></span>ikation in H\u00f6he von 11,5 Mi<span class=\"_ _5\"></span>o.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w315 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Euro enthal<span class=\"_ _5\"></span>ten. Die k\u00fcnfti<span class=\"_ _5\"></span>ge Verzinsung h\u00e4ngt von <span class=\"_ _5\"></span>der weit<span class=\"_ _5\"></span>eren Entwi<span class=\"_ _5\"></span>cklung der Einlagenzinss\u00e4<span class=\"_ _5\"></span>tze ab, womit<span class=\"_ _5\"></span> die Auswi<span class=\"_ _5\"></span>rkung auf das<span class=\"_ _5\"></span> zuk\u00fcnfti<span class=\"_ _5\"></span>ge<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w316 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zinsergebn<span class=\"_ _5\"></span>is noch nicht abgesc<span class=\"_ _5\"></span>h\u00e4tzt werde<span class=\"_ _5\"></span>n kann. Zum St<span class=\"_ _5\"></span>ichtag wurde<span class=\"_ _5\"></span> mit eine<span class=\"_ _5\"></span>m durchschnittli<span class=\"_ _5\"></span>chen Zinssat<span class=\"_ _5\"></span>z in H\u00f6he von 1,63 % gerechnet.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w317 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Es ist geplan<span class=\"_ _5\"></span>t, die per<span class=\"_ _5\"></span> 31.12.2022 bestehe<span class=\"_ _5\"></span>nden Refina<span class=\"_ _5\"></span>nzierungen bis <span class=\"_ _5\"></span>zur Endlaufzeit zu halt<span class=\"_ _5\"></span>en, und zwar 450 Mi<span class=\"_ _5\"></span>o. Euro bis <span class=\"_ _5\"></span>M\u00e4rz 2024, weitere 250<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w318 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mio. Euro bi<span class=\"_ _5\"></span>s Juni 2024 und di<span class=\"_ _5\"></span>e restlichen <span class=\"_ _5\"></span>100 Mio. Euro b<span class=\"_ _5\"></span>is September<span class=\"_ _5\"></span> 2024.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w2ec h19c\" id=\"_d5d253a1-c671-4d62-8a5b-34cf6817fd46\"><tr><td class=\"c x174 y12ac w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">23) Verbindlichkeiten gegen\u00fcber <span class=\"_ _0\"></span>Kunden </div></td><td class=\"c x1e7 y12ac w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12ac w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12ad w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Spareinlagen </div></td><td class=\"c x1e7 y12ad w8e he\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.167.226 </div></td><td class=\"c x1e8 y12ad w82 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.534.685 </div></td></tr><tr><td class=\"c x174 y12ae w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x1e7 y12ae w8e hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">12.894.129 </div></td><td class=\"c x1e8 y12ae w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.193.904 </div></td></tr><tr><td class=\"c x174 y12af w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x1e7 y12af w8e hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td class=\"c x1e8 y12af w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x174 y12b0 w90 hd\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kunden nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12b1 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y12b1 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.834.782 </div></td><td class=\"c x1e8 y12b1 w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.183.297 </div></td></tr><tr><td class=\"c x174 y12b2 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12b2 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">997.858 </div></td><td class=\"c x1e8 y12b2 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.721 </div></td></tr><tr><td class=\"c x174 y12b3 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12b3 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">713.925 </div></td><td class=\"c x1e8 y12b3 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.958 </div></td></tr><tr><td class=\"c x174 y12b4 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12b4 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">379.018 </div></td><td class=\"c x1e8 y12b4 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">393.095 </div></td></tr><tr><td class=\"c x174 y12b5 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12b5 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.772 </div></td><td class=\"c x1e8 y12b5 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">239.518 </div></td></tr><tr><td class=\"c x174 y12b6 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x1e7 y12b6 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td class=\"c x1e8 y12b6 w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr></table>Konzernabschlu<span class=\"_ _0\"></span>ss 75<span class=\"ls0\"> </span><table class=\"s w2ec h19d\" id=\"_ec1d5bd5-dacd-421c-b8fe-d00fa5ebda1e\"><tr><td class=\"c x174 y12b7 w8d hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">24) Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b7 wb0 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12b7 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12b8 w8d hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Begebene Schuldverschreibu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y12b8 wb0 hd\"><div class=\"t m0 x8c h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">2.397.353 </div></td><td class=\"c x1e8 y12b8 w82 hd\"><div class=\"t m0 x8c h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">2.192.883 </div></td></tr><tr><td class=\"c x174 y12b9 w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b9 wb0 he\"><div class=\"t m0 xc h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.664 </div></td><td class=\"c x1e8 y12b9 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.764 </div></td></tr><tr><td class=\"c x174 y12ba w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12ba wb0 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12ba w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y12bb w8d hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12bc w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12bc wb0 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x1e8 y12bc w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">107.039 </div></td></tr><tr><td class=\"c x174 y12bd w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12bd wb0 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.010 </div></td><td class=\"c x1e8 y12bd w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.123 </div></td></tr><tr><td class=\"c x174 y12be w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12be wb0 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">794.876 </div></td><td class=\"c x1e8 y12be w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">742.253 </div></td></tr><tr><td class=\"c x174 y12bf w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12bf wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.484.850 </div></td><td class=\"c x1e8 y12bf w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.330.232 </div></td></tr><tr><td class=\"c x174 y12c0 w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12c0 wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12c0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr></table><table class=\"s w2ec h19e\" id=\"_121736cb-db37-462b-9425-247de66ac81e\"><tr><td class=\"c x174 y12c1 wb1 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">25) R\u00fcckstellungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c1 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12c1 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12c2 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abfertigungs- und<span class=\"_ _0\"></span> Pensionsr\u00fcckstellung<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c2 w74 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c2 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c3 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcckstellung<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c3 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c3 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c4 wb1 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen f\u00fcr das Kred<span class=\"_ _0\"></span>itgesch\u00e4ft<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c4 w74 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.497<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c4 w82 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.250<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c5 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12c5 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.506<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c5 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.349<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c6 wb1 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c6 w74 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.621<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c6 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">364.802 </div></td></tr><tr><td class=\"c x174 y12c7 w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der R\u00fcckstellung f\u00fcr Abfertigungen un<span class=\"_ _0\"></span>d Pensionen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12c7 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12c7 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12c8 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellung zum 1.1. </div></td><td class=\"c x1e7 y12c8 w8e he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295 </div></td><td class=\"c x1e8 y12c8 w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.775 </div></td></tr><tr><td class=\"c x174 y12c9 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung/Aufl\u00f6sung Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellung </div></td><td class=\"c x1e7 y12c9 w8e hf\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.918 </div></td><td class=\"c x1e8 y12c9 w92 hf\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.174 </div></td></tr><tr><td class=\"c x174 y12ca w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung/Aufl\u00f6sung Pensio<span class=\"_ _0\"></span>nsr\u00fcckstellung </div></td><td class=\"c x1e7 y12ca w8e hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.854 </div></td><td class=\"c x1e8 y12ca w92 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.306 </div></td></tr><tr><td class=\"c x174 y12cb w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellung zum 31.12. </div></td><td class=\"c x1e7 y12cb w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.523 </div></td><td class=\"c x1e8 y12cb w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295 </div></td></tr><tr><td class=\"c x174 y12cc w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Darstellung leistungsorientierter <span class=\"_ _0\"></span>Verpflichtungen gem. IAS 19<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12cc w8e hf\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12cc w92 hf\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12cd w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Planverm\u00f6gen </div></td><td class=\"c x1e7 y12cd w8e hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y12cd w92 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12ce w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abfertigungsr\u00fcckstellung </div></td><td class=\"c x1e7 y12ce w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.209 </div></td><td class=\"c x1e8 y12ce w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.126 </div></td></tr><tr><td class=\"c x174 y12cf w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsr\u00fcckstellung </div></td><td class=\"c x1e7 y12cf w8e he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.314 </div></td><td class=\"c x1e8 y12cf w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.169 </div></td></tr><tr><td class=\"c x174 y12d0 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcckstellung </div></td><td class=\"c x1e7 y12d0 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095 </div></td><td class=\"c x1e8 y12d0 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908 </div></td></tr><tr><td class=\"c x174 y12d1 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe leistungsorientierte Versorgun<span class=\"_ _0\"></span>gspl\u00e4ne </div></td><td class=\"c x1e7 y12d1 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">148.618 </div></td><td class=\"c x1e8 y12d1 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">194.203 </div></td></tr></table>Die leistungsorientiert<span class=\"_ _0\"></span>en Versorgungspl\u00e4ne des Oberbank Konzerns umfassen Ab<span class=\"_ _0\"></span>fertigungs<span class=\"_ _0\"></span>-, Pensions- und Ju<span class=\"_ _0\"></span>bil\u00e4umsgeld-<span class=\"_ _128\"> </span>verpflichtungen.<span class=\"_ _128\"> </span> Die rechtlichen Grundlagen der Abfert<span class=\"_ _0\"></span>igungsr\u00fcckstellung stellen das Angestelltengesetz (\u00a7 23) so<span class=\"_ _0\"></span>wie der Banken<span class=\"_ _1\"></span>-Kollektiv-<span class=\"_ _128\"> </span>vertrag (\u00a7 32) dar<span class=\"_ _0\"></span>. Gem\u00e4\u00df \u00a7 32 des Kollektivvertrags erhalten Dienstn<span class=\"_ _0\"></span>ehmerInnen mit mindestens f\u00fcnfj\u00e4hriger Dienst<span class=\"_ _0\"></span>zeit<span class=\"_ _128\"> </span> eine Abfertigung im Ausma\u00df<span class=\"_ _0\"></span> von zwei Monatsentgelten zus\u00e4tzlich zu den An<span class=\"_ _0\"></span>spr\u00fcchen gem\u00e4\u00df AngGes (\u201eAbfertigung alt<span class=\"_ _0\"></span>\u201c)<span class=\"_ _128\"> </span> bzw. BMSVG (\u201eAb<span class=\"_ _0\"></span>fertigung neu\u201c). Per 31.12.2022 sind 663 P<span class=\"_ _0\"></span>ersonen im System \u201eAbfert<span class=\"_ _0\"></span>igung alt\u201c (92,7 % der Gesamtr\u00fcck-<span class=\"_ _128\"> </span>stellung) und 1.217 Person<span class=\"_ _0\"></span>en im System \u201eAbfertigung neu\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Die rechtlichen Grundlagen der Pension<span class=\"_ _0\"></span>sr\u00fcckstellung stellen der Kollektivvertrag b<span class=\"_ _0\"></span>etreffend die Neuregelung des<span class=\"_ _0\"></span> Pensions-<span class=\"_ _128\"> </span>rechts (Pensionsreform 1997) sow<span class=\"_ _0\"></span>ie einzelvertragliche Pensionszusagen dar. <span class=\"_ _0\"></span>Mit Stand per 31.12.2022 umfasst die Pension<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>r\u00fcckstellung im Oberban<span class=\"_ _0\"></span>k Konzern 492 Pensionsempf\u00e4ngerInnen (75,8 % der Gesamt<span class=\"_ _0\"></span>r\u00fcckstellung) und 263 aktive Dienstneh<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>merInnen (24,2 %<span class=\"_ _0\"></span> der Gesamtr\u00fcckstellung). Der Gro\u00dfteil der aktiven D<span class=\"_ _0\"></span>ienstnehmerInnen (261) besitzt eine Anw<span class=\"_ _0\"></span>artschaft auf<span class=\"_ _128\"> </span> eine Besitzstandspension, d<span class=\"_ _0\"></span>ie mit Stichtag 1.1.1997 ermittelt wurde und d<span class=\"_ _0\"></span>eren Wert j\u00e4hrlich im Ausma\u00df der kollektivvertrag-<span class=\"_ _128\"> </span>lichen Gehaltserh\u00f6hun<span class=\"_ _0\"></span>g angepasst wird. Au<span class=\"_ _0\"></span>f diesen Personenkreis entfallen 12,5 % der Gesamtr\u00fcckstellung.<span class=\"_ _0\"></span> Zu nennende Risiken im Zusammenhang mi<span class=\"_ _0\"></span>t der Pensionsr\u00fcckstellung<span class=\"_ _0\"></span> Berufsunf\u00e4higkeit: Im Fall der Zuerkennung einer Beru<span class=\"_ _0\"></span>fsunf\u00e4higkeitspension kommt w<span class=\"_ _0\"></span>ieder das vor dem 1.1.1997 <span class=\"_ _0\"></span>geltende<span class=\"_ _128\"> </span> Pensionsrecht zur Anwendun<span class=\"_ _0\"></span>g, das hei\u00dft, die anfallende Bankleistung ist<span class=\"_ _0\"></span> eine \u00dcbergangspension (Gesamtp<span class=\"_ _0\"></span>ension) auf Basis<span class=\"_ _128\"> </span> des Letztbezugs unt<span class=\"_ _0\"></span>er Anrechnung der von der Bank finanzierten Pensionska<span class=\"_ _0\"></span>ssenleistung. 2022 wurde keine Berufsun<span class=\"_ _0\"></span>f\u00e4hig-<span class=\"_ _128\"> </span>keitspension zu<span class=\"_ _0\"></span>erkannt. <span class=\"_ _7\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">76<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Administrativpension: Akt<span class=\"_ _0\"></span>ive DienstnehmerInnen, die Anwartschaft auf eine Besitzstan<span class=\"_ _0\"></span>dspension haben, erhalten bei K\u00fcndi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">gung durch die Bank eine au<span class=\"_ _0\"></span>f Basis des Letztbezugs zu berechnende Administ<span class=\"_ _0\"></span>rativpension, die so<span class=\"_ _0\"></span> lange zu b<span class=\"_ _0\"></span>ezahlen ist, bis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Anspruch auf eine ASVG<span class=\"_ _0\"></span>-Pension besteht. Ab diesem Zeitpun<span class=\"_ _0\"></span>kt gelangt dann eine \u00dcbergangspension zu<span class=\"_ _0\"></span>r Auszahlung <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">(Einrechnung einer fiktiven ASVG<span class=\"_ _0\"></span>-Pension). 2022 gab es keinen so<span class=\"_ _0\"></span>lchen Fall.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Die rechtliche Grundlage der Jubil\u00e4u<span class=\"_ _0\"></span>msgeldr\u00fcckst<span class=\"_ _0\"></span>ellung stellt die Betriebsvereinbarung d<span class=\"_ _0\"></span>ar. Der Anspruch ist wie folgt ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">staffelt: bei 25 Dienstjah<span class=\"_ _0\"></span>ren drei Monatsgeh\u00e4lter und bei 40 Dienstjahren vier Monat<span class=\"_ _0\"></span>sgeh\u00e4lter. Mit Stand per 31.12.2022 ist<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">die Jubil\u00e4umsgeldr\u00fcckstellun<span class=\"_ _0\"></span>g f\u00fcr 1.443 Personen gebi<span class=\"_ _0\"></span>ldet. 431 Personen sind ohne R\u00fcckstellun<span class=\"_ _0\"></span>g (bei 41 Personen wurde<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">das Jubil\u00e4umsgeld bereits <span class=\"_ _0\"></span>ausbezahlt, bei 306 Personen liegt der Pensionsst<span class=\"_ _0\"></span>ichtag vor Erreichen des Jubil\u00e4ums, 84 Personen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">sind im 2. HJ 2022 eingetreten <span class=\"ff9\">\u2013</span> f\u00fcr<span class=\"_ _0\"></span> diesen Personenkreis wird keine<span class=\"_ _0\"></span> R\u00fcckstellung gebildet). <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs160\"><table class=\"s w319 h19f\" id=\"_1901c204-8901-449d-bc57-da9bb65458e9\"><tr><td class=\"c x174 y12d2 wb2 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der R\u00fcckstellung f\u00fcr Abfertigungen, Pensione<span class=\"_ _0\"></span>n u. \u00e4hnliche Verpflichtungen<span class=\"_ _1\"></span> </div></td><td class=\"c x21f y12d2 wb3 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d2 wb4 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d3 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Barwert leistungsorientierter Verpflichtungen zum 1.1.<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12d3 wb3 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">194.203<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d3 wb4 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">217.553<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d4 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksam in der Gewinn-<span class=\"_ _0\"></span>/Verlustrechnung erfasst<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12d5 wb2 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">+ Dienstzeitaufwand </div></td><td class=\"c x21f y12d5 wb3 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.803 </div></td><td class=\"c x220 y12d5 wb4 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.392 </div></td></tr><tr><td class=\"c x174 y12d6 wb2 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">+ Zinsaufwand </div></td><td class=\"c x21f y12d6 wb3 hd\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.383 </div></td><td class=\"c x220 y12d6 wb4 hd\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.619 </div></td></tr><tr><td class=\"c x174 y12d7 wb2 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12d7 wb3 he\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">200.389<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d7 wb4 he\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">223.564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d8 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Effekte von Neubewertungen <span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12d9 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutral im Sonstigen Ergebnis erfasst<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12da wb2 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Versicherungsmath<span class=\"_ _0\"></span>ematischer Gewinn/Verlust<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12da wb3 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-35.707 </div></td><td class=\"c x220 y12da wb4 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.538 </div></td></tr><tr><td class=\"c x174 y12db wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Finanzielle Annahmen </div></td><td class=\"c x21f y12db wb3 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-38.857 </div></td><td class=\"c x220 y12db wb4 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.774 </div></td></tr><tr><td class=\"c x174 y12dc wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Demografische Annahmen </div></td><td class=\"c x21f y12dc wb3 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12dc wb4 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12dd wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Erfahrungsbedingte Annah<span class=\"_ _0\"></span>men </div></td><td class=\"c x21f y12dd wb3 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.150 </div></td><td class=\"c x220 y12dd wb4 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-19.312 </div></td></tr><tr><td class=\"c x174 y12de wb2 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Gewinne/Verlust<span class=\"_ _0\"></span>e des Planverm\u00f6gens </div></td><td class=\"c x21f y12de wb3 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12de wb4 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12df wb2 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Gewinne/Verlust<span class=\"_ _0\"></span>e aus Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x21f y12df wb3 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12df wb4 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e0 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksam in der Gewinn-<span class=\"_ _0\"></span> und Verlustrechnung erfass<span class=\"_ _0\"></span>t </div></td><td class=\"c x21f y12e0 wb3 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.422 </div></td><td class=\"c x220 y12e0 wb4 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.710 </div></td></tr><tr><td class=\"c x174 y12e1 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12e1 wb3 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">39.129</span> </div></td><td class=\"c x220 y12e1 wb4 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">18.248</span> </div></td></tr><tr><td class=\"c x174 y12e2 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">\u00dcbrige </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12e3 wb2 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Geleistete Zahlungen aus Plan<span class=\"_ _0\"></span>abgeltung </div></td><td class=\"c x21f y12e3 wb3 hd\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12e3 wb4 hd\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e4 wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Zahlungen im Berichtsjahr </div></td><td class=\"c x21f y12e4 wb3 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.642 </div></td><td class=\"c x220 y12e4 wb4 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-11.113 </div></td></tr><tr><td class=\"c x174 y12e5 wb2 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- \u00fcbrige Ver\u00e4nd<span class=\"_ _0\"></span>erungen </div></td><td class=\"c x21f y12e5 wb3 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12e5 wb4 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e6 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12e6 wb3 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">12.642</span> </div></td><td class=\"c x220 y12e6 wb4 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">11.113</span> </div></td></tr><tr><td class=\"c x174 y12e7 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzierte R\u00fcckstellungen zum 31.12.<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12e7 wb3 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">148.618<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12e7 wb4 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">194.203<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y6f9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y6fa ff4 fs2 fc2 sc0 ls0 ws0\">Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne/Verluste aus Pensions<span class=\"_ _0\"></span>- und Abfertigungsverp<span class=\"_ _0\"></span>flichtungen wurden im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y6fb ff4 fs2 fc2 sc0 ls0 ws0\">erfolgsneutral im son<span class=\"_ _0\"></span>stigen Ergebnis (OCI) erfasst. Die Betr\u00e4ge werden sp<span class=\"_ _0\"></span>\u00e4ter nicht reklassifiziert, eine \u00dcbertragung inner-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y5b2 ff4 fs2 fc2 sc0 ls0 ws0\">halb des Eigenkap<span class=\"_ _0\"></span>itals ist allerdings zul\u00e4ssig. Versicherungsmathematische Gewin<span class=\"_ _0\"></span>ne/Verluste aus Jubil\u00e4u<span class=\"_ _0\"></span>msgeldr\u00fcckstellun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6fc ff4 fs2 fc2 sc0 ls0 ws0\">gen werden in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnun<span class=\"_ _0\"></span>g im Personalaufwand erfasst.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h6 y6fd ff5 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs161\"><table class=\"s w31a h1a0\" id=\"_c5194486-e6e9-43fe-8542-62a012ac28d3\"><tr><td class=\"c x178 y12e8 w31b h1a1\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wesentliche versicherungsmathematische Annahmen zur Er<span class=\"_ _0\"></span>mittlung<span class=\"_ _128\"> </span></div></td><td class=\"c x221 y12e9 wb6 h7f\"><div class=\"t m0 x6 h6 y6ff ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x222 y12e9 wb7 h7f\"><div class=\"t m0 x6 h6 y6ff ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y12ea w31c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">der Barwerte der leistungsorientierten Verpflichtungen<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y12eb wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz </div></td><td class=\"c x221 y12eb wb6 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3,75 % </div></td><td class=\"c x222 y12eb wb7 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1,25 % </div></td></tr><tr><td class=\"c x174 y12ec wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung </div></td><td class=\"c x221 y12ec wb6 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2,84 % </div></td><td class=\"c x222 y12ec wb7 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2,63 % </div></td></tr><tr><td class=\"c x174 y12ed wb5 he\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung </div></td><td class=\"c x221 y12ed wb6 he\"><div class=\"t m0 x40 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1,89 % </div></td><td class=\"c x222 y12ed wb7 he\"><div class=\"t m0 x40 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1,67 % </div></td></tr><tr><td class=\"c x174 y12ee wb5 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Fluktuation </div></td><td class=\"c x221 y12ee wb6 hf\"><div class=\"t m0 xa8 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">keine </div></td><td class=\"c x222 y12ee wb7 hf\"><div class=\"t m0 xa8 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">keine </div></td></tr><tr><td class=\"c x174 y12ef wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsantrittsalter Frauen </div></td><td class=\"c x221 y12ef wb6 hf\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ff9 ls0\">\u2013<span class=\"ff4\">65 Jahre</span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div></td><td class=\"c x222 y12ef wb7 hf\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ff9 ls0\">\u2013<span class=\"ff4\">65 Jahre</span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div></td></tr><tr><td class=\"c x174 y12f0 wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsantrittsalter M\u00e4nner </div></td><td class=\"c x221 y12f0 wb6 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">65 Jahre </div></td><td class=\"c x222 y12f0 wb7 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">65 Jahre </div></td></tr><tr><td class=\"c x174 y12f1 wb5 he\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Sterbetafeln </div></td><td class=\"c x221 y12f1 wb6 he\"><div class=\"t m0 x41 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">AV\u00d6 2018 </div></td><td class=\"c x222 y12f1 wb7 he\"><div class=\"t m0 x41 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">AV\u00d6 2018 </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschlu<span class=\"_ _0\"></span>ss </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">77<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Unter der Annahme unver\u00e4ndert<span class=\"_ _0\"></span>er Berechnungsparameter wird mit einer Aufl\u00f6<span class=\"_ _0\"></span>sung im Gesch\u00e4ftsjahr 2023 der R\u00fcck<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">stellungen f\u00fcr Abfert<span class=\"_ _0\"></span>igungen, Pensionen und \u00e4hnliche Verpflichtungen in H\u00f6h<span class=\"_ _0\"></span>e von rund 2,1 Mio. Euro gerechnet. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">Die Barwerte der leistungsorientierten V<span class=\"_ _0\"></span>erpflichtungen betrugen f\u00fcr das Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r 2015 190.317 Tsd. Euro, f\u00fcr das Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ftsjahr 2016 185.058 T<span class=\"_ _0\"></span>sd. Euro, f\u00fcr das Gesch\u00e4ftsjahr 2017 184.732 T<span class=\"_ _0\"></span>sd. Euro, f\u00fcr d<span class=\"_ _0\"></span>as Gesch\u00e4ftsjahr 2018 196.750 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Euro, f\u00fcr das Gesch\u00e4ftsjahr 2019 214.503 Tsd. <span class=\"_ _0\"></span>Euro und f\u00fcr das Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 2020 217.553 Tsd. Euro<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h6 y65 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y66 ff5 fs2 fc2 sc0 ls0 ws0\">Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Die Sensitivit\u00e4tsanalys<span class=\"_ _0\"></span>e zeigt die Auswirkungen au<span class=\"_ _0\"></span>f die leistungsorientierten Verpflichtungen, die bei vern\u00fc<span class=\"_ _0\"></span>nftiger  </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Betrachtungsweise dur<span class=\"_ _0\"></span>ch \u00c4nderungen ma\u00dfgeblicher versicherungsmathematischer Ann<span class=\"_ _0\"></span>ahmen zum Ende der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Berichtsperiode m\u00f6glich gewesen w\u00e4r<span class=\"_ _0\"></span>en. </div></div><div class=\"gs163\"><table class=\"s w31d h1a2\" id=\"_ccc49b86-8a98-48f9-91eb-1a12d570d945\"><tr><td class=\"c x174 y12f2 wb8 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x223 y12f2 w70 hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y12f2 wb9 hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y12f2 wba hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y12f3 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz + 0,5 % </div></td><td class=\"c x223 y12f3 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.645 </div></td><td class=\"c x224 y12f3 wb9 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95.328 </div></td><td class=\"c x225 y12f3 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f4 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz <span class=\"ff9\">\u2013</span> 0,5 % </div></td><td class=\"c x223 y12f4 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.861 </div></td><td class=\"c x224 y12f4 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.780 </div></td><td class=\"c x225 y12f4 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f5 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung + 0,5 %<span class=\"_ _0\"></span> </div></td><td class=\"c x223 y12f5 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.868 </div></td><td class=\"c x224 y12f5 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.717 </div></td><td class=\"c x225 y12f5 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f6 wb8 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung <span class=\"_ _0\"></span>- 0,5 % </div></td><td class=\"c x223 y12f6 w70 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.624 </div></td><td class=\"c x224 y12f6 wb9 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99.922 </div></td><td class=\"c x225 y12f6 wba hd\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f7 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung + 0,5 % </div></td><td class=\"c x223 y12f7 w70 hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x224 y12f7 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.209 </div></td><td class=\"c x225 y12f7 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f8 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung - 0,5 <span class=\"_ _0\"></span>% </div></td><td class=\"c x223 y12f8 w70 hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x224 y12f8 wb9 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95.773 </div></td><td class=\"c x225 y12f8 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y6a0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y70e ff4 fs2 fc2 sc0 ls0 ws0\">Obwohl die Sensitivit<span class=\"_ _0\"></span>\u00e4tsanalyse keine abschlie\u00dfende Darstellung der k\u00fcnftig zu erw<span class=\"_ _0\"></span>artenden Zahlungsstr\u00f6me darstellt, <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y70f ff4 fs2 fc2 sc0 ls0 ws0\">erm\u00f6glicht sie eine Einsch\u00e4tzung der Au<span class=\"_ _0\"></span>swirkungen bei \u00c4nderungen der ma\u00dfgeblichen versicherun<span class=\"_ _0\"></span>gsmathematischen <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y42b ff4 fs2 fc2 sc0 ls0 ws0\">Annahmen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y710 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y711 ff5 fs2 fc2 sc0 ls0 ws0\">F\u00e4lligkeitsprofil<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y712 ff4 fs2 fc2 sc0 ls0 ws0\">In der nachfolgenden T<span class=\"_ _0\"></span>abelle sind die voraussichtlichen Leistungszah<span class=\"_ _0\"></span>lungen in jeder der nachfolgenden Period<span class=\"_ _0\"></span>en darge<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ellt: </div></div><div class=\"gs164\"><table class=\"s w31d h1a3\" id=\"_2d55c3f1-3310-4e38-b36a-8610f8d06709\"><tr><td class=\"c x174 y12f9 wbb hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x223 y12f9 wbc hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y12f9 wbd hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y12f9 wbe hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y12fa wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2023<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fa wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.719 </div></td><td class=\"c x224 y12fa wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.073 </div></td><td class=\"c x225 y12fa wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fb wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2024<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fb wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.051 </div></td><td class=\"c x224 y12fb wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.286 </div></td><td class=\"c x225 y12fb wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fc wbb hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">2025<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fc wbc hd\"><div class=\"t m0 x12 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.971 </div></td><td class=\"c x224 y12fc wbd hd\"><div class=\"t m0 x12 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">7.055 </div></td><td class=\"c x225 y12fc wbe hd\"><div class=\"t m0 xb8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fd wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2026<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fd wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.692 </div></td><td class=\"c x224 y12fd wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.826 </div></td><td class=\"c x225 y12fd wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fe wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2027<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fe wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.313 </div></td><td class=\"c x224 y12fe wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.608 </div></td><td class=\"c x225 y12fe wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x178 y12ff w31e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Summe erwarteter Leistun<span class=\"_ _0\"></span>gszahlungen der<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w31f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">folgenden f\u00fcnf Jahr<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span></div></td><td class=\"c x223 y1300 wbc h28\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.746 </div></td><td class=\"c x224 y1300 wbd h28\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.848 </div></td><td class=\"c x225 y1300 wbe h28\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y71a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y71b ff5 fs2 fc2 sc0 ls0 ws0\">Laufzeit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y71c ff4 fs2 fc2 sc0 ls0 ws0\">Die folgende Tabelle zeigt die gewichtete d<span class=\"_ _0\"></span>urchschnittliche Laufzeit der leistu<span class=\"_ _0\"></span>ngsorientierten Verpflichtung p<span class=\"_ _0\"></span>er 31.12.2022:<span class=\"_ _0\"></span> </div></div><div class=\"gs165\"><table class=\"s w31d h1a4\" id=\"_68664605-2ca6-4f2a-90c5-6bea2b92be3b\"><tr><td class=\"c x174 y1301 wbb hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in Jahren </div></td><td class=\"c x223 y1301 wbc hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y1301 wbd hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y1301 wbe hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y1302 wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufzeit </div></td><td class=\"c x223 y1302 wbc hf\"><div class=\"t m0 x69 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9,01 </div></td><td class=\"c x224 y1302 wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10,61 </div></td><td class=\"c x225 y1302 wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table></div><div class=\"gs166\"><table class=\"s w2ec h1a5\" id=\"_3e86f0dd-3656-40fd-9bad-c8e864bb6d25\"><tr><td></td><td class=\"c x226 y1303 w320 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcck-<span class=\"_ _128\"> </span></div></td><td class=\"c x227 y1303 w321 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckst. f\u00fcr das<span class=\"_ _128\"> </span></div></td><td class=\"c x228 y1303 w322 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcck-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1304 w17 h43\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der sonstigen R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x229 y1305 w323 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">stellung<span class=\"_ _128\"> </span></div></td><td class=\"c x22a y1305 w324 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft<span class=\"_ _128\"> </span></div></td><td class=\"c x22b y1305 w325 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">stellungen<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1306 w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand zum 1.1. </div></td><td class=\"c x22c y1306 wbf hf\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908 </div></td><td class=\"c x22d y1306 w10 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.250 </div></td><td class=\"c x22e y1306 w6 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.349 </div></td></tr><tr><td class=\"c x174 y1307 w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung </div></td><td class=\"c x22c y1307 wbf hf\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22d y1307 w10 hf\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.740 </div></td><td class=\"c x22e y1307 w6 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.249 </div></td></tr><tr><td class=\"c x178 y1308 w326 h1a6\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verbrauch / W\u00e4hrun<span class=\"_ _0\"></span>gsdifferenz / Effekt anteilsm\u00e4\u00dfige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1309 w327 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Konsolidierung / Umgliederun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span></div></td><td class=\"c x22c y130a wbf h81\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22d y130a w10 h81\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.214 </div></td><td class=\"c x22e y130a w6 h81\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">84</span> </div></td></tr><tr><td class=\"c x174 y130b w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sung </div></td><td class=\"c x22c y130b wbf hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.813 </div></td><td class=\"c x22d y130b w10 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-28.707 </div></td><td class=\"c x22e y130b w6 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.008 </div></td></tr><tr><td class=\"c x174 y130c w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand zum 31.12. </div></td><td class=\"c x22c y130c wbf hf\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095 </div></td><td class=\"c x22d y130c w10 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.497 </div></td><td class=\"c x22e y130c w6 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.506 </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y727 ff4 fs2 fc2 sc0 ls0 ws0\">Es handelt sich dabei \u00fcberw<span class=\"_ _0\"></span>iegend um kurzfristige R\u00fcckstellungen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div>Konzernabschlu<span class=\"_ _0\"></span>ss 78<span class=\"ls0\"> </span><table class=\"s w2e9 h1a7\" id=\"_e77bbf38-68e5-42e6-b9a3-1aa30656b7cb\"><tr><td class=\"c x1a7 y130d w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">26) Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130d w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y130d w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y130e w76 hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130e w81 hd\"><div class=\"t m0 x3f h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">50.381<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130e w75 hd\"><div class=\"t m0 x3f h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">35.539<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y130f w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerschulden<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130f w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">23.632<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130f w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.983<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1310 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufende Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1310 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.425<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1310 w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.738<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1311 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div><div class=\"t m0 xbb h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x97 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e3 y1311 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.207<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1311 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.245<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1312 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1312 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">141.298<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1312 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">143.833<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1313 w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1313 w81 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">122.876<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1313 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">244.459<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1314 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Negative Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1314 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">184.551<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1314 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.077<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1315 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1315 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">12.068<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1315 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.167<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1316 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1316 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">534.806<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1316 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">532.058<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y1318 w328 h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x22f h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">Details <span class=\"_ _5\"></span>zu Passiven Ste<span class=\"_ _5\"></span>uerabgrenzungen si<span class=\"_ _5\"></span>ehe Not<span class=\"_ _5\"></span>e 21, \u201eSonsti<span class=\"_ _5\"></span>ge Aktiva\u201c. Ab dem Jahr<span class=\"_ _5\"></span>esabschlus<span class=\"_ _5\"></span>s 31.12.2022 wer<span class=\"_ _5\"></span>den die L<span class=\"_ _5\"></span>easing<span class=\"ff4\">forderungen<span class=\"_ _128\"> </span></span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w329 h172\"><div class=\"t m0 x177 h17 y115f ff4 fs4 fc2 sc0 ls0 ws0\">netto, r<span class=\"_ _5\"></span>eduziert um <span class=\"ff9\">Mietso<span class=\"_ _5\"></span>nderzahlungen und D<span class=\"_ _5\"></span>epotzahlungen <span class=\"_ _5\"></span>in H\u00f6he von \u20ac 173 M<span class=\"_ _5\"></span>io. dargeste<span class=\"_ _5\"></span>llt. Di<span class=\"_ _5\"></span>es f\u00fchrt auch zu einer<span class=\"_ _5\"></span> Verringerung der<span class=\"_ _5\"></span> Sons-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">tigen Passiva <span class=\"_ _5\"></span>in identer<span class=\"_ _5\"></span> H\u00f6he.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w2d0 h1a8\" id=\"_65acca61-2c05-4237-b709-6acf3f556ac0\"><tr><td class=\"c x174 y1319 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">27) Sonstige Passiva (Anteil Handelspassiva)<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1319 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1319 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131a w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131a w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.769 </div></td><td class=\"c x1e8 y131a w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.122 </div></td></tr><tr><td class=\"c x174 y131b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y131b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.612 </div></td><td class=\"c x1e8 y131b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.417 </div></td></tr><tr><td class=\"c x174 y131c w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y131c w81 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y131c w75 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y131d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td class=\"c x1e7 y131d w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td class=\"c x1e8 y131d w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr></table><table class=\"s w2d0 h1a9\" id=\"_e3c56423-e9ce-4dfc-ad44-4d34f52e7f1a\"><tr><td class=\"c x174 y131e w76 h83\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">28) Nachrangkapital </div></td><td class=\"c x1e7 y131e w81 h83\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y131e w75 h83\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131f w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Begebene nachrangige Schuldverschreibun<span class=\"_ _0\"></span>gen inkl. Erg\u00e4nzungskapital<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131f w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y131f w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr><tr><td class=\"c x174 y1320 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Hybridkapital </div></td><td class=\"c x1e7 y1320 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1320 w75 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1321 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x1e7 y1321 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1321 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table><table class=\"s w2ec h1aa\" id=\"_ccbf5ff3-ee57-4b7d-8759-a1e2ff6dab90\"><tr><td class=\"c x174 y1322 w76 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital nach Fristen </div></td><td></td></tr><tr><td class=\"c x174 y1323 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1323 w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.822 </div></td><td class=\"c x1e8 y1323 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.227 </div></td></tr><tr><td class=\"c x174 y1324 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1324 w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.269 </div></td><td class=\"c x1e8 y1324 w75 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x174 y1325 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1325 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">219.374 </div></td><td class=\"c x1e8 y1325 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">291.052 </div></td></tr><tr><td class=\"c x174 y1326 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1326 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">204.247 </div></td><td class=\"c x1e8 y1326 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.087 </div></td></tr><tr><td class=\"c x174 y1327 w76 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital  </div></td><td class=\"c x1e7 y1327 w81 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1327 w75 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table><table class=\"s w2ec h1ab\" id=\"_fd8a1a6c-1ec6-4681-bf50-4e50b1f99ce5\"><tr><td class=\"c x174 y1328 w76 h84\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Nachrangkapital </div></td><td></td></tr><tr><td class=\"c x174 y1329 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand 1.1. </div></td><td class=\"c x1e7 y1329 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td><td class=\"c x1e8 y1329 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">485.775 </div></td></tr><tr><td class=\"c x174 y132a w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungswirksame Ver\u00e4nderungen </div></td><td class=\"c x1e7 y132a w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.844 </div></td><td class=\"c x1e8 y132a w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.828 </div></td></tr><tr><td class=\"c x174 y132b w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einzahlungen aus E<span class=\"_ _0\"></span>missionen </div></td><td class=\"c x1e7 y132b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.844 </div></td><td class=\"c x1e8 y132b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">43.079 </div></td></tr><tr><td class=\"c x174 y132c w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon R\u00fcckkauf/R\u00fcckzahlun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y132c w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-30.000 </div></td><td class=\"c x1e8 y132c w75 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.251 </div></td></tr><tr><td class=\"c x174 y132d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht zahlungswirksame Ver\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x1e7 y132d w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.500 </div></td><td class=\"c x1e8 y132d w75 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.235 </div></td></tr><tr><td class=\"c x174 y132e w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon Ver\u00e4nderungen des b<span class=\"_ _0\"></span>eizulegenden Zeitwerts </div></td><td class=\"c x1e7 y132e w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-39.266 </div></td><td class=\"c x1e8 y132e w75 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.207 </div></td></tr><tr><td class=\"c x174 y132f w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon sonstige \u00c4nd<span class=\"_ _0\"></span>erungen </div></td><td class=\"c x1e7 y132f w81 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.234 </div></td><td class=\"c x1e8 y132f w75 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">28</span> </div></td></tr><tr><td class=\"c x174 y1330 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand 31.12. </div></td><td class=\"c x1e7 y1330 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1330 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table>Konzernabschlu<span class=\"_ _0\"></span>ss 79<span class=\"ls0\"> </span><table class=\"s w32a h1ac\" id=\"_bec76602-7dee-419e-ac1c-d11f123fa601\"><tr><td class=\"c x1a7 y1331 w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">29) Eigenkapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1331 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y1331 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1332 w93 hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Gezeichnetes Kapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1332 w8e hd\"><div class=\"t m0 x5b h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">105.772<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1332 w92 hd\"><div class=\"t m0 x5b h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">105.863<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1333 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1333 w8e he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1333 w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1334 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinnr\u00fccklagen (inkl. Bilanzgewin<span class=\"_ _0\"></span>n)<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1334 w8e hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.875.147<span class=\"_ _128\"> </span> </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y1334 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.646.810<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1335 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Passive Unterschiedsb<span class=\"_ _0\"></span>etr\u00e4ge<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1335 w8e hf\"><div class=\"t m0 xc h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.872<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1335 w92 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.872<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1336 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zus\u00e4tzliche Eigenkapitalbest<span class=\"_ _0\"></span>andteile<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1336 w8e hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1336 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1337 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anteile nicht beherrschender Gesellschaft<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1337 w8e he\"><div class=\"t m0 xc h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">8.606<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1337 w92 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.793<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1338 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigenkapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1338 w8e hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.546.920<span class=\"_ _128\"> </span> </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y1338 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.317.861<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1339 w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der in Umlauf befindlichen Aktien (in St\u00fcck)<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y133a w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">In Umlauf befindliche Akt<span class=\"_ _0\"></span>ien per 1.1. </div></td><td class=\"c x1e3 y133a w8e he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.287.597 </div></td><td class=\"c x1e4 y133a w92 he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.127.062 </div></td></tr><tr><td class=\"c x1a7 y133b w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ausgabe neuer Aktien </div></td><td class=\"c x1e3 y133b w8e hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e4 y133b w92 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y133c w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kauf eigener Aktien </div></td><td class=\"c x1e3 y133c w8e hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-124.547 </div></td><td class=\"c x1e4 y133c w92 hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-216.585 </div></td></tr><tr><td class=\"c x1a7 y133d w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verkauf eigener Aktien </div></td><td class=\"c x1e3 y133d w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.099 </div></td><td class=\"c x1e4 y133d w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">377.120 </div></td></tr><tr><td class=\"c x1a7 y133e w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">In Umlauf b<span class=\"_ _0\"></span>efindliche Aktien per 31.12. </div></td><td class=\"c x1e3 y133e w8e he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.257.149 </div></td><td class=\"c x1e4 y133e w92 he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.287.597 </div></td></tr><tr><td class=\"c x1a7 y133f w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuz\u00fcglich eigene Aktien im Konzernbestand<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y133f w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.151 </div></td><td class=\"c x1e4 y133f w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.703 </div></td></tr><tr><td class=\"c x1a7 y1340 w93 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ausgegebene Aktien per 31.12.<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1340 w8e hd\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td><td class=\"c x1e4 y1340 w92 hd\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td></tr><tr><td class=\"c x199 y1341 w3 h3\"><div class=\"t m0 x3 h17 y73b ff4 fs4 fc2 sc0 ls0 ws0\">Der Buchwe<span class=\"_ _5\"></span>rt der gehal<span class=\"_ _5\"></span>tenen eigenen Ante<span class=\"_ _5\"></span>ile betr\u00e4gt<span class=\"_ _5\"></span> zum Bilanzstic<span class=\"_ _5\"></span>htag 5,1 Mio. Euro (Vorjahr<span class=\"_ _5\"></span> 1,8 Mio. Euro).<span class=\"fsc\"> </span></div><div class=\"t m0 x3 h5 y206 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w32b h1ad\" id=\"_846c92eb-4c76-4a63-85ba-ae8c757c8686\"><tr><td class=\"c x1a7 y1342 wc0 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">30) Anlagenspiegel </div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x230 y1343 w32c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">hievon als Finanzin<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1344 w32d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x231 y1345 w32e h150\" colspan=\"2\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immat. Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x232 y1345 w32f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">vestitionen gehalt<span class=\"_ _0\"></span>ene<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1346 w330 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen und Sachanlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x233 y1347 w331 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x234 y1348 wc2 h86\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x235 y1347 w27c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1349 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungs<span class=\"_ _0\"></span>-/Herstellungskosten 1.1.2022 </div></td><td class=\"c x236 y1349 wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.869 </div></td><td class=\"c x234 y1349 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">701.744 </div></td><td class=\"c x237 y1349 wc3 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.315 </div></td></tr><tr><td class=\"c x1a7 y134a wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsdifferenzen </div></td><td class=\"c x236 y134a wc1 hf\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">88</span> </div></td><td class=\"c x234 y134a wc2 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">230</span> </div></td><td class=\"c x237 y134a wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134b wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umbuchungen </div></td><td class=\"c x236 y134b wc1 hf\"><div class=\"t m0 x67 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x234 y134b wc2 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x237 y134b wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134c wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x236 y134c wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.504 </div></td><td class=\"c x234 y134c wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.191 </div></td><td class=\"c x237 y134c wc3 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y134d wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge </div></td><td class=\"c x236 y134d wc1 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">876<span class=\"ls0\"> </span></div></td><td class=\"c x234 y134d wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.514 </div></td><td class=\"c x237 y134d wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.990 </div></td></tr><tr><td class=\"c x1a7 y134e wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Abschreibungen </div></td><td class=\"c x236 y134e wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.642 </div></td><td class=\"c x234 y134e wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">333.802 </div></td><td class=\"c x237 y134e wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.691 </div></td></tr><tr><td class=\"c x1a7 y134f wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2022 </div></td><td class=\"c x236 y134f wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x234 y134f wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x237 y134f wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td></tr><tr><td class=\"c x1a7 y1350 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2021 </div></td><td class=\"c x236 y1350 wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x234 y1350 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x237 y1350 wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x1a7 y1351 wc0 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r </div></td><td class=\"c x236 y1351 wc1 hd\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">949<span class=\"ls0\"> </span></div></td><td class=\"c x234 y1351 wc2 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.133 </div></td><td class=\"c x237 y1351 wc3 hd\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.049 </div></td></tr><tr><td class=\"c x178 y11b1 w332 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Von den Abschr<span class=\"_ _5\"></span>eibungen i<span class=\"_ _5\"></span>m Gesch\u00e4ftsjahr der<span class=\"_ _5\"></span> Sachanlagen si<span class=\"_ _5\"></span>nd 7.681Tsd. Euro<span class=\"_ _5\"></span> aus Oper<span class=\"_ _5\"></span>ate Leasing im Sonst<span class=\"_ _5\"></span>igen betr<span class=\"_ _5\"></span>ieblichen <span class=\"_ _5\"></span>Er<span class=\"_ _0\"></span>folg ausgewiese<span class=\"_ _5\"></span>n.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w333 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Der bilan<span class=\"_ _5\"></span>ziell noch nicht<span class=\"_ _5\"></span> ber\u00fccksichtigte Tei<span class=\"_ _5\"></span>l der COVID-<span class=\"ls1b\">19</span>-Invest<span class=\"_ _5\"></span>itions<span class=\"_ _5\"></span>pr\u00e4mie betr\u00e4gt<span class=\"_ _5\"></span> 738 Tsd. Euro.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr></table>Konzernabschluss 80<span class=\"ls0\"> </span><table class=\"s w334 h1ae\" id=\"_acc3415c-b036-457f-8c08-ff5ab9b21a5f\"><tr><td class=\"c x239 y1352 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2022<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23a y1354 w335 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23b y1356 w336 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x23c y1356 w337 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Fremd-kapitalinstru-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x23d y1357 wc7 h89\"><div class=\"t m0 x11 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x23e y1357 wc8 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x23f y1357 wc9 h89\"><div class=\"t m0 x79 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x240 y1357 wca h89\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1357 wcb h89\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x242 y1358 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x243 y1358 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td class=\"c x244 y1357 wce h89\"><div class=\"t m0 xa6 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x245 y1357 wcf h89\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x246 y1357 wd0 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1359 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135a wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y135a wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1359 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y1359 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135b w33a h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135c wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x246 y135c wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135e wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td><td class=\"c x246 y135e wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.398<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y135f wc6 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x23d y1360 wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td class=\"c x23e y1360 wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y1360 wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y1360 wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y1360 wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y1360 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x246 y1360 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.192.911<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y135f wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x23e y135f wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y135f wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y135f wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y135f wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y135f wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td><td></td><td class=\"c x246 y135f wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.760.205<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1361 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y1362 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1362 wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1361 wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1361 wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1363 wc6 h8d\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y1364 wc7 h4e\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x23e y1364 wc8 h4e\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1364 wc9 h4e\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1364 wcb h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1364 wcc h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1364 wcd h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1364 wcf h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td class=\"c x246 y1364 wd0 h4e\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.653.467<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1365 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x23d y1363 wc7 h8b\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.342.212 </div></td><td class=\"c x23e y1363 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1363 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1363 wcb h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1363 wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1363 wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1366 wcf h4f\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x246 y1366 wd0 h4f\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.767<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1367 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1368 wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x246 y1368 wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">357.389<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1369 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y136a wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y136a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.812 </div></td><td class=\"c x246 y136a wd0 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">189.451<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1369 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y136b wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y136b wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136b wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136c wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y136c wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136c wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136d wc6 h8a\"><div class=\"t m0 x7 h23 y723 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y136e wc7 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.513.708<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136e wc8 h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136e wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136e wca h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136e wcb h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136e wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136e wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136e wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.425.977<span class=\"ls0\"> </span></div></td><td class=\"c x245 y136e wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.610.612<span class=\"ls0\"> </span></div></td><td class=\"c x246 y136e wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y136d wc7 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.378.327<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136d wc8 h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136d wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136d wca h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136d wcb h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136d wcc h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136d wcd h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136d wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.000.936<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y136f w33c h1b2\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kre-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1370 wc8 h8f\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1370 wc9 h8f\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1370 wce h8f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x246 y1370 wd0 h8f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1371 w33d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">ditinstituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1372 wc8 h8b\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1372 wc9 h8b\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1372 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td><td class=\"c x246 y1372 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.078.306<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1373 w33e h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1374 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1374 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1374 wce h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x246 y1374 wd0 h4f\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.061.355<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1375 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1376 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1376 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1376 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td><td class=\"c x246 y1376 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.046.650<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1377 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x23e y1378 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1378 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1378 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x246 y1378 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.407.017<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1377 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1377 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1377 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td><td class=\"c x246 y1377 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.148.744<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1379 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137a wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">319.622 </div></td><td class=\"c x246 y137a wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">319.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y137b wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y137c wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137c wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.874 </div></td><td class=\"c x246 y137c wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">534.806<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y137b wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y137d wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y137d wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137d wd0 h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137e wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y137e wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137e wd0 h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137f wc6 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x23e y1380 wc8 h8f\"><div class=\"t m0 x4f h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y1380 wc9 h8f\"><div class=\"t m0 x14 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1380 wce h8f\"><div class=\"t m0 x42 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x246 y1380 wd0 h8f\"><div class=\"t m0 x2b h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">479.712<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y137f wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y137f wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y137f wce h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td><td class=\"c x246 y137f wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">458.831<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1381 wc6 h8a\"><div class=\"t m0 x7 h20 y76e ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1382 wcf h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.546.920 </div></td><td class=\"c x246 y1382 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.546.920<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1383 wc6 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x23e y1383 wc8 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1383 wc9 h8b\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1383 wca h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1383 wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.194.489<span class=\"ls0\"> </span></div></td><td class=\"c x245 y1383 wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.166.415<span class=\"ls0\"> </span></div></td><td class=\"c x246 y1383 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1384 wc8 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1384 wc9 h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1384 wca h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1384 wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">20.530.202<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 81<span class=\"ls0\"> </span><table class=\"s w340 h1b5\" id=\"_4408c659-2e0c-4a93-a6b7-ce9f48ed4cb7\"><tr><td class=\"c x239 y1385 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2021<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x249 y1386 w336 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x24a y1386 w341 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Fremd-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x24b y1387 wd2 h8c\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x24c y1387 wd3 h8c\"><div class=\"t m0 x8c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x24d y1387 wd4 h8c\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x24e y1387 wcf h8c\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1387 wcf h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x24f y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x250 y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x251 y1387 wd7 h8c\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x252 y1387 wd3 h8c\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x253 y1387 wd8 h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1389 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138a wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y138a wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y1389 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y1389 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138b w33a h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138c wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x253 y138c wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138e wd7 h8b\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td><td class=\"c x253 y138e wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">874.216<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y138f wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x24b y1390 wd2 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td class=\"c x24c y1390 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y1390 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y1390 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y1390 wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y1390 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x253 y1390 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.427.927<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y138f wd2 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x24c y138f wd3 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y138f wd4 h8b\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y138f wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y138f wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y138f wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td><td></td><td class=\"c x253 y138f wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.685.283<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1391 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y1392 wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1392 wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1391 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1391 wd8 h4f\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1393 wd1 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y1394 wd2 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td class=\"c x24c y1394 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1394 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1394 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1394 wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1394 wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1394 wd3 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td class=\"c x253 y1394 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.180.410<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1395 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x24b y1393 wd2 h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.307.671 </div></td><td class=\"c x24c y1393 wd3 h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1393 wd4 h4e\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1393 wcf h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1393 wd5 h4e\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1393 wd6 h4e\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1396 wd3 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x253 y1396 wd8 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.221<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1397 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y1398 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x253 y1398 wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">382.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1399 wd1 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y139a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y139a wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">131.467 </div></td><td class=\"c x253 y139a wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">233.626<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1399 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y139b wd1 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y139b wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139b wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139c wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y139c wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139c wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139d wd1 h8a\"><div class=\"t m0 x7 h23 y751 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y139e wd2 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.320.236<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139e wd3 h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139e wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139e wd5 h4f\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139e wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139e wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.592.529<span class=\"ls0\"> </span></div></td><td class=\"c x252 y139e wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.518.075<span class=\"ls0\"> </span></div></td><td class=\"c x253 y139e wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y139d wd2 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.346.453<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139d wd3 h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139d wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139d wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139d wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139d wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.848.885<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y139f w342 h1b7\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kredit-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a0 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a0 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a0 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x253 y13a0 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.893.338<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a1 w343 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">instituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a2 wd3 h8f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a2 wd4 h8f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a2 wd7 h8f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td><td class=\"c x253 y13a2 wd8 h8f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.829.476<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a3 w33e h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a4 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a4 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a4 wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x253 y13a4 wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.728.589<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a5 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a6 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a6 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a6 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td><td class=\"c x253 y13a6 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.740.368<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a7 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x24c y13a8 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a8 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a8 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x253 y13a8 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.206.647<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13a7 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a7 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a7 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td><td class=\"c x253 y13a7 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.227.883<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a9 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13aa wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">364.803 </div></td><td class=\"c x253 y13aa wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">364.803<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ab wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ac wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13ac wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">462.441 </div></td><td class=\"c x253 y13ac wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">532.058<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y13ab wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y13ad wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ad wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ad wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ae wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y13ae wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ae wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13af wd1 h8d\"><div class=\"t m0 x7 h20 y777 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x24c y13b0 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13b0 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13b0 wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x253 y13b0 wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">496.368<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13af wd3 h8f\"><div class=\"t m0 x13 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13af wd4 h8f\"><div class=\"t m0 x2e h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13af wd7 h8f\"><div class=\"t m0 x4d h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td><td class=\"c x253 y13af wd8 h8f\"><div class=\"t m0 x85 h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">505.276<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b1 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13b2 wd3 h4f\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.317.861 </div></td><td class=\"c x253 y13b2 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.317.861<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b3 wd1 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x24c y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b3 wd4 h4f\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b3 wcf h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b3 wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.788.972<span class=\"ls0\"> </span></div></td><td class=\"c x252 y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.145.105<span class=\"ls0\"> </span></div></td><td class=\"c x253 y13b3 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13b4 wd3 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b4 wd4 h8b\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b4 wcf h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b4 wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.767.033<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 82<span class=\"ls0\"> </span>Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es hinsichtlich finanzieller Verm\u00f6genswert<span class=\"_ _0\"></span>e keine Reklassifizierungen aus der Bewertungskategorie z<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im<span class=\"_ _128\"> </span> sonstigen Ergebnis (FV/OCI) in<span class=\"_ _0\"></span> die Bewertungskategorie zu fortgef\u00fchrten Anschaffung<span class=\"_ _0\"></span>sko<span class=\"_ _0\"></span>sten (AC) und kein<span class=\"_ _0\"></span>e Reklassifizierungen aus der Bewertungskategorie zum beizulegenden<span class=\"_ _128\"> </span> Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL) in die Bewertungskategorien zu fo<span class=\"_ _0\"></span>rtgef\u00fchrten Anschaffungskosten (A<span class=\"_ _0\"></span>C) oder zum beizule<span class=\"_ _0\"></span>gend<span class=\"_ _0\"></span>en Zeitwert mit Wert\u00e4nd<span class=\"_ _0\"></span>erungen im sonstigen<span class=\"_ _128\"> </span> Ergebnis (FV/OCI). <table class=\"s w344 h1b8\" id=\"_44922ec6-2ba3-40b7-ba33-225ba6f342a5\"><tr><td class=\"c x178 y13b6 w345 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13b7 w346 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13b8 w347 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13b8 w348 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13b9 w349 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13ba w34a h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13bb w34b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13bb w34c h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13bc w34d h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13bd wdb h92\"><div class=\"t m0 x3b h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td><td class=\"c x25c y13bd wde h92\"><div class=\"t m0 x59 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2022 </div></td><td class=\"c x25d y13bd wdf h92\"><div class=\"t m0 x15 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13bd wdd h92\"><div class=\"t m0 x36 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td></tr><tr><td class=\"c x1bc y13be wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13be wdb h2a\"><div class=\"t m0 xb1 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25c y13be wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">420<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13be wdf h2a\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25e y13be wdd h2a\"><div class=\"t m0 x34 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y13bf wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13bf wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.069 </div></td><td class=\"c x25c y13bf wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">63.395 </div></td><td class=\"c x25d y13bf wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td><td class=\"c x25e y13bf wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td></tr><tr><td class=\"c x1bc y13c0 wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13c0 wdb h12\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.207 </div></td><td class=\"c x25c y13c0 wde h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">101.856 </div></td><td class=\"c x25d y13c0 wdf h12\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td><td class=\"c x25e y13c0 wdd h12\"><div class=\"t m0 x9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td></tr><tr><td class=\"c x1bc y13c1 wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13c1 wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.080 </div></td><td class=\"c x25c y13c1 wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.171 </div></td><td class=\"c x25d y13c1 wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td><td class=\"c x25e y13c1 wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td></tr></table>Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es keine Umgliederungen des kumulierten Gewinn<span class=\"_ _0\"></span>s oder Verlusts innerhalb des Eigenkapitals. <span class=\"_ _1\"></span> <table class=\"s w344 h1ba\" id=\"_d0c76b1b-7115-44fe-b486-32ce8152a8f1\"><tr><td class=\"c x178 y13c2 w345 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c3 w346 h1bc\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13c4 w347 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13c4 w348 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13c5 w349 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c6 w34a h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13c7 w34b h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13c7 w34c h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13c8 w34d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13c9 wdb hc\"><div class=\"t m0 x3b h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td><td class=\"c x25c y13c9 wde hc\"><div class=\"t m0 x59 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2021 </div></td><td class=\"c x25d y13c9 wdf hc\"><div class=\"t m0 x15 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13c9 wdd hc\"><div class=\"t m0 x36 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td></tr><tr><td class=\"c x1bc y13ca wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13ca wdb h2a\"><div class=\"t m0 xc0 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">48</span> </div></td><td class=\"c x25c y13ca wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">587<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13ca wdf h2a\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td><td class=\"c x25e y13ca wdd h2a\"><div class=\"t m0 xd4 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y13cb wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13cb wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.082 </div></td><td class=\"c x25c y13cb wde h12\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">21.888 </div></td><td class=\"c x25d y13cb wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td><td class=\"c x25e y13cb wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td></tr><tr><td class=\"c x1bc y13cc wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13cc wdb hc\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.062 </div></td><td class=\"c x25c y13cc wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.466 </div></td><td class=\"c x25d y13cc wdf hc\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td><td class=\"c x25e y13cc wdd hc\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td></tr><tr><td class=\"c x1bc y13cd wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13cd wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.015 </div></td><td class=\"c x25c y13cd wde h12\"><div class=\"t m0 x2c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.084 </div></td><td class=\"c x25d y13cd wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td><td class=\"c x25e y13cd wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td></tr></table><table class=\"s w34e h1bd\" id=\"_fab075b1-d021-4a36-9e7c-62abc5e55e9f\"><tr><td class=\"c x178 y13cf w345 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13d1 w34f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13d2 w350 h1bc\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13d3 w351 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13d4 w352 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13d5 w353 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13d6 w354 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13d7 w355 h1af\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13d8 w339 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13d9 w356 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13da w357 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13dc w358 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13dd we0 h2a\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13dd we1 h2a\"><div class=\"t m0 x4a h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td class=\"c x26e y13dd we2 h2a\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13de we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13de we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td class=\"c x26e y13de we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13de w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">275<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13de w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 83<span class=\"ls0\"> </span><table class=\"s w34e h1c0\" id=\"_0eabd4bf-0fad-41f3-8d4c-525aed528ca5\"><tr><td class=\"c x178 y13e0 w345 h1c1\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13e1 w34f h1c2\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13e2 w350 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13e3 w351 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13e4 w352 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13e5 w353 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13e6 w354 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13e7 w355 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13e8 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13e9 w356 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13ea w357 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13ec w358 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13ed we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13ed we1 hc\"><div class=\"t m0 x37 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td class=\"c x26e y13ed we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13ee we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13ee we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td class=\"c x26e y13ee we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ee w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ee w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Das <span class=\"_ _0\"></span>maximale Au<span class=\"_ _0\"></span>sfallrisiko <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _1\"></span>Finanzinstrumente <span class=\"_ _0\"></span>im <span class=\"_ _0\"></span>Anwendun<span class=\"_ _0\"></span>gsbereich <span class=\"_ _0\"></span>von <span class=\"_ _0\"></span>IFRS <span class=\"_ _0\"></span>9, <span class=\"_ _0\"></span>auf <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>ie jedo<span class=\"_ _0\"></span>ch <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>Wertminderungsvorschr<span class=\"_ _0\"></span>iften <span class=\"_ _0\"></span>nach <span class=\"_ _0\"></span>IFRS <span class=\"_ _0\"></span>9 <span class=\"_ _0\"></span>keine <span class=\"_ _0\"></span>Anwendunge<span class=\"_ _1\"></span>n <span class=\"_ _0\"></span>fin<span class=\"_ _0\"></span>den, <span class=\"_ _0\"></span>stellt <span class=\"_ _0\"></span>sich<span class=\"_ _128\"> </span> wie folgt dar: <table class=\"s w359 h1c3\" id=\"_6a07c216-da82-4607-b67d-73f4fdd93a95\"><tr><td></td><td class=\"c x270 y13ef we4 hc\"><div class=\"t m0 x4a h23 y84 ff5 fs8 fc2 sc0 ls22 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x271 y13ef wbf hc\"><div class=\"t m0 xe h23 y84 ff5 fs8 fc2 sc0 ls22 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x272 y13f0 w9b h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden FV/PL </div></td><td class=\"c x270 y13f0 we4 h12\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x271 y13f0 wbf h12\"><div class=\"t m0 x4 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td></tr><tr><td class=\"c x272 y13f1 w9b hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen FV/PL </div></td><td class=\"c x270 y13f1 we4 hc\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x271 y13f1 wbf hc\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td></tr><tr><td class=\"c x272 y13f2 w9b h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen FV/OCI </div></td><td class=\"c x270 y13f2 we4 h12\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x271 y13f2 wbf h12\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td></tr><tr><td class=\"c x272 y13f3 w9b hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x270 y13f3 we4 hc\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.654 </div></td><td class=\"c x271 y13f3 wbf hc\"><div class=\"t m0 x4 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td></tr><tr><td class=\"c x272 y13f4 w9b hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td class=\"c x270 y13f4 we4 hc\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td class=\"c x271 y13f4 wbf hc\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td></tr><tr><td class=\"c x272 y13f5 w9b hc\"><div class=\"t m0 x90 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x270 y13f5 we4 hc\"><div class=\"t m0 x72 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">942.867<span class=\"ls0\"> </span></div></td><td class=\"c x271 y13f5 wbf hc\"><div class=\"t m0 x41 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.031.960<span class=\"ls0\"> </span></div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 84<span class=\"ls0\"> </span><table class=\"s w35a h1c4\" id=\"_3bff9e47-9695-417c-95ea-759119813020\"><tr><td class=\"c x183 y13f6 w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y13f7 w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y13f8 we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y13f9 w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y13f8 we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y13fa we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y13fa we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y13fa wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y13fa w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y13fa w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y13fa wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y13fa wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y13fa wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y13fa wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y13fa wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y13fb w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fc wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fd we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y13fd wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td></td><td class=\"c x277 y13fd w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td></td><td class=\"c x279 y13fd wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">67.874<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y13fd wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">54.183 </div></td><td class=\"c x27b y13fd wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.691 </div></td></tr><tr><td class=\"c x1a7 y13fe we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y13fe w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td class=\"c x279 y13fe wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13fe wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.935 </div></td><td class=\"c x27a y13fe wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">46.720 </div></td><td></td></tr><tr><td class=\"c x1a7 y13ff we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y13ff wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y13ff wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">489.243<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13ff wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">255.170 </div></td><td class=\"c x27a y13ff wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.074 </div></td><td></td></tr><tr><td class=\"c x1a7 y1400 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1400 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td></td><td></td><td class=\"c x279 y1400 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">594.456<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1400 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">326.928 </div></td><td class=\"c x27a y1400 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.122 </div></td><td class=\"c x27b y1400 wef hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">263.405<span class=\"_ _128\"> </span></div><div class=\"t m0 x14 h15 y18f ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1401 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1401 w98 hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1401 wec hd\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1401 wee hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1aa y1402 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1403 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1404 w98 h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1404 wec h44\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1404 wee h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1a7 y1405 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1406 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1406 web he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x279 y1406 wec he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1406 wee he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td></tr><tr><td class=\"c x1a7 y1407 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y1407 we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td></td><td></td><td></td><td class=\"c x27d y1407 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x279 y1407 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.125.037<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1407 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x27b y1407 wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td></tr><tr><td class=\"c x1a7 y1408 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y1408 we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1408 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.470.122<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1408 wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.299.389 </div></td><td class=\"c x27a y1408 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">42.823 </div></td><td></td></tr><tr><td class=\"c x1a7 y1409 wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140b we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y140b wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140b wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">284.307<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140b wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td></tr><tr><td class=\"c x1a7 y140c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y140c wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140c wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">640.406<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140c wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td></tr><tr><td class=\"c x1a7 y140d we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y140d w98 he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td><td></td><td></td><td class=\"c x279 y140d wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.931<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140d wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td></tr><tr><td class=\"c x1aa y140e w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y140f w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1410 w98 h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td class=\"c x279 y1410 wec h28\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">184.551<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1410 wee h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td></tr><tr><td class=\"c x1a7 y1411 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1411 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1411 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">277.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1411 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td></tr><tr><td class=\"c x1a7 y1412 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1413 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1413 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x279 y1413 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1413 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td></tr><tr><td class=\"c x1a7 y1414 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1414 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x279 y1414 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.777.048<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1414 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td></tr><tr><td class=\"c x1a7 y1415 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1415 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x279 y1415 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.766.610<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1415 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td></tr><tr><td class=\"c x1a7 y1416 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1417 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1417 web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x279 y1417 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">202.096<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1417 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td></tr><tr><td class=\"c x178 y1418 w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1419 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 85<span class=\"ls0\"> </span><table class=\"s w35a h1c6\" id=\"_85c30aae-8563-4bac-b922-b12bc27f00f9\"><tr><td class=\"c x183 y141a w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y141b w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y141c we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y141d w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y141c we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y141e we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y141e we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y141e wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y141e w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y141e w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y141e wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y141e wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y141e wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y141e wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y141e wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y141f w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1420 wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1421 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y1421 wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td></td><td class=\"c x277 y1421 w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td></td><td class=\"c x279 y1421 wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">72.747<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1421 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.234 </div></td><td class=\"c x27b y1421 wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x1a7 y1422 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y1422 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td class=\"c x279 y1422 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1422 wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.614 </div></td><td class=\"c x27a y1422 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.766 </div></td><td></td></tr><tr><td class=\"c x1a7 y1423 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y1423 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1423 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">481.966<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1423 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">239.512 </div></td><td class=\"c x27a y1423 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">242.454 </div></td><td></td></tr><tr><td class=\"c x1a7 y1424 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1424 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td></td><td></td><td class=\"c x279 y1424 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">414.571<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1424 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">168.541 </div></td><td class=\"c x27a y1424 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.096 </div></td><td class=\"c x27b y1424 wef hf\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">241.933</div><div class=\"t m0 x2c h15 y18f ff4 fs5 fc2 sc0 ls0 ws0\"> <span class=\"ls16\">1)</span></div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1425 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1425 w98 hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1425 wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1425 wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1aa y1426 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1427 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1428 w98 h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1428 wec h44\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1428 wee h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1a7 y1429 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142a we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y142a web he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x279 y142a wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142a wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td></tr><tr><td class=\"c x1a7 y142b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y142b we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td></td><td></td><td></td><td class=\"c x27d y142b web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x279 y142b wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.355.180<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142b wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x27b y142b wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td></tr><tr><td class=\"c x1a7 y142c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y142c we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142c wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.283.109<span class=\"ls0\"> </span></div></td><td class=\"c x275 y142c wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.251.320 </div></td><td class=\"c x27a y142c wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.351 </div></td><td></td></tr><tr><td class=\"c x1a7 y142d wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142e we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td class=\"c x18e y142e wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142e wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">25.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142e wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td></tr><tr><td class=\"c x1a7 y142f we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y142f wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142f wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">394.972<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142f wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td></tr><tr><td class=\"c x1a7 y1430 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y1430 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1430 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">768.809<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1430 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td></tr><tr><td class=\"c x1a7 y1431 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y1431 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td><td></td><td></td><td class=\"c x279 y1431 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1431 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td></tr><tr><td class=\"c x1aa y1432 w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1433 w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1434 w98 h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td class=\"c x279 y1434 wec h28\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1434 wee h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td></tr><tr><td class=\"c x1a7 y1435 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1435 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1435 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">346.572<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1435 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td></tr><tr><td class=\"c x1a7 y1436 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1437 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1437 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x279 y1437 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.867.720<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1437 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td></tr><tr><td class=\"c x1a7 y1438 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1438 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x279 y1438 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.333.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1438 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td></tr><tr><td class=\"c x1a7 y1439 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1439 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x279 y1439 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.437.838<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1439 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td></tr><tr><td class=\"c x1a7 y143a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y143b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y143b web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x279 y143b wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">149.797<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y143b wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td></tr><tr><td class=\"c x178 y143c w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">86<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Unter Fair Value versteht man den Pr<span class=\"_ _0\"></span>eis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen<span class=\"_ _0\"></span> MarktteilnehmerInnen am Bi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">lanzstichtag f\u00fcr den Verkauf eines Verm\u00f6gensw<span class=\"_ _0\"></span>erts eingenommen bzw. f\u00fc<span class=\"_ _0\"></span>r die \u00dcbertragung einer Schuld geza<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>lt werden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">w\u00fcrde. Bei der Bemessung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts wird davon<span class=\"_ _0\"></span> ausgegangen, dass der Gesch\u00e4ftsvorfall entweder au<span class=\"_ _0\"></span>f<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">dem Hauptmarkt f\u00fcr<span class=\"_ _0\"></span> den Verm\u00f6genswert oder die Schuld stattfindet, oder auf d<span class=\"_ _0\"></span>em vorteilhaftesten Markt, sofern kein<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Hauptmarkt vorh<span class=\"_ _0\"></span>anden ist und sofern Zugang zu diesen M\u00e4r<span class=\"_ _0\"></span>kten besteht. Sofern es not<span class=\"_ _0\"></span>ierte Preise f\u00fcr idente Verm\u00f6gens-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">werte oder Schulden in aktiven M\u00e4rkt<span class=\"_ _0\"></span>en gibt, zu denen am Bilanzstichtag eine Zugangsm\u00f6glichkeit besteh<span class=\"_ _0\"></span>t, werden diese zur<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Bewertung herangezogen (Level 1)<span class=\"_ _0\"></span>. Sind keine derart<span class=\"_ _0\"></span>igen Marktpreise verf\u00fcgbar, kommen zur Fair Value Ermitt<span class=\"_ _0\"></span>lung Bewer-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">tungsmodelle zum Ein<span class=\"_ _0\"></span>satz, die auf direkt oder indirekt beobachtb<span class=\"_ _0\"></span>aren Parametern beruhen (Level 2). L\u00e4sst sich der Fair Va-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">lue weder anhand von Marktpreisen no<span class=\"_ _0\"></span>ch auf Basis v<span class=\"_ _0\"></span>on Bewertungsmod<span class=\"_ _0\"></span>ellen, die sich vollst\u00e4ndig auf direkt oder indirekt<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">beobachtbare Marktd<span class=\"_ _0\"></span>aten st\u00fctzen, ermitteln, werden einzelne nicht am M<span class=\"_ _0\"></span>arkt beobachtbare Bewertungsparameter anhand<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">angemessener Annahmen gesch\u00e4t<span class=\"_ _0\"></span>zt (Level 3). S\u00e4mtliche Bewer<span class=\"_ _0\"></span>tungen zum beizulegenden Zeit<span class=\"_ _0\"></span>wert betreffen regelm\u00e4\u00dfige<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Bewertungen. Es gab im Berichtszeitraum keine einmaligen Bew<span class=\"_ _0\"></span>ertungen zum beizulegenden Zeitw<span class=\"_ _0\"></span>ert.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11c ff5 fs2 fc2 sc0 ls0 ws0\">Bewertungsprozess<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement der Oberbank ist f\u00fcr die unabh\u00e4n<span class=\"_ _0\"></span>gige \u00dcberwachung und Kommunikation von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Risiken sowie f\u00fcr die Bewertung der Finan<span class=\"_ _0\"></span>zinstrumente zust\u00e4ndig. Sie ist aufbau<span class=\"_ _0\"></span>organisatorisch vom Hand<span class=\"_ _0\"></span>el, der f\u00fcr die Initi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">ierung bzw. den A<span class=\"_ _0\"></span>bschluss der Gesch\u00e4fte zust\u00e4nd<span class=\"_ _0\"></span>ig ist, getrennt. Die Handelsbuchpositionen werden t<span class=\"_ _0\"></span>\u00e4glich zu Gesch\u00e4fts-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">schluss mit aktuellen M<span class=\"_ _0\"></span>arktpreisen bewertet.  </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Als Marktpreise werden a<span class=\"_ _0\"></span>ktuelle B\u00f6rsenkurse verwendet soweit ein \u00f6ffentlich notierter M<span class=\"_ _0\"></span>arktpreis zur Verf\u00fcg<span class=\"_ _1\"></span>ung steht.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">Wenn eine direkte Bewertun<span class=\"_ _0\"></span>g zu B\u00f6rsenkursen nicht m\u00f6glich ist, werden Modellwert<span class=\"_ _0\"></span>e, die sich aus der Zugrundelegung ak-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y124 ff9 fs2 fc2 sc0 ls0 ws0\">tueller beobachtbarer Marktdaten (Zin<span class=\"_ _0\"></span>skurven, Volatilit\u00e4ten,\u2026.) ergeben, verwend<span class=\"_ _0\"></span>et. Diese Marktdaten werden t\u00e4glich vali-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">diert und in<span class=\"_ _0\"></span> tourlichen Abst\u00e4nden werden die Modellpreise mit tats\u00e4chlich am Mar<span class=\"_ _0\"></span>kt erzielbaren Preisen verglichen, dabei<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">werden die Modellpreise der Derivate mit d<span class=\"_ _0\"></span>en Modellwerten der Partnerb<span class=\"_ _0\"></span>anken verglichen. Der Vorstand wird t\u00e4glich \u00fcber<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">die Risikoposition<span class=\"_ _0\"></span> und die Bewertungsergebnisse aus d<span class=\"_ _0\"></span>en gesamten Handelsbuchpositionen informiert. D<span class=\"_ _0\"></span>ie Ermittlung von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">Fair Values zu Finanzinstru<span class=\"_ _0\"></span>menten, die nicht das Handelsbuch betreffen, erfolgt quartalsw<span class=\"_ _0\"></span>eise.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y12a ff5 fs2 fc2 sc0 ls0 ws0\">Bewertungsverfahren zur Ermittlung des Fair Value<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">Die verwendeten <span class=\"_ _0\"></span>Bewertungsmodelle entsprechen anerkannt<span class=\"_ _0\"></span>en finanzmathematischen Methoden zu<span class=\"_ _0\"></span>r Bewertung von Fi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">nanzinstrument<span class=\"_ _0\"></span>en und ber\u00fccksichtigen alle Faktoren, die die Marktt<span class=\"_ _0\"></span>eilnehmerInnen bei der Festlegung eines Preises als an-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">gemessen betrachten<span class=\"_ _0\"></span>. Zur Fair Value Bewertun<span class=\"_ _0\"></span>g kommt als Bewertungsansatz d<span class=\"_ _0\"></span>er einkommensbasierte Ansatz zur Anwen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">dung. Der marktbasierte An<span class=\"_ _0\"></span>satz wird lediglich bei der Fair Value Bewertung von struktur<span class=\"_ _0\"></span>ierten Produkten verwendet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y130 ff5 fs2 fc2 sc0 ls0 ws0\">Inputfaktoren zur Berechnung des Fair Value<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Die Fair Value Bewertun<span class=\"_ _0\"></span>g f\u00fcr Level 1 Finanzinstru<span class=\"_ _0\"></span>mente erfolgt mit an aktiven M\u00e4rkten notierten Preisen. Darunt<span class=\"_ _0\"></span>er fallen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">b\u00f6rsennotierte Wertpap<span class=\"_ _0\"></span>iere und Derivate. Wenn eine direkte Bewertung zu B\u00f6rsenkursen<span class=\"_ _0\"></span> nicht m\u00f6glich ist, werden f\u00fcr die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Ermittlung des Zeitwerts in Level 2 Modellwe<span class=\"_ _0\"></span>rte, die sich aus <span class=\"_ _0\"></span>der Zugrundelegung aktueller Marktd<span class=\"_ _0\"></span>aten (Zinskurven, Volatili-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">t\u00e4ten, etc.) ergeben<span class=\"_ _0\"></span>, verwendet. Die der Bewertung zugrund<span class=\"_ _0\"></span>e liegenden Zinskurven und Volat<span class=\"_ _0\"></span>ilit\u00e4ten kommen vom System<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Refinitiv.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">Es kommen anerkannt<span class=\"_ _0\"></span>e Bewertungsmodelle zum Einsat<span class=\"_ _0\"></span>z, wobei die Bewertun<span class=\"_ _0\"></span>g zu Marktbedingungen durchgef\u00fch<span class=\"_ _0\"></span>rt wird. Im<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Fall von Derivaten kommt b<span class=\"_ _0\"></span>ei symmetrischen Produkten (z. B. IRS) die Discount<span class=\"_ _0\"></span>ed Cashflow Methode zur<span class=\"_ _0\"></span> Anwendung. Die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">beizulegenden Zeitwerte f\u00fcr a<span class=\"_ _0\"></span>symmetrische Produkte (Optionen) werd<span class=\"_ _0\"></span>en mit Standardmethoden (z. B. Black Scholes, Hull &amp;<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">White, ...) berechnet. F\u00fcr<span class=\"_ _0\"></span> strukturierte Produkte erfolgt die Ermittlun<span class=\"_ _0\"></span>g mit Hilfe der Nutzung von Preisinformation<span class=\"_ _0\"></span>en Dritter<span class=\"_ _0\"></span><span class=\"ls26\">. <span class=\"_ _0\"></span></span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">S\u00e4mtliche Derivate werden zu<span class=\"_ _0\"></span>n\u00e4chst gegenparteirisikofrei bewertet. In<span class=\"_ _0\"></span> einem zweiten Schritt wird aufbauend auf intern<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">Ausfallswahrscheinlichkeiten auf Basis eines erw<span class=\"_ _0\"></span>arteten Verlusts ein Kreditrisikoabschlag (CVA) ermittelt.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Die Zeitwerte f\u00fcr nicht b\u00f6rsennot<span class=\"_ _0\"></span>ierte Wertp<span class=\"_ _0\"></span>apiere werden aus dem System Geos entnommen. D<span class=\"_ _0\"></span>ie Zeitwerte f\u00fcr Anteile an<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">Fonds werden von d<span class=\"_ _0\"></span>en Fondsgesellschaften \u00fcberno<span class=\"_ _0\"></span>mmen. Die Berechnung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>f\u00fcr Verbriefte Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c8 ff4 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten, Nachrangkapit<span class=\"_ _0\"></span>al und Verbindlichkeiten gegen\u00fcbe<span class=\"_ _0\"></span>r Banken und Kund<span class=\"_ _0\"></span>en erfolgt nach der Barwertmethode<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y7c3 ff4 fs2 fc2 sc0 ls0 ws0\">(Discounted Cashflow<span class=\"_ _0\"></span>), wobei die Ermittlung der Cashflow<span class=\"_ _0\"></span>s der Eigenen Emissionen auf Basis des Vertragszinssatzes erfolgt.<span class=\"_ _1\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">87<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Zur Abzinsung w<span class=\"_ _0\"></span>ird die der W\u00e4hrung entsprechende Diskontkurve herangezogen, wob<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>i ein der Seniorit\u00e4t entsprechender<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4ts<span class=\"_ _0\"></span>-Spread der Bank als Aufschlag verwendet wird<span class=\"_ _0\"></span>. Die Bonit\u00e4tsaufschl\u00e4ge werden regelm\u00e4\u00dfig an d<span class=\"_ _0\"></span>ie jeweiligen M<span class=\"_ _0\"></span>arkt-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">gegebenheiten angepasst.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr die Ermittlung des Zeitwerts in Level 3 kommen an<span class=\"_ _0\"></span>erkannte Bewertungsmod<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>lle zum Einsatz. Die Fair Value Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">von Forderungen an Ban<span class=\"_ _0\"></span>ken und Kunden basiert auf d<span class=\"_ _0\"></span>en diskontierten Kontrakt<span class=\"_ _0\"></span>-Cash<span class=\"_ _0\"></span>flows (anhand der vertraglichen Til-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">gungsstruktur) und<span class=\"_ _0\"></span> den diskontierten Expected Credit Lo<span class=\"_ _0\"></span>ss Cashflows (ber\u00fccksichtigt Bonit\u00e4tseinstu<span class=\"_ _1\"></span>fung der KundInnen und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Sicherheiten) Als Devisenkurs werden<span class=\"_ _0\"></span> die von der EZB ver\u00f6ffentlichten<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Referenzkurse verwendet. E<span class=\"_ _0\"></span>ine m\u00f6gliche Bonit\u00e4tsver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">schlechterung der Kund<span class=\"_ _0\"></span>en hat eine Auswirkung auf die Ermittlung der Fair<span class=\"_ _0\"></span> Values f\u00fcr Level 3 Finanzinstrumente.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls27 ws0\">Be<span class=\"ff9 ls0\">i einer Erh\u00f6hung der R<span class=\"_ _0\"></span>isikoaufschl\u00e4ge um 50 BP w\u00fcrden die zum Fair Valu<span class=\"_ _0\"></span>e bewerteten Forderungen an Kunden u<span class=\"_ _0\"></span>m \u20ac 0,3<span class=\"_ _128\"> </span></span><span class=\"ff9 ls0\"> </span></div><div class=\"t m0 x3 h5 y68 ff9 fs2 fc2 sc0 ls0 ws0\">Mio. (31.12.2021 \u20ac 0,4 Mio.) sin<span class=\"_ _0\"></span>ken, bei einer Erh\u00f6hung d<span class=\"_ _0\"></span>er Risikoaufschl\u00e4ge um 100 BP sinken die Fair Values dieser For<span class=\"_ _0\"></span>de-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y119 ff9 fs2 fc2 sc0 ls0 ws0\">rungen um \u20ac 0,5 Mio<span class=\"_ _0\"></span>. (31.12.2021 \u20ac 0,7 Mio.). <span class=\"_ _0\"></span><span class=\"ff4\">Die Ermittlung des Fair Values f\u00fcr Beteiligungen u<span class=\"_ _0\"></span>nd Anteile an verbundenen<span class=\"_ _0\"></span> </span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Unternehmen erfolgt in erst<span class=\"_ _0\"></span>er Linie nach dem Discounted Cashflow Bruttoverfahren<span class=\"_ _0\"></span> bzw. als Mischverfahren (Multiple<span class=\"_ _1\"></span>-Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">fahren in Kombination mit D<span class=\"_ _0\"></span>iscounted Cashflow<span class=\"_ _0\"></span> Verfahren) oder mittels anderer Verfahren der Unternehmensb<span class=\"_ _0\"></span>ewertung.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen in der Fair<span class=\"_ _0\"></span>-Value-Hierarchie bzw. in der Einstufun<span class=\"_ _0\"></span>g erfolgen, wenn sich die Qualit\u00e4t der in den Bewertun<span class=\"_ _0\"></span>gsver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">fahren verwendeten Inputp<span class=\"_ _0\"></span>arameter \u00e4ndert. Die Einstufung<span class=\"_ _0\"></span> wird zum Ende der Bericht<span class=\"_ _0\"></span>speriode ge\u00e4ndert.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Die folgende Tabelle zeigt die En<span class=\"_ _0\"></span>twicklung der Beteiligungen FV/OCI, die zum Fair V<span class=\"_ _0\"></span>alue bewertet werden und<span class=\"_ _0\"></span> dem Level 3<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">zugeordnet sind. Die Er<span class=\"_ _0\"></span>mittlung des Fair Values f\u00fcr diese Verm\u00f6gensgegenst\u00e4nde erfolgt in<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>rster Linie nach dem Discou<span class=\"_ _0\"></span>n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">ted Cashflow Brutto<span class=\"_ _0\"></span>verfahren bzw. als Mischverfahren (Multiple-Verfah<span class=\"_ _0\"></span>ren in Kombination mit Discou<span class=\"_ _0\"></span>nted Cashflow Verfah-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">ren) oder mittels anderer V<span class=\"_ _0\"></span>erfahren der Unternehmensbewertung.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs178\"><table class=\"s w363 h1c7\" id=\"_127799c0-ffa7-48d8-841d-2b6bce756c1d\"><tr><td class=\"c x174 y143d wf2 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Entwicklung in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x27e y143d w59 hc\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x27f y143d w58 hc\"><div class=\"t m0 x72 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y143e wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x27e y143e w59 hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td class=\"c x27f y143e w58 hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">237.299 </div></td></tr><tr><td class=\"c x174 y143f wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge (K\u00e4ufe) </div></td><td class=\"c x27e y143f w59 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y143f w58 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">511<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1440 wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Verk\u00e4ufe) </div></td><td class=\"c x27e y1440 w59 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1440 w58 hc\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.744 </div></td></tr><tr><td class=\"c x174 y1441 wf2 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erstbewertungen wegen IFRS 9<span class=\"_ _0\"></span> </div></td><td class=\"c x27e y1441 w59 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1441 w58 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1442 wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutrale Bewertungs\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x27e y1442 w59 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.472 </div></td><td class=\"c x27f y1442 w58 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.867 </div></td></tr><tr><td class=\"c x174 y1443 wf2 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksame Bewertungs\u00e4nderu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x27e y1443 w59 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1443 w58 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1444 wf2 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x27e y1444 w59 hc\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">263.405<span class=\"ls0\"> </span></div></td><td class=\"c x27f y1444 w58 hc\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">241.933<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y7c8 ff4 fs2 fc2 sc0 ls0 ws0\">Das sonstige Ergebnis erh<span class=\"_ _0\"></span>\u00f6hte sich um 19.913 Tsd. Euro (VJ: Erh\u00f6hung u<span class=\"_ _0\"></span>m 12.768 Tsd. Euro) aus diesen Instru<span class=\"_ _0\"></span>menten.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y7c9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y7ca ff4 fs2 fc2 sc0 ls0 ws0\">Die Bestimmung des Fair Values der zu<span class=\"_ _0\"></span>m Fair Value bewerteten Beteiligungen FV/<span class=\"_ _0\"></span>OCI der Stufe 3 basiert auf folgenden<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y7cb ff4 fs2 fc2 sc0 ls0 ws0\">wesentlichen nicht<span class=\"_ _0\"></span> beobachtbaren Inputfaktoren: </div><div class=\"t m0 x3 h5 y7cc ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs179\"><table class=\"s w364 h1c8\" id=\"_39171c34-0077-4a19-878d-7dea06da8836\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x280 y1445 w365 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Zusammenhang zwischen wesentlichen, nicht beobachtbare<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x281 y1446 w366 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wesentliche, nicht beobachtbare In-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1446 w367 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Inputfaktoren und der Bewertung zum beizulegenden Zeit-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x281 y1447 w368 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">putfaktoren<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1447 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1448 w36a h1ca\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungen<span class=\"_ _128\"> </span></div></td><td class=\"c x282 y1449 w36b h1cb\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Diskontierungssat<span class=\"_ _0\"></span>z 5,50 %<span class=\"ff9\">\u2013</span>9,86 %<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1449 w36c h1cb\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Der gesch\u00e4tzte beizulegende Zeitw<span class=\"_ _0\"></span>ert w\u00fcrde steigen (sinken),<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y144a w36d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x282 y144b w36e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(VJ<span class=\"_ _128\"> </span></div></td><td class=\"c x283 y144b w36f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">4,59<span class=\"_ _128\"> </span></div></td><td class=\"c x284 y144b w370 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">%<span class=\"ff9\">\u2013</span>8,62<span class=\"_ _128\"> </span></div></td><td class=\"c x285 y144b w371 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">%), gewichtet<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td class=\"c x280 y144b w372 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">wenn der Diskontierun<span class=\"_ _0\"></span>gssatz niedriger (h\u00f6her) w\u00e4re.<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x282 y1161 w373 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Durchschnitt 6,25 % (VJ 5,08<span class=\"_ _0\"></span> <span class=\"ls28\">%</span><span class=\"ls28\">)<span class=\"_ _128\"> </span></span></div></td><td></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y7d0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y7d1 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr die Fair Values der Bet<span class=\"_ _0\"></span>eiligungen FV/OCI h\u00e4tte eine f\u00fcr<span class=\"_ _0\"></span> m\u00f6glich gehaltene \u00c4nd<span class=\"_ _0\"></span>erung bei einem der wesentlichen, nicht<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y7d2 ff4 fs2 fc2 sc0 ls0 ws0\">beobachtbaren Inputfaktor<span class=\"_ _0\"></span>en, unter Beibehaltung der anderen In<span class=\"_ _0\"></span>putfaktoren, die nachstehenden Auswir<span class=\"_ _0\"></span>kungen auf das<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y7d3 ff4 fs2 fc2 sc0 ls0 ws0\">sonstige Ergebnis nach Steu<span class=\"_ _0\"></span>ern: </div><div class=\"t m0 x3 h5 y7d4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs17a\"><table class=\"s w374 h1cc\" id=\"_59949ca6-8dcd-4349-80ea-dad650d39c3e\"><tr><td></td><td class=\"c x286 y144c wf7 h12\" colspan=\"2\"><div class=\"t m0 xf h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x22d y144c wf7 h12\" colspan=\"2\"><div class=\"t m0 xf h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y144d wf6 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. Euro </div></td><td class=\"c x286 y144d waa hf\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung </div></td><td class=\"c x287 y144d wf8 hf\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Minderung </div></td><td class=\"c x22d y144d waa hf\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung </div></td><td class=\"c x176 y144d wf8 hf\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Minderung </div></td></tr><tr><td class=\"c x174 y144e wf6 hf\"><div class=\"t m0 x88 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Diskontierungssat<span class=\"_ _0\"></span>z (0,25 % Ver\u00e4nderung) </div></td><td class=\"c x286 y144e waa hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.353 </div></td><td class=\"c x287 y144e wf8 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.473 </div></td><td class=\"c x22d y144e waa hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.794 </div></td><td class=\"c x176 y144e wf8 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.044 </div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y4b3 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3b1 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr weitere Inputfaktor<span class=\"_ _0\"></span>en (z.B. Planwerte) wurde eine Sensitivit\u00e4tsanalyse als n<span class=\"_ _0\"></span>icht aussagekr\u00e4ftig erachtet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y7d8 ff4 fs2 fc2 sc0 ls0 ws0\">Die restlic<span class=\"_ _5\"></span>hen mit <span class=\"_ _5\"></span>dem <span class=\"_ _5\"></span>Fair <span class=\"_ _5\"></span>Value bewerteten Finanzinstrumente <span class=\"_ _5\"></span>in <span class=\"_ _5\"></span>Level 3 <span class=\"_ _3d\"></span>betr<span class=\"_ _0\"></span>effen <span class=\"_ _5\"></span>Forderungen an <span class=\"_ _5\"></span>Kunden, f\u00fcr <span class=\"_ _5\"></span>die <span class=\"_ _5\"></span>die Fair-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y7d9 ff4 fs2 fc2 sc0 ls0 ws0\">Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird. <span class=\"_ _7\"> </span> </div></div>Konzernabschluss<span class=\"_ _0\"></span> 88<span class=\"ls0\"> </span><table class=\"s w375 h1cd\" id=\"_eb5fb455-7815-4a9c-9e82-a77d405afb89\"><tr><td class=\"c x174 y144f wd hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Entwicklung 2022 in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td class=\"c x288 y144f wfa hc\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td></tr><tr><td class=\"c x174 y1450 wd h2a\"><div class=\"t m0 x7 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x288 y1450 wfa h2a\"><div class=\"t m0 xe3 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x174 y1451 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcbertrag in Level 2 </div></td><td class=\"c x288 y1451 wfa hc\"><div class=\"t m0 xe4 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1452 wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x288 y1452 wfa hc\"><div class=\"t m0 xe5 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.187 </div></td></tr><tr><td class=\"c x174 y1453 wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Tilgungen) </div></td><td class=\"c x288 y1453 wfa h12\"><div class=\"t m0 xe6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-3.068 </div></td></tr><tr><td class=\"c x174 y1454 wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung Mar<span class=\"_ _0\"></span>ktwert </div></td><td class=\"c x288 y1454 wfa hc\"><div class=\"t m0 xe7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">941</span> </div></td></tr><tr><td class=\"c x174 y1455 wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus Abg\u00e4ngen</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y1455 wfa h12\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">105</span> </div></td></tr><tr><td class=\"c x174 y1456 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus in Bestand befindlich</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y1456 wfa hc\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">836</span> </div></td></tr><tr><td class=\"c x174 y1457 wd hc\"><div class=\"t m0 x7 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x288 y1457 wfa hc\"><div class=\"t m0 xe3 h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">13.691<span class=\"ls0\"> </span></div></td></tr></table>Zwischen Level 1 und Level 2 ist es zu kein<span class=\"_ _0\"></span>en Umschichtungen gekommen.<span class=\"_ _0\"></span> <table class=\"s w375 h1ce\" id=\"_7c99ce77-5c8b-4601-8f9c-1468c72d294a\"><tr><td class=\"c x174 y1458 wd hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung 2021 in <span class=\"ffb\">Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x288 y1458 wfa hc\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td></tr><tr><td class=\"c x174 y1459 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x288 y1459 wfa hc\"><div class=\"t m0 xe3 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.301 </div></td></tr><tr><td class=\"c x174 y145a wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcbertrag in Level 2 </div></td><td class=\"c x288 y145a wfa hc\"><div class=\"t m0 xe4 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y145b wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x288 y145b wfa h12\"><div class=\"t m0 xe4 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y145c wd h2a\"><div class=\"t m0 x7 h5 y7e1 ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Tilgungen) </div></td><td class=\"c x288 y145c wfa h2a\"><div class=\"t m0 xe8 h5 y7e1 ff4 fs2 fc2 sc0 ls0 ws0\">-31.172 </div></td></tr><tr><td class=\"c x174 y145d wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung Mar<span class=\"_ _0\"></span>ktwert </div></td><td class=\"c x288 y145d wfa h12\"><div class=\"t m0 xe6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-2.616 </div></td></tr><tr><td class=\"c x174 y145e wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus Abg\u00e4ngen</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y145e wfa hc\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">182</span> </div></td></tr><tr><td class=\"c x174 y145f wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus in Bestand befindlich</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y145f wfa hc\"><div class=\"t m0 xe6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-2.434 </div></td></tr><tr><td class=\"c x174 y1460 wd hc\"><div class=\"t m0 x7 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x288 y1460 wfa hc\"><div class=\"t m0 xe3 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">16.513<span class=\"ls0\"> </span></div></td></tr></table>Zwischen Level 1 und Level 2 ist es zu kein<span class=\"_ _0\"></span>en Umschichtungen gekommen.<span class=\"_ _0\"></span> <div class=\"c w45 h47 gs17f\"><div class=\"t m0 x3 h4 y345 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x7a h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">89<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y7e8 ffb fs2 fc2 sc0 ls0 ws0\">Aufrechnung von finanziellen Verm\u00f6genswerten und Ver<span class=\"_ _0\"></span>pflichtungen (in Tsd. \u20ac) nach Ma\u00df<span class=\"_ _0\"></span>gabe der Kriterien in IAS 32 un<span class=\"_ _0\"></span>d IFRS 7<span class=\"_ _1\"></span><span class=\"ff5\"> </span></div></div><div class=\"gs180\"><table class=\"s w376 h1cf\" id=\"_f8985a21-03f0-4ef6-8b81-26f51abd953b\"><tr><td></td><td></td><td></td><td></td><td class=\"c x289 y1461 w100 hc\" colspan=\"2\"><div class=\"t m0 x33 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Nicht bilanzierte Betr\u00e4ge </div></td><td></td></tr><tr><td></td><td class=\"c x28a y1462 w377 h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Finanz. Verm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x28b y1462 w378 h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Aufgerechnete bi-<span class=\"_ _128\"> </span></div></td><td class=\"c x28c y1462 w379 h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzierte finanz.<span class=\"_ _128\"> </span></div></td><td class=\"c x28d y1462 w37a h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Effekte von Aufrech-<span class=\"_ _128\"> </span></div></td><td class=\"c x28e y1462 w37b h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten in Form v.<span class=\"_ _128\"> </span></div></td><td class=\"c x28f y1463 w77 h35\"><div class=\"t m0 x6c h6 y7ce ff5 fs2 fc2 sc0 ls0 ws0\">Nettobetrag </div></td></tr><tr><td></td><td class=\"c x290 y1464 w37c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x291 y1464 w37d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">lanzierte Betr\u00e4ge<span class=\"_ _128\"> </span></div></td><td class=\"c x292 y1464 w37e h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x293 y1464 w37f h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">nungsvereinbarungen<span class=\"_ _128\"> </span></div></td><td class=\"c x294 y1464 w380 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Finanzinstrumenten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x295 y1465 w381 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">brutto<span class=\"_ _128\"> </span></div></td><td class=\"c x296 y1465 w381 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">brutto<span class=\"_ _128\"> </span></div></td><td class=\"c x297 y1465 w382 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">netto<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1466 w102 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte 31.12.2022<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1467 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x298 y1467 w103 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x299 y1467 w105 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td></td><td class=\"c x28f y1467 w77 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td></tr><tr><td class=\"c x1a7 y1468 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x298 y1468 w103 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.676.755 </div></td><td class=\"c x29a y1468 w104 hf\"><div class=\"t m0 x2e h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-483.844 </div></td><td class=\"c x299 y1468 w105 hf\"><div class=\"t m0 x11 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td><td></td><td></td><td class=\"c x28f y1468 w77 hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td></tr><tr><td class=\"c x1a7 y1469 w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y1469 w103 hf\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">85.256 </div></td><td></td><td class=\"c x299 y1469 w105 hf\"><div class=\"t m0 x38 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">85.256 </div></td><td class=\"c x29b y1469 w106 hf\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-55.275 </div></td><td class=\"c x29c y1469 w107 hf\"><div class=\"t m0 x35 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-13.262 </div></td><td class=\"c x28f y1469 w77 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">16.719 </div></td></tr><tr><td class=\"c x1a7 y146a w102 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y146a w103 hf\"><div class=\"t m0 x5b h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.819.215<span class=\"ls0\"> </span></div></td><td class=\"c x29a y146a w104 hf\"><div class=\"t m0 x2e h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">483.844</span> </div></td><td class=\"c x299 y146a w105 hf\"><div class=\"t m0 x4d h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.335.371<span class=\"ls0\"> </span></div></td><td class=\"c x29b y146a w106 hf\"><div class=\"t m0 xd4 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">55.275</span> </div></td><td class=\"c x29c y146a w107 hf\"><div class=\"t m0 x35 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">13.262</span> </div></td><td class=\"c x28f y146a w77 hf\"><div class=\"t m0 x70 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.266.834<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y146b w102 hd\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten 31.12.2022<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y146c w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x298 y146c w103 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x299 y146c w105 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td></td><td class=\"c x28f y146c w77 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td></tr><tr><td class=\"c x1a7 y146d w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kunden </div></td><td class=\"c x298 y146d w103 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.545.199 </div></td><td class=\"c x29a y146d w104 hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-483.844 </div></td><td class=\"c x299 y146d w105 hf\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td></td><td></td><td class=\"c x28f y146d w77 hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td></tr><tr><td class=\"c x183 y146e w383 h1d1\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten aus \u00fcb<span class=\"_ _0\"></span>ertragenen Zentralbankeinlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x298 y146f w103 h99\"><div class=\"t m0 x2c h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td></td><td class=\"c x299 y146f w105 h99\"><div class=\"t m0 xd h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td></td><td class=\"c x29c y146f w107 h99\"><div class=\"t m0 xd4 h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">-792.081 </div></td><td class=\"c x28f y146f w77 h99\"><div class=\"t m0 x3 h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x183 y1470 w384 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und Wertpapierp<span class=\"_ _0\"></span>ensionsgesch\u00e4ften<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1471 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y1471 w103 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">233.823 </div></td><td></td><td class=\"c x299 y1471 w105 hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">233.823 </div></td><td class=\"c x29b y1471 w106 hf\"><div class=\"t m0 x4 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-55.275 </div></td><td class=\"c x29c y1471 w107 hf\"><div class=\"t m0 xd4 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-138.368 </div></td><td class=\"c x28f y1471 w77 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">40.180 </div></td></tr><tr><td class=\"c x1a7 y1472 w102 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y1472 w103 hf\"><div class=\"t m0 x5b h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">21.019.838<span class=\"ls0\"> </span></div></td><td class=\"c x29a y1472 w104 hf\"><div class=\"t m0 x2e h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">483.844</span> </div></td><td class=\"c x299 y1472 w105 hf\"><div class=\"t m0 x4d h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.535.994<span class=\"ls0\"> </span></div></td><td class=\"c x29b y1472 w106 hf\"><div class=\"t m0 xd4 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">55.275</span> </div></td><td class=\"c x29c y1472 w107 hf\"><div class=\"t m0 xd4 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">930.449</span> </div></td><td class=\"c x28f y1472 w77 hf\"><div class=\"t m0 x70 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">19.550.270<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1473 w102 he\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte 31.12.2021<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1474 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x298 y1474 w103 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x299 y1474 w105 hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td></td><td class=\"c x28f y1474 w77 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr><tr><td class=\"c x1a7 y1475 w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x298 y1475 w103 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">18.796.932 </div></td><td class=\"c x29a y1475 w104 hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-369.005 </div></td><td class=\"c x299 y1475 w105 hf\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td><td></td><td></td><td class=\"c x28f y1475 w77 hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x1a7 y1476 w102 hd\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y1476 w103 hd\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">137.331 </div></td><td></td><td class=\"c x299 y1476 w105 hd\"><div class=\"t m0 xd h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">137.331 </div></td><td class=\"c x29b y1476 w106 hd\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-44.603 </div></td><td class=\"c x29c y1476 w107 hd\"><div class=\"t m0 x35 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-52.844 </div></td><td class=\"c x28f y1476 w77 hd\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">39.884 </div></td></tr><tr><td class=\"c x1a7 y1477 w102 he\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y1477 w103 he\"><div class=\"t m0 x5b h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">19.807.824<span class=\"ls0\"> </span></div></td><td class=\"c x29a y1477 w104 he\"><div class=\"t m0 x2e h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">369.005</span> </div></td><td class=\"c x299 y1477 w105 he\"><div class=\"t m0 x4d h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">19.438.819<span class=\"ls0\"> </span></div></td><td class=\"c x29b y1477 w106 he\"><div class=\"t m0 xd4 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">44.603</span> </div></td><td class=\"c x29c y1477 w107 he\"><div class=\"t m0 x35 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">52.844</span> </div></td><td class=\"c x28f y1477 w77 he\"><div class=\"t m0 x70 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">19.341.372<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1478 w102 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten 31.12.2021<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1479 w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x298 y1479 w103 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td class=\"c x299 y1479 w105 hf\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td></td><td class=\"c x28f y1479 w77 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x1a7 y147a w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kunden </div></td><td class=\"c x298 y147a w103 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.097.594 </div></td><td class=\"c x29a y147a w104 hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-369.005 </div></td><td class=\"c x299 y147a w105 hf\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td><td></td><td></td><td class=\"c x28f y147a w77 hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x183 y147b w383 h1d2\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten aus \u00fcb<span class=\"_ _0\"></span>ertragenen Zentralbankeinlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x298 y147c w103 h9b\"><div class=\"t m0 x3f h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td><td></td><td class=\"c x299 y147c w105 h9b\"><div class=\"t m0 x2c h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td><td></td><td class=\"c x29c y147c w107 h9b\"><div class=\"t m0 x3 h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">-2.392.523 </div></td><td class=\"c x28f y147c w77 h9b\"><div class=\"t m0 x3 h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x183 y147d w384 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">und Wertpapierp<span class=\"_ _0\"></span>ensionsgesch\u00e4ften<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y147e w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y147e w103 hf\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">69.086 </div></td><td></td><td class=\"c x299 y147e w105 hf\"><div class=\"t m0 x38 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">69.086 </div></td><td class=\"c x29b y147e w106 hf\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-44.603 </div></td><td class=\"c x29c y147e w107 hf\"><div class=\"t m0 x12 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-9.340 </div></td><td class=\"c x28f y147e w77 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.143 </div></td></tr><tr><td class=\"c x1a7 y147f w102 he\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y147f w103 he\"><div class=\"t m0 x5b h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">23.452.541<span class=\"ls0\"> </span></div></td><td class=\"c x29a y147f w104 he\"><div class=\"t m0 x2e h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">369.005</span> </div></td><td class=\"c x299 y147f w105 he\"><div class=\"t m0 x4d h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">23.083.536<span class=\"ls0\"> </span></div></td><td class=\"c x29b y147f w106 he\"><div class=\"t m0 xd4 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">44.603</span> </div></td><td class=\"c x29c y147f w107 he\"><div class=\"t m0 x3 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">2.401.863</span> </div></td><td class=\"c x28f y147f w77 he\"><div class=\"t m0 x70 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">20.637.070<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1481 w385 h1d3\"><div class=\"t m0 x177 h17 y1480 ff9 fs4 fc2 sc0 ls0 ws0\">Die Spalte<span class=\"_ _5\"></span> \u201eAufgerechn<span class=\"_ _5\"></span>ete bilanzierte Be<span class=\"_ _5\"></span>tr\u00e4ge brutto<span class=\"_ _5\"></span>\" weist je<span class=\"_ _5\"></span>ne Betr\u00e4ge aus, die n<span class=\"_ _5\"></span>ach Ma\u00dfgabe v<span class=\"_ _5\"></span>on IAS 32 saldie<span class=\"_ _5\"></span>rt werde<span class=\"_ _5\"></span>n d\u00fcrfen. In der Spalte \u201eEffekt<span class=\"_ _5\"></span>e von Aufrec<span class=\"_ _5\"></span>hnungsvereinbar<span class=\"_ _5\"></span>ungen\u201c werden <span class=\"_ _5\"></span>Betr\u00e4ge, d<span class=\"_ _5\"></span>ie einer Globa<span class=\"_ _5\"></span>lnetting-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">vereinba<span class=\"_ _5\"></span>rung unterlie<span class=\"_ _5\"></span>gen, ausgewiesen. B<span class=\"_ _5\"></span>ei die<span class=\"_ _5\"></span>sen Globalverrechn<span class=\"_ _5\"></span>ungsvertr\u00e4gen mit<span class=\"_ _5\"></span> KundInnen hande<span class=\"_ _5\"></span>lt es sich um stan<span class=\"_ _5\"></span>dardisie<span class=\"_ _5\"></span>rte Derivate-Rahmenver<span class=\"_ _5\"></span>einbarungen. M<span class=\"_ _5\"></span>it Banken <span class=\"_ _5\"></span>werden standardisi<span class=\"_ _5\"></span>erte Rahmenv<span class=\"_ _5\"></span>ertr\u00e4ge wie ISDA<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1295 w386 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">abgeschlosse<span class=\"_ _5\"></span>n. ISDA-Vertr\u00e4ge sind<span class=\"_ _5\"></span> Globalne<span class=\"_ _5\"></span>ttingvereinb<span class=\"_ _5\"></span>arungen (Rah<span class=\"_ _5\"></span>menvertrag) der<span class=\"_ _5\"></span> International Swaps<span class=\"_ _5\"></span> and Deri<span class=\"_ _5\"></span>vatives Assoc<span class=\"_ _5\"></span>iation (ISDA). Die Oberba<span class=\"_ _5\"></span>nk AG ver<span class=\"_ _5\"></span>wendet diese Aufre<span class=\"_ _5\"></span>chnungsvereinb<span class=\"_ _5\"></span>arungen zur Re<span class=\"_ _5\"></span>duktion von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w387 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Risike<span class=\"_ _5\"></span>n bei Derivate<span class=\"_ _5\"></span>n im Falle eines <span class=\"_ _5\"></span>Ausfalls einer G<span class=\"_ _5\"></span>egenpartei. Aufgrun<span class=\"_ _5\"></span>d dieser Vertr<span class=\"_ _5\"></span>\u00e4ge erfolgt dann ei<span class=\"_ _5\"></span>ne Nettoabwick<span class=\"_ _5\"></span>lung \u00fcber al<span class=\"_ _5\"></span>le derivative<span class=\"_ _5\"></span>n Transaktione<span class=\"_ _5\"></span>n, wobei die Ve<span class=\"_ _5\"></span>rm\u00f6genswerte<span class=\"_ _5\"></span> und Verbi<span class=\"_ _5\"></span>ndlichkeiten sal<span class=\"_ _5\"></span>diert werden.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w388 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Wenn die Ne<span class=\"_ _5\"></span>ttoposition zus\u00e4t<span class=\"_ _5\"></span>zlich mit e<span class=\"_ _5\"></span>rhaltenen <span class=\"_ _5\"></span>oder gegebenen B<span class=\"_ _5\"></span>arsicherhei<span class=\"_ _5\"></span>ten (z. B. Margink<span class=\"_ _5\"></span>onten) a<span class=\"_ _5\"></span>bgesichert wi<span class=\"_ _5\"></span>rd <span class=\"ff9\">erfolgt der Ausweis i<span class=\"_ _5\"></span>n der Spalte \u201eSi<span class=\"_ _5\"></span>cherheite<span class=\"_ _5\"></span>n in Form von Finanzins<span class=\"_ _5\"></span>trumente<span class=\"_ _5\"></span>n\u201c. Diese Abs<span class=\"_ _5\"></span>icherung basier<span class=\"_ _5\"></span>t auf<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w389 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">mit Banke<span class=\"_ _5\"></span>n abgeschloss<span class=\"_ _5\"></span>enen CSA-Vertr\u00e4gen (<span class=\"_ _5\"></span>Credit Suppo<span class=\"_ _5\"></span>rt Annex). In di<span class=\"_ _5\"></span>esen Vereinbar<span class=\"_ _5\"></span>ungen sind die gr<span class=\"_ _5\"></span>undlegenden Be<span class=\"_ _5\"></span>stimmungen zur Siche<span class=\"_ _5\"></span>rheitenak<span class=\"_ _5\"></span>z<span class=\"ff9\">eptanz festgelegt. Die<span class=\"_ _5\"></span> Spalte \u201eSicher<span class=\"_ _5\"></span>heiten in <span class=\"_ _5\"></span>Form von Finanzins<span class=\"_ _5\"></span>trumenten\u201c<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w38a h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">umfasst die<span class=\"_ _5\"></span> bezogen auf di<span class=\"_ _5\"></span>e Gesamtsumme der Ve<span class=\"_ _5\"></span>rm\u00f6genswer<span class=\"_ _5\"></span>te und Ve<span class=\"_ _5\"></span>rbindlichkeit<span class=\"_ _5\"></span>en erhaltenen <span class=\"_ _5\"></span>bzw. gegebenen <span class=\"_ _5\"></span>Sicherheit<span class=\"_ _5\"></span>en in Form von Finanzinstrument<span class=\"_ _5\"></span>en.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">90<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">32) Angaben zu nahestehenden Personen und Unternehmen<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Die Gesamtbez\u00fcge des Vorstands <span class=\"_ _0\"></span>betrugen im Konzern 3.124,2 Tsd. Eur<span class=\"_ _0\"></span>o (Vorjahr 2.667,5 Tsd. Euro). D<span class=\"_ _0\"></span>er darin enthaltene<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">variable Anteil betrug 741,2 T<span class=\"_ _0\"></span>sd. Euro (Vorjahr 453,7 Tsd. Euro).<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">An fr\u00fchere Mitglieder des Vor<span class=\"_ _0\"></span>stands und deren Hint<span class=\"_ _0\"></span>erbliebene wurden 1.219,7 Tsd. Euro (Vorjahr 1.260,1 T<span class=\"_ _0\"></span>sd. Euro) gezahlt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Zus\u00e4tzliche Pensionsabfindu<span class=\"_ _0\"></span>ngen an ehemalige Vorstandsmit<span class=\"_ _0\"></span>glieder (einschlie\u00dflich ihrer Hinterbliebenen) gab es im <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Gesch\u00e4ftsjahr keine. Die Au<span class=\"_ _0\"></span>fwendungen (+)/Ertr\u00e4g<span class=\"_ _0\"></span>e (-) f\u00fcr Abfertigungen und Pensionen d<span class=\"_ _0\"></span>er Vorstandsmitglieder  </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">(einschlie\u00dflich ehemaliger Vorstand<span class=\"_ _0\"></span>smitglieder und ihrer Hinterbliebenen) betrugen im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr <span class=\"_ _0\"></span>-5.898,3 T<span class=\"_ _0\"></span>sd. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">(Vorjahr -1.382,2 T<span class=\"_ _0\"></span>sd. Euro). Darin sind erfolgsneutrale Ver\u00e4nderun<span class=\"_ _0\"></span>gen (ve<span class=\"_ _0\"></span>rsicherungsmathematische Gewinne oder V<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">luste aus der \u00c4nderun<span class=\"_ _0\"></span>g der Parameter f\u00fcr die versicherungsmathematische Berechnu<span class=\"_ _0\"></span>ng der Abfertigungs<span class=\"_ _1\"></span>- und Pensions-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">r\u00fcckstellung) enthalten<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Die von der ordentlichen Hauptversammlung 2021 mit en<span class=\"_ _0\"></span>tsprechender Mehrheit verab<span class=\"_ _0\"></span>schiedete Verg\u00fctungsrichtlinie der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG sieht ein au<span class=\"_ _0\"></span>sgewogenes Verh\u00e4ltnis von fixen und var<span class=\"_ _0\"></span>iablen Bez\u00fcgen vor, wobei die variablen Bez\u00fcge maximal<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">40 % des fixen Bezugs betr<span class=\"_ _0\"></span>agen d\u00fcrfen. Das fixe Basisgehalt orient<span class=\"_ _0\"></span>iert sich an den jeweiligen Aufgabengebieten. <span class=\"_ _0\"></span>Die variable <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Gehaltskomponente b<span class=\"_ _0\"></span>er\u00fccksichtigt gemeinsame und pers\u00f6nliche Leistungen der V<span class=\"_ _0\"></span>orstandsmitglieder ebenso wie die gene-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">relle Unternehmensentwicklung.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Die wesentlichen finanziellen un<span class=\"_ _0\"></span>d nichtfinanziellen Leistungskriterien, die der V<span class=\"_ _0\"></span>erg\u00fctungsausschuss f\u00fcr die Bemessung der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y5a4 ff4 fs2 fc2 sc0 ls0 ws0\">variablen Bez\u00fcge der Vor<span class=\"_ _0\"></span>st\u00e4nde heranzuziehen hat, sind: <span class=\"_ _0\"></span> </div><div class=\"t m0 x32 ha y809 ff4 fs2 fc2 sc0 ls0 ws0\">1<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Erreichen der strat<span class=\"_ _0\"></span>egischen Finanzziele auf Basis der definierten<span class=\"_ _0\"></span> Str<span class=\"_ _0\"></span>ategie und der Mehrjahresp<span class=\"_ _0\"></span>la-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y80a ff4 fs2 fc2 sc0 ls0 ws0\">nung der flie\u00dft zu 35 %<span class=\"_ _0\"></span> in die Entscheidung ein.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x32 ha y80b ff4 fs2 fc2 sc0 ls0 ws0\">2<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Einhalt<span class=\"_ _0\"></span>en der strategischen Risikoausnutzung gem\u00e4\u00df Gesamtbankrisikos<span class=\"_ _0\"></span>teuerung flie\u00dft ebenfalls<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y80c ff4 fs2 fc2 sc0 ls0 ws0\">zu 35 % in die Entscheidung ein.<span class=\"_ _0\"></span> </div><div class=\"t m0 x32 ha y47c ff4 fs2 fc2 sc0 ls0 ws0\">3<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Erreichen der strat<span class=\"_ _0\"></span>egischen (au<span class=\"_ _0\"></span>ch nichtfinanziellen) Ziele kann das Ergebnis aus d<span class=\"_ _0\"></span>er Berechnung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y732 ff4 fs2 fc2 sc0 ls0 ws0\">von 1 und 2 um maximal 20 Prozent<span class=\"_ _0\"></span>punkte erh\u00f6hen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x32 ha y20e ff4 fs2 fc2 sc0 ls0 ws0\">4<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Komplettiert wird das Ergebnis f\u00fcr jedes Vor<span class=\"_ _0\"></span>standsmitglied getrennt aufgrund der Entw<span class=\"_ _0\"></span>icklung der von ihm speziell<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y80d ff4 fs2 fc2 sc0 ls0 ws0\">zu verantwortend<span class=\"_ _0\"></span>en Aufgabenbereiche laut Ressortsv<span class=\"_ _0\"></span>erteilung, wobei das Ergebnis aus 1<span class=\"_ _0\"></span>-3 hier noch um maximal<span class=\"_ _128\"> </span> </div><div class=\"t m0 x67 h5 y715 ff4 fs2 fc2 sc0 ls0 ws0\">10 Prozentpunkte erh\u00f6ht w<span class=\"_ _0\"></span>erden kann.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y80e ff4 fs2 fc2 sc0 ls0 ws0\">Bei einer dergestalt ermittelten Gesamtzielerreichung vo<span class=\"_ _0\"></span>n 100 % w\u00fcrde dem jeweiligen Vorst<span class=\"_ _0\"></span>andsmitglied eine variable Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y80f ff4 fs2 fc2 sc0 ls0 ws0\">g\u00fctung von<span class=\"_ _0\"></span> 30 % des Fixgehaltes zustehen, die bei \u00dcbererreichung d<span class=\"_ _0\"></span>er Ziele aber mit 40 % gedeckelt ist. Pro Prozent Zielun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4a4 ff4 fs2 fc2 sc0 ls0 ws0\">terschreitung unter die 100 % wird<span class=\"_ _0\"></span> ein Prozentpunkt weniger variable Verg\u00fctung zugespr<span class=\"_ _0\"></span>ochen, sodass bei einer Zielerrei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y810 ff4 fs2 fc2 sc0 ls0 ws0\">chung von 70 % oder w<span class=\"_ _0\"></span>eniger kein variabler Bezug zusteht.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y7b ff9 fs2 fc2 sc0 ls0 ws0\">In Entsprechung d<span class=\"_ _0\"></span>er gesetzlichen Vorgaben wird die variable Verg\u00fctun<span class=\"_ _0\"></span>g des Vorstandes, deren H\u00f6he anhand der \u201eParameter<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y811 ff9 fs2 fc2 sc0 ls0 ws0\">f\u00fcr die Beurteilung der variablen V<span class=\"_ _0\"></span>erg\u00fctungen f\u00fcr den Vorstand\u201c vom Verg\u00fctun<span class=\"_ _0\"></span>gsausschuss j\u00e4hrlich in s<span class=\"_ _1\"></span><span class=\"ff4\">einer M\u00e4rzsitzung<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y812 ff4 fs2 fc2 sc0 ls0 ws0\">festgelegt wird, zu 50 % in Aktien und<span class=\"_ _0\"></span> 50 % in Cash ausgezahlt werden, wobei die Akt<span class=\"_ _0\"></span>ien einer Haltefrist von drei Jahren un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y813 ff4 fs2 fc2 sc0 ls0 ws0\">terliegen und der auf f\u00fcn<span class=\"_ _0\"></span>f Jahre r\u00fcckzustellende Anteil zu gleichen Teilen aus Aktien und Cash<span class=\"_ _0\"></span> besteht.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y6b6 ff4 fs2 fc2 sc0 ls0 ws0\">Da Bemessung un<span class=\"_ _0\"></span>d Zuerkennung der variablen Verg\u00fctungen immer erst<span class=\"_ _0\"></span> im Nachhinein erfolgen, sind bilanziell entsp<span class=\"_ _0\"></span>re-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y814 ff4 fs2 fc2 sc0 ls0 ws0\">chende R\u00fcckstellungen zu b<span class=\"_ _0\"></span>ilden, was aber im Wissen um die sehr mod<span class=\"_ _0\"></span>erate Politik des Verg\u00fctungsausschusses au<span class=\"_ _0\"></span>ch gut<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y815 ff4 fs2 fc2 sc0 ls0 ws0\">planbar ist. Diese betrugen 2020 f\u00fc<span class=\"_ _0\"></span>r d<span class=\"_ _0\"></span>ie 2021 ausgezahlten Verg\u00fctungen 240 T<span class=\"_ _0\"></span>sd. Euro und 2021 f\u00fcr die 2022 ausgezahlten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y816 ff4 fs2 fc2 sc0 ls0 ws0\">Verg\u00fctungen 467,5 Tsd<span class=\"_ _0\"></span>. Euro. In der Bilanz zum 31.12.2022 sind f\u00fc<span class=\"_ _0\"></span>r die in 2023 f\u00fcr 2022 zur Auszahlun<span class=\"_ _0\"></span>g gelangenden Verg\u00fc-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y817 ff4 fs2 fc2 sc0 ls0 ws0\">tungen 741,2 Tsd. Euro<span class=\"_ _0\"></span> eingestellt.  </div><div class=\"t m0 x3 h5 y818 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y819 ff4 fs2 fc2 sc0 ls0 ws0\">Die Auszahlung er<span class=\"_ _0\"></span>folgt wie bei den MitarbeiterInnen mit d<span class=\"_ _0\"></span>er Mai-Gehaltsabrechnun<span class=\"_ _0\"></span>g, wobei der Betrag f\u00fcr den Aktienanteil<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y81a ff4 fs2 fc2 sc0 ls0 ws0\">auf ein gesperrtes Depotverr<span class=\"_ _0\"></span>echnungskonto des Vorstandsmitglieds gebucht wird<span class=\"_ _0\"></span> und f\u00fcr die Bezahlung der zu erwerben-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y81b ff4 fs2 fc2 sc0 ls0 ws0\">den Aktienanteile verwendet<span class=\"_ _0\"></span> wird, die dann einer dreij\u00e4hrigen Verkaufssp<span class=\"_ _0\"></span>erre unterliegen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y81c ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr die jedes Jahr au<span class=\"_ _0\"></span>fgrund gesetzlicher Verpflichtung nicht zur Au<span class=\"_ _0\"></span>szahlung gelangenden Anteile (je 50 % Cash un<span class=\"_ _0\"></span>d 50 % Ak-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y81d ff4 fs2 fc2 sc0 ls0 ws0\">tien) bleiben die R\u00fcckstellun<span class=\"_ _0\"></span>gsteile entsprechend bestehen. Sie betr<span class=\"_ _0\"></span>ugen <span class=\"_ _0\"></span>2021 180 Tsd. Euro und<span class=\"_ _0\"></span> 2022 368 Tsd. Euro.<span class=\"_ _0\"></span> Diese<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y81e ff4 fs2 fc2 sc0 ls0 ws0\">Betr\u00e4ge werden aufgeteilt au<span class=\"_ _0\"></span>f die f\u00fcnf Folgejahre nach Freigabe durch d<span class=\"_ _0\"></span>en Verg\u00fctungsausschuss jeweils erst ausbezahlt.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y81f ff4 fs2 fc2 sc0 ls0 ws0\">Die f\u00fcr die variablen Vorstandsverg\u00fctungen zu b<span class=\"_ _0\"></span>ildenden R\u00fcckstellungen stellen bilanziell einen <span class=\"_ _0\"></span>Perso<span class=\"_ _0\"></span>nalmehraufwand dar. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">91<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Die Mitglieder des Aufsichtsr<span class=\"_ _0\"></span>ats erhalten eine j\u00e4hrliche Verg\u00fctung und den Ersat<span class=\"_ _0\"></span>z der durch ihre Funktion entstandenen Bar-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">auslagen, aber keine Sitzun<span class=\"_ _0\"></span>gsgelder. Die H\u00f6he der Verg\u00fctung der Aufsicht<span class=\"_ _0\"></span>sratsmitglieder wurde von der Hauptv<span class=\"_ _1\"></span>ersammlung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">(zuletzt ge\u00e4ndert mit Beschlu<span class=\"_ _0\"></span>ss vom 17. Mai 2022) bis auf w<span class=\"_ _0\"></span>eiteres folgenderma\u00dfen festgelegt:<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">Die H\u00f6he dieser Verg\u00fctun<span class=\"_ _0\"></span>g wurde von der Hauptversammlun<span class=\"_ _0\"></span>g (zuletzt ge\u00e4ndert mit Beschluss vom 17. Mai 2022) b<span class=\"_ _0\"></span>is auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">weiteres folgenderma\u00dfen festgelegt: f\u00fc<span class=\"_ _0\"></span>r die Vorsitzend<span class=\"_ _0\"></span>e bzw. den Vorsitzenden 28.000 Eu<span class=\"_ _0\"></span>ro, seine/n StellvertreterIn 25.000<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Euro und die weiteren M<span class=\"_ _0\"></span>itglieder je 22.000 Euro. F\u00fcr T\u00e4tigkeiten im Pr\u00fcfun<span class=\"_ _0\"></span>gsausschuss wurden pro Mitglied und Jahr je<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">6.000 Euro, f\u00fcr den Verg\u00fctun<span class=\"_ _0\"></span>gsausschuss pro Mitglied<span class=\"_ _0\"></span> und Jahr 3.000 Euro, f\u00fcr den<span class=\"_ _0\"></span> Arbeitsausschuss pro Mitglied und Jahr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">3.000 Euro, f\u00fcr den Nominieru<span class=\"_ _0\"></span>ngsausschuss pro Mitglied und<span class=\"_ _0\"></span> Jahr 4.000 Euro, f\u00fcr den Riskoausschuss p<span class=\"_ _0\"></span>ro Mitglied und Jahr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">3.000 Euro, f\u00fcr den Kredit<span class=\"_ _0\"></span>ausschuss pro Mitglied und Jahr 6.000 E<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>o und f\u00fcr den Rechtsausschuss pro M<span class=\"_ _0\"></span>itglied und Jahr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">6.000 Euro. Die Verg\u00fctun<span class=\"_ _0\"></span>g des Aufsichtsrats f\u00fcr das Gesch\u00e4ftsjahr<span class=\"_ _0\"></span> betrug 333,7 Tsd. Euro (Vorjahr 277,0 T<span class=\"_ _0\"></span>sd. Euro). <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Gegen\u00fcber dem Aufsichtsr<span class=\"_ _0\"></span>at der Oberbank AG bestanden Kredite bzw. Haft<span class=\"_ _0\"></span>ungsverh\u00e4ltniss<span class=\"_ _0\"></span>e in H\u00f6he vo<span class=\"_ _0\"></span>n 197,4 Tsd. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">(Vorjahr 475,9 Tsd<span class=\"_ _0\"></span>. Euro), gegen\u00fcber dem Vorstand der Oberbank AG <span class=\"_ _0\"></span>bestanden Kredite von 126,8 Tsd. Euro (Vorjahr 129,<span class=\"_ _0\"></span>0<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Tsd. Euro). Die Kond<span class=\"_ _0\"></span>itionen entsprechen jeweils den \u00fcblichen Bedingungen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11d ff5 fs2 fc2 sc0 ls0 ws0\">Rahmenbedingungen der Mitarbeite<span class=\"_ _0\"></span>raktion 2022<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 ha y820 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Aktionszeitraum: 23.5.-13.6.20<span class=\"_ _0\"></span>22<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y821 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Aktienanzahl limitiert auf bis zu 70.000 St\u00fc<span class=\"_ _0\"></span>ck entgeltlich erwerbbare Stammakt<span class=\"_ _0\"></span>ien und bis zu 28.000 St\u00fcck unentgeltlich<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x6 h5 y822 ff9 fs2 fc2 sc0 ls0 ws0\">zugeteilte Stammaktien (\u201eBonusa<span class=\"_ _0\"></span>ktien\")<span class=\"ff4\"> </span></div><div class=\"t m0 x3 ha y4f5 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Bezugskurs: B\u00f6rsenkurs zum 14.6.202<span class=\"_ _0\"></span>2<span class=\"ls29\">; </span>maximale entgeltli<span class=\"_ _0\"></span>ch erwerbbare St\u00fc<span class=\"_ _0\"></span>ckanzahl: 70 St\u00fcck Aktien<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 ha y3d8 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Bonusaktien: pro f\u00fcnf entgeltlich erw<span class=\"_ _0\"></span>orbene Stammaktien wurden zw<span class=\"_ _0\"></span>ei Stammaktien als Bonusaktien u<span class=\"_ _0\"></span>nentgeltlich zu-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x6 h5 y3d9 ff4 fs2 fc2 sc0 ls0 ws0\">geteilt (Modell 5 + 2).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y516 ff4 fs2 fc2 sc0 ls0 ws0\">Den MitarbeiterInnen <span class=\"_ _3d\"></span>w<span class=\"_ _0\"></span>urden <span class=\"_ _3d\"></span>Akt<span class=\"_ _0\"></span>ien der <span class=\"_ _3d\"></span>Oberbank AG <span class=\"_ _5\"></span>innerhalb vorgegebener <span class=\"_ _3d\"></span>Frist<span class=\"_ _0\"></span> zu<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>verg\u00fcnstigten K<span class=\"_ _5\"></span>onditionen angeboten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3db ff4 fs2 fc2 sc0 ls0 ws0\">(Bonusaktien).  Der <span class=\"_ _40\"> </span>Kauf <span class=\"_ _40\"> </span>unterliegt  Einschr\u00e4nkungen  bez\u00fcglic<span class=\"_ _5\"></span>h  des <span class=\"_ _40\"> </span>Betrags, <span class=\"_ _40\"> </span>den <span class=\"_ _40\"> </span>die  Mitar<span class=\"_ _5\"></span>beiterInnen  in <span class=\"_ _40\"> </span>den <span class=\"_ _40\"> </span>Aktienkauf <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y3dc ff4 fs2 fc2 sc0 ls0 ws0\">investieren k\u00f6nnen. <span class=\"_ _5\"></span>Die <span class=\"_ _5\"></span>Anzahl <span class=\"_ _5\"></span>der durch <span class=\"_ _5\"></span>dieses <span class=\"_ _5\"></span>Angebot an <span class=\"_ _3d\"></span>d<span class=\"_ _0\"></span>ie <span class=\"_ _3d\"></span>M<span class=\"_ _0\"></span>itarbeiterInne<span class=\"_ _0\"></span>n abgegebenen Aktien <span class=\"_ _5\"></span>belief <span class=\"_ _3d\"></span>sich im Be<span class=\"_ _5\"></span>richts-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3dd ff4 fs2 fc2 sc0 ls0 ws0\">jahr <span class=\"_ _0\"></span>auf <span class=\"_ _0\"></span>58.165 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>geltlich erw<span class=\"_ _0\"></span>orbene <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>und <span class=\"_ _0\"></span>23.266 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>unent<span class=\"_ _0\"></span>geltlich zug<span class=\"_ _0\"></span>eteilte <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>(Bonu<span class=\"_ _0\"></span>sak-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y3de ff4 fs2 fc2 sc0 ls0 ws0\">tien). <span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>ie <span class=\"_ _0\"></span>\u00fcber <span class=\"_ _1\"></span>das <span class=\"_ _0\"></span>R\u00fcckkaufprogramm <span class=\"_ _1\"></span>2022 <span class=\"_ _0\"></span>zum <span class=\"_ _0\"></span>Zw<span class=\"_ _0\"></span>ecke <span class=\"_ _0\"></span>der <span class=\"_ _1\"></span>kostenlosen <span class=\"_ _1\"></span>Begebung <span class=\"_ _0\"></span>an <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>berechtig<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>Perso<span class=\"_ _0\"></span>nenkreis <span class=\"_ _0\"></span>an-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y517 ff4 fs2 fc2 sc0 ls0 ws0\">gekauften 23.266 St\u00fcck Stammaktien v<span class=\"_ _0\"></span>erursachten einen Aufwand in H\u00f6he von 2.308 T<span class=\"_ _0\"></span>sd. Euro.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y3e0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y3e1 ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckkaufprogramm 2022<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e2 ff4 fs2 fc2 sc0 ls0 ws0\">Das Aktien-R\u00fc<span class=\"_ _0\"></span>ckkaufprogramm in Stammaktien wurde am 15.6.2022 ab<span class=\"_ _0\"></span>geschlossen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e3 ff4 fs2 fc2 sc0 ls0 ws0\">Im Zu<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>es <span class=\"_ _0\"></span>R\u00fcckkaufprogramms <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>wurden <span class=\"_ _0\"></span>zwischen <span class=\"_ _0\"></span>dem <span class=\"_ _0\"></span>7.6.2022 <span class=\"_ _0\"></span>und <span class=\"_ _0\"></span>dem <span class=\"_ _0\"></span>15.6.2022 <span class=\"_ _0\"></span>gesamt 83.225 <span class=\"_ _0\"></span>St<span class=\"_ _0\"></span>\u00fcck<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y518 ff4 fs2 fc2 sc0 ls0 ws0\">Stammaktien, die <span class=\"_ _5\"></span>ca. <span class=\"_ _5\"></span>0,24 % <span class=\"_ _5\"></span>bzw. EUR 249.675 <span class=\"_ _3d\"></span>des Grundkap<span class=\"_ _0\"></span>itals <span class=\"_ _5\"></span>entsprechen, b\u00f6rslich und <span class=\"_ _5\"></span>au\u00dferb\u00f6rslich <span class=\"_ _5\"></span>zur\u00fcckgekauft. Der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e5 ff4 fs2 fc2 sc0 ls0 ws0\">gewichtete <span class=\"_ _12\"></span>Durchschn<span class=\"_ _0\"></span>ittspreis <span class=\"_ _12\"></span>je <span class=\"_ _12\"></span>Stammaktie <span class=\"_ _12\"></span>b<span class=\"_ _0\"></span>etrug <span class=\"_ _12\"></span>99,20 <span class=\"_ _12\"></span>E<span class=\"_ _0\"></span>uro<span class=\"_ _0\"></span>; <span class=\"_ _12\"></span>der <span class=\"_ _12\"></span>h\u00f6<span class=\"_ _0\"></span>chste <span class=\"_ _12\"></span>geleistete <span class=\"_ _12\"></span>Gegenwert<span class=\"_ _0\"></span> <span class=\"_ _12\"></span>je <span class=\"_ _12\"></span>Stammaktie <span class=\"_ _12\"></span>b<span class=\"_ _0\"></span>etrug<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e6 ff4 fs2 fc2 sc0 ls0 ws0\">99,20 <span class=\"_ _3d\"></span>Eur<span class=\"_ _0\"></span>o; <span class=\"_ _3d\"></span>der <span class=\"_ _3d\"></span>niedrigst<span class=\"_ _0\"></span>e <span class=\"_ _3d\"></span>geleistete <span class=\"_ _3d\"></span>Gegenwert je <span class=\"_ _3d\"></span>Stammaktie <span class=\"_ _3d\"></span>betrug <span class=\"_ _3d\"></span>99,20 <span class=\"_ _3d\"></span>E<span class=\"_ _0\"></span>uro. <span class=\"_ _3d\"></span>Der <span class=\"_ _5\"></span>Wert <span class=\"_ _3d\"></span>der <span class=\"_ _3d\"></span>r\u00fcckerworbenen <span class=\"_ _5\"></span>Stammaktien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y3e7 ff4 fs2 fc2 sc0 ls0 ws0\">betrug 8.255.920,00 Eu<span class=\"_ _0\"></span>ro. Der Vorstand <span class=\"_ _0\"></span>der Gesellschaft hat am 20.6.2022 beschlos<span class=\"_ _0\"></span>sen, s\u00e4mtliche im Zuge des Akt<span class=\"_ _0\"></span>ienr\u00fccker-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y519 ff4 fs2 fc2 sc0 ls0 ws0\">werbsprogramms 2022 erworbenen 83.225 Stammaktien zu ver\u00e4u\u00dfern bzw. zu \u00fcbertragen; und zwar 81.431 St\u00fcck Oberbank<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y51a ff4 fs2 fc2 sc0 ls0 ws0\">Stammaktien <span class=\"_ _41\"> </span>an <span class=\"_ _41\"> </span>die  M<span class=\"_ _0\"></span>itarbeiterInnen <span class=\"_ _41\"> </span>(inklusive <span class=\"_ _41\"> </span>Vorstand) <span class=\"_ _41\"> </span>im  Z<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ge  d<span class=\"_ _0\"></span>er <span class=\"_ _41\"> </span>Mitarbeiteraktion <span class=\"_ _41\"> </span>2022, <span class=\"_ _41\"> </span>hiervon <span class=\"_ _41\"> </span>58.165 <span class=\"_ _41\"> </span>St\u00fcck<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y51b ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>von <span class=\"_ _0\"></span>den M<span class=\"_ _0\"></span>itarbeiterInnen ent<span class=\"_ _0\"></span>geltlich erworb<span class=\"_ _0\"></span>en und <span class=\"_ _0\"></span>23.266 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>Oberbank <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>als <span class=\"_ _0\"></span>unent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y51c ff4 fs2 fc2 sc0 ls0 ws0\">geltliche Bonusaktien (Mo<span class=\"_ _0\"></span>dell 5 + 2), und 1.794 St\u00fc<span class=\"_ _0\"></span>ck Oberbank Stammaktien an d<span class=\"_ _0\"></span>en Vorstan<span class=\"_ _0\"></span>d im Wege der Vorstan<span class=\"_ _0\"></span>dsverg\u00fc-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y33f ff4 fs2 fc2 sc0 ls0 ws0\">tung <span class=\"_ _42\"> </span>in <span class=\"_ _42\"></span>Aktien <span class=\"_ _12\"></span>gem. <span class=\"_ _42\"> </span>\u00a7 <span class=\"_ _12\"></span>39b <span class=\"_ _42\"> </span>BWG <span class=\"_ _42\"> </span>gem\u00e4\u00df <span class=\"_ _42\"></span>der <span class=\"_ _12\"></span>Sitzu<span class=\"_ _0\"></span>ng <span class=\"_ _42\"></span>des <span class=\"_ _12\"></span>Verg\u00fc<span class=\"_ _0\"></span>tungsausschusses <span class=\"_ _42\"> </span>des <span class=\"_ _42\"> </span>Aufsichtsrats <span class=\"_ _42\"></span>der <span class=\"_ _12\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _42\"></span>AG <span class=\"_ _12\"></span>vo<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y51d ff4 fs2 fc2 sc0 ls0 ws0\">23.3.2022. <span class=\"_ _0\"></span>Dieser <span class=\"_ _0\"></span>Bes<span class=\"_ _0\"></span>chluss <span class=\"_ _1\"></span>sowie <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>Ver<span class=\"_ _0\"></span>\u00e4u\u00dferung <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>er <span class=\"_ _0\"></span>eigenen <span class=\"_ _0\"></span>Akt<span class=\"_ _0\"></span>ien <span class=\"_ _0\"></span>wurd<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>hiermit <span class=\"_ _0\"></span>gem\u00e4\u00df <span class=\"_ _1\"></span>\u00a7 <span class=\"_ _0\"></span>65 <span class=\"_ _0\"></span>Abs. <span class=\"_ _1\"></span>1a <span class=\"_ _0\"></span>Akt<span class=\"_ _0\"></span>G <span class=\"_ _0\"></span>iVm <span class=\"_ _1\"></span>\u00a7 <span class=\"_ _0\"></span>11<span class=\"_ _1\"></span><span class=\"ls2\">9<span class=\"_ _128\"> </span></span><span class=\"ls2\"> </span></div><div class=\"t m0 x3 h5 y51e ff4 fs2 fc2 sc0 ls0 ws0\">Abs.7 und<span class=\"_ _0\"></span> 9 <span class=\"_ _0\"></span>B\u00f6rseG 2018 u<span class=\"_ _0\"></span>nd gem\u00e4\u00df <span class=\"_ _0\"></span>\u00a7\u00a72, 4 u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>5 der Ver\u00f6<span class=\"_ _0\"></span>ffentlichungsV <span class=\"_ _0\"></span>2018 ver\u00f6ffentlicht un<span class=\"_ _0\"></span>d sind a<span class=\"_ _0\"></span>uch auf <span class=\"_ _0\"></span>der Website<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y51f ff4 fs2 fc2 sc0 ls0 ws0\">der Oberbank entsprechend zu<span class=\"_ _0\"></span> ersehen: <span class=\"fc5\">ht<span class=\"_ _0\"></span>tps://www.oberbank.at/aktien<span class=\"_ _0\"></span>-<span class=\"ls15\">ru</span>ckkaufprogramme<span class=\"fc3\"> </span></span></div><div class=\"t m0 x3 h6 y520 ff5 fs2 fc2 sc0 ls0 ws0\">Von Vorstand und MitarbeiterInnen gehaltene Aktienanteile:<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y521 ff4 fs2 fc2 sc0 ls0 ws0\">Zum 31.12.2022 wurd<span class=\"_ _0\"></span>en von MitarbeiterInnen (in<span class=\"_ _0\"></span>klusive PensionistInnen) und<span class=\"_ _0\"></span> Vorstand folgende Aktienbest\u00e4nde gehalten<span class=\"_ _0\"></span>: </div><div class=\"t m0 x3 h5 ye3 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y3b2 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _43\"> </span> <span class=\"_ _2e\"> </span>Stammaktien </div><div class=\"t m0 x3 h5 y823 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _44\"> </span>MitarbeiterInn<span class=\"_ _0\"></span>en (direkt und \u00fcber Stiftung) <span class=\"_ _45\"> </span>1.629.176 </div><div class=\"t m0 x3 h5 y824 ff4 fs2 fc2 sc0 ls1 ws0\">         <span class=\"ls0\"> <span class=\"_ _46\"> </span></span>  <span class=\"ls0\">hievon Vorstand <span class=\"_ _47\"> </span>32.224 <span class=\"_ _e\"> </span> <span class=\"_ _7\"> </span> </span></div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">92<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\"> <span class=\"_ _48\"> </span>Gasselsberger <span class=\"_ _47\"> </span>16.008 <span class=\"_ _e\"> </span> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\"> <span class=\"_ _49\"> </span>Wei\u00dfl <span class=\"_ _34\"> </span>9.744 <span class=\"_ _e\"> </span> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\"> <span class=\"_ _4a\"> </span>Hagenauer <span class=\"_ _34\"> </span>4.671</span><span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _4b\"> </span>Seiter <span class=\"_ _34\"> </span>1.801 <span class=\"_ _e\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ft<span class=\"_ _0\"></span>st\u00e4tigkeit werden Gesch\u00e4fte mit n<span class=\"_ _0\"></span>ahe stehenden Unternehmen und Personen zu<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">markt\u00fcblichen Bedingungen und Kon<span class=\"_ _0\"></span>ditionen abgeschlossen. Gesch\u00e4ftsvor<span class=\"_ _0\"></span>f\u00e4lle zwischen nahe stehenden Untern<span class=\"_ _0\"></span>ehmen im<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Konsolidierungskreis wu<span class=\"_ _0\"></span>rden im Zuge der Konsolidierung eliminiert und w<span class=\"_ _0\"></span>erden in dieser Anhangangabe nicht erl\u00e4ut<span class=\"_ _0\"></span>ert.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y67 ff5 fs2 fc2 sc0 ls0 ws0\">Die Gesch\u00e4ftsbeziehungen zu nahestehenden Unternehmen und Personen stellen sic<span class=\"_ _0\"></span>h per 31.12.2022 wie folgt dar:<span class=\"_ _1\"></span> </div></div><div class=\"c w10a h9f gs184\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></div><div class=\"c w10b h9f gs185\"><div class=\"t m0 x13 h5 y2eb ff4 fs2 fc2 sc0 ls0 ws0\">Assoziierte<span class=\"_ _128\"> </span> </div><div class=\"t m0 x87 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c h9f gs186\"><div class=\"t m0 x59 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Tochterun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ternehmen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d h9f gs187\"><div class=\"t m0 x29 h5 y827 ff4 fs2 fc2 sc0 ls0 ws0\">Unternehmen, die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x79 h5 y361 ff4 fs2 fc2 sc0 ls0 ws0\">die M\u00f6glichkeit ha-<span class=\"_ _128\"> </span></div><div class=\"t m0 x88 h5 y5f5 ff4 fs2 fc2 sc0 ls0 ws0\">ben einen ma\u00dfgebli-<span class=\"_ _128\"> </span></div><div class=\"t m0 x88 h5 y2eb ff4 fs2 fc2 sc0 ls0 ws0\">chen Einfluss au<span class=\"_ _0\"></span>f das<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Unternehmen auszu-<span class=\"_ _128\"> </span></div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00fcben<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e h9f gs188\"><div class=\"t m0 x6c h5 y2eb ff4 fs2 fc2 sc0 ls0 ws0\">Sonst. nahestehend<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6c h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Unternehmen u. Per-<span class=\"_ _128\"> </span></div><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sonen<span class=\"_ _128\"> </span></div><div class=\"t m0 xf1 h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w10a h2a gs189\"><div class=\"t m0 x7 h6 ydd ff5 fs2 fc2 sc0 ls0 ws0\">Gesch\u00e4ftsvorf\u00e4lle<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a h12 gs18a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzierungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b h12 gs18b\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">278<span class=\"ls0\"> </span></div></div><div class=\"c w10c h12 gs18c\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d h12 gs18d\"><div class=\"t m0 xc0 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e h12 gs18e\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.599<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs18f\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00fcrgschaften/Sicherheiten<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs190\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">174<span class=\"ls0\"> </span></div></div><div class=\"c w10c hc gs191\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs192\"><div class=\"t m0 xc0 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs193\"><div class=\"t m0 xf6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.616<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs194\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Ausstehende Salden<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a h12 gs195\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b h12 gs196\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">256.191<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c h12 gs197\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.122<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d h12 gs198\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.826<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e h12 gs199\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">138.977<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs19a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Vorjahr<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs19b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">218.181<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs19c\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.455<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs19d\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">25.457<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs19e\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.200<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs19f\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1a0\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1a1\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1a2\"><div class=\"t m0 xc0 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1a3\"><div class=\"t m0 xf1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1a4\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere Vorjahr<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1a5\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1a6\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1a7\"><div class=\"t m0 xc0 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1a8\"><div class=\"t m0 xf1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a h12 gs1a9\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b h12 gs1aa\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.131<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c h12 gs1ab\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.913<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d h12 gs1ac\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls2 ws0\">99<span class=\"ls0\"> </span></div></div><div class=\"c w10e h12 gs1ad\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">141.280<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1ae\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Vorjahr<span class=\"_ _0\"></span> </div></div><div class=\"c w10b hc gs1af\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.859<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1b0\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.818<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1b1\"><div class=\"t m0 x30 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.697<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1b2\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.054<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1b3\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00fcrgschaften/Garantien<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1b4\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">185.929<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1b5\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1b6\"><div class=\"t m0 xc0 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1b7\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.820<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a h12 gs1b8\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00fcrgschaften/Garantien Vo<span class=\"_ _0\"></span>rjahr<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b h12 gs1b9\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.510<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c h12 gs1ba\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d h12 gs1bb\"><div class=\"t m0 xc0 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e h12 gs1bc\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.791<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a h3b gs1bd\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen f\u00fcr zw<span class=\"_ _0\"></span>eifelhafte Forde-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b h3b gs1be\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></div><div class=\"c w10c h3b gs1bf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d h3b gs1c0\"><div class=\"t m0 xc0 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e h3b gs1c1\"><div class=\"t m0 xf1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a ha0 gs1c2\"><div class=\"t m0 x7 h5 y31c ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen f\u00fcr zw<span class=\"_ _0\"></span>eifelhafte Forde-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">rungen Vorjahr<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b ha0 gs1c3\"><div class=\"t m0 x10 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">90<span class=\"ls0\"> </span></div></div><div class=\"c w10c ha0 gs1c4\"><div class=\"t m0 xd h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d ha0 gs1c5\"><div class=\"t m0 xc0 h5 y31c ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e ha0 gs1c6\"><div class=\"t m0 xf1 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1c7\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Ertragsposten<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1c8\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsen  </div></div><div class=\"c w10b hc gs1c9\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.774<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1ca\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></div><div class=\"c w10d hc gs1cb\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls2 ws0\">66<span class=\"ls0\"> </span></div></div><div class=\"c w10e hc gs1cc\"><div class=\"t m0 xf6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.718<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1cd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1ce\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">267<span class=\"ls0\"> </span></div></div><div class=\"c w10c hc gs1cf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1d0\"><div class=\"t m0 xc0 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1d1\"><div class=\"t m0 xf6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.262<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1d2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aufwendungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1d3\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsen  </div></div><div class=\"c w10b hc gs1d4\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">10<span class=\"ls0\"> </span></div></div><div class=\"c w10c hc gs1d5\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">204</span> </div></div><div class=\"c w10d hc gs1d6\"><div class=\"t m0 xc0 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1d7\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">71</span> </div></div><div class=\"c w10a hc gs1d8\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1d9\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1da\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1db\"><div class=\"t m0 xc0 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1dc\"><div class=\"t m0 xf1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10a hc gs1dd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen au<span class=\"_ _0\"></span>f Forderungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1de\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1df\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1e0\"><div class=\"t m0 xc0 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1e1\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">28</span> </div></div><div class=\"c w10a hc gs1e2\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwendu<span class=\"_ _0\"></span>ngen<span class=\"_ _128\"> </span> </div></div><div class=\"c w10b hc gs1e3\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10c hc gs1e4\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10d hc gs1e5\"><div class=\"t m0 xc0 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w10e hc gs1e6\"><div class=\"t m0 xf1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h16 y838 ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y5d0 ff4 fs4 fc2 sc0 ls0 ws0\"> Sonstige nah<span class=\"_ _5\"></span>estehend<span class=\"_ _5\"></span>e Unternehmen un<span class=\"_ _5\"></span>d Persone<span class=\"_ _5\"></span>n umfassen di<span class=\"_ _5\"></span>e Mitglieder de<span class=\"_ _5\"></span>s Managements i<span class=\"_ _5\"></span>n Schl\u00fcsselposit<span class=\"_ _5\"></span>ionen der O<span class=\"_ _5\"></span>berbank AG samt<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h17 y839 ff4 fs4 fc2 sc0 ls0 ws0\">deren nahe<span class=\"_ _5\"></span>stehender Famil<span class=\"_ _5\"></span>ienangeh\u00f6riger<span class=\"_ _5\"></span> sowie Unt<span class=\"_ _5\"></span>ernehmen, die vo<span class=\"_ _5\"></span>n diesen Perso<span class=\"_ _5\"></span>nen beherr<span class=\"_ _5\"></span>scht oder gemei<span class=\"_ _5\"></span>nschaftlic<span class=\"_ _5\"></span>h gef\u00fchrt werden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h17 y83a ff4 fs4 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w10f ha1 gs1e7\"><div class=\"t m0 x90 h17 y351 ff4 fs4 fc2 sc0 ls0 ws0\">Als <span class=\"_ _0\"></span>Mitglieder <span class=\"_ _0\"></span>des <span class=\"_ _0\"></span>Managements <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>Schl\u00fcsselpo<span class=\"_ _5\"></span>sitionen <span class=\"_ _0\"></span>gem\u00e4\u00df <span class=\"_ _1\"></span>IAS <span class=\"_ _0\"></span>24 <span class=\"_ _1\"></span>wurde <span class=\"_ _0\"></span>in <span class=\"_ _0\"></span>Bezug <span class=\"_ _1\"></span>auf <span class=\"_ _0\"></span>die <span class=\"_ _1\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _0\"></span>AG <span class=\"_ _1\"></span>folgender <span class=\"_ _0\"></span>Personenkreis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x90 h17 y348 ff4 fs4 fc2 sc0 ls0 ws0\">festgelegt<span class=\"_ _5\"></span>:  </div></div><div class=\"c w10f hc gs1e8\"><div class=\"t m0 x90 h17 y34a ff9 fs4 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Vorstand </span></span><span class=\"ff4 ls2a\"><span class=\"ls0\"> </span></span></div></div><div class=\"c w10f ha2 gs1e9\"><div class=\"t m0 x90 h17 y34a ff9 fs4 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Aufsichtsr\u00e4te (<span class=\"_ _5\"></span>inkl. Arbeitnehmerve<span class=\"_ _5\"></span>rtret<span class=\"_ _5\"></span>er) </span></span><span class=\"ff4 ls2a\"><span class=\"ls0\"> </span></span></div></div><div class=\"c w10f h2a gs1ea\"><div class=\"t m0 x90 h17 y34a ff9 fs4 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Abteilungslei<span class=\"_ _5\"></span>ter </span></span><span class=\"ff4 ls2a\"><span class=\"ls0\"> </span></span></div></div><div class=\"c w10f ha2 gs1eb\"><div class=\"t m0 x90 h17 y34a ff9 fs4 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Hauptverantwor<span class=\"_ _5\"></span>tliche inter<span class=\"_ _5\"></span>ner Kontrollf<span class=\"_ _5\"></span>unktionen, sofe<span class=\"_ _5\"></span>rn diese keine<span class=\"_ _5\"></span> eigene Abte<span class=\"_ _5\"></span>ilung leiten </span></span><span class=\"ff4 ls2a\"><span class=\"ls0\"> </span></span></div></div><div class=\"c w10f h12 gs1ec\"><div class=\"t m0 x90 h17 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls2a\">              </span>(Regulatory) Compli<span class=\"_ _5\"></span>ance-Funktio<span class=\"_ _5\"></span>n gem. \u00a7 39 Abs 6 BWG <span class=\"_ _5\"></span> </div></div><div class=\"c w10f hc gs1ed\"><div class=\"t m0 x90 h17 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls2a\">             </span> Risikomanagement ge<span class=\"_ _5\"></span>m. \u00a7 39 Abs 5 B<span class=\"_ _5\"></span>WG<span class=\"_ _128\"> </span> </div></div><div class=\"c w10f hc gs1ee\"><div class=\"t m0 x90 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls2a\">             </span> Interne Revision <span class=\"_ _5\"></span>gem. \u00a7 42 BWG<span class=\"_ _128\"> </span> </div></div><div class=\"c w10f hc gs1ef\"><div class=\"t m0 x90 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls2a\">             </span> Geldw\u00e4sche gem. \u00a7 23 Abs<span class=\"_ _5\"></span> 3 FM-GwG<span class=\"_ _128\"> </span> </div></div><div class=\"c w10f h12 gs1f0\"><div class=\"t m0 x90 h17 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls2a\">             </span> Compliance-Funktio<span class=\"_ _5\"></span>n nach DelVO (<span class=\"_ _5\"></span>EU) 2017/565 und WAG 2<span class=\"_ _5\"></span>018<span class=\"_ _128\"> </span> </div></div><div class=\"c w10f h34 gs1f1\"><div class=\"t m0 x90 h17 y844 ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls2a\">               </span>lokale Funktionst<span class=\"_ _5\"></span>r\u00e4ger in den Auslands<span class=\"_ _5\"></span>m\u00e4rkten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x90 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h16 y845 ff4 fs6 fc2 sc0 ls0 ws0\">2)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x31 h6 y846 ff4 fs4 fc2 sc0 ls0 ws0\">Die Vorjahr<span class=\"_ _5\"></span>eswerte<span class=\"_ _5\"></span> f\u00fcr das Jahr<span class=\"_ _5\"></span> 2021 wurden angepasst.<span class=\"fs2\"> <span class=\"_ _7\"> </span><span class=\"ff5\"> </span></span></div></div>Konzernabschluss<span class=\"_ _0\"></span> 93<span class=\"ls0\"> </span>33) Segmentberichterstattung<span class=\"_ _128\"> </span> Basis der Segmentberichterstatt<span class=\"_ _0\"></span>ung ist die interne Unternehmensbereichsrechnu<span class=\"_ _0\"></span>ng, die die 2003 vorgenommene Trenn<span class=\"_ _0\"></span>ung<span class=\"_ _128\"> </span> zwischen Privat<span class=\"_ _0\"></span>- und Firmenkundengesch\u00e4ft u<span class=\"_ _0\"></span>nd die damit gegebene Managementverantwortung ab<span class=\"_ _0\"></span>bildet. Die Segmente<span class=\"_ _128\"> </span> werden wie selbst\u00e4ndige Unt<span class=\"_ _0\"></span>ernehmen mit eigener Kapitalausstattun<span class=\"_ _0\"></span>g und Ergebnisverantwortung dargestellt. Kr<span class=\"_ _0\"></span>iterium f\u00fcr<span class=\"_ _128\"> </span> die Abgrenzung ist<span class=\"_ _0\"></span> in erster Linie die Betreuun<span class=\"_ _0\"></span>gszust\u00e4ndigkeit f\u00fcr die KundInnen.<span class=\"_ _128\"> </span> Die Segmentinformationen b<span class=\"_ _0\"></span>asieren auf dem so genannten \u201eManagement Ap<span class=\"_ _0\"></span>proach\u201c, der verlangt, die Segmentinformation<span class=\"_ _128\"> </span> auf Basis der internen Ber<span class=\"_ _0\"></span>ichterstattung so darzustellen, wie sie regelm\u00e4\u00dfig zur En<span class=\"_ _0\"></span>tscheidung \u00fcber die Z<span class=\"_ _0\"></span>uteilung vo<span class=\"_ _0\"></span>n  Ressourcen zu den Segmenten u<span class=\"_ _0\"></span>nd zur Beurteilung ihr<span class=\"_ _0\"></span>er Performance herangezogen wird.<span class=\"_ _0\"></span> In der Oberbank<span class=\"_ _0\"></span>-<span class=\"ff9\">Gruppe sind die Segmente \u201ePrivatkunden\u201c, <span class=\"_ _0\"></span>\u201eFirmenkunden\u201c (inkl. dem Er<span class=\"_ _0\"></span>gebnis des Leasing<span class=\"_ _0\"></span></span>-Teilkonzerns),<span class=\"_ _128\"> </span> \u201eFinancial Markets\u201c (Hand<span class=\"_ _0\"></span>elst\u00e4tigkeit;<span class=\"ff4\"> Eigenposition<span class=\"_ _0\"></span>en; als Market Maker eingegangene Positionen; St<span class=\"_ _0\"></span>rukturergebnis; Er-<span class=\"_ _128\"> </span></span>tr\u00e4ge aus assoziierten Unt<span class=\"_ _0\"></span>ernehmen; Ergebnis der ALPENL\u00c4NDISCHE GARA<span class=\"_ _0\"></span>NTIE<span class=\"_ _0\"></span>-<span class=\"ff9\">GESE<span class=\"_ _0\"></span>LLSCHAFT m.b.H.) und \u201eSonstige\u201c<span class=\"_ _128\"> </span></span><span class=\"ff9\"> </span>(Sachverhalte ohn<span class=\"_ _0\"></span>e direkten Bezug zu Business-Segmenten; nich<span class=\"_ _0\"></span>t den and<span class=\"_ _0\"></span>eren Segmenten zuordenbare Bilanzpost<span class=\"_ _0\"></span>en; Ein-<span class=\"_ _128\"> </span>heiten, die Ergebnisbeitr\u00e4ge abbilden,<span class=\"_ _0\"></span> die nicht einem einzelnen Segment zugeordnet w<span class=\"_ _0\"></span>erden k\u00f6nnen) definiert.<span class=\"_ _0\"></span> Das zugeordnete Eigenkapital wird<span class=\"_ _0\"></span> ab dem Gesch\u00e4ftsjahr 2016 mit dem du<span class=\"_ _0\"></span>rchschnittlichen 10<span class=\"_ _0\"></span>-Jahres-<span class=\"ls2b\">SW<span class=\"ls2c\">AP</span></span>-Satz der letzten<span class=\"_ _0\"></span> 120 Monate verzinst und<span class=\"_ _0\"></span> als Eigenkapitalveranlagungsertrag im Zinsbereich ausgewiesen. D<span class=\"_ _0\"></span>ie Verteilung des zugeordneten<span class=\"_ _128\"> </span> bilanziellen Eigenkapitals erfolgt n<span class=\"_ _0\"></span>ach dem regulatorischen Eigenkapitalerfordernis d<span class=\"_ _0\"></span>er Segmente. <table class=\"s w3a7 h1d7\" id=\"_220d5417-f02f-4f43-aad7-131d33df38f1\"><tr><td class=\"c x178 y14a2 w3a8 h16f\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Segmentberichterstattung 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x2ba y14a2 w3a9 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Financial<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y14a3 w3aa h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">Kerngesch\u00e4ftsbereiche in Tsd.\u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x286 y14a4 w113 h3b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Privat </div></td><td class=\"c x22c y14a4 wf8 h3b\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Firmen </div></td><td class=\"c x2bb y14a3 w3ab h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Markets<span class=\"_ _128\"> </span></div></td><td class=\"c x203 y14a4 w114 h3b\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x2bc y14a4 wf8 h3b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x174 y14a5 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis </div></td><td class=\"c x286 y14a5 w113 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">96.892 </div></td><td class=\"c x22c y14a5 wf8 hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">340.039 </div></td><td class=\"c x2bd y14a5 w9a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-30.871 </div></td><td class=\"c x203 y14a5 w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a5 wf8 hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">406.060 </div></td></tr><tr><td class=\"c x174 y14a6 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus at Equity </div></td><td class=\"c x286 y14a6 w113 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14a6 wf8 hc\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bd y14a6 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">90.653 </div></td><td class=\"c x203 y14a6 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a6 wf8 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">90.653 </div></td></tr><tr><td class=\"c x174 y14a7 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge Kredit </div></td><td class=\"c x286 y14a7 w113 hc\"><div class=\"t m0 x13 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-13.322 </div></td><td class=\"c x22c y14a7 wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-20.446 </div></td><td class=\"c x2bd y14a7 w9a hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-7.714 </div></td><td class=\"c x203 y14a7 w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a7 wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-41.482 </div></td></tr><tr><td class=\"c x174 y14a8 w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x286 y14a8 w113 h12\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-14.710 </div></td><td class=\"c x22c y14a8 wf8 h12\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-5.652 </div></td><td class=\"c x2bd y14a8 w9a h12\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14a8 w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a8 wf8 h12\"><div class=\"t m0 xf8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-20.361 </div></td></tr><tr><td class=\"c x174 y14a9 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge </div></td><td class=\"c x286 y14a9 w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">101.881 </div></td><td class=\"c x22c y14a9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">125.342 </div></td><td class=\"c x2bd y14a9 w9a hc\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14a9 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">227.223 </div></td></tr><tr><td class=\"c x174 y14aa w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x286 y14aa w113 hc\"><div class=\"t m0 x11 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14aa wf8 hc\"><div class=\"t m0 x10 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">172</span> </div></td><td class=\"c x2bd y14aa w9a hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.272 </div></td><td class=\"c x203 y14aa w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14aa wf8 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.100 </div></td></tr><tr><td class=\"c x174 y14ab w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand </div></td><td class=\"c x286 y14ab w113 hc\"><div class=\"t m0 x79 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-107.094 </div></td><td class=\"c x22c y14ab wf8 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-172.167 </div></td><td class=\"c x2bd y14ab w9a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-10.938 </div></td><td class=\"c x203 y14ab w114 hc\"><div class=\"t m0 x6c h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-30.133 </div></td><td class=\"c x2bc y14ab wf8 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-320.331 </div></td></tr><tr><td class=\"c x174 y14ac w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Ertrag<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14ac w113 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.170 </div></td><td class=\"c x22c y14ac wf8 hc\"><div class=\"t m0 x9 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">36</span> </div></td><td class=\"c x2bd y14ac w9a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-40.988 </div></td><td class=\"c x203 y14ac w114 hc\"><div class=\"t m0 x6c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-12.747 </div></td><td class=\"c x2bc y14ac wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-52.602 </div></td></tr><tr><td class=\"c x174 y14ad w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Au\u00dferordentliches Er<span class=\"_ _0\"></span>gebnis </div></td><td class=\"c x286 y14ad w113 h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14ad wf8 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bd y14ad w9a h12\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14ad w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14ad wf8 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ae w112 h2a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14ae w113 h2a\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">64.818 </div></td><td class=\"c x22c y14ae wf8 h2a\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">266.908 </div></td><td class=\"c x2bd y14ae w9a h2a\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.414 </div></td><td class=\"c x203 y14ae w114 h2a\"><div class=\"t m0 x6c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-42.880 </div></td><td class=\"c x2bc y14ae wf8 h2a\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">295.259 </div></td></tr><tr><td class=\"c x174 y14af w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 risikogewichtete Aktiva </div></td><td class=\"c x286 y14af w113 h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.150.712 </div></td><td class=\"c x22c y14af wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">11.776.331 </div></td><td class=\"c x2bd y14af w9a h12\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.127.959 </div></td><td class=\"c x203 y14af w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14af wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">20.055.002<span class=\"fc3\"> </span></div></td></tr><tr><td class=\"c x174 y14b0 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 zugeordnetes Eigenkapital </div></td><td class=\"c x286 y14b0 w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">363.603 </div></td><td class=\"c x22c y14b0 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.990.926 </div></td><td class=\"c x2bd y14b0 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.036.003 </div></td><td class=\"c x203 y14b0 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14b0 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.390.532 </div></td></tr><tr><td class=\"c x174 y14b1 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">RoE (Eigenkapitalrendit<span class=\"_ _0\"></span>e) vor Steuern </div></td><td class=\"c x286 y14b1 w113 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">17,8% </div></td><td class=\"c x22c y14b1 wf8 hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">13,4% </div></td><td class=\"c x2bd y14b1 w9a hc\"><div class=\"t m0 x36 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0,6% </div></td><td></td><td class=\"c x2bc y14b1 wf8 hc\"><div class=\"t m0 xe h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8,7% </div></td></tr><tr><td class=\"c x174 y14b2 w112 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Cost-Income-Ratio (Kost<span class=\"_ _0\"></span>en-Ertrag-Rela-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tion) </div></td><td class=\"c x286 y14b2 w113 h3b\"><div class=\"t m0 x4f h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">57,8% </div></td><td class=\"c x22c y14b2 wf8 h3b\"><div class=\"t m0 xc h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">37,5% </div></td><td class=\"c x2bd y14b2 w9a h3b\"><div class=\"t m0 xc9 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">43,6% </div></td><td></td><td class=\"c x2bc y14b2 wf8 h3b\"><div class=\"t m0 xc h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">48,8% </div></td></tr><tr><td class=\"c x174 y14b3 w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td></td><td></td><td class=\"c x2bd y14b3 w9a h12\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x2bc y14b3 wf8 h12\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td></tr><tr><td class=\"c x174 y14b4 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td></td><td></td><td class=\"c x2bd y14b4 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x2bc y14b4 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td></tr><tr><td class=\"c x174 y14b5 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x286 y14b5 w113 hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.068.653 </div></td><td class=\"c x22c y14b5 wf8 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">15.124.258 </div></td><td></td><td></td><td class=\"c x2bc y14b5 wf8 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td></tr><tr><td class=\"c x174 y14b6 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x2bd y14b6 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td class=\"c x2bc y14b6 wf8 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td></tr><tr><td class=\"c x174 y14b7 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td></td><td></td><td class=\"c x2bd y14b7 w9a hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td><td></td><td class=\"c x2bc y14b7 wf8 hc\"><div class=\"t m0 x60 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td></tr><tr><td class=\"c x174 y14b8 w112 h3a\"><div class=\"t m0 x59 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Anteile an at Equ<span class=\"_ _0\"></span>ity-Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men </div></td><td></td><td></td><td class=\"c x2bd y14b8 w9a h3a\"><div class=\"t m0 x4f h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x2bc y14b8 wf8 h3a\"><div class=\"t m0 x60 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td></tr><tr><td class=\"c x174 y14b9 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14b9 w113 hc\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">86.365 </div></td><td class=\"c x22c y14b9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">292.040 </div></td><td class=\"c x2bd y14b9 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">40.877 </div></td><td class=\"c x203 y14b9 w114 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">131.324 </div></td><td class=\"c x2bc y14b9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">550.607 </div></td></tr><tr><td class=\"c x174 y14ba w112 h84\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentverm\u00f6gen </div></td><td class=\"c x286 y14ba w113 h84\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.155.018 </div></td><td class=\"c x22c y14ba wf8 h84\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">15.416.299 </div></td><td class=\"c x2bd y14ba w9a h84\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.095.524 </div></td><td class=\"c x203 y14ba w114 h84\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">131.324 </div></td><td class=\"c x2bc y14ba wf8 h84\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.798.166 </div></td></tr><tr><td class=\"c x174 y14bb w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kred<span class=\"_ _0\"></span>itinstituten </div></td><td></td><td></td><td class=\"c x2bd y14bb w9a hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x2bc y14bb wf8 hc\"><div class=\"t m0 x60 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td></tr><tr><td class=\"c x174 y14bc w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Ku<span class=\"_ _0\"></span>nden </div></td><td class=\"c x286 y14bc w113 h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.754.334 </div></td><td class=\"c x22c y14bc wf8 h12\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.307.021 </div></td><td></td><td></td><td class=\"c x2bc y14bc wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td></tr><tr><td class=\"c x174 y14bd w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td class=\"c x2bd y14bd w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td></td><td class=\"c x2bc y14bd wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td></tr><tr><td class=\"c x174 y14be w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td></td><td></td><td class=\"c x2bd y14be w9a h12\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td></td><td class=\"c x2bc y14be wf8 h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td></tr><tr><td class=\"c x174 y14bf w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigen- und Nachr<span class=\"_ _0\"></span>angkapital </div></td><td class=\"c x286 y14bf w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">431.819 </div></td><td class=\"c x22c y14bf wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.364.445 </div></td><td class=\"c x2bd y14bf w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.230.368 </div></td><td></td><td class=\"c x2bc y14bf wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.026.632 </div></td></tr><tr><td class=\"c x174 y14c0 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Schulden </div></td><td class=\"c x286 y14c0 w113 hc\"><div class=\"t m0 x87 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">45.207 </div></td><td class=\"c x22c y14c0 wf8 hc\"><div class=\"t m0 x15 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">109.945 </div></td><td class=\"c x2bd y14c0 w9a hc\"><div class=\"t m0 x60 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">185.261 </div></td><td class=\"c x203 y14c0 w114 hc\"><div class=\"t m0 x59 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">463.634 </div></td><td class=\"c x2bc y14c0 wf8 hc\"><div class=\"t m0 x15 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">804.047 </div></td></tr><tr><td class=\"c x174 y14c1 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentschulden </div></td><td class=\"c x286 y14c1 w113 hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.231.359 </div></td><td class=\"c x22c y14c1 wf8 hc\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.781.411 </div></td><td class=\"c x2bd y14c1 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.321.762 </div></td><td class=\"c x203 y14c1 w114 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">463.634 </div></td><td class=\"c x2bc y14c1 wf8 hc\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.798.166 </div></td></tr><tr><td class=\"c x174 y14c2 w112 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen </div></td><td class=\"c x286 y14c2 w113 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.296 </div></td><td class=\"c x22c y14c2 wf8 h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.635 </div></td><td class=\"c x2bd y14c2 w9a h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">290<span class=\"ls0\"> </span></div></td><td class=\"c x203 y14c2 w114 h39\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.180 </div></td><td class=\"c x2bc y14c2 wf8 h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.401 </div></td></tr><tr><td class=\"c x174 y14c3 w115 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Segmentberichterstattung 1.12.2021<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14c3 w116 hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Privat </div></td><td class=\"c x2bf y14c3 w117 hc\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Firmen </div></td><td class=\"c x2c0 y14c3 w118 hc\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Financial Markets </div></td><td class=\"c x2c1 y14c3 w119 hc\"><div class=\"t m0 xc8 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x2c2 y14c3 w11a hc\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 94<span class=\"ls0\"> </span><table class=\"s w3ac h1d8\" id=\"_34cfc401-d58f-4c29-900d-2c5d21f4c52e\"><tr><td class=\"c x174 y14c4 w115 hc\" colspan=\"2\"><div class=\"t m0 x7 h6 y7f ffb fs2 fc2 sc0 ls0 ws0\">Kerngesch\u00e4ftsbereiche in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y14c5 w115 h2a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis </div></td><td class=\"c x2be y14c5 w116 h2a\"><div class=\"t m0 x4f h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">64.431 </div></td><td class=\"c x2bf y14c5 w117 h2a\"><div class=\"t m0 x37 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">275.189 </div></td><td class=\"c x2c0 y14c5 w118 h2a\"><div class=\"t m0 x1e h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">6.437 </div></td><td class=\"c x2c1 y14c5 w119 h2a\"><div class=\"t m0 x42 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c5 w11a h2a\"><div class=\"t m0 x37 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">346.057 </div></td></tr><tr><td class=\"c x174 y14c6 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus at Equity </div></td><td class=\"c x2be y14c6 w116 hc\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14c6 w117 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c0 y14c6 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">100.134 </div></td><td class=\"c x2c1 y14c6 w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c6 w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">100.134 </div></td></tr><tr><td class=\"c x174 y14c7 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge Kredit </div></td><td class=\"c x2be y14c7 w116 hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-3.740 </div></td><td class=\"c x2bf y14c7 w117 hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-24.446 </div></td><td class=\"c x2c0 y14c7 w118 hc\"><div class=\"t m0 x2f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-7.527 </div></td><td class=\"c x2c1 y14c7 w119 hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c7 w11a hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-35.713 </div></td></tr><tr><td class=\"c x174 y14c8 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x2be y14c8 w116 h12\"><div class=\"t m0 x85 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-15.060 </div></td><td class=\"c x2bf y14c8 w117 h12\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-5.817 </div></td><td class=\"c x2c0 y14c8 w118 h12\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14c8 w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c8 w11a h12\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-20.877 </div></td></tr><tr><td class=\"c x174 y14c9 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge </div></td><td class=\"c x2be y14c9 w116 hc\"><div class=\"t m0 x13 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">100.138 </div></td><td class=\"c x2bf y14c9 w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">112.690 </div></td><td class=\"c x2c0 y14c9 w118 hc\"><div class=\"t m0 x50 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14c9 w119 hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c9 w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">212.828 </div></td></tr><tr><td class=\"c x174 y14ca w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x2be y14ca w116 h12\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14ca w117 h12\"><div class=\"t m0 x2c h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">982</span> </div></td><td class=\"c x2c0 y14ca w118 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.746 </div></td><td class=\"c x2c1 y14ca w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14ca w11a h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.764 </div></td></tr><tr><td class=\"c x174 y14cb w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand * </div></td><td class=\"c x2be y14cb w116 hc\"><div class=\"t m0 x29 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-105.435 </div></td><td class=\"c x2bf y14cb w117 hc\"><div class=\"t m0 x2b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-166.970 </div></td><td class=\"c x2c0 y14cb w118 hc\"><div class=\"t m0 x9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-10.277 </div></td><td class=\"c x2c1 y14cb w119 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-30.886 </div></td><td class=\"c x2c2 y14cb w11a hc\"><div class=\"t m0 x2b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-313.568 </div></td></tr><tr><td class=\"c x174 y14cc w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Ertrag<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14cc w116 hc\"><div class=\"t m0 x8c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">7.035 </div></td><td class=\"c x2bf y14cc w117 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-2.066 </div></td><td class=\"c x2c0 y14cc w118 hc\"><div class=\"t m0 x35 h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x2c1 y14cc w119 hc\"><div class=\"t m0 x59 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-20.210 </div></td><td class=\"c x2c2 y14cc w11a hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-14.737 </div></td></tr><tr><td class=\"c x174 y14cd w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Au\u00dferordentliches Er<span class=\"_ _0\"></span>gebnis </div></td><td class=\"c x2be y14cd w116 hc\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14cd w117 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c0 y14cd w118 hc\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14cd w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14cd w11a hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ce w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14ce w116 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">47.369 </div></td><td class=\"c x2bf y14ce w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">187.597 </div></td><td class=\"c x2c0 y14ce w118 hc\"><div class=\"t m0 xfd h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">98.016 </div></td><td class=\"c x2c1 y14ce w119 hc\"><div class=\"t m0 x59 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-51.096 </div></td><td class=\"c x2c2 y14ce w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">281.887 </div></td></tr><tr><td class=\"c x174 y14cf w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 risikogewichtete Aktiva </div></td><td class=\"c x2be y14cf w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.054.573 </div></td><td class=\"c x2bf y14cf w117 h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.983.346 </div></td><td class=\"c x2c0 y14cf w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">5.390.131 </div></td><td class=\"c x2c1 y14cf w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14cf w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">18.428.050 </div></td></tr><tr><td class=\"c x174 y14d0 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 zugeordnetes Eigenkapital </div></td><td class=\"c x2be y14d0 w116 hc\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">354.040 </div></td><td class=\"c x2bf y14d0 w117 hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.892.631 </div></td><td class=\"c x2c0 y14d0 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">928.818 </div></td><td class=\"c x2c1 y14d0 w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14d0 w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.175.489 </div></td></tr><tr><td class=\"c x174 y14d1 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">RoE (Eigenkapitalrendit<span class=\"_ _0\"></span>e) vor Steern </div></td><td class=\"c x2be y14d1 w116 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">13,4% </div></td><td class=\"c x2bf y14d1 w117 hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">9,9% </div></td><td class=\"c x2c0 y14d1 w118 hc\"><div class=\"t m0 x2d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">10,6% </div></td><td></td><td class=\"c x2c2 y14d1 w11a hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8,9% </div></td></tr><tr><td class=\"c x174 y14d2 w115 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Cost-Income-Ratio (Kost<span class=\"_ _0\"></span>en-Ertrag-Rela-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tion) </div></td><td class=\"c x2be y14d2 w116 h3a\"><div class=\"t m0 x47 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">67,4% </div></td><td class=\"c x2bf y14d2 w117 h3a\"><div class=\"t m0 x42 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">44,1% </div></td><td class=\"c x2c0 y14d2 w118 h3a\"><div class=\"t m0 x4 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">8,9% </div></td><td></td><td class=\"c x2c2 y14d2 w11a h3a\"><div class=\"t m0 x42 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">49,7% </div></td></tr><tr><td class=\"c x174 y14d3 w11b ha5\"><div class=\"t m0 x7 h5 y86a ff4 fs2 fc2 sc0 ls0 ws0\">*) <span class=\"ff9 fs4\">Die bisher i<span class=\"_ _5\"></span>m Segment \u201eSonstige\u201c <span class=\"_ _5\"></span>enthal<span class=\"_ _5\"></span>tene Zuwendun<span class=\"_ _5\"></span>g an die Mit<span class=\"_ _5\"></span>arbeiter<span class=\"ff4\">-Beteiligungsst<span class=\"_ _5\"></span>iftung wird ab d<span class=\"_ _5\"></span>em Gesch\u00e4ftsjah<span class=\"_ _5\"></span>r 2022 den Seg-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x6c h1e y348 ff4 fs4 fc2 sc0 ls0 ws0\">menten Privat<span class=\"_ _5\"></span>, Firmen und Fi<span class=\"_ _5\"></span>nancial Mark<span class=\"_ _5\"></span>ets zugerechn<span class=\"_ _5\"></span>et. Die Vorjahr<span class=\"_ _5\"></span>eswerte f\u00fcr das<span class=\"_ _5\"></span> Jahr 2021 wurde<span class=\"_ _5\"></span>n entsprechend<span class=\"_ _5\"></span> angepasst.<span class=\"fs1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y14d4 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td></td><td></td><td class=\"c x2c0 y14d4 w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x2c2 y14d4 w11a h12\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td></tr><tr><td class=\"c x174 y14d5 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td></td><td></td><td class=\"c x2c0 y14d5 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x2c2 y14d5 w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr><tr><td class=\"c x174 y14d6 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x2be y14d6 w116 hc\"><div class=\"t m0 x88 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.017.509 </div></td><td class=\"c x2bf y14d6 w117 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">14.410.418 </div></td><td></td><td></td><td class=\"c x2c2 y14d6 w11a hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x174 y14d7 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x2c0 y14d7 w118 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td class=\"c x2c2 y14d7 w11a hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr><tr><td class=\"c x174 y14d8 w115 hc\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td></td><td></td><td class=\"c x2c0 y14d8 w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td><td></td><td class=\"c x2c2 y14d8 w11a hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr><tr><td class=\"c x174 y14d9 w115 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Anteile an at <span class=\"_ _0\"></span>Equity-Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men </div></td><td></td><td></td><td class=\"c x2c0 y14d9 w118 h3a\"><div class=\"t m0 x14 h5 y2ef ffd fs2 fc2 sc0 ls0 ws0\">1.000.764<span class=\"ff4\"> </span></div></td><td></td><td class=\"c x2c2 y14d9 w11a h3a\"><div class=\"t m0 x5a h5 y2ef ffd fs2 fc2 sc0 ls0 ws0\">1.000.764<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x174 y14da w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14da w116 hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">87.197 </div></td><td class=\"c x2bf y14da w117 hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">325.628 </div></td><td class=\"c x2c0 y14da w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">103.154 </div></td><td class=\"c x2c1 y14da w119 hc\"><div class=\"t m0 xa6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">103.492 </div></td><td class=\"c x2c2 y14da w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">619.470 </div></td></tr><tr><td class=\"c x174 y14db w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentverm\u00f6gen </div></td><td class=\"c x2be y14db w116 hc\"><div class=\"t m0 x88 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.104.706 </div></td><td class=\"c x2bf y14db w117 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">14.736.046 </div></td><td class=\"c x2c0 y14db w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8.595.420 </div></td><td class=\"c x2c1 y14db w119 hc\"><div class=\"t m0 xa6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">103.492 </div></td><td class=\"c x2c2 y14db w11a hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">27.539.663 </div></td></tr><tr><td class=\"c x174 y14dc w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kred<span class=\"_ _0\"></span>itinstituten </div></td><td></td><td></td><td class=\"c x2c0 y14dc w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td class=\"c x2c2 y14dc w11a hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x174 y14dd w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Ku<span class=\"_ _0\"></span>nden </div></td><td class=\"c x2be y14dd w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.508.346 </div></td><td class=\"c x2bf y14dd w117 h12\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.220.243 </div></td><td></td><td></td><td class=\"c x2c2 y14dd w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x174 y14de w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td class=\"c x2c0 y14de w118 hc\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td><td></td><td class=\"c x2c2 y14de w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y14df w115 h2a\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td></td><td></td><td class=\"c x2c0 y14df w118 h2a\"><div class=\"t m0 xfd h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td><td></td><td class=\"c x2c2 y14df w11a h2a\"><div class=\"t m0 x15 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr><tr><td class=\"c x174 y14e0 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigen- und Nachr<span class=\"_ _0\"></span>angkapital </div></td><td class=\"c x2be y14e0 w116 hc\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">425.255 </div></td><td class=\"c x2bf y14e0 w117 hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.273.328 </div></td><td class=\"c x2c0 y14e0 w118 hc\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.115.647 </div></td><td></td><td class=\"c x2c2 y14e0 w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.814.229 </div></td></tr><tr><td class=\"c x174 y14e1 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Schulden </div></td><td class=\"c x2be y14e1 w116 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">42.873 </div></td><td class=\"c x2bf y14e1 w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">272.081 </div></td><td class=\"c x2c0 y14e1 w118 hc\"><div class=\"t m0 xfd h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">34.582 </div></td><td class=\"c x2c1 y14e1 w119 hc\"><div class=\"t m0 xa6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">511.785 </div></td><td class=\"c x2c2 y14e1 w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">861.322 </div></td></tr><tr><td class=\"c x174 y14e2 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentschulden </div></td><td class=\"c x2be y14e2 w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.976.474 </div></td><td class=\"c x2bf y14e2 w117 h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.765.651 </div></td><td class=\"c x2c0 y14e2 w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">9.285.752 </div></td><td class=\"c x2c1 y14e2 w119 h12\"><div class=\"t m0 xa6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">511.785 </div></td><td class=\"c x2c2 y14e2 w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">27.539.663 </div></td></tr><tr><td class=\"c x174 y14e3 w115 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen<span class=\"ff5\"> </span></div></td><td class=\"c x2be y14e3 w116 hc\"><div class=\"t m0 x8c h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">7.952<span class=\"ff5\"> </span></div></td><td class=\"c x2bf y14e3 w117 hc\"><div class=\"t m0 x15 h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">15.170<span class=\"ff5\"> </span></div></td><td class=\"c x2c0 y14e3 w118 hc\"><div class=\"t m0 x35 h6 ydb ff4 fs2 fc2 sc0 ls2 ws0\">262<span class=\"ff5 ls0\"> </span></div></td><td class=\"c x2c1 y14e3 w119 hc\"><div class=\"t m0 x4f h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.093<span class=\"ff5\"> </span></div></td><td class=\"c x2c2 y14e3 w11a hc\"><div class=\"t m0 x15 h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"ff5\"> </span></div></td></tr></table>34) Non-performing loans siehe Note 43, \u201eKreditrisiko\u201c<span class=\"ff5\"> </span><table class=\"s w2d4 h1d9\" id=\"_16673d83-9fd1-4410-a492-e0097289ce8d\"><tr><td class=\"c x174 y14e4 wb1 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">35) Als Sicherheit gestellte Ver<span class=\"_ _0\"></span>m\u00f6gensgegenst\u00e4nde<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e4 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y14e4 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y14e5 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr M\u00fcndelgeldspar<span class=\"_ _0\"></span>einlagen </div></td><td class=\"c x1e7 y14e5 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.996 </div></td><td class=\"c x1e8 y14e5 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.152 </div></td></tr><tr><td class=\"c x174 y14e6 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr fund<span class=\"_ _0\"></span>ierte Bankschuldverschreibungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e6 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.766 </div></td><td class=\"c x1e8 y14e6 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.766 </div></td></tr><tr><td class=\"c x174 y14e7 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr hypoth<span class=\"_ _0\"></span>ekarisch fundierte Bankschuldverschreib. <span class=\"_ _0\"></span>(Liqu<span class=\"_ _0\"></span>idit\u00e4tspuffer) </div></td><td class=\"c x1e7 y14e7 w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.496.781 </div></td><td class=\"c x1e8 y14e7 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.606.570 </div></td></tr><tr><td class=\"c x174 y14e8 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Margindeckung bzw<span class=\"_ _0\"></span>. Arrangement-Kaution f\u00fcr<span class=\"_ _0\"></span> Wertpapiergesch\u00e4fte und Derivate<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e8 w74 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">241.415 </div></td><td class=\"c x1e8 y14e8 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.319 </div></td></tr><tr><td class=\"c x174 y14e9 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sicherstellung f\u00fcr Euroclear<span class=\"_ _0\"></span>-Kreditlinie </div></td><td class=\"c x1e7 y14e9 w74 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y14e9 w82 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ea wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sicherstellung f\u00fcr EIB<span class=\"_ _0\"></span>-Globaldarlehensgew\u00e4hrun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y14ea w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.861 </div></td><td class=\"c x1e8 y14ea w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">93.856 </div></td></tr><tr><td class=\"c x174 y14eb wb1 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere und Ford<span class=\"_ _0\"></span>erungen f\u00fcr Refinanzierungsgesch\u00e4fte mit der OeNB<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14eb w74 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td class=\"c x1e8 y14eb w82 hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td></tr><tr><td class=\"c x178 y14ec w3ad h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere als Sicherstellung f\u00fcr<span class=\"_ _0\"></span> das Refinanzierungsprogramm mit der un<span class=\"_ _0\"></span>garischen<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y14ed w3ae h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Nationalbank<span class=\"_ _128\"> </span></div></td><td class=\"c x1e7 y14ee w74 h28\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">103.196 </div></td><td class=\"c x1e8 y14ee w82 h28\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">115.123 </div></td></tr><tr><td class=\"c x174 y14ef wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An die Oesterreichische Kontro<span class=\"_ _0\"></span>llbank (OeKB) zedierte Forderu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y14ef w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.486.805 </div></td><td class=\"c x1e8 y14ef w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.425.392 </div></td></tr><tr><td class=\"c x174 y14f0 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An deutsche F\u00f6rderb<span class=\"_ _0\"></span>anken zedierte Forderungen </div></td><td class=\"c x1e7 y14f0 w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.263.763 </div></td><td class=\"c x1e8 y14f0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.424.743 </div></td></tr><tr><td class=\"c x174 y14f1 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An die ungarische Nationalb<span class=\"_ _0\"></span>ank und an F\u00f6rderbanken in Ungarn zedierte Forderungen<span class=\"_ _1\"></span> </div></td><td class=\"c x1e7 y14f1 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">71.632 </div></td><td class=\"c x1e8 y14f1 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.884 </div></td></tr><tr><td class=\"c x174 y14f2 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere zur Deckun<span class=\"_ _0\"></span>g der Pensionsr\u00fcckstellun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y14f2 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.111 </div></td><td class=\"c x1e8 y14f2 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.085 </div></td></tr><tr><td class=\"c x174 y14f3 wb1 h44\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktivposten als Sicherheitsleistun<span class=\"_ _0\"></span>g f\u00fcr die CCP Austria GmbH als Clearing-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stelle f\u00fcr B\u00f6rsengesch\u00e4fte </div></td><td class=\"c x1e7 y14f3 w74 h44\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">406<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y14f3 w82 h44\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 95<span class=\"ls0\"> </span>Als Sicherheit gestellte Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> 7.638.812<span class=\"_ _128\"> </span> 8.285.880<span class=\"_ _128\"> </span> Die Stell<span class=\"_ _5\"></span>ung von Sicherhe<span class=\"_ _5\"></span>iten erfolgt nach de<span class=\"_ _5\"></span>n handels\u00fc<span class=\"_ _5\"></span>blichen oder gese<span class=\"_ _5\"></span>tzlichen Be<span class=\"_ _5\"></span>stimmungen.<span class=\"fsc\"> </span>36) Nachrangige Verm\u00f6gensgegenst\u00e4nde in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Forderungen an Kredit<span class=\"_ _0\"></span>institute<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> Forderungen an Kunden<span class=\"_ _128\"> </span> 39.228<span class=\"_ _128\"> </span> 55.479<span class=\"_ _128\"> </span> Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpap<span class=\"_ _0\"></span>iere<span class=\"_ _128\"> </span> 14.269<span class=\"_ _128\"> </span> 5.287<span class=\"_ _128\"> </span> Andere nicht festverzinsliche Wertpap<span class=\"_ _0\"></span>iere<span class=\"_ _128\"> </span> 16.609<span class=\"_ _128\"> </span> 15.276<span class=\"_ _128\"> </span> Nachrangige Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> 70.106<span class=\"_ _128\"> </span> 76.042<span class=\"_ _128\"> </span> 37) Fremdw\u00e4hrungsvolumina in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Aktiva<span class=\"_ _128\"> </span> 3.382.827<span class=\"_ _128\"> </span> 3.206.787<span class=\"_ _128\"> </span> Passiva<span class=\"_ _128\"> </span> 2.543.824<span class=\"_ _128\"> </span> 2.335.636<span class=\"_ _128\"> </span> Hierzu sei auc<span class=\"_ _5\"></span>h auf de<span class=\"_ _5\"></span>n Risikobericht unte<span class=\"_ _5\"></span>r Note 42 ff<span class=\"_ _5\"></span> verwiesen.<span class=\"fsc\"> </span>38) Treuhandverm\u00f6gen in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Treuhandkredite  414.928<span class=\"_ _128\"> </span> 385.693<span class=\"_ _128\"> </span> Treuhandbeteiligungen<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> Treuhandverm\u00f6gen<span class=\"_ _128\"> </span> 414.928<span class=\"_ _128\"> </span> 385.693<span class=\"_ _128\"> </span> Darunter<span class=\"_ _5\"></span> <span class=\"_ _0\"></span>fallen ERP<span class=\"_ _0\"></span>-Kredite, f\u00fcr <span class=\"_ _0\"></span>die d<span class=\"_ _0\"></span>ie Oberbank <span class=\"_ _0\"></span>nur <span class=\"_ _0\"></span>das <span class=\"_ _0\"></span>Gestionsrisik<span class=\"_ _5\"></span>o <span class=\"_ _0\"></span>tr\u00e4gt. <span class=\"_ _0\"></span>Die Treuhandgesch\u00e4fte der <span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>-Banken Wohnbaubank AG <span class=\"_ _0\"></span>mit <span class=\"_ _0\"></span>der <span class=\"_ _0\"></span>BKS<span class=\"_ _128\"> </span> Bank AG und d<span class=\"_ _5\"></span>er Bank f\u00fcr<span class=\"_ _5\"></span> Tirol und Vorarl<span class=\"_ _5\"></span>berg AG werde<span class=\"_ _5\"></span>n direkt beim Emi<span class=\"_ _5\"></span>ttent<span class=\"_ _5\"></span>en ausgewiesen. 39) Echte Pensionsgesc<span class=\"ffb\">h\u00e4fte in Ts<span class=\"_ _0\"></span>d.\u20ac</span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Die Buchwerte der echten<span class=\"_ _0\"></span> Pensionsgesch\u00e4fte betragen 0 0 40) Eventualverbindlichkeiten und Kreditrisiken in Ts<span class=\"_ _0\"></span>d.\u20ac<span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Sonstige Eventualverbindlichkeiten (Haft<span class=\"_ _0\"></span>ungen und Akkreditive)<span class=\"_ _0\"></span> 1.639.531<span class=\"_ _128\"> </span> 1.404.392<span class=\"_ _128\"> </span> Eventualverbindlichkeiten<span class=\"_ _128\"> </span> 1.639.531<span class=\"_ _128\"> </span> 1.404.392<span class=\"_ _128\"> </span> Verbindlichkeiten aus un<span class=\"_ _0\"></span>echten Pensionsgesch\u00e4ften<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> Sonstige Kreditrisiken (unw<span class=\"_ _0\"></span>iderrufliche Kreditzusagen)<span class=\"_ _0\"></span> 4.542.796<span class=\"_ _128\"> </span> 4.551.763<span class=\"_ _128\"> </span> Kreditrisiken<span class=\"_ _128\"> </span> 4.542.796<span class=\"_ _128\"> </span> 4.551.763<span class=\"_ _128\"> </span> 41) Unternehmen des Konsolid<span class=\"_ _0\"></span>ierungskreises<span class=\"_ _128\"> </span> Die nachfolgende Auflistu<span class=\"_ _0\"></span>ng stellt den Konsolidierungskr<span class=\"_ _0\"></span>eis des Oberbank Konzerns zum 31.12.2022 dar.<span class=\"_ _1\"></span> KONZERNMUTTERGESELLSCHA<span class=\"_ _0\"></span>FT OBERBANK AG, Linz<span class=\"_ _0\"></span> VOLLKONSOLIDIERTE UNTER<span class=\"_ _0\"></span>NEHMEN <span class=\"_ _4c\"> </span>Anteil in %<span class=\"_ _128\"> </span> 3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span> 80,00<span class=\"_ _128\"> </span> 3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> 80,00<span class=\"_ _128\"> </span> Donaul\u00e4nde Garage Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span> Oberbank Eugendorf Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH, Linz<span class=\"_ _128\"> </span> 90,00<span class=\"_ _128\"> </span> Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> 100,00<span class=\"_ _128\"> </span> Oberbank Goldkronach Beteiligungs Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting  100,00<span class=\"_ _128\"> </span> Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  100,00<span class=\"_ _128\"> </span> Konzernabschluss<span class=\"_ _0\"></span> 96<span class=\"ls0\"> </span><table class=\"s w3b5 h1e0\" id=\"_8545a74d-00d8-4a04-ac45-da1cb74f2c7f\"><tr><td class=\"c x2c8 y151b w3b6 h1e1\" colspan=\"2\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals <span class=\"_ _0\"></span>Oberbank Idstein Immobilien-Leasing GmbH), Neu<span class=\"_ _0\"></span>\u00f6t-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y151c w3b7 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ting<span class=\"_ _128\"> </span></div></td><td class=\"c x2c7 y151d w120 ha9\"><div class=\"t m0 x34 h5 y8a4 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y151e w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y151e w120 ha7\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">95,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y151f w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y151f w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1520 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1520 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1521 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1521 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1522 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1522 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1523 w121 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1523 w122 ha7\"><div class=\"t m0 xf9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1524 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1524 w120 ha7\"><div class=\"t m0 xc9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Komplement\u00e4r<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1525 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH <span class=\"_ _0\"></span>Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1525 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1526 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF Holz, s.r.o.,<span class=\"_ _0\"></span> Prag<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1526 w120 ha7\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">95,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1527 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1527 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1528 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1528 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1529 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1529 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152a w11f haa\"><div class=\"t m0 x90 h5 y8af ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag  </div></td><td class=\"c x2c7 y152a w120 haa\"><div class=\"t m0 x34 h5 y8af ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152b w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y152b w120 ha7\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">99,80<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152c w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y152c w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152d w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR Immobilienleasing GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y152d w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152e w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y152e w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152f w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenh<span class=\"_ _0\"></span>of Immobilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y152f w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1530 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1530 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1531 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x2c7 y1531 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1532 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1532 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1533 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neust<span class=\"_ _0\"></span>adt Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1533 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1534 w11f hab\"><div class=\"t m0 x90 h5 y7fe ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Immo<span class=\"_ _0\"></span>bilienleasing GmbH),<span class=\"_ _128\"> </span> </div><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1534 w120 hab\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1535 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1535 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1536 w121 ha8\"><div class=\"t m0 x90 h5 y8a4 ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1536 w122 ha8\"><div class=\"t m0 x2d h5 y8a4 ff4 fs2 fc2 sc0 ls0 ws0\">94,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1537 w121 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x186 y1537 w122 h26\"><div class=\"t m0 xf9 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1538 w121 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x186 y1538 w122 ha7\"><div class=\"t m0 xf9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1539 w121 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x186 y1539 w122 ha7\"><div class=\"t m0 xf9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y153a w121 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y153a w122 h26\"><div class=\"t m0 x2d h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">99,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y153b w3b8 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NACH IFRS 11 KONSOLIDIERTE UNTE<span class=\"_ _0\"></span>RNEHMEN (GEMEINSCHAFTLICHE T\u00c4TIGKEIT)<span class=\"_ _128\"> </span></div></td><td class=\"c x2c9 y153b w3b9 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anteil in %<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y153c w124 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2ca y153c w125 ha7\"><div class=\"t m0 x48 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">50,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y153d w3ba h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">AT EQUITY BEWERTE<span class=\"_ _0\"></span>TE ASSOZIIERTE UNTERNEHMEN<span class=\"_ _128\"> </span></div></td><td class=\"c x2cb y153d w3b9 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anteil in %<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y153e w126 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Bank f\u00fcr Tirol und Vorarlberg <span class=\"_ _0\"></span>Aktiengesellschaft, Innsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x2cc y153e w127 h26\"><div class=\"t m0 x39 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">13,85<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y153f w126 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">BKS Bank AG, Klagenfurt<span class=\"_ _0\"></span>  </div></td><td class=\"c x2cc y153f w127 ha7\"><div class=\"t m0 x39 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">18,52<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1540 w126 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">voestalpine AG, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2cc y1540 w127 ha7\"><div class=\"t m0 xc0 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">8,04<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y1541 w3bb h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NICHT KONSOLIDIERTE UNTERNEHME<span class=\"_ _0\"></span>N<span class=\"_ _128\"> </span></div></td><td class=\"c x2cd y1541 w3b9 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anteil in %<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1542 w3bc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">A. VERBUNDENE UNTER<span class=\"_ _0\"></span>NEHMEN<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y1543 w128 h26\"><div class=\"t m0 x90 h5 y550 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eAM\u201c Bau<span class=\"ff4\">- u<span class=\"_ _0\"></span>nd Geb\u00e4udevermietung Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div></td><td class=\"c x2ce y1543 w129 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1544 w128 ha7\"><div class=\"t m0 x90 h5 y8c3 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz (vor<span class=\"_ _0\"></span>m. Banken DL Servicegesellschaft m.b.H.)<span class=\"_ _0\"></span> </div></td><td class=\"c x2ce y1544 w129 ha7\"><div class=\"t m0 x90 h5 y8c3 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1545 w128 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2ce y1545 w129 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1546 w128 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembu<span class=\"_ _0\"></span>rg<span class=\"_ _128\"> </span> </div></td><td class=\"c x2ce y1546 w129 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">58,69<span class=\"_ _128\"> </span> </div></td></tr></table><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">97<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w128 h26 gs244\"><div class=\"t m0 x90 h5 y550 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eLA\u201c Geb\u00e4udevermietun<span class=\"_ _0\"></span>g und Bau <span class=\"ff4\">- Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div></div><div class=\"c w129 h26 gs245\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha8 gs246\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></div><div class=\"c w129 ha8 gs247\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs248\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></div><div class=\"c w129 ha7 gs249\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 h26 gs24a\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Industrie und <span class=\"_ _0\"></span>Handelsbeteiligungsholdin<span class=\"_ _0\"></span>g GmbH, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w129 h26 gs24b\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs24c\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w129 ha7 gs24d\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs24e\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></div><div class=\"c w129 ha7 gs24f\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 h26 gs250\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> </div></div><div class=\"c w129 h26 gs251\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs252\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w129 ha7 gs253\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs254\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w129 ha7 gs255\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 h26 gs256\"><div class=\"t m0 x90 h5 y550 ff9 fs2 fc2 sc0 ls0 ws0\">Samson \u010cesk\u00e9 Bud\u011bjovice spol. s r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span></div></div><div class=\"c w129 h26 gs257\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs258\"><div class=\"t m0 x90 h5 ye9 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eSG\u201c Geb\u00e4udevermietungsgesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"ff4\"> </span></div></div><div class=\"c w129 ha7 gs259\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs25a\"><div class=\"t m0 x90 h5 ye9 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eSP\u201c Bau<span class=\"ff4\">- und<span class=\"_ _0\"></span> Geb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div></div><div class=\"c w129 ha7 gs25b\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 h26 gs25c\"><div class=\"t m0 x90 h5 y550 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eST\u201c BAU Errichtun<span class=\"_ _0\"></span>gs<span class=\"ff4\">- und Vermietungsgesellschaft m.b.H., Linz</span><span class=\"ff4\"><span class=\"_ _0\"></span> </span></div></div><div class=\"c w129 h26 gs25d\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w128 ha7 gs25e\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls2d ws0\">TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span></div></div><div class=\"c w129 ha7 gs25f\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y27f ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _50\"> </span> </div><div class=\"t m0 x3 h6 y88a ff5 fs2 fc2 sc0 ls0 ws0\">B. ASSOZIIERTE UNTERNE<span class=\"_ _0\"></span>HMEN<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8d3 ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken-Generali Inv<span class=\"_ _0\"></span>estment-Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> <span class=\"_ _51\"> </span>20,57<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y4f4 ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz <span class=\"_ _52\"> </span>40,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y3c4 ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> <span class=\"_ _53\"> </span>40,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8d4 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz <span class=\"_ _54\"> </span>40,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8d5 ff4 fs2 fc2 sc0 ls0 ws0\">Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnan<span class=\"_ _0\"></span>g-Puchheim <span class=\"_ _55\"> </span>49,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y516 ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-E<span class=\"_ _0\"></span>DV Gesellschaft m.b.H.) <span class=\"_ _56\"> </span>40,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y3db ff4 fs2 fc2 sc0 ls0 ws0\">GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> <span class=\"_ _57\"> </span>33,11<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8d6 ff4 fs2 fc2 sc0 ls0 ws0\">Gain Capital Private Equity III SCSp<span class=\"_ _0\"></span> <span class=\"_ _58\"> </span>36,97<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y42f ff4 fs2 fc2 sc0 ls0 ws0\">Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad <span class=\"_ _0\"></span>Hofgastein <span class=\"_ _59\"> </span>32,62<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8d7 ff4 fs2 fc2 sc0 ls0 ws0\">GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g,  </div><div class=\"t m0 x4 h5 y8d8 ff4 fs2 fc2 sc0 ls0 ws0\">gemeinn\u00fctzige registrierte Genossenschaft mit<span class=\"_ _0\"></span> beschr\u00e4nkter Haftung, Linz<span class=\"_ _0\"></span> <span class=\"_ _5a\"> </span>25,16<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8d9 ff4 fs2 fc2 sc0 ls0 ws0\">Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling <span class=\"_ _5b\"> </span>24,90<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8da ff4 fs2 fc2 sc0 ls0 ws0\">O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz <span class=\"_ _5c\"> </span>24,7<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y8db ff4 fs2 fc2 sc0 ls0 ws0\">Techno-Z Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Brau<span class=\"_ _0\"></span>nau <span class=\"_ _5d\"> </span>21,50<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y8dc ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _50\"> </span> </div><div class=\"t m0 x3 h9 y8dd ff8 fs2 fc2 sc0 ls0 ws0\">Angaben zu Tochterun<span class=\"_ _0\"></span>ternehmen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y8de ff4 fs2 fc2 sc0 ls0 ws0\">Zu <span class=\"_ _1\"></span>den <span class=\"_ _1\"></span>Rechnungslegungsmetho<span class=\"_ _0\"></span>den <span class=\"_ _1\"></span>siehe <span class=\"_ _1\"></span>Punkt <span class=\"_ _1\"></span>2) <span class=\"_ _1\"></span>in <span class=\"_ _1\"></span>den <span class=\"_ _1\"></span>Erl\u00e4uterungen <span class=\"_ _1\"></span>(Notes) <span class=\"_ _1\"></span>zum <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzernabschluss, <span class=\"_ _1\"></span>Abschnitt <span class=\"_ _1\"></span>Konsoli-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y8df ff4 fs2 fc2 sc0 ls0 ws0\">dierungsmethoden. Nachstehend si<span class=\"_ _5\"></span>nd die <span class=\"_ _3d\"></span>wesentlichen Tochterunternehmen des<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank Konzerns in<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>den <span class=\"_ _5\"></span>Jahren 2022 <span class=\"_ _3d\"></span>und<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y8e0 ff4 fs2 fc2 sc0 ls0 ws0\">2021 aufgelistet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y439 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y7b8 ff5 fs2 fc2 sc0 ls0 ws0\">Name  <span class=\"_ _5e\"> </span>Land der  </div><div class=\"t m0 x3 h6 y3a6 ff5 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _43\"> </span>Hauptaktivit\u00e4t  <span class=\"_ _5f\"> </span>Eigenkapitalanteil in %  </div><div class=\"t m0 x3 h6 y8e1 ff5 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _43\"> </span> <span class=\"_ _60\"> </span><span class=\"ls2\">2022</span> <span class=\"_ _61\"> </span><span class=\"ls2\">2021</span> </div><div class=\"t m0 x3 h5 yda ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _62\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y464 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH <span class=\"_ _65\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y465 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _66\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y466 ff4 fs2 fc2 sc0 ls0 ws0\">Power Tower GmbH <span class=\"_ _67\"> </span>\u00d6sterreich <span class=\"_ _68\"> </span>99,00 <span class=\"_ _69\"> </span>99,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y467 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilien Leasing GmbH <span class=\"_ _6a\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y8e2 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen G<span class=\"_ _0\"></span>mbH <span class=\"_ _6b\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y469 ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Kfz-Leasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _6c\"> </span>\u00d6sterreich <span class=\"_ _68\"> </span>80,00 <span class=\"_ _69\"> </span>80,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y46a ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz Leasing GmbH <span class=\"_ _6d\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y46b ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH Bayern<span class=\"_ _0\"></span> <span class=\"_ _6e\"> </span>Deutschland <span class=\"_ _6f\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y8e3 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing spo<span class=\"_ _0\"></span>l.s.r.o. <span class=\"_ _70\"> </span>Tschechien <span class=\"_ _71\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x1f h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">98<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Ober Finanz Leasing gAG <span class=\"_ _72\"> </span>Ungarn <span class=\"_ _73\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing s.r.o<span class=\"_ _0\"></span>. <span class=\"_ _74\"> </span>Slowakei <span class=\"_ _a\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Donau<span class=\"_ _0\"></span>l\u00e4nde Invest GmbH <span class=\"_ _75\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Zum 31.12.2022 bestand<span class=\"_ _0\"></span>en in keinem Tochterunternehmen wesentliche nicht<span class=\"_ _0\"></span> beherrschend<span class=\"_ _0\"></span>e Anteile.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h9 y65 ff8 fs2 fc2 sc0 ls0 ws0\">Angaben zu asso<span class=\"_ _0\"></span>ziierten Unternehmen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Zu <span class=\"_ _76\"> </span>den <span class=\"_ _76\"> </span>Rechnungslegungsmethoden <span class=\"_ _76\"> </span>siehe <span class=\"_ _76\"> </span>Punkt <span class=\"_ _76\"> </span>2) <span class=\"_ _76\"> </span>in <span class=\"_ _3c\"> </span>d<span class=\"_ _0\"></span>en <span class=\"_ _3c\"> </span>Erl\u00e4uterungen <span class=\"_ _76\"> </span>(Not<span class=\"_ _0\"></span>es) <span class=\"_ _3c\"> </span>zu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span> <span class=\"_ _76\"> </span>Konzernabschluss, <span class=\"_ _76\"> </span>Abschnitt  </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Konsolidierungsmethod<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>. <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>er <span class=\"_ _1\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzern <span class=\"_ _1\"></span>h<span class=\"_ _0\"></span>at <span class=\"_ _12\"></span>zum <span class=\"_ _1\"></span>31.12.2022 <span class=\"_ _12\"></span>drei <span class=\"_ _1\"></span>assoziierte <span class=\"_ _12\"></span>Unternehmen, <span class=\"_ _1\"></span>die <span class=\"_ _12\"></span>nach <span class=\"_ _1\"></span>der <span class=\"_ _12\"></span>Equity<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Methode bilanziert werden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w12c had gs261\"><div class=\"t m0 xd2 h6 y8e6 ff5 fs2 fc2 sc0 ls0 ws0\">BKS Bank AG<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d had gs262\"><div class=\"t m0 xd2 h6 y8e7 ff5 fs2 fc2 sc0 ls0 ws0\">Bank f\u00fcr Tirol und Vorarl-<span class=\"_ _128\"> </span></div><div class=\"t m0 xd2 h6 y8e8 ff5 fs2 fc2 sc0 ls0 ws0\">berg Aktiengesellschaft<span class=\"_ _0\"></span> </div></div><div class=\"c w12e had gs263\"><div class=\"t m0 xd2 h6 y8e6 ff5 fs2 fc2 sc0 ls0 ws0\">voestalpine AG<span class=\"_ _128\"> </span> </div></div><div class=\"c w12b hae gs264\"><div class=\"t m0 x7 h6 y368 ff5 fs2 fc2 sc0 ls0 ws0\">Art der Beziehung<span class=\"_ _128\"> </span> </div></div><div class=\"c w12c hae gs265\"><div class=\"t m0 xd2 h5 y368 ff4 fs2 fc2 sc0 ls0 ws0\">Strategischer Bankpartn<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d hae gs266\"><div class=\"t m0 xd2 h5 y368 ff4 fs2 fc2 sc0 ls0 ws0\">Strategischer Bankpartn<span class=\"_ _0\"></span>er </div></div><div class=\"c w12e hae gs267\"><div class=\"t m0 xd2 h5 y368 ff4 fs2 fc2 sc0 ls0 ws0\">Strategischer Partner<span class=\"_ _128\"> </span> </div></div><div class=\"c w12b haf gs268\"><div class=\"t m0 x7 h6 y194 ff5 fs2 fc2 sc0 ls0 ws0\">Art der T\u00e4tigkeit<span class=\"_ _128\"> </span> </div></div><div class=\"c w12c haf gs269\"><div class=\"t m0 xd2 h5 y194 ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstitut<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d haf gs26a\"><div class=\"t m0 xd2 h5 y194 ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstitut<span class=\"_ _128\"> </span> </div></div><div class=\"c w12e haf gs26b\"><div class=\"t m0 xd2 h5 y7fe ff4 fs2 fc2 sc0 ls0 ws0\">Stahlbasierter Technologie<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">und Industrieg\u00fcterkonzern<span class=\"_ _0\"></span> </div></div><div class=\"c w12b h3b gs26c\"><div class=\"t m0 x7 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Hauptsitz der Gesch\u00e4ftst\u00e4-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">tigkeit<span class=\"_ _128\"> </span> </div></div><div class=\"c w12c h3b gs26d\"><div class=\"t m0 xd2 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d h3b gs26e\"><div class=\"t m0 xd2 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich<span class=\"_ _128\"> </span> </div></div><div class=\"c w12e h3b gs26f\"><div class=\"t m0 xd2 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich<span class=\"_ _128\"> </span> </div></div><div class=\"c w12b hc gs270\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kapitalanteil<span class=\"_ _128\"> </span> </div></div><div class=\"c w12c hc gs271\"><div class=\"t m0 xd2 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d hc gs272\"><div class=\"t m0 xd2 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12e hc gs273\"><div class=\"t m0 xd2 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12b h12 gs274\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stimmanteil<span class=\"_ _128\"> </span> </div></div><div class=\"c w12c h12 gs275\"><div class=\"t m0 xd2 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d h12 gs276\"><div class=\"t m0 xd2 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12e h12 gs277\"><div class=\"t m0 xd2 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12b hb0 gs278\"><div class=\"t m0 x7 h6 y8ee ff5 fs2 fc2 sc0 ls0 ws0\">Beizulegender Zeitwert des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h6 y8ef ff5 fs2 fc2 sc0 ls0 ws0\">Eigentumsanteils (sofern<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h6 y32c ff5 fs2 fc2 sc0 ls0 ws0\">b\u00f6rsennotiert)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12c hb0 gs279\"><div class=\"t m0 xd2 h5 y8f0 ff4 fs2 fc2 sc0 ls0 ws0\">111.336 Tsd. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 xd2 h5 y8f1 ff4 fs2 fc2 sc0 ls0 ws0\">(2021: 121.674 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12d hb0 gs27a\"><div class=\"t m0 xd2 h5 y8f0 ff4 fs2 fc2 sc0 ls0 ws0\">192.299 Tsd. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 xd2 h5 y8f1 ff4 fs2 fc2 sc0 ls0 ws0\">(2021: 148.952 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span> </div></div><div class=\"c w12e hb0 gs27b\"><div class=\"t m0 xd2 h5 y8f0 ff4 fs2 fc2 sc0 ls0 ws0\">355.820 Tsd. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 xd2 h5 y8f1 ff4 fs2 fc2 sc0 ls0 ws0\">(2021: 459.494 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y8f2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y8f3 ff4 fs2 fc2 sc0 ls0 ws0\">Es <span class=\"_ _0\"></span>folgen <span class=\"_ _0\"></span>zusammengefasste <span class=\"_ _0\"></span>Finanzinformationen <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>assoziierten <span class=\"_ _0\"></span>U<span class=\"_ _0\"></span>nternehmen <span class=\"_ _0\"></span>BKS <span class=\"_ _0\"></span>Bank AG, <span class=\"_ _0\"></span>Bank <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Tirol und <span class=\"_ _0\"></span>Vorarl-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y254 ff4 fs2 fc2 sc0 ls0 ws0\">berg <span class=\"_ _12\"></span>Aktiengesellschaft <span class=\"_ _12\"></span>(Kreditinstitut<span class=\"_ _0\"></span>e) <span class=\"_ _12\"></span>und <span class=\"_ _12\"></span>voestalpine <span class=\"_ _12\"></span>AG <span class=\"_ _12\"></span>(Sonstige). <span class=\"_ _12\"></span>Die <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>aten <span class=\"_ _12\"></span>basieren <span class=\"_ _12\"></span>auf <span class=\"_ _12\"></span>den <span class=\"_ _12\"></span>jeweiligen <span class=\"_ _12\"></span>Konzernab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y255 ff4 fs2 fc2 sc0 ls0 ws0\">schl\u00fcssen, die nach IFRS erst<span class=\"_ _0\"></span>ellt wurden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y8f4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w130 hc gs27c\"><div class=\"t m0 x32 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstitute<span class=\"_ _128\"> </span> </div></div><div class=\"c w131 hc gs27d\"><div class=\"t m0 x42 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige<span class=\"_ _128\"> </span> </div></div><div class=\"c wc2 hc gs27e\"><div class=\"t m0 xc h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">BKS<span class=\"_ _128\"> </span> </div></div><div class=\"c w132 hc gs27f\"><div class=\"t m0 xe h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">BTV<span class=\"_ _128\"> </span> </div></div><div class=\"c w131 hc gs280\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">voestalpine<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f h12 gs281\"><div class=\"t m0 x7 h6 y7f ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></div><div class=\"c w113 h12 gs282\"><div class=\"t m0 x54 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w113 h12 gs283\"><div class=\"t m0 x54 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w133 h12 gs284\"><div class=\"t m0 x5b h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c wef h12 gs285\"><div class=\"t m0 x37 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w134 h12 gs286\"><div class=\"t m0 x37 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w135 h12 gs287\"><div class=\"t m0 x37 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w12f hc gs288\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erl\u00f6se<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hc gs289\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">236.730 </div></div><div class=\"c w113 hc gs28a\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">257.266 </div></div><div class=\"c w133 hc gs28b\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">347.704 </div></div><div class=\"c wef hc gs28c\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">278.905 </div></div><div class=\"c w134 hc gs28d\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.175.500 </div></div><div class=\"c w135 hc gs28e\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.199.400<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hb1 gs28f\"><div class=\"t m0 x7 h5 y36b ff4 fs2 fc2 sc0 ls0 ws0\">Gewinn/Verlust aus fortzuf\u00fchrend<span class=\"_ _0\"></span>en Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y35c ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ftsbereichen<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hb1 gs290\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.583 </div></div><div class=\"c w113 hb1 gs291\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.887<span class=\"_ _128\"> </span> </div></div><div class=\"c w133 hb1 gs292\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.320<span class=\"_ _128\"> </span> </div></div><div class=\"c wef hb1 gs293\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.415 </div></div><div class=\"c w134 hb1 gs294\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.559.700 </div></div><div class=\"c w135 hb1 gs295\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">793.200<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f h28 gs296\"><div class=\"t m0 x7 h5 y2d6 ff4 fs2 fc2 sc0 ls0 ws0\">Gewinn/Verlust nach Steuern<span class=\"_ _0\"></span> aus aufge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y389 ff4 fs2 fc2 sc0 ls0 ws0\">gebenen Gesch\u00e4ftsbereichen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y190 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w113 h28 gs297\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 h28 gs298\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w133 h28 gs299\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c wef h28 gs29a\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w134 h28 gs29b\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w135 h28 gs29c\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f he gs29d\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges Ergebnis<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 he gs29e\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.742 </div></div><div class=\"c w113 he gs29f\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.886<span class=\"_ _128\"> </span> </div></div><div class=\"c w133 he gs2a0\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.485<span class=\"_ _128\"> </span> </div></div><div class=\"c wef he gs2a1\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.510 </div></div><div class=\"c w134 he gs2a2\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">133.500 </div></div><div class=\"c w135 he gs2a3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">116.900<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hf gs2a4\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hf gs2a5\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.325 </div></div><div class=\"c w113 hf gs2a6\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.773 </div></div><div class=\"c w133 hf gs2a7\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">106.805<span class=\"_ _128\"> </span> </div></div><div class=\"c wef hf gs2a8\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">87.925 </div></div><div class=\"c w134 hf gs2a9\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.693.200 </div></div><div class=\"c w135 hf gs2aa\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">910.100<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hf gs2ab\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Kurzfristige Verm\u00f6genswerte<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hf gs2ac\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.200.716 </div></div><div class=\"c w113 hf gs2ad\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.606.152 </div></div><div class=\"c w133 hf gs2ae\"><div class=\"t m0 x29 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.926.365 </div></div><div class=\"c wef hf gs2af\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.117.000 </div></div><div class=\"c w134 hf gs2b0\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.347.800 </div></div><div class=\"c w135 hf gs2b1\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.216.900<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f he gs2b2\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Langfristige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div><div class=\"t m0 x7 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">K<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 he gs2b3\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.360.996 </div></div><div class=\"c w113 he gs2b4\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.828.805 </div></div><div class=\"c w133 he gs2b5\"><div class=\"t m0 x88 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.323.153 </div></div><div class=\"c wef he gs2b6\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.836.848 </div></div><div class=\"c w134 he gs2b7\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.796.000 </div></div><div class=\"c w135 he gs2b8\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.219.400<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hd gs2b9\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Kurzfristige Schulden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">L<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hd gs2ba\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">862.051 </div></div><div class=\"c w113 hd gs2bb\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">758.665 </div></div><div class=\"c w133 hd gs2bc\"><div class=\"t m0 x29 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.598.715 </div></div><div class=\"c wef hd gs2bd\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.608.245 </div></div><div class=\"c w134 hd gs2be\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.061.900 </div></div><div class=\"c w135 hd gs2bf\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.253.600<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hf gs2c0\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Langfristige Schulden<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hf gs2c1\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.194.067 </div></div><div class=\"c w113 hf gs2c2\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.233.310 </div></div><div class=\"c w133 hf gs2c3\"><div class=\"t m0 x29 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.672.026 </div></div><div class=\"c wef hf gs2c4\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.474.025 </div></div><div class=\"c w134 hf gs2c5\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.549.000 </div></div><div class=\"c w135 hf gs2c6\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.105.200<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f h9b gs2c7\"><div class=\"t m0 x7 h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x7 h5 y7fe ff4 fs2 fc2 sc0 ls0 ws0\">der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">resbeginn<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 h9b gs2c8\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.534 </div></div><div class=\"c w113 h9b gs2c9\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.677 </div></div><div class=\"c w133 h9b gs2ca\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.858 </div></div><div class=\"c wef h9b gs2cb\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">240.745 </div></div><div class=\"c w134 h9b gs2cc\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></div><div class=\"c w135 h9b gs2cd\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">420.724<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hf gs2ce\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Zurechenbares Gesamtergebn<span class=\"_ _0\"></span>is<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hf gs2cf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.424 </div></div><div class=\"c w113 hf gs2d0\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.764<span class=\"_ _128\"> </span> </div></div><div class=\"c w133 hf gs2d1\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.838<span class=\"_ _128\"> </span> </div></div><div class=\"c wef hf gs2d2\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.219 </div></div><div class=\"c w134 hf gs2d3\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">76.106<span class=\"_ _128\"> </span> </div></div><div class=\"c w135 hf gs2d4\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.828<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f he gs2d5\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Erhaltene Dividenden<span class=\"_ _0\"></span> im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 he gs2d6\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.829<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 he gs2d7\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.907<span class=\"_ _128\"> </span> </div></div><div class=\"c w133 he gs2d8\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.414<span class=\"_ _128\"> </span> </div></div><div class=\"c wef he gs2d9\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.105 </div></div><div class=\"c w134 he gs2da\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.231<span class=\"_ _128\"> </span> </div></div><div class=\"c w135 he gs2db\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.180<span class=\"_ _128\"> </span> </div></div><div class=\"c w12f hf gs2dc\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hf gs2dd\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w113 hf gs2de\"><div class=\"t m0 x11 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w133 hf gs2df\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.987<span class=\"_ _128\"> </span> </div></div><div class=\"c wef hf gs2e0\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w134 hf gs2e1\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w135 hf gs2e2\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div>Konzernabschluss<span class=\"_ _0\"></span> 99<span class=\"ls0\"> </span><table class=\"s w3e8 h1e9\" id=\"_474c0de0-7e14-4d6a-b032-d3ed6911f857\"><tr><td class=\"c x178 y1588 w3e6 h1ea\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1589 w3e7 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y158a w3e9 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">resende<span class=\"_ _128\"> </span></div></td><td class=\"c x2ea y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">267.129 </div></td><td class=\"c x2ed y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.534 </div></td><td class=\"c x2ec y1075 w133 hb3\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">281.269 </div></td><td class=\"c x1d7 y1075 wef hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.858 </div></td><td class=\"c x2eb y1075 w134 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x2ee y1075 w135 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr></table>F\u00fcr die Beteiligung an der BKS Bank AG <span class=\"_ _0\"></span>besteht zwischen der Oberbank AG, der Ban<span class=\"_ _0\"></span>k f\u00fcr Tirol und Vorarlberg Aktiengesell-<span class=\"_ _128\"> </span>schaft und der Gen<span class=\"_ _0\"></span>erali 3Banken Holding AG bzw. f\u00fcr die Beteiligung an der Bank f\u00fc<span class=\"_ _0\"></span>r Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span> besteht zwisch<span class=\"_ _0\"></span>en der Oberbank AG, der BKS Bank AG und der Generali 3Banken Hold<span class=\"_ _0\"></span>ing AG jeweils ein Syndikatsvertrag.<span class=\"_ _128\"> </span> Zweck der Syndikate ist<span class=\"_ _0\"></span> es, die Eigenst\u00e4ndigkeit der BKS Ban<span class=\"_ _0\"></span>k AG bzw. der Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span> zu erhalten. Die E<span class=\"_ _0\"></span>inbeziehung von BKS Bank AG un<span class=\"_ _0\"></span>d Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft b<span class=\"_ _0\"></span>eruht auf diesen Syn-<span class=\"_ _128\"> </span>dikatsvertr\u00e4gen. Die Einbeziehung d<span class=\"_ _0\"></span>es voestalpine-Ko<span class=\"_ _0\"></span>nzerns beruht vor allem auf dem nachh<span class=\"_ _0\"></span>altig strategischen Gehalt der<span class=\"_ _128\"> </span> Eigent\u00fcmerstruktur und der damit bestehend<span class=\"_ _0\"></span>en M\u00f6<span class=\"_ _0\"></span>glichkeit, ma\u00dfgeblichen Einfluss au<span class=\"_ _0\"></span>szu\u00fcben. Als strategischer Investor<span class=\"_ _128\"> </span> stellt die Oberbank AG dar\u00fcb<span class=\"_ _0\"></span>er hinaus einen Vertreter im Aufsichtsrat<span class=\"_ _0\"></span> der voestalpine AG. Der Stichtag f\u00fcr die Einbeziehung<span class=\"_ _128\"> </span> der assoziierten Unterneh<span class=\"_ _0\"></span>men ist jeweils der 30. September, <span class=\"_ _0\"></span>um eine zeitnahe Jahresabschlu<span class=\"_ _0\"></span>sserstellung zu erm\u00f6glichen.<span class=\"_ _0\"></span> Auswirkungen bedeutend<span class=\"_ _0\"></span>er Gesch\u00e4ftsvorf\u00e4lle oder anderer Ereignisse zwischen dem Berichtsst<span class=\"_ _0\"></span>ichtag und dem Kon<span class=\"_ _0\"></span>zernab-<span class=\"_ _128\"> </span>schlussstichtag werden, s<span class=\"_ _0\"></span>ofern gege<span class=\"_ _5\"></span>ben, ber\u00fccksichtigt.<span class=\"_ _0\"></span> D<span class=\"_ _0\"></span>ie nicht in den Konzernabs<span class=\"_ _0\"></span>chluss aufgenommenen assoziierten<span class=\"_ _128\"> </span> Unternehmen wiesen zum Bilanzst<span class=\"_ _0\"></span>ichtag folgende Werte (UGB) aus:<span class=\"_ _0\"></span> <table class=\"s w3ea h176\" id=\"_740229cb-305e-43e3-aabc-668db20660c8\"><tr><td class=\"c x174 y158b w136 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x2ef y158b w137 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y158b w138 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ff4 ls0\"> </span></div></td></tr><tr><td class=\"c x174 y158c w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6gensgegenst\u00e4nde </div></td><td class=\"c x2ef y158c w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">265.351 </div></td><td class=\"c x2f0 y158c w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.384 </div></td></tr><tr><td class=\"c x174 y158d w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schulden </div></td><td class=\"c x2ef y158d w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.166 </div></td><td class=\"c x2f0 y158d w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.717 </div></td></tr><tr><td class=\"c x174 y158e w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erl\u00f6se </div></td><td class=\"c x2ef y158e w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">173.451 </div></td><td class=\"c x2f0 y158e w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.098 </div></td></tr><tr><td class=\"c x174 y158f w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Periodengewinne/<span class=\"_ _0\"></span>-verluste </div></td><td class=\"c x2ef y158f w137 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.830 </div></td><td class=\"c x2f0 y158f w138 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.089 </div></td></tr></table>Da es sich bei diesen Werten um UGB<span class=\"_ _0\"></span>-Werte handelt, konnte eine Au<span class=\"_ _0\"></span>fgliederung gem\u00e4\u00df IFRS 12 nach fo<span class=\"_ _0\"></span>rtgef\u00fchrten/  aufgegebenen Gesch\u00e4ftsbereichen b<span class=\"_ _0\"></span>zw. nach Sonstiges Ergebnis/Gesamt<span class=\"_ _0\"></span>ergebnis nicht vorgenommen werden.<span class=\"_ _1\"></span> Angaben zu gemeinsc<span class=\"_ _0\"></span>haftlichen T\u00e4tigkeiten<span class=\"_ _128\"> </span> Zu den Rechnungslegungsmeth<span class=\"_ _0\"></span>oden siehe Punkt 2) in den E<span class=\"_ _0\"></span>rl\u00e4uterungen (Notes) zum Kon<span class=\"_ _0\"></span>zernabschluss, Abschnitt Konsoli-<span class=\"_ _128\"> </span>dierungsmethoden. D<span class=\"_ _0\"></span>er Oberbank Konzern h\u00e4lt einen Anteil von 50 % an der A<span class=\"_ _0\"></span>LPENL\u00c4NDISCHE GARANTIE<span class=\"_ _1\"></span>-GESELLSCHAFT<span class=\"_ _128\"> </span>m.b.H, einer zusammen mit sein<span class=\"_ _0\"></span>en Schwesterban<span class=\"_ _0\"></span>ken BKS Bank AG und Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft ge-<span class=\"_ _128\"> </span>bildeten gemeinsamen Vereinbarun<span class=\"_ _0\"></span>g. Der Zweck der Gesellschaft ist die Garantie von Gro\u00df<span class=\"_ _0\"></span>kreditrisiken im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span> der Gesellschafterbanken. D<span class=\"_ _0\"></span>er Hauptsitz ihrer Gesch<span class=\"_ _0\"></span>\u00e4ftst\u00e4tigkeit befindet sich in \u00d6sterr<span class=\"_ _0\"></span>eich. Obwohl die ALPENL\u00c4NDISCHE<span class=\"_ _128\"> </span> GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H von den<span class=\"_ _0\"></span> Parteien rechtlich unabh\u00e4ngig ist, wird sie vom Oberban<span class=\"_ _0\"></span>k Konzern und seinen<span class=\"_ _128\"> </span> Schwesterbanken als eine gemeinschaftliche T\u00e4t<span class=\"_ _0\"></span>igkeit eingestuft. Dies gesc<span class=\"_ _0\"></span>hieht deshalb<span class=\"_ _0\"></span>, da der f\u00fcr die Deckung der Gro\u00df-<span class=\"_ _128\"> </span>kredite gebildete Deckungsfonds au<span class=\"_ _0\"></span>sschlie\u00dflich den Gesellschafterbanken zur Verf\u00fc<span class=\"_ _0\"></span>gung steht und durch Einzahlungen von<span class=\"_ _0\"></span> ihnen gebildet wurd<span class=\"_ _0\"></span>e.  Angaben zu n<span class=\"_ _0\"></span>icht konsolidierten strukturierten Unternehmen<span class=\"_ _0\"></span> Art, Zweck und Umfang der Be<span class=\"_ _0\"></span>teiligung des Konzerns an nicht konso<span class=\"_ _0\"></span>lidierten, strukturierten Einheiten<span class=\"_ _0\"></span><span class=\"fc3\"> </span>Der Oberbank Konzern nut<span class=\"_ _0\"></span>zt sogenannte strukturierte Einheiten, die einem bestimmten Gesch\u00e4ft<span class=\"_ _0\"></span>szweck dienen. Struktu-<span class=\"_ _128\"> </span>rierte Einheiten sind derart ausgestaltet, d<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s Stimmrechte bei der Entscheidung, wer das Unternehmen beherr<span class=\"_ _0\"></span>scht, nicht<span class=\"_ _128\"> </span> der ausschlaggebende Fakto<span class=\"_ _0\"></span>r sind. Ein strukturiertes Unternehmen verf\u00fcgt \u00fc<span class=\"_ _0\"></span>ber einige oder alle der folgenden Merkmale:<span class=\"_ _128\"> </span> limitierte Aktivit\u00e4ten, ein eng gefasstes un<span class=\"_ _0\"></span>d genau definiertes<span class=\"_ _0\"></span> Ziel, unzureichendes Eigenkapital um seine Akt<span class=\"_ _0\"></span>ivit\u00e4ten ohne<span class=\"_ _128\"> </span> nachrangige finanzielle Unterst\u00fct<span class=\"_ _0\"></span>zung zu finanzieren. Strukturierte Einheiten fin<span class=\"_ _0\"></span>anzieren den Erwerb von Verm\u00f6genswerten<span class=\"_ _128\"> </span> oftmals durch die Emission<span class=\"_ _0\"></span> von Schuld- od<span class=\"_ _0\"></span>er Eigenkapitaltiteln. Teilweise werden d<span class=\"_ _0\"></span>iese durch die von ihn<span class=\"_ _0\"></span>en gehaltenen Ver-<span class=\"_ _128\"> </span>m\u00f6genswerte besichert od<span class=\"_ _0\"></span>er sind an diese gekoppelt.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">100<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen des Oberbank Konzerns an<span class=\"_ _0\"></span> nicht konsolidierten stru<span class=\"_ _0\"></span>kturierten Einheiten bestehen aus vertraglichen Beziehun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">gen, die zum Empfang von v<span class=\"_ _0\"></span>ariablen R\u00fcckfl\u00fcssen<span class=\"_ _0\"></span> aus der Performance der nicht konsolid<span class=\"_ _0\"></span>ierten strukturierten Einheiten be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">rechtigen. Es handelt sich d<span class=\"_ _0\"></span>abei um Gesch\u00e4ftsaktivit\u00e4ten mit Investmentfondsant<span class=\"_ _0\"></span>eilen, in die der Oberbank Konzern inves-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">tiert hat. Sie dienen der Erzielung vo<span class=\"_ _0\"></span>n Veranlagungser<span class=\"_ _0\"></span>tr\u00e4gen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Die Einheiten, die Gegenstand dieser Anh<span class=\"_ _0\"></span>angangabe sind, werden nicht konso<span class=\"_ _0\"></span>lidiert, da der Oberbank Konzern keine Beherr-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">schung \u00fcber Stimmrechte, Vertr\u00e4ge, Finanzieru<span class=\"_ _0\"></span>ngsvereinbarungen oder an<span class=\"_ _0\"></span>dere Mittel hat. Die im Oberbank Konzern identi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">fizierten wesentlichen str<span class=\"_ _0\"></span>ukturierten Unternehmen werden in<span class=\"_ _0\"></span> der Regel im IFRS-Absch<span class=\"_ _0\"></span>luss mit dem Fair Value bew<span class=\"_ _0\"></span>ertet, da<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">deren Wertentwicklun<span class=\"_ _0\"></span>g auf Grundlage des beizulegenden Zeitwerts auf Basis einer doku<span class=\"_ _0\"></span>mentierten Anlagestrategie beur-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">teilt und gesteuert w<span class=\"_ _0\"></span>ird.  </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y119 ff5 fs2 fc2 sc0 ls0 ws0\">Einnahmen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Der Oberbank Konzern erzielt Einn<span class=\"_ _0\"></span>ahmen aus derartigen Gesch\u00e4ften zu<span class=\"_ _0\"></span>m einen in Form von Aussch\u00fcttungen und zu<span class=\"_ _0\"></span>m ande-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">ren aus der Wertver\u00e4nderung der gehaltenen Wert<span class=\"_ _0\"></span>papiere. Aussch\u00fcttun<span class=\"_ _0\"></span>gen werden in der Position Zinsen und \u00e4h<span class=\"_ _0\"></span>nliche Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">tr\u00e4ge ausgewiesen. Wertver\u00e4nd<span class=\"_ _0\"></span>erungen sind in der Position Sonstiger betrieblicher Er<span class=\"_ _0\"></span>folg, im Ergebnis aus finanziellen Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">m\u00f6genswerten FV/PL, <span class=\"_ _0\"></span>enthalten.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y11e ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11f ff5 fs2 fc2 sc0 ls0 ws0\">H\u00f6chstm\u00f6gliches Ausfallsrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Das maximal m\u00f6gliche Verlustrisiko besteh<span class=\"_ _0\"></span>t im Buchwert, der in der Bilanz ausgewiesen ist<span class=\"_ _0\"></span>. G<span class=\"_ _0\"></span>estellte Sicherheiten finden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">keine Ber\u00fccksichtigung als Abzugspost<span class=\"_ _0\"></span>en.  </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y123 ff5 fs2 fc2 sc0 ls0 ws0\">Gr\u00f6\u00dfe  </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Als relevantes Gr\u00f6\u00df<span class=\"_ _0\"></span>enkriterium f\u00fcr nicht konsolidierte strukturierte Unternehmen hat<span class=\"_ _0\"></span> der Oberbank Konzern den Fair Value<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">der verwalteten Verm\u00f6genswerte festgelegt. Die Festlegun<span class=\"_ _0\"></span>g au<span class=\"_ _0\"></span>f den Fair Value erfolgte, d<span class=\"_ _0\"></span>a die Wertentwicklung dieser  </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Investments auf Grund<span class=\"_ _0\"></span>lage des beizulegenden Zeitwerts auf Basis einer doku<span class=\"_ _0\"></span>mentierten Anlagestrategie beurteilt und ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">steuert wird.  </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y129 ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Unterst\u00fctzung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Im Gesch\u00e4ftsjahr stellte der Oberb<span class=\"_ _0\"></span>ank Konzern<span class=\"_ _0\"></span> nicht konsolidierten strukturierten Einheiten keine Unterst\u00fc<span class=\"_ _0\"></span>tzung zur <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">Verf\u00fcgung, ohne dazu<span class=\"_ _0\"></span> vertraglich verpflichtet gewesen zu sein. F\u00fcr d<span class=\"_ _0\"></span>ie Zukunft ist dies auch nicht geplant<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Die folgende Tabelle zeigt die Buchw<span class=\"_ _0\"></span>erte der Beteiligungen des Kon<span class=\"_ _0\"></span>zerns sowie den maximal m\u00f6glichen Verlust<span class=\"_ _0\"></span>, der aus die-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">sen Beteiligungen resultieren k\u00f6n<span class=\"_ _0\"></span>nte. Sie gibt auch eine Indikation \u00fcb<span class=\"_ _0\"></span>er die Gr\u00f6\u00dfe von strukturierten Einheiten.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs2e7\"><table class=\"s w3eb h1eb\" id=\"_6a8b428f-a46f-4472-a285-b6603fd1c81e\"><tr><td class=\"c x174 y1590 w139 h12\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x221 y1590 w137 h12\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y1590 w138 h12\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1591 w139 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1592 w139 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL<span class=\"_ _0\"></span> </div></td><td class=\"c x221 y1592 w137 hf\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td><td class=\"c x2f0 y1592 w138 hf\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td></tr><tr><td class=\"c x174 y1593 w139 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnisrechnung<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1594 w139 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x221 y1594 w137 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.181 </div></td><td class=\"c x2f0 y1594 w138 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.149 </div></td></tr><tr><td class=\"c x174 y1595 w139 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>en FV/PL </div></td><td class=\"c x221 y1595 w137 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.181 </div></td><td class=\"c x2f0 y1595 w138 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.145 </div></td></tr><tr><td class=\"c x174 y1596 w139 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg </div></td><td class=\"c x221 y1596 w137 hf\"><div class=\"t m0 xc7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2f0 y1596 w138 hf\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td></tr><tr><td class=\"c x174 y1597 w139 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">H\u00f6chstm\u00f6gliches Ausfallsrisiko </div></td><td class=\"c x221 y1597 w137 hf\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">33.401<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y1597 w138 hf\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.374<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h6 y917 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y530 ff5 fs2 fc2 sc0 ls0 ws0\">42) Risikomanagement<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y414 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y531 ff5 fs2 fc2 sc0 ls0 ws0\">Risikostrategie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y532 ff4 fs2 fc2 sc0 ls0 ws0\">Die gezielte \u00dcbernahme von<span class=\"_ _0\"></span> Risiken stellt ein wesentliches Merkmal des Bankgesch\u00e4ft<span class=\"_ _0\"></span>es dar und ist die Basis f\u00fcr<span class=\"_ _0\"></span> eine <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y791 ff4 fs2 fc2 sc0 ls0 ws0\">nachhaltig stabile Gesch\u00e4fts<span class=\"_ _0\"></span>- und Ergebnisentwicklun<span class=\"_ _0\"></span>g in der Oberbank AG.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y918 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5fa ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank AG ist f\u00fcr<span class=\"_ _0\"></span> die Festlegung, Umsetzung, das Risikoman<span class=\"_ _0\"></span>agement und das Risikocontr<span class=\"_ _0\"></span>olling der zentral festgeleg-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y919 ff4 fs2 fc2 sc0 ls0 ws0\">ten Risikostrategie im Oberbank<span class=\"_ _0\"></span>-Konzern zust<span class=\"_ _0\"></span>\u00e4ndig.  </div><div class=\"t m0 x3 h5 y91a ff4 fs2 fc2 sc0 ls0 ws0\">Ausgangspunkt der Risikostrat<span class=\"_ _0\"></span>egie der Oberbank AG ist die Positionierung als Region<span class=\"_ _0\"></span>albank.<span class=\"_ _0\"></span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">101<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Der Vorstand und alle MitarbeiterInn<span class=\"_ _0\"></span>en handeln nach den r<span class=\"_ _0\"></span>isikopolitischen<span class=\"_ _0\"></span> Grunds\u00e4tzen und treffen ihre Entscheidungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">unter Einhaltung dieser Leitlinien. Der Aufnah<span class=\"_ _0\"></span>me neuer Gesch\u00e4ftsfelder oder Produkte geht eine ad<span class=\"_ _0\"></span>\u00e4quate Analyse der ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ftsspezifischen Risiken voraus.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y63 ff5 fs2 fc2 sc0 ls0 ws0\">Organisation des Risikomanagements<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Risikomanagement bezeichnet alle Aktivit\u00e4t<span class=\"_ _0\"></span>en zum systematischen Umgang mit Risiken im Konzern<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Das Risikomanagement ist in<span class=\"_ _0\"></span> der Oberbank AG integraler Bestand<span class=\"_ _0\"></span>teil der Gesch\u00e4ftspolitik, der strategischen Zieleplanun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">sowie des operativen Managements b<span class=\"_ _0\"></span>zw. Controllin<span class=\"_ _0\"></span>gs. Die zentrale Verantwortung f\u00fcr das<span class=\"_ _0\"></span> Risikomanagement liegt beim<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtvorstand der Oberb<span class=\"_ _0\"></span>ank AG.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Aus der Risikostrategie werden im Zuge des Bud<span class=\"_ _0\"></span>getierungskreislaufes die Risikoziele f\u00fcr<span class=\"_ _0\"></span> das entsprechende Gesch\u00e4ft<span class=\"_ _0\"></span>sjahr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">abgeleitet und d<span class=\"_ _0\"></span>ie Verteilung der Risikodeckungsmassen als Limits au<span class=\"_ _0\"></span>f die Einzelrisiken vorgenommen. Diese Limits bilden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">die Basis f\u00fcr die das Jahr \u00fcber laufende, en<span class=\"_ _0\"></span>ge Steuerung. Der Planungskr<span class=\"_ _0\"></span>eislauf wird von der Abteilung Strategisches Risiko-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">management gemeinsam mit dem Gesamtv<span class=\"_ _0\"></span>orstand ge<span class=\"_ _0\"></span>steuert.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Dem Risikomanagement wird in der Ob<span class=\"_ _0\"></span>erbank AG durch die Einrichtung eines effizienten Managements d<span class=\"_ _0\"></span>er einzelnen Risi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">kokomponenten Rechnung getragen. Die Zusa<span class=\"_ _0\"></span>mmenf\u00fchrung der einzelnen Risikoarten a<span class=\"_ _0\"></span>uf ein Gesamtbankrisiko erfolgt als<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Steuerungsgrund<span class=\"_ _0\"></span>lage f\u00fcr das Aktiv-Passiv-Man<span class=\"_ _0\"></span>agement-Komitee (APM-Komitee) durch d<span class=\"_ _0\"></span>ie Abteilung Strategisches Risikoma-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">nagement. Das f\u00fcr den Bereich Risikoman<span class=\"_ _0\"></span>agement zust\u00e4nd<span class=\"_ _0\"></span>ige Vorstandsmitglied leitet dieses Komitee und verf\u00fc<span class=\"_ _0\"></span>gt \u00fcber ein<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Vetorecht bei risikorelevanten Ent<span class=\"_ _0\"></span>scheidungsprozessen. Im Rah<span class=\"_ _0\"></span>men der operativen Planun<span class=\"_ _0\"></span>g nimmt das APM<span class=\"_ _0\"></span>-Komitee eine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">Allokation der vorhandenen E<span class=\"_ _0\"></span>igenmittel nach Chancen<span class=\"_ _0\"></span>-Risiko-Profil der einzelnen Ban<span class=\"_ _0\"></span>kgesch\u00e4ftsfelder vor.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement erf\u00fcllt die Funktion<span class=\"_ _0\"></span> der im Ban<span class=\"_ _0\"></span>kwesengesetz (\u00a7 39 Abs.5 BWG) geforderten<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">zentralen und unabh\u00e4n<span class=\"_ _0\"></span>gigen Risikomanagementeinheit. Die Abt<span class=\"_ _0\"></span>eilung hat einen vollst\u00e4ndigen \u00dcberblick \u00fcber d<span class=\"_ _0\"></span>ie Auspr\u00e4-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">gung der vorhandenen R<span class=\"_ _0\"></span>isikoarten sowie \u00fcber die Risikolage des Kreditinstitut<span class=\"_ _0\"></span>es und misst, ana<span class=\"_ _0\"></span>lysiert, \u00fcberw<span class=\"_ _0\"></span>acht und repor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">tet alle wesentlichen Risiken der Oberb<span class=\"_ _0\"></span>ank AG. Das Reporting erfolgt an den Aufsichtsrat,<span class=\"_ _0\"></span> an den Vorstand, das APM<span class=\"_ _1\"></span>-Komi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">tee sowie an die betroffenen Abteilun<span class=\"_ _0\"></span>gsleiterInnen bzw. MitarbeiterInnen<span class=\"_ _0\"></span>. Die Abteilung ist au\u00dferdem an der A<span class=\"_ _1\"></span>usarbeitung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">der Risikostrategie beteiligt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y12b ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Die Zust\u00e4ndigkeit f\u00fcr d<span class=\"_ _0\"></span>as Risikomanagement aller Tochtergesellschaften und f\u00fc<span class=\"_ _0\"></span>r alle operativen Gesch\u00e4ftseinheiten d<span class=\"_ _0\"></span>er Bank<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">im In- und Ausland liegt zent<span class=\"_ _0\"></span>ral in der Oberbank AG in den f\u00fcr die einzelnen Risikokompon<span class=\"_ _1\"></span>enten zust\u00e4ndigen Abt<span class=\"_ _0\"></span>eilungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">und Gremien.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y130 ff5 fs2 fc2 sc0 ls0 ws0\">Risikobericht an den Aufsichtsrat<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Die Risikostrategie und<span class=\"_ _0\"></span> die verwendeten Risikomessmethoden werden dem Aufsicht<span class=\"_ _0\"></span>srat j\u00e4hrlich berichtet, die Steuerungs<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">und \u00dcberwachungssysteme sowie die akt<span class=\"_ _0\"></span>uelle Risikolage in je<span class=\"_ _0\"></span>der Aufsichtsratssitzun<span class=\"_ _0\"></span>g.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y134 ff5 fs2 fc2 sc0 ls0 ws0\">Internes Kontrollsystem<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Das Interne Kontrollsystem (IKS) der Oberb<span class=\"_ _0\"></span>ank AG <span class=\"_ _0\"></span>entspricht dem international anerkannt<span class=\"_ _0\"></span>en COSO-Standard<span class=\"_ _0\"></span>. Es existieren<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">detaillierte Beschreibungen der IKS-Ab<span class=\"_ _0\"></span>l\u00e4ufe, einheitliche Dokumentat<span class=\"_ _0\"></span>ionen aller risikorelevanten Prozesse der Ban<span class=\"_ _0\"></span>k, der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">identifizierten Risiken und der Kont<span class=\"_ _0\"></span>rollma\u00dfnahmen. Die Verantwortlichkeiten und Rollen in<span class=\"_ _0\"></span> Bezug auf das IKS sind klar defi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">niert. F\u00fcr das IKS erfolgt ein r<span class=\"_ _0\"></span>egelm<span class=\"_ _5\"></span>\u00e4\u00dfiges, mehrst<span class=\"_ _0\"></span>ufiges Reporting \u00fcber<span class=\"_ _0\"></span> Wirksa<span class=\"_ _0\"></span>mkeit und Reifegrad. Kontrollaktivit\u00e4ten wer-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">den dokumentiert und \u00fcb<span class=\"_ _0\"></span>erpr\u00fcft, die IKS-relevanten Risiken werden<span class=\"_ _0\"></span> regelm\u00e4\u00dfig evaluiert und angepasst.<span class=\"_ _0\"></span> D<span class=\"_ _0\"></span>ieser laufende<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Optimierungsprozess tr\u00e4gt<span class=\"_ _0\"></span> zur Qualit\u00e4tssicherung bei. <span class=\"_ _0\"></span>Die Abteilung Interne Revision<span class=\"_ _0\"></span> der Oberban<span class=\"_ _0\"></span>k AG pr\u00fcft in ihrer Funk-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">tion als unabh\u00e4n<span class=\"_ _0\"></span>gige \u00dcberwachungsinstanz das interne Kont<span class=\"_ _0\"></span>rollsystem. Abgepr\u00fcft werden die Wirksamkeit und Angemes-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">senheit des IKS. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">102<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Offenlegung gem\u00e4\u00df Teil 8 Verordnung (EU)<span class=\"_ _0\"></span> Nr. 575/2013 (CRR)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank AG hat a<span class=\"_ _0\"></span>ls Medium f\u00fcr die Offenlegung gem\u00e4\u00df Teil 8 CRR das In<span class=\"_ _0\"></span>ternet gew\u00e4hlt. Die Offenlegung ist au<span class=\"_ _0\"></span>f der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Website der Oberbank A<span class=\"_ _0\"></span>G www.oberbank.at<span class=\"_ _0\"></span> <span class=\"ff9\">(Bereich \u201eInvestor Relations\u201c) abrufbar<span class=\"_ _0\"></span>.</span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y63 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtbankrisikosteuerung<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Den aufsichtsrecht<span class=\"_ _0\"></span>lichen Anforderungen an ein qualitativ hochwertiges Risikomanagement<span class=\"_ _0\"></span>, die sich aus dem ICAAP (Internal<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Capital Adequacy Assessment Process) un<span class=\"_ _0\"></span>d dem ILAAP (Internal Liquidity <span class=\"_ _0\"></span>Adequacy Assessment Process) ergeben, wird in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">der Oberban<span class=\"_ _0\"></span>k AG mittels der Risikotragf\u00e4higkeitsrechnung sowie mittels eines Systems vo<span class=\"_ _0\"></span>n Berichten und Limiten f\u00fc<span class=\"_ _0\"></span>r die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Liquidit\u00e4tssteuerung ent<span class=\"_ _0\"></span>sprochen. Die Grundlage f\u00fcr eine Beurteilung der Risikotragf\u00e4h<span class=\"_ _0\"></span>igkeit der Bank stellt die Quantifizie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">rung der wesentlichen<span class=\"_ _0\"></span> Risiken und der Deckungsmassen d<span class=\"_ _0\"></span>ar. Im Rahmen der Risikotragf\u00e4higkeitsrechnung w<span class=\"_ _0\"></span>erden aus der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">\u00f6konomischen Deckun<span class=\"_ _0\"></span>gsmasse f\u00fcr die sich aus dem Gesch\u00e4ftsmod<span class=\"_ _0\"></span>ell der Oberbank AG ergebenden w<span class=\"_ _0\"></span>esentlichen Bankrisi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">ken ICAAP-Risikolimite abgeleitet. <span class=\"_ _0\"></span>Dies erfolgt f\u00fcr<span class=\"_ _0\"></span> das Kreditrisiko (im Detail werden im Rah<span class=\"_ _0\"></span>men des Kreditrisikos das Adress-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">ausfallrisiko, das Kontrah<span class=\"_ _0\"></span>entenausfallrisiko, das Fremdw\u00e4hrungskreditrisiko,<span class=\"_ _0\"></span> das Risiko einer Anpassung der Kreditbewer-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">tung (CVA<span class=\"_ _0\"></span>-Risiko), das L\u00e4nderrisiko und Kreditrisikokonzentra<span class=\"_ _0\"></span>tionen quantifiziert), f\u00fcr<span class=\"_ _0\"></span> das Marktrisiko im Handelsbuch, das<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Marktrisiko im Bankbuch, d<span class=\"_ _0\"></span>as Liquidit\u00e4tsrisiko, f\u00fcr die Operationellen Risiken sowie f\u00fcr Risiken, d<span class=\"_ _0\"></span>ie aus dem makro\u00f6kono<span class=\"_ _0\"></span>mi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">schen Umfeld erwachsen. <span class=\"_ _0\"></span>Gem\u00e4\u00df den Empfehlungen d<span class=\"_ _0\"></span>er FMA im <span class=\"ffd\">Leitfaden zum<span class=\"_ _0\"></span> Umgang mit Nachhaltigkeitsrisiken<span class=\"_ _0\"></span></span> werden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">die Spezialthemen des Nachhaltigkeitsrisikos in<span class=\"_ _0\"></span> der Risikosteuerung im Rahmen der Prim\u00e4rr<span class=\"_ _0\"></span>isiken abgedeckt. <span class=\"_ _0\"></span>Der Risikoap-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">petit der Oberbank AG ist in d<span class=\"_ _0\"></span>er Risikotragf\u00e4higkeitsrechnung mit 90 % der Risikodeckun<span class=\"_ _0\"></span>gsmasse begrenzt. Die dar\u00fcberhin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">ausgehenden 10% w<span class=\"_ _0\"></span>erden nicht alloziert. Neben der Begrenzung mittels Risikod<span class=\"_ _0\"></span>eckungsmasse werden die w<span class=\"_ _0\"></span>esentlichen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Risiken in der op<span class=\"_ _0\"></span>erativen Risikosteuerung noch \u00fcber Prozesse und Detaillimite gesteuert.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y124 ff5 fs2 fc2 sc0 ls0 ws0\">Anteil der zugeordneten Risikolimits an der gesamten Risikod<span class=\"_ _0\"></span>eckungsmasse<span class=\"_ _0\"></span> </div><div class=\"t m0 x6f h5 y71b ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y91c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y91d ff4 fs2 fc2 sc0 ls0 ws0\">Die Limitausnutzung p<span class=\"_ _0\"></span>er 31.12.2022 betrug 55,3 % (31.12.2021: 52,0 %). D<span class=\"_ _0\"></span>as Limit im Kreditrisiko wurde<span class=\"_ _0\"></span> zu 60,<span class=\"_ _0\"></span>1 %<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y91e ff4 fs2 fc2 sc0 ls0 ws0\">(31.12.2021: 63,4 %), im Marktrisiko Ban<span class=\"_ _0\"></span>kbuch zu 38,4 % (31.12.2021: 26,7 %), im Mar<span class=\"_ _0\"></span>ktrisiko Handelsbuch zu<span class=\"_ _0\"></span> 18,4 %<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y91f ff4 fs2 fc2 sc0 ls0 ws0\">(31.12.2021: 16,0 %), f\u00fcr Makr<span class=\"_ _0\"></span>o\u00f6konomische Risiken zu 56,3 %<span class=\"_ _0\"></span> (31.12.2021: 44,3 %) und im Operation<span class=\"_ _0\"></span>ellen Risiko zu 71,3 %<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y920 ff4 fs2 fc2 sc0 ls0 ws0\">(31.12.2021: 62,9 %) ausgenut<span class=\"_ _0\"></span>zt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y921 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y136 ff5 fs2 fc2 sc0 ls0 ws0\">Auswirkung von Stressszenarien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y922 ff4 fs2 fc2 sc0 ls0 ws0\">Die Risikotragf\u00e4higkeitsrechnu<span class=\"_ _0\"></span>ng wird durch quartalsweise Stresstests erg\u00e4nzt<span class=\"_ _0\"></span>. In diesen werden die Auswirkungen, die sich<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y923 ff4 fs2 fc2 sc0 ls0 ws0\">aus der Verschlechterung d<span class=\"_ _0\"></span>es makro\u00f6konomischen Umfelds ergeben (Verschlechter<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ng der BIP-Wachstumsrat<span class=\"_ _0\"></span>e, Anstieg der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y924 ff4 fs2 fc2 sc0 ls0 ws0\">Arbeitslosenrate und von I<span class=\"_ _0\"></span>nsolvenzen, Kursr\u00fcckgang auf den Aktienm\u00e4rkt<span class=\"_ _0\"></span>en, R\u00fcckgang des Immobilienmarktes und E<span class=\"_ _0\"></span>rh\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y925 ff9 fs2 fc2 sc0 ls0 ws0\">hung von Zinsen<span class=\"_ _0\"></span>,\u2026) ber\u00fccksichtigt. Dies wird z.B. mit erh\u00f6hten Ausfallswahrscheinlichkeiten bei Kredit<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span><span class=\"ff4\">, R\u00fcckg\u00e4ngen d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y926 ff4 fs2 fc2 sc0 ls0 ws0\">Immobilienwerte und einem Anstieg der Mar<span class=\"_ _0\"></span>ktzinsen simuliert. Es wird ein Rezessionsszenario und<span class=\"_ _0\"></span> ein Inflationsszenario<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y145 ff4 fs2 fc2 sc0 ls0 ws0\">gerechnet. Per 31.12.2022 kam es in<span class=\"_ _0\"></span> keinem der Szenarien zu einer \u00dcbersch<span class=\"_ _0\"></span>reitung des Gesamtban<span class=\"_ _0\"></span>klimits. Im Szenario mit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y927 ff4 fs2 fc2 sc0 ls0 ws0\">der h\u00f6chsten quant<span class=\"_ _0\"></span>itativen Auswirkung betrug die Gesamtlimitausnutzu<span class=\"_ _0\"></span>ng 67,6 % (31.12.2021: 63,4 %).<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w13b hb6 gs2e9\"><div class=\"t m0 x8b hb7 y929 ff7 fs8 fc2 sc0 ls0 ws0\">60,0%<span class=\"_ _128\"> </span></div><div class=\"t m0 x36 hb7 y92a ff7 fs8 fc2 sc0 ls0 ws0\">18,9%<span class=\"_ _128\"> </span></div><div class=\"t m0 x2c hb7 y92b ff7 fs8 fc2 sc0 ls0 ws0\">1,1%<span class=\"_ _128\"> </span></div><div class=\"t m0 xf hb7 y92c ff7 fs8 fc2 sc0 ls0 ws0\">6,0%<span class=\"_ _128\"> </span></div><div class=\"t m0 x2d hb7 y92d ff7 fs8 fc2 sc0 ls0 ws0\">4,0%<span class=\"_ _128\"> </span></div><div class=\"t m0 xb1 hb7 y92e ff7 fs8 fc2 sc0 ls0 ws0\">10,0%<span class=\"_ _128\"> </span></div><div class=\"t m0 x106 hb7 y92f ff7 fs8 fc2 sc0 ls0 ws0\">Kreditrisiko<span class=\"_ _128\"> </span></div><div class=\"t m0 x106 hb7 y930 ff7 fs8 fc2 sc0 ls0 ws0\">Marktrisiko Bankbuch<span class=\"_ _128\"> </span></div><div class=\"t m0 x106 hb7 y931 ff7 fs8 fc2 sc0 ls0 ws0\">Marktrisiko Handelsbuch<span class=\"_ _128\"> </span></div><div class=\"t m0 x106 hb7 y932 ff7 fs8 fc2 sc0 ls0 ws0\">Makro\u00f6konomisches Risiko<span class=\"_ _128\"> </span></div><div class=\"t m0 x106 hb7 y933 ff7 fs8 fc2 sc0 ls0 ws0\">Operationelles Risiko<span class=\"_ _128\"> </span></div><div class=\"t m0 x106 hb7 y934 ff7 fs8 fc2 sc0 ls0 ws0\">Risikopuffer<span class=\"_ _128\"> </span></div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">103<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Zust\u00e4ndigkeiten f\u00fcr das Management der einzelnen Risikokat<span class=\"_ _0\"></span>egorien<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y61 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr das Management d<span class=\"_ _0\"></span>es Kreditrisikos ist die Abteilung <span class=\"_ _0\"></span>Kredit-Management zust\u00e4ndig. Sie ist vo<span class=\"_ _0\"></span>m Vertrieb getrennt, sodass<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">die Risikobewertung und <span class=\"_ _0\"></span>-entscheidung in jeder Phase des Kreditprozesses bis hin<span class=\"_ _0\"></span> zur Vorstandsebene unabh\u00e4n<span class=\"_ _0\"></span>gig vom Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">trieb gew\u00e4hrleistet sind.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y66 ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungsrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Der Gesamtvorstand ist f\u00fc<span class=\"_ _0\"></span>r die Investitionsentscheidung, o<span class=\"_ _0\"></span>rdnungsgem\u00e4\u00dfe Organisation und<span class=\"_ _0\"></span> \u00dcberwachung des Beteiligungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">managements verantwortlich. Die Ab<span class=\"_ _0\"></span>teilung Sekretariat &amp; Kommunikation<span class=\"_ _0\"></span> ist f\u00fcr das operative Beteiligungsmanagement<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">verantwortlich. Kreditsubst<span class=\"_ _0\"></span>ituierende Beteiligungen unt<span class=\"_ _0\"></span>erliegen dem Kreditprozess.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11b ff5 fs2 fc2 sc0 ls0 ws0\">Marktrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Das Management d<span class=\"_ _0\"></span>er Marktrisiken ist in der Oberbank AG auf zwei Kompetenztr\u00e4ger au<span class=\"_ _0\"></span>fgeteilt, die diese im Rahmen der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">ihnen zugewiesenen Risikolimite selbst\u00e4n<span class=\"_ _0\"></span>dig gestionieren.  </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist zust\u00e4ndig f\u00fcr d<span class=\"_ _0\"></span>as Devisenkursrisiko f\u00fcr den gesamten Oberbank<span class=\"_ _0\"></span>-Konzern, f\u00fcr d<span class=\"_ _0\"></span>as Markt-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">risiko im Handelsbuch und<span class=\"_ _0\"></span> f\u00fcr das Zinsrisiko des Geldh<span class=\"_ _0\"></span>andels. Das Aktiv<span class=\"_ _0\"></span>-Passiv-Managementkomitee ist f\u00fcr die  </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Marktrisiken im Bankbu<span class=\"_ _0\"></span>ch zust\u00e4ndig.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y122 ff5 fs2 fc2 sc0 ls0 ws0\">Operationelles Risiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">In der Oberbank AG <span class=\"_ _0\"></span>ist ein Gremium f\u00fcr das Management des Operationellen Risikos inst<span class=\"_ _0\"></span>alliert. Dieses Gremium steuert den<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">Managementpro<span class=\"_ _0\"></span>zess der Operationellen Risiken und ist f\u00fcr seine Weiterentwicklung bzw<span class=\"_ _0\"></span>. f\u00fcr die Adaptierung <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">entsprechend<span class=\"_ _0\"></span>er Methoden verantwortlich. Das op<span class=\"_ _0\"></span>erative Risikomanagement von Operationellen Risiken wird v<span class=\"_ _0\"></span>on den jewei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">ligen operativ t\u00e4tigen Abteilungen u<span class=\"_ _0\"></span>nd regionalen Vertriebseinheiten (Risk T<span class=\"_ _0\"></span>aking Units) durchgef\u00fchrt, die f\u00fcr das Operat<span class=\"_ _0\"></span>io-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">nelle Risiko der in ihr<span class=\"_ _0\"></span>en Zust\u00e4ndigkeitsbereich fallenden Prod<span class=\"_ _0\"></span>ukte und Prozesse verantwortlich sin<span class=\"_ _0\"></span>d.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y129 ff5 fs2 fc2 sc0 ls0 ws0\">Liquidit\u00e4tsrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Das Management d<span class=\"_ _0\"></span>er langfristigen bzw. strategischen Liquidit\u00e4t erfolgt durch das A<span class=\"_ _0\"></span>PM<span class=\"_ _0\"></span>-Komitee. F\u00fcr die kurzfrist<span class=\"_ _0\"></span>ige Liquidi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">t\u00e4tssteuerung ist die Abteilung Treas<span class=\"_ _0\"></span>ury &amp; Handel zust\u00e4nd<span class=\"_ _0\"></span>ig.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y12d ff5 fs2 fc2 sc0 ls0 ws0\">Risikokonzentration<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Risikokonzentrationen<span class=\"_ _0\"></span> begr\u00fcnden ein Konzentrationsrisiko, wenn sie das Potenzial hab<span class=\"_ _0\"></span>en, Verluste zu produzieren, die gro\u00df<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">genug sind, um die Stabilit\u00e4t<span class=\"_ _0\"></span> eines Instituts zu gef\u00e4hrden oder eine wesentliche \u00c4nderu<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>g im Risikoprofil zu bew<span class=\"_ _0\"></span>irken. Es<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">werden zwei Arten von Risikokonzent<span class=\"_ _0\"></span>rationen unterschieden:<span class=\"_ _0\"></span> </div><div class=\"t m0 x32 ha y132 ff9 fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _77\"> </span><span class=\"ff4\">Inter-Risikokonzentrat<span class=\"_ _0\"></span>ionen beziehen sich auf Risikokonzentrationen<span class=\"_ _0\"></span>, die sich aus dem Gleichlauf von Risiken ver-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x67 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">schiedener Risikokategorien ergeben k\u00f6<span class=\"_ _0\"></span>nnen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 xb8 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">Mittels Szenarioanalys<span class=\"_ _0\"></span>en wird viertelj\u00e4hrlich im Rahmen der Risikotragf\u00e4higkeitsrechnung die Sensitivit\u00e4t d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div><div class=\"t m0 xb8 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank AG auf Inter<span class=\"_ _0\"></span>-Konzentrationsrisiken gepr\u00fcft.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x32 ha y4c0 ff9 fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _77\"> </span><span class=\"ff4\">Intra-Risikokonzent<span class=\"_ _0\"></span>rationen beziehen sich auf Risikokonzentrationen, die innerh<span class=\"_ _0\"></span>alb einer einzelnen R<span class=\"_ _0\"></span>isikokategorie<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x67 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">entstehen k\u00f6nnen<span class=\"_ _0\"></span>. Konzentrationen k\u00f6nnen in allen Risikoarten auftreten. D<span class=\"_ _0\"></span>ie Zust\u00e4ndigkeiten f\u00fcr das Intra<span class=\"_ _1\"></span>-Kon-<span class=\"_ _128\"> </span></div><div class=\"t m0 x67 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">zentrationsrisiko liegen dah<span class=\"_ _0\"></span>er bei den jeweils f\u00fcr die einzelnen Risikoarten verantwortlichen Einheiten.<span class=\"_ _0\"></span> </div><div class=\"t m0 xb8 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Das Intra-Konzentrat<span class=\"_ _0\"></span>ionsrisiko ist aufgrund des Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dells der Oberbank AG vor allem im Bereich des <span class=\"_ _0\"></span> </div><div class=\"t m0 xb8 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisikos bedeutend<span class=\"_ _0\"></span>. Es ergibt sich dadurch, dass einzelne Forderungen einen hohen A<span class=\"_ _0\"></span>nteil an den <span class=\"_ _0\"></span> </div><div class=\"t m0 xb8 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtforderungen hab<span class=\"_ _0\"></span>en oder Forderungen eine \u00fcberdurchschnitt<span class=\"_ _0\"></span>liche Korre<span class=\"_ _0\"></span>lation aufweisen (Konzentr<span class=\"_ _0\"></span>ation in<span class=\"_ _128\"> </span> </div><div class=\"t m0 xb8 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungsklassen, Gesch\u00e4ftssegmenten, Bran<span class=\"_ _0\"></span>chen, L\u00e4ndern, Kund<span class=\"_ _0\"></span>engruppen etc.). Im Rahmen der Risikot<span class=\"_ _0\"></span>ragf\u00e4-<span class=\"_ _128\"> </span></div><div class=\"t m0 xb8 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">higkeitsrechnung w<span class=\"_ _0\"></span>ird das Intra-Konzentrat<span class=\"_ _0\"></span>ionsrisiko innerhalb des Kreditrisikos ber\u00fccksichtigt. Die Steuerung der<span class=\"_ _128\"> </span> </div><div class=\"t m0 xb8 h5 y4c8 ff4 fs2 fc2 sc0 ls0 ws0\">Konzentrationsrisiken im Kreditrisiko erfolgt \u00fc<span class=\"_ _0\"></span>ber L\u00e4nderlimits, Gro\u00dfkreditgrenzen und Port<span class=\"_ _0\"></span>foliolimits.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y7c3 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">104<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Die Festlegung der individu<span class=\"_ _0\"></span>ellen L\u00e4nderlimits basiert auf dem Rating u<span class=\"_ _0\"></span>nd der Wirtschaftskraft des Landes sowie der <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Expertise der Oberbank AG, die sich <span class=\"_ _0\"></span>aus d<span class=\"_ _0\"></span>er Abwicklung von Kundengesch\u00e4ften mit d<span class=\"_ _0\"></span>em jeweiligen Land ergibt. Die Limits<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr das operative Gesch\u00e4ft werden au<span class=\"_ _0\"></span>f einzelne Produktkategorien heruntergebrochen. D<span class=\"_ _0\"></span>ie Einhaltung der einzelnen Limits<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">wird mittels eines Limitsystems auto<span class=\"_ _0\"></span>matisiert \u00fcberwacht.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Portfoliolimits werden au\u00dferd<span class=\"_ _0\"></span>em im Bereich der Fremdw\u00e4hrungsfinanzierungen gesetzt.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Der Anteil der zehn gr\u00f6\u00dften Kr<span class=\"_ _0\"></span>editnehmer (Gruppe verbundener Kunden) an d<span class=\"_ _0\"></span>en Krediten und Forderungen sowie <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">festverzinslichen Wertpapieren betru<span class=\"_ _0\"></span>g 18,61 % (Vorjahr: 25,0<span class=\"_ _0\"></span>0 %). Von den 18,61 % entfallen ca. 82 %<span class=\"_ _0\"></span> (Vorjahr: 88 %) au<span class=\"_ _0\"></span>f<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an den<span class=\"_ _0\"></span> \u00f6ffentlichen Sektor im Heimmarkt der Oberbank AG.<span class=\"_ _0\"></span> Der R\u00fcckgang resultiert aus der dem gesunkenen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Volumen der Veran<span class=\"_ _0\"></span>lagung der \u00dcberliquidit\u00e4t bei den Nationalbanken.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Die Konzentration<span class=\"_ _0\"></span>en nach L\u00e4ndern und Branchen sp<span class=\"_ _0\"></span>iegeln die Risiko- un<span class=\"_ _0\"></span>d Gesch\u00e4ftsstrategie als regional verwurzelte <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Universalbank wider und k\u00f6nnen<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> wie auch w<span class=\"_ _0\"></span>eitere quantitative Informationen zum Kon<span class=\"_ _0\"></span>zentrationsrisiko <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> den Tabellen in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Note 43) entnommen w<span class=\"_ _0\"></span>erden. Das Volumen d<span class=\"_ _0\"></span>er gesamten Gro\u00dfveranlagungen lag w\u00e4hrend des Berichtszeitraumes w<span class=\"_ _0\"></span>eit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">unter der aufsichtsrechtlichen Obergrenze.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11d ff5 fs2 fc2 sc0 ls0 ws0\">43) Kreditrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Als Kreditrisiko wird das Risiko verstanden<span class=\"_ _0\"></span>, dass ein Kreditnehmer den vertragsgem\u00e4\u00dfen Zahlun<span class=\"_ _0\"></span>gen nicht oder nur teilweise<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">nachkommt. Das Kreditrisiko <span class=\"_ _0\"></span>aus Forderungen an Banken, L\u00e4ndern sow<span class=\"_ _0\"></span>ie Privat<span class=\"_ _0\"></span>- und Firmenkunden s<span class=\"_ _0\"></span>tellt die wesentlichste<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Risikokomponente im Oberb<span class=\"_ _0\"></span>ank-Konzern dar. Die Risikosteuerun<span class=\"_ _0\"></span>g des Kreditmanagements umfasst Adressau<span class=\"_ _0\"></span>sfall<span class=\"_ _0\"></span>- sowie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Kontrahentenrisiken, L\u00e4nd<span class=\"_ _0\"></span>errisiken, das Fremdw\u00e4hrungskreditrisiko, das Risiko einer Anpassung der Kreditb<span class=\"_ _0\"></span>ewertung (CVA<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Risiko) sowie Konzentr<span class=\"_ _0\"></span>ationsrisiken. Die Oberbank A<span class=\"_ _0\"></span>G hat keine Gesch\u00e4fte aus dem Bereich Verbr<span class=\"_ _0\"></span>iefungen im Portfolio.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y124 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikostrategie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Die Strategie im Kreditgesch\u00e4ft ist getragen v<span class=\"_ _0\"></span>om Regionalit\u00e4tsprinzip, der Sitz der Kredit<span class=\"_ _0\"></span>kunden befindet sich in den durch<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">das Filialnetz abgedeckten Regi<span class=\"_ _0\"></span>onen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">Der Fokus liegt vorwiegend auf der Finan<span class=\"_ _0\"></span>zierung der Industrie und des wirtschaft<span class=\"_ _0\"></span>lichen Mittelstandes. Die operat<span class=\"_ _0\"></span>iven Risiko-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">ziele werden zumindest j\u00e4hr<span class=\"_ _0\"></span>lich im Zuge der Budgetierung und im Anlassfall nach A<span class=\"_ _0\"></span>nalyse der gesch\u00e4ftspolitischen Au<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">gangssituat<span class=\"_ _0\"></span>ion sowie der aktuellen Entwicklung von der Gesch\u00e4ftsleitun<span class=\"_ _0\"></span>g mit der Leitung Kredit<span class=\"_ _0\"></span>-Management festgelegt. Das<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">Volumen der Fremdw\u00e4hrungskredite ist mit<span class=\"_ _0\"></span> 5% der gesamten Forderungen an<span class=\"_ _0\"></span> Kunden bzw. 7% der Privatkredite beschr\u00e4nkt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Die Neuvergabe von Fremdw<span class=\"_ _0\"></span>\u00e4hrungskrediten an Konsumenten erfolgt gem\u00e4\u00df den st<span class=\"_ _0\"></span>rengen Bestimmungen der FMA Min-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">deststandards vo<span class=\"_ _0\"></span>m Juni 2017. Die Ausrichtung der Organisation ist kon<span class=\"_ _0\"></span>form mit den Mindeststandards f\u00fcr das Kreditge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ft.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y12f ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y130 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditentscheidungsprozess  </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Klar definierte Aufgaben<span class=\"_ _0\"></span>zuweisungen gew\u00e4hrleisten eind<span class=\"_ _0\"></span>eutige Zust\u00e4ndigkeiten, standardisieren die Ar<span class=\"_ _0\"></span>beitsabl\u00e4ufe, <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">vermeiden Doppelgleisigkeiten un<span class=\"_ _0\"></span>d stellen somit einen reibungslosen Ab<span class=\"_ _0\"></span>lauf der Kreditantragsbewilligung sicher. Der <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Prozess der Kreditgew\u00e4hrung umfasst alle Arb<span class=\"_ _0\"></span>eits<span class=\"_ _0\"></span>abl\u00e4ufe, die bis zur Auszahlun<span class=\"_ _0\"></span>g des Kredits oder Einrichtung einer Linie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">erforderlich sind. Diese Prozesse werden u<span class=\"_ _0\"></span>nter Beachtung der Risikostrat<span class=\"_ _0\"></span>egie in standardisierten Verfahren abgewickelt.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4c0 ff5 fs2 fc2 sc0 ls0 ws0\">Internes Rating und Bonit\u00e4tsbeurteilung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Um ein effektives Kreditrisikoman<span class=\"_ _0\"></span>agement und in diesem Sinne eine faire, risikoad<span class=\"_ _0\"></span>\u00e4quate Konditionen<span class=\"_ _0\"></span>gestaltung in einer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">Bank etablieren zu k\u00f6nn<span class=\"_ _0\"></span>en, bedarf es eines leistungsf\u00e4higen Systems zur Bo<span class=\"_ _0\"></span>nit\u00e4tsbeurteilung. Die Oberbank AG betr<span class=\"_ _0\"></span>achtet<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">den Bonit\u00e4tsbeurteilun<span class=\"_ _0\"></span>gsprozess als eine ihrer Kernkomp<span class=\"_ _0\"></span>etenzen. Im Firmenkundengesch\u00e4ft kommt ein mit st<span class=\"_ _0\"></span>atistischen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Methoden entw<span class=\"_ _0\"></span>ickeltes Ratingsystem zur Anwendung. Gleiches gilt f\u00fcr das Bestand<span class=\"_ _0\"></span>srating im Privatkundengesch\u00e4ft sowie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr das Antragsrating im Privatkundengesch\u00e4ft in<span class=\"_ _0\"></span> \u00d6sterreich un<span class=\"_ _0\"></span>d Deutschland.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">Es gibt unterschiedliche Verfahren zur<span class=\"_ _0\"></span> Bonit\u00e4tsbeurteilung im Firmenbereich (Ratingver<span class=\"_ _0\"></span>fahren) und im Privatbereich <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">(Scoringverfahren). Die Rat<span class=\"_ _0\"></span>ingverfahren ermitteln ein Hard<span class=\"_ _0\"></span>-Facts Ratin<span class=\"_ _0\"></span>g (basierend auf aktuell verf\u00fcgbaren Bilanzen sowie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c8 ff4 fs2 fc2 sc0 ls0 ws0\">einer Bilanzprogno<span class=\"_ _0\"></span>se) und ein Soft-Facts Rating (qualitat<span class=\"_ _0\"></span>ive Informationen wie Produkte, Markt etc.). Zu<span class=\"_ _0\"></span>sammen mit Warni-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y7c3 ff4 fs2 fc2 sc0 ls0 ws0\">ndikatoren und Kontod<span class=\"_ _0\"></span>aten wird das finale Ratingergebnis ermittelt.<span class=\"_ _128\"> </span></div></div>Konzernabschluss<span class=\"_ _0\"></span> 105<span class=\"ls0\"> </span>Die Scoringverfahren setzen sich f\u00fcr<span class=\"_ _0\"></span> neue Privatkunden aus einem Antrag<span class=\"_ _1\"></span>sscoring (Negativinfos, Einkommen und<span class=\"_ _0\"></span> Struktur-<span class=\"_ _128\"> </span>daten) und f\u00fcr Best<span class=\"_ _0\"></span>andskunden aus einem automatisierten Folgescoring (Konto<span class=\"_ _0\"></span>verhalten, Einkommen und Strukturdat<span class=\"_ _0\"></span>en)<span class=\"_ _128\"> </span> zusammen. Die Rating- u<span class=\"_ _0\"></span>nd Scoringverfahren ermitteln eine gesch\u00e4tzte Au<span class=\"_ _0\"></span>sfallwahrscheinlichkeit <span class=\"_ _0\"></span>pro Kund<span class=\"_ _0\"></span>e. Diese Ausfall-<span class=\"_ _128\"> </span>wahrscheinlichkeit wird au<span class=\"_ _0\"></span>f eine Masterskala gemappt. Somit ist sichergestellt, das<span class=\"_ _0\"></span>s eine bestimmte Ratingnote, die aus ver-<span class=\"_ _128\"> </span>schiedenen Ratingverfahr<span class=\"_ _0\"></span>en resultiert, dieselbe Ausfallwahrscheinlichkeit darstellt. <span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>ie Bonit\u00e4tsbeurteilung <span class=\"_ _0\"></span>von Banken und<span class=\"_ _128\"> </span> L\u00e4ndern sowie die damit v<span class=\"_ _0\"></span>erbundene Festlegung von Limiten erfolgt a<span class=\"_ _0\"></span>uf Basis externer Ratings und Bilan<span class=\"_ _0\"></span>zanalysen von Ban-<span class=\"_ _128\"> </span>ken, kombiniert mit qualitativen Kriterien.<span class=\"_ _0\"></span> Die Ratingverfahren werden<span class=\"_ _0\"></span> j\u00e4hrlich validiert. Die resultierenden Erkenntn<span class=\"_ _0\"></span>isse<span class=\"_ _0\"></span> werden laufend zur Weiterentwicklung u<span class=\"_ _0\"></span>nd<span class=\"_ _128\"> </span> Verbesserung der R<span class=\"_ _0\"></span>atingverfahren verwendet. Der Ratingprozess wird b<span class=\"_ _0\"></span>ei Kreditvergabe und in weiterer Folge zumindest<span class=\"_ _128\"> </span> einmal j\u00e4hrlich durch<span class=\"_ _0\"></span>gef\u00fchrt. Die Kompetenz zur Freigabe der Ratin<span class=\"_ _0\"></span>gs wird durch die Abteilung Kre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>-Management wahrge-<span class=\"_ _128\"> </span>nommen. Zwischen d<span class=\"_ _0\"></span>er Einstufung im Risikoklassifizierungsverfah<span class=\"_ _0\"></span>ren und der Kondition<span class=\"_ _0\"></span>engestaltung besteht ein sachlich<span class=\"_ _128\"> </span> nachvollziehbarer Zu<span class=\"_ _0\"></span>sammenhang (risikoorientierte Konditionenp<span class=\"_ _0\"></span>olitik), der mittels automatisierter Prozesse unterst\u00fct<span class=\"_ _1\"></span>zt<span class=\"_ _128\"> </span> wird.<span class=\"_ _128\"> </span> Risikosteuerung und Controlling<span class=\"_ _0\"></span> <span class=\"_ _78\"> </span> Die operative Steuerung des Kreditp<span class=\"_ _0\"></span>ortfolios erfolgt haupts\u00e4chlich auf Basis der Unterd<span class=\"_ _0\"></span>eckungen je Ratingstufe. Die <span class=\"_ _0\"></span> Unterdeckungen werden ab d<span class=\"_ _0\"></span>er Ratingstufe 4a auf Einzelkundenbasis im Rahmen des j\u00e4hrlichen Bu<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>tieru<span class=\"_ _0\"></span>ngskreislaufes<span class=\"_ _128\"> </span> geplant und es wird mon<span class=\"_ _0\"></span>atlich je Gesch\u00e4ftsstelle die Abweichung vom Sollwert<span class=\"_ _0\"></span> ermittelt. Das laufende Controlling erfolgt<span class=\"_ _128\"> </span> \u00fcber das IT-<span class=\"ff9\">Risikocockpit<span class=\"_ _0\"></span> \u201eROSI\u201c (Risikoorientierte Steuerungsin<span class=\"_ _0\"></span>strumente), das den im Kreditpr<span class=\"_ _0\"></span>ozess beteiligten St<span class=\"_ _0\"></span></span>ellen<span class=\"_ _128\"> </span> quantitative und qualitat<span class=\"_ _0\"></span>ive Informationen zum Kreditgesch\u00e4ft laufend<span class=\"_ _0\"></span> zur Verf\u00fcgung stellt. Der Risikovorsorgebedarf wird<span class=\"_ _128\"> </span> monatlich ermittelt und in d<span class=\"_ _0\"></span>er Ergebnisvorschau aktualisiert. Die N\u00e4he zu d<span class=\"_ _0\"></span>en KundInnen wird in d<span class=\"_ _0\"></span>er Oberbank AG generell<span class=\"_ _128\"> </span> gro\u00dfgeschrieben. Die Er<span class=\"_ _0\"></span>gebnisse aus tourlichen pers\u00f6nlichen Gespr\u00e4chen<span class=\"_ _0\"></span> mit den KundInnen sowie Kampagn<span class=\"_ _0\"></span>en, die aus<span class=\"_ _128\"> </span> aktuellen Anl\u00e4ssen r<span class=\"_ _0\"></span>esultieren (COVID-19, Gasabh\u00e4n<span class=\"_ _0\"></span>gigkeit) flie\u00dfen in das Rating ein (in die Hard<span class=\"_ _0\"></span> Facts Prognosen, in die Soft<span class=\"_ _128\"> </span> Facts und in die Fr\u00fchw<span class=\"_ _0\"></span>arnindikatoren). Die Frequenz d<span class=\"_ _0\"></span>ieser Check-Gespr\u00e4che wird in Krisen<span class=\"_ _0\"></span>jahren erh\u00f6ht. Au<span class=\"_ _0\"></span>fgrund der ge-<span class=\"_ _128\"> </span>genw\u00e4rtigen Auswirkungen d<span class=\"_ _0\"></span>es Krieges in der Ukraine und der damit<span class=\"_ _0\"></span> einhergehenden Energiekrise w<span class=\"_ _0\"></span>urde eine gro\u00dfange-<span class=\"_ _128\"> </span>legte Kampagne mit diesen Check<span class=\"_ _0\"></span>-Gespr\u00e4chen dur<span class=\"_ _0\"></span>chgef\u00fchrt. Die aktuelle Gesch\u00e4ftssitu<span class=\"_ _0\"></span>ation unserer KundInn<span class=\"_ _0\"></span>en wird somit<span class=\"_ _128\"> </span> sehr schnell in der Bonit\u00e4tsbeu<span class=\"_ _0\"></span>rteilung ber\u00fccksichtigt.<span class=\"_ _0\"></span>  Darstellung des Portfolios<span class=\"_ _128\"> </span> Das Kreditrisikovolumen setzt<span class=\"_ _0\"></span> sich aus den in<span class=\"_ _0\"></span> der Bilanzposition Barreserve enthaltenen Forderungen an<span class=\"_ _0\"></span> Nationalbanken<span class=\"_ _128\"> </span> und den Bilanzpo<span class=\"_ _0\"></span>sitionen Forderungen an Kreditin<span class=\"_ _0\"></span>stitute, Forderungen an Kunden, den festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> Finanzanlagen, den Kr<span class=\"_ _0\"></span>editrisiken aus Derivaten und E<span class=\"_ _0\"></span>ventualverbindlichkeiten einschlie\u00dflich nicht<span class=\"_ _0\"></span> ausgen\u00fctzter Kreditrah-<span class=\"_ _128\"> </span>men sowie den Operat<span class=\"_ _0\"></span>ing Leasing Forderungen des gesamten Oberbank A<span class=\"_ _0\"></span>G Konzerns zusammen und wird brutto, d.h. vor<span class=\"_ _128\"> </span> Abzug der Risikovorsorgen dar<span class=\"_ _0\"></span>gestellt. Um ein m\u00f6glichst aktuelles Bild der <span class=\"_ _0\"></span>Risikosit<span class=\"_ _0\"></span>uation der Bank wiederzugeben, werden<span class=\"_ _128\"> </span> auch die Positionen au<span class=\"_ _0\"></span>s dem Leasing-Teilkonzern per 31.12.2022 d<span class=\"_ _0\"></span>argestellt, w\u00e4hrend im Konzernabschluss <span class=\"_ _0\"></span>der Einbezug mit<span class=\"_ _128\"> </span> Zahlen zum 30.9.2022 erfolgt. <table class=\"s w3ec h1ec\" id=\"_d2b61aa7-75bf-42f4-862c-f5785df8330f\"><tr><td></td><td class=\"c x2f1 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td><td class=\"c x2f2 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1599 w13d h3a\"><div class=\"t m0 x90 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div></td><td class=\"c x2f3 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f4 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y159b w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kredite und Forderungen </div></td><td class=\"c x1e1 y159b w13e h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.503.848 </div></td><td class=\"c x2f5 y159b w13f h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.574.646 </div></td></tr><tr><td class=\"c x1dc y159c w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche Wertpap<span class=\"_ _0\"></span>iere  </div></td><td class=\"c x1e1 y159c w13e h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.088.027 </div></td><td class=\"c x2f5 y159c w13f h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.654.997 </div></td></tr><tr><td class=\"c x1dc y159d w13d h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _0\"></span> und Eventualverbindlichkeiten  </div></td><td class=\"c x1e1 y159d w13e h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.211.812 </div></td><td class=\"c x2f5 y159d w13f h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.074.169 </div></td></tr><tr><td class=\"c x1dc y159e w13d h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x1e1 y159e w13e h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td><td class=\"c x2f5 y159e w13f h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Der R\u00fcckgang bei den \u201eKred<span class=\"_ _0\"></span>iten und Forderungen\u201c resultiert aus dem star<span class=\"_ _0\"></span>ken R\u00fcckgang der Veranlagung der \u00dcberliqu<span class=\"_ _0\"></span>idit\u00e4t<span class=\"_ _128\"> </span> bei Nationalbanken (<span class=\"_ _0\"></span>- 2,0 Mrd. EUR) haupts\u00e4chlich in Folge einer T<span class=\"_ _0\"></span>eilr\u00fcckzahlung eines TLTRO in der H\u00f6h<span class=\"_ _0\"></span>e von 1,5 Mrd. <span class=\"_ _0\"></span>EUR.<span class=\"_ _128\"> </span> Zum Teil wurde dieser R\u00fcckgang d<span class=\"_ _0\"></span>urch das Wachstum d<span class=\"_ _0\"></span>er Forderungen an Kunden (+ 0,8 Mrd. EU<span class=\"_ _0\"></span>R) und Forderungen an<span class=\"_ _128\"> </span> Banken (+ 0,2 Mrd<span class=\"_ _0\"></span>. EUR) kompensiert.<span class=\"_ _128\"> </span> Nach Ende der Niedr<span class=\"_ _0\"></span>igzinsphase wurde im Jahr 2022 wieder verst\u00e4rkt in hochliquid<span class=\"_ _0\"></span>e Wertpapiere investie<span class=\"_ _0\"></span>rt. D<span class=\"_ _0\"></span>ies f\u00fchrte bei<span class=\"_ _128\"> </span> den festverzinslichen Wertpap<span class=\"_ _0\"></span>ieren zu einem Anstieg von 0,4 Mrd. EUR.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Konzernabschluss<span class=\"_ _0\"></span> 106<span class=\"ls0\"> </span>Verteilung nach Bonit\u00e4tsstufen<span class=\"_ _0\"></span> In der Bonit\u00e4tsstu<span class=\"_ _0\"></span>fe \u201eSehr gut\u201c (entspricht einer PD<span class=\"_ _0\"></span><span class=\"ff4\">-Bandbreite von 0,00% <span class=\"_ _0\"></span>- 0,39%) befinden sich die Ratingklassen AA,<span class=\"_ _0\"></span> A1,<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span>1a und <span class=\"_ _0\"></span><span class=\"ff9\">1b, in der Stufe \u201eGut\u201c (entspricht einer PD<span class=\"_ _0\"></span></span>-Bandbreite von 0,4% <span class=\"_ _0\"></span>- 3,49%) die Ratingklassen 2a, 2b, 3a und<span class=\"_ _0\"></span> 3b und in<span class=\"_ _128\"> </span> der Stufe \u201eMangelhaft<span class=\"_ _0\"></span>\u201c (entspricht einer PD<span class=\"_ _0\"></span><span class=\"ff4\">-Bandbreite von 3,5% - </span>99,9%) d<span class=\"_ _0\"></span>ie Ratingklassen 4a und 4b. In<span class=\"_ _0\"></span> der Stufe \u201enon<span class=\"_ _0\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span>performing\u201c befinden<span class=\"_ _0\"></span><span class=\"ff4\"> sich jene Kreditrisikovolumina, f\u00fcr die ein Au<span class=\"_ _0\"></span>sfallkriterium im Sinne der CRR II zutrifft: Die Ratingklasse<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span>5a beinhaltet jene Kred<span class=\"_ _0\"></span>itrisikovolumina, die noch nicht in Abwicklung sind<span class=\"_ _0\"></span>. Die Kreditrisikovolumina in den Ratingklassen 5b<span class=\"_ _0\"></span> und 5c werden bereits b<span class=\"_ _0\"></span>etrieben. Das gesamte non<span class=\"_ _0\"></span>-performing Kreditrisikovolumen beinhaltet wegen des hoh<span class=\"_ _0\"></span>en Besiche-<span class=\"_ _128\"> </span>rungsgrades einen Betrag von 79,4 M<span class=\"_ _0\"></span>io. Euro (Vorjahr 40,9 Mio. Eu<span class=\"_ _0\"></span>ro) an nicht wertgemindertem Kreditrisikovolu<span class=\"_ _0\"></span>men.<span class=\"_ _0\"></span> <table class=\"s w3ee h1ee\" id=\"_5ed34ed4-b5f5-414f-842a-024de4a61eb0\"><tr><td class=\"c x178 y159f w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y159f w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y159f w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15a0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15a1 w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15a1 w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15a1 w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15a2 w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15a3 w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15a4 w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15a5 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15a5 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.955.866 </div></td><td class=\"c x2ff y15a5 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.028.476 </div></td><td class=\"c x300 y15a5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.412.004 </div></td><td class=\"c x2fc y15a5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.396.346 </div></td></tr><tr><td class=\"c x1dc y15a6 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15a6 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.579.314 </div></td><td class=\"c x2ff y15a6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.250 </div></td><td class=\"c x300 y15a6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.713.917 </div></td><td class=\"c x2fc y15a6 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.352.481 </div></td></tr><tr><td class=\"c x1dc y15a7 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15a7 w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">447.970 </div></td><td class=\"c x2ff y15a7 w143 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a7 w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.263 </div></td><td class=\"c x2fc y15a7 w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">504.533 </div></td></tr><tr><td class=\"c x1dc y15a8 w141 h38\"><div class=\"t m0 x90 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15a8 w142 h38\"><div class=\"t m0 xf h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">520.699 </div></td><td></td><td class=\"c x300 y15a8 w144 h38\"><div class=\"t m0 x109 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">29.628 </div></td><td class=\"c x2fc y15a8 w145 h38\"><div class=\"t m0 x2e h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">550.328 </div></td></tr><tr><td class=\"c x1dc y15a9 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15a9 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15a9 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a9 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15a9 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15aa w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15aa w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15aa w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15ab w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15ac w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15ac w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15ac w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15ad w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15ae w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15af w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b0 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15b0 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.692.500 </div></td><td class=\"c x2ff y15b0 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.584.251 </div></td><td class=\"c x300 y15b0 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.197.267 </div></td><td class=\"c x2fc y15b0 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.474.018 </div></td></tr><tr><td class=\"c x1dc y15b1 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15b1 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.900.852 </div></td><td class=\"c x2ff y15b1 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">70.446 </div></td><td class=\"c x300 y15b1 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.750.412 </div></td><td class=\"c x2fc y15b1 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.721.709 </div></td></tr><tr><td class=\"c x1dc y15b2 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15b2 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">597.510 </div></td><td class=\"c x2ff y15b2 w143 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b2 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.031 </div></td><td class=\"c x2fc y15b2 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">691.841 </div></td></tr><tr><td class=\"c x1dc y15b3 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15b3 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">383.784 </div></td><td></td><td class=\"c x300 y15b3 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32.460 </div></td><td class=\"c x2fc y15b3 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.244 </div></td></tr><tr><td class=\"c x1dc y15b4 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15b4 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15b4 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b4 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15b4 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Verteilung nach Regionen<span class=\"_ _128\"> </span> Die geografische Darstellung des Kred<span class=\"_ _0\"></span>itrisikovolumens erfolgt nach dem Sitzland d<span class=\"_ _0\"></span>er SchuldnerInnen. Die folgenden T<span class=\"_ _0\"></span>abellen<span class=\"_ _128\"> </span> zeigen das Kreditrisikovolumen per 31.12.2022 u<span class=\"_ _0\"></span>nd 31.12.2021 nach Oberb<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>-M\u00e4rkten und anderen Regionen.<span class=\"_ _0\"></span> <table class=\"s w3ee h1ef\" id=\"_0279eed4-b7fe-4a0d-827b-d34f1ccc5c56\"><tr><td class=\"c x178 y15b5 w3f8 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x301 y15b5 w3f0 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x302 y15b5 w3f1 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x303 y15b5 w3f9 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _128\"> </span></div></td><td class=\"c x304 y15b6 w103 h3b\"><div class=\"t m0 x54 h6 y93f ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y15b7 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15b7 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x305 y15b7 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2af y15b7 w3fa h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">und Eventualverbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15b8 w54 h37\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.317.774 </div></td><td class=\"c x306 y15b8 w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">677.885 </div></td><td class=\"c x307 y15b8 w148 h37\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.434.837 </div></td><td class=\"c x304 y15b8 w103 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.430.497 </div></td></tr><tr><td class=\"c x1dc y15b9 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15b9 w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.627.064 </div></td><td class=\"c x306 y15b9 w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.687 </div></td><td class=\"c x307 y15b9 w148 h39\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.093.754 </div></td><td class=\"c x304 y15b9 w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.850.505 </div></td></tr><tr><td class=\"c x1dc y15ba w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15ba w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.196.334 </div></td><td class=\"c x306 y15ba w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">384.573 </div></td><td class=\"c x307 y15ba w148 h39\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.908 </div></td><td class=\"c x304 y15ba w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.135.815 </div></td></tr><tr><td class=\"c x1dc y15bb w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15bb w54 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">196.100 </div></td><td class=\"c x306 y15bb w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">309.886 </div></td><td class=\"c x307 y15bb w148 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.217 </div></td><td class=\"c x304 y15bb w103 h39\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.203 </div></td></tr><tr><td class=\"c x1dc y15bc w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15bc w54 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.659 </div></td><td class=\"c x306 y15bc w147 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.799 </div></td><td class=\"c x307 y15bc w148 h39\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.647 </div></td><td class=\"c x304 y15bc w103 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.105 </div></td></tr><tr><td class=\"c x1dc y15bd w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15bd w54 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">147.917 </div></td><td class=\"c x306 y15bd w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">531.195 </div></td><td class=\"c x307 y15bd w148 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.449 </div></td><td class=\"c x304 y15bd w103 h37\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">769.561 </div></td></tr><tr><td class=\"c x1dc y15be w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15be w54 h39\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x306 y15be w147 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x307 y15be w148 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x304 y15be w103 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15bf w3f8 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15bf w3f0 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15bf w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15c0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15c1 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15c1 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15c1 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15c2 w3f6 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15c3 w145 h6f\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15c4 w3f7 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15c5 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15c5 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.171.484 </div></td><td class=\"c x2ff y15c5 w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">462.960 </div></td><td class=\"c x300 y15c5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.406.878 </div></td><td class=\"c x2fc y15c5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.041.321 </div></td></tr><tr><td class=\"c x1dc y15c6 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15c6 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.076.226 </div></td><td class=\"c x2ff y15c6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">92.258 </div></td><td class=\"c x300 y15c6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.124.048 </div></td><td class=\"c x2fc y15c6 w145 h39\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.292.531 </div></td></tr><tr><td class=\"c x1dc y15c7 w146 h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15c7 w142 h3c\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.966.726 </div></td><td class=\"c x2ff y15c7 w143 h3c\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">375.727 </div></td><td class=\"c x300 y15c7 w144 h3c\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.461 </div></td><td class=\"c x2fc y15c7 w145 h3c\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.788.915 </div></td></tr><tr><td class=\"c x1dc y15c8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15c8 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.216 </div></td><td class=\"c x2ff y15c8 w143 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.198 </div></td><td class=\"c x300 y15c8 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.635 </div></td><td class=\"c x2fc y15c8 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">351.050 </div></td></tr><tr><td class=\"c x1dc y15c9 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15c9 w142 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.550 </div></td><td class=\"c x2ff y15c9 w143 h37\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.266 </div></td><td class=\"c x300 y15c9 w144 h37\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.857 </div></td><td class=\"c x2fc y15c9 w145 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.673 </div></td></tr><tr><td class=\"c x1dc y15ca w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15ca w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.444 </div></td><td class=\"c x2ff y15ca w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.588 </div></td><td class=\"c x300 y15ca w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.290 </div></td><td class=\"c x2fc y15ca w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">748.323 </div></td></tr><tr><td class=\"c x1dc y15cb w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15cb w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15cb w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15cb w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15cb w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 107<span class=\"ls0\"> </span>Verteilung nach Branchen<span class=\"_ _0\"></span> In den folgenden Tab<span class=\"_ _0\"></span>ellen ist das Kreditrisikovolumen per 31.12.2022 und<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>31.12.2021 nach Branchen dar<span class=\"_ _0\"></span>gestellt. Die Eintei-<span class=\"_ _128\"> </span>lung erfolgt erstmals nach OENACE<span class=\"_ _0\"></span>. Die Darstellung aus d<span class=\"_ _0\"></span>em Vorjahr wurde dementsprechend angepasst.<span class=\"_ _0\"></span> <table class=\"s w3fb h1f0\" id=\"_383de3a7-f38a-4ae6-9a50-0ef1da12a962\"><tr><td class=\"c x308 y15cc w3fc h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x309 y15cc w3f0 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x30a y15cc w3f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche</div></td><td class=\"c x30b y15cd w3fd h1f1\" colspan=\"2\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Deriva-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x308 y15ce w3f3 h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x30c y15ce w3f4 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x30d y15ce w3f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x30e y15cf w3fe h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">ten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x30f y15d0 w152 h6f\"><div class=\"t m0 x37 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x30e y15d1 w3ff h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y15d2 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x310 y15d2 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">172.252 </div></td><td></td><td class=\"c x311 y15d2 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.830 </div></td><td class=\"c x30f y15d2 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">198.083 </div></td></tr><tr><td class=\"c x1a7 y15d3 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x310 y15d3 w14f h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.475 </div></td><td></td><td class=\"c x311 y15d3 w151 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">73.290 </div></td><td class=\"c x30f y15d3 w152 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.765 </div></td></tr><tr><td class=\"c x1a7 y15d4 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x310 y15d4 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.817.072 </div></td><td class=\"c x312 y15d4 w150 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.640 </div></td><td class=\"c x311 y15d4 w151 h37\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.331 </div></td><td class=\"c x30f y15d4 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.411.043 </div></td></tr><tr><td class=\"c x1a7 y15d5 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x310 y15d5 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">156.036 </div></td><td class=\"c x312 y15d5 w150 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.200 </div></td><td class=\"c x311 y15d5 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.447 </div></td><td class=\"c x30f y15d5 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.684 </div></td></tr><tr><td class=\"c x1a7 y15d6 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">fallentsorgung </div></td><td class=\"c x310 y15d6 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.572 </div></td><td></td><td class=\"c x311 y15d6 w151 h3b\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.484 </div></td><td class=\"c x30f y15d6 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.056 </div></td></tr><tr><td class=\"c x1a7 y15d7 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x310 y15d7 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.121.644 </div></td><td></td><td class=\"c x311 y15d7 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">665.178 </div></td><td class=\"c x30f y15d7 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.786.822 </div></td></tr><tr><td class=\"c x1a7 y15d8 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x310 y15d8 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.534.242 </div></td><td></td><td class=\"c x311 y15d8 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">933.002 </div></td><td class=\"c x30f y15d8 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.467.244 </div></td></tr><tr><td class=\"c x1a7 y15d9 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x310 y15d9 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.809 </div></td><td class=\"c x312 y15d9 w150 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.929 </div></td><td class=\"c x311 y15d9 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">124.567 </div></td><td class=\"c x30f y15d9 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.018.305 </div></td></tr><tr><td class=\"c x1a7 y15da w14e ha0\"><div class=\"t m0 x90 h5 y969 ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astrono-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls1f ws0\">mie<span class=\"ls0\"> </span></div></td><td class=\"c x310 y15da w14f ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.945 </div></td><td class=\"c x312 y15da w150 ha0\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15da w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.936 </div></td><td class=\"c x30f y15da w152 ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">417.181 </div></td></tr><tr><td class=\"c x1a7 y15db w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>ni-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">kation </div></td><td class=\"c x310 y15db w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.610 </div></td><td></td><td class=\"c x311 y15db w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.954 </div></td><td class=\"c x30f y15db w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">211.564 </div></td></tr><tr><td class=\"c x1a7 y15dc w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15dc w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.373.701 </div></td><td class=\"c x312 y15dc w150 h3b\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">667.918 </div></td><td class=\"c x311 y15dc w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.736 </div></td><td class=\"c x30f y15dc w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.361.356 </div></td></tr><tr><td class=\"c x1a7 y15dd w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Woh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nungswesen </div></td><td class=\"c x310 y15dd w14f h3a\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.186.704 </div></td><td></td><td class=\"c x311 y15dd w151 h3a\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">595.697 </div></td><td class=\"c x30f y15dd w152 h3a\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.782.400 </div></td></tr><tr><td class=\"c x308 y15de w400 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y15df w401 h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Dienstleistungen<span class=\"_ _128\"> </span></div></td><td class=\"c x310 y15e0 w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.399.725 </div></td><td class=\"c x312 y15e0 w150 h3b\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.192 </div></td><td class=\"c x311 y15e0 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">503.426 </div></td><td class=\"c x30f y15e0 w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.906.343 </div></td></tr><tr><td class=\"c x1a7 y15e1 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. Dienst<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15e1 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">697.356 </div></td><td class=\"c x312 y15e1 w150 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x311 y15e1 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.683 </div></td><td class=\"c x30f y15e1 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.040 </div></td></tr><tr><td class=\"c x1a7 y15e2 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x310 y15e2 w14f h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.893 </div></td><td class=\"c x312 y15e2 w150 h37\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.356.847 </div></td><td class=\"c x311 y15e2 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">311.689 </div></td><td class=\"c x30f y15e2 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.911.430 </div></td></tr><tr><td class=\"c x1a7 y15e3 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x310 y15e3 w14f h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.321 </div></td><td></td><td class=\"c x311 y15e3 w151 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.411 </div></td><td class=\"c x30f y15e3 w152 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.732 </div></td></tr><tr><td class=\"c x1a7 y15e4 w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls2e ws0\">Q <span class=\"ls0\">Gesundh<span class=\"_ _0\"></span>eits- und Sozialwe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x310 y15e4 w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.477 </div></td><td></td><td class=\"c x311 y15e4 w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.802 </div></td><td class=\"c x30f y15e4 w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.279 </div></td></tr><tr><td class=\"c x1a7 y15e5 w14e ha0\"><div class=\"t m0 x90 h5 y333 ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">holung </div></td><td class=\"c x310 y15e5 w14f ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.236 </div></td><td></td><td class=\"c x311 y15e5 w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.728 </div></td><td class=\"c x30f y15e5 w152 ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.964 </div></td></tr><tr><td class=\"c x1a7 y15e6 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x310 y15e6 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.917 </div></td><td></td><td class=\"c x311 y15e6 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.855 </div></td><td class=\"c x30f y15e6 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">212.772 </div></td></tr><tr><td class=\"c x1a7 y15e7 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x310 y15e7 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.897.858 </div></td><td></td><td class=\"c x311 y15e7 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">518.764 </div></td><td class=\"c x30f y15e7 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.416.622 </div></td></tr><tr><td class=\"c x1a7 y15e8 w14e h3b\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>io-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nen </div></td><td></td><td></td><td class=\"c x311 y15e8 w151 h3b\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x30f y15e8 w152 h3b\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x1a7 y15e9 w14e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x310 y15e9 w14f h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x312 y15e9 w150 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15e9 w151 h39\"><div class=\"t m0 x4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x30f y15e9 w152 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y15ea w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x313 y15ea w402 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und<span class=\"_ _128\"> </span></div></td><td class=\"c x314 y15ea w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x315 y15eb w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c8 y15ec w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x316 y15ec w403 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x317 y15ec w404 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere</div></td><td class=\"c x318 y15ed w405 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x319 y15ee w14d h6f\"><div class=\"t m0 x2b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x31a y15ef w3ff h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y15f0 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x31b y15f0 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">151.999 </div></td><td></td><td class=\"c x31c y15f0 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.464 </div></td><td class=\"c x319 y15f0 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.463 </div></td></tr><tr><td class=\"c x2c6 y15f1 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x31b y15f1 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.137 </div></td><td></td><td class=\"c x31c y15f1 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.366 </div></td><td class=\"c x319 y15f1 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.503 </div></td></tr><tr><td class=\"c x2c6 y15f2 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x31b y15f2 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.569.131 </div></td><td></td><td class=\"c x31c y15f2 w14c h37\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.632.827 </div></td><td class=\"c x319 y15f2 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.201.957 </div></td></tr><tr><td class=\"c x2c6 y15f3 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x31b y15f3 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.932 </div></td><td class=\"c x2b5 y15f3 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.650 </div></td><td class=\"c x31c y15f3 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.917 </div></td><td class=\"c x319 y15f3 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.498 </div></td></tr><tr><td class=\"c x2c6 y15f4 w14a hbc\"><div class=\"t m0 x90 h5 y95a ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallentsor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gung </div></td><td class=\"c x31b y15f4 wee hbc\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.017 </div></td><td></td><td class=\"c x31c y15f4 w14c hbc\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.216 </div></td><td class=\"c x319 y15f4 w14d hbc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.233 </div></td></tr><tr><td class=\"c x2c6 y15f5 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x31b y15f5 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.054.901 </div></td><td></td><td class=\"c x31c y15f5 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">621.097 </div></td><td class=\"c x319 y15f5 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.675.998 </div></td></tr><tr><td class=\"c x2c6 y15f6 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x31b y15f6 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.341.088 </div></td><td></td><td class=\"c x31c y15f6 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">982.685 </div></td><td class=\"c x319 y15f6 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.323.772 </div></td></tr><tr><td class=\"c x2c6 y15f7 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x31b y15f7 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.848 </div></td><td class=\"c x2b5 y15f7 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.993 </div></td><td class=\"c x31c y15f7 w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.259 </div></td><td class=\"c x319 y15f7 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">958.100 </div></td></tr><tr><td class=\"c x2c6 y15f8 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x31b y15f8 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.413 </div></td><td class=\"c x2b5 y15f8 w14b h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x31c y15f8 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.986 </div></td><td class=\"c x319 y15f8 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">495.698 </div></td></tr><tr><td class=\"c x2c6 y15f9 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x31b y15f9 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.060 </div></td><td></td><td class=\"c x31c y15f9 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.880 </div></td><td class=\"c x319 y15f9 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.940 </div></td></tr><tr><td class=\"c x2c6 y15fa w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- <span class=\"ls6\">und </span>Versicherungsleistungen </div></td><td class=\"c x31b y15fa wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.131.770 </div></td><td class=\"c x2b5 y15fa w14b h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">500.842 </div></td><td class=\"c x31c y15fa w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">315.493 </div></td><td class=\"c x319 y15fa w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.948.105 </div></td></tr><tr><td class=\"c x2c6 y15fb w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswesen </div></td><td class=\"c x31b y15fb wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.903.369 </div></td><td class=\"c x2b5 y15fb w14b h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.479 </div></td><td class=\"c x31c y15fb w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">613.816 </div></td><td class=\"c x319 y15fb w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.526.664 </div></td></tr><tr><td class=\"c x2c6 y15fc w14a h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x31b y15fc wee h3a\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.426.424 </div></td><td class=\"c x2b5 y15fc w14b h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.302 </div></td><td class=\"c x31c y15fc w14c h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">602.465 </div></td><td class=\"c x319 y15fc w14d h3a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.192 </div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 108<span class=\"ls0\"> </span><table class=\"s w406 h1f2\" id=\"_0f142a87-cddd-473b-a332-758787ecea99\"><tr><td class=\"c x1dc y15fd w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. <span class=\"_ _0\"></span>Dienstleistungen </div></td><td class=\"c x31d y15fd wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">561.388 </div></td><td class=\"c x31e y15fd w14b h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x31f y15fd w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.942 </div></td><td class=\"c x320 y15fd w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">710.330 </div></td></tr><tr><td class=\"c x1dc y15fe w14a h38\"><div class=\"t m0 x90 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x31d y15fe wee h38\"><div class=\"t m0 x47 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">456.888 </div></td><td class=\"c x31e y15fe w14b h38\"><div class=\"t m0 xf8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.099.431 </div></td><td class=\"c x31f y15fe w14c h38\"><div class=\"t m0 x3a h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">67.821 </div></td><td class=\"c x320 y15fe w14d h38\"><div class=\"t m0 x11 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.624.140 </div></td></tr><tr><td class=\"c x1dc y15ff w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x31d y15ff wee h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.260 </div></td><td></td><td class=\"c x31f y15ff w14c h37\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.569 </div></td><td class=\"c x320 y15ff w14d h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.829 </div></td></tr><tr><td class=\"c x1dc y1600 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x31d y1600 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">152.682 </div></td><td></td><td class=\"c x31f y1600 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.755 </div></td><td class=\"c x320 y1600 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.437 </div></td></tr><tr><td class=\"c x1dc y1601 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erholung </div></td><td class=\"c x31d y1601 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.604 </div></td><td></td><td class=\"c x31f y1601 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.204 </div></td><td class=\"c x320 y1601 w14d h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.808 </div></td></tr><tr><td class=\"c x1dc y1602 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x31d y1602 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.641 </div></td><td></td><td class=\"c x31f y1602 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.387 </div></td><td class=\"c x320 y1602 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">189.028 </div></td></tr><tr><td class=\"c x1dc y1603 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x31d y1603 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.882.569 </div></td><td></td><td class=\"c x31f y1603 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">593.017 </div></td><td class=\"c x320 y1603 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.475.585 </div></td></tr><tr><td class=\"c x1dc y1604 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x31d y1604 wee h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">525<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x31f y1604 w14c h37\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x320 y1604 w14d h37\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">527<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1605 w14a h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x31d y1605 wee h39\"><div class=\"t m0 xa6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x31e y1605 w14b h39\"><div class=\"t m0 xf8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x31f y1605 w14c h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x320 y1605 w14d h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Sicherheiten<span class=\"_ _128\"> </span> Strategien und Prozesse bzgl. Bewertung und Managemen<span class=\"_ _0\"></span>t von Sicherheiten<span class=\"_ _0\"></span> Die Hereinnahme von Kredit<span class=\"_ _0\"></span>sicherheiten sowie deren Management werden als bedeut<span class=\"_ _0\"></span>ender Bestandteil des <span class=\"_ _0\"></span> Kreditrisikomanagements in<span class=\"_ _0\"></span> der Oberbank AG angesehen. Die Gestion de<span class=\"_ _0\"></span>s Kr<span class=\"_ _0\"></span>editgesch\u00e4ftes \u00fcber die Unterdeckung st<span class=\"_ _0\"></span>ellt<span class=\"_ _128\"> </span> hohe Anforderungen an<span class=\"_ _0\"></span> die aktuelle und richtige Bewertung von Sicherheiten. <span class=\"_ _1\"></span> Daher ist die Sicherheitenverwaltung im ge-<span class=\"_ _128\"> </span>samten Oberbank Konzern<span class=\"_ _0\"></span> organisatorisch vom Vertrieb getrennt und erfolgt f\u00fcr \u00d6st<span class=\"_ _0\"></span>erreich <span class=\"_ _0\"></span>und Deutschland ausschlie\u00dflich<span class=\"_ _128\"> </span> in der eigenen Tochtergesellschaft, d<span class=\"_ _0\"></span>er Oberbank Service GmbH. F\u00fcr Tschechien, d<span class=\"_ _0\"></span>ie Slowakei und Ungarn erfolgt d<span class=\"_ _0\"></span>ie Sicher-<span class=\"_ _128\"> </span>heitenverwaltung in den zent<span class=\"_ _0\"></span>ralen Marktfolgeeinheiten in Budweis und Budapest. Die geltenden Verwalt<span class=\"_ _0\"></span>ungs<span class=\"_ _0\"></span>grunds\u00e4<span class=\"_ _0\"></span>tze<span class=\"_ _128\"> </span> gew\u00e4hrleisten eine rechtlich einwandfr<span class=\"_ _0\"></span>eie Begr\u00fcndung der Kreditsicherheiten so<span class=\"_ _0\"></span>wie alle erforderlichen Voraussetzun<span class=\"_ _0\"></span>gen zur<span class=\"_ _128\"> </span> raschen Durchsetzung d<span class=\"_ _0\"></span>er Anspr\u00fcche bei Bedarf.<span class=\"_ _128\"> </span> In der zentralen Fachabt<span class=\"_ _0\"></span>eilung f\u00fcr rechtliche Fragen <span class=\"_ _0\"></span>Kredit-Management / <span class=\"_ _0\"></span>Finanzierungsrecht liegt die Verantwortun<span class=\"_ _0\"></span>g f\u00fcr<span class=\"_ _128\"> </span> die Erstellung von stan<span class=\"_ _0\"></span>dardisierten Sicherheitenvertr\u00e4gen und <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span>dokumenten, die generell Anwend<span class=\"_ _0\"></span>ung finden. Die Verwal-<span class=\"_ _128\"> </span>tung der Kreditsicherh<span class=\"_ _0\"></span>eiten umfasst sowohl einen materiellen als auch einen for<span class=\"_ _0\"></span>mellen Aspekt, wobei die erforderlichen<span class=\"_ _128\"> </span> T\u00e4tigkeiten entsprechend d<span class=\"_ _0\"></span>en einzelnen Sicherheitenkategor<span class=\"_ _0\"></span>ien genau definiert sind.<span class=\"_ _128\"> </span> Bei den hypothekarisch b<span class=\"_ _0\"></span>esicherten Krediten wird dem Regionalit\u00e4tsprinzip ent<span class=\"_ _0\"></span>sprechend auf Sicherheiten in den f\u00fcnf L\u00e4n<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>dern unserer Filialen abgestellt. Bei Sachsicherheiten gilt gener<span class=\"_ _0\"></span>ell, dass die Finan<span class=\"_ _0\"></span>zierungsdauer m<span class=\"_ _0\"></span>it der wirtschaftlichen Nut-<span class=\"_ _128\"> </span>zungsdauer im Einklang st<span class=\"_ _0\"></span>ehen muss. Die materielle Werthaltigkeit der Sicherheit und d<span class=\"_ _0\"></span>ie M\u00f6glichkeit der raschen Verwert-<span class=\"_ _128\"> </span>barkeit stellen wichtige Pr\u00fcfpunkt<span class=\"_ _0\"></span>e dar. Bei pers\u00f6nlichen Sicherheiten d\u00fcrfen keine w<span class=\"_ _0\"></span>esentlichen Risikokorrel<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>ionen zwi-<span class=\"_ _128\"> </span>schen SicherheitengeberInnen und<span class=\"_ _0\"></span> KreditnehmerInnen bestehen. Bei Leasingfinanzierungen muss ein allf\u00e4llig vereinbart<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> Restwert niedriger oder maximal gleich hoch sein w<span class=\"_ _0\"></span>ie der bei Ablauf d<span class=\"_ _0\"></span>er Finanzierung erwartete Marktwert.<span class=\"_ _0\"></span> F\u00fcr jede Sicherheitenart<span class=\"_ _0\"></span> gibt es eine in Bezug auf Objektivit\u00e4t<span class=\"_ _0\"></span> und Aktualit\u00e4t verbindlich vorgeschriebene Er<span class=\"_ _0\"></span>mittlung des no-<span class=\"_ _128\"> </span>minellen Wertes, der als Berechn<span class=\"_ _0\"></span>ungsbasis f\u00fcr die zur internen Risikosteuerung festgelegten Deckungsw<span class=\"_ _0\"></span>ertans\u00e4tze und f\u00fcr<span class=\"_ _128\"> </span> die Kreditrisikominderungsan<span class=\"_ _0\"></span>s\u00e4tze im Rahmen von<span class=\"_ _0\"></span> Basel III dient. Die internen Deckungswertans\u00e4tze sind<span class=\"_ _0\"></span> Maximal-Werte,<span class=\"_ _128\"> </span> die zur Ermittlung der Unterd<span class=\"_ _0\"></span>eckung f\u00fchren. In begr\u00fcndeten E<span class=\"_ _0\"></span>inzelf\u00e4llen kann die Bewertung einer Sicherheit von d<span class=\"_ _0\"></span>en jewei-<span class=\"_ _128\"> </span>ligen Kompetenztr\u00e4gerInnen<span class=\"_ _0\"></span> nach unten korrigiert<span class=\"_ _0\"></span> werden. Eine h\u00f6here Bewertung ist ebenfalls nur<span class=\"_ _0\"></span> in begr\u00fcndeten Ausnah-<span class=\"_ _128\"> </span>mef\u00e4llen durch die Markt<span class=\"_ _0\"></span>folge m\u00f6glich.<span class=\"_ _128\"> </span> Die aktuellen Bewertun<span class=\"_ _0\"></span>gsgrunds\u00e4tze resultieren aus den Sch\u00e4tzungen der Forderun<span class=\"_ _0\"></span>gsbetreibung auf Basis der bisherigen<span class=\"_ _128\"> </span> Verwertungserfahrungen. D<span class=\"_ _0\"></span>ie Bewertungsans\u00e4tze werd<span class=\"_ _0\"></span>en j\u00e4hrlich im Rahmen der LGD Validierung gepr\u00fcft und gegebenen-<span class=\"_ _128\"> </span>falls angepasst. Der im Bewertungsansat<span class=\"_ _0\"></span>z inkludierte Abschlag ber\u00fccksichtigt d<span class=\"_ _0\"></span>as Bewertungs<span class=\"_ _0\"></span>- und V<span class=\"_ _0\"></span>erwertungsrisiko, die<span class=\"_ _128\"> </span> Kosten der Verwertung sowie den d<span class=\"_ _0\"></span>urch die Verwertungs<span class=\"_ _0\"></span>dauer der jeweiligen Sicherheit entst<span class=\"_ _0\"></span>ehenden Zinseffekt.<span class=\"_ _0\"></span> Die Aktualit\u00e4t der Sicherheitenwerte w<span class=\"_ _0\"></span>ird bei finanziellen Sicherheiten \u00fcber die laufende Einspielung d<span class=\"_ _0\"></span>er Marktwerte sicher-<span class=\"_ _128\"> </span>gestellt, bei hypothekarischen Sicherheiten erfolgt d<span class=\"_ _0\"></span>ie Expertensch\u00e4tzung ge<span class=\"_ _0\"></span>m\u00e4\u00df d<span class=\"_ _0\"></span>en Mindesterfordernissen, die im umfas-<span class=\"_ _128\"> </span>senden Sicherheitenbewertun<span class=\"_ _0\"></span>gsansatz in der CRR definiert sind.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">109<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Generell werden bei intern verwendeten<span class=\"_ _0\"></span> Sicherheiten die gleichen strikten Qualit\u00e4tsanforderungen in<span class=\"_ _0\"></span> Bezug auf Aktualit\u00e4t<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">und Durchsetzbarkeit angewan<span class=\"_ _0\"></span>dt wie bei Sicherheiten, d<span class=\"_ _0\"></span>ie unter der CRR II bei der Ermittlung des Eigenmittelerfordern<span class=\"_ _0\"></span>isse<span class=\"_ _128\"> </span>s<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr das Kreditgesch\u00e4ft zur Anr<span class=\"_ _0\"></span>echnung kommen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Die \u00dcbernahme von Pfandliegensch<span class=\"_ _0\"></span>aften nimmt generell eine unt<span class=\"_ _0\"></span>ergeordnete Rolle ein. In den ausgewiesenen finanziel<span class=\"_ _1\"></span>len<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten per 31.12.2022 befinden s<span class=\"_ _0\"></span>ich (wie auch im Vorjahr) keine \u00fcbernommenen Pfan<span class=\"_ _0\"></span>dliegenschaften. Diese<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">werden von der Ob<span class=\"_ _0\"></span>erbank AG nur dann erworben, wenn Verkaufshemmnisse die sofo<span class=\"_ _0\"></span>rtige Verwertung einer Liegenschaft<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">mit einem angemessenen Verw<span class=\"_ _0\"></span>ertungserl\u00f6s unm\u00f6glich machen (z. <span class=\"_ _0\"></span>B. im Rahmen einer Versteigerung bzw. im Freihandver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">kauf). Es ist immer das<span class=\"_ _0\"></span> erkl\u00e4rte Ziel, die urspr\u00fcnglich bestehenden Verkaufsh<span class=\"_ _0\"></span>emmnisse zu beseitigen, um anschlie\u00dfend das<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Objekt schnellstm\u00f6glich und<span class=\"_ _0\"></span> ordnungsgem\u00e4\u00df weiterzu<span class=\"_ _0\"></span>ver\u00e4u\u00dfern. Eine Verwendung f\u00fcr<span class=\"_ _0\"></span> den Gesch\u00e4ftsbetrieb erfolgt nicht.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">In der Berichtsperiode wurd<span class=\"_ _0\"></span>en keine Sic<span class=\"_ _5\"></span>herheiten verwert<span class=\"_ _0\"></span>et, die die Ansatzkriterien nach IFRS erf\u00fcllen.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h6 y11a ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11b ff5 fs2 fc2 sc0 ls0 ws0\">Arten von Sicherheiten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">Die wesentlichen Sicherheiten sind Hyp<span class=\"_ _0\"></span>otheken auf Wohnimmob<span class=\"_ _0\"></span>ilien un<span class=\"_ _0\"></span>d kommerziell genutzte Immobilien, finanzielle Si-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">cherheiten (Bareinlagen, Schuldverschreibu<span class=\"_ _0\"></span>ngen und Aktien) sowie pers\u00f6nliche Sicherheiten (Haft<span class=\"_ _0\"></span>ungen, B\u00fcrgschaften, Ga-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">rantien). Die Sicherheiten (exklusive p<span class=\"_ _0\"></span>ers\u00f6nliche Sicherheiten) k\u00f6nn<span class=\"_ _0\"></span>en zu einem \u00fc<span class=\"_ _0\"></span>berwiegenden Anteil von 93,45 % (V<span class=\"_ _0\"></span>orjah<span class=\"_ _128\"> </span>r<span class=\"_ _128\"> </span>:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff9 fs2 fc2 sc0 ls0 ws0\">92,56 %) der Forderun<span class=\"_ _0\"></span>gsart \u201eKredite und Forderungen\u201c zugerechnet w<span class=\"_ _0\"></span>erden, der Rest entf\u00e4llt zu 6,55 % (Vorjahr<span class=\"_ _0\"></span>: 7,44 %) a<span class=\"_ _128\"> </span>u<span class=\"_ _128\"> </span>f<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff9 fs2 fc2 sc0 ls0 ws0\">die \u201eKreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Die in den Tabellen ausgew<span class=\"_ _0\"></span>iesenen Werte stellen die im Rahmen d<span class=\"_ _0\"></span>er Quantifizierung der Kreditrisiken im ICAAP <span class=\"_ _0\"></span>verwende-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">ten besicherten Forderun<span class=\"_ _0\"></span>gswerte dar. </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs2f3\"><table class=\"s w407 h1f3\" id=\"_4ae083df-3062-4fd2-811e-20d6f82bb132\"><tr><td class=\"c x322 y1606 w154 h37\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x323 y1606 w155 h37\" colspan=\"2\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungswert<span class=\"_ _0\"></span> </div></td></tr><tr><td class=\"c x322 y1607 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheitenkategorie </div></td><td class=\"c x323 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y1608 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Sicherheiten </div></td><td class=\"c x323 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.397.867<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.218.253<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y1609 w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bareinlagen </div></td><td class=\"c x323 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.322.687 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.100.042 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160a w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x323 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">18.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">29.711 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160b w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsl. WP </div></td><td class=\"c x323 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">56.665 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">88.500 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160c w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Immobiliensicherheiten </div></td><td class=\"c x323 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">7.060.092<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.846.874<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160d w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wohnimmobilien </div></td><td class=\"c x323 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.654.233 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.508.448 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160e w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewerbeimmobilien </div></td><td class=\"c x323 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.405.859 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.338.426 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160f w154 h39\"><div class=\"t m0 x0 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> Sachsicherheiten </div></td><td class=\"c x323 y160f w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.102.516<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160f w156 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">863.869<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h6 y9a7 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y9a8 ff4 fs2 fc2 sc0 ls0 ws0\">Die pers\u00f6nlichen Sicherheiten beschr\u00e4nken<span class=\"_ _0\"></span> sich auf Haftungen, B\u00fcrgschaften un<span class=\"_ _0\"></span>d Garantien. Die wichtigsten sechs Garanti<span class=\"_ _128\"> </span>e-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y9a9 ff4 fs2 fc2 sc0 ls0 ws0\">geber, die 85,26% (Vorjahr: 83,51%) am gesamten Vo<span class=\"_ _0\"></span>lumen der <span class=\"_ _0\"></span>pers\u00f6nlichen Sicherheiten d<span class=\"_ _0\"></span>arstellen, sind nachstehend<span class=\"_ _0\"></span> au<span class=\"_ _128\"> </span>f-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y9aa ff4 fs2 fc2 sc0 ls0 ws0\">gelistet. </div><div class=\"t m0 x3 h5 y9ab ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs2f4\"><table class=\"s w408 h1f4\" id=\"_8d86e789-b7a3-4d75-b4f3-2cab2cbecf39\"><tr><td class=\"c x178 y1610 w409 h1f5\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x326 y1611 w15b haf\"><div class=\"t m0 x6c h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x327 y1610 w40a h1f5\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x328 y1611 w15d haf\"><div class=\"t m0 x37 h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y1612 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x329 y1612 w40b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y1613 w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y1613 w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.100.451 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y1613 w15f h26\"><div class=\"t m0 x37 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x32b y1614 w161 haa\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x32c y1614 wbf haa\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1614 w162 haa\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">626.164 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1614 w163 haa\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">56,9% </div></td></tr><tr><td class=\"c x32b y1615 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x32c y1615 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1615 w162 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">193.372 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1615 w163 h26\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">17,6% </div></td></tr><tr><td class=\"c x32b y1616 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x32c y1616 wbf h26\"><div class=\"t m0 x42 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"ls2c\">AA+</span> </div></td><td class=\"c x32d y1616 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">38.123 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1616 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,5% </div></td></tr><tr><td class=\"c x32b y1617 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Landeshaupt<span class=\"_ _0\"></span>stadt Graz </div></td><td></td><td class=\"c x32d y1617 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">30.000 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1617 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,7% </div></td></tr><tr><td class=\"c x32b y1618 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayer<span class=\"_ _0\"></span>n </div></td><td class=\"c x32c y1618 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1618 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">26.082 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1618 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,4% </div></td></tr><tr><td class=\"c x32b y1619 w161 h26\"><div class=\"t m0 x13 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat Tsch<span class=\"_ _0\"></span>echien </div></td><td class=\"c x32c y1619 wbf h26\"><div class=\"t m0 x11 h5 y9b6 ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32d y1619 w162 h26\"><div class=\"t m0 xd2 h5 y9b6 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">24.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1619 w163 h26\"><div class=\"t m0 xf8 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">2,2% </div></td></tr></table></div>Konzernabschluss<span class=\"_ _0\"></span> 110<span class=\"ls0\"> </span><table class=\"s w40c h1f6\" id=\"_29ad48a1-d825-427b-ad98-e22610349fad\"><tr><td class=\"c x178 y161a w409 h1f7\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x2ff y161b w167 hc0\"><div class=\"t m0 x60 h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x32f y161a w40d h1f7\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter For-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f5 y161b w169 hc0\"><div class=\"t m0 x3f h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y161c w2f5 h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x330 y161c w40e h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">derungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y161d w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y161d w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.163.434 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y161d w15d h26\"><div class=\"t m0 x4d h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x331 y161e w16b h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x326 y161e w15b h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161e w15c h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">601.919 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161e w15d h26\"><div class=\"t m0 x10 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">51,7% </div></td></tr><tr><td class=\"c x331 y161f w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x326 y161f w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161f w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">161.708 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161f w15d hc1\"><div class=\"t m0 x10 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">13,9% </div></td></tr><tr><td class=\"c x331 y1620 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. COVID-19 Finanzierungsagent<span class=\"_ _0\"></span>ur </div></td><td></td><td class=\"c x32a y1620 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">82.950 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1620 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">7,1% </div></td></tr><tr><td class=\"c x331 y1621 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat T<span class=\"_ _0\"></span>schechien </div></td><td class=\"c x326 y1621 w15b hc1\"><div class=\"t m0 x42 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32a y1621 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">43.683 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1621 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,8% </div></td></tr><tr><td class=\"c x331 y1622 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayern<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1622 w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1622 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">41.323 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1622 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,6% </div></td></tr><tr><td class=\"c x331 y1623 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1623 w15b hc1\"><div class=\"t m0 xf8 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1623 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">40.056 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1623 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,4% </div></td></tr></table><table class=\"s w40f h1f8\" id=\"_3f5afdcf-a63a-46ef-94e5-f512c1b3148d\"><tr><td class=\"c x199 y1624 w3 h3\"><div class=\"t m0 x3 h6 y868 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen und Non-perfo<span class=\"_ _0\"></span>rming loans </div><div class=\"t m0 x3 h5 y9c4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9c5 ff5 fs2 fc2 sc0 ls0 ws0\">Bildung von Risikovorsorgen (Wertberichtigungen und R\u00fccks<span class=\"_ _0\"></span>tellungen)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y942 ff4 fs2 fc2 sc0 ls0 ws0\">Die Details zur Bildung von<span class=\"_ _0\"></span> Risikovorsorgen gem\u00e4\u00df IFRS 9 5.5 und zur Ein<span class=\"_ _0\"></span>ordnung in die ECL<span class=\"_ _0\"></span>-Stufen k\u00f6n<span class=\"_ _0\"></span>nen der Note 2.7) </div><div class=\"t m0 x3 h5 y9c6 ff4 fs2 fc2 sc0 ls0 ws0\">entnommen werden.  </div><div class=\"t m0 x3 h5 y9c7 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9c8 ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorgen </div><div class=\"t m0 x3 h5 y9c9 ff4 fs2 fc2 sc0 ls0 ws0\">Das Risikoergebnis aus dem Kr<span class=\"_ _0\"></span>editgesch\u00e4ft ist gegen\u00fcber d<span class=\"_ _0\"></span>em Jahr 2021 um 5,8 Mio. Euro auf 41,5 Mio Euro<span class=\"_ _0\"></span> angestiegen<span class=\"_ _0\"></span>. </div><div class=\"t m0 x3 h5 y9ca ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9cb ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung des Ergebnisses aus den Risikovorsorgen im Kre<span class=\"_ _0\"></span>ditgesch\u00e4ft (GuV<span class=\"_ _0\"></span>-Darste<span class=\"_ _0\"></span>llung) </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y1625 w16c h39\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x332 y1625 w106 h39\"><div class=\"t m0 xd h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x333 y1625 wc1 h39\"><div class=\"t m0 x38 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1626 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1626 w106 h39\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.079 </div></td><td></td><td class=\"c x333 y1626 wc1 h39\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">101.325 </div></td></tr><tr><td class=\"c x2c6 y1627 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sung von Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1627 w106 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-71.190 </div></td><td></td><td class=\"c x333 y1627 wc1 h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-66.241 </div></td></tr><tr><td class=\"c x2c6 y1628 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Direktabschreibungen von Forderungen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1628 w106 h39\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.325 </div></td><td></td><td class=\"c x333 y1628 wc1 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.437 </div></td></tr><tr><td class=\"c x2c6 y1629 w16c h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen </div></td><td></td><td></td><td></td><td class=\"c x332 y1629 w106 h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.202 </div></td><td></td><td class=\"c x333 y1629 wc1 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.422 </div></td></tr><tr><td class=\"c x2c6 y162a w16c h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanter Modifikation </div></td><td></td><td></td><td></td><td class=\"c x332 y162a w106 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">41</span> </div></td><td></td><td class=\"c x333 y162a wc1 h37\"><div class=\"t m0 xb1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">70</span> </div></td></tr><tr><td class=\"c x2c6 y162b w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Impairment Gain aus POCI<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y162b w106 h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.489 </div></td><td></td><td class=\"c x333 y162b wc1 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.684 </div></td></tr><tr><td class=\"c x2c6 y162c w16c h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td><td></td><td></td><td class=\"c x332 y162c w106 h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.482<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x333 y162c wc1 h39\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">3<span class=\"ls2\">5.713</span> </div></td></tr><tr><td class=\"c x199 y1624 w3 h3\"><div class=\"t m0 x3 h6 y9cf ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y744 ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorgen (Bilanzdarstellung)<span class=\"_ _0\"></span> </div></td><td class=\"c x334 y162d w410 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x335 y162d w411 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2f ws0\">Ver<span class=\"ls0\">-<span class=\"_ _128\"> </span></span></div></td><td class=\"c x336 y162d w412 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige Ef-<span class=\"_ _128\"> </span></div></td><td class=\"c x337 y162d w413 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y162e w16d h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x338 y162f w414 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">1.1.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x339 y162e waa h3b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen </div></td><td class=\"c x33a y162e wf h3b\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x33b y162f w415 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">brauch<span class=\"_ _128\"> </span></div></td><td class=\"c x33d y162f w416 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">fekte<span class=\"_ _128\"> </span></div><div class=\"t m0 x33c hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">2)<span class=\"_ _128\"> </span></div></td><td class=\"c x33e y162f w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1631 w16d hf\"><div class=\"t m0 x90 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">zu Barreserve Stage 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1631 waf hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">640<span class=\"ls0\"> </span></div></td><td class=\"c x339 y1631 waa hf\"><div class=\"t m0 x31 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1631 wf hf\"><div class=\"t m0 xf h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">279</span> </div></td><td class=\"c x340 y1631 w16e hf\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1631 w16f hf\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1631 w170 hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">361<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1632 w16d h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stitute Stufe 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1632 waf h3b\"><div class=\"t m0 x4d h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">109<span class=\"ls0\"> </span></div></td><td class=\"c x339 y1632 waa h3b\"><div class=\"t m0 x3 h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">58<span class=\"ls0\"> </span></div></td><td class=\"c x33a y1632 wf h3b\"><div class=\"t m0 x31 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1632 w16e h3b\"><div class=\"t m0 x72 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1632 w16f h3b\"><div class=\"t m0 xf9 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1632 w170 h3b\"><div class=\"t m0 x4d h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">167<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1633 w16d h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stitute Stufe 3<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1633 waf h3a\"><div class=\"t m0 x10 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1633 waa h3a\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1633 wf h3a\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1633 w16e h3a\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1633 w16f h3a\"><div class=\"t m0 xf9 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1633 w170 h3a\"><div class=\"t m0 x10 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1634 w417 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kund<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1635 waf h3b\"><div class=\"t m0 x2b h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">57.638<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1635 waa h3b\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">10.166<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1635 wf h3b\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1635 w16e h3b\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1635 w16f h3b\"><div class=\"t m0 xd h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-7<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1635 w170 h3b\"><div class=\"t m0 x2b h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">67.797<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1636 w418 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 1 + 2<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y1637 w419 h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an <span class=\"_ _0\"></span>Kunden<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1638 waf h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">156.214<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1638 waa h3a\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">77.061<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1638 wf h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-42.089 </div></td><td class=\"c x340 y1638 w16e h3a\"><div class=\"t m0 x70 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1638 w16f h3a\"><div class=\"t m0 x15 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-5.491 </div></td><td class=\"c x342 y1638 w170 h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">170.766<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1639 w41a h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 3<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y163a w16d hf\"><div class=\"t m0 x90 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">zu Finanzanlagen Stu<span class=\"_ _0\"></span>fe 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y163a waf hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">902<span class=\"ls0\"> </span></div></td><td class=\"c x339 y163a waa hf\"><div class=\"t m0 x3 h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">54<span class=\"ls0\"> </span></div></td><td class=\"c x33a y163a wf hf\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">81</span> </div></td><td class=\"c x340 y163a w16e hf\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163a w16f hf\"><div class=\"t m0 xd h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-5<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163a w170 hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">870<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y163b w16d hc3\"><div class=\"t m0 x90 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">zu Sachanlagen Stage 1 +2<span class=\"_ _0\"></span> </div></td><td class=\"c x33f y163b waf hc3\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">207<span class=\"ls0\"> </span></div></td><td class=\"c x339 y163b waa hc3\"><div class=\"t m0 x31 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y163b wf hc3\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">34</span> </div></td><td class=\"c x340 y163b w16e hc3\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163b w16f hc3\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163b w170 hc3\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">173<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y163c w41b h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y163d waf ha0\"><div class=\"t m0 x4f h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">215.710<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y163d waa ha0\"><div class=\"t m0 x11 h27 y9d4 ff5 fs1 fc2 sc0 ls11 ws0\">87.339<span class=\"ls0\"> </span></div></td><td class=\"c x33a y163d wf ha0\"><div class=\"t m0 xf8 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-42.483 </div></td><td class=\"c x340 y163d w16e ha0\"><div class=\"t m0 x70 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163d w16f ha0\"><div class=\"t m0 x15 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-5.503 </div></td><td class=\"c x342 y163d w170 ha0\"><div class=\"t m0 x4f h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">240.134<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y163e w41c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span></div><div class=\"t m0 x343 hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y163f w16d h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">zu au\u00dferb<span class=\"_ _0\"></span>ilanziellen Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ften Stufe 1 + 2<span class=\"ff5\"> </span></div></td><td class=\"c x33f y163f waf h3b\"><div class=\"t m0 x60 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.286<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y163f waa h3b\"><div class=\"t m0 x2e h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.041<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y163f wf h3b\"><div class=\"t m0 x2c h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">-2.799<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y163f w16e h3b\"><div class=\"t m0 x72 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163f w16f h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163f w170 h3b\"><div class=\"t m0 x60 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">19.528<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1640 w16d h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">zu au\u00dferbilanziellen Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ften Stufe 3<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1640 waf h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">113.964<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1640 waa h3a\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">28.699<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1640 wf h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-25.908<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1640 w16e h3a\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1640 w16f h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">1.214 </div></td><td class=\"c x342 y1640 w170 h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">117.969<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1641 w41d h1fb\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtsumme<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1642 waf h3b\"><div class=\"t m0 x4f h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">350.960<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1642 waa h3b\"><div class=\"t m0 x15 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">117.079<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1642 wf h3b\"><div class=\"t m0 xf8 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-71.190 </div></td><td class=\"c x340 y1642 w16e h3b\"><div class=\"t m0 x70 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1642 w16f h3b\"><div class=\"t m0 x15 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-4.289 </div></td><td class=\"c x342 y1642 w170 h3b\"><div class=\"t m0 x4f h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">377.631<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1643 w41b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1644 w41e h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Die Risik<span class=\"_ _5\"></span>ovorsorgen zu au\u00df<span class=\"_ _5\"></span>erbilanziell<span class=\"_ _5\"></span>en Gesch\u00e4fte<span class=\"_ _5\"></span>n werden in der Po<span class=\"_ _5\"></span>sition R\u00fcc<span class=\"_ _5\"></span>kstellungen (<span class=\"_ _5\"></span>Bilanz Passiva 4) aus<span class=\"_ _5\"></span>gewiesen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1647 w41f h1fc\"><div class=\"t m0 x177 h16 y1645 ff4 fs6 fc2 sc0 ls8 ws0\">2)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y1646 ff4 fs4 fc2 sc0 ls0 ws0\">Hiev. aus Konso<span class=\"_ _5\"></span>lidier<span class=\"_ _5\"></span>ung 1.257 Tsd. EUR, aus R<span class=\"_ _5\"></span>isiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr<span class=\"_ _5\"></span> zum Fair Value \u00fcbe<span class=\"_ _5\"></span>r OCI bewer<span class=\"_ _5\"></span>tete WP - 12 Tsd. EUR, aus U<span class=\"_ _5\"></span>mbuchungen PO<span class=\"_ _5\"></span>CI -<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">5.889<span class=\"_ _128\"> </span></div></td><td class=\"c x344 y1647 w420 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Tsd. EUR, aus <span class=\"_ _5\"></span>Wechsel<span class=\"_ _5\"></span>kurs\u00e4nderungen r<span class=\"_ _5\"></span>esultier<span class=\"_ _5\"></span>en + 366 Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 111<span class=\"ls0\"> </span>Ver\u00e4nderung der Risikovorsorge nach IFRS 9 im Berichtsjahr<span class=\"_ _0\"></span> Folgende Tabellen zeigen die Wert<span class=\"_ _0\"></span>\u00e4nderungen der Brutt<span class=\"_ _0\"></span>obuchwerte sowie der Risikovorsorgen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r 2022 f\u00fcr<span class=\"_ _128\"> </span> bilanzielle Verm\u00f6genswerte, die unt<span class=\"_ _0\"></span>er die Bestimmungen der Wertminderungsvorschriften nach IFRS 9 fallen.<span class=\"_ _1\"></span> Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffu<span class=\"_ _0\"></span>ngskosten bewertet<span class=\"_ _1\"></span> <table class=\"s w421 h1fd\" id=\"_b5fdd7bf-e9ca-43f0-a457-fbefa14ca236\"><tr><td></td><td class=\"c x345 y1648 w173 h26\"><div class=\"t m0 x54 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x346 y1648 we h26\"><div class=\"t m0 x5a h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1648 w86 h26\"><div class=\"t m0 x13 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x308 y1649 w422 h1f1\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu AC bewerteten <span class=\"_ _0\"></span>finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y164a w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y164b w173 h6f\"><div class=\"t m0 x4f h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x346 y164b w9b h6f\"><div class=\"t m0 xd h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x348 y164b w175 h6f\"><div class=\"t m0 x29 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x349 y164b w30 h6f\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x308 y164c w424 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164d w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021* </div></td><td class=\"c x345 y164d w173 h39\"><div class=\"t m0 x4d h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">18.863.549<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164d we h39\"><div class=\"t m0 xc9 h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">5.602.656<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164d w86 h39\"><div class=\"t m0 x2b h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">342.671<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y164d w175 h39\"><div class=\"t m0 x85 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">40.330<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y164d w30 h39\"><div class=\"t m0 x8c h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">24.849.205<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y164e w172 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x345 y164e w173 h37\"><div class=\"t m0 x10 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">747.510<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164e we h37\"><div class=\"t m0 x4d h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-745.640<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164e w86 h37\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.871<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164f w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x345 y164f w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-331.097<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164f we h39\"><div class=\"t m0 xc h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">340.667<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164f w86 h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-9.570<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1650 w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x345 y1650 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-123.634<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1650 we h39\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-97.966<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1650 w86 h39\"><div class=\"t m0 x60 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">221.600<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1651 w425 h1fe\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1652 w426 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">neu ausgereichten od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1653 w427 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">erworbenen Verm\u00f6genswert<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1654 w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1655 w173 hc5\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">3.871.117<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1655 we hc5\"><div class=\"t m0 xc h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">977.008<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y1655 w30 hc5\"><div class=\"t m0 x9f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">4.848.125<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1656 w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1657 w429 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1658 w173 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.953.654<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1658 we h3b\"><div class=\"t m0 xc9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.953.654<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1659 w172 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Risikoparametern </div></td><td class=\"c x345 y1659 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-499.685<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1659 we h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.668.145<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1659 w86 h39\"><div class=\"t m0 x9f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-82.766<span class=\"fs2\"> </span></div></td><td class=\"c x348 y1659 w175 h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.080<span class=\"fs2\"> </span></div></td><td class=\"c x349 y1659 w30 h39\"><div class=\"t m0 x2b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.251.675<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165a w425 h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165b w42a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165c w173 h3b\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.993<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165c we h3b\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">965</span><span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165c w30 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.959<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165d w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165e w42b h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Ausbuchungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165f w173 h3b\"><div class=\"t m0 x36 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-2.538.742<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165f we h3b\"><div class=\"t m0 x4d h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-783.659<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165f w30 h3b\"><div class=\"t m0 x2b h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-3.322.401<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1660 w42c h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1661 w42d h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">von Abschreibungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1662 w425 h1ff\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1663 w42e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1664 w42f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">sonstigen Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1665 w173 h6f\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.052<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1665 we h6f\"><div class=\"t m0 x2d h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">61<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td class=\"c x349 y1665 w30 h6f\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.992<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1666 w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x345 y1666 w173 h39\"><div class=\"t m0 x4d h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">17.028.320<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1666 we h39\"><div class=\"t m0 xc9 h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">6.577.670<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1666 w86 h39\"><div class=\"t m0 x2b h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">470.064<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y1666 w175 h39\"><div class=\"t m0 x85 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">39.250<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y1666 w30 h39\"><div class=\"t m0 x8c h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">24.115.304<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1667 w176 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">* Die Vorjahreszahlen wurden au<span class=\"_ _0\"></span>fgrund einer Umgliederung angepasst<span class=\"_ _0\"></span>.<span class=\"ff5 fs4\"> </span></div></td><td class=\"c x34a y1668 w178 h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34b y1668 w173 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1668 w86 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">         <span class=\"ls0\">Stufe 3</span><span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1669 w430 h200\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu AC bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y166a w423 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y166b w17a h71\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x332 y166b w17b h71\"><div class=\"t m0 xf9 h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x21d y166b w17c h71\"><div class=\"t m0 x88 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x308 y166c w424 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y166d w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34a y166d w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.203<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166d w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">41.246<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y166d wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">156.213<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y166d w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">215.662<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166e w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x34a y166e w178 h37\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">954<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166e w173 h37\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.875<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y166e w17c h37\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.921<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166f w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x34a y166f w178 h37\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.855<span class=\"fs2\"> </span></div></td><td class=\"c x34b y166f w173 h37\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">7.108<span class=\"fs2\"> </span></div></td><td class=\"c x347 y166f wf h37\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">890</span><span class=\"fs2\"> </span></div></td><td class=\"c x21d y166f w17c h37\"><div class=\"t m0 x47 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.364<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1670 w177 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x34a y1670 w178 h39\"><div class=\"t m0 x42 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">525</span><span class=\"fs2\"> </span></div></td><td class=\"c x34b y1670 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.500<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1670 wf h39\"><div class=\"t m0 x72 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">53.963<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1670 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">50.939<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1671 w431 h201\"><div class=\"t m0 x177 h5 y1582 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1672 w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1673 w178 h6f\"><div class=\"t m0 x15 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">5.676<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1673 w173 h6f\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">9.426<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1673 w17c h6f\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">15.102<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1674 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Modell\u00e4nderungen </div></td><td class=\"c x34a y1674 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.070<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1674 w173 h39\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">16.766<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1674 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">14.696<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1675 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34a y1675 w178 h39\"><div class=\"t m0 x15 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">2.829<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1675 w173 h39\"><div class=\"t m0 x33 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-12.467<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1675 wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.101<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1675 w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-27.740<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1676 w432 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1677 w433 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1678 w178 h3b\"><div class=\"t m0 x14 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">10<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y1678 w173 h3b\"><div class=\"t m0 xa8 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1678 w17c h3b\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">12<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1679 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34a y1679 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.758<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1679 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.841<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1679 w17c h39\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.599<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167a w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td class=\"c x347 y167a wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167a w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y167b w425 h202\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167c w434 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _0\"></span> sonstigen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167d w435 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y167e w178 h71\"><div class=\"t m0 x10 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td class=\"c x34b y167e w173 h71\"><div class=\"t m0 xa8 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">5<span class=\"fs2\"> </span></div></td><td class=\"c x347 y167e wf h71\"><div class=\"t m0 xe h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.491<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167e w17c h71\"><div class=\"t m0 x4f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.486<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167f w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34a y167f w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.464<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y167f w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">50.869<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y167f wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">170.765<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y167f w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">240.099<span class=\"fs2 ls0\"> </span></div></td><td></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 112<span class=\"ls0\"> </span>Finanzielle Verm\u00f6genswerte er<span class=\"_ _0\"></span>folgsneutral zum Fair Value bewe<span class=\"_ _0\"></span>rtet <table class=\"s w436 h203\" id=\"_6ec41fd6-3f03-42da-97a5-adefd8145509\"><tr><td class=\"c x178 y1680 w437 h204\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu FVOCI bewerteten finanzielle<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1681 w17f h38\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34d y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x34e y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1682 w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1683 w17f h6f\"><div class=\"t m0 x70 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34d y1683 w183 h6f\"><div class=\"t m0 xc h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34f y1683 w181 h6f\"><div class=\"t m0 x79 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x1ed y1683 w182 h6f\"><div class=\"t m0 x37 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1684 w438 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1685 w17e h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34c y1685 w17f h37\"><div class=\"t m0 xe h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1685 w182 h37\"><div class=\"t m0 x4 h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y1686 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1686 w182 h39\"><div class=\"t m0 x4 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">76.911 </div></td></tr><tr><td class=\"c x1bc y1687 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1688 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1689 w439 h205\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereichten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168a w43a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">oder erworbenen V<span class=\"_ _0\"></span>erm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168b w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168c w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modell\u00e4nderungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168d w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34c y168d w17f h37\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y168d w182 h37\"><div class=\"t m0 x3b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y168e w432 h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168f w433 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1690 w17e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34c y1690 w17f h39\"><div class=\"t m0 x14 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1690 w182 h39\"><div class=\"t m0 x1e h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y1691 w17e h38\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1692 w43b h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1693 w43c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und sonstigen Anp<span class=\"_ _0\"></span>assungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1694 w17e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34c y1694 w17f h39\"><div class=\"t m0 x2c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1694 w182 h39\"><div class=\"t m0 x2d h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1695 w43d h206\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu FVOCI bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1696 w185 h37\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td></td><td class=\"c x351 y1696 w8c h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x352 y1696 w31 h37\"><div class=\"t m0 x70 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1064 w423 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1697 w185 hc7\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x351 y1697 w186 hc7\"><div class=\"t m0 x10 h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x353 y1697 w6f hc7\"><div class=\"t m0 x5b h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1698 w438 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1699 w184 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td></td><td class=\"c x350 y1699 w185 h37\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y1699 w6f h37\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y169a w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169b w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169c w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169d w431 h201\"><div class=\"t m0 x177 h5 y11cc ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169e w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169f w425 h207\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a0 w429 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a1 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td></td><td class=\"c x350 y16a1 w185 h39\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a1 w6f h39\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y16a2 w425 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a3 w43e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen  ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a4 w184 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td></td><td class=\"c x350 y16a4 w185 h37\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a4 w6f h37\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y16a5 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a6 w184 h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Wechselkurs- </div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00e4nderungen und sonst<span class=\"_ _0\"></span>igen Anpassungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a7 w184 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td></td><td class=\"c x350 y16a7 w185 hc\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a7 w6f hc\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td></tr></table>Das maximale Ausfallrisiko des Oberban<span class=\"_ _0\"></span>k-Kon<span class=\"_ _0\"></span>zerns ergibt sich aus den in der Bilanzposition<span class=\"_ _0\"></span> Barreserve enthaltenen <span class=\"_ _0\"></span> Forderungen an Nat<span class=\"_ _0\"></span>ionalbanken und den Bilanzposten Ford<span class=\"_ _0\"></span>erungen an Kreditinstitute, Forderungen an Kunden, d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span> festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er Finanzanlagen, den Kreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten ein-<span class=\"_ _128\"> </span>schlie\u00dflich nicht ausgen\u00fct<span class=\"_ _0\"></span>zter Kreditrahmen sowie den Operating Leasing Forderun<span class=\"_ _0\"></span>gen und bel\u00e4uft sich auf 30.804 Mio.<span class=\"_ _0\"></span> Euro (Vorjahr 31.304 Mio.<span class=\"_ _0\"></span> Euro). Diesem Wert stehen in<span class=\"_ _0\"></span>sgesamt Kreditsicherheiten in<span class=\"_ _0\"></span> der H\u00f6he von 13.017,7 Mio. Euro<span class=\"_ _128\"> </span> (Vorjahr 12.135,9 Mio. Eur<span class=\"_ _0\"></span>o) gegen\u00fcber, davon f\u00fcr wertberichtigte und non<span class=\"_ _1\"></span>-performing Forderungen 303,5 Mio. Euro (Vor-<span class=\"_ _128\"> </span>jahr 218,0 Mio. Euro). In<span class=\"_ _0\"></span> den Zinsen und \u00e4hnlichen Ertr\u00e4gen ist ein Betrag in<span class=\"_ _1\"></span> H\u00f6he von 17,8 Mio. Euro (Vorjahr 11,9 Mio.<span class=\"_ _0\"></span> Euro) aus wertgemindert<span class=\"_ _0\"></span>en Forderungen an Kunden enthalten.<span class=\"_ _0\"></span> Das maximale Ausfallrisiko aus den n<span class=\"_ _0\"></span>ach Fair Value bewerteten Forderungen ent<span class=\"_ _0\"></span>spricht dem beizulegenden Zeitwert.<span class=\"_ _1\"></span> Die Impairment-Krit<span class=\"_ _0\"></span>erien f\u00fcr in den Fina<span class=\"ff9\">nzan<span class=\"_ _0\"></span>lagen enthaltene Schuldtitel sind unter Note 2.5, \u201eWertminderu<span class=\"_ _0\"></span>ng bei </span> Schuldtiteln\u201c, dargestellt.<span class=\"ff4\"> <span class=\"_ _7\"> </span> </span>Konzernabschluss<span class=\"_ _0\"></span> 113<span class=\"ls0\"> </span>Non-performing loans<span class=\"_ _128\"> </span> Als notleidend (non<span class=\"_ _0\"></span>-performing) werden Forderungen klassifiziert,<span class=\"_ _0\"></span> auf die ein Ausfallkriterium im Sinne der CRR II zut<span class=\"_ _0\"></span>rifft:<span class=\"_ _128\"> </span> Eine wesentliche Ford<span class=\"_ _0\"></span>erung ist mehr als 90 Tage \u00fcberf\u00e4llig oder die vo<span class=\"_ _0\"></span>lle R\u00fcckzahlung der Forderung ist unwahrscheinlich.<span class=\"_ _128\"> </span> Nachstehende Elemente sind<span class=\"_ _0\"></span> als Hinweis zu sehen, dass eine Forderung w<span class=\"_ _0\"></span>ahrscheinlich nicht in voller H\u00f6he beglichen wird<span class=\"_ _0\"></span>:<span class=\"_ _0\"></span> 1. Verzicht auf die lau<span class=\"_ _0\"></span>fende Belastung von Zinsen<span class=\"_ _0\"></span> 2. Neubildung einer Kred<span class=\"_ _0\"></span>itrisikoanpassung in Stufe 3 aufgrund einer deutlichen Verschlechteru<span class=\"_ _0\"></span>ng der Bonit\u00e4t;<span class=\"_ _1\"></span> 3. Restrukturierung des Kred<span class=\"_ _0\"></span>itengagements;<span class=\"_ _128\"> </span> 4. Einleitung von Betr<span class=\"_ _0\"></span>eibungsma\u00dfnahmen wegen Zah<span class=\"_ _0\"></span>lungsunf\u00e4higkeit /-un<span class=\"_ _0\"></span>willigkeit, Betrug oder sonstiger Gr\u00fcnde;<span class=\"_ _0\"></span> 5. Forderungsver<span class=\"_ _0\"></span>kauf mit bedeutendem, bonit\u00e4tsbedingtem Verlust;<span class=\"_ _0\"></span> 6. Insolvenz.<span class=\"_ _128\"> </span> 7. Weitere Nachsichtsma\u00dfn<span class=\"_ _0\"></span>ahme bei einer bereits mit Nachsicht gekennzeichneter Ford<span class=\"_ _0\"></span>erung.<span class=\"_ _0\"></span> Diese Forderungen we<span class=\"_ _0\"></span><span class=\"ff9\">rden in der Kategorie not<span class=\"_ _0\"></span>leidend (\u201enon<span class=\"_ _0\"></span></span>-<span class=\"ff9\">performing\u201c) dargestellt und sind Teil der fo<span class=\"_ _0\"></span>lgenden </span> Bilanzposten. Weiters l\u00e4sst<span class=\"_ _0\"></span> sich die Entwicklung der Kennzah<span class=\"_ _0\"></span>l \u201eNon<span class=\"ff4\">-</span>perfo<span class=\"_ _0\"></span>rming loans Ratio\u201c und der \u201eNon<span class=\"_ _0\"></span><span class=\"ff4\">-performing<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span>Coverage Ratio\u201c aus d<span class=\"_ _0\"></span>er unten stehenden Tabelle <span class=\"ff4\">ab<span class=\"_ _0\"></span>lesen.</span><span class=\"ff4\"> </span><table class=\"s w43f h208\" id=\"_3e644fd3-bbc7-4201-8b25-00daaae361ed\"><tr><td></td><td></td><td></td><td class=\"c x354 y16a8 w440 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NPL nach Abzug von Risikovorsor-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16a9 w188 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div><div class=\"t m0 x14 h15 ye9 ff4 fs5 fc2 sc0 ls30 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x355 y16a9 w189 h3b\" colspan=\"2\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">NPL vor Abzug von Risikovorsorgen<span class=\"_ _0\"></span> </div></td><td class=\"c x354 y16aa w441 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16ab w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzposition<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ab w18b h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x219 y16ab w169 h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x356 y16ab w18c h39\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x319 y16ab waa h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y16ac w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ac w18b h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16ac w169 h39\"><div class=\"t m0 x120 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16ac w18c h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x319 y16ac waa h39\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y16ad w188 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ad w18b h37\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">509.314<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16ad w169 h37\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">381.882<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16ad w18c h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">338.548<span class=\"_ _128\"> </span> </div></td><td class=\"c x319 y16ad w18d h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.368<span class=\"_ _128\"> </span> </div></td></tr><tr><td></td><td></td><td class=\"c x355 y16ae w189 h39\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">vor Abzug von Risikovorsorgen<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16ae w18e h39\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">nach Abzug von Risikovorsorgen<span class=\"_ _0\"></span> </div></td></tr><tr><td></td><td class=\"c x355 y16af w18b h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x219 y16af w169 h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x356 y16af w18f h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x357 y16af we h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y16b0 w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing loans Ratio brutto<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b0 w18b h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2,49%<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16b0 w169 h39\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,96%<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16b0 w18f h39\"><div class=\"t m0 x69 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x357 y16b0 we h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y16b1 w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing loans Ratio netto<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b1 w18b h39\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16b1 w169 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16b1 w18f h39\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,67%<span class=\"_ _128\"> </span> </div></td><td class=\"c x357 y16b1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,18%<span class=\"_ _128\"> </span> </div></td></tr><tr><td></td><td class=\"c x355 y16b2 w189 h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x356 y16b2 w18e h39\"><div class=\"t m0 x38 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16b3 w188 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">NPL vor Abzug von <span class=\"_ _0\"></span>Risikovorsorgen<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16b3 w189 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">509.314<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b3 w18e h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">381.882<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x2c6 y16b4 w188 ha0\"><div class=\"t m0 x90 h5 y31c ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stage 3 und<span class=\"_ _0\"></span> Sicherhei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ten f\u00fcr Non performing loan<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16b4 w189 ha0\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.630<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b4 w18e ha0\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">355.603<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x2c6 y16b5 w188 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing Coverage Ratio<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b5 w189 h37\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">87,69%<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b5 w18e h37\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">93,12%<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x199 y16b6 w3 h3\"><div class=\"t m0 x3 h15 y4fc ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x1e h5 y7ca ff4 fs2 fc2 sc0 ls0 ws0\"> Bei den Werten hand<span class=\"_ _0\"></span>elt es sich um Bilanzwert<span class=\"_ _0\"></span>e. </div><div class=\"t m0 x3 h5 y67f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 ya18 ff4 fs2 fc2 sc0 ls0 ws0\">Das non-perfor<span class=\"_ _0\"></span>ming Kreditrisikovolumen (On- u<span class=\"_ _0\"></span>nd Off-Balance) wird in der nachfolgend<span class=\"_ _0\"></span>en Tabelle den Risikovorsorgen und </div><div class=\"t m0 x3 h5 y45c ff4 fs2 fc2 sc0 ls0 ws0\">den Sicherheiten nach Br<span class=\"_ _0\"></span>anche gegen\u00fcbergestellt. </div><div class=\"t m0 x3 h5 y737 ff4 fs2 fc2 sc0 ls0 ws0\">Im Bilanzerhellungszeitraum wurd<span class=\"_ _0\"></span>en noch weitere 6,5 Mio. EUR Risikovorsorgen Stu<span class=\"_ _0\"></span>fe 3 Off<span class=\"_ _0\"></span>-Balance gebildet. Die Kunden<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 ya19 ff4 fs2 fc2 sc0 ls0 ws0\">wurden im J\u00e4nner zeitn<span class=\"_ _0\"></span>ah auf Non-performin<span class=\"_ _0\"></span>g umgestellt. </div><div class=\"t m0 x3 h5 ya1a ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w442 h209\" id=\"_2d2ef00f-c273-405b-a14b-f243010e7435\"><tr><td class=\"c x178 y16b7 w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16b8 w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16b9 w191 h39\" colspan=\"2\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td class=\"c x178 y16ba w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16bb w444 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16bc w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16bc w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16bc w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16bd w445 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16be w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x35d y16be we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.643 </div></td><td class=\"c x359 y16be w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">520<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16be w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">133<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16be w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">902<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16bf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16bf we h37\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16bf w192 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16bf w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16bf w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16c0 w190 h38\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16c0 we h38\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.443 </div></td><td class=\"c x359 y16c0 w192 h38\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">31.829 </div></td><td class=\"c x205 y16c0 w193 h38\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.236 </div></td><td class=\"c x35b y16c0 w54 h38\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">82.917 </div></td></tr><tr><td class=\"c x174 y16c1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16c1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.424 </div></td><td class=\"c x359 y16c1 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c1 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c1 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.585 </div></td></tr><tr><td class=\"c x174 y16c2 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16c2 we h3a\"><div class=\"t m0 xd h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">427<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16c2 w192 h3a\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">102<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c2 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c2 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">234<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16c3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16c3 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x359 y16c3 w192 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.614 </div></td><td class=\"c x205 y16c3 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.655 </div></td><td class=\"c x35b y16c3 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.946 </div></td></tr><tr><td class=\"c x174 y16c4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16c4 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.145 </div></td><td class=\"c x359 y16c4 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.363 </div></td><td class=\"c x205 y16c4 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.888 </div></td><td class=\"c x35b y16c4 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.019 </div></td></tr><tr><td class=\"c x174 y16c5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16c5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.709 </div></td><td class=\"c x359 y16c5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.539 </div></td><td class=\"c x205 y16c5 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">840<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.805 </div></td></tr><tr><td class=\"c x174 y16c6 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16c6 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.549 </div></td><td class=\"c x359 y16c6 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.028 </div></td><td class=\"c x205 y16c6 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.622 </div></td><td class=\"c x35b y16c6 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.238 </div></td></tr><tr><td class=\"c x174 y16c7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16c7 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.380 </div></td><td class=\"c x359 y16c7 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">639<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c7 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">13<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c7 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.217 </div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 114<span class=\"ls0\"> </span><table class=\"s w442 h20a\" id=\"_9710281b-a7f9-452c-9e4e-8a8ea5edff0b\"><tr><td class=\"c x178 y16c8 w446 h20b\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div></td><td class=\"c x35d y16c9 we ha0\"><div class=\"t m0 x14 h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.405 </div></td><td></td><td class=\"c x205 y16c9 w193 ha0\"><div class=\"t m0 x94 h5 ya24 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c9 w54 ha0\"><div class=\"t m0 x2f h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.019 </div></td></tr><tr><td class=\"c x178 y16ca w447 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">tungen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x359 y16c9 w192 ha0\"><div class=\"t m0 x34 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">366<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y16cb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswe-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16cb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">50.495 </div></td><td class=\"c x359 y16cb w192 h3a\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.962 </div></td><td class=\"c x205 y16cb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">4.060 </div></td><td class=\"c x35b y16cb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">31.679 </div></td></tr><tr><td class=\"c x174 y16cc w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16cc we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">66.814 </div></td><td class=\"c x359 y16cc w192 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.394 </div></td><td class=\"c x205 y16cc w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">544<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cc w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">30.922 </div></td></tr><tr><td class=\"c x174 y16cd w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16cd we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">10.190 </div></td><td class=\"c x359 y16cd w192 h3a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.064 </div></td><td class=\"c x205 y16cd w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cd w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.501 </div></td></tr><tr><td class=\"c x174 y16ce w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ce we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ce w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ce w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ce w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16cf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x35d y16cf we h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">307<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16cf w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">176<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16cf w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cf w54 h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">116<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16d0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.269 </div></td><td class=\"c x359 y16d0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">496<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d0 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.317 </div></td></tr><tr><td class=\"c x174 y16d1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16d1 we h3b\"><div class=\"t m0 xd h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">988<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d1 w192 h3b\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">421<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d1 w193 h3b\"><div class=\"t m0 xad h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d1 w54 h3b\"><div class=\"t m0 x40 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">489<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16d2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.907 </div></td><td class=\"c x359 y16d2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.288 </div></td></tr><tr><td class=\"c x174 y16d3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16d3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.934 </div></td><td class=\"c x359 y16d3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.304 </div></td><td class=\"c x205 y16d3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">486<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.300 </div></td></tr><tr><td class=\"c x174 y16d4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x35d y16d4 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16d4 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16d4 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d4 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16d5 w448 h20c\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16d6 w193 ha0\"><div class=\"t m0 x30 h5 ya2e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x178 y16d7 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16d8 w190 h37\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16d8 we h37\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d8 w192 h37\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d8 w193 h37\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d8 w54 h37\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y16d9 w3fc h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16da w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16db w191 h39\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y16dc w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16dd w444 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16de w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16de w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16de w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16df w445 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16e0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x35d y16e0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.012 </div></td><td class=\"c x359 y16e0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e0 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.267 </div></td></tr><tr><td class=\"c x174 y16e1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16e1 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16e1 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16e1 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16e1 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16e2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16e2 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">89.886 </div></td><td class=\"c x359 y16e2 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.634 </div></td><td class=\"c x205 y16e2 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.647 </div></td><td class=\"c x35b y16e2 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.999 </div></td></tr><tr><td class=\"c x174 y16e3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16e3 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505 </div></td><td class=\"c x359 y16e3 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">483<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e3 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e3 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.183 </div></td></tr><tr><td class=\"c x174 y16e4 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16e4 we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">1.469 </div></td><td class=\"c x359 y16e4 w192 h3a\"><div class=\"t m0 x34 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">247<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e4 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e4 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">804<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16e5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16e5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.649 </div></td><td class=\"c x359 y16e5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.100 </div></td><td class=\"c x205 y16e5 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.753 </div></td><td class=\"c x35b y16e5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.839 </div></td></tr><tr><td class=\"c x174 y16e6 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16e6 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.123 </div></td><td class=\"c x359 y16e6 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.304 </div></td><td class=\"c x205 y16e6 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.672 </div></td><td class=\"c x35b y16e6 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.709 </div></td></tr><tr><td class=\"c x174 y16e7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16e7 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">26.247 </div></td><td class=\"c x359 y16e7 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.764 </div></td><td class=\"c x205 y16e7 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">273<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e7 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.785 </div></td></tr><tr><td class=\"c x174 y16e8 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16e8 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.744 </div></td><td class=\"c x359 y16e8 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.144 </div></td><td class=\"c x205 y16e8 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.671 </div></td><td class=\"c x35b y16e8 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.681 </div></td></tr><tr><td class=\"c x174 y16e9 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16e9 we h3c\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.959 </div></td><td class=\"c x359 y16e9 w192 h3c\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.866 </div></td><td class=\"c x205 y16e9 w193 h3c\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e9 w54 h3c\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.061 </div></td></tr><tr><td class=\"c x174 y16ea w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ea we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.847 </div></td><td class=\"c x359 y16ea w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">357<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ea w193 h3b\"><div class=\"t m0 x94 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">61<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ea w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.431 </div></td></tr><tr><td class=\"c x174 y16eb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls32 ws0\">L <span class=\"ls0\">Grundst\u00fc<span class=\"_ _0\"></span>cks- und Wohnungswe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16eb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">46.507 </div></td><td class=\"c x359 y16eb w192 h3a\"><div class=\"t m0 xf9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">15.481 </div></td><td class=\"c x205 y16eb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">7.107 </div></td><td class=\"c x35b y16eb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">28.350 </div></td></tr><tr><td class=\"c x174 y16ec w190 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ec we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">43.713 </div></td><td class=\"c x359 y16ec w192 h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">16.342 </div></td><td class=\"c x205 y16ec w193 h3b\"><div class=\"t m0 x6 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.392 </div></td><td class=\"c x35b y16ec w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.029 </div></td></tr><tr><td class=\"c x174 y16ed w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16ed we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">8.698 </div></td><td class=\"c x359 y16ed w192 h3a\"><div class=\"t m0 x2d h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">2.396 </div></td><td class=\"c x205 y16ed w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">389<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ed w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.660 </div></td></tr><tr><td class=\"c x174 y16ee w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ee we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ee w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ee w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ee w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16ef w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und U<span class=\"_ _0\"></span>nterricht </div></td><td class=\"c x35d y16ef we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">540<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ef w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">158<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ef w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ef w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">365<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16f0 we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">137<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f0 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x35b y16f0 w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16f1 we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.686 </div></td><td class=\"c x359 y16f1 w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">948<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f1 w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f1 w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.984 </div></td></tr><tr><td class=\"c x174 y16f2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16f2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.051 </div></td><td class=\"c x359 y16f2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">634<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">32<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.318 </div></td></tr><tr><td class=\"c x174 y16f3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16f3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.133 </div></td><td class=\"c x359 y16f3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.928 </div></td><td class=\"c x205 y16f3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">318<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.255 </div></td></tr><tr><td class=\"c x174 y16f4 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>ionen </div></td><td class=\"c x35d y16f4 we h3c\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16f4 w192 h3c\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16f4 w193 h3c\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16f4 w54 h3c\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16f5 w448 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16f6 w193 h3b\"><div class=\"t m0 x30 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">75.776 </div></td><td></td></tr><tr><td class=\"c x178 y16f7 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16f8 w190 h39\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16f8 we h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f8 w192 h39\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f8 w193 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f8 w54 h39\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>Weiters erfolgt noch eine Darstellung d<span class=\"_ _0\"></span>es non<span class=\"_ _0\"></span>-performing Kreditrisikovolumens, der R<span class=\"_ _0\"></span>isikovorsorgen und der Sicherheiten<span class=\"_ _128\"> </span> nach Regionen. <span class=\"_ _7\"> </span> Konzernabschluss<span class=\"_ _0\"></span> 115<span class=\"ls0\"> </span><table class=\"s w44a h20d\" id=\"_9e698291-df94-445b-a8b6-750dffe19edd\"><tr><td></td><td class=\"c x35e y16f9 w44b h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fa we3 h3e\" colspan=\"2\"><div class=\"t m0 x11 h6 ya45 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td></td><td class=\"c x360 y16fb w44c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x361 y16fc w3f8 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x362 y16fd w44d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fe w54 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y16fe w10 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y16fe w54 h43\"><div class=\"t m0 x5b h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x361 y16ff w44e h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1700 w197 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1700 w196 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">229.534 </div></td><td class=\"c x367 y1700 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.349 </div></td><td class=\"c x368 y1700 w10 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.079 </div></td><td class=\"c x369 y1700 w54 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">126.144 </div></td></tr><tr><td class=\"c x365 y1701 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1701 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.555 </div></td><td class=\"c x367 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.097 </div></td><td class=\"c x368 y1701 w10 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.319 </div></td><td class=\"c x369 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.939 </div></td></tr><tr><td class=\"c x365 y1702 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1702 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.682 </div></td><td class=\"c x367 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.295 </div></td><td class=\"c x368 y1702 w10 h12\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.838 </div></td><td class=\"c x369 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.075 </div></td></tr><tr><td class=\"c x365 y1703 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1703 w196 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">382<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1703 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">189<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1703 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x369 y1703 w54 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">31<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x365 y1704 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1704 w196 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x367 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x368 y1704 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1705 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1705 w196 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.170 </div></td><td class=\"c x367 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.831 </div></td><td class=\"c x368 y1705 w10 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.304 </div></td></tr><tr><td class=\"c x178 y1706 w44f h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuorden<span class=\"_ _0\"></span>bare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1707 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1708 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x365 y1709 w197 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y1709 w196 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1709 w10 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x36a y170a w44b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170b w19a h34\"><div class=\"t m0 x4d h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x36c y170c w44c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x36d y170d w3f8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x36e y170e w44d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170f w122 h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y170f w19b h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y170f we1 h7f\"><div class=\"t m0 x37 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x36d y1710 w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1711 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1711 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.970 </div></td><td class=\"c x367 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.121 </div></td><td class=\"c x368 y1711 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.803 </div></td><td class=\"c x369 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.098 </div></td></tr><tr><td class=\"c x365 y1712 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1712 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">112.775 </div></td><td class=\"c x367 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.844 </div></td><td class=\"c x368 y1712 w10 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.132 </div></td><td class=\"c x369 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.070 </div></td></tr><tr><td class=\"c x365 y1713 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1713 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.361 </div></td><td class=\"c x367 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.004 </div></td><td class=\"c x368 y1713 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.811 </div></td><td class=\"c x369 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.268 </div></td></tr><tr><td class=\"c x365 y1714 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1714 w196 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">76<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1714 w54 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">71<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1714 w10 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1714 w54 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1715 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1715 w196 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x368 y1715 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1716 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1716 w196 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.052 </div></td><td class=\"c x367 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1716 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1717 w450 h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuo<span class=\"_ _0\"></span>rdenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1718 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1719 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.119 </div></td><td></td></tr><tr><td class=\"c x365 y11b5 w197 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y11b5 w196 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x367 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x368 y11b5 w10 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x369 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>Die geografisch nicht zuord<span class=\"_ _0\"></span>enbaren Risikovorsorgen ergeben sich zu einem Gro\u00dfteil aus <span class=\"_ _0\"></span>den freien R\u00fcckstellungen der AL-<span class=\"_ _128\"> </span>GAR, die in der Folge n\u00e4h<span class=\"_ _0\"></span>er erl\u00e4utert werden:<span class=\"_ _128\"> </span> Die Oberbank AG, die BKS AG und d<span class=\"_ _0\"></span>ie BTV AG sind zu 50% bzw. jeweils 25% an der Alp<span class=\"_ _0\"></span>enl\u00e4ndische Garantie<span class=\"_ _0\"></span>-Gesellschaft<span class=\"_ _128\"> </span> m.b.H. (idF kurz \u201eALGAR\u201c) <span class=\"_ _0\"></span>beteiligt. Gesch\u00e4ftsgegenstand d<span class=\"_ _0\"></span>er ALGAR, die \u00fcber eine eingeschr\u00e4nkt<span class=\"_ _0\"></span>e Bankkonzession verf\u00fcgt,<span class=\"_ _128\"> </span> ist die \u00dcbernahme vo<span class=\"_ _0\"></span>n Ausfallrisiken f\u00fcr definierte Kredite und Darlehen<span class=\"_ _0\"></span> der Gesellschafterbanken, wobei das Ausma\u00df d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> Inanspruchnahme mit d<span class=\"_ _0\"></span>em in der ALGAR vorhandenen Verm\u00f6gen, w<span class=\"_ _0\"></span>elches nicht f\u00fcr bereits in Anspruch geno<span class=\"_ _0\"></span>mmenen Ga-<span class=\"_ _128\"> </span>rantieleistungen reserviert ist, begrenzt ist<span class=\"_ _0\"></span> (H\u00f6chstbetr<span class=\"_ _0\"></span>ag der R\u00fcckstellung f\u00fcr erwartete k\u00fcnftige Inanspruchn<span class=\"_ _0\"></span>ahmen). Die<span class=\"_ _128\"> </span> Laufzeit der Garantie ist zeitlich un<span class=\"_ _0\"></span>limitiert. Die Gesellschafterbanken haben laufend<span class=\"_ _0\"></span> ein Garantieentgelt zu leisten, welche<span class=\"_ _0\"></span><span class=\"ls33\">s<span class=\"_ _128\"> </span></span><span class=\"ls33\"> </span>sich im Falle einer Entn<span class=\"_ _0\"></span>ahme entsprechend zuk\u00fcnftig<span class=\"_ _0\"></span> erh\u00f6ht (Malusregelung). <span class=\"_ _0\"></span> Zum 31. Dezember 2022 stehen<span class=\"_ _0\"></span> einem von den Gesellschafterbanken<span class=\"_ _0\"></span> eingemeldeten und von der Garantie umfasst<span class=\"_ _0\"></span>en Volu-<span class=\"_ _128\"> </span>men eine R\u00fcckstellung f\u00fcr erw<span class=\"_ _0\"></span>artete k\u00fcnftige Inanspruchnahmen in der ALGAR<span class=\"_ _0\"></span> von 179.640 Tsd. EUR gegen\u00fcber. Da der f\u00fcr<span class=\"_ _1\"></span> das Garantievolumen ermittelte erwartet<span class=\"_ _0\"></span>e Kreditverlust den H\u00f6chstbetrag der R\u00fcckstellung f\u00fcr erwartete k\u00fcn<span class=\"_ _0\"></span>ftige Inan-<span class=\"_ _128\"> </span>spruchnahmen b<span class=\"_ _0\"></span>ei weitem \u00fcbersteigt, greift zu diesem Stichtag die oben an<span class=\"_ _0\"></span>gef\u00fchrte Begrenzungsregelung.<span class=\"_ _0\"></span> Aufgrund der besond<span class=\"_ _0\"></span>eren gesellschaftsvert<span class=\"_ _0\"></span>raglichen Bestimmungen sowie des mit der Bank f\u00fcr T<span class=\"_ _0\"></span>irol und Vorarlberg Aktien-<span class=\"_ _128\"> </span>gesellschaft und mit der BKS Bank AG <span class=\"_ _0\"></span>geschlossenen Gesellschafter\u00fcb<span class=\"_ _0\"></span>ereinkommens wird die ALGAR als Gemeinschaftliche<span class=\"_ _128\"> </span> T\u00e4tigkeit (Joint Operation<span class=\"_ _0\"></span>) iSd IFRS 11 in den Konzern de<span class=\"_ _0\"></span>r Oberbank AG einbezogen.<span class=\"_ _128\"> </span> Insoweit seitens der Gesellschafterban<span class=\"_ _0\"></span>ken bereits Garantien der ALGAR aufgrund eines Au<span class=\"_ _0\"></span>sfalles in Anspruch genommen<span class=\"_ _128\"> </span> wurden, werden im Rah<span class=\"_ _0\"></span>men der Konzernrechnungslegung die in der ALGAR daf\u00fcr<span class=\"_ _0\"></span> vorgenommenen R\u00fcckstellungen der je-<span class=\"_ _128\"> </span>weiligen betroffenen Gesellschaft<span class=\"_ _0\"></span>erbank zugeordnet. Dies betrifft ebenso<span class=\"_ _0\"></span> die im Rahmen der vorl\u00e4ufigen Gar<span class=\"_ _0\"></span>antieerkl\u00e4run-<span class=\"_ _128\"> </span>gen angemeldeten Kreditobligos, f\u00fc<span class=\"_ _0\"></span>r die in der ALGAR bereits Risikovorsorgen gebildet wurden.     <span class=\"_ _1\"></span> Die seitens der ALGAR vorgenommenen R\u00fcckst<span class=\"_ _0\"></span>ellungen f\u00fcr<span class=\"_ _0\"></span> erwartete Kreditverluste f\u00fcr das noch nicht ausgefallene Garan-<span class=\"_ _128\"> </span>tievolumen werden von<span class=\"_ _0\"></span> den Gesellsc<span class=\"_ _5\"></span>hafterban<span class=\"_ _0\"></span>ken mangels einer eindeutigen Zuo<span class=\"_ _0\"></span>rdenbarkeit der Vorsorgen zu spezifischen<span class=\"_ _128\"> </span> garantierten Krediten und Dar<span class=\"_ _0\"></span>lehen entsprechend dem Beteiligung<span class=\"_ _0\"></span>sverh<span class=\"_ _0\"></span>\u00e4ltnis in den Konzern einbezogen. <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Konzernabschluss<span class=\"_ _0\"></span> 116<span class=\"ls0\"> </span>Hieraus ergibt sich f\u00fcr die Oberban<span class=\"_ _0\"></span>k AG die \u00dcbernahme von R\u00fcckstellungen f\u00fc<span class=\"_ _0\"></span>r erwartete Kreditverluste von nicht eind<span class=\"_ _0\"></span>eutig<span class=\"_ _128\"> </span> zuordenbaren Kred<span class=\"_ _0\"></span>itrisiken in H\u00f6he von 89.820 Tsd. EUR.<span class=\"_ _0\"></span> Dar\u00fcber hinaus gibt es noch Risikovo<span class=\"_ _0\"></span><span class=\"ff9\">rsorgen f\u00fcr ECLs der Stu<span class=\"_ _0\"></span>fen 1 und 2 f\u00fcr die \u201eperforming\u201c<span class=\"_ _0\"></span></span>-Kategorien mit einem Volu-<span class=\"_ _128\"> </span>men von 88.896 Tsd<span class=\"_ _0\"></span>. EUR (Vorjahr: 80.782 Tsd. EUR).<span class=\"_ _128\"> </span> Risikovorsorgen gem\u00e4\u00df IFRS 9 nach Bonit\u00e4tsstruktur<span class=\"_ _0\"></span> Die Risikovorsorgen werden gem\u00e4\u00df IFRS 9 f\u00fc<span class=\"_ _0\"></span>r Kreditverluste s\u00e4mtlicher <span class=\"_ _0\"></span>Position<span class=\"_ _0\"></span>en des Kreditrisikovolumens berechnet, die<span class=\"_ _128\"> </span> zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten oder erfolgsneutral zum Fair Value bewertet<span class=\"_ _0\"></span> werden. Dies umfasst Kredite und D<span class=\"_ _0\"></span>arle-<span class=\"_ _128\"> </span>hen, Schuldverschreibungen,<span class=\"_ _0\"></span> Forderungen aus Finanzierungsleasing sowie Forderungen aus <span class=\"_ _1\"></span>Lieferungen und Leistungen.<span class=\"_ _128\"> </span> R\u00fcckstellungen f\u00fcr Finan<span class=\"_ _0\"></span>zgarantien und nicht ausgen\u00fctzte Kreditr<span class=\"_ _0\"></span>ahmen werden berechnet, sofern sie den IFRS 9 Bestim-<span class=\"_ _128\"> </span>mungen f\u00fcr Impairment unt<span class=\"_ _0\"></span>erliegen. <table class=\"s w451 h20e\" id=\"_004c9ba9-af07-40ce-bdca-b9cbbc25bc02\"><tr><td class=\"c x178 y171a w452 h20f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171b w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y171b w37 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y171b w36 h39\" colspan=\"2\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td></tr><tr><td class=\"c x178 y171c w453 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171d w19c hcd\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y171d w19d hcd\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y171d w19e hcd\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y171d w19f hcd\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y171e w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y171f w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.216.228 </div></td><td class=\"c x370 y171f w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.630.975 </div></td><td></td><td></td><td class=\"c x373 y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.847.202 </div></td></tr><tr><td class=\"c x1dc y1720 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y1720 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.041.996 </div></td><td class=\"c x370 y1720 w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.577.866 </div></td><td></td><td class=\"c x372 y1720 w40 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">15<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1720 w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.619.876 </div></td></tr><tr><td class=\"c x1dc y1721 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y1721 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.095 </div></td><td class=\"c x370 y1721 w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">368.830 </div></td><td></td><td class=\"c x372 y1721 w40 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.167 </div></td><td class=\"c x373 y1721 w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">444.091 </div></td></tr><tr><td class=\"c x1dc y1722 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">470.064 </div></td><td class=\"c x372 y1722 w40 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.068 </div></td><td class=\"c x373 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.133 </div></td></tr><tr><td class=\"c x1dc y1723 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.332.318<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1723 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.577.670<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1723 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">470.064<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1723 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.419.302<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1724 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1724 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.500 </div></td><td class=\"c x370 y1724 w37 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.869 </div></td><td class=\"c x371 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-170.765 </div></td><td></td><td class=\"c x373 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-240.134 </div></td></tr><tr><td class=\"c x1dc y1725 w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.313.818<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1725 w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.526.801<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1725 w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">299.300<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1725 w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.179.168<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1726 w452 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y1727 w37 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1728 w453 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1729 w19c h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y1729 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y1729 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y1729 w19f h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y172a w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y172b w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.835.616 </div></td><td class=\"c x370 y172b w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.061.195 </div></td><td></td><td></td><td class=\"c x373 y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.896.811 </div></td></tr><tr><td class=\"c x1dc y172c w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y172c w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.871.148 </div></td><td class=\"c x370 y172c w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.014.364 </div></td><td></td><td class=\"c x372 y172c w40 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4 </div></td><td class=\"c x373 y172c w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.885.516 </div></td></tr><tr><td class=\"c x1dc y172d w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y172d w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.377 </div></td><td class=\"c x370 y172d w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">515.098 </div></td><td></td><td></td><td class=\"c x373 y172d w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">590.475 </div></td></tr><tr><td class=\"c x1dc y172e w12f h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">342.671 </div></td><td class=\"c x372 y172e w40 h3c\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.325 </div></td><td class=\"c x373 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.996 </div></td></tr><tr><td class=\"c x1dc y172f w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.782.141<span class=\"ls0\"> </span></div></td><td class=\"c x370 y172f w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.590.657<span class=\"ls0\"> </span></div></td><td class=\"c x371 y172f w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">342.671<span class=\"ls0\"> </span></div></td><td class=\"c x372 y172f w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.755.798<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1730 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1730 w36 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.251 </div></td><td class=\"c x370 y1730 w37 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.246 </div></td><td class=\"c x371 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-156.213 </div></td><td></td><td class=\"c x373 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-215.710 </div></td></tr><tr><td class=\"c x1dc y1731 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.763.890<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1731 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.549.411<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1731 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">186.458<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1731 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.540.089<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1732 w454 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y1733 w40 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1734 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1735 w19f h53\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1735 w19d h53\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1735 w19e h53\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1735 w19c h53\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1736 w456 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1737 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.778 </div></td><td class=\"c x375 y1737 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">361.409 </div></td><td></td><td></td><td class=\"c x378 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.394.187 </div></td></tr><tr><td class=\"c x1dc y1738 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.560 </div></td><td class=\"c x375 y1738 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">464.486 </div></td><td></td><td class=\"c x377 y1738 w37 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.050.057 </div></td></tr><tr><td class=\"c x1dc y1739 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.235 </div></td><td class=\"c x375 y1739 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.487 </div></td><td></td><td></td><td class=\"c x378 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.723 </div></td></tr><tr><td class=\"c x1dc y173a w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.972 </div></td><td class=\"c x377 y173a w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">16<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.988 </div></td></tr><tr><td class=\"c x1dc y173b w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.629.573<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173b w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">850.382<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173b w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">8.972<span class=\"ls0\"> </span></div></td><td class=\"c x377 y173b w37 h37\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">28<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.488.955<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y173c w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y173c w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.525 </div></td><td class=\"c x375 y173c w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.390 </div></td><td class=\"c x307 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-113.663 </div></td><td class=\"c x377 y173c w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">219</span> </div></td><td class=\"c x378 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-127.796 </div></td></tr><tr><td class=\"c x1dc y173d w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.622.048<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173d w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">843.993<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173d w36 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104.691</span> </div></td><td class=\"c x377 y173d w37 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">191</span> </div></td><td class=\"c x378 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.361.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y173e w454 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y173f w40 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1740 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1741 w19f h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1741 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1741 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1741 w19c h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1742 w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1743 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.228.527 </div></td><td class=\"c x375 y1743 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.875 </div></td><td></td><td></td><td class=\"c x378 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.267.402 </div></td></tr><tr><td class=\"c x1dc y1744 w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.858.508 </div></td><td class=\"c x375 y1744 w40 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">293.533 </div></td><td></td><td class=\"c x377 y1744 w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.152.078 </div></td></tr><tr><td class=\"c x1dc y1745 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.906 </div></td><td class=\"c x375 y1745 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.425 </div></td><td></td><td></td><td class=\"c x378 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.331 </div></td></tr><tr><td class=\"c x1dc y1746 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.342 </div></td><td class=\"c x377 y1746 w37 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.048 </div></td><td class=\"c x378 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.390 </div></td></tr><tr><td class=\"c x1dc y1747 w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.104.941<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1747 w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">376.834<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1747 w36 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">12.342<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1747 w37 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.084<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.499.201<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1748 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.878 </div></td><td class=\"c x375 y1748 w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.125 </div></td><td class=\"c x307 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.080 </div></td><td class=\"c x377 y1748 w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">413</span> </div></td><td class=\"c x378 y1748 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.496 </div></td></tr><tr><td class=\"c x1dc y1749 w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.095.063<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1749 w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">370.708<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1749 w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.262<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1749 w37 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.671<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.475.705<span class=\"ls0\"> </span></div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 117<span class=\"ls0\"> </span>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span> per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span> Stage 2<span class=\"_ _128\"> </span> Stage 3<span class=\"_ _128\"> </span> 12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>POCI<span class=\"_ _128\"> </span> Gesamt<span class=\"_ _128\"> </span> Sehr gut<span class=\"_ _128\"> </span> 733.938<span class=\"_ _128\"> </span> 224.989<span class=\"_ _128\"> </span> 958.928<span class=\"_ _128\"> </span> Gut<span class=\"_ _128\"> </span> 543.937<span class=\"_ _128\"> </span> 96.809<span class=\"_ _128\"> </span> 640.747<span class=\"_ _128\"> </span> Mangelhaft<span class=\"_ _128\"> </span> 2.507<span class=\"_ _128\"> </span> 16.782<span class=\"_ _128\"> </span> 19.290<span class=\"_ _128\"> </span> Non performing<span class=\"_ _128\"> </span> 20.957<span class=\"_ _128\"> </span> 20.957<span class=\"_ _128\"> </span> Eventualobligo Brutto<span class=\"_ _128\"> </span> 1.280.383<span class=\"ls0\"> </span>338.581<span class=\"ls0\"> </span>20.957<span class=\"ls0\"> </span>1.639.921<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span> -1.811<span class=\"_ _128\"> </span> -3.800<span class=\"_ _128\"> </span> -4.089<span class=\"_ _128\"> </span> -9.700<span class=\"_ _128\"> </span> Eventualobligo Netto<span class=\"_ _128\"> </span> 1.278.572<span class=\"ls0\"> </span>334.781<span class=\"ls0\"> </span>16.868<span class=\"ls0\"> </span>1.630.221<span class=\"ls0\"> </span>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span> per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span> Stage 2<span class=\"_ _128\"> </span> Stage 3<span class=\"_ _128\"> </span> 12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>POCI<span class=\"_ _128\"> </span> Gesamt<span class=\"_ _128\"> </span> Sehr gut<span class=\"_ _128\"> </span> 774.620<span class=\"_ _128\"> </span> 18.479<span class=\"_ _128\"> </span> 793.099<span class=\"_ _128\"> </span> Gut<span class=\"_ _128\"> </span> 493.753<span class=\"_ _128\"> </span> 72.366<span class=\"_ _128\"> </span> 566.119<span class=\"_ _128\"> </span> Mangelhaft<span class=\"_ _128\"> </span> 2.883<span class=\"_ _128\"> </span> 27.495<span class=\"_ _128\"> </span> 30.378<span class=\"_ _128\"> </span> Non performing<span class=\"_ _128\"> </span> 11.473<span class=\"_ _128\"> </span> 11.473<span class=\"_ _128\"> </span> Eventualobligo Brutto<span class=\"_ _128\"> </span> 1.271.256<span class=\"ls0\"> </span>118.340<span class=\"ls0\"> </span>11.473<span class=\"ls0\"> </span>1.401.070<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span> -2.259<span class=\"_ _128\"> </span> -3.024<span class=\"_ _128\"> </span> -9.652<span class=\"_ _128\"> </span> -14.935<span class=\"_ _128\"> </span> Eventualobligo Netto<span class=\"_ _128\"> </span> 1.268.998<span class=\"ls0\"> </span>115.316<span class=\"ls0\"> </span>1.821<span class=\"ls0\"> </span>1.386.135<span class=\"ls0\"> </span>Alle <span class=\"ff9\">finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e, die nicht unter die Kategorie \u201enon<span class=\"_ _1\"></span></span>-<span class=\"ff9\">performing\u201c fallen, sind nicht mehr als 90 Tage \u00fcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span></span>f\u00e4llig. Befinden sich die verbleibenden finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerte in Verzug, so werd<span class=\"_ _0\"></span>en die jeweiligen KundInnen mit ih-<span class=\"_ _128\"> </span>ren gesamten finanziellen Verm\u00f6gensw<span class=\"_ _0\"></span>erten in der nachstehenden Tab<span class=\"_ _0\"></span>elle als KundInnen in Verzug dargestellt.<span class=\"_ _0\"></span> per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>In Verzug seit<span class=\"_ _128\"> </span> Kredite und Forderungen<span class=\"_ _128\"> </span> Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span> Eventualverbindlichkeiten<span class=\"_ _128\"> </span> Gesamt<span class=\"_ _128\"> </span> Unter 30 Tagen<span class=\"_ _128\"> </span> 246.245<span class=\"_ _128\"> </span> 5.822<span class=\"_ _128\"> </span> 252.067<span class=\"_ _128\"> </span> Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span> 10.566<span class=\"_ _128\"> </span> 450<span class=\"ls0\"> </span>11.015<span class=\"_ _128\"> </span> Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span> 1.155<span class=\"_ _128\"> </span> 100<span class=\"ls0\"> </span>1.255<span class=\"_ _128\"> </span> Gesamt<span class=\"_ _128\"> </span> 257.965<span class=\"ls0\"> </span>6.372<span class=\"ls0\"> </span>264.337<span class=\"ls0\"> </span>1) Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span> sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span> per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>In Verzug seit<span class=\"_ _128\"> </span> Kredite und Forderungen<span class=\"_ _128\"> </span> Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span> Eventualverbindlichkeiten<span class=\"_ _128\"> </span> Gesamt<span class=\"_ _128\"> </span> Unter 30 Tagen<span class=\"_ _128\"> </span> 194.936<span class=\"_ _128\"> </span> 10.892<span class=\"_ _128\"> </span> 205.828<span class=\"_ _128\"> </span> Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span> 17.227<span class=\"_ _128\"> </span> 386<span class=\"ls0\"> </span>17.613<span class=\"_ _128\"> </span> Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span> 670<span class=\"ls0\"> </span>11<span class=\"ls0\"> </span>681<span class=\"ls0\"> </span>Gesamt<span class=\"_ _128\"> </span> 212.833<span class=\"ls0\"> </span>11.290<span class=\"ls0\"> </span>224.122<span class=\"ls0\"> </span>1) Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span> sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span> Stundungen/Nachsicht (Forbearance)<span class=\"_ _0\"></span> Stundungen und<span class=\"_ _0\"></span> andere Zugest\u00e4ndn<span class=\"_ _0\"></span>isse an KreditnehmerInnen werden in Situationen gew\u00e4hrt<span class=\"_ _0\"></span>, in denen angenommen<span class=\"_ _128\"> </span> wird, dass die KreditnehmerInnen die Kreditb<span class=\"_ _0\"></span>edingungen aufgrund ihrer aktuellen finanziellen Situat<span class=\"_ _0\"></span>ion nicht erf\u00fcllen k\u00f6n-<span class=\"_ _128\"> </span>nen. Basierend au<span class=\"_ _0\"></span>f den Ursachen dieser Schwierigkeiten ent<span class=\"_ _0\"></span>scheidet die Oberban<span class=\"_ _0\"></span>k AG, die Kreditbedingungen derart zu<span class=\"_ _0\"></span> \u00e4n-<span class=\"_ _128\"> </span>dern, dass die KreditnehmerInnen gen\u00fc<span class=\"_ _0\"></span>gend Spielraum hab<span class=\"_ _0\"></span>en, die Schulden zu begleichen oder die Oberbank AG schuld<span class=\"_ _0\"></span>et<span class=\"_ _128\"> </span> zu diesem Zweck den Kredit (gan<span class=\"_ _0\"></span>z oder teilweise) um.<span class=\"_ _0\"></span> Vorab wird gepr\u00fc<span class=\"_ _0\"></span>ft, ob ein Ausfallstatbestand vorliegt. Ist dies der Fall, werd<span class=\"_ _0\"></span>en die KundInnen auf non<span class=\"_ _1\"></span>-performing gestellt<span class=\"_ _128\"> </span> und eine Risikovorsor<span class=\"_ _0\"></span>ge entsprechend der in Note 2.7) beschriebenen Met<span class=\"_ _0\"></span>hodik gebildet.<span class=\"_ _0\"></span> Liegt kein Ausfallstatbest<span class=\"_ _0\"></span>and vor und ergibt die eingehende Pr<span class=\"_ _0\"></span>\u00fcfung der wirtschaftlichen Lage, dass mit einer gew\u00e4h<span class=\"_ _0\"></span>rten<span class=\"_ _128\"> </span> Ma\u00dfnahme k\u00fcnftig d<span class=\"_ _0\"></span>ie finanziellen Verpflichtungen gesichert erf\u00fcllt<span class=\"_ _0\"></span> werden k\u00f6nnen, d\u00fcrfen eine Stundun<span class=\"_ _0\"></span>g oder andere Zu-<span class=\"_ _128\"> </span>gest\u00e4ndnisse gew\u00e4hrt w<span class=\"_ _0\"></span>erden. <span class=\"_ _7\"> </span> <div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">118<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Werden mit KundInn<span class=\"_ _0\"></span>en in Zahlungsschwierigkeiten Vereinb<span class=\"_ _0\"></span>arungen in einer Form getroffen, wie sie bei Neueinr\u00e4umun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">\u00fcblicherweise nicht erfolgen, wird d<span class=\"_ _0\"></span>as betreffende Obligo mit Nachsicht gekennzeichnet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">Wurden Stundungen au<span class=\"_ _0\"></span>f Basis staatlich verf\u00fcgter Moratorien oder pr<span class=\"_ _0\"></span>ivater EBA<span class=\"_ _0\"></span>-konformer Moratorien gew\u00e4h<span class=\"_ _0\"></span>rt, wurden<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">diese gem. <span class=\"ffd\">EBA Leitlinie zu gesetzlichen M<span class=\"_ _0\"></span>oratorien und Moratorien ohne Gesetzesform f\u00fcr Darlehens<span class=\"_ _0\"></span>zahlungen vor dem<span class=\"_ _128\"> </span></span><span class=\"ffd\"> </span></div><div class=\"t m0 x3 h5 y64 ffd fs2 fc2 sc0 ls0 ws0\">Hintergrund der COVID<span class=\"_ _0\"></span>-<span class=\"ls2\">19</span>-Krise<span class=\"ff4\"> grund<span class=\"_ _0\"></span>s\u00e4tzlich nicht als Nachsicht gekennzeichnet. In Einzelf\u00e4llen, insb<span class=\"_ _0\"></span>esondere bei wieder-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">holter, aktiver Inanspruchnah<span class=\"_ _0\"></span>me des Moratoriums durch den Kunden, wurde allerdings nach in<span class=\"_ _0\"></span>terner Pr\u00fcfung von dieser<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">M\u00f6glichkeit nicht Gebrauch gemacht u<span class=\"_ _0\"></span>nd die Gesch\u00e4<span class=\"_ _0\"></span>fte wurden trotzdem mit Nachsicht gekenn<span class=\"_ _0\"></span>zeichnet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Das Monitoring von Stundungen erfo<span class=\"_ _0\"></span>lgt im Rahmen des 90<span class=\"_ _0\"></span>-Tage-Eskalationsp<span class=\"_ _0\"></span>rozesses. F\u00fchrt die Gew\u00e4hrung einer Stundung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">nicht zum gew\u00fcn<span class=\"_ _0\"></span>schten Ergebnis (Wiederaufnahme der vertragskonformen Bedienun<span class=\"_ _0\"></span>g des Kredit<span class=\"_ _0\"></span>s nach Stundung), wird<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">durch den 90-Tage-Eskalat<span class=\"_ _0\"></span>ionsprozess das Ratingsigel auf no<span class=\"_ _0\"></span>n-performin<span class=\"_ _0\"></span>g gestellt und bei Vorliegen einer Unterdeckung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">eine Risikovorsorge gebildet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Ist bei einem bereits mit Nachsicht gekenn<span class=\"_ _0\"></span>zeichneten Obligo eine weitere Nachsichts<span class=\"_ _1\"></span>ma\u00dfnahme erforderlich, erfolgt eben-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">falls eine Umstellung auf non<span class=\"_ _0\"></span>-performing.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">Eine Verschleierung von not<span class=\"_ _0\"></span>leidenden Krediten durch die Gew\u00e4hrung von Stundungen o<span class=\"_ _0\"></span>der anderen Formen von Vertrags-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">zugest\u00e4ndnissen ist durch d<span class=\"_ _0\"></span>iese Vorgehensweise<span class=\"_ _0\"></span> ausgeschlossen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls34 ws0\">Di<span class=\"ls0\">e in der Berichtsperiode gew\u00e4hrten<span class=\"_ _0\"></span> Ma\u00dfnahmen sind in der nachstehend<span class=\"_ _0\"></span>en Tabelle dargestellt.<span class=\"_ _0\"></span> </span></div></div><div class=\"gs377\"><table class=\"s w45f h215\" id=\"_b79f94b2-ac37-485f-96a2-7ed8082a292c\"><tr><td class=\"c x2c8 y1775 w460 h210\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stundungen/Nach-<span class=\"_ _128\"> </span></div></td><td class=\"c x37f y1775 w461 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Aus Kennzeich-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x380 y1775 w462 h210\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Neu als Stun-<span class=\"_ _128\"> </span></div></td><td class=\"c x381 y1775 w463 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">In der Berichts-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1776 w464 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sichtma\u00dfnahmen<span class=\"_ _128\"> </span></div></td><td class=\"c x382 y1776 w410 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td class=\"c x37f y1776 w465 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nung Nachsicht<span class=\"_ _128\"> </span></div></td><td class=\"c x383 y1776 w466 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckgang<span class=\"_ _128\"> </span></div></td><td class=\"c x384 y1776 w467 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">dungen/Nach-<span class=\"_ _128\"> </span></div></td><td class=\"c x385 y1776 w413 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td class=\"c x386 y1776 w468 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">periode verein-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1777 w270 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x387 y1777 w2f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x388 y1777 w469 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gesundet<span class=\"_ _128\"> </span></div></td><td class=\"c x38a y1777 w46a h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Volumen</div><div class=\"t m0 x389 hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x38b y1777 w46b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sicht betrachtet<span class=\"_ _128\"> </span></div></td><td class=\"c x38c y1777 w2f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x38d y1777 w46c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nahmte Zinsen<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1778 w1a5 h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Verl\u00e4ngerung Kredit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">laufzeit </div></td><td class=\"c x38e y1778 waf h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.008 </div></td><td class=\"c x38f y1778 we h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.425 </div></td><td class=\"c x390 y1778 w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.816 </div></td><td class=\"c x34b y1778 wf8 h3b\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">52.265 </div></td><td class=\"c x1e3 y1778 w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.031 </div></td><td class=\"c x30f y1778 w173 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.748 </div></td></tr><tr><td class=\"c x2c6 y1779 w1a5 h12\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stundung </div></td><td class=\"c x38e y1779 waf h12\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.384 </div></td><td class=\"c x38f y1779 we h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.406 </div></td><td class=\"c x390 y1779 w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.887 </div></td><td class=\"c x34b y1779 wf8 h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.442 </div></td><td class=\"c x1e3 y1779 w56 h12\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">208.533 </div></td><td class=\"c x30f y1779 w173 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.779 </div></td></tr><tr><td class=\"c x2c8 y177a w46d h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verzicht sonstige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y177b w46e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">vertragliche Rechte<span class=\"_ _128\"> </span></div></td><td class=\"c x38e y177c waf h3b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.399 </div></td><td class=\"c x38f y177c we h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">374<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177c w56 h3b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.735 </div></td><td class=\"c x34b y177c wf8 h3b\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.631 </div></td><td class=\"c x1e3 y177c w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.921 </div></td><td class=\"c x30f y177c w173 h3b\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">709<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y177d w1a5 hc\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umschuldung </div></td><td class=\"c x38e y177d waf hc\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.381 </div></td><td class=\"c x38f y177d we hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.122 </div></td><td class=\"c x390 y177d w56 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.011 </div></td><td class=\"c x34b y177d wf8 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.949 </div></td><td class=\"c x1e3 y177d w56 hc\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.197 </div></td><td class=\"c x30f y177d w173 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">806<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y177e w1a5 h2a\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x38e y177e waf h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">728<span class=\"ls0\"> </span></div></td><td class=\"c x38f y177e we h2a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">239<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177e w56 h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">231<span class=\"ls0\"> </span></div></td><td class=\"c x34b y177e wf8 h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">23<span class=\"ls0\"> </span></div></td><td class=\"c x1e3 y177e w56 h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x30f y177e w173 h2a\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x2c6 y177f w1a5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x38e y177f waf hc\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x38f y177f we hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">45.567<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177f w56 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">85.679<span class=\"ls0\"> </span></div></td><td class=\"c x34b y177f wf8 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">138.311<span class=\"ls0\"> </span></div></td><td class=\"c x1e3 y177f w56 hc\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x30f y177f w173 hc\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">13.050<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1780 w3 h3\"><div class=\"t m0 x3 h16 ya9b ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y24 ff4 fs4 fc2 sc0 ls0 ws0\"> wegen R\u00fcck<span class=\"_ _5\"></span>zahlungen, Tilgungen<span class=\"_ _5\"></span> </div><div class=\"t m0 x3 h5 ya9c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y39f ff4 fs2 fc2 sc0 ls0 ws0\">Das Volumen der von Stundungen u<span class=\"_ _0\"></span>nd anderen Nachsichtsma\u00dfnahmen b<span class=\"_ _0\"></span>etroffenen <span class=\"_ _0\"></span>Gesch\u00e4fte w<span class=\"_ _0\"></span>ird in der folgenden Tabelle </div><div class=\"t m0 x3 h5 y1f4 ff4 fs2 fc2 sc0 ls0 ws0\">nach Bonit\u00e4tsstufen au<span class=\"_ _0\"></span>fgeteilt und den getroffenen Risikovorsorgen sowie d<span class=\"_ _0\"></span>en Sicherheiten gegen\u00fcbergestellt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y1f5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gs378\"><table class=\"s w46f h216\" id=\"_703901f5-0722-4197-9490-76a02350380a\"><tr><td class=\"c x2c8 y1781 w44e h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x391 y1781 w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1782 w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y1783 w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y1783 w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y1782 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1784 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y1784 w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">125<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1784 w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y1784 w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">39<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1785 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y1785 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">128.780 </div></td><td class=\"c x393 y1785 w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">353<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1785 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.224 </div></td></tr><tr><td class=\"c x2c6 y1786 w1a6 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y1786 w19 h12\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">42.577 </div></td><td class=\"c x393 y1786 w17b h12\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">423<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1786 w1a3 h12\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.438 </div></td></tr><tr><td class=\"c x2c6 y1787 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1787 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.481 </div></td><td class=\"c x393 y1787 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.081 </div></td><td class=\"c x395 y1787 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.276 </div></td></tr><tr><td class=\"c x2c6 y1788 w1a6 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1788 w19 h12\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1788 w17b h12\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">48.858<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1788 w1a3 h12\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">166.976<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 y4e2 ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y8bf ff4 fs4 fc2 sc0 ls0 ws0\"> Die bei<span class=\"_ _5\"></span> den perfor<span class=\"_ _5\"></span>ming Kategorien dargest<span class=\"_ _5\"></span>ellten Ri<span class=\"_ _5\"></span>sikovorsorgen r<span class=\"_ _5\"></span>esultieren aus <span class=\"_ _5\"></span>den Risiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr ECL nach <span class=\"_ _5\"></span>IFRS 9. </div><div class=\"t m0 x3 h5 yaa2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y178a w44e h191\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x391 y178a w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y178b w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y178c w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y178c w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y178b w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y178d w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y178d w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">112<span class=\"ls0\"> </span></div></td><td class=\"c x393 y178d w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y178d w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y178e w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y178e w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.356 </div></td><td class=\"c x393 y178e w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">561<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178e w1a3 hc\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">114.120 </div></td></tr><tr><td class=\"c x2c6 y178f w1a6 h12\"><div class=\"t m0 x90 h5 yaa6 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y178f w19 h12\"><div class=\"t m0 xc0 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">41.982 </div></td><td class=\"c x393 y178f w17b h12\"><div class=\"t m0 x111 h5 y9d9 ff4 fs2 fc2 sc0 ls2 ws0\">438<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178f w1a3 h12\"><div class=\"t m0 x73 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">24.500 </div></td></tr><tr><td class=\"c x2c6 y1790 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1790 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.449 </div></td><td class=\"c x393 y1790 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.307 </div></td><td class=\"c x395 y1790 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.047 </div></td></tr><tr><td class=\"c x2c6 y1791 w1a6 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1791 w19 hc\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1791 w17b hc\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.308<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1791 w1a3 hc\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">207.765<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 yaa9 ff4 fs6 fc2 sc0 ls0 ws0\">1) </div><div class=\"t m0 x31 h17 yaaa ff4 fs4 fc2 sc0 ls0 ws0\">Die bei d<span class=\"_ _5\"></span>en perfor<span class=\"_ _5\"></span>ming Kategorien dar<span class=\"_ _5\"></span>gestellt<span class=\"_ _5\"></span>en Risikovor<span class=\"_ _5\"></span>sorgen resultiere<span class=\"_ _5\"></span>n aus den R<span class=\"_ _5\"></span>isikovorsorgen <span class=\"_ _5\"></span>f\u00fcr ECL nach IFRS 9. <span class=\"_ _7\"> </span> </div></td><td></td><td></td><td></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">119<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Nachhaltigkeitsrisiko als integrierter Bestandteil des<span class=\"_ _0\"></span> Kreditrisikos<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Das Thema Nachhaltigkeit ist aus Sicht d<span class=\"_ _0\"></span>er Oberbank AG auch untrennbar mit dem Man<span class=\"_ _0\"></span>agemen<span class=\"_ _0\"></span>t der Kreditrisiken einer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Bank verbunden<span class=\"_ _0\"></span>. Nachhaltigkeitsrisiken k\u00f6nnen erhebliche negative Ausw<span class=\"_ _0\"></span>irkungen auf die KreditnehmerInnen der Oberbank<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">AG und damit in der Folge auf das Kred<span class=\"_ _0\"></span>itrisiko haben. Unter klimabedingte Nachh<span class=\"_ _0\"></span>altigkeitsrisiken fallen zum ein<span class=\"_ _0\"></span>en ph<span class=\"_ _0\"></span>ysische<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Risiken wie extreme Wetterereignisse, welche durch d<span class=\"_ _0\"></span>en Klimawandel beg\u00fcnstigt werden und<span class=\"_ _0\"></span> schwere (auch finanzielle)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Sch\u00e4den anrichten<span class=\"_ _0\"></span> k\u00f6nnen. Auch k\u00f6nnen klimabedingte Katastroph<span class=\"_ _0\"></span>en beispielsweise Lieferketten unterbrechen oder Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ftsmodelle aufgru<span class=\"_ _0\"></span>nd ge\u00e4nderter Umweltbedingungen zerst\u00f6ren. Weiters k\u00f6nn<span class=\"_ _0\"></span>ten k\u00fcnftig Unternehmen vermehrt f\u00fcr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Klima-sch\u00e4dliches Verhalten zur<span class=\"_ _0\"></span> Verantwortung gezogen werden, was zu s<span class=\"_ _0\"></span>chwerwiegenden finanziellen Folgen f\u00fcr die be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">troffenen Unterneh<span class=\"_ _0\"></span>men f\u00fchren kann. Ein wei<span class=\"_ _0\"></span>terer Aspekt besteht darin, dass Unternehmen dur<span class=\"_ _0\"></span>ch klimabedingte Transiti-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">onsrisiken schwer betroffen sein k\u00f6nnen. <span class=\"_ _0\"></span>\u00c4nderungen in Politik (z. B. CO2<span class=\"_ _0\"></span>-Steuern) od<span class=\"_ _0\"></span>er Technologiever\u00e4nderungen (z. <span class=\"_ _0\"></span>B.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Elektromobilit\u00e4t) k\u00f6nnen zur Gefahr f\u00fcr<span class=\"_ _0\"></span> nicht angepasste Untern<span class=\"_ _0\"></span>ehmen w<span class=\"_ _0\"></span>erden. Das steigende Bewusstsein f\u00fcr Klimaschutz<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">und sich \u00e4ndernde gesellschaftliche E<span class=\"_ _0\"></span>rwartungen f\u00fchr<span class=\"_ _0\"></span>en m\u00f6glicherweise zu einer erheblichen Ver\u00e4nderung des Kon<span class=\"_ _0\"></span>sumver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">haltens. Auch Nachhalt<span class=\"_ _0\"></span>igkeitsrisiken in den Bereichen Soziales und<span class=\"_ _0\"></span> Unternehmensf\u00fchru<span class=\"_ _0\"></span>ng k\u00f6nnen negat<span class=\"_ _0\"></span>ive Auswirkungen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">auf Verm\u00f6gens-, Finan<span class=\"_ _0\"></span>z und Ertragslage eines Unternehmens haben<span class=\"_ _0\"></span>. So k\u00f6nnen zum Beispiel schlagend werd<span class=\"_ _0\"></span>ende Reputati-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">onsrisiken den V<span class=\"_ _0\"></span>erkauf der produzierten Produkte behindern. Es liegt dah<span class=\"_ _0\"></span>er auf der Hand, dass die Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _1\"></span> den Nach-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">haltigkeitsrisiken bei der Steuerun<span class=\"_ _0\"></span>g des Kreditgesch\u00e4ftes gro\u00dfe Beachtung schen<span class=\"_ _0\"></span>kt. Aus diesem Grund wurden in den letzten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">Jahren wesentliche Ver\u00e4nderu<span class=\"_ _0\"></span>ngen im Kredit- u<span class=\"_ _0\"></span>nd Ratingprozess der Oberbank AG <span class=\"_ _0\"></span>vorgenommen, um die Transparenz und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Steuerung d<span class=\"_ _0\"></span>er Nachhaltigkeitsrisiken zu verbessern.   </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Bei der Bonit\u00e4tseinstu<span class=\"_ _0\"></span>fung unserer KundInnen flie\u00dfen Nachhaltigkeitsrisiken bei der Beurt<span class=\"_ _0\"></span>eilung ESG<span class=\"_ _0\"></span>-relevanter Softfact<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">(Gesch\u00e4ftsmodell, Abh<span class=\"_ _0\"></span>\u00e4ngigkeit externer Faktoren) in das Kundenratin<span class=\"_ _0\"></span>g ein. Die im 2. Halbjah<span class=\"_ _0\"></span>r 2021 neu eingef\u00fchrten<span class=\"_ _0\"></span> sechs<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">ESG-Softfacts dienen zu<span class=\"_ _0\"></span>r systematischeren Beurteilung d<span class=\"_ _0\"></span>er Risiken des bestehenden Gesch\u00e4ftsmodells und zu<span class=\"_ _0\"></span>r Datensamm-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">lung f\u00fcr die drei Bereiche E (Environ<span class=\"_ _0\"></span>ment), S (Social) und G (Governan<span class=\"_ _0\"></span>ce).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Die Ber\u00fccksichtigung von<span class=\"_ _0\"></span> ESG-Risiken im Kreditentscheidun<span class=\"_ _0\"></span>gsprozess wurde durch die Ein<span class=\"_ _0\"></span>f\u00fchrung des Climecycle-T<span class=\"_ _0\"></span>ools weit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">gehend automatisiert. D<span class=\"_ _0\"></span>as von der KPMG entwickelte Tool ermittelt f\u00fcr alle Kreditkunden der Oberban<span class=\"_ _0\"></span>k AG ein Nachhaltig-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">keits-Scoring, welches unmitt<span class=\"_ _0\"></span>elbar in die Kreditentsch<span class=\"_ _0\"></span>eidung einflie\u00dft.  </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">Im Rahmen der Gesamtb<span class=\"_ _0\"></span>ankrisikosteuerung werden die Nachhaltigkeitsrisiken im Kreditportefeuille der Oberban<span class=\"_ _0\"></span>k AG min-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">destens zweimal pro Jahr evalu<span class=\"_ _0\"></span>iert in Form einer Nachhaltigkeitsrisiko<span class=\"_ _0\"></span>-Heatmap dargestellt. Die Heatmap wird im A<span class=\"_ _0\"></span>ktiv<span class=\"_ _0\"></span>-<span class=\"ls7\">Pas-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">s<span class=\"ls1d\">iv</span>-Management Gr<span class=\"_ _0\"></span>emium der Bank, das vom Risikovorstand der Bank geleitet w<span class=\"_ _0\"></span>ird, pr\u00e4sentiert. Dar\u00fcber hinaus wird sie<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">auch dem Aufsichtsrat<span class=\"_ _0\"></span> im Risikoausschuss vorgelegt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Bei der Risikoeinstufun<span class=\"_ _0\"></span>g wurden sowohl Klima-, a<span class=\"_ _0\"></span>ls auch Sozial- und<span class=\"_ _0\"></span> Governance-Risiken ber\u00fccksichtigt, w<span class=\"_ _0\"></span>obei die  </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Klimarisiken den gr\u00f6\u00dften<span class=\"_ _0\"></span> Einfluss auf die Gesamtrisikobewertung hab<span class=\"_ _0\"></span>en. F\u00fcr die Bewertung wurden qualitative und <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">quantitative Information<span class=\"_ _0\"></span>en aus externen und \u00f6ffentlich verf\u00fcgbaren Datenquellen (wie beisp<span class=\"_ _0\"></span>ielsweise EUROSTAT, SASB<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 lsb ws0\">(S<span class=\"ff9 ls0\">ustainability Account<span class=\"_ _0\"></span>ing Standards Board), FIRST (\u201eFinancial Inst<span class=\"_ _0\"></span>itutions: Resources, Solutions and Tools\u201c), <span class=\"_ _0\"></span>EU<span class=\"_ _0\"></span><span class=\"ff4\">-Kommission<span class=\"_ _128\"> </span></span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">(Art. 8 &amp; 9 Taxono<span class=\"_ _0\"></span>my Technical Annex) sowie Weltbank (Thin<span class=\"_ _0\"></span>kHazard!)) verwendet. So kann die sektorale un<span class=\"_ _0\"></span>d regionale Risi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">koexposition un<span class=\"_ _0\"></span>serer KundInnen im Hinblick auf die physischen Risiken (direkt<span class=\"_ _0\"></span>e Folgen des Klimawandels wie z.B. vermehrt<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">auftretende Naturkatastroph<span class=\"_ _0\"></span>en) und auf die Transitionsrisiken (Risiken, die du<span class=\"_ _0\"></span>rch den Anpassungsprozess au<span class=\"_ _0\"></span>f eine klima-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">neutrale Wirtschaft und Gesellsch<span class=\"_ _0\"></span>aft entsteh<span class=\"_ _0\"></span>en wie z. B. Preisanstiege durch CO2<span class=\"_ _0\"></span>-Steuern) eingesch\u00e4tzt w<span class=\"_ _0\"></span>erden. In folgen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">der Grafik wird der Zusammenhang zwischen<span class=\"_ _0\"></span> H\u00f6he des Nachhaltigkeitsrisikos und Sekto<span class=\"_ _0\"></span>r im Kreditportfolio der Oberban<span class=\"_ _0\"></span>k<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">AG dargestellt. Die L\u00e4nge der Balken beschreibt<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>as durchschnittliche volumensgewichtete Risiko. D<span class=\"_ _0\"></span>ie Schwankungsbreite<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">des Risikos innerhalb eines Sektors (M<span class=\"_ _0\"></span>inimum/Maximum), die sich durch d<span class=\"_ _0\"></span>ie regionalen Unterschiede und die Subbran<span class=\"_ _0\"></span>chen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">ergibt, wird durch die schwarzen Balken d<span class=\"_ _0\"></span>argestellt. <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">120<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Nachhaltigkeitsrisiko im Kreditportfolio der Ober<span class=\"_ _0\"></span>bank AG<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 xb h5 yaab ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y911 ff4 fs2 fc2 sc0 ls0 ws0\">Insgesamt ist das Kreditport<span class=\"_ _0\"></span>folio der Oberbank AG nur unterdurchschnittlichen Nachh<span class=\"_ _0\"></span>altigkeitsrisiken ausgesetzt. Bei den<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yaac ff4 fs2 fc2 sc0 ls0 ws0\">physischen Risiken erkl\u00e4rt sich dies dur<span class=\"_ _0\"></span>ch unser regionales Gesch\u00e4ftsmodell in Zentr<span class=\"_ _0\"></span>aleuropa; bei den Transitionsrisiken<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yaad ff4 fs2 fc2 sc0 ls0 ws0\">dadurch, dass d<span class=\"_ _0\"></span>er Anteil der st\u00e4rker betroffenen Branchen und Sektoren im Gesamtkred<span class=\"_ _0\"></span>itvolumen in der Oberbank AG un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4fb ff4 fs2 fc2 sc0 ls0 ws0\">terrepr\u00e4sentiert ist.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4fc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y912 ff5 fs2 fc2 sc0 ls0 ws0\">Verteilung des Forderungsvolumens der Oberbank AG nach I<span class=\"_ _0\"></span>nstituts-<span class=\"_ _0\"></span>intern definierten ESG<span class=\"_ _0\"></span>-Risikoklassen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yaae ff4 fs2 fc2 sc0 ls0 ws0\">  </div><div class=\"t m0 x116 h5 yaaf ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 yab0 ff5 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">121<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Nachhaltigkeitsrisiko-<span class=\"ls35\">He</span>atmap der Oberbank AG<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x6f h5 y79 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yab2 ff4 fs2 fc2 sc0 ls0 ws0\">Unsere Nachhaltigkeitsrisiko<span class=\"_ _0\"></span>-Heatmap veransch<span class=\"_ _0\"></span>aulicht die Nachhaltigkeitsrisiken, denen die Oberbank A<span class=\"_ _0\"></span>G in den einzelnen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yab3 ff4 fs2 fc2 sc0 ls0 ws0\">Regionen bzw. Sektoren (lt<span class=\"_ _0\"></span>. NACE Codes) ausgesetzt ist. Die Regionen umfassen die Niederlassun<span class=\"_ _0\"></span>gsl\u00e4nder der Ober<span class=\"_ _1\"></span>bank AG,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y9ec ff4 fs2 fc2 sc0 ls0 ws0\">sowie eine Restposition, d<span class=\"_ _0\"></span>ie sich zu einem gro\u00dfen Teil aus den f\u00fcr die Liquid<span class=\"_ _0\"></span>it\u00e4tssteuerung notwendigen hochliquiden A<span class=\"_ _0\"></span>kti-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yab4 ff4 fs2 fc2 sc0 ls0 ws0\">ven zusammensetzt. Die Farb<span class=\"_ _0\"></span>e der Punkte in der Heatmap stellt die Risikoeinstu<span class=\"_ _0\"></span>fung dar, die Gr\u00f6\u00dfe der Punkte die H\u00f6he des<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yab5 ff4 fs2 fc2 sc0 ls0 ws0\">Exposures der Oberb<span class=\"_ _0\"></span>ank AG in diesem Bereich.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y838 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 yab6 ff5 fs2 fc2 sc0 ls0 ws0\">44) Beteiligungsrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y7cd ff4 fs2 fc2 sc0 ls0 ws0\">Als Beteiligungsrisiko wird der potenzielle Wertverlust a<span class=\"_ _0\"></span>ufgrund von Dividendenausfall, Wertminderu<span class=\"_ _0\"></span>ng oder Ver\u00e4u\u00dferungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yab7 ff4 fs2 fc2 sc0 ls0 ws0\">verlust sowie die Reduktion d<span class=\"_ _0\"></span>er stillen Reserven durch die Gefahr einer <span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>sprechend negativen wirtschaftlichen Entw<span class=\"_ _0\"></span>ick-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yab8 ff4 fs2 fc2 sc0 ls0 ws0\">lung bezeichnet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yab9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yaba ff4 fs2 fc2 sc0 ls0 ws0\">Die Anteile an den Schwest<span class=\"_ _0\"></span>erbanken BKS und BTV, mit denen die Oberbank AG <span class=\"_ _0\"></span>die 3 Banken Gruppe bildet, sind d<span class=\"_ _0\"></span>ie <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y241 ff4 fs2 fc2 sc0 ls0 ws0\">wichtigsten Beteiligungen der Oberban<span class=\"_ _0\"></span>k AG. Die Beteiligungspolitik der Oberbank A<span class=\"_ _0\"></span>G ist darauf ausgerichtet, bank<span class=\"_ _1\"></span>- und ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yabb ff4 fs2 fc2 sc0 ls0 ws0\">triebsnahe Beteiligungen dan<span class=\"_ _0\"></span>n einzugehen, wenn d<span class=\"_ _0\"></span>iese dem Bankgesch\u00e4ft dienlich sind, a<span class=\"_ _0\"></span>lso deren T\u00e4tigkeit in direkter Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yabc ff4 fs2 fc2 sc0 ls0 ws0\">l\u00e4ngerung zur Bankt\u00e4tigkeit steht<span class=\"_ _0\"></span> oder eine Hilfst\u00e4tigkeit in Bezug auf diese dar<span class=\"_ _0\"></span>stellt. In dieses Segment fallen un<span class=\"_ _0\"></span>ter ander<span class=\"_ _1\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65c ff4 fs2 fc2 sc0 ls0 ws0\">die Beteiligungen der Oberban<span class=\"_ _0\"></span>k AG an der 3 Banken<span class=\"_ _0\"></span>-Generali Investment-Gesellschaft m.b.H., <span class=\"_ _0\"></span>an der 3 Banken IT G<span class=\"_ _0\"></span>mbH und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yabd ff4 fs2 fc2 sc0 ls0 ws0\">an der Oberbank Service GmbH.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">122<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Weiters finden sich die strategischen Beteiligungen an d<span class=\"_ _0\"></span>er voestalpine AG und an der En<span class=\"_ _0\"></span>ergie AG Ober\u00f6sterreich im <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungsportfolio<span class=\"_ _0\"></span> der Oberbank AG. Eine dar\u00fcberh<span class=\"_ _0\"></span>inausgehende aktive Industriebeteiligungspolitik ent<span class=\"_ _0\"></span>spricht nicht der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Philosophie der Oberban<span class=\"_ _0\"></span>k AG. Dar\u00fcber hinaus h\u00e4lt die Oberbank AG rein wirtsch<span class=\"_ _0\"></span>aftlich orientierte Beteiligungen, f\u00fcr die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">entweder eine konkrete Renditeerwar<span class=\"_ _0\"></span><span class=\"ff9\">tung od<span class=\"_ _0\"></span>er Erwartungen an eine Umwegrentabilit\u00e4t vorliegen. Mit d<span class=\"_ _0\"></span>em \u201eOberbank Op-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 y63 ff9 fs2 fc2 sc0 ls0 ws0\">portunity Fonds\u201c geht d<span class=\"_ _0\"></span>ie Oberbank AG im Zuge von Private Equity<span class=\"_ _0\"></span><span class=\"ff4\">-Finan<span class=\"_ _0\"></span>zierungen Beteiligungen ein, vorrangig mit dem<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Ziel, KundInnen in Situ<span class=\"_ _0\"></span>ationen zu unterst\u00fctzen, in denen die<span class=\"_ _0\"></span>se mit herk\u00f6mmlichen Finanzieru<span class=\"_ _0\"></span>ngen nicht das Auslangen fin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">den. Beteiligungen an Mezzanin<span class=\"_ _0\"></span>- und Equit<span class=\"_ _0\"></span>y-Anbietern werden eingegangen, um deren E<span class=\"_ _0\"></span>xpertise zu nutzen und Zugan<span class=\"_ _0\"></span>g zu<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">neuen M\u00e4rkten zu gewinnen. <span class=\"_ _0\"></span>Insbesondere im Immobilienbereich ist d<span class=\"_ _0\"></span>ie Oberbank AG <span class=\"_ _0\"></span>an Zweckgesellschaften bet<span class=\"_ _0\"></span>eiligt, die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">z. B. zur Errichtung od<span class=\"_ _0\"></span>er zum Betrieb eigener Immobilien gegr\u00fcnd<span class=\"_ _0\"></span>et wurden, vereinzelt auch an Unternehmen, die als Wohn-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">bautr\u00e4ger wichtige Partner in<span class=\"_ _0\"></span> Fragen der Wohnbaufinanzierung sind.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Vor dem Eingehen von Bet<span class=\"_ _0\"></span>eiligungen werden Analys<span class=\"_ _0\"></span>en erstellt, um ein m\u00f6glichst umfassendes Bild hinsichtlich Ertragskraft<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">strategischem Fit und<span class=\"_ _0\"></span> der rechtlichen Situation zu bekommen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Die Buch- und<span class=\"_ _0\"></span> beizulegenden Zeitwerte von Beteiligungspositionen zeigen folgendes Bild:<span class=\"_ _1\"></span> </div></div><div class=\"gs37d\"><table class=\"s w471 h217\" id=\"_16d7afef-0a6b-4362-8dd3-11caa5d447a8\"><tr><td class=\"c x174 y1792 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac</span><span class=\"ffb ls2\"><span class=\"_ _0\"></span></span> </div></td><td></td><td class=\"c x19d y1792 w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y1793 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewertungsart<span class=\"_ _0\"></span> </div></td><td class=\"c x19d y1793 w1aa hc\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y1793 w1ab hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y1794 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1795 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y1795 w1aa hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y1795 w1ab hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1796 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1796 w1aa h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td><td></td><td class=\"c x396 y1796 w1ab h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td></tr><tr><td class=\"c x174 y1797 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1798 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1798 w1aa h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td><td></td><td class=\"c x396 y1798 w1ab h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td></tr><tr><td class=\"c x174 y1799 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179a wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y179a w1aa hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x396 y179a w1ab hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">659.455 </div></td></tr><tr><td class=\"c x174 y179b wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179c wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y179c w1aa hc\"><div class=\"t m0 x2f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.396.451<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y179c w1ab hc\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">956.261<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y179d wae hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x19d y179d w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y179e wae h2a\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewe<span class=\"_ _0\"></span>rtungsart </div></td><td class=\"c x19d y179e w1aa h2a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y179e w1ab h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y179f wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a0 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a0 w1aa h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y17a0 w1ab h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y17a1 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a1 w1aa hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td></td><td class=\"c x396 y17a1 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td></tr><tr><td class=\"c x174 y17a2 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a3 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Posit<span class=\"_ _0\"></span>ionen</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a3 w1aa hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td><td></td><td class=\"c x396 y17a3 w1ab hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td></tr><tr><td class=\"c x174 y17a4 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a5 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a5 w1aa hc\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td></td><td class=\"c x396 y17a5 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">730.120 </div></td></tr><tr><td class=\"c x174 y17a6 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a7 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y17a7 w1aa h12\"><div class=\"t m0 x2f h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">1.265.071<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y17a7 w1ab h12\"><div class=\"t m0 x40 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">994.427<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y43a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 yadf ff5 fs2 fc2 sc0 ls0 ws0\">45) Marktrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y504 ff4 fs2 fc2 sc0 ls0 ws0\">Unter Marktrisiko wird der potenziell m\u00f6gliche Verlust, der d<span class=\"_ _0\"></span>urch Ver\u00e4nderungen von Preisen un<span class=\"_ _0\"></span>d Zinss\u00e4tzen an Finanz-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y505 ff4 fs2 fc2 sc0 ls0 ws0\">m\u00e4rkten entstehen kann,<span class=\"_ _0\"></span> verstanden. In dieser Risikokategorie sind sowohl Posit<span class=\"_ _0\"></span>ionen des Handelsbuchs als auch des Bank-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y914 ff4 fs2 fc2 sc0 ls0 ws0\">buchs erfasst. Das M<span class=\"_ _0\"></span>arktrisiko setzt sich aus den Risikoarten<span class=\"_ _0\"></span> Zinsrisiko, W\u00e4hrungsrisiko, Aktienkursrisiko und Cred<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>-Spread-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y688 ff4 fs2 fc2 sc0 ls0 ws0\">Risiko zusammen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yae0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y509 ff5 fs2 fc2 sc0 ls0 ws0\">Risikomanagement<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y50a ff4 fs2 fc2 sc0 ls0 ws0\">Die Marktrisiken werden in der Oberban<span class=\"_ _0\"></span>k AG auch f\u00fcr die ausl\u00e4ndischen Gesch\u00e4ft<span class=\"_ _0\"></span>seinheiten sowie f\u00fcr die vollkon<span class=\"_ _0\"></span>solidie<span class=\"_ _0\"></span>rten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y915 ff4 fs2 fc2 sc0 ls0 ws0\">Konzerngesellschaften zentral gesteuert<span class=\"_ _0\"></span>. Das Management der Marktrisiken ist<span class=\"_ _0\"></span> in der Oberbank AG auf zwei Kompetenztr\u00e4-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yae1 ff4 fs2 fc2 sc0 ls0 ws0\">ger aufgeteilt, die diese im Rahmen der ihn<span class=\"_ _0\"></span>en zugewiesenen Limits steuern.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">123<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Steuerung der Marktrisiken in der Verantwortung der A<span class=\"_ _0\"></span>bteil<span class=\"_ _0\"></span>ung Treasury &amp; Handel<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist zust\u00e4ndig f\u00fcr die Steuerung der Marktrisiken d<span class=\"_ _0\"></span>er Handelsbuchpositionen, des <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Zins\u00e4nderungsrisikos im Geldh<span class=\"_ _0\"></span>andelsbuch sowie des Devisenkursrisikos d<span class=\"_ _0\"></span>es gesamten Oberbank Konzerns. Das Geldh<span class=\"_ _0\"></span>andels-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">buch umfasst d<span class=\"_ _0\"></span>ie kurzfristigen Bankbuchpositionen. D<span class=\"_ _0\"></span>ie Berechnung des Risikos erfolgt auf Basis eines Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at<span class=\"_ _0\"></span></span>-Risk-Mo-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">dells. Der Value-<span class=\"lsd\">at</span>-Risk beschr<span class=\"_ _0\"></span>eibt, welcher Verlust mit einer vorgegebenen Wahrscheinlichke<span class=\"_ _0\"></span>it (Konfidenzniveau<span class=\"_ _0\"></span>) innerhalb<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">einer bestimmten Halted<span class=\"_ _0\"></span>auer bei normalen Marktbed<span class=\"_ _0\"></span>ingungen maximal zu erwarten ist. Die Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at</span>-Risk-Berechnun<span class=\"_ _0\"></span>g er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">folgt nach der Methode der h<span class=\"_ _0\"></span>istorischen Simulation mit einem Konfidenzn<span class=\"_ _0\"></span>iveau von 99 %, einer Haltedauer von zehn T<span class=\"_ _0\"></span>agen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">und einem Simulation<span class=\"_ _0\"></span>szeitraum von 1000 Tage<span class=\"_ _0\"></span>n. Die Berechnung der Valu<span class=\"_ _0\"></span>e-<span class=\"lsd\">at</span>-Risk-Werte, die Limitkontr<span class=\"_ _0\"></span>olle und das Repor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">ting \u00fcber die Risiko- u<span class=\"_ _0\"></span>nd Ertragslage an Vorstand und<span class=\"_ _0\"></span> Abteilung Treasury &amp; Handel erfolgen t\u00e4glich von der Abteilung Str<span class=\"_ _0\"></span>ate-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">gisches Risikomanagement. Die Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at</span>-Risk-Werte f\u00fcr die Bericht<span class=\"_ _0\"></span>speriode k\u00f6nnen der nach<span class=\"_ _0\"></span>stehenden Tabelle entnommen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">werden: </div></div><div class=\"gs37f\"><table class=\"s w472 h218\" id=\"_3950ac35-798b-4fdb-a6ac-3f122f324281\"><tr><td class=\"c x398 y17a8 w16d hc\"><div class=\"t m0 x7 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"ls3e\">at</span>-<span class=\"ffb\">Risk 2022 in Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x399 y17a8 w17a hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17a8 w8b hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">MAX </div></td><td class=\"c x39b y17a8 w1ad hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls18 ws0\">MIN<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17a8 w8b hc\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Durchschnitt </div></td><td class=\"c x39d y17a8 w17a hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x399 y17a9 w17a hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">706<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17a9 w8b hc\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.680 </div></td><td class=\"c x39b y17a9 w1ad hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">339<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17a9 w8b hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">890<span class=\"ls0\"> </span></div></td><td class=\"c x39d y17a9 w17a hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">967<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x398 y17aa w16d h2a\"><div class=\"t m0 x7 h6 y7e1 ff5 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"ls3e\">at</span>-<span class=\"ffb\">Risk 2021 in Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x399 y17aa w17a h2a\"><div class=\"t m0 x47 h6 yae7 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2020<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17aa w8b h2a\"><div class=\"t m0 xe h6 yae7 ff5 fs2 fc2 sc0 ls0 ws0\">MAX </div></td><td class=\"c x39b y17aa w1ad h2a\"><div class=\"t m0 xf h6 yae7 ff5 fs2 fc2 sc0 ls18 ws0\">MIN<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17aa w8b h2a\"><div class=\"t m0 x13 h6 yae7 ff5 fs2 fc2 sc0 ls0 ws0\">Durchschnitt </div></td><td class=\"c x39d y17aa w17a h2a\"><div class=\"t m0 x47 h6 yae7 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x399 y17ab w17a hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">979<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17ab w8b hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.382 </div></td><td class=\"c x39b y17ab w1ad hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17ab w8b hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">893<span class=\"ls0\"> </span></div></td><td class=\"c x39d y17ab w17a hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">706<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y6e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y6f ff4 fs2 fc2 sc0 ls0 ws0\">Mittels Backt<span class=\"_ _0\"></span>esting erfolgt <span class=\"_ _0\"></span>eine \u00dcb<span class=\"_ _0\"></span>erpr\u00fcfung <span class=\"_ _0\"></span>der G\u00fcte <span class=\"_ _0\"></span>des st<span class=\"_ _0\"></span>atistischen Modells, <span class=\"_ _0\"></span>also d<span class=\"_ _0\"></span>er Vergleich der <span class=\"_ _0\"></span>gesch\u00e4tzten<span class=\"_ _0\"></span> 1<span class=\"_ _1\"></span>-Tages-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yae9 ff4 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"lsd\">at</span>-Risk <span class=\"_ _42\"> </span>Werte <span class=\"_ _12\"></span>mit <span class=\"_ _42\"> </span>den <span class=\"_ _12\"></span>tats\u00e4<span class=\"_ _0\"></span>chlichen <span class=\"_ _42\"></span>Ergebnissen. <span class=\"_ _12\"></span>Die <span class=\"_ _42\"></span>Backtestingergebnisse <span class=\"_ _42\"></span>weisen <span class=\"_ _12\"></span>im <span class=\"_ _42\"></span>abgelaufenen <span class=\"_ _42\"></span>Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yaea ff4 fs2 fc2 sc0 ls0 ws0\">keine \u00dcberschreitun<span class=\"_ _0\"></span>gen auf und k\u00f6nnen der nachfolgenden<span class=\"_ _0\"></span> Grafik entnommen werd<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yaeb ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">124<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Backtesting VaR-<span class=\"ffb\">Modell 2022 i<span class=\"_ _0\"></span>n Tsd. \u20ac</span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x11b h5 y9cc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y9cd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yaed ff4 fs2 fc2 sc0 ls0 ws0\">Neben dem Value-<span class=\"lsd\">at</span>-Risk-Limit <span class=\"_ _0\"></span>werden zus\u00e4tzliche risikobegrenzende Limits w<span class=\"_ _0\"></span>ie Stop<span class=\"_ _0\"></span>-Loss-Limits und Volumenlimits zur<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y9e9 ff4 fs2 fc2 sc0 ls0 ws0\">Steuerung des Risikos eingesetzt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 yaee ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yaef ff4 fs2 fc2 sc0 ls0 ws0\">Das Devisenkursrisiko als Teil des Markt<span class=\"_ _0\"></span>risikos wird ebenfalls von der Abteilung Treasury &amp; Handel geste<span class=\"_ _1\"></span>uert. Die folgende<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yaf0 ff4 fs2 fc2 sc0 ls0 ws0\">Tabelle zeigt die offenen Devisenp<span class=\"_ _0\"></span>ositionen der Oberbank AG.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 yaf1 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs381\"><table class=\"s w473 h219\" id=\"_66bbaf70-2dc9-4875-b7a1-34bafa4f0d40\"><tr><td></td><td class=\"c x39e y17ac w1af hc\" colspan=\"2\"><div class=\"t m0 x47 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Volumen in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x39f y17ac w1af hc\" colspan=\"2\"><div class=\"t m0 x47 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Volumen in Tsd. \u20ac<span class=\"ff5\"> </span></div></td></tr><tr><td></td><td class=\"c x39e y17ad w86 h12\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17ad w1b2 h12\" colspan=\"2\"><div class=\"t m0 x6c h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x39f y17ad w89 h12\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17ad w1b3 h12\"><div class=\"t m0 x6c h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17ae w1ae h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">AUD </div></td><td class=\"c x39e y17ae w86 h26\"><div class=\"t m0 x14 h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">43<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17ae w1b2 h26\"><div class=\"t m0 x14 h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">17</span> </div></td><td class=\"c x3a2 y17ae w1b1 h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">MXN </div></td><td class=\"c x39f y17ae w89 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17ae w1b3 h26\"><div class=\"t m0 xe h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">72<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17af w1ae h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls3f ws0\">CHF<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17af w86 h26\"><div class=\"t m0 x3f h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">458</span> </div></td><td class=\"c x3a0 y17af w1b2 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">101<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17af w1b1 h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">HKD </div></td><td class=\"c x39f y17af w89 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">42<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17af w1b3 h26\"><div class=\"t m0 x41 h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x1dc y17b0 w1ae h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">USD </div></td><td class=\"c x39e y17b0 w86 h12\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">403<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b0 w1b2 h12\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">7.926 </div></td><td class=\"c x3a2 y17b0 w1b1 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">JPY </div></td><td class=\"c x39f y17b0 w89 h12\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17b0 w1b3 h12\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">36</span> </div></td></tr><tr><td class=\"c x1dc y17b1 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls40 ws0\">GBP<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17b1 w86 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">228</span> </div></td><td class=\"c x3a0 y17b1 w1b2 hc\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">336<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b1 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">RON </div></td><td class=\"c x39f y17b1 w89 hc\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">9 </div></td><td class=\"c x3a1 y17b1 w1b3 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">89<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17b2 w1ae hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">HUF </div></td><td class=\"c x39e y17b2 w86 hc\"><div class=\"t m0 x9f h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-3.547 </div></td><td class=\"c x3a0 y17b2 w1b2 hc\"><div class=\"t m0 x4a h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-3.615 </div></td><td class=\"c x3a2 y17b2 w1b1 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">NZD </div></td><td class=\"c x39f y17b2 w89 hc\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3a1 y17b2 w1b3 hc\"><div class=\"t m0 x11 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104</span> </div></td></tr><tr><td class=\"c x1dc y17b3 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">SEK </div></td><td class=\"c x39e y17b3 w86 hc\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">188<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b3 w1b2 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">60<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b3 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls3f ws0\">CZK<span class=\"ls0\"> </span></div></td><td class=\"c x39f y17b3 w89 hc\"><div class=\"t m0 x9f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-4.800 </div></td><td class=\"c x3a1 y17b3 w1b3 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.021 </div></td></tr><tr><td class=\"c x1dc y17b4 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls3f ws0\">CAD<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17b4 w86 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b4 w1b2 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">19</span> </div></td><td class=\"c x3a2 y17b4 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Sonst. W\u00e4hrungen Long </div></td><td class=\"c x39f y17b4 w89 hc\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">184<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17b4 w1b3 hc\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17b5 w1ae hbc\"><div class=\"t m0 x90 h6 yaf7 ff5 fs2 fc2 sc0 ls0 ws0\">CNY </div></td><td class=\"c x39e y17b5 w86 hbc\"><div class=\"t m0 x11 h5 yaf7 ff4 fs2 fc2 sc0 ls2 ws0\">119<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b5 w1b2 hbc\"><div class=\"t m0 xe h5 yaf7 ff4 fs2 fc2 sc0 ls2 ws0\">40<span class=\"ls0\"> </span></div></td><td class=\"c x2e1 y17b6 w474 h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonst. W\u00e4hrungen<span class=\"_ _128\"> </span></div></td><td class=\"c x39f y17b5 w89 hbc\"><div class=\"t m0 xc h5 yaf7 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">12</span> </div></td><td class=\"c x3a1 y17b5 w1b3 hbc\"><div class=\"t m0 x14 h5 yaf7 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">61</span> </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2e1 y17b7 w475 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Short<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1dc y17b8 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">DKK </div></td><td class=\"c x39e y17b8 w86 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b8 w1b2 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">48<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b8 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gold </div></td><td class=\"c x39f y17b8 w89 hc\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.122 </div></td><td class=\"c x3a1 y17b8 w1b3 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.526 </div></td></tr><tr><td class=\"c x1dc y17b9 w1ae h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">NOK </div></td><td class=\"c x39e y17b9 w86 h12\"><div class=\"t m0 xc h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">19</span> </div></td><td class=\"c x3a0 y17b9 w1b2 h12\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">37</span> </div></td><td></td><td></td><td></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 yaf9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yafa ff4 fs2 fc2 sc0 ls0 ws0\">Die Ermittlung des Marktrisikos im <span class=\"_ _0\"></span>Verantw<span class=\"_ _0\"></span>ortungsbereich der Abteilung Treasury &amp; Hand<span class=\"_ _0\"></span>el f\u00fcr den Liquidationsansatz im<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yafb ff4 fs2 fc2 sc0 ls0 ws0\">ICAAP erfolgt mit dem gleichen Mod<span class=\"_ _0\"></span>ell wie oben beschrieben, allerdings mit dem einheitlichen Konfid<span class=\"_ _0\"></span>enzniveau von 99,9 %<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yafc ff4 fs2 fc2 sc0 ls0 ws0\">und einer Haltedauer von einem Jahr<span class=\"_ _0\"></span>. Per 31.12.2022 <span class=\"_ _0\"></span>ergab sich ein Marktrisiko im Veran<span class=\"_ _0\"></span>twortungsbereich der Abteilung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yafd ff4 fs2 fc2 sc0 ls0 ws0\">Treasury &amp; Handel von 6,5 M<span class=\"_ _0\"></span>io. EUR (Vorjahr: 5,1 Mio. EUR).<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">125<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Steuerung der Marktrisiken in der Verantwortung des Akti<span class=\"_ _0\"></span>v-P<span class=\"_ _0\"></span>assiv-Management-Kom<span class=\"_ _0\"></span>itees<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Das APM-Komit<span class=\"_ _0\"></span>ee ist f\u00fcr die Steuerung des Zins\u00e4<span class=\"_ _0\"></span>nderungsrisikos der langfristigen Positionen (Zinsbindun<span class=\"_ _0\"></span>gen &gt; 12 Monate)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr die W\u00e4hrungen EU<span class=\"_ _0\"></span>R, USD, CZK und HUF, f\u00fcr die strategischen Aktien<span class=\"_ _0\"></span>- <span class=\"_ _0\"></span>und Fondspositionen im Bankbu<span class=\"_ _0\"></span>ch sowie f\u00fcr das<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">Credit Spread Risiko zu<span class=\"_ _0\"></span>st\u00e4ndig.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">Das APM-Komit<span class=\"_ _0\"></span>ee tritt monatlich zusammen. Mitglieder des Komitees sind d<span class=\"_ _0\"></span>er Risikovorstand sowie Vertreter der <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">Abteilungen Strategisches Risikomanagement, T<span class=\"_ _0\"></span>reasury &amp; Handel, Rechnungsw<span class=\"_ _0\"></span>esen und Controlling, Private Banking &amp; A<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">set Management, Kred<span class=\"_ _0\"></span>it-Management, Corporate &amp; International <span class=\"_ _0\"></span>Finance, Privat<span class=\"_ _0\"></span>kunden, Sekretariat &amp; Kommunikation, In-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">terne Revision und Co<span class=\"_ _0\"></span>mpliance.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y68 ff5 fs2 fc2 sc0 ls0 ws0\">Zins\u00e4nderungsrisiko im Bankbuch<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Das Eingehen des Zins\u00e4nd<span class=\"_ _0\"></span>erungsrisikos, das den Hauptteil des Marktrisikos im Bankbu<span class=\"_ _0\"></span>ch darstellt, ist ein wesentlicher <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">Bestandteil des Ban<span class=\"_ _0\"></span>kgesch\u00e4fts sowie eine wichtige Ertragsquelle und<span class=\"_ _0\"></span> erfordert eine ad\u00e4quate Ber\u00fccksichtigung im <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Risikomanagement. Die st<span class=\"_ _0\"></span>rategische Ausrichtung zielt gru<span class=\"_ _0\"></span>nds\u00e4tzlich darauf ab, unter bewusst<span class=\"_ _0\"></span>er Inkaufnahme eines <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">kalkulierbaren und a<span class=\"_ _0\"></span>ktiv gesteuerten Risikos Ertr\u00e4ge zu lukrieren. Zur Stabilisierung d<span class=\"_ _0\"></span>es Zinsertrags sowie zur Erzielung von<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">zus\u00e4tzlichen Zinsergebnissen aus d<span class=\"_ _0\"></span>er Frist<span class=\"_ _0\"></span>entransformation wird eine kontinuierliche Veranlagu<span class=\"_ _0\"></span>ngsstrategie in Position<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">mit l\u00e4ngerfristiger Zinsbindung verfolgt. <span class=\"_ _0\"></span>F\u00fcr die interne Steuerung des Zins\u00e4<span class=\"_ _0\"></span>nderungsrisikos im Bankbuch gem\u00e4\u00df EBA Leitli-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">nie 2018/02 kommen die klassischen<span class=\"_ _0\"></span> Methoden der Zin<span class=\"_ _0\"></span>sbindungs-Analysen (D<span class=\"_ _0\"></span>arstellung von Zinsbindungs<span class=\"_ _0\"></span>-Gaps, Ermittlung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">von Zinssensitivit\u00e4tsanalys<span class=\"_ _0\"></span>en) zur Anwendung. Das Ausma\u00df des Zins\u00e4n<span class=\"_ _0\"></span>derungsrisikos wird mittels Analyse der Ba<span class=\"_ _0\"></span>rwertver\u00e4n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">derungen der Positionen d<span class=\"_ _0\"></span>es Bankbuchs unter der Annahme verschiedener Zinss<span class=\"_ _1\"></span>zenarien ermittelt. Zus\u00e4tzlich zur Ba<span class=\"_ _0\"></span>rwert-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">betrachtung wird auch quart<span class=\"_ _0\"></span>alsweise eine Zinsergebnissimulation unt<span class=\"_ _0\"></span>er verschiedenen adversen Szenarien durchgef\u00fch<span class=\"_ _0\"></span>rt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">Dabei wird je Szenario die Abweichung d<span class=\"_ _0\"></span>es GuV<span class=\"_ _0\"></span>-Ergebnisses vom Budget in den einzelnen Jah<span class=\"_ _0\"></span>ren sowi<span class=\"_ _0\"></span>e kumuliert f\u00fcr einen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">3-Jahres Horizont dargestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Folgende Grafik zeigt die Zinsbindungs<span class=\"_ _0\"></span>-<span class=\"ls35\">Gap</span>-Analyse, v<span class=\"_ _0\"></span>erglichen mit den Jahresultimo<span class=\"_ _0\"></span>-Werten des Vorjahres:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y128 ff5 fs2 fc2 sc0 ls0 ws0\">Zinsbindungsgaps Bankbuchpositionen (Vergleich 31.12.2022 <span class=\"_ _0\"></span>mit 31.12.2021)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x11b h5 ya22 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y919 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">126<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Die Ermittlung d<span class=\"_ _0\"></span>es Zins\u00e4nderungsrisikos im Liquidationsansatz des ICAA<span class=\"_ _0\"></span>P erfolgt auf Basis eines EVE<span class=\"_ _0\"></span>-Modells (Econ<span class=\"_ _0\"></span>omic Va<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">lue of Equity). Das zu<span class=\"_ _0\"></span>grunde liegende Szenario entspricht j\u00e4hrlichen Zins\u00e4nderungen,<span class=\"_ _0\"></span> die mit einer Wahrscheinlichkeit von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">99,9% nicht \u00fcberschritten werd<span class=\"_ _0\"></span>en. Die Kalibrierung d<span class=\"_ _0\"></span>es Zinsschocks in den einzelnen Hauptw\u00e4hrungen EU<span class=\"_ _0\"></span>R, USD, CZK und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">HUF orientiert sich dabei an d<span class=\"_ _0\"></span>er BCBS Publikation Zins\u00e4nderungsrisiko im Anlagebu<span class=\"_ _0\"></span>ch (BCBS d319). Nicht zinstr<span class=\"_ _0\"></span>agende Posi<span class=\"_ _128\"> </span>ti-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">onen werden nicht<span class=\"_ _0\"></span> ber\u00fccksichtigt. Per 31.12.2022 ergab sich ei<span class=\"_ _0\"></span>n Zins\u00e4nderun<span class=\"_ _0\"></span>gsrisiko im Bankbuch von 185,29 Mio. Euro<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">(Vorjahr: 180,50 Mio. Euro<span class=\"_ _0\"></span>).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y66 ff5 fs2 fc2 sc0 ls0 ws0\">Credit Spread Risiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">Der Credit Spread stellt eine Risikop<span class=\"_ _0\"></span>r\u00e4mie f\u00fcr die mit der Investition \u00fcbern<span class=\"_ _0\"></span>ommenen Kreditrisiken dar. Der Credit Spread<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">wird als Rendited<span class=\"_ _0\"></span>ifferenz zwischen einer Anleihe und einer risikofreien Referenzanleihe bestimmt<span class=\"_ _0\"></span>. Die Messung des Risikos<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">erfolgt auf Basis von Barw<span class=\"_ _0\"></span>ertschwankungen des Anleiheportfolios aufgrund der Markt\u00e4nderungen der Cred<span class=\"_ _0\"></span>it Spreads bei<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">gleichbleibender Bonit\u00e4t d<span class=\"_ _0\"></span>es Schuldn<span class=\"_ _0\"></span>ers. Das Credit Spread Risiko wird mit einem Konfidenzniveau von<span class=\"_ _0\"></span> 99,9 % und einer<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">Haltedauer von 1 Jahr<span class=\"_ _0\"></span> berechnet. Zum 31.12.2022 errechnete sich auf diese Weise ein Wert von<span class=\"_ _0\"></span> 51,41 Mio. Euro (Vorjahr<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\">29,51 Mio. Euro).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11e ff5 fs2 fc2 sc0 ls0 ws0\">46) Makro\u00f6konomische Risiken<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">Als makro\u00f6konomische Risiken werd<span class=\"_ _0\"></span>en jene Verlustpotenziale bezeichnet, die sich aus Ver<span class=\"_ _0\"></span>\u00e4nderungen des makro<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">\u00f6konomischen Umfelds ergeben (Versch<span class=\"_ _0\"></span>lechterungen der realen BIP<span class=\"_ _0\"></span>-Wachstu<span class=\"_ _0\"></span>msrate, wesentlicher Anstieg der  </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Arbeitslosigkeit und der Inso<span class=\"_ _0\"></span>lvenzen, R\u00fcckgang d<span class=\"_ _0\"></span>er Aktienkurse und des Immob<span class=\"_ _0\"></span>ilienmarkts, ...).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">Die Auswirkungen einer vo<span class=\"_ _0\"></span>lkswirtschaftlichen Krise werden mittels erh\u00f6hten Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeiten bei Krediten,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckg\u00e4ngen der Mar<span class=\"_ _0\"></span>ktwerte von Immobilien und R\u00fcckg\u00e4ngen der Finanzm\u00e4rkt<span class=\"_ _0\"></span>e dargestellt. Der <span class=\"_ _0\"></span>R\u00fcckgang wirkt sich sowohl<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">bei den Verm\u00f6genswerten<span class=\"_ _0\"></span> der Bank als auch bei den hereingenommenen Sicherheiten n<span class=\"_ _0\"></span>egativ aus.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">Das errechnete makro\u00f6<span class=\"_ _0\"></span>konomische Risiko betrug zum 31.12.2022 109,99 Mio. E<span class=\"_ _0\"></span>uro (Vorjahr: 105,54 Mio. Euro).<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y127 ff5 fs2 fc2 sc0 ls0 ws0\">47) Operationelles Risiko<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">Mit dem Bankgesch\u00e4ft unt<span class=\"_ _0\"></span>rennbar verbunden sind die operationellen Risiken. Unt<span class=\"_ _0\"></span>er diesem Begriff sind Risiken zusammen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">gefasst, die den Betriebsb<span class=\"_ _0\"></span>ereich der Bank betreffen. Operationelle Risiken werden in<span class=\"_ _0\"></span> der Oberbank AG als die Gefahr v<span class=\"_ _1\"></span>on<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Verlusten, die in Folge der Unangemessenheit oder d<span class=\"_ _0\"></span>es Versagens von internen Verfahren, Menschen u<span class=\"_ _0\"></span>nd Systemen oder in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">Folge externer Ereignisse eintreten, definiert<span class=\"_ _0\"></span>. In dieser Definition werden Rechtsrisiken (inkludiert<span class=\"_ _0\"></span> das Risiko von Geldw\u00e4-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">scherei und T<span class=\"_ _0\"></span>errorismusfinanzierung) ber\u00fccksicht<span class=\"_ _0\"></span>igt, strategische Risiken oder Reputationsrisiken jedoch n<span class=\"_ _0\"></span>icht. Die Risiken<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">werden in die folgenden Kategor<span class=\"_ _0\"></span>ien eingeteilt: interner Betrug, externer Betrug, Besch\u00e4ft<span class=\"_ _0\"></span>igungspraxis und Arbeitsplatzsi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">cherheit, KundInnen, Pro<span class=\"_ _0\"></span>dukte und Gesch\u00e4ftsgepflogenh<span class=\"_ _0\"></span>eiten, Gesch\u00e4ftsunterbrechun<span class=\"_ _0\"></span>g und Systemausf\u00e4lle, Ausf\u00fchrung,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Lieferung und Prozessmanagement so<span class=\"_ _0\"></span>wie Sachsch\u00e4den. In der Oberb<span class=\"_ _0\"></span>ank AG ist ein Gremium f\u00fcr das Management d<span class=\"_ _0\"></span>es ope-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">rationellen Risikos installiert. D<span class=\"_ _0\"></span>ieses Gremium steuert d<span class=\"_ _0\"></span>en Managementprozess der operationellen Risiken und<span class=\"_ _0\"></span> ist f\u00fcr seine<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">Weiterentwicklung bzw. d<span class=\"_ _0\"></span>ie Adaptierung entsprechender Method<span class=\"_ _0\"></span>en verantwortlich. Das operative Risikomanagement vo<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">operationellen Risiken wird von den jew<span class=\"_ _0\"></span>eiligen operativ t\u00e4tigen Abteilun<span class=\"_ _0\"></span>gen und<span class=\"_ _0\"></span> regionalen Vertriebseinheiten (Risk Taking<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Units) durchgef\u00fchrt, die f\u00fcr das operat<span class=\"_ _0\"></span>ionelle Risiko der in ihren Zust\u00e4ndigkeitsbereich fallenden Produkt<span class=\"_ _0\"></span>e und Prozesse ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">antwortlich sind. Ein elektron<span class=\"_ _0\"></span>ischer Einmeldeprozess unterst\u00fctzt die Erfassung vo<span class=\"_ _1\"></span>n schlagend gewordenen operationellen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y135 ff4 fs2 fc2 sc0 ls0 ws0\">Risiken. Als Basis f\u00fcr die Steuerung u<span class=\"_ _0\"></span>nd Weiterentwicklung des Managements <span class=\"_ _0\"></span>der operationellen Risiken dienen systemat<span class=\"_ _0\"></span>i-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c0 ff4 fs2 fc2 sc0 ls0 ws0\">sche Risikoanalysen. Diese erfolgen einerseits in Form v<span class=\"_ _0\"></span>on Risk Assessments als tourliche Er<span class=\"_ _0\"></span>hebung u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span> Quantifizierung von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">potenziellen operationellen Risiken sow<span class=\"_ _0\"></span>ie durch Auswertung der in einer Schadensfalldat<span class=\"_ _0\"></span>enbank abgebildeten Schad<span class=\"_ _0\"></span>ensf\u00e4lle<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">und das Monitoring von Key Risk Ind<span class=\"_ _0\"></span>ikatoren. Qualitative Analysen in Form eines Risk Assessmen<span class=\"_ _0\"></span>ts erfolgen mindes<span class=\"_ _1\"></span>tens alle<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">zwei Jahre mittels stru<span class=\"_ _0\"></span>kturierter Frageb\u00f6gen. Dabei werden von den AssessorInn<span class=\"_ _0\"></span>en die Eintrittsh\u00e4ufigkeit und die H\u00f6he der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">potenziellen Sch\u00e4den abgesch\u00e4t<span class=\"_ _0\"></span>zt. Von der Abteilung Strategisches Risikomanagement w<span class=\"_ _0\"></span>ird quart<span class=\"_ _0\"></span>alsweise ein OpRisk Be-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">richt erstellt und<span class=\"_ _0\"></span> an den Vorstand sowie an das Gremium f\u00fcr das Man<span class=\"_ _0\"></span>agement des operationellen Risikos repor<span class=\"_ _0\"></span>tet. In die-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">sem Bericht werden die Entw<span class=\"_ _0\"></span>icklung der Key Risk Indikatoren und die Schadensf\u00e4lle des laufenden<span class=\"_ _0\"></span> Gesch\u00e4ftsjahres darge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">stellt. Der Bericht gliedert d<span class=\"_ _0\"></span>ie Schadensf\u00e4lle nach Gesch\u00e4ftsfeldern und<span class=\"_ _0\"></span> Schadensfallkategorien.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">127<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Zur Absicherung von im Rah<span class=\"_ _0\"></span>men von Risikoanalysen fest<span class=\"_ _0\"></span>gestellten Gro\u00dfrisiken wurden konkrete Ma\u00dfn<span class=\"_ _0\"></span>ahmen getroffen (z. B.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Versicherungen, Not<span class=\"_ _0\"></span>fallkonzepte IT, Ersatzrechenzentrum).<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">Aufgrund der<span class=\"_ _0\"></span> zunehmenden Bedeutung der Digitalisierung nehmen IT<span class=\"_ _0\"></span>-Risiken und<span class=\"_ _0\"></span> Cyberrisiken einen besonderen Stellen-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">wert im Bereich der Operationellen Risiken ein. Die Strat<span class=\"_ _0\"></span>egie der Bank besteht hier in<span class=\"_ _0\"></span> der laufenden Aufrechterhaltung eines<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">State-<span class=\"ls12\">of</span>-<span class=\"ls41\">the</span>-Art-Sicherheitslevels. Dieses wird operativ von d<span class=\"_ _0\"></span>er mit der Umsetzung beauftragten 3 Banken IT<span class=\"_ _0\"></span> GmbH sicher-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\">gestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y65 ff4 fs2 fc2 sc0 ls0 ws0\">Das ebenfalls in den operat<span class=\"_ _0\"></span>ionellen Risiken enthaltene Risiko aus Geldw\u00e4sche u<span class=\"_ _0\"></span>nd Terrorismusfinanzierung w<span class=\"_ _0\"></span>ird durch Aus-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">bildungsma\u00dfnahmen,<span class=\"_ _0\"></span> automatisiertes un<span class=\"_ _0\"></span>d manuelles Transaktionsmonitoring und<span class=\"_ _0\"></span> durch Schwellenwerte f\u00fcr die Mittelher-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">kunftspr\u00fcfung im Kassasyst<span class=\"_ _0\"></span>em begrenzt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Im Zuge der Risikotragf\u00e4h<span class=\"_ _0\"></span>igkeitsrechnung wird f\u00fcr die Quantifizierung des Operat<span class=\"_ _0\"></span>ionellen Risikos der Standardan<span class=\"_ _0\"></span>satz gem\u00e4\u00df<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">Teil 3, Titel III, Kapit<span class=\"_ _0\"></span>el 3 CRR II verwendet. Das Risiko betrug per 31.12.2022 92,8 Mio. E<span class=\"_ _0\"></span>UR (Vorjahr: 85,7 Mio. Euro<span class=\"_ _0\"></span>).<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber die letzten f\u00fcnf Jahr<span class=\"_ _0\"></span>e wurde per Saldo aufgrund der Aufl\u00f6sun<span class=\"_ _0\"></span>g von in Vorjahren gebildeter R\u00fc<span class=\"_ _0\"></span>ckstellungen f\u00fcr Operati-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">onelle Risiken in der Gu<span class=\"_ _0\"></span>V ein Ertrag aus Operationellen Risiken ausgewiesen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y11d ff5 fs2 fc2 sc0 ls0 ws0\">48) Liquidit\u00e4tsrisiko<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">Das Liquidit\u00e4tsrisiko (oder auch Refinanzierungsr<span class=\"_ _0\"></span>isiko) ist das Risiko, dass eine Bank ihren Zah<span class=\"_ _0\"></span>lungsverpflichtungen nicht je-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\">derzeit oder nur zu erh\u00f6hten<span class=\"_ _0\"></span> Kosten nachkommen kann.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y120 ff4 fs2 fc2 sc0 ls0 ws0\">Das Liquidit\u00e4tsrisiko wird in d<span class=\"_ _0\"></span>as Zahlungsunf\u00e4higkeitsrisiko und das Liq<span class=\"_ _0\"></span>uidit\u00e4tsspreadrisiko eingeteilt. Als <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungsunf\u00e4higkeitsrisiko oder auch Liqu<span class=\"_ _0\"></span>idit\u00e4tsrisiko im engeren Sinn gilt die Gefahr, dass d<span class=\"_ _0\"></span>ie Bank ihren gegenw\u00e4rtigen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\">und zuk\u00fcnftigen Zahlun<span class=\"_ _0\"></span>gsverpflichtungen n<span class=\"_ _0\"></span>icht mehr vollst\u00e4ndig oder nicht fristgerecht n<span class=\"_ _0\"></span>achkommen kann. Es ergibt sich<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y123 ff4 fs2 fc2 sc0 ls0 ws0\">aus dem Terminrisiko <span class=\"_ _0\"></span>(Risiko, dass sich vereinbarte Zahlungseing\u00e4nge <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> z. B. Kredittilgungen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> verz\u00f6gern und so<span class=\"_ _0\"></span> die entspre-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y124 ff4 fs2 fc2 sc0 ls0 ws0\">chende Liquidit\u00e4t fehlt), dem Abr<span class=\"_ _0\"></span>ufris<span class=\"_ _0\"></span>iko (Risiko, dass Zahlungsmittel vorzeitig oder unerw<span class=\"_ _0\"></span>artet hoch in Anspruch genommen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y125 ff4 fs2 fc2 sc0 ls0 ws0\">werden, wie der Abruf von E<span class=\"_ _0\"></span>inlagen oder Kreditzusagen) und dem Anschlussfinan<span class=\"_ _0\"></span>zierungsrisiko (Risiko, dass bei l\u00e4ngeren<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y126 ff4 fs2 fc2 sc0 ls0 ws0\">Kapitalbindun<span class=\"_ _0\"></span>gsfristen auf der Aktivseite der Bilanz<span class=\"_ _0\"></span> die Anschlussfinanzierung nicht d<span class=\"_ _0\"></span>argestellt werden kann). Zus\u00e4tzlich zu<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y127 ff4 fs2 fc2 sc0 ls0 ws0\">den Risiken, die eine m\u00f6gliche Zahlu<span class=\"_ _0\"></span>ngsunf\u00e4higkeit ausl\u00f6sen, besteht das Risiko, dass Refinanzierun<span class=\"_ _0\"></span>gsmittel f\u00fcr Anschlussfi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y128 ff4 fs2 fc2 sc0 ls0 ws0\">nanzierungen nur zu erh<span class=\"_ _0\"></span>\u00f6hten Marktzinsen (Spreads) b<span class=\"_ _0\"></span>eschafft werd<span class=\"_ _0\"></span>en k\u00f6nnen und sich somit der Gewinn verringert (Liqu<span class=\"_ _0\"></span>i-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y129 ff4 fs2 fc2 sc0 ls0 ws0\">dit\u00e4tsspreadrisiko).<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12a ff4 fs2 fc2 sc0 ls0 ws0\">Prim\u00e4re Ziele des Liquidit\u00e4tsmanagements sind<span class=\"_ _0\"></span> die Sicherstellung der jederzeitigen Zahlu<span class=\"_ _0\"></span>ngsf\u00e4higkeit und die Optimierung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12b ff4 fs2 fc2 sc0 ls0 ws0\">der Refinanzierungsstruktur in Bezug auf Risiko u<span class=\"_ _0\"></span>nd Erge<span class=\"_ _0\"></span>bnis.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12c ff4 fs2 fc2 sc0 ls0 ws0\">Um das Risiko einer Abh\u00e4n<span class=\"_ _0\"></span>gigkeit der Refinanzierung vom volatilen Bankengeldmarkt<span class=\"_ _0\"></span> zu limitieren, ist das Verh\u00e4ltnis von<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12d ff4 fs2 fc2 sc0 ls0 ws0\">Kundenkrediten zu Prim\u00e4reinlagen plu<span class=\"_ _0\"></span>s Eigenen Emissionen plus E<span class=\"_ _0\"></span>inlagen von F\u00f6rderbanken mit einem strategischen Limit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y12e ff4 fs2 fc2 sc0 ls0 ws0\">von 110 % begrenzt. D<span class=\"_ _0\"></span>ie Strategische Liquidit\u00e4tskennzah<span class=\"_ _0\"></span>l (SLK) betrug zum 31.12.2022 90,4% (Vorja<span class=\"_ _0\"></span>hr: 90,0%). <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y12f ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank AG h\u00e4lt ein a<span class=\"_ _0\"></span>ngemessenes Polster (Liquidit\u00e4tspuffer) an freiem Refinanzierungsp<span class=\"_ _0\"></span>otential in Form von <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y130 ff4 fs2 fc2 sc0 ls0 ws0\">refinanzierungsf\u00e4higen Wertp<span class=\"_ _0\"></span>apieren und Kred<span class=\"_ _0\"></span>itforderungen bei den Zentralbanken s<span class=\"_ _0\"></span>owie Zentralbankguthaben. <span class=\"_ _0\"></span>Die Ange-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y131 ff4 fs2 fc2 sc0 ls0 ws0\">messenheit des Liquidit\u00e4t<span class=\"_ _0\"></span>spuffers wird monatlich durch Liquidit\u00e4tsstresstest<span class=\"_ _0\"></span>s \u00fcberpr\u00fcft. <span class=\"_ _0\"></span>Dar\u00fcber hinaus steht d<span class=\"_ _0\"></span>er Oberbank<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y132 ff4 fs2 fc2 sc0 ls0 ws0\">AG ein Potenzial an ungenutzten Bankenlin<span class=\"_ _0\"></span>ien zur Verf\u00fcgung. Ei<span class=\"_ _0\"></span>n weiterer strategischer Grundsat<span class=\"_ _0\"></span>z ist die m\u00f6glichst hohe<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y133 ff4 fs2 fc2 sc0 ls0 ws0\">Diversifizierung der Refinanzierun<span class=\"_ _0\"></span>gsquellen, um Abh\u00e4ngigkeiten vom Interbankengeldmarkt<span class=\"_ _0\"></span> und Kapitalmarkt zu vermeiden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y134 ff4 fs2 fc2 sc0 ls0 ws0\">Dies umfasst auch d<span class=\"_ _0\"></span>en aktiven Umgang mit verpf\u00e4ndun<span class=\"_ _0\"></span>gsf\u00e4higen Sicherheiten bei d<span class=\"_ _0\"></span>er Vergabe von Krediten<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h6 y135 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4c0 ff5 fs2 fc2 sc0 ls0 ws0\">Regulatorische Liquidit\u00e4tskennzahlen<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c1 ff4 fs2 fc2 sc0 ls0 ws0\">Die LCR definiert den Min<span class=\"_ _0\"></span>destbestand an (hoch)liquiden Aktiva, die die Bank als Liq<span class=\"_ _0\"></span>uidit\u00e4tsreserve vorhalten muss, um \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c2 ff4 fs2 fc2 sc0 ls0 ws0\">einen Zeitraum von 30 Tagen auft<span class=\"_ _0\"></span>retende Nettozahlungsverpflichtungen i<span class=\"_ _0\"></span>m Falle einer Stressp<span class=\"_ _0\"></span>hase nachkommen zu k\u00f6nn<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4c3 ff4 fs2 fc2 sc0 ls0 ws0\">Die LCR per 31.12.2022 betrug 179,8%<span class=\"_ _0\"></span> (31.12.2021: 203,5%).<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4c4 ff4 fs2 fc2 sc0 ls0 ws0\">Die NSFR ist ein Mindestst<span class=\"_ _0\"></span>andard zur Verringerung des Refinanzierungsrisikos \u00fcb<span class=\"_ _0\"></span>er einen l\u00e4ngeren Zeithorizont. Die struktu-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c5 ff4 fs2 fc2 sc0 ls0 ws0\">relle Liquidit\u00e4tsquot<span class=\"_ _0\"></span>e soll eine nachhaltige Refinanzierungsstruktur sicherst<span class=\"_ _0\"></span>ellen, indem sie die Fristentransformation zwi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c6 ff4 fs2 fc2 sc0 ls0 ws0\">schen Aktivgesch\u00e4ft einerseits und<span class=\"_ _0\"></span> der Refinanzierung andererseits begrenzt und somit das<span class=\"_ _0\"></span> Risiko k\u00fcnftiger Refinanzierungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4c7 ff4 fs2 fc2 sc0 ls0 ws0\">probleme vermindert<span class=\"_ _0\"></span>. Die NSFR per 31.12.2022 betru<span class=\"_ _0\"></span>g 132,3% (31.12.2021: 137,6%). <span class=\"_ _7\"> </span> </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">128<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ff5 fs2 fc2 sc0 ls0 ws0\">Verantwortung f\u00fcr das Liquidit\u00e4tsrisikomanagement<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement ist f\u00fcr das operative Berichtsw<span class=\"_ _0\"></span>esen und die Einstellung und \u00dcberwachung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">der entsprechenden Risikolimits verantwo<span class=\"_ _0\"></span>rtlich. Eb<span class=\"_ _0\"></span>enso ist die Abteilung Strategisches Risikomanagement f\u00fcr<span class=\"_ _0\"></span> die Weiterent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">wicklung und die Wartung d<span class=\"_ _0\"></span>er verwendeten Modelle zur Risikosteuerung, f\u00fcr die Parametr<span class=\"_ _0\"></span>isierung der Liquidit\u00e4tsablaufbi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">lanzen sowie f\u00fcr das Backtesting der M<span class=\"_ _0\"></span>odelle zust\u00e4ndig.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h6 y64 ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y65 ff5 fs2 fc2 sc0 ls0 ws0\">Kurzfristige Liquidit\u00e4tssteuerung<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist f\u00fcr die kurzfristige, t\u00e4gliche Liquidit\u00e4tssteuerung in a<span class=\"_ _0\"></span>llen W\u00e4hrungen verantwortlich. Di<span class=\"_ _1\"></span><span class=\"lsc\">e<span class=\"_ _128\"> </span></span><span class=\"lsc\"> </span></div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">t\u00e4gliche Steuerung der Liqu<span class=\"_ _0\"></span>idit\u00e4t erfolgt mittels einer kurzfristigen Liquidit\u00e4tsablaufbilanz. Es wi<span class=\"_ _1\"></span>rd t\u00e4glich von der Abteilun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\">Strategisches Risikomanagement<span class=\"_ _0\"></span> eine Liquidit\u00e4tsablaufbilanz inklusive Neugesch\u00e4ftsann<span class=\"_ _0\"></span>ahmen f\u00fcr die n\u00e4chsten 30 Tage<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">erstellt, die die Nettomittelzu<span class=\"_ _0\"></span>- bzw. -abfl\u00fcsse so<span class=\"_ _0\"></span>wie den akkumulierten Gap der Bank darst<span class=\"_ _0\"></span>ellt. Die Zentralbank<span class=\"_ _0\"></span>guthaben<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11a ff4 fs2 fc2 sc0 ls0 ws0\">abz\u00fcglich Mindestr<span class=\"_ _0\"></span>eserveerfordernis und die freien unkommittierten Interb<span class=\"_ _0\"></span>anklinien (unkommittierte Interbanklinien abz\u00fc-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11b ff4 fs2 fc2 sc0 ls0 ws0\">glich tats\u00e4chlicher bzw. geplan<span class=\"_ _0\"></span>ter Ausnutzung) werden als Limitlin<span class=\"_ _0\"></span>ie dargestellt und bilden die Coun<span class=\"_ _0\"></span>terbalancing Capacity.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y11c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y11d ff4 fs2 fc2 sc0 ls0 ws0\">Dar\u00fcber hinaus wird f\u00fcr die n\u00e4chsten 30 T<span class=\"_ _0\"></span>age eine Liquidit\u00e4tsablaufbilanz erstellt, die auf t<span class=\"_ _0\"></span>\u00e4glicher Basis nur die kontraktu<span class=\"_ _1\"></span>el-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y11e ff4 fs2 fc2 sc0 ls0 ws0\">len Cashflows der Ob<span class=\"_ _0\"></span>erbank AG darstellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y11f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y120 ffb fs2 fc2 sc0 ls0 ws0\">Liquidit\u00e4tsablaufbilanz inkl. Neugesch\u00e4ftsannahmen 30 Tage per 31.12.20<span class=\"_ _0\"></span>22 in Mio. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div><div class=\"t m0 x3 h5 y121 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y122 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x11b h5 yb00 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yb01 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y577 ff5 fs2 fc2 sc0 ls0 ws0\">Steuerung der langfristigen bzw. strategischen Liquidit\u00e4t<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y578 ff4 fs2 fc2 sc0 ls0 ws0\">Die Steuerung der lan<span class=\"_ _0\"></span>gfristigen bzw. strategischen Liquidit\u00e4t der Oberban<span class=\"_ _0\"></span>k AG liegt in der Zust\u00e4ndigkeit des Vorstands und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y579 ff4 fs2 fc2 sc0 ls0 ws0\">des APM-Komitees. Das Rep<span class=\"_ _0\"></span>orting erfolgt durch die Abteilung Strategisches<span class=\"_ _0\"></span> Risikoman<span class=\"_ _0\"></span>agement. Zur Darstellung des mittel<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y57a ff4 fs2 fc2 sc0 ls0 ws0\">und langfristigen Liquid<span class=\"_ _0\"></span>it\u00e4tsrisikomanagements der Bank wird eine umfassende Liqu<span class=\"_ _0\"></span>idit\u00e4tsablaufbilanz erstellt, in der die aus<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 yb02 ff4 fs2 fc2 sc0 ls0 ws0\">den Gesch\u00e4ften resu<span class=\"_ _0\"></span>ltierenden Zahlungsstr\u00f6me pro Laufzeitband aufsummiert w<span class=\"_ _0\"></span>erden.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y57c ff4 fs2 fc2 sc0 ls0 ws0\">Zur Steuerung des Liqu<span class=\"_ _0\"></span>idit\u00e4tsrisikos in den einzelnen W\u00e4hrungen werden d<span class=\"_ _0\"></span>ie Liquidit\u00e4tsgaps f\u00fcr die wesentlichen <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 yb03 ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungen (EUR, USD,<span class=\"_ _0\"></span> CZK und HUF) einzeln berichtet.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div>Konzernabschluss<span class=\"_ _0\"></span> 129<span class=\"ls0\"> </span>Liquidit\u00e4tsablaufbilanz mittel- bis langfr<span class=\"_ _0\"></span>istig f\u00fcr alle W\u00e4hrungen per 31.12.2022 und 31.1<span class=\"_ _0\"></span><span class=\"ffb\">2.2<span class=\"_ _0\"></span>021 in Mio. \u20ac</span> In der Kapitalbindun<span class=\"_ _0\"></span>gsbilanz (ohne Neugesch\u00e4ftsannahmen) l\u00e4sst sich a<span class=\"_ _0\"></span>m Ende des 1.Jahres ein Refinanzierun<span class=\"_ _0\"></span>gserfordernis<span class=\"_ _128\"> </span> von 3,5 Mrd Euro (Vorjahr<span class=\"_ _0\"></span>: 2,1 Mrd. Euro) erkennen. Dies entspricht einer Fund<span class=\"_ _0\"></span>ing Ratio von 75,3 % (Vorjahr: 84,7 %<span class=\"_ _1\"></span>), womit<span class=\"_ _128\"> </span> das intern festgelegte Limit von 70 % ein<span class=\"_ _0\"></span>gehalten wird.<span class=\"_ _128\"> </span> Die Laufzeitenstruktur der f\u00fcr<span class=\"_ _0\"></span> Repotransaktionen hinterlegten Wertpapiere und Kred<span class=\"_ _0\"></span>ite stellt sich wie folgt dar:<span class=\"_ _1\"></span> <table class=\"s w476 h21a\" id=\"_4eecafa6-72ac-4ad1-93df-00c98ad4b0fb\"><tr><td class=\"c x3a4 y17ba w1b5 hc\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2022<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17ba w145 hc\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17ba w1b6 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17ba w145 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17ba w1b6 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y17bb w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y17bb w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.512 </div></td><td class=\"c x3a6 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">484.868 </div></td><td class=\"c x3a7 y17bb w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.379.657 </div></td><td class=\"c x3a8 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.054 </div></td></tr><tr><td class=\"c x3a4 y17bc w1b5 h12\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2021<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17bc w145 h12\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17bc w1b6 h12\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17bc w145 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17bc w1b6 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y14f4 w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y14f4 w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.008 </div></td><td class=\"c x3a6 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">482.717 </div></td><td class=\"c x3a7 y14f4 w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.765.168 </div></td><td class=\"c x3a8 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">285.209 </div></td></tr></table>Zus\u00e4tzlich standen d<span class=\"_ _0\"></span>er Oberbank AG per <span class=\"_ _0\"></span>31.12.2022 Sicherheiten mit einem Deckungswert v<span class=\"_ _0\"></span>on 568,1 Mio. EUR (Vorjahr:<span class=\"_ _128\"> </span> 599,4 Mio. Euro) au<span class=\"_ _0\"></span>s Reverse Repos mit der CNB zur Verf\u00fcgung, die jederzeit zur Liq<span class=\"_ _0\"></span>uidit\u00e4tsbeschaffung bei der CNB hin<span class=\"_ _0\"></span>ter-<span class=\"_ _128\"> </span>legt werden k\u00f6nnen. Der St<span class=\"_ _0\"></span>and der jederzeit abzugsf\u00e4higen Z<span class=\"_ _0\"></span>entralbankreserven<span class=\"_ _0\"></span> betrug per 31.12.2022 2.018 Mio. Euro<span class=\"_ _0\"></span> (Vorjahr: 4.046 Mio. Euro<span class=\"_ _0\"></span>). Die Ermittlung von Liqu<span class=\"_ _0\"></span>idit\u00e4ts-Gaps basiert auf kontraktuellen Cashflows. F\u00fc<span class=\"_ _0\"></span>r Positionen ohne<span class=\"_ _128\"> </span> definierte Kapitallaufzeit werd<span class=\"_ _0\"></span>en Annahmen getroffen (z. B. werden Sichteinla<span class=\"_ _0\"></span>gen a<span class=\"_ _0\"></span>ls 12-Monats-rollierende Posit<span class=\"_ _0\"></span>ionen,<span class=\"_ _128\"> </span> Sonstige Aktiva/Passiva als ro<span class=\"_ _0\"></span>llierende Langfristpositionen und Eigenkapital a<span class=\"_ _0\"></span>ls langfristige Position dargestellt).<span class=\"_ _1\"></span> Um die Auswirkungen von Liq<span class=\"_ _0\"></span>uidit\u00e4tskrisen darzustellen und die Angemessenheit des Liquidit<span class=\"_ _0\"></span>\u00e4tspuff<span class=\"_ _0\"></span>ers <span class=\"_ _0\"></span>zu pr\u00fcfen, werden<span class=\"_ _128\"> </span> Stressszenarien gerechnet. Es werden<span class=\"_ _0\"></span> die Szenarien Verschlechterung der Reputat<span class=\"_ _0\"></span>ion, Marktkrise und als Worst Case eine<span class=\"_ _128\"> </span> Kombination dieser beiden s<span class=\"_ _0\"></span>imuliert. F\u00fcr extreme Marktverh\u00e4ltnisse wurde ein Not<span class=\"_ _0\"></span>fallplan ausgearbeitet.<span class=\"_ _0\"></span> Vertragliche Cashflows der finanziellen Verbindlic<span class=\"_ _0\"></span>hkeiten nach IFRS 7/39 a und b<span class=\"_ _0\"></span> <table class=\"s w477 h21b\" id=\"_e6c98e8e-ee8f-46ea-828e-145a69bd13a9\"><tr><td></td><td></td><td class=\"c x3a9 y17bd w478 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17be w1b7 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17be w40 h3b\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17be w40 h3b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17be w36 h3b\"><div class=\"t m0 x5c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17be w37 h3b\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17be w38 h3b\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17c0 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c1 w47a h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735  </div></td><td class=\"c x3b0 y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.669.838  </div></td><td class=\"c x3ac y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">901.757  </div></td><td class=\"c x3ad y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">514.536  </div></td><td class=\"c x3ae y17c2 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.275.062  </div></td><td class=\"c x3af y17c2 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x3a4 y17c3 w1b7 ha0\"><div class=\"t m0 xa6 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.292.756  </div></td><td class=\"c x3b0 y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.431.861  </div></td><td class=\"c x3ac y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">541.898  </div></td><td class=\"c x3ad y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">490.884  </div></td><td class=\"c x3ae y17c3 w37 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.420.594  </div></td><td class=\"c x3af y17c3 w38 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x178 y17c4 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c5 w47b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355  </div></td><td class=\"c x3b0 y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.166.224  </div></td><td class=\"c x3ac y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.539.885  </div></td><td class=\"c x3ad y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.023.651  </div></td><td class=\"c x3ae y17c6 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">415.079  </div></td><td class=\"c x3af y17c6 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">187.609  </div></td></tr><tr><td class=\"c x3a4 y17c7 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x3b0 y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.694.494  </div></td><td class=\"c x3ac y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.587  </div></td><td class=\"c x3ad y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.399  </div></td><td class=\"c x3ae y17c7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">928.253  </div></td><td class=\"c x3af y17c7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.622.255  </div></td></tr><tr><td class=\"c x3a4 y17c8 w1b7 h3b\"><div class=\"t m0 x90 h6 y9d8 ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712  </div></td><td class=\"c x3b0 y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">565.266  </div></td><td class=\"c x3ac y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.224  </div></td><td class=\"c x3ad y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.659  </div></td><td class=\"c x3ae y17c8 w37 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">299.672  </div></td><td class=\"c x3af y17c8 w38 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">202.712  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17cb w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.170  </div></td><td class=\"c x3b0 y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">232.977  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls2 ws0\">162</div></td><td class=\"c x3ad y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.734  </div></td><td class=\"c x3ae y17cb w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">138.091  </div></td><td class=\"c x3af y17cb w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.314  </div></td></tr></table>Konzernabschluss<span class=\"_ _0\"></span> 130<span class=\"ls0\"> </span><table class=\"s w477 h21c\" id=\"_c6cc4739-97b4-4c2f-ac26-9c00a26ec5f4\"><tr><td></td><td></td><td class=\"c x3a9 y17cc w478 h21d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17cd w1b7 ha0\"><div class=\"t m0 x90 h6 y81 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17cd w40 ha0\"><div class=\"t m0 x85 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17cd w40 ha0\"><div class=\"t m0 x59 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17cd w36 ha0\"><div class=\"t m0 x5c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17cd w37 ha0\"><div class=\"t m0 x47 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17cd w38 ha0\"><div class=\"t m0 x8c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17ce w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17cf w47a h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.337  </div></td><td class=\"c x3b0 y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.991.906  </div></td><td class=\"c x3ac y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.017.656  </div></td><td class=\"c x3ad y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">402.361  </div></td><td class=\"c x3ae y17d0 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.701.525  </div></td><td class=\"c x3af y17d0 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x3a4 y17d1 w1b7 h3b\"><div class=\"t m0 xa6 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.042.864  </div></td><td class=\"c x3b0 y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.088.338  </div></td><td class=\"c x3ac y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">425.994  </div></td><td class=\"c x3ad y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">401.074  </div></td><td class=\"c x3ae y17d1 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390.905  </div></td><td class=\"c x3af y17d1 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x178 y17d2 w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17d3 w47b h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589  </div></td><td class=\"c x3b0 y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.763.428  </div></td><td class=\"c x3ac y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.681.943  </div></td><td class=\"c x3ad y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">422.926  </div></td><td class=\"c x3ae y17d4 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">433.152  </div></td><td class=\"c x3af y17d4 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">225.408  </div></td></tr><tr><td class=\"c x3a4 y17d5 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.646  </div></td><td class=\"c x3b0 y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.339.361  </div></td><td class=\"c x3ac y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.952  </div></td><td class=\"c x3ad y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.286  </div></td><td class=\"c x3ae y17d5 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">806.118  </div></td><td class=\"c x3af y17d5 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.388.005  </div></td></tr><tr><td class=\"c x3a4 y17d6 w1b7 h3a\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368  </div></td><td class=\"c x3b0 y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.687  </div></td><td class=\"c x3ac y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.222  </div></td><td class=\"c x3ad y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.283  </div></td><td class=\"c x3ae y17d6 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">321.477  </div></td><td class=\"c x3af y17d6 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.706  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17d7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.823  </div></td><td class=\"c x3b0 y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                            </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.971  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls2 ws0\">495</div></td><td class=\"c x3ad y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.795  </div></td><td class=\"c x3ae y17d7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.116  </div></td><td class=\"c x3af y17d7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.555  </div></td></tr></table>49) Risiko einer \u00fcberm\u00e4\u00dfigen Ve<span class=\"_ _0\"></span>rschuldung<span class=\"_ _128\"> </span> Die Oberbank AG misst<span class=\"_ _0\"></span> das Risiko einer \u00fcberm\u00e4\u00dfigen Verschuldung durch Berechnun<span class=\"_ _0\"></span>g der Verschuldungsquote (Leverage<span class=\"_ _1\"></span> Ratio) gem\u00e4\u00df Art. 429 CRR. <span class=\"_ _0\"></span>Zur Steuerung des Risikos wurde eine interne Gren<span class=\"_ _0\"></span>ze f\u00fcr die Verschuldungsquote in H\u00f6he von 4<span class=\"_ _128\"> </span> % festgelegt. Die Verschuldungsquote betrug zu<span class=\"_ _0\"></span>m 31.12.2022 10,96 % (31.12.2021: 11,91 %<span class=\"_ _0\"></span>).<span class=\"_ _0\"></span><span class=\"fs1\"> </span>Die Ver\u00e4nderung der Leverage<span class=\"_ _128\"> </span> Ratio resultiert h<span class=\"_ _0\"></span>aupts\u00e4chlich daraus, dass das Nationalban<span class=\"_ _0\"></span>kguthaben nicht mehr von der Gesamtrisikomessgr\u00f6\u00df<span class=\"_ _0\"></span>e der Ver-<span class=\"_ _128\"> </span>schuldungsquote abgezogen werd<span class=\"_ _0\"></span>en darf. Diese Covid<span class=\"_ _0\"></span>-19 Erleichterun<span class=\"_ _0\"></span>g war nur bis 31.03.2022 zul\u00e4ssig.<span class=\"_ _128\"> </span> 50) Nachhaltigkeitsrisiko<span class=\"_ _128\"> </span> Das Nachhaltigkeitsrisiko umfasst<span class=\"_ _0\"></span> physische Risiken, die sich aus Extremwetterereignissen ergeb<span class=\"_ _0\"></span>en und Transitionsrisiken,<span class=\"_ _128\"> </span> die sich aus dem Umstieg auf eine Wirtsch<span class=\"_ _0\"></span>aft mit wenig CO\u00b2 Aussto\u00df ergeben. <span class=\"_ _0\"></span>Gem\u00e4\u00df den Empfehlungen der FM<span class=\"_ _0\"></span>A im <span class=\"_ _0\"></span><span class=\"ffd\">Leitfa<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span>den zum Umgang mit<span class=\"_ _0\"></span> Nachhaltigkeitsrisiken<span class=\"_ _0\"></span><span class=\"ff4\"> werden die Spezialthemen des Nachh<span class=\"_ _0\"></span>altigkeitsrisikos in der Risikosteuerung im<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span>Rahmen der Prim\u00e4rrisiken abgedeckt. D<span class=\"_ _0\"></span>etails zur Steuerung der Nachhaltigkeitsrisiken im Kr<span class=\"_ _0\"></span>editportfolio sind in der Note 43<span class=\"_ _128\"> </span> dargestellt.<span class=\"_ _128\"> </span> 51) Systemisches Risiko<span class=\"_ _128\"> </span> Das systemische Risiko beschreibt d<span class=\"_ _0\"></span>as Risiko einer St\u00f6rung im Finanzsyst<span class=\"_ _0\"></span>em insgesamt oder von Teilen des Finanzsyst<span class=\"_ _0\"></span>ems,<span class=\"_ _128\"> </span> welches schwerwiegende negative Ausw<span class=\"_ _0\"></span>irkungen im Finanzsystem und in<span class=\"_ _0\"></span> der Realwirtschaft nach sich ziehen kann.<span class=\"_ _0\"></span> So kann die Zah<span class=\"_ _0\"></span>lungsunf\u00e4higkeit eines Marktteilnehmers zu einer Kettenreakt<span class=\"_ _0\"></span>ion f\u00fchren, die erhebliche Liquidit\u00e4ts<span class=\"_ _0\"></span>- u<span class=\"_ _0\"></span>nd Sol-<span class=\"_ _128\"> </span>venzprobleme einer Vielzahl anderer M<span class=\"_ _0\"></span>arktteilnehmer nach sich zieht. Dies kann wiederu<span class=\"_ _0\"></span>m den funktionellen <span class=\"_ _1\"></span> Zusammenbruch von<span class=\"_ _0\"></span> Teilen des Finanzsystems od<span class=\"_ _0\"></span>er des Finanzsystems in seiner G<span class=\"_ _0\"></span>esamtheit bewirken. Systemische Risiken<span class=\"_ _128\"> </span> sind aufgrund komplexer Wirkun<span class=\"_ _0\"></span>gszusammenh\u00e4nge im Finanzsyst<span class=\"_ _0\"></span>em schwer vorhersehbar und beeinflussbar<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> Die FMA hat in ihrer Funktion als nationale Ab<span class=\"_ _0\"></span>wicklungsbeh\u00f6rde f\u00fcr die Oberban<span class=\"_ _0\"></span>k AG <span class=\"_ _0\"></span>im Falle der Festst<span class=\"_ _0\"></span>ellung eines Ausfalls<span class=\"_ _128\"> </span> oder wahrscheinlichen Ausfalls die Anw<span class=\"_ _0\"></span>endung eines Abwicklungsverfahr<span class=\"_ _0\"></span>ens indiziert.  Diese Bewertung basiert<span class=\"_ _0\"></span> auf der Identifizierung von kritischen Funktionen und der Erwartun<span class=\"_ _0\"></span>g erheblich negativer Auswirkun-<span class=\"_ _128\"> </span>gen auf die Finanzst<span class=\"_ _0\"></span>abilit\u00e4t in \u00d6sterreich im Fall eines Marktaustrittes auf Grund einer I<span class=\"_ _0\"></span>nsolvenz.<span class=\"_ _0\"></span> Die FMA hat der Oberban<span class=\"_ _0\"></span>k AG daher vorgeschrieben einen Mindestbetrag an Eigenmitteln und ber\u00fc<span class=\"_ _0\"></span>cksichtigungsf\u00e4higen <span class=\"_ _0\"></span> Verbindlichkeiten (MRE<span class=\"_ _0\"></span>L) vorzuhalten.<span class=\"_ _128\"> </span> Mit diesem MREL E<span class=\"_ _0\"></span>rfordernis soll sichergestellt werden, dass ein Institut zu<span class=\"_ _0\"></span> jeder Zeit eine Mindestquote an Eigenmitt<span class=\"_ _0\"></span>eln<span class=\"_ _128\"> </span> und MREL-f\u00e4higen Verb<span class=\"_ _0\"></span>indlichkeiten einh\u00e4lt (ausreichender Puffer an V<span class=\"_ _0\"></span>erlustabsorptionskapital f\u00fcr den Abwicklungsfall und<span class=\"_ _0\"></span> die daf\u00fcr vorgesehene Ab<span class=\"_ _0\"></span>wicklungsstrategie). Diese Quote w<span class=\"_ _0\"></span>ird entweder als Anteil am Risikopositionswert (T<span class=\"_ _0\"></span>REA) oder als<span class=\"_ _128\"> </span> Anteil an der Gesamtrisikopositionsmessgr\u00f6\u00df<span class=\"_ _0\"></span>e (LRE/TEM) ausgedr\u00fcckt.<span class=\"_ _0\"></span> Die vorgeschriebene H\u00f6he der Kennziffern wird<span class=\"_ _0\"></span> nicht f\u00fcr alle Institute der EU einheitlich f<span class=\"_ _1\"></span>estgelegt, sondern vielmehr  institutsspezifisch bestimmt. F\u00fcr die Oberb<span class=\"_ _0\"></span>ank AG hat die FMA folgende Quoten festgelegt, die ab 1.1.2022 ein<span class=\"_ _0\"></span>zuhalten<span class=\"_ _128\"> </span> sind:<span class=\"_ _128\"> </span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">vorgeschriebene TREA Quot<span class=\"_ _0\"></span>e: 19,41 %<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">vorgeschriebene LRE/TEM Qu<span class=\"_ _0\"></span>ote: 5,90 %. <span class=\"_ _7\"> </span> </span></span><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">131<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5f ff4 fs2 fc2 sc0 ls0 ws0\">Per 31.12.2022 betrug die T<span class=\"_ _0\"></span>REA Quote 25,69 % (31.12.2021: 27,28 %) u<span class=\"_ _0\"></span>nd die LRE/TEM Quote 16,95 % (31.12.2021: <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\">19,03 %). Der R\u00fcckgang geht<span class=\"_ _0\"></span> mit dem starken Kreditwachstum und<span class=\"_ _0\"></span> dem nicht so starken Anstieg der Eigenmittel einher. Zu-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y61 ff4 fs2 fc2 sc0 ls0 ws0\">s\u00e4tzlich wurde erstmals der<span class=\"_ _0\"></span> Bewilligungsbetrag gem\u00e4\u00df Art. 78a CRR in Ab<span class=\"_ _0\"></span>zug gebracht. Nachdem die Covid<span class=\"_ _0\"></span>-19 Erleichteru<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62 ff4 fs2 fc2 sc0 ls0 ws0\">zum Abzug der <span class=\"_ _0\"></span>Nationalbankguthaben von der Gesamtrisikomessgr\u00f6\u00dfe der V<span class=\"_ _0\"></span>erschuldungsquote nicht mehr anw<span class=\"_ _0\"></span>endbar ist,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y63 ff4 fs2 fc2 sc0 ls0 ws0\">hat auch dies eine entspr<span class=\"_ _0\"></span>echende Auswirkung auf d<span class=\"_ _0\"></span><span class=\"ls1d\">ie</span> LRE/TEM Quote.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y64 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y65 ff5 fs2 fc2 sc0 ls0 ws0\">52) Sonstige Risiken<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y66 ff4 fs2 fc2 sc0 ls0 ws0\">In den sonstigen Risiken sind jene Risiken zusa<span class=\"_ _0\"></span>mmengefasst, die im Rahmen des Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dells des Oberbank Ko<span class=\"_ _0\"></span>nzerns<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y67 ff4 fs2 fc2 sc0 ls0 ws0\">als unwesentlich klassifiziert w<span class=\"_ _0\"></span>erden und f\u00fcr die daher aus der Risikodeckungsmasse kein Einzellimi<span class=\"_ _0\"></span>t ab<span class=\"_ _0\"></span>geleitet wird.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y68 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y119 ff4 fs2 fc2 sc0 ls0 ws0\">In die Kategorie sonstige Risiken fallen im Sp<span class=\"_ _0\"></span>eziellen folgende Bankr<span class=\"_ _0\"></span>isiken:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha y423 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Reputationsrisiken<span class=\"_ _0\"></span> entstehen aus negativen Wahrneh<span class=\"_ _0\"></span>mungen in der \u00d6ffentlichkeit. Der dadurch gesch\u00e4digte Ru<span class=\"_ _0\"></span>f (z. B.<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x6 h5 yf5 ff9 fs2 fc2 sc0 ls0 ws0\">bei KundInnen, Gesch\u00e4ft<span class=\"_ _0\"></span>spartnerInnen, Aktion\u00e4rInnen, Beh\u00f6rden \u2026) und d<span class=\"_ _0\"></span>er damit einhergehende Vertrauensverlust<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y1e1 ff4 fs2 fc2 sc0 ls0 ws0\">k\u00f6nnen zu Ergebniseinbr\u00fc<span class=\"_ _0\"></span>chen bzw. Verlusten f\u00fchr<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha y4f2 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Als Gesch\u00e4ftsrisiken w<span class=\"_ _0\"></span>erden die Risiken bezeichnet, die aus un<span class=\"_ _0\"></span>erwarteten Ergebnisschwankungen wegen ge\u00e4nderter<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span></div><div class=\"t m0 x6 h5 y4f3 ff4 fs2 fc2 sc0 ls0 ws0\">Rahmenbedingun<span class=\"_ _0\"></span>gen resultieren (z. B. geringere Ertr\u00e4ge, die keine Aufwand<span class=\"_ _0\"></span>sk\u00fcrzung im gleichen Ausma\u00df erm\u00f6glichen,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y821 ff4 fs2 fc2 sc0 ls0 ws0\">ver\u00e4nderte Wettbewerb<span class=\"_ _0\"></span>sverh\u00e4<span class=\"ff9\">ltnisse, ge\u00e4ndertes Kundenverhalten und Fo<span class=\"_ _0\"></span>lgen des technischen Fortschritts \u2026).<span class=\"_ _0\"></span></span> </div><div class=\"t m0 x3 ha y4f4 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Strategische Risiken resultieren d<span class=\"_ _0\"></span>araus, dass langfristige Unternehmensziele auf Basis d<span class=\"_ _0\"></span>er zugrunde liegenden Gesch\u00e4fts-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x6 h5 y4f5 ff4 fs2 fc2 sc0 ls0 ws0\">annahmen oder w<span class=\"_ _0\"></span>egen ge\u00e4nderter Rahmenbedingungen verfehlt<span class=\"_ _0\"></span> werden. Eine Vermeidung bzw. Redu<span class=\"_ _0\"></span>zierung dieser<span class=\"_ _128\"> </span> </div><div class=\"t m0 x6 h5 y4f6 ff4 fs2 fc2 sc0 ls0 ws0\">Risiken kann durch st\u00e4n<span class=\"_ _0\"></span>dige Beobachtung der Marktverh\u00e4ltnisse und<span class=\"_ _0\"></span> Wettbewerbsbedingungen sowie durch eine rollie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x6 h5 y4f7 ff4 fs2 fc2 sc0 ls0 ws0\">rende strategische Planun<span class=\"_ _0\"></span>g mit laufender Anpassung an das Marktu<span class=\"_ _0\"></span>mfeld erzielt werden.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y72 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y73 ff5 fs2 fc2 sc0 ls0 ws0\">53) Risikobericht <span class=\"ffb\">\u2013</span> Zusammenf<span class=\"_ _0\"></span>assung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y74 ff4 fs2 fc2 sc0 ls0 ws0\">Das Risikomanagement ist in<span class=\"_ _0\"></span> der Oberbank AG integraler Bestand<span class=\"_ _0\"></span>teil der Gesch\u00e4ftspolitik, der strategischen Zieleplanun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y75 ff4 fs2 fc2 sc0 ls0 ws0\">sowie des operativen Managements b<span class=\"_ _0\"></span>zw. Controllings. Die zentrale Verantwortung f\u00fcr d<span class=\"_ _0\"></span>as Risikomanagement <span class=\"_ _0\"></span>liegt b<span class=\"_ _0\"></span>eim<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4f8 ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtvorstand der Oberb<span class=\"_ _0\"></span>ank AG.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4f9 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr jedes wesentliche Risiko des Oberb<span class=\"_ _0\"></span>ank Konzerns gibt es definierte Steueru<span class=\"_ _0\"></span>ngsverantwortlichkeiten sowie zugewiesene<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4fa ff4 fs2 fc2 sc0 ls0 ws0\">Risikodeckungsmassen (Limits) od<span class=\"_ _0\"></span>er definierte Steuerungsprozesse.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4fb ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4fc ff5 fs2 fc2 sc0 ls0 ws0\">54) Gesamtvolumen noch nicht abgewickel<span class=\"_ _0\"></span>ter derivativer Finanzprodukte<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4fd ff4 fs2 fc2 sc0 ls0 ws0\">Die am Bilanzstichtag noch<span class=\"_ _0\"></span> nicht abgewickelten derivativen Finanzgesch\u00e4fte werd<span class=\"_ _0\"></span>en in der folgenden \u00dcbersicht<span class=\"_ _0\"></span> einseitig<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4fe ff4 fs2 fc2 sc0 ls0 ws0\">dargestellt. In der Oberbank w<span class=\"_ _0\"></span>erden Derivate \u00fcberwiegend zur Absicherung von M<span class=\"_ _0\"></span>arktrisiken im K<span class=\"_ _0\"></span>undengesch\u00e4ft<span class=\"_ _0\"></span> und zur<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y338 ff4 fs2 fc2 sc0 ls0 ws0\">Steuerung des Ban<span class=\"_ _0\"></span>kbuchs abgeschlossen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4ff ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank verfolgt fo<span class=\"_ _0\"></span>lgende Absicherungsstrategie:<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha y3e7 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Derivative Produkte, die an G<span class=\"_ _0\"></span>esch\u00e4ftskundInnen verkauft werden, werden grunds\u00e4tzlich geschlossen.<span class=\"_ _1\"></span> </span></span></div><div class=\"t m0 x3 ha yb36 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Derivative Produkte werden<span class=\"_ _0\"></span> weiters zur Absicheru<span class=\"_ _0\"></span>ng von Zins- und W\u00e4hrungsr<span class=\"_ _0\"></span>isiken aus Kassagesch\u00e4ften eingesetzt.<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x3 ha y571 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Langlaufende eigene Emissionen u<span class=\"_ _0\"></span>nd Schuldscheindarlehen, die zur Absicherung d<span class=\"_ _0\"></span>er Liquidit\u00e4t begeben werden, werden<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x6 h5 yb37 ff4 fs2 fc2 sc0 ls0 ws0\">zum Teil mittels Zinsswap<span class=\"_ _0\"></span>s zinsgesichert.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 ha yb38 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Im Einzelfall werden fix verzinst<span class=\"_ _0\"></span>e Wertpapierveranlagungen f\u00fcr das<span class=\"_ _0\"></span> Bankbuch mittels Swap abgesichert.<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x3 ha yb39 ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Offene Derivate sind dah<span class=\"_ _0\"></span>er lediglich in untergeordneter H\u00f6he im Handelsbuch vorh<span class=\"_ _0\"></span>anden.<span class=\"_ _0\"></span> </span></span></div><div class=\"t m0 x3 ha y85d ffa fs2 fc2 sc0 ls0 ws0\">\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Es befinden sich keine Kreditderiva<span class=\"_ _0\"></span>te im Bestand der Oberbank.</span></span><span class=\"ff7\"><span class=\"ff4\"><span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </span></span></div></div>Konzernabschluss<span class=\"_ _0\"></span> 132<span class=\"ls0\"> </span><table class=\"s w480 h21f\" id=\"_a33d9dbc-e40a-4e05-b6ba-1faa1fa54ac4\"><tr><td></td><td></td><td class=\"c x3b3 y17d8 w1ba hc\"><div class=\"t m0 x14 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Nominalbetr\u00e4ge </div></td><td></td><td></td><td class=\"c x3b4 y17d8 w1bb hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x3b5 y17d8 w1ba hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x3b3 y17d9 w1ba hd\"><div class=\"t m0 x41 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Restlaufzeit </div></td><td></td><td class=\"c x3b4 y17d9 w1bc hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x3b6 y17d9 w1bd hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td><td class=\"c x3b5 y17d9 w1be hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x215 y17d9 w6c hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td></tr><tr><td class=\"c x174 y17da w1b9 he\"><div class=\"t m0 x7 h23 y370 ffb fs8 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x3b3 y17da w1bf he\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">bis 1 Jahr </div></td><td class=\"c x3b7 y17da w1c0 he\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1 <span class=\"ls0\">- 5 J.</span><span class=\"ls0\"> </span></div></td><td class=\"c x35d y17da w1be he\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">&gt; 5 J. </div></td><td class=\"c x3b4 y17da w1bc he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x3b6 y17da w1c1 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b8 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td><td class=\"c x3b5 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x215 y17da w1c0 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b9 y17da w1bf he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td></tr><tr><td class=\"c x174 y17db w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dc w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dd w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17dd w1bf hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">110<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17dd w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.310 </div></td><td class=\"c x35d y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17dd w1bc hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.420 </div></td><td class=\"c x3b6 y17dd w1c1 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">212<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3b5 y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.920 </div></td><td class=\"c x215 y17dd w1c0 hf\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">64<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17de w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17de w1bf he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">460<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17de w1c0 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.710 </div></td><td class=\"c x35d y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17de w1bc he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.170 </div></td><td></td><td class=\"c x3b8 y17de w1be he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">229</span> </div></td><td class=\"c x3b5 y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.370 </div></td><td></td><td class=\"c x3b9 y17de w1bf he\"><div class=\"t m0 x4a h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">59</span> </div></td></tr><tr><td class=\"c x174 y17df w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Swaptions </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3b5 y17e0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.000 </div></td><td class=\"c x215 y17e0 w1c0 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">413<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17e1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td class=\"c x35d y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td class=\"c x3b4 y17e1 w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td></td><td class=\"c x3b8 y17e1 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.237 </div></td><td class=\"c x3b5 y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">49.000 </div></td><td></td><td class=\"c x3b9 y17e1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.354 </div></td></tr><tr><td class=\"c x174 y17e2 w1c2 he\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinsswaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e3 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17e3 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">22.535 </div></td><td class=\"c x3b7 y17e3 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">246.251 </div></td><td class=\"c x35d y17e3 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.856 </div></td><td class=\"c x3b4 y17e3 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">418.642 </div></td><td class=\"c x3b6 y17e3 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">33.568 </div></td><td class=\"c x3b8 y17e3 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.966 </div></td><td class=\"c x3b5 y17e3 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">532.867 </div></td><td class=\"c x215 y17e3 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.820 </div></td><td class=\"c x3b9 y17e3 w1bf hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-25.342 </div></td></tr><tr><td class=\"c x174 y17e4 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17e4 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">86.035 </div></td><td class=\"c x3b7 y17e4 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">981.582 </div></td><td class=\"c x35d y17e4 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">719.333 </div></td><td class=\"c x3b4 y17e4 w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.786.950 </div></td><td class=\"c x3b6 y17e4 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.098 </div></td><td class=\"c x3b8 y17e4 w1be hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-177.160 </div></td><td class=\"c x3b5 y17e4 w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.909.085 </div></td><td class=\"c x215 y17e4 w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">93.825 </div></td><td class=\"c x3b9 y17e4 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-5.867 </div></td></tr><tr><td class=\"c x174 y17e5 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Anleiheoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e6 w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e7 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e8 w1c2 hd\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Wechselkursvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e9 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">W\u00e4hrungsoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ea w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ea w1bf he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td></td><td></td><td class=\"c x3b4 y17ea w1bc he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td class=\"c x3b6 y17ea w1c1 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.242 </div></td><td></td><td class=\"c x3b5 y17ea w1be he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.405 </div></td><td class=\"c x215 y17ea w1c0 he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">354<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17eb w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17eb w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td></td><td class=\"c x3b4 y17eb w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td class=\"c x3b8 y17eb w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.272 </div></td><td class=\"c x3b5 y17eb w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">28.760 </div></td><td></td><td class=\"c x3b9 y17eb w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">291</span> </div></td></tr><tr><td class=\"c x174 y17ec w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Devisentermingesch\u00e4fte  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ed w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ed w1bf hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.685.649 </div></td><td class=\"c x3b7 y17ed w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">169.546 </div></td><td></td><td class=\"c x3b4 y17ed w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.855.195 </div></td><td class=\"c x3b6 y17ed w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.984 </div></td><td></td><td class=\"c x3b5 y17ed w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.292.108 </div></td><td class=\"c x215 y17ed w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">24.702 </div></td><td></td></tr><tr><td class=\"c x174 y17ee w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17ee w1bf he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.693.451 </div></td><td class=\"c x3b7 y17ee w1c0 he\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">170.065 </div></td><td></td><td class=\"c x3b4 y17ee w1bc he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.863.516 </div></td><td></td><td class=\"c x3b8 y17ee w1be he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-36.913 </div></td><td class=\"c x3b5 y17ee w1be he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.297.011 </div></td><td></td><td class=\"c x3b9 y17ee w1bf he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.703 </div></td></tr><tr><td class=\"c x174 y17ef w1c3 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Cross Currency Swaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17f0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17f0 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">27.368 </div></td><td class=\"c x3b7 y17f0 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">221.015 </div></td><td class=\"c x35d y17f0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.736 </div></td><td class=\"c x3b4 y17f0 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.119 </div></td><td class=\"c x3b6 y17f0 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.679 </div></td><td class=\"c x3b8 y17f0 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.207 </div></td><td class=\"c x3b5 y17f0 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.969 </div></td><td class=\"c x215 y17f0 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.739 </div></td><td class=\"c x3b9 y17f0 w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">639</span> </div></td></tr><tr><td class=\"c x174 y17f1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17f1 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">11.724 </div></td><td class=\"c x3b7 y17f1 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">171.853 </div></td><td></td><td class=\"c x3b4 y17f1 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">183.577 </div></td><td class=\"c x3b6 y17f1 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.473 </div></td><td class=\"c x3b8 y17f1 w1be hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-11.837 </div></td><td class=\"c x3b5 y17f1 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">176.455 </div></td><td class=\"c x215 y17f1 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.414 </div></td><td class=\"c x3b9 y17f1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-6.831 </div></td></tr></table>F\u00fcr die Berechnung d<span class=\"_ _0\"></span>er Marktwerte kommen anerkannte Bewertungsmodelle zum Einsat<span class=\"_ _0\"></span>z, wobei die Bewertung zu Markt<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span> bedingungen <span class=\"_ _0\"></span>durchgef\u00fchrt wird. F\u00fcr symmetrische Produkte (Int<span class=\"_ _0\"></span>erest Rate Swaps, Devisentermingesch\u00e4fte) erfolgt die<span class=\"_ _128\"> </span> Marktwertberechnun<span class=\"_ _0\"></span>g nach der Barwertmethode, wobei der Clean Price dargestellt wird. Als Basis f\u00fcr d<span class=\"_ _0\"></span>ie Berechnung kom-<span class=\"_ _128\"> </span>men die Zinskurven aus Refinit<span class=\"_ _0\"></span>y zur Anwendung. A<span class=\"_ _0\"></span>ls Devisenkurse werden die von d<span class=\"_ _0\"></span>er EZB ver\u00f6ffentlichten Referenzkurse<span class=\"_ _128\"> </span> verwendet. Die Marktwert<span class=\"_ _0\"></span>e von asymmetrischen Produkten werden gem\u00e4\u00df Opt<span class=\"_ _0\"></span>ionspreismodellen wie zum Beispiel von<span class=\"_ _128\"> </span> Black-Scholes, Hull &amp; White berechnet. <span class=\"_ _0\"></span>F\u00fcr die Bewertung von Op<span class=\"_ _0\"></span>tionen w<span class=\"_ _0\"></span>erden implizite Volatilit\u00e4ten herangezogen.<span class=\"_ _128\"> </span> 55) Patronatserkl\u00e4rungen f\u00fcr Beteiligungen<span class=\"_ _0\"></span> Die Oberbank AG ist bestrebt<span class=\"_ _0\"></span>, dass folgende Gesellschaften ihre vertraglichen Verbind<span class=\"_ _0\"></span>lichkeiten erf\u00fcllen k\u00f6nnen:<span class=\"_ _0\"></span> Sonstige Finanzierungsgesellschaften:<span class=\"_ _0\"></span> <span class=\"_ _80\"> </span><span class=\"ff4\">Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </span>Immobiliengesellschaften: <span class=\"_ _0\"></span> <span class=\"_ _c\"> </span> <span class=\"_ _c\"> </span><span class=\"ff9\">\u201eAM\u201c Bau<span class=\"_ _0\"></span><span class=\"ff4\">- und Geb\u00e4udevermietun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz </span></span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H., Linz Informationen au<span class=\"_ _0\"></span>fgrund \u00f6ster<span class=\"_ _0\"></span>reichischen Rec<span class=\"_ _0\"></span>hts 56) Eigenkapital Das Eigenkapital setzt sich au<span class=\"_ _0\"></span>s dem eingezahlten Kapital der Oberban<span class=\"_ _0\"></span>k AG (Grundkapital zuz\u00fcglich Kapitalr\u00fc<span class=\"_ _0\"></span>cklagen) sowie dem erwirtschaftet<span class=\"_ _0\"></span>en Kapital (Gewinnr\u00fccklagen zuz\u00fcglich Jahres\u00fcberschu<span class=\"_ _0\"></span>ss) zusammen. Das Eigenkapital d<span class=\"_ _0\"></span>er Oberbank AG betr\u00e4gt 2.428,2 Mi<span class=\"_ _0\"></span>o. Euro (Vorjahr 2.296,7 Mio. Euro), hievon Grundkap<span class=\"_ _0\"></span>ital 105,8 Mio. Euro (Vorjahr 105,9 Mio.<span class=\"_ _0\"></span> Euro). <span class=\"_ _0\"></span> Da die Oberbank AG Divid<span class=\"_ _0\"></span>enden auf Basis der \u00f6sterreichischen Rechtslage aussch\u00fc<span class=\"_ _0\"></span>ttet ist nur ein Teil des nach UGB/<span class=\"_ _0\"></span>BWG berechneten Eigenkapit<span class=\"_ _0\"></span>als aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig, n\u00e4mlich der Bilanzgewinn, die freie Gewinnr\u00fccklage sowie die n<span class=\"_ _0\"></span>icht <span class=\"_ _0\"></span> gebundene Kapit<span class=\"_ _0\"></span>alr\u00fccklage. F\u00fcr 2022 w\u00e4re maximal ein Betrag in H\u00f6he vo<span class=\"_ _0\"></span>n 1.505,2 Mio. Euro aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig. Der <span class=\"_ _0\"></span> aussch\u00fcttungsf\u00e4hige Bilanzgewin<span class=\"_ _0\"></span>n betr\u00e4gt 51,4 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span>. <span class=\"_ _7\"> </span> Konzernabschluss<span class=\"_ _0\"></span> 133<span class=\"ls0\"> </span>57) Personal<span class=\"_ _128\"> </span> Im Oberbank Kon<span class=\"_ _0\"></span>zern waren 2022 im Jahresdurchschn<span class=\"_ _0\"></span>itt folgende Personalkapazit\u00e4ten im Einsatz:<span class=\"_ _0\"></span> <table class=\"s w481 h220\" id=\"_e9ab0146-d24a-4478-80b4-c10b40e3c219\"><tr><td class=\"c x1a7 y17f2 w1c5 h12\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Vollzeit\u00e4quivalente, ohne Vo<span class=\"_ _0\"></span>rstandsmitglieder/Gesch\u00e4ftsf\u00fchrerInnen<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td class=\"c x3ba y17f2 w137 h12\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x3bb y17f2 w1c6 h12\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y17f3 w1c5 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Angestellte<span class=\"_ _128\"> </span> </div></td><td class=\"c x3ba y17f3 w137 hf\"><div class=\"t m0 x35 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.134<span class=\"_ _128\"> </span> </div></td><td class=\"c x3bb y17f3 w1c6 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.152<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y17f4 w1c5 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Arbeiter<span class=\"_ _128\"> </span> </div></td><td class=\"c x3ba y17f4 w137 hf\"><div class=\"t m0 xc7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5<span class=\"_ _128\"> </span> </div></td><td class=\"c x3bb y17f4 w1c6 hf\"><div class=\"t m0 xc7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y17f5 w1c5 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtkapazit\u00e4t *)<span class=\"_ _128\"> </span> </div></td><td class=\"c x3ba y17f5 w137 hf\"><div class=\"t m0 x35 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.139<span class=\"_ _128\"> </span> </div></td><td class=\"c x3bb y17f5 w1c6 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.158<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x199 y17f6 w3 h3\"><div class=\"t m0 x3 h17 yb4c ff4 fs4 fc2 sc0 ls42 ws0\">*) <span class=\"ls0\">Darin sind 25 Mit<span class=\"_ _5\"></span>arbeiterkapazit<span class=\"_ _5\"></span>\u00e4ten, die zur Die<span class=\"_ _5\"></span>nstleistun<span class=\"_ _5\"></span>g an die 3 Banke<span class=\"_ _5\"></span>n IT GmbH entsandt<span class=\"_ _5\"></span> sind, entha<span class=\"_ _5\"></span>lten.</span><span class=\"ls0\"> </span></div><div class=\"t m0 x3 h17 y445 ff4 fs4 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 ye ffb fs2 fc2 sc0 ls0 ws0\">58) Wertpapieraufgliederung nach BWG in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div><div class=\"t m0 x3 h6 yf ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w482 h221\" id=\"_629a30fa-3b8e-4211-ab02-52aab9ea5148\"><tr><td></td><td class=\"c x3bd y17f7 w483 h158\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6r-<span class=\"_ _128\"> </span></div></td><td class=\"c x3be y17f7 w484 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wie AV bewer-<span class=\"_ _128\"> </span></div></td><td class=\"c x3bf y17f7 w485 h158\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Andere Bewer-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x3c0 y17f8 w486 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sennotiert<span class=\"_ _128\"> </span></div></td><td class=\"c x3c1 y17f9 w1c9 h34\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x3c2 y17f8 w487 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">tet<span class=\"_ _128\"> </span></div></td><td class=\"c x3c3 y17f8 w488 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">tung<span class=\"_ _128\"> </span></div></td><td class=\"c x3c4 y17f9 w1cc h34\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y17fa w489 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen u. a.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17fb w48a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">festverzinsliche Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x3c5 y17fc w1c8 h44\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.305 </div></td><td class=\"c x3c1 y17fc w1c9 h44\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.981.885 </div></td><td class=\"c x3c6 y17fc w1ca h44\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.781.315 </div></td><td class=\"c x3c7 y17fc w1cb h44\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.875 </div></td><td class=\"c x3c4 y17fc w1cc h44\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.128.190 </div></td></tr><tr><td class=\"c x3c8 y17fd w1c7 h28\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Aktien u. a. nicht festverzins-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">liche Wertpapiere </div></td><td class=\"c x3c5 y17fd w1c8 h28\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">155.232 </div></td><td class=\"c x3c1 y17fd w1c9 h28\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.263 </div></td><td class=\"c x3c6 y17fd w1ca h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.201 </div></td><td class=\"c x3c7 y17fd w1cb h28\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.294 </div></td><td class=\"c x3c4 y17fd w1cc h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">218.495 </div></td></tr><tr><td class=\"c x3c8 y17fe w1c7 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x3c5 y17fe w1c8 hd\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.508 </div></td><td class=\"c x3c1 y17fe w1c9 hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">317.572 </div></td><td class=\"c x3c6 y17fe w1ca hd\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">460.080 </div></td><td class=\"c x3c7 y17fe w1cb hd\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c4 y17fe w1cc hd\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">460.080 </div></td></tr><tr><td class=\"c x3c8 y17ff w1c7 h28\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbun<span class=\"_ _0\"></span>denen Un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ternehmen </div></td><td class=\"c x3c5 y17ff w1c8 h28\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td><td class=\"c x3c1 y17ff w1c9 h28\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c6 y17ff w1ca h28\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td><td class=\"c x3c7 y17ff w1cb h28\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c4 y17ff w1cc h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td></tr><tr><td></td><td class=\"c x3c5 y1800 w1c8 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">564.403<span class=\"ls0\"> </span></div></td><td class=\"c x3c1 y1800 w1c9 hf\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.362.720<span class=\"ls0\"> </span></div></td><td class=\"c x3c6 y1800 w1ca hf\"><div class=\"t m0 x9f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.416.954<span class=\"ls0\"> </span></div></td><td class=\"c x3c7 y1800 w1cb hf\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">510.169<span class=\"ls0\"> </span></div></td><td class=\"c x3c4 y1800 w1cc hf\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.927.123<span class=\"ls0\"> </span></div></td></tr></table>59) Konzerneigenmittel und bankaufsichtliches Eigenmittelerfo<span class=\"_ _0\"></span>rdernis<span class=\"_ _0\"></span> Die Oberbank AG unt<span class=\"_ _0\"></span>erliegt seit 1.1.2014 den Vorschriften der Verordnun<span class=\"_ _0\"></span>g (EU) Nr. <span class=\"_ _0\"></span>575/2013 (CRR) sowie der CRD I<span class=\"_ _0\"></span>V. Die<span class=\"_ _128\"> </span> definierten Mind<span class=\"_ _0\"></span>estkapitalerfordernisse wurden laufend erf\u00fcllt. Die ver\u00f6ffentlichten E<span class=\"_ _0\"></span>igenmittelbestandteile werden auch<span class=\"_ _128\"> </span> f\u00fcr die interne Kapitalsteuerung verw<span class=\"_ _0\"></span>endet.<span class=\"_ _128\"> </span> <table class=\"s w48b h222\" id=\"_ee055765-0300-4a88-94c6-ee861dd045db\"><tr><td class=\"c x178 y1801 w48c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anrechenbare Eigenmittel gem<span class=\"_ _0\"></span>. Teil 2</div></td><td></td><td></td><td class=\"c x21f y1802 w1ce hc\" colspan=\"2\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">      <span class=\"ls0\">Ver\u00e4nderung<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1803 w48d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">der VO (EU) Nr. 575/2013 <span class=\"ffb\">\u2013</span> <span class=\"ffb\">S\u00e4ule I in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td class=\"c x2e2 y1804 w67 hf\"><div class=\"t m0 xc9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1804 w68 hf\"><div class=\"t m0 xc9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1804 w1cf hf\"><div class=\"t m0 x54 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">absolut<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1804 w68 hf\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x174 y1805 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gezeichnetes Kapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1805 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.922<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1805 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.922<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1805 w1cf hf\"><div class=\"t m0 xf h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1805 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1806 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1806 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1806 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1806 w1cf hf\"><div class=\"t m0 xf h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1806 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1807 w1cd hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinnr\u00fccklagen<span class=\"_ _128\"> </span></div><div class=\"t m0 x12 h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x2e2 y1807 w67 hd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.708.576 </div></td><td class=\"c x214 y1807 w68 hd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505.296<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1807 w1cf hd\"><div class=\"t m0 x47 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">203.280<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1807 w68 hd\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,<span class=\"_ _128\"> </span>1 </div></td></tr><tr><td class=\"c x174 y1808 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anteile anderer Gesellschafter<span class=\"_ _0\"></span> </div></td><td class=\"c x2e2 y1808 w67 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1808 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1808 w1cf hf\"><div class=\"t m0 xf h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1808 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1809 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumuliertes sonstiges Ergebnis<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1809 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">121.069<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1809 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">108.702<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1809 w1cf hf\"><div class=\"t m0 x60 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">12.367<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1809 w68 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11,<span class=\"_ _128\"> </span>4 </div></td></tr><tr><td class=\"c x174 y180a w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufsichtliche Korrekturpo<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180a w67 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.078<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180a w68 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.169<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180a w1cf hf\"><div class=\"t m0 x54 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-20.247<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180a w68 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">&gt;-<span class=\"ls2\">10<span class=\"_ _128\"> </span></span><span class=\"ls2\">0</span> </div></td></tr><tr><td class=\"c x174 y180b w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abz\u00fcge von den Posten d<span class=\"_ _0\"></span>es harten Kernkapitals<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180b w67 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-298.660 </div></td><td class=\"c x214 y180b w68 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-258.504<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180b w1cf hf\"><div class=\"t m0 x54 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-40.156<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180b w68 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15,<span class=\"_ _128\"> </span>5 </div></td></tr><tr><td class=\"c x174 y180c w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">HARTES KERNKAPITAL<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180c w67 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.126.352<span class=\"ls0\"> </span></div></td><td class=\"c x214 y180c w68 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.971.108<span class=\"ls0\"> </span></div></td><td class=\"c x21f y180c w1cf hf\"><div class=\"t m0 x47 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">155.244<span class=\"ls0\"> </span></div></td><td class=\"c x3c9 y180c w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">5,<span class=\"_ _128\"> </span>2 </div></td></tr><tr><td class=\"c x174 y180d w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">AT1-Kapitalinstru<span class=\"_ _0\"></span>mente<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180d w67 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180d w68 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180d w1cf hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180d w68 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y180e w1cd h28\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">AT1-Kapitalinstru<span class=\"_ _0\"></span>mente gem. nationalen Umsetzungsma\u00df-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nahmen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180e w67 h28\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180e w68 h28\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180e w1cf h28\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180e w68 h28\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y180f w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abz\u00fcge von Posten des AT1<span class=\"_ _0\"></span>-Kapitals<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180f w67 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180f w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180f w1cf hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180f w68 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y1810 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zus\u00e4tzliches Kernkapital<span class=\"_ _0\"></span> </div></td><td class=\"c x2e2 y1810 w67 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">50.000<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1810 w68 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">50.000<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1810 w1cf hf\"><div class=\"t m0 xd h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1810 w68 hf\"><div class=\"t m0 xd h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y1811 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">KERNKAPITAL<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1811 w67 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.176.352<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1811 w68 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.021.108<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1811 w1cf hf\"><div class=\"t m0 x47 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">155.244<span class=\"ls0\"> </span></div></td><td class=\"c x3c9 y1811 w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">5,<span class=\"_ _128\"> </span>1 </div></td></tr><tr><td class=\"c x174 y1812 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">anrechenbare Erg\u00e4nzun<span class=\"_ _0\"></span>gskapitalinstrumente<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1812 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">340.486<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1812 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">345.098<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1812 w1cf hf\"><div class=\"t m0 x37 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-4.612<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1812 w68 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span>1,<span class=\"_ _128\"> </span>3 </div></td></tr><tr><td class=\"c x174 y1813 w1cd h45\"><div class=\"t m0 x7 h5 y95a ff4 fs2 fc2 sc0 ls0 ws0\">Erg\u00e4nzungskapitalpost<span class=\"_ _0\"></span>en gem. nationalen Umsetzungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">ma\u00dfnahmen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1813 w67 h45\"><div class=\"t m0 xf h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1813 w68 h45\"><div class=\"t m0 x36 h5 ydd ff4 fs2 fc2 sc0 ls2 ws0\">865<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1813 w1cf h45\"><div class=\"t m0 xf8 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">865</span> </div></td><td class=\"c x3c9 y1813 w68 h45\"><div class=\"t m0 x37 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span>100,<span class=\"_ _128\"> </span>0 </div></td></tr><tr><td class=\"c x174 y1814 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Allgemeine Kreditrisikoanpas<span class=\"_ _0\"></span>sungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1814 w67 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1814 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1814 w1cf hf\"><div class=\"t m0 xd h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1814 w68 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y1815 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abz\u00fcge von Posten des Erg\u00e4n<span class=\"_ _0\"></span>zungskapitals<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1815 w67 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.927<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1815 w68 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.893<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1815 w1cf hf\"><div class=\"t m0 x37 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-1.034<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1815 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,<span class=\"_ _128\"> </span>4 </div></td></tr><tr><td class=\"c x174 y1816 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erg\u00e4nzungskapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1816 w67 hf\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">325.559<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1816 w68 hf\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">332.070<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1816 w1cf hf\"><div class=\"t m0 x37 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">6.511</span> </div></td><td class=\"c x3c9 y1816 w68 hf\"><div class=\"t m0 x11 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span>2,<span class=\"_ _128\"> </span>0 </div><div class=\"t m0 x37 h6 yb6 ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x174 y1817 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">EIGENMITTEL<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1817 w67 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.501.911<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1817 w68 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.353.178<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1817 w1cf hf\"><div class=\"t m0 x47 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">148.733<span class=\"ls0\"> </span></div></td><td class=\"c x3c9 y1817 w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">4,<span class=\"_ _128\"> </span>4 </div></td></tr><tr><td class=\"c x174 y1818 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtrisikobetrag gem. Art. 92 CR<span class=\"_ _0\"></span>R </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1819 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko </div></td><td class=\"c x2e2 y1819 w67 hf\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.162.436 </div></td><td class=\"c x214 y1819 w68 hf\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.071.679 </div></td><td class=\"c x21f y1819 w1cf hf\"><div class=\"t m0 x13 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.090.757 </div><div class=\"t m0 x7 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x3c9 y1819 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,2 </div></td></tr><tr><td class=\"c x174 y181a w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Marktrisiko, Abwicklun<span class=\"_ _0\"></span>gsrisiko und CVA<span class=\"_ _0\"></span>-Risiko </div></td><td class=\"c x2e2 y181a w67 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.187 </div></td><td class=\"c x214 y181a w68 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.612 </div></td><td class=\"c x21f y181a w1cf hf\"><div class=\"t m0 x54 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-27.425 </div></td><td class=\"c x3c9 y181a w68 hf\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-60,1 </div></td></tr><tr><td class=\"c x174 y181b w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Operationelles Risiko </div></td><td class=\"c x2e2 y181b w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.160.246 </div></td><td class=\"c x214 y181b w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.070.996 </div></td><td class=\"c x21f y181b w1cf hf\"><div class=\"t m0 x60 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">89.250 </div></td><td class=\"c x3c9 y181b w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,3 </div></td></tr></table><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">134<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs38e\"><table class=\"s w48e h223\" id=\"_0fb3f701-ba9e-4e9e-9f04-780e66c1a779\"><tr><td class=\"c x1a7 y181c w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtrisikobetrag </div></td><td class=\"c x393 y181c w67 hf\"><div class=\"t m0 xa6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.340.869<span class=\"ls0\"> </span></div></td><td class=\"c x3ca y181c w68 hf\"><div class=\"t m0 xa6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">16.188.287<span class=\"ls0\"> </span></div></td><td class=\"c x3cb y181c w1cf hf\"><div class=\"t m0 x13 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">1.152.582<span class=\"ls0\"> </span></div></td><td class=\"c x357 y181c w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">7,1 </div></td></tr><tr><td class=\"c x1a7 y181d w1cd hd\"><div class=\"t m0 x7 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">Eigenmittelquoten gem. Art. 92 CRR<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y181e w1cd he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Harte Kernkapitalquote<span class=\"_ _0\"></span> </div></td><td class=\"c x393 y181e w67 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18,03% </div></td><td class=\"c x3ca y181e w68 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18,35% </div></td><td class=\"c x3cb y181e w1cf he\"><div class=\"t m0 x13 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-0,32 %-<span class=\"ls7\">P.</span> </div></td><td></td></tr><tr><td class=\"c x1a7 y181f w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kernkapitalquote </div></td><td class=\"c x393 y181f w67 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18,32% </div></td><td class=\"c x3ca y181f w68 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18,66% </div></td><td class=\"c x3cb y181f w1cf hf\"><div class=\"t m0 x13 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-0,35 %-<span class=\"ls7\">P.</span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1820 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtkapitalquot<span class=\"_ _0\"></span>e </div></td><td class=\"c x393 y1820 w67 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20,19% </div></td><td class=\"c x3ca y1820 w68 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20,71% </div></td><td class=\"c x3cb y1820 w1cf hf\"><div class=\"t m0 x13 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-0,52 %-<span class=\"ls7\">P.</span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1821 w1cd he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesetzliches Erfordernis Eigenmittelquoten gem. \u00dcRL in %<span class=\"_ _1\"></span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1822 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Harte Kernkapitalquote<span class=\"_ _0\"></span> </div></td><td class=\"c x393 y1822 w67 hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,13 % </div></td><td class=\"c x3ca y1822 w68 hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,06 % </div></td><td class=\"c x3cb y1822 w1cf hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0,07 %-<span class=\"ls7\">P.</span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1823 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kernkapitalquote </div></td><td class=\"c x393 y1823 w67 hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,63 % </div></td><td class=\"c x3ca y1823 w68 hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,56 % </div></td><td class=\"c x3cb y1823 w1cf hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0,07 %-<span class=\"ls7\">P.</span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1824 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtkapitalquot<span class=\"_ _0\"></span>e </div></td><td class=\"c x393 y1824 w67 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10,63 % </div></td><td class=\"c x3ca y1824 w68 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10,56 % </div></td><td class=\"c x3cb y1824 w1cf hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0,07 %-<span class=\"ls7\">P.</span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1825 w1cd he\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Gesetzliche Eigenmittelanforderungen gem. \u00dcR<span class=\"_ _0\"></span>L in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1826 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Hartes Kernkapital </div></td><td class=\"c x393 y1826 w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.236.404 </div></td><td class=\"c x3ca y1826 w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.142.893 </div></td><td class=\"c x3cb y1826 w1cf hf\"><div class=\"t m0 x60 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">93.511 </div></td><td class=\"c x357 y1826 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,2 </div></td></tr><tr><td class=\"c x1a7 y1827 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kernkapital </div></td><td class=\"c x393 y1827 w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.496.517 </div></td><td class=\"c x3ca y1827 w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.385.717 </div></td><td class=\"c x3cb y1827 w1cf hf\"><div class=\"t m0 x47 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">110.800 </div></td><td class=\"c x357 y1827 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,0 </div></td></tr><tr><td class=\"c x1a7 y1828 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtkapital </div></td><td class=\"c x393 y1828 w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.843.334 </div></td><td class=\"c x3ca y1828 w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.709.483 </div></td><td class=\"c x3cb y1828 w1cf hf\"><div class=\"t m0 x47 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">133.851 </div></td><td class=\"c x357 y1828 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,8 </div></td></tr><tr><td class=\"c x1a7 y1829 w1cd he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Freie Kapitalbestandteile </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y182a w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Hartes Kernkapital </div></td><td class=\"c x393 y182a w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.889.948 </div></td><td class=\"c x3ca y182a w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.828.215 </div></td><td class=\"c x3cb y182a w1cf hf\"><div class=\"t m0 x60 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">61.733 </div></td><td class=\"c x357 y182a w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3,4 </div></td></tr><tr><td class=\"c x1a7 y182b w1cd hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kernkapital </div></td><td class=\"c x393 y182b w67 hd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.679.835 </div></td><td class=\"c x3ca y182b w68 hd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.635.391 </div></td><td class=\"c x3cb y182b w1cf hd\"><div class=\"t m0 x60 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">44.444 </div></td><td class=\"c x357 y182b w68 hd\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2,7 </div></td></tr><tr><td class=\"c x1a7 y182c w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gesamtkapital </div></td><td class=\"c x393 y182c w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.658.577 </div></td><td class=\"c x3ca y182c w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.643.695 </div></td><td class=\"c x3cb y182c w1cf hf\"><div class=\"t m0 x60 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.882 </div></td><td class=\"c x357 y182c w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0,9 </div></td></tr><tr><td class=\"c x199 y182d w3 h3\"><div class=\"t m0 x3 h17 yb60 ff4 fs4 fc2 sc0 ls0 ws0\">1) Inkl. Gewi<span class=\"_ _5\"></span>nnr\u00fccklagendo<span class=\"_ _5\"></span>tierung 2022, vorbehal<span class=\"_ _5\"></span>tlich der<span class=\"_ _5\"></span> Feststellun<span class=\"_ _5\"></span>g des Jahresabsc<span class=\"_ _5\"></span>hlusses durc<span class=\"_ _5\"></span>h den Aufsichtsrat<span class=\"_ _5\"></span> am 23. M\u00e4rz 2023. </div><div class=\"t m0 x3 h17 yb61 ff4 fs4 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 yb62 ff5 fs2 fc2 sc0 ls0 ws0\">60) Sonstige erforderliche Angaben nach BWG und UGB<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 yb63 ff4 fs2 fc2 sc0 ls0 ws0\">Im Gesch\u00e4ftsjahr 2023 w<span class=\"_ _0\"></span>erden begebene Schuldverschreibungen mit einem Gesamtwert vo<span class=\"_ _0\"></span>n Nominale 111,8 Mio. Euro<span class=\"_ _0\"></span> f\u00e4l-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yb64 ff4 fs2 fc2 sc0 ls0 ws0\">lig. Zum 31.12.2022 bestehen k<span class=\"_ _0\"></span>eine je 10 % des Gesamtbetrags der n<span class=\"_ _0\"></span>achrangigen Verbindlichkeiten \u00fcbersteigende nach<span class=\"_ _0\"></span>ran-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yb65 ff4 fs2 fc2 sc0 ls0 ws0\">gige Kreditaufnahmen. Son<span class=\"_ _0\"></span>stige nachrangige Kreditaufnahmen unter je 10 % des Gesamt<span class=\"_ _0\"></span>betrags der nachrangigen Verbind-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y567 ff4 fs2 fc2 sc0 ls0 ws0\">lichkeiten in H\u00f6he von<span class=\"_ _0\"></span> Nominale 504.112,0 Tsd. Euro betreffen Erg\u00e4n<span class=\"_ _0\"></span>zungskapital mit einer Verzinsung von 1,25 %<span class=\"_ _0\"></span> bis 4,5 % </div><div class=\"t m0 x3 h5 yb66 ff4 fs2 fc2 sc0 ls0 ws0\">und einer F\u00e4lligkeit in den G<span class=\"_ _0\"></span>esch\u00e4ftsjahren 2023 bis 2031. <span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 yb67 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yb68 ff4 fs2 fc2 sc0 ls0 ws0\">Im Berichtsjahr wurden A<span class=\"_ _0\"></span>ufwendungen f\u00fcr nachrangige Verbindlichkeiten in H\u00f6he vo<span class=\"_ _0\"></span>n 12.866,3 Ts<span class=\"_ _0\"></span>d. Euro<span class=\"_ _0\"></span> geleistet. Das zu </div><div class=\"t m0 x3 h5 yb69 ff4 fs2 fc2 sc0 ls0 ws0\">Marktpreisen berechnete Vo<span class=\"_ _0\"></span>lumen des Handelsbuchs betr\u00e4gt zum 31.12.2022 insgesamt 73,3<span class=\"_ _0\"></span> Mio. Euro. <span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y56a ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y9a3 ff4 fs2 fc2 sc0 ls0 ws0\">Davon entfallen auf Wert<span class=\"_ _0\"></span>papiere (Marktwerte) 10,0 Mio. Euro und auf son<span class=\"_ _0\"></span>stige Finanzinstrumente (Marktwerte) 63,3 Mio. </div><div class=\"t m0 x3 h5 yb6a ff4 fs2 fc2 sc0 ls0 ws0\">Euro. Das Leasingvo<span class=\"_ _0\"></span>lumen betr\u00e4gt per 31.12.2022 1.426,3 Mio. <span class=\"_ _0\"></span>Euro. Die Au<span class=\"_ _0\"></span>fwendungen f\u00fcr den Abschlusspr\u00fc<span class=\"_ _0\"></span>fer betrugen </div><div class=\"t m0 x3 h5 yb6b ff4 fs2 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 1.261,1 T<span class=\"_ _0\"></span>sd. Euro (inkl. USt, inkl. Leasinggesellschaften u<span class=\"_ _0\"></span>nd inkl. Tochterunternehmen). Davon entfielen </div><div class=\"t m0 x3 h5 yb6c ff4 fs2 fc2 sc0 ls0 ws0\">1.037,6 Tsd. Euro auf d<span class=\"_ _0\"></span>ie Pr\u00fcfung der Jahresabschl\u00fcsse und d<span class=\"_ _0\"></span>es Konzernabschlusses, 0,0 Tsd. Euro auf andere Best\u00e4t<span class=\"_ _0\"></span>igungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y56c ff4 fs2 fc2 sc0 ls0 ws0\">leistungen, 0,0 Tsd. Euro auf Steuerberat<span class=\"_ _0\"></span>ungsleistungen sowie 223,5 Tsd. Eur<span class=\"_ _0\"></span>o auf sonstige Leistungen. Die Aufwendungen </div><div class=\"t m0 x3 h5 yb6d ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr den Abschlusspr\u00fcfer der gem\u00e4\u00df IFRS 11 Gem<span class=\"_ _0\"></span>einschaft<span class=\"_ _0\"></span>liche T\u00e4tigkeit im Kon<span class=\"_ _0\"></span>zernabschluss ber\u00fccksichtigten ALPENL\u00c4NDI-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 yb6e ff4 fs2 fc2 sc0 ls0 ws0\">SCHEN GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H betr<span class=\"_ _0\"></span>ugen 12,7 Tsd. Euro. </div><div class=\"t m0 x3 h5 yb6f ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"_ _7\"> </span> </div></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h4 y5 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span> </div><div class=\"t m0 x92 h32 y2d ff3 fs4 fc1 sc0 lsa ws0\">135<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 y2e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y5f ffb fs2 fc2 sc0 ls0 ws0\">Daten \u00fcber Niederlassungen gem. \u00a7 64 (1) Z18 BWG in Tsd. \u20ac<span class=\"_ _1\"></span><span class=\"ff5\"> </span></div><div class=\"t m0 x3 h5 y60 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w1d0 h43 gs390\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Name der Niederlassung </div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">(inkl. Leasinggesellschaften) </div></div><div class=\"c w150 h43 gs391\"><div class=\"t m0 x13 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Niederlassung </div><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></div><div class=\"c w6d h43 gs392\"><div class=\"t m0 x5c h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Zweigniederlassung </div><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Tschechien </div></div><div class=\"c w1d1 h43 gs393\"><div class=\"t m0 x5c h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Zweigniederlassung </div><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ungarn </div></div><div class=\"c w1d2 h43 gs394\"><div class=\"t m0 x5c h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Zweigniederlassung </div><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Slowakei </div></div><div class=\"c w1d0 he5 gs395\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gesch\u00e4ftsbereiche </div></div><div class=\"c w150 he5 gs396\"><div class=\"t m0 x29 h5 y5f5 ff4 fs2 fc2 sc0 ls0 ws0\">S\u00fcddeutschland </div><div class=\"t m0 x88 h5 y960 ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland Mitte </div><div class=\"t m0 xc8 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland S\u00fcd<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">West </div></div><div class=\"c w1d0 h34 gs397\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sitzstaat </div></div><div class=\"c w150 h34 gs398\"><div class=\"t m0 x59 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Bundesrepublik </div><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></div><div class=\"c w6d h34 gs399\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Tschechische Repub-<span class=\"_ _128\"> </span></div><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls1d ws0\">lik<span class=\"ls0\"> </span></div></div><div class=\"c w1d1 h34 gs39a\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ungarn </div></div><div class=\"c w1d2 h34 gs39b\"><div class=\"t m0 x88 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Slowakische Repub-<span class=\"_ _128\"> </span></div><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls1d ws0\">lik<span class=\"ls0\"> </span></div></div><div class=\"c w1d0 h43 gs39c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nettozinsertrag </div></div><div class=\"c w150 h43 gs39d\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">60.048 </div></div><div class=\"c w6d h43 gs39e\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32.060 </div></div><div class=\"c w1d1 h43 gs39f\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.493 </div></div><div class=\"c w1d2 h43 gs3a0\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.440 </div></div><div class=\"c w1d0 h43 gs3a1\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Betriebsertr\u00e4ge </div></div><div class=\"c w150 h43 gs3a2\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">76.875 </div></div><div class=\"c w6d h43 gs3a3\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.150 </div></div><div class=\"c w1d1 h43 gs3a4\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.268 </div></div><div class=\"c w1d2 h43 gs3a5\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.083 </div></div><div class=\"c w1d0 h34 gs3a6\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Mitarbeiteranzahl (Vo<span class=\"_ _0\"></span>llzeit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">basis) </div></div><div class=\"c w150 h34 gs3a7\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">279,7 </div></div><div class=\"c w6d h34 gs3a8\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">194,3 </div></div><div class=\"c w1d1 h34 gs3a9\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134,0 </div></div><div class=\"c w1d2 h34 gs3aa\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51,3 </div></div><div class=\"c w1d0 h7f gs3ab\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahresergebnis vor St<span class=\"_ _0\"></span>euern </div></div><div class=\"c w150 h7f gs3ac\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.636 </div></div><div class=\"c w6d h7f gs3ad\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.690 </div></div><div class=\"c w1d1 h7f gs3ae\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.575 </div></div><div class=\"c w1d2 h7f gs3af\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.761 </div></div><div class=\"c w1d0 h43 gs3b0\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuern vom Einkommen<span class=\"_ _0\"></span> </div></div><div class=\"c w150 h43 gs3b1\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-10.223 </div></div><div class=\"c w6d h43 gs3b2\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.991 </div></div><div class=\"c w1d1 h43 gs3b3\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.833 </div></div><div class=\"c w1d2 h43 gs3b4\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.987 </div></div><div class=\"c w1d0 h34 gs3b5\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Erhaltene \u00f6ffentliche Beihil-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">fen </div></div><div class=\"c w150 h34 gs3b6\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w6d h34 gs3b7\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w1d1 h34 gs3b8\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w1d2 h34 gs3b9\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w3 h3 gs4\"><div class=\"t m0 x3 h5 y580 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 yb75 ff4 fs2 fc2 sc0 ls0 ws0\">Die Gesamtkapitalrentabilit\u00e4t gem. \u00a7 64 (1) Z19 B<span class=\"_ _0\"></span>WG betr\u00e4gt 0,90 %. </div></div><div class=\"gs3bb\"><table class=\"s w4a1 h226\" id=\"_df5ff765-9bfb-4aff-b848-2ec0ac494db7\"><tr><td class=\"c x199 y183f w45 h47\"><div class=\"t m0 x3 h4 yb76 ff3 fs1 fc1 sc0 ls0 ws0\">Konzernabschluss<span class=\"_ _0\"></span><span class=\"ff7 fc2\"> </span></div><div class=\"t m0 x84 h32 yb77 ff3 fs4 fc1 sc0 lsa ws0\">136<span class=\"ls0\"> </span></div><div class=\"t m0 x3 h5 yb78 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 yb79 ff5 fs2 fc2 sc0 ls0 ws0\">61) Beteiligungsliste gem\u00e4\u00df UGB<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x31c y1840 w56 he6\"><div class=\"t m0 x70 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Konsoli-<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3de y1840 w16d he6\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Ergebnis des<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1841 w1d4 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Die Gesellschaft hielt per 31. De<span class=\"_ _0\"></span>zember 2022 bei folgenden <span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1841 w56 hc\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">dierungs-<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x3df y1841 w19 hc\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kapitalanteil in %<span class=\"_ _128\"> </span></div><div class=\"t m0 x149 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">5)<span class=\"_ _128\"> </span></div><div class=\"t m0 x145 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x3e0 y1841 w56 hc\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eigen- </div></td><td class=\"c x3e1 y1841 w56 hc\"><div class=\"t m0 x5c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">letzten Ge-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y1841 w11d hc\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jahres-<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x3e3 y1841 wca hc\"><div class=\"t m0 x13 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Anmer-<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1842 w1d4 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Unternehmen mindestens 20 % Anteilsbesitz:<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1842 w56 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">methode *)<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1842 w1d7 hc\"><div class=\"t m0 x87 h6 y7f ff5 fs2 fc2 sc0 ls5 ws0\">un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x6c h6 yb7e ff5 fs2 fc2 sc0 ls0 ws0\">mit-<span class=\"_ _128\"> </span></div><div class=\"t m0 x88 h6 yb7f ff5 fs2 fc2 sc0 ls0 ws0\">telbar </div></td><td class=\"c x186 y1842 w173 hc\"><div class=\"t m0 x14 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">gesamt<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y1842 w56 hc\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">kapital<span class=\"_ _128\"> </span></div><div class=\"t m0 xe hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">3)<span class=\"_ _128\"> </span></div><div class=\"t m0 xd h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x3e1 y1842 w56 hc\"><div class=\"t m0 x5c h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ftsjah-<span class=\"_ _128\"> </span></div><div class=\"t m0 x15 h6 yb7e ff5 fs2 fc2 sc0 ls0 ws0\">res<span class=\"_ _128\"> </span></div><div class=\"t m0 xe hc2 yb80 ff5 fs5 fc2 sc0 ls16 ws0\">4)<span class=\"_ _128\"> </span></div><div class=\"t m0 xd h6 yb7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x3e2 y1842 w11d hc\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">abschluss<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x3e3 y1842 wca hc\"><div class=\"t m0 x54 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">kung<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x1a7 y1843 w1d4 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">a) Direkte Beteiligungen<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1844 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"AM\" Bau- und Geb<span class=\"_ _0\"></span>\u00e4udevermietung Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1844 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1844 w1d7 he\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1844 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y1845 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1845 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1846 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"LA\" Geb\u00e4udevermietung u<span class=\"_ _0\"></span>nd Bau - Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1846 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1846 w1d7 hf\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1846 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y1847 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1847 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1848 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"SG\" Geb\u00e4udevermietungsgesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1848 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1848 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1848 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y1849 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1849 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y184a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"SP\" Bau- und G<span class=\"_ _0\"></span>eb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y184a w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y184a w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb5 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y184a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y184b w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y184b w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y184c w1d4 h13\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken-Generali Invest<span class=\"_ _0\"></span>ment-Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y184c w56 h13\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y184c w1d7 h13\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20,57<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y184c w173 h13\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20,57<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y184c wca h13\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y184d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y184d w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y184d w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y184d w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y184d w56 hf\"><div class=\"t m0 x37 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">8.293<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y184d w56 hf\"><div class=\"t m0 xe h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">8<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y184d w11d hf\"><div class=\"t m0 x11 h5 y84 ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x3e3 y184d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span>  </div></td></tr><tr><td class=\"c x1a7 y184e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y184e w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q </div></td><td class=\"c x3df y184e w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y184e w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y184e w56 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.946<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y184e w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y184e w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y184f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y184f w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y184f w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y184f w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y184f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1850 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1850 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1850 w1d7 he\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1850 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td class=\"c x3e6 y1851 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e7 y1851 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">2)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e8 y1851 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1852 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnang<span class=\"_ _0\"></span>-Puchheim<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1852 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y1852 w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1852 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y1852 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1853 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-ED<span class=\"_ _0\"></span>V Gesellschaft mbH.)<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1853 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y1853 w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1853 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y1853 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1854 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1854 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1854 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb5 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1854 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y1854 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">339<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1854 w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y1854 w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x3e3 y1854 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1855 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">GAIN CAPITAL PRIVATE E<span class=\"_ _0\"></span>QUITY III SCSp<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1855 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y1855 w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36,97<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1855 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36,97<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y1855 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1856 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1856 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y1856 w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33,11<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1856 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33,11<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y1856 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1857 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembur<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1857 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y1857 w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">58,69<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1857 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">58,69<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y1858 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1858 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1859 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad Hofgast<span class=\"_ _0\"></span>ein<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1859 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y1859 w1d7 hd\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32,62<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1859 w173 hd\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32,62<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y1859 wca hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y185a w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y185a w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y185a w1d7 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y185a w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y185a w56 he\"><div class=\"t m0 x54 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">17.400<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y185a w56 he\"><div class=\"t m0 x37 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.123<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y185a w11d he\"><div class=\"t m0 x2b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">09/2022<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td class=\"c x3e3 y185a wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y185b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y185b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y185b w1d7 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y185b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y185b w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.245<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y185b w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">337</span> </div></td><td class=\"c x3e2 y185b w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td class=\"c x3e3 y185b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y185c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y185c w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y185c w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y185c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y185d w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y185d w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y185e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y185e w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y185e w1d7 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y185e w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y185e w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.081<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y185e w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y185e w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td class=\"c x3e3 y185e wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y185f w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y185f w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y185f w1d7 he\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y185f w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y1860 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1860 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1861 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1861 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1861 w1d7 hf\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1861 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y1861 w56 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">52.978<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y1861 w56 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.485<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y1861 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x3e4 y1862 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1862 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">2)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1863 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1863 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y1863 w1d7 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0,10<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1863 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y1863 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.505<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y1863 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">899<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1863 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td class=\"c x3e3 y1863 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1864 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1864 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y1864 w1d7 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1864 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y1864 w56 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.080<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y1864 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.605<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y1864 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td class=\"c x3e3 y1864 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1865 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1865 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1865 w1d7 he\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb99 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1865 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td class=\"c x3e6 y1866 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e7 y1866 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">2)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e8 y1866 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1867 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1867 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1867 w1d7 hd\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1867 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y1868 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1868 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1869 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y1869 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y1869 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1869 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e4 y186a w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y186a w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y186b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y186b w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N<span class=\"_ _128\"> </span> </div></td><td class=\"c x3df y186b w1d7 hf\"><div class=\"t m0 x5c h5 yaa6 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb5 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y186b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td class=\"c x3e6 y13ec w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e7 y13ec w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">2)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e8 y13ec w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y186c w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava  </div></td><td class=\"c x31c y186c w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x3df y186c w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y186c w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e0 y186c w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e1 y186c w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3e2 y186c w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2021<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td class=\"c x3e3 y186c wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y186d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x31c y186d w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x3df y186d w1d7 hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,70<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y186d w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,70<span class=\"_ _128\"> </span> </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y186d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr></table></div>Konzernabschluss<span class=\"_ _0\"></span><span class=\"ff7 fc2\"> </span>137<span class=\"ls0\"> </span><table class=\"s w4a4 h227\" id=\"_05365c28-dd36-456c-baa7-e88d3ce62a4e\"><tr><td class=\"c x174 y186e w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Samson \u010cesk\u00e9 Bud\u011bjovice spol. s.r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span></div></td><td class=\"c x1f4 y186e w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y186e w1d7 hd\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y186e w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y186f w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y186f w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1870 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2d ws0\">TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span></div></td><td class=\"c x1f4 y1870 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1870 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1870 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1871 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1871 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1872 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz </div></td><td class=\"c x1f4 y1872 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1872 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1872 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1873 w4a2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1873 w4a3 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1874 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1874 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1874 w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td class=\"c x1a0 y1874 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1874 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1875 w1d4 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">b) Indirekte Beteiligungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1876 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"ST\" BAU Errichtungs<span class=\"_ _0\"></span>- und Vermietungsgesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1876 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1876 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,90 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1877 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1877 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1878 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1878 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1878 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1878 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1879 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1879 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1879 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00 </div></td><td class=\"c x3ec y1879 w56 he\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.541 </div></td><td class=\"c x3ed y1879 w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.002 </div></td><td class=\"c x3ee y1879 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1879 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Garagen<span class=\"_ _0\"></span> GmbH, Linz </div></td><td class=\"c x1f4 y187a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y187a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">36<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187a w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x3ee y187a w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z </div></td><td class=\"c x1f4 y187b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187b w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">97,50 </div></td><td class=\"c x3ec y187b w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">548<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">82<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y187b w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y187c w4a5 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y187d w4a6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">registrierte Genossenschaft<span class=\"_ _0\"></span> mit beschr\u00e4nkter Haftung, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span></div></td><td class=\"c x1f4 y187e w56 he8\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187e w173 he8\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25,85 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187e wca he8\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling </div></td><td class=\"c x1f4 y187f w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187f w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,90 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1880 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1880 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1880 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1880 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1880 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">942<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1880 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1880 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1881 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z  </div></td><td class=\"c x1f4 y1881 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1881 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1881 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1881 w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3 </div></td><td class=\"c x3ee y1881 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1881 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1882 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1882 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1882 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">66<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1882 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1882 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1883 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Eugendorf <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1883 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1883 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1883 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1883 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">205<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1883 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1883 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1884 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH </div></td><td class=\"c x1f4 y1884 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1884 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90,00 </div></td><td class=\"c x3ec y1884 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1884 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td><td class=\"c x3ee y1884 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1884 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1885 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1885 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1885 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1885 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1885 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1885 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1885 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1886 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Goldkronach Beteiligungs<span class=\"_ _0\"></span> GmbH, Neu\u00f6tting </div></td><td class=\"c x1f4 y1886 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1886 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1886 w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y1886 w56 he\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2 </div></td><td class=\"c x3ee y1886 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1886 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1887 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  </div></td><td class=\"c x1f4 y1887 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1887 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1887 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1887 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">466<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1887 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1887 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1888 w1d4 he9\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals Oberbank Id<span class=\"_ _0\"></span>stein Immobilien-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasing GmbH), Neu\u00f6tting </div></td><td class=\"c x1f4 y1888 w56 he9\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1888 w173 he9\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1888 w56 he9\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1888 w56 he9\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3ee y1888 w11d he9\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1888 wca he9\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1889 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1889 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1889 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1889 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.275 </div></td><td class=\"c x3ed y1889 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">47<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1889 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1889 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">741<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188b w1d4 hea\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6t-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ting  </div></td><td class=\"c x1f4 y188b w56 hea\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188b w173 hea\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,00 </div></td><td class=\"c x3ec y188b w56 hea\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y188b w56 hea\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188b w11d hea\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188b wca hea\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Industrie und Handelsb<span class=\"_ _0\"></span>eteiligungsholding GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188c w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y188c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y17f8 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y17f8 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y188d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz </div></td><td class=\"c x1f4 y188d w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188d w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188d w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">69<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188d w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">459</span> </div></td><td class=\"c x3ee y188d w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188e w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz </div></td><td class=\"c x1f4 y188e w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188e w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188e w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188e w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.428 </div></td><td class=\"c x3ee y188e w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188e wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH Bayern, Neu\u00f6<span class=\"_ _0\"></span>tting </div></td><td class=\"c x1f4 y188f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.746 </div></td><td class=\"c x3ed y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.646 </div></td><td class=\"c x3ee y188f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1890 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF HOLZ, s.r.o., P<span class=\"_ _0\"></span>rag </div></td><td class=\"c x1f4 y1890 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1890 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1890 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.884 </div></td><td class=\"c x3ed y1890 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1890 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1890 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1891 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag </div></td><td class=\"c x1f4 y1891 w56 hd\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1891 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1891 w56 hd\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.581 </div></td><td class=\"c x3ed y1891 w56 hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">256<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1891 w11d hd\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1891 wca hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1892 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1892 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1892 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,80 </div></td><td class=\"c x3ec y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">45<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1892 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1892 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1893 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1893 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1893 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1893 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1893 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">235<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1893 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1893 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1894 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1894 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1894 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1894 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1894 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">557<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1894 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1894 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w4a7 h228\" id=\"_ffd7bab4-9187-4dad-ba6f-77f6f4e22ff1\"><tr><td class=\"c x1a7 y1895 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1895 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y1895 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e4 y1896 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1896 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1897 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x31c y1897 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1897 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1897 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1897 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">182<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1897 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1897 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1898 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenhof Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz </div></td><td class=\"c x31c y1898 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1898 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">87<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1898 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1898 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1899 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1899 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1899 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">75<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1899 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1899 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x31c y189a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189a w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x3e2 y189a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189b w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neustadt I<span class=\"_ _0\"></span>mmobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189c w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">53<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189c w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189c wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189d w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189d w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189d w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">372<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189d w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189d wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting </div></td><td class=\"c x31c y189e w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189e w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94,00 </div></td><td class=\"c x3e0 y189e w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3e1 y189e w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">22<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189e w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189e wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y189f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">27<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a0 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a0 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a0 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a0 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a0 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">26</span> </div></td><td class=\"c x3e2 y18a0 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a0 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a1 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a1 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a1 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a1 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a1 w56 he\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">10</span> </div></td><td class=\"c x3e2 y18a1 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a1 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a2 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz </div></td><td class=\"c x31c y18a2 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a2 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,00 </div></td><td class=\"c x3e0 y18a2 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">70<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a2 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">79</span> </div></td><td class=\"c x3e2 y18a2 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a2 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a3 w1d4 hec\"><div class=\"t m0 x7 h5 ybbf ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Im-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ybc0 ff4 fs2 fc2 sc0 ls0 ws0\">mobilienleasing GmbH), Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y18a3 w56 hec\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a3 w173 hec\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a3 w56 hec\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a3 w56 hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">118<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y18a3 w11d hec\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a3 wca hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a4 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Techno-<span class=\"ls43\">Z </span>Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Braun<span class=\"_ _0\"></span>au </div></td><td class=\"c x31c y18a4 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y18a4 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21,50 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y18a4 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y18a6 w4a8 h171\"><div class=\"t m0 x177 h16 y18a5 ff4 fs6 fc2 sc0 ls44 ws0\">*)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Konsolidi<span class=\"_ _5\"></span>erung im Konzerna<span class=\"_ _5\"></span>bschluss: V =<span class=\"_ _5\"></span> Vollk<span class=\"_ _5\"></span>onsolidierung, E = Be<span class=\"_ _5\"></span>wertung \"at equi<span class=\"_ _5\"></span>ty\", Q = ant<span class=\"_ _5\"></span>eilsm\u00e4\u00dfige Kons<span class=\"_ _5\"></span>olidierun<span class=\"_ _5\"></span>g, N = gem\u00e4\u00df IAS 27 in Verbind<span class=\"_ _5\"></span>ung mit Framework 29 <span class=\"_ _5\"></span>nicht i<span class=\"_ _5\"></span>n den Konzernabschlus<span class=\"_ _5\"></span>s einbezogen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a7 w4a9 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) <span class=\"_ _3d\"></span>verbundenes <span class=\"_ _3d\"></span>Unternehmen; <span class=\"_ _3d\"></span>2) <span class=\"_ _5\"></span>Ergebnisabf\u00fchr<span class=\"_ _5\"></span>ungsvertrag; <span class=\"_ _3d\"></span>3) <span class=\"_ _5\"></span>einschlie<span class=\"_ _5\"></span>\u00dflich <span class=\"_ _3d\"></span>unversteuerter <span class=\"_ _3d\"></span>R\u00fccklagen; <span class=\"_ _3d\"></span>4) Jah<span class=\"_ _5\"></span>res\u00fcberschu<span class=\"_ _5\"></span>ss <span class=\"_ _3d\"></span>gem<span class=\"_ _0\"></span>. \u00a7<span class=\"_ _5\"></span> <span class=\"_ _3d\"></span>231 Abs. <span class=\"_ _3d\"></span>2 <span class=\"_ _5\"></span>Z <span class=\"_ _3d\"></span>21 <span class=\"_ _5\"></span>UGB; <span class=\"_ _3d\"></span>5) <span class=\"_ _5\"></span>mittelbare <span class=\"_ _3d\"></span>Beteiligungen <span class=\"_ _3d\"></span>an <span class=\"_ _5\"></span>Kredit- <span class=\"_ _3d\"></span>und <span class=\"_ _5\"></span>Finanzinst<span class=\"_ _5\"></span>ituten <span class=\"_ _3d\"></span>wurden<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a9 w4aa h17a\"><div class=\"t m0 x177 h6 y18a8 ff4 fs4 fc2 sc0 ls0 ws0\">gem\u00e4\u00df \u00a7 <span class=\"ls1b\">30 </span>BWG b<span class=\"_ _5\"></span>erechne<span class=\"_ _5\"></span>t, mittel<span class=\"_ _5\"></span>bare Beteili<span class=\"_ _5\"></span>gungen an andere<span class=\"_ _5\"></span>n Unternehmen wurden <span class=\"_ _5\"></span>gem\u00e4\u00df UGB bere<span class=\"_ _5\"></span>chnet; 6)<span class=\"_ _5\"></span> von \u00a7 242 Abs. 2 UG<span class=\"_ _5\"></span>B wird Ge<span class=\"_ _5\"></span>brauch gemacht</div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNotesAndOtherExplanatoryInformationExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-1": {
   "value": "Oberbank AG",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-4": {
   "value": "4020 Linz, Unt<span class=\"_ _0\"></span>ere Donaul\u00e4nde 28",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-2": {
   "value": "Die Oberbank bietet<span class=\"_ _0\"></span> alle wichtigen klassischen Bank-<span class=\"_ _128\"> </span>dienstleistungen einer Univers<span class=\"_ _0\"></span>albank an.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "Der Vorstand der Oberbank A<span class=\"_ _0\"></span>G hat den Konzernabschluss am 7. M\u00e4rz 2023 u<span class=\"_ _0\"></span>nterzeichnet und zur Weitergabe an den <span class=\"_ _1\"></span> Aufsichtsrat freigegeben.<span class=\"_ _128\"> </span> Die Genehmigung des Abschlusses 2022<span class=\"_ _0\"></span> und d<span class=\"_ _0\"></span>ie Freigabe zur Ver\u00f6ffentlichung sind f\u00fcr den 23. M\u00e4r<span class=\"_ _0\"></span>z 2023 vorge<span class=\"_ _0\"></span>sehen.<span class=\"_ _128\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-384": {
   "value": "1) Konsolidierungskreis der Oberban<span class=\"_ _0\"></span>k<span class=\"_ _128\"> </span>Der Konsolidierungskreis u<span class=\"_ _0\"></span>mfasst im Jahr 2022 neben der Oberbank AG 29 in<span class=\"_ _0\"></span>l\u00e4ndische und 16 ausl\u00e4ndische Tochterunter<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>nehmen. Der Kreis der einb<span class=\"_ _0\"></span>ezogenen verbundenen Unternehmen hat s<span class=\"_ _0\"></span>ich im Vergleich zum 31. <span class=\"_ _0\"></span>Dezember 2021 wie folgt<span class=\"_ _128\"> </span>ver\u00e4ndert:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Der Erwerb der Oberban<span class=\"_ _0\"></span>k Frank Immobilienleasing GmbH, Linz, f\u00fchrte zu einer Erh\u00f6<span class=\"_ _0\"></span>hung der Forderungen an Kund<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></span></span>um 18 Tsd. Euro und d<span class=\"_ _0\"></span>er Sonstigen Aktiva um 5.316 Tsd. Euro sowie zu einer E<span class=\"_ _0\"></span>rh\u00f6hung der <span class=\"_ _0\"></span> Sonstigen Passiva <span class=\"_ _0\"></span>um 1.195 Tsd. Euro.<span class=\"_ _128\"> </span>Die ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H. wurd<span class=\"_ _0\"></span>e als Gemeinschaftliche T\u00e4tigkeit gem\u00e4\u00df IFRS 11 im Konzernab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>schluss ber\u00fccksichtigt. Neb<span class=\"_ _0\"></span>en der BKS Bank AG und der Bank f\u00fcr Tirol und Vorarlb<span class=\"_ _0\"></span>erg Aktiengesel<span class=\"_ _5\"></span>lschaft wurd<span class=\"_ _0\"></span>e die voestal-<span class=\"_ _128\"> </span>pine AG nach<span class=\"_ _0\"></span> der Equity-Methode in den Kon<span class=\"_ _0\"></span>zernabschluss einbezogen. Nicht konsolidiert wurd<span class=\"_ _0\"></span>en 18 Tochterunternehmen und 13 assoziierte Unternehmen, deren E<span class=\"_ _0\"></span>influss auf die Verm\u00f6gens<span class=\"_ _1\"></span>-<span class=\"ls4\">, </span> Finanz- und<span class=\"_ _0\"></span> Ertragslage des Konzerns in Summe von untergeordneter Bed<span class=\"_ _0\"></span>eutung i<span class=\"_ _0\"></span>st.<span class=\"_ _128\"> </span>Der Konzernabschlussstichtag ist d<span class=\"_ _0\"></span>er 31. Dezember. \u00dcber die in den Konzernab<span class=\"_ _0\"></span>schluss einbezogenen Leasingunterneh<span class=\"_ _0\"></span>men<span class=\"_ _128\"> </span>wurde ein Teilkonzernab<span class=\"_ _0\"></span>schluss mit Stichtag 30. September au<span class=\"_ _0\"></span>fgestellt, um eine zeitnahe Konzern<span class=\"_ _0\"></span>-Jahr<span class=\"_ _0\"></span>esabschlusserstellung<span class=\"_ _128\"> </span>zu erm\u00f6glichen. Wesentliche Gesch\u00e4ftsv<span class=\"_ _0\"></span>orf\u00e4lle bzw. \u00c4nderungen in d<span class=\"_ _0\"></span>er Zusammensetzung des Leasing<span class=\"_ _0\"></span>-Teilkonzerns <span class=\"_ _0\"></span>im 4. Quartal werden b<span class=\"_ _0\"></span>er\u00fccksichtigt.<span class=\"_ _128\"> </span>41) Unternehmen des Konsolid<span class=\"_ _0\"></span>ierungskreises<span class=\"_ _128\"> </span>Die nachfolgende Auflistu<span class=\"_ _0\"></span>ng stellt den Konsolidierungskr<span class=\"_ _0\"></span>eis des Oberbank Konzerns zum 31.12.2022 dar.<span class=\"_ _1\"></span> KONZERNMUTTERGESELLSCHA<span class=\"_ _0\"></span>FT OBERBANK AG, Linz<span class=\"_ _0\"></span> VOLLKONSOLIDIERTE UNTER<span class=\"_ _0\"></span>NEHMEN <span class=\"_ _4c\"> </span>Anteil in %<span class=\"_ _128\"> </span>3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span>80,00<span class=\"_ _128\"> </span>3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> 80,00<span class=\"_ _128\"> </span>Donaul\u00e4nde Garage Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Eugendorf Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH, Linz<span class=\"_ _128\"> </span>90,00<span class=\"_ _128\"> </span>Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Goldkronach Beteiligungs Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting 100,00<span class=\"_ _128\"> </span>Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz 100,00<span class=\"_ _128\"> </span>Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals <span class=\"_ _0\"></span>Oberbank Idstein Immobilien-Leasing GmbH), Neu<span class=\"_ _0\"></span>\u00f6t-<span class=\"_ _128\"> </span>ting<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> 95,00<span class=\"_ _128\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6tting<span class=\"_ _128\"> </span>Komplement\u00e4r<span class=\"_ _128\"> </span>Oberbank Leasing GmbH <span class=\"_ _0\"></span>Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing JAF Holz, s.r.o.,<span class=\"_ _0\"></span> Prag<span class=\"_ _128\"> </span>95,00<span class=\"_ _128\"> </span>Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag 100,00<span class=\"_ _128\"> </span>Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> 99,80<span class=\"_ _128\"> </span>Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Operating OPR Immobilienleasing GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Riesenh<span class=\"_ _0\"></span>of Immobilienleasing GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Wiener Neust<span class=\"_ _0\"></span>adt Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Immo<span class=\"_ _0\"></span>bilienleasing GmbH),<span class=\"_ _128\"> </span>Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting<span class=\"_ _128\"> </span>94,00<span class=\"_ _128\"> </span>OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>POWER TOWER GmbH, Linz<span class=\"_ _128\"> </span>99,00<span class=\"_ _128\"> </span>A. VERBUNDENE UNTER<span class=\"_ _0\"></span>NEHMEN<span class=\"_ _128\"> </span>\u201eAM\u201c Bau<span class=\"ff4\">- u<span class=\"_ _0\"></span>nd Geb\u00e4udevermietung Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _128\"> </span></span>100,00<span class=\"_ _128\"> </span>Oberbank Service GmbH, Linz (vor<span class=\"_ _0\"></span>m. Banken DL Servicegesellschaft m.b.H.)<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembu<span class=\"_ _0\"></span>rg<span class=\"_ _128\"> </span>58,69<span class=\"_ _128\"> </span>\u201eLA\u201c Geb\u00e4udevermietun<span class=\"_ _0\"></span>g und Bau <span class=\"ff4\">- Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _128\"> </span></span>100,00<span class=\"_ _128\"> </span>Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Industrie und <span class=\"_ _0\"></span>Handelsbeteiligungsholdin<span class=\"_ _0\"></span>g GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Samson \u010cesk\u00e9 Bud\u011bjovice spol. s r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span>100,00<span class=\"_ _128\"> </span>\u201eSG\u201c Geb\u00e4udevermietungsgesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"ff4\"> </span>100,00<span class=\"_ _128\"> </span>\u201eSP\u201c Bau<span class=\"ff4\">- und<span class=\"_ _0\"></span> Geb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _128\"> </span></span>100,00<span class=\"_ _128\"> </span>\u201eST\u201c BAU Errichtun<span class=\"_ _0\"></span>gs<span class=\"ff4\">- und Vermietungsgesellschaft m.b.H., Linz</span><span class=\"ff4\"><span class=\"_ _0\"></span> </span>100,00<span class=\"_ _128\"> </span>TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span>100,00<span class=\"_ _128\"> </span>Nachstehend si<span class=\"_ _5\"></span>nd die <span class=\"_ _3d\"></span>wesentlichen Tochterunternehmen des<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank Konzerns in<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>den <span class=\"_ _5\"></span>Jahren 2022 <span class=\"_ _3d\"></span>und<span class=\"_ _128\"> </span>2021 aufgelistet.<span class=\"_ _128\"> </span> Name  <span class=\"_ _5e\"> </span>Land der  <span class=\"_ _43\"> </span>Hauptaktivit\u00e4t  <span class=\"_ _5f\"> </span>Eigenkapitalanteil in %  <span class=\"_ _43\"> </span> <span class=\"_ _60\"> </span><span class=\"ls2\">2022</span> <span class=\"_ _61\"> </span><span class=\"ls2\">2021</span> Oberbank Leasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _62\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH <span class=\"_ _65\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _66\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Power Tower GmbH <span class=\"_ _67\"> </span>\u00d6sterreich <span class=\"_ _68\"> </span>99,00 <span class=\"_ _69\"> </span>99,00<span class=\"_ _128\"> </span>Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilien Leasing GmbH <span class=\"_ _6a\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Bergbahnen G<span class=\"_ _0\"></span>mbH <span class=\"_ _6b\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>3 Banken Kfz-Leasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _6c\"> </span>\u00d6sterreich <span class=\"_ _68\"> </span>80,00 <span class=\"_ _69\"> </span>80,00<span class=\"_ _128\"> </span>Oberbank Kfz Leasing GmbH <span class=\"_ _6d\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing GmbH Bayern<span class=\"_ _0\"></span> <span class=\"_ _6e\"> </span>Deutschland <span class=\"_ _6f\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l.s.r.o. <span class=\"_ _70\"> </span>Tschechien <span class=\"_ _71\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Ober Finanz Leasing gAG <span class=\"_ _72\"> </span>Ungarn <span class=\"_ _73\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>. <span class=\"_ _74\"> </span>Slowakei <span class=\"_ _a\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Donau<span class=\"_ _0\"></span>l\u00e4nde Invest GmbH <span class=\"_ _75\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Zum 31.12.2022 bestand<span class=\"_ _0\"></span>en in keinem Tochterunternehmen wesentliche nicht<span class=\"_ _0\"></span> beherrschend<span class=\"_ _0\"></span>e Anteile.<span class=\"_ _128\"> </span>61) Beteiligungsliste gem\u00e4\u00df UGB<span class=\"_ _128\"> </span>Konsoli-<span class=\"_ _128\"> </span>Ergebnis des<span class=\"_ _128\"> </span>Die Gesellschaft hielt per 31. De<span class=\"_ _0\"></span>zember 2022 bei folgenden <span class=\"_ _0\"></span> dierungs-<span class=\"_ _128\"> </span>Kapitalanteil in %<span class=\"_ _128\"> </span>5)<span class=\"_ _128\"> </span>Eigen-letzten Ge-<span class=\"_ _128\"> </span>Jahres-<span class=\"_ _128\"> </span>Anmer-<span class=\"_ _128\"> </span>Unternehmen mindestens 20 % Anteilsbesitz:<span class=\"_ _0\"></span> methode *)<span class=\"_ _128\"> </span>un-<span class=\"_ _128\"> </span>mit-<span class=\"_ _128\"> </span>gesamt<span class=\"_ _128\"> </span>kapital<span class=\"_ _128\"> </span>3)<span class=\"_ _128\"> </span>sch\u00e4ftsjah-<span class=\"_ _128\"> </span>res<span class=\"_ _128\"> </span>4)<span class=\"_ _128\"> </span>abschluss<span class=\"_ _128\"> </span>kung<span class=\"_ _128\"> </span>a) Direkte Beteiligungen<span class=\"_ _128\"> </span>\"AM\" Bau- und Geb<span class=\"_ _0\"></span>\u00e4udevermietung Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"LA\" Geb\u00e4udevermietung u<span class=\"_ _0\"></span>nd Bau - Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SG\" Geb\u00e4udevermietungsgesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SP\" Bau- und G<span class=\"_ _0\"></span>eb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>3 Banken-Generali Invest<span class=\"_ _0\"></span>ment-Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N20,57<span class=\"_ _128\"> </span>20,57<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span>V80,00<span class=\"_ _128\"> </span>80,00<span class=\"_ _128\"> </span>8.293<span class=\"_ _128\"> </span>8<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"_ _128\"> </span> ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> Q50,00<span class=\"_ _128\"> </span>50,00<span class=\"_ _128\"> </span>10.946<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnang<span class=\"_ _0\"></span>-Puchheim<span class=\"_ _128\"> </span>N49,00<span class=\"_ _128\"> </span>49,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-ED<span class=\"_ _0\"></span>V Gesellschaft mbH.)<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>339<span class=\"ls0\"> </span>-7<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"ls0\"> </span>GAIN CAPITAL PRIVATE E<span class=\"_ _0\"></span>QUITY III SCSp<span class=\"_ _128\"> </span>N36,97<span class=\"_ _128\"> </span>36,97<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> N33,11<span class=\"_ _128\"> </span>33,11<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembur<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>N58,69<span class=\"_ _128\"> </span>58,69<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad Hofgast<span class=\"_ _0\"></span>ein<span class=\"_ _128\"> </span>N32,62<span class=\"_ _128\"> </span>32,62<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>17.400<span class=\"_ _128\"> </span>1.123<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1.245<span class=\"_ _128\"> </span>-<span class=\"ls2\">337</span> 09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span>V6,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>2.081<span class=\"_ _128\"> </span>6<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>52.978<span class=\"_ _128\"> </span>16.485<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span>V0,10<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>8.505<span class=\"_ _128\"> </span>899<span class=\"ls0\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>48.080<span class=\"_ _128\"> </span>3.605<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava V15,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>09/2021<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N24,70<span class=\"_ _128\"> </span>24,70<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span><div class=\"gsa\"><table class=\"s w4a4 h227\" id=\"_05365c28-dd36-456c-baa7-e88d3ce62a4e\"><tr><td class=\"c x174 y186e w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Samson \u010cesk\u00e9 Bud\u011bjovice spol. s.r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span></div></td><td class=\"c x1f4 y186e w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y186e w1d7 hd\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y186e w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y186f w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y186f w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1870 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2d ws0\">TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span></div></td><td class=\"c x1f4 y1870 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1870 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1870 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1871 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1871 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1872 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz </div></td><td class=\"c x1f4 y1872 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1872 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1872 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1873 w4a2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1873 w4a3 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1874 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1874 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1874 w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td class=\"c x1a0 y1874 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1874 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1875 w1d4 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">b) Indirekte Beteiligungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1876 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"ST\" BAU Errichtungs<span class=\"_ _0\"></span>- und Vermietungsgesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1876 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1876 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,90 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1877 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1877 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1878 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1878 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1878 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1878 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1879 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1879 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1879 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00 </div></td><td class=\"c x3ec y1879 w56 he\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.541 </div></td><td class=\"c x3ed y1879 w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.002 </div></td><td class=\"c x3ee y1879 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1879 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Garagen<span class=\"_ _0\"></span> GmbH, Linz </div></td><td class=\"c x1f4 y187a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y187a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">36<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187a w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x3ee y187a w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z </div></td><td class=\"c x1f4 y187b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187b w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">97,50 </div></td><td class=\"c x3ec y187b w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">548<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">82<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y187b w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y187c w4a5 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y187d w4a6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">registrierte Genossenschaft<span class=\"_ _0\"></span> mit beschr\u00e4nkter Haftung, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span></div></td><td class=\"c x1f4 y187e w56 he8\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187e w173 he8\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25,85 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187e wca he8\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling </div></td><td class=\"c x1f4 y187f w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187f w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,90 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1880 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1880 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1880 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1880 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1880 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">942<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1880 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1880 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1881 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z  </div></td><td class=\"c x1f4 y1881 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1881 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1881 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1881 w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3 </div></td><td class=\"c x3ee y1881 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1881 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1882 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1882 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1882 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">66<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1882 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1882 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1883 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Eugendorf <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1883 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1883 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1883 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1883 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">205<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1883 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1883 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1884 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH </div></td><td class=\"c x1f4 y1884 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1884 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90,00 </div></td><td class=\"c x3ec y1884 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1884 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td><td class=\"c x3ee y1884 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1884 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1885 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1885 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1885 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1885 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1885 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1885 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1885 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1886 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Goldkronach Beteiligungs<span class=\"_ _0\"></span> GmbH, Neu\u00f6tting </div></td><td class=\"c x1f4 y1886 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1886 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1886 w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y1886 w56 he\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2 </div></td><td class=\"c x3ee y1886 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1886 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1887 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  </div></td><td class=\"c x1f4 y1887 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1887 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1887 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1887 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">466<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1887 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1887 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1888 w1d4 he9\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals Oberbank Id<span class=\"_ _0\"></span>stein Immobilien-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasing GmbH), Neu\u00f6tting </div></td><td class=\"c x1f4 y1888 w56 he9\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1888 w173 he9\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1888 w56 he9\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1888 w56 he9\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3ee y1888 w11d he9\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1888 wca he9\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1889 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1889 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1889 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1889 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.275 </div></td><td class=\"c x3ed y1889 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">47<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1889 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1889 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">741<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188b w1d4 hea\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6t-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ting  </div></td><td class=\"c x1f4 y188b w56 hea\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188b w173 hea\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,00 </div></td><td class=\"c x3ec y188b w56 hea\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y188b w56 hea\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188b w11d hea\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188b wca hea\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Industrie und Handelsb<span class=\"_ _0\"></span>eteiligungsholding GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188c w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y188c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y17f8 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y17f8 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y188d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz </div></td><td class=\"c x1f4 y188d w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188d w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188d w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">69<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188d w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">459</span> </div></td><td class=\"c x3ee y188d w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188e w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz </div></td><td class=\"c x1f4 y188e w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188e w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188e w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188e w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.428 </div></td><td class=\"c x3ee y188e w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188e wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH Bayern, Neu\u00f6<span class=\"_ _0\"></span>tting </div></td><td class=\"c x1f4 y188f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.746 </div></td><td class=\"c x3ed y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.646 </div></td><td class=\"c x3ee y188f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1890 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF HOLZ, s.r.o., P<span class=\"_ _0\"></span>rag </div></td><td class=\"c x1f4 y1890 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1890 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1890 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.884 </div></td><td class=\"c x3ed y1890 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1890 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1890 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1891 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag </div></td><td class=\"c x1f4 y1891 w56 hd\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1891 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1891 w56 hd\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.581 </div></td><td class=\"c x3ed y1891 w56 hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">256<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1891 w11d hd\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1891 wca hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1892 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1892 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1892 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,80 </div></td><td class=\"c x3ec y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">45<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1892 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1892 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1893 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1893 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1893 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1893 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1893 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">235<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1893 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1893 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1894 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1894 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1894 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1894 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1894 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">557<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1894 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1894 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"gsa\"><table class=\"s w4a7 h228\" id=\"_ffd7bab4-9187-4dad-ba6f-77f6f4e22ff1\"><tr><td class=\"c x1a7 y1895 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1895 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y1895 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e4 y1896 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1896 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1897 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x31c y1897 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1897 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1897 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1897 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">182<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1897 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1897 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1898 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenhof Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz </div></td><td class=\"c x31c y1898 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1898 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">87<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1898 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1898 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1899 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1899 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1899 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">75<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1899 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1899 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x31c y189a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189a w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x3e2 y189a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189b w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neustadt I<span class=\"_ _0\"></span>mmobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189c w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">53<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189c w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189c wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189d w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189d w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189d w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">372<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189d w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189d wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting </div></td><td class=\"c x31c y189e w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189e w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94,00 </div></td><td class=\"c x3e0 y189e w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3e1 y189e w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">22<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189e w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189e wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y189f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">27<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a0 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a0 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a0 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a0 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a0 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">26</span> </div></td><td class=\"c x3e2 y18a0 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a0 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a1 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a1 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a1 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a1 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a1 w56 he\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">10</span> </div></td><td class=\"c x3e2 y18a1 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a1 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a2 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz </div></td><td class=\"c x31c y18a2 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a2 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,00 </div></td><td class=\"c x3e0 y18a2 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">70<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a2 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">79</span> </div></td><td class=\"c x3e2 y18a2 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a2 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a3 w1d4 hec\"><div class=\"t m0 x7 h5 ybbf ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Im-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ybc0 ff4 fs2 fc2 sc0 ls0 ws0\">mobilienleasing GmbH), Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y18a3 w56 hec\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a3 w173 hec\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a3 w56 hec\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a3 w56 hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">118<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y18a3 w11d hec\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a3 wca hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a4 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Techno-<span class=\"ls43\">Z </span>Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Braun<span class=\"_ _0\"></span>au </div></td><td class=\"c x31c y18a4 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y18a4 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21,50 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y18a4 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y18a6 w4a8 h171\"><div class=\"t m0 x177 h16 y18a5 ff4 fs6 fc2 sc0 ls44 ws0\">*)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Konsolidi<span class=\"_ _5\"></span>erung im Konzerna<span class=\"_ _5\"></span>bschluss: V =<span class=\"_ _5\"></span> Vollk<span class=\"_ _5\"></span>onsolidierung, E = Be<span class=\"_ _5\"></span>wertung \"at equi<span class=\"_ _5\"></span>ty\", Q = ant<span class=\"_ _5\"></span>eilsm\u00e4\u00dfige Kons<span class=\"_ _5\"></span>olidierun<span class=\"_ _5\"></span>g, N = gem\u00e4\u00df IAS 27 in Verbind<span class=\"_ _5\"></span>ung mit Framework 29 <span class=\"_ _5\"></span>nicht i<span class=\"_ _5\"></span>n den Konzernabschlus<span class=\"_ _5\"></span>s einbezogen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a7 w4a9 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) <span class=\"_ _3d\"></span>verbundenes <span class=\"_ _3d\"></span>Unternehmen; <span class=\"_ _3d\"></span>2) <span class=\"_ _5\"></span>Ergebnisabf\u00fchr<span class=\"_ _5\"></span>ungsvertrag; <span class=\"_ _3d\"></span>3) <span class=\"_ _5\"></span>einschlie<span class=\"_ _5\"></span>\u00dflich <span class=\"_ _3d\"></span>unversteuerter <span class=\"_ _3d\"></span>R\u00fccklagen; <span class=\"_ _3d\"></span>4) Jah<span class=\"_ _5\"></span>res\u00fcberschu<span class=\"_ _5\"></span>ss <span class=\"_ _3d\"></span>gem<span class=\"_ _0\"></span>. \u00a7<span class=\"_ _5\"></span> <span class=\"_ _3d\"></span>231 Abs. <span class=\"_ _3d\"></span>2 <span class=\"_ _5\"></span>Z <span class=\"_ _3d\"></span>21 <span class=\"_ _5\"></span>UGB; <span class=\"_ _3d\"></span>5) <span class=\"_ _5\"></span>mittelbare <span class=\"_ _3d\"></span>Beteiligungen <span class=\"_ _3d\"></span>an <span class=\"_ _5\"></span>Kredit- <span class=\"_ _3d\"></span>und <span class=\"_ _5\"></span>Finanzinst<span class=\"_ _5\"></span>ituten <span class=\"_ _3d\"></span>wurden<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a9 w4aa h17a\"><div class=\"t m0 x177 h6 y18a8 ff4 fs4 fc2 sc0 ls0 ws0\">gem\u00e4\u00df \u00a7 <span class=\"ls1b\">30 </span>BWG b<span class=\"_ _5\"></span>erechne<span class=\"_ _5\"></span>t, mittel<span class=\"_ _5\"></span>bare Beteili<span class=\"_ _5\"></span>gungen an andere<span class=\"_ _5\"></span>n Unternehmen wurden <span class=\"_ _5\"></span>gem\u00e4\u00df UGB bere<span class=\"_ _5\"></span>chnet; 6)<span class=\"_ _5\"></span> von \u00a7 242 Abs. 2 UG<span class=\"_ _5\"></span>B wird Ge<span class=\"_ _5\"></span>brauch gemacht</div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-3": {
   "value": "AG",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-5": {
   "value": "Linz",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-7": {
   "value": "Der Konzernabschlussstichtag ist d<span class=\"_ _0\"></span>er 31. Dezember. \u00dcber die in den Konzernab<span class=\"_ _0\"></span>schluss einbezogenen Leasingunterneh<span class=\"_ _0\"></span>men<span class=\"_ _128\"> </span> wurde ein Teilkonzernab<span class=\"_ _0\"></span>schluss mit Stichtag 30. September au<span class=\"_ _0\"></span>fgestellt, um eine zeitnahe Konzern<span class=\"_ _0\"></span>-Jahr<span class=\"_ _0\"></span>esabschlusserstellung<span class=\"_ _128\"> </span> zu erm\u00f6glichen. Wesentliche Gesch\u00e4ftsv<span class=\"_ _0\"></span>orf\u00e4lle bzw. \u00c4nderungen in d<span class=\"_ _0\"></span>er Zusammensetzung des Leasing<span class=\"_ _0\"></span>-Teilkonzerns <span class=\"_ _0\"></span>im  4. Quartal werden b<span class=\"_ _0\"></span>er\u00fccksichtigt.<span class=\"_ _128\"> </span> 2.4) Konsolidierungsmethod<span class=\"_ _0\"></span>en Alle wesentlichen Tochterunt<span class=\"_ _0\"></span>ernehmen, die unter der wirtschaftli<span class=\"_ _0\"></span>chen Beherrschung d<span class=\"_ _0\"></span>er Oberbank AG stehen, wurden in den Konzernabschluss einb<span class=\"_ _0\"></span>ezogen.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die wichtigsten Beteiligungen mit b<span class=\"_ _0\"></span>is zu 50 % Beteiligungsverh\u00e4ltnis wurden n<span class=\"_ _0\"></span>ach der Equity-Meth<span class=\"_ _0\"></span>ode bilanziert (BKS </span></span>Bank AG, Bank f\u00fcr Tiro<span class=\"_ _0\"></span>l und Vorarlberg Aktiengesellschaft<span class=\"_ _0\"></span>, voestalpine AG). Voraussetzung f\u00fcr die Einbeziehun<span class=\"_ _0\"></span>g nach der Equity-Methode ist,<span class=\"_ _0\"></span> dass auf die Unternehmenspolitik ma\u00dfgeblicher Einfluss ausge\u00fcbt w<span class=\"_ _0\"></span>erden kann. Durch den <span class=\"_ _0\"></span> ma\u00dfgeblichen Einfluss verf\u00fcgt<span class=\"_ _0\"></span> der Investor \u00fcber einen Anteil an der Ertragskr<span class=\"_ _0\"></span>aft de<span class=\"_ _0\"></span>s assoziierten Unternehmens und demzufolge \u00fcber einen Ant<span class=\"_ _0\"></span>eil am R\u00fcckfluss des eingesetzten Kapitals und des Nettoverm\u00f6<span class=\"_ _0\"></span>gens.  Ebenso sind Gewinnaus-<span class=\"_ _128\"> </span>sch\u00fcttungen kein M<span class=\"_ _0\"></span>a\u00dfstab f\u00fcr die zurechenbare Leistung d<span class=\"_ _0\"></span>es assoziierten Unternehmens. Das Ergebnis aus <span class=\"_ _1\"></span> Beteiligungen, auf die ein ma\u00dfgeblicher Einflu<span class=\"_ _0\"></span>ss ausge\u00fcbt wird, wird dur<span class=\"_ _0\"></span>ch die Einbeziehung des anteiligen <span class=\"_ _0\"></span> Jahres\u00fcberschusses treffender abgebildet. <span class=\"_ _0\"></span>Eine weitere Ergebniseliminierung aufgru<span class=\"_ _0\"></span>nd von Konsolidierungen oder von auf eigene Ergebnisanteile entfallend<span class=\"_ _0\"></span>e Jahres\u00fcb<span class=\"_ _0\"></span>ersch\u00fcsse wird bei at-Equit<span class=\"_ _0\"></span>y Beteiligungen nicht vorgenommen.<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">F\u00fcr gemeinschaftliche T\u00e4tigkeiten (ALPENL\u00c4ND<span class=\"_ _0\"></span>ISCHE GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H.) wurd<span class=\"_ _0\"></span>e neben der Bilanzierung </span></span>der eigenen Verm\u00f6genswerte, Schulden, Er<span class=\"_ _0\"></span>l\u00f6se und Aufwendungen die <span class=\"_ _0\"></span>anteilsm\u00e4\u00dfige Konso<span class=\"_ _0\"></span>lidierung angewandt<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Nicht konsolidiert wurd<span class=\"_ _0\"></span>en Tochterunternehmen, deren Einfluss auf die Verm\u00f6gens<span class=\"_ _0\"></span>-, Finan<span class=\"_ _0\"></span>z- und Ertragslage des  </span></span>Konzerns insgesamt von unt<span class=\"_ _0\"></span>ergeordneter Bedeutung ist. \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die \u00fcbrigen Beteiligungen sind gem\u00e4\u00df IFRS 9 mit d<span class=\"_ _0\"></span>em Fair Valu<span class=\"_ _0\"></span>e angesetzt. </span></span>Die Kapitalkonsolid<span class=\"_ _0\"></span>ierung erfolgte gem\u00e4\u00df den Bestimmungen des IFRS 3 nach der E<span class=\"_ _0\"></span>rwerbsmethode. Aktive Unterschieds<span class=\"_ _1\"></span>- betr\u00e4ge, die auf gesond<span class=\"_ _0\"></span>ert identifizierbare immaterielle Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e entfallen, die im Rahmen des <span class=\"_ _1\"></span> Unternehmenszusammenschlu<span class=\"_ _0\"></span>sses erworben wurden,<span class=\"_ _0\"></span> werden getrennt vom Firmenwert ausgewiesen. Dabei werden au<span class=\"_ _0\"></span>ch f\u00fcr die Fremdanteile die ant<span class=\"_ _0\"></span>eiligen Unterschiedsbetr\u00e4ge angef\u00fchrt. Sow<span class=\"_ _0\"></span>eit f\u00fcr diese Verm\u00f6gensgegenst\u00e4nde eine Nutzu<span class=\"_ _0\"></span>ngs-<span class=\"_ _128\"> </span>dauer bestimmt werden<span class=\"_ _0\"></span> kann, erfolgt eine planm\u00e4\u00dfige Abschreibun<span class=\"_ _0\"></span>g \u00fcber die voraussichtliche Nutzungsdauer. <span class=\"_ _0\"></span> Konzerninterne Forderungen und<span class=\"_ _0\"></span> Verbindlichkeiten sowie Au<span class=\"_ _0\"></span>fwendungen und Ertr\u00e4ge werden eliminiert, soweit s<span class=\"_ _0\"></span>ie nicht von untergeordneter Bed<span class=\"_ _0\"></span>eutung sind. Auf eine Zwischenergebniseliminierun<span class=\"_ _0\"></span>g wurde verzichtet, da keine w<span class=\"_ _0\"></span>esentlichen  Zwischenergebnisse vorh<span class=\"_ _0\"></span>anden sind. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-382": {
   "value": "2.1) Angewandte IAS<span class=\"_ _0\"></span> bzw. IFRS<span class=\"_ _128\"> </span> Der Konzernabschluss d<span class=\"_ _0\"></span>er Oberbank A<span class=\"_ _0\"></span>G f\u00fcr das Gesch\u00e4ftsjahr 2022 wurde in \u00dcbereinstimmung mit d<span class=\"_ _0\"></span>en vom International<span class=\"_ _128\"> </span> Accounting Standards Bo<span class=\"_ _0\"></span>ard (IASB) ver\u00f6ffentlichten und in Kr<span class=\"_ _0\"></span>aft befindlichen International Financial Report<span class=\"_ _0\"></span>ing Standards<span class=\"_ _128\"> </span> (IFRS), wie sie in der EU an<span class=\"_ _0\"></span>zuwenden sind, und dere<span class=\"_ _0\"></span>n Auslegung dur<span class=\"_ _0\"></span>ch das International Financial Reporting Interp<span class=\"_ _0\"></span>retations<span class=\"_ _128\"> </span> Committee (IFRIC) erstellt. Er erf\u00fc<span class=\"_ _0\"></span>llt auch die Voraussetzungen des \u00a7 59 a BWG un<span class=\"_ _0\"></span>d des \u00a7 245 a UGB \u00fcb<span class=\"_ _0\"></span>er befreiende <span class=\"_ _0\"></span> Konzernabschl\u00fcsse nach in<span class=\"_ _0\"></span>ternational anerkannten Rechnungslegungsgru<span class=\"_ _0\"></span>nds\u00e4tzen. Vo<span class=\"_ _0\"></span>n der Unternehmensfortf\u00fchrung w<span class=\"_ _0\"></span>ird<span class=\"_ _128\"> </span> ausgegangen<span class=\"ls19\">.<span class=\"_ _128\"> </span></span>Der <span class=\"_ _0\"></span> Konzernabschluss wird i<span class=\"_ _0\"></span>n Euro aufgestellt<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-8": {
   "value": "2.1) Angewandte IAS<span class=\"_ _0\"></span> bzw. IFRS<span class=\"_ _128\"> </span> Der Konzernabschluss d<span class=\"_ _0\"></span>er Oberbank A<span class=\"_ _0\"></span>G f\u00fcr das Gesch\u00e4ftsjahr 2022 wurde in \u00dcbereinstimmung mit d<span class=\"_ _0\"></span>en vom International<span class=\"_ _128\"> </span> Accounting Standards Bo<span class=\"_ _0\"></span>ard (IASB) ver\u00f6ffentlichten und in Kr<span class=\"_ _0\"></span>aft befindlichen International Financial Report<span class=\"_ _0\"></span>ing Standards<span class=\"_ _128\"> </span> (IFRS), wie sie in der EU an<span class=\"_ _0\"></span>zuwenden sind, und dere<span class=\"_ _0\"></span>n Auslegung dur<span class=\"_ _0\"></span>ch das International Financial Reporting Interp<span class=\"_ _0\"></span>retations<span class=\"_ _128\"> </span> Committee (IFRIC) erstellt. Er erf\u00fc<span class=\"_ _0\"></span>llt auch die Voraussetzungen des \u00a7 59 a BWG un<span class=\"_ _0\"></span>d des \u00a7 245 a UGB \u00fcb<span class=\"_ _0\"></span>er befreiende <span class=\"_ _0\"></span> Konzernabschl\u00fcsse nach in<span class=\"_ _0\"></span>ternational anerkannten Rechnungslegungsgru<span class=\"_ _0\"></span>nds\u00e4tzen. Vo<span class=\"_ _0\"></span>n der Unternehmensfortf\u00fchrung w<span class=\"_ _0\"></span>ird<span class=\"_ _128\"> </span> ausgegangen<span class=\"ls19\">.<span class=\"_ _128\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-9": {
   "value": "Folgende Tabelle zeigt neu ver\u00f6ffentlichte b<span class=\"_ _0\"></span>zw. ge\u00e4nderte Standards und Interp<span class=\"_ _0\"></span>retationen zum Bilanzstichtag, die in der <span class=\"_ _1\"></span> Berichtsperiode erstmalig zur<span class=\"_ _0\"></span> Anwendung kamen. <span class=\"_ _7\"> </span> Standard/Interpretation <span class=\"_ _13\"> </span>Bezeichnung <span class=\"_ _14\"> </span>Anzuwenden f\u00fcr <span class=\"_ _15\"> </span>Von EU bereits <span class=\"_ _16\"> </span> <span class=\"_ _17\"> </span>Gesch\u00e4ftsjahre ab <span class=\"_ _d\"> </span>\u00fcb<span class=\"_ _5\"></span>ernommen<span class=\"_ _128\"> </span>J\u00e4hrliche Verbesserungen an<span class=\"_ _0\"></span> <span class=\"_ _18\"> </span>Zyklus 2018 - <span class=\"ls2\">2020</span> <span class=\"_ _19\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> den IFRS <span class=\"_ _1b\"> </span> <span class=\"_ _1c\"> </span> <span class=\"_ _1d\"> </span> \u00c4nderungen zu IFRS 3 <span class=\"_ _1e\"> </span>Verweis auf das Rahmenkon<span class=\"_ _0\"></span>zept <span class=\"_ _1f\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _12\"></span> \u00c4nderungen zu IFRS 16 <span class=\"_ _20\"> </span>Ertr\u00e4ge vor Erreichen des betriebsbereiten Zust<span class=\"_ _0\"></span>ands <span class=\"_ _21\"> </span>1.4.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _12\"></span> \u00c4nderungen zu IAS 37 <span class=\"_ _22\"> </span>Umfang der Erf\u00fcllungsko<span class=\"_ _0\"></span>sten bei belastenden Vertr\u00e4gen<span class=\"_ _0\"></span> <span class=\"_ _3\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> Die n\u00e4chste Tab<span class=\"_ _0\"></span>elle zeigt ver\u00f6ffentlichte bzw. ge\u00e4nderte Standards <span class=\"_ _0\"></span>und Interpretationen zum Bilanzsti<span class=\"_ _0\"></span>cht<span class=\"_ _0\"></span>ag, die vollst\u00e4ndig<span class=\"_ _128\"> </span>durch das IASB bzw. teilweise dur<span class=\"_ _0\"></span>ch das EU<span class=\"_ _0\"></span>-Endorsementverfahren in Kraft getreten, aber noch n<span class=\"_ _0\"></span>icht verpflichtend <span class=\"_ _0\"></span> anzuwenden sind. Diese wur<span class=\"_ _0\"></span>den im vorliegenden Konzernabschluss n<span class=\"_ _0\"></span>icht angewandt. Eine fr\u00fchzeitige Anwendung ist<span class=\"_ _0\"></span> derzeit<span class=\"_ _128\"> </span>nicht geplant.<span class=\"_ _128\"> </span>Standard/Interpretation <span class=\"_ _13\"> </span>Bezeichnung <span class=\"_ _14\"> </span>Anzuwenden f\u00fcr<span class=\"ls1\">    </span>Von EU <span class=\"_ _5\"></span>bereits <span class=\"_ _16\"> </span> <span class=\"_ _17\"> </span>Gesch\u00e4ftsjahre ab    <span class=\"_ _0\"></span>\u00fcbernommen<span class=\"_ _128\"> </span>\u00c4nderungen zu IAS 1 <span class=\"_ _23\"> </span>Klassifizierung von Schulden a<span class=\"_ _0\"></span>ls kurz- oder langfristig <span class=\"_ _c\"> </span>1.1.2023 <span class=\"_ _24\"> </span>Nein <span class=\"_ _25\"> </span> \u00c4nderungen zu IAS 1 <span class=\"_ _23\"> </span>Angaben zu Rechnungslegun<span class=\"_ _0\"></span>gsmethoden  <span class=\"_ _26\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _13\"> </span> \u00c4nderungen zu IAS 8 <span class=\"_ _23\"> </span>Definition von rechnun<span class=\"_ _0\"></span>gslegungsbezogenen <span class=\"_ _28\"> </span> 1.1.2023 <span class=\"_ _29\"> </span><span class=\"ls1a\">Ja</span>  <span class=\"_ _16\"> </span>Sch\u00e4tzungen <span class=\"_ _2a\"> </span> \u00c4nderungen zu IAS 12 <span class=\"_ _22\"> </span>Ansatz f\u00fcr latente Steuern b<span class=\"_ _0\"></span>ei erstmaligem Ansatz <span class=\"_ _10\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span>  <span class=\"_ _16\"> </span>eines Verm\u00f6genswertes oder einer S<span class=\"_ _0\"></span>chuld<span class=\"_ _128\"> </span>IFRS 17 <span class=\"_ _2b\"> </span>Versicherungsvertr\u00e4ge <span class=\"_ _2c\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> \u00c4nderungen IFRS 16 <span class=\"_ _2d\"> </span>Leasingverbindlichkeit bei Sale an<span class=\"_ _0\"></span>d Leaseback <span class=\"_ _2e\"> </span>1.1.2024 <span class=\"_ _24\"> </span>Nein<span class=\"_ _128\"> </span>\u00c4nderungen der Rechnungslegungsgrunds\u00e4tze 2022<span class=\"_ _1\"></span> Die <span class=\"ff5\">j\u00e4hrlichen Verbesserungen <span class=\"_ _0\"></span></span>an den IFRS bet<span class=\"_ _0\"></span>reffen \u00c4nderungen an IFRS 1, IFRS 9, IFRS 16 und<span class=\"_ _0\"></span> IAS 41. Es gibt keine we-<span class=\"_ _128\"> </span>sentlichen Auswir<span class=\"_ _0\"></span>kungen aus diesen \u00c4nderungen, die per 1. J\u00e4nner 2022 in Kraft t<span class=\"_ _0\"></span>raten, auf den Konzernabschlu<span class=\"_ _0\"></span>ss der<span class=\"_ _128\"> </span>Oberbank AG. <span class=\"fs8\"> </span>IFRS 3<span class=\"ff4\"> <span class=\"ffb\">\u201eUnternehmenszusammenschl\u00fcsse\u201c<span class=\"_ _0\"></span></span> wird d<span class=\"_ _0\"></span>ahingehend aktualisiert, dass sich die Verweise nunmehr auf d<span class=\"_ _0\"></span>as aktuelle<span class=\"_ _128\"> </span></span>Rahmenkonzept f\u00fcr d<span class=\"_ _0\"></span>ie Finanzberichterstattung 2018 und<span class=\"_ _0\"></span> nicht mehr auf das Rahmenkonzept 1989 beziehen. Die \u00c4nderun<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>gen an IFRS 3 traten<span class=\"_ _0\"></span> per 1. J\u00e4nner 2022 in Kraft. Es ergeben s<span class=\"_ _1\"></span>ich keine wesentlichen Auswirkungen auf den Konzernabschluss<span class=\"_ _128\"> </span>der Oberbank AG.<span class=\"_ _128\"> </span>Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 16 \u201eSachanlagen\u201c</span> verbieten n<span class=\"_ _0\"></span>unmehr explizit den Abzug m\u00f6glicher Nett<span class=\"_ _0\"></span>oertr\u00e4ge von den Anschaf-<span class=\"_ _128\"> </span>fungskosten einer Sachan<span class=\"_ _0\"></span>lage. Werden G\u00fcter hergestellt und ver\u00e4<span class=\"_ _0\"></span>u\u00dfert, w\u00e4hrend eine Sachanlage an d<span class=\"_ _0\"></span>en beabsichtigten<span class=\"_ _128\"> </span>Standort bzw. in den beab<span class=\"_ _0\"></span>sichtigten betriebsbereiten Zustand gebracht<span class=\"_ _0\"></span> wird, m\u00fcssen die aus der Ver\u00e4u\u00dferun<span class=\"_ _0\"></span>g dieser G\u00fcter<span class=\"_ _128\"> </span>resultierenden Ertr\u00e4ge sowie deren Herstellungsko<span class=\"_ _0\"></span>sten erfolgswirksam gem\u00e4\u00df den jewe<span class=\"_ _0\"></span>ils g\u00fclt<span class=\"_ _0\"></span>igen Standards erfasst wer-<span class=\"_ _128\"> </span>den. Die \u00c4nderungen sind ers<span class=\"_ _0\"></span>tmals in Gesch\u00e4ftsjahren anzuwenden<span class=\"_ _0\"></span>, die am oder nach dem 1. J\u00e4nner 2022 beginn<span class=\"_ _0\"></span>en. Da im<span class=\"_ _128\"> </span>Konzern keine Sachanlagen vo<span class=\"_ _0\"></span>rhanden sind, bei denen im Rahmen von<span class=\"_ _0\"></span> Testl\u00e4ufen G\u00fcter hergestellt werden, gi<span class=\"_ _1\"></span>bt es keine<span class=\"_ _128\"> </span>Auswirkungen aus diesen \u00c4nderu<span class=\"_ _0\"></span>ngen auf den Konzernabschluss der Ob<span class=\"_ _0\"></span>erbank AG.<span class=\"_ _0\"></span> Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 37 \u201eR\u00fcckstellungen und Eventualverbindlichkeiten\u201c</span> <span class=\"_ _0\"></span>konkretisieren den<span class=\"_ _0\"></span> Umfang der Erf\u00fcllungskos-<span class=\"_ _128\"> </span>ten bei belastend<span class=\"_ _0\"></span>en Vertr\u00e4gen. Als Erf\u00fcllungskosten<span class=\"_ _0\"></span> sind alle direkt zurechenbaren Kost<span class=\"_ _0\"></span>en zu ber\u00fccksichtigen.  <span class=\"_ _7\"> </span>Darunter fallen die inkr<span class=\"_ _0\"></span>ementellen Kosten der Erf\u00fcllung des Vertrags (z. B. direkt zur<span class=\"_ _0\"></span>echenbare Arbeits<span class=\"_ _0\"></span>- und M<span class=\"_ _0\"></span>aterialkosten)<span class=\"_ _128\"> </span>sowie eine Verrechnung anderer,<span class=\"_ _0\"></span> der Erf\u00fcllung des Vertrags direkt zure<span class=\"_ _0\"></span>chenb<span class=\"_ _0\"></span>are Kosten (z. B. anteilige Abschreibu<span class=\"_ _0\"></span>ng von<span class=\"_ _128\"> </span>Sachanalgen, die f\u00fcr d<span class=\"_ _0\"></span>ie Erf\u00fcllung mehrerer Vertr\u00e4ge genutzt werden). Die \u00c4nderungen an I<span class=\"_ _0\"></span>AS 37 sind auf alle Vertr\u00e4ge an-<span class=\"_ _128\"> </span>zuwenden, bei denen zum Zeitpun<span class=\"_ _0\"></span>kt des Inkrafttretens der \u00c4nderung p<span class=\"_ _0\"></span>er 1. J\u00e4nner 2022 n<span class=\"_ _0\"></span>och nicht<span class=\"_ _0\"></span> alle Verpflichtungen<span class=\"_ _128\"> </span>erf\u00fcllt wurden. Die angef\u00fchrt<span class=\"_ _0\"></span>en \u00c4nderung<span class=\"_ _0\"></span><span class=\"lsc\">en</span> hat keine Ausw<span class=\"_ _0\"></span>irkung auf den Konzernabschluss der Oberbank AG.<span class=\"_ _0\"></span><span class=\"fc3\"> </span>Die im August 2020 ver\u00f6ffent<span class=\"_ _0\"></span>lichten \u00c4nderungen zu <span class=\"_ _0\"></span><span class=\"ff5\">IFRS 9, IAS 39, IFRS 7, IFRS 4 und IFRS 16</span> (Ph<span class=\"_ _0\"></span>ase 2 der IBOR-Reform)<span class=\"_ _128\"> </span>sollen die Auswirkungen ab<span class=\"_ _0\"></span>mildern, die sich im Zeitpunkt der Abl\u00f6sung eines best<span class=\"_ _0\"></span>ehenden Referenzzinssatzes durch einen<span class=\"_ _128\"> </span>alternativen Zinssat<span class=\"_ _0\"></span>z auf die Finanzberichterstattung ergeben. Die f\u00fcr d<span class=\"_ _0\"></span>ie Oberbank AG daraus resultierenden unw<span class=\"_ _0\"></span>esentli-<span class=\"_ _128\"> </span>chen Auswirkungen<span class=\"_ _0\"></span> werden folgend dargestellt:<span class=\"_ _128\"> </span>Durch die Abl\u00f6se der Interb<span class=\"_ _0\"></span>ank Offered Rates (IBOR) durch neue risikofreie Zinss\u00e4tze wur<span class=\"_ _0\"></span>den bereits bis zum 31.12. 2021<span class=\"_ _128\"> </span>s\u00e4mtliche Marktbewertungen von D<span class=\"_ _0\"></span>erivaten von EONIA auf \u20acSTR umgestellt, sod<span class=\"_ _0\"></span>ass es im GJ 2022 aus diesem Tit<span class=\"_ _0\"></span><span class=\"ff4\">el keinen<span class=\"_ _128\"> </span></span>Umstellungseffekt mehr gab. <span class=\"_ _0\"></span> Das Ausma\u00df der von d<span class=\"_ _0\"></span>er LIBOR-Umstellung im GJ 2022 au<span class=\"_ _0\"></span>f neue Referenzwerte betroffenen<span class=\"_ _0\"></span> umgestellten Volumina belief<span class=\"_ _128\"> </span>sich in der Oberbank AG auf folgende Betr<span class=\"_ _0\"></span>\u00e4ge:<table class=\"s w2ad h162\" id=\"_29276587-ad78-4acd-9044-bfbbe776eef1\"><tr><td class=\"c x1bc y1122 w57 h5a\"><div class=\"t m0 x90 h5b y34a ffb fs4 fc2 sc0 ls0 ws0\">in Tsd. \u20ac <span class=\"ff5\"> </span></div></td><td class=\"c x1bd y1122 w58 h5a\"><div class=\"t m0 x87 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">CHF-LIBOR </div></td><td class=\"c x1be y1122 w59 h5a\"><div class=\"t m0 x70 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">JPY-LIBOR </div></td><td class=\"c x1bf y1122 w58 h5a\"><div class=\"t m0 x87 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">GBP-LIBOR </div></td></tr><tr><td class=\"c x1bc y1123 w57 h5a\"><div class=\"t m0 x90 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">Forderungen an Kun<span class=\"_ _5\"></span>den </div></td><td class=\"c x1bd y1123 w58 h5a\"><div class=\"t m0 x8c h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">22.252 </div></td><td class=\"c x1be y1123 w59 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x1bf y1123 w58 h5a\"><div class=\"t m0 x4a h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y1124 w57 h5a\"><div class=\"t m0 x90 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">Verbindlichkeit<span class=\"_ _5\"></span>en gegen\u00fcber Ku<span class=\"_ _5\"></span>nden </div></td><td class=\"c x1bd y1124 w58 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">669<span class=\"ls0\"> </span></div></td><td class=\"c x1be y1124 w59 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">106<span class=\"ls0\"> </span></div></td><td class=\"c x1bf y1124 w58 h5a\"><div class=\"t m0 x4a h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1 </div></td></tr></table>Per Juni 2023 erfolgen noch d<span class=\"_ _0\"></span>ie Umstellungen der USD<span class=\"_ _0\"></span>-Referenzwerte, wobei das Volumen der USD<span class=\"_ _0\"></span>-Forderun<span class=\"_ _0\"></span>gen zum 31.<span class=\"_ _128\"> </span>Dezember 2022 umgerechnet 8.706 Tsd<span class=\"_ _0\"></span>. Euro und das <span class=\"_ _0\"></span>Volumen der USD<span class=\"_ _0\"></span>-Verbindlichkeiten umgerechnet 2.037 Tsd. E<span class=\"_ _0\"></span>uro<span class=\"_ _128\"> </span>betr\u00e4gt.<span class=\"_ _128\"> </span>K\u00fcnftige \u00c4nderungen von Rechnungslegungsgrunds\u00e4tzen<span class=\"_ _1\"></span> Die \u00c4nderungen zu <span class=\"_ _0\"></span><span class=\"ffb\">IAS 1 \u201eDarstellung des Abschlusses\u201c<span class=\"_ _0\"></span></span> betreffen den Ausweis von Schuld<span class=\"_ _0\"></span>en als kurz- oder langfristig in der<span class=\"_ _128\"> </span>Bilanz und nicht d<span class=\"_ _0\"></span>ie H\u00f6he oder den Zeitpunkt der Erfassung von Verm\u00f6genswerten, Verb<span class=\"_ _0\"></span>indlichkeiten, Ertr\u00e4gen oder Auf-<span class=\"_ _128\"> </span>wendungen oder die Infor<span class=\"_ _0\"></span>mationen, die \u00fcber diese Posten anzugeben sind<span class=\"_ _1\"></span>. Dar\u00fcber hinaus wird mit den \u00c4nderungen zu<span class=\"_ _0\"></span><span class=\"ff5\"> IAS<span class=\"_ _128\"> </span></span>1 <span class=\"ff4 ls6\">und</span><span class=\"ls0\"> IAS 8<span class=\"ff4\"> <span class=\"ff9\">(\u201eBilanzierungs</span>- <span class=\"ff9\">und Bewertungsmeth<span class=\"_ _0\"></span>oden, \u00c4nderungen von Sch\u00e4tzungen und<span class=\"_ _0\"></span> Fehlern\u201c) konkretisiert, in wel-<span class=\"_ _128\"> </span></span></span></span>chem Umfang Bilanzierungs- u<span class=\"_ _0\"></span>nd Bewertungsmeth<span class=\"_ _0\"></span>oden im IFRS-Anhan<span class=\"_ _0\"></span>g erl\u00e4utert werden m\u00fcssen. Es <span class=\"_ _0\"></span>wird ein einheitlicher<span class=\"_ _128\"> </span>und genauer umrissener Wesent<span class=\"_ _0\"></span>lichkeitsbegriff von Abschlussinformationen geschaffen, d<span class=\"_ _0\"></span>er eine Harmonisierung vom Rah-<span class=\"_ _128\"> </span>menkonzept f\u00fcr die Finanzb<span class=\"_ _0\"></span>erichterstattung, IAS 1 und IAS 8 sowie dem IFRS<span class=\"_ _0\"></span>-<span class=\"ff9\">Leitliniend<span class=\"_ _0\"></span>okument \u201eF\u00e4llen von<span class=\"_ _0\"></span> Wesentlich-<span class=\"_ _128\"> </span></span>k<span class=\"ff9\">eitsentscheidungen\u201c h<span class=\"_ _0\"></span>erbeif\u00fchren soll. Die \u00c4nderungen tret<span class=\"_ _0\"></span>en per 1. J\u00e4nner 2023 in Kraft. Es ergeben sich daraus <span class=\"_ _0\"></span>keine<span class=\"_ _128\"> </span></span>wesentlichen Ausw<span class=\"_ _0\"></span>irkungen auf den Konzernabschluss der Oberbank A<span class=\"_ _0\"></span>G.<span class=\"_ _128\"> </span>Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 12 \u201eLatente Steuern\u201c</span> schr\u00e4nken<span class=\"_ _0\"></span> den Anwendungsb<span class=\"_ _0\"></span>ereich der Ausnahmeregelung zum erstmaligen<span class=\"_ _128\"> </span>Ansatz von latenten Steu<span class=\"_ _0\"></span>ern (\u201einitial recognition exemption<span class=\"_ _0\"></span>\u201c) ein. Die Ausnahmeregelung soll keine Anw<span class=\"_ _0\"></span>endung auf Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsvorf\u00e4lle finden,<span class=\"_ _0\"></span> die gleichzeitig zu steuerpflichtigen und abzugsf\u00e4higen tempo<span class=\"_ _0\"></span>r\u00e4ren Differen<span class=\"_ _0\"></span>zen in gleicher H\u00f6he f\u00fch-<span class=\"_ _128\"> </span>ren. Es werden keine wesent<span class=\"_ _0\"></span>lichen Auswirkungen auf k\u00fcnftige Konzern<span class=\"_ _0\"></span>abschl\u00fcsse der Oberbank AG erwartet<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> IFRS 17 \u201eVersicherungsvertr\u00e4ge\u201c<span class=\"_ _0\"></span><span class=\"ff4\"> regelt die Grunds\u00e4tze in Bezug au<span class=\"_ _0\"></span>f die Identifikation, den Ansatz, d<span class=\"_ _0\"></span>ie Bewertung, den Aus-<span class=\"_ _128\"> </span></span>weis <span class=\"ff9\">sowie die Anh<span class=\"_ _0\"></span>angangaben f\u00fcr Versicherungsvertr\u00e4ge und ersetzt ab<span class=\"_ _0\"></span> 1. J\u00e4nner 2023 den IFRS 4 \u201eVersicherungsvertr<span class=\"_ _0\"></span>\u00e4ge\u201c.<span class=\"_ _128\"> </span></span>Diese \u00c4nderung f\u00fchrt f\u00fc<span class=\"_ _0\"></span>r die Oberbank AG zu keinen wesentlichen Ausw<span class=\"_ _0\"></span>irkungen. <span class=\"_ _7\"> </span> IFRS 16 \u201eLeasingverbindlichkeiten bei Sale and Leas<span class=\"_ _0\"></span>eback\u201c<span class=\"_ _0\"></span><span class=\"ff5\"> </span>Di<span class=\"ls0\">e \u00c4nderung beinhaltet Vorgaben f\u00fcr die Folgebewe<span class=\"_ _5\"></span>rtung von Leasingverh\u00e4ltnissen im Rahmen eines Sale<span class=\"_ _0\"></span>-and-Leaseback (SLB) f\u00fcr<span class=\"_ _128\"> </span></span>Verk\u00e4ufer-Leasingnehmer. Demnach sind bei der Folgebewertung von Leasingve<span class=\"_ _5\"></span>rbindlichkeiten im Rahmen eines SLB die zu Lauf-<span class=\"_ _128\"> </span>zeitbeginn erwarteten Zahlungen so zu bestimmen, dass<span class=\"_ _5\"></span> eine Gewinnrealisierung in Bezug auf das zur\u00fcckbehaltene Nutzungsrecht<span class=\"_ _128\"> </span>ausgeschlossen ist. In j<span class=\"_ _0\"></span>eder Periode wird die Leasingverbindlichkeit, um die jeweils zugrun<span class=\"_ _0\"></span>de gelegten erwarteten Zahlungen<span class=\"_ _128\"> </span>reduziert und die Differenz zu d<span class=\"_ _0\"></span>en tats\u00e4chlichen Za<span class=\"_ _0\"></span>hlungen erfolgswirksam erfasst.  Die \u00c4nderung sind<span class=\"_ _0\"></span> erstmalig verpflich-<span class=\"_ _128\"> </span>tend f\u00fcr Gesch\u00e4ftsjahre an<span class=\"_ _0\"></span>zuwenden, die am oder nach d<span class=\"_ _0\"></span>em 1. Januar 2024 beginnen. Es ergeben sich dar<span class=\"_ _0\"></span>aus keine wesent-<span class=\"_ _128\"> </span>lichen Auswirkungen au<span class=\"_ _0\"></span>f den Konzerna<span class=\"_ _0\"></span>bschluss der Oberbank AG, da in der Regel keine Sale<span class=\"_ _0\"></span>-and<span class=\"_ _0\"></span>-Leaseback-Vereinbarun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span>mit variablen Leasingzahlun<span class=\"_ _0\"></span>gen abgeschlossen werden.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-383": {
   "value": "Folgende Tabelle zeigt neu ver\u00f6ffentlichte b<span class=\"_ _0\"></span>zw. ge\u00e4nderte Standards und Interp<span class=\"_ _0\"></span>retationen zum Bilanzstichtag, die in der <span class=\"_ _1\"></span> Berichtsperiode erstmalig zur<span class=\"_ _0\"></span> Anwendung kamen. <span class=\"_ _7\"> </span> Standard/Interpretation <span class=\"_ _13\"> </span>Bezeichnung <span class=\"_ _14\"> </span>Anzuwenden f\u00fcr <span class=\"_ _15\"> </span>Von EU bereits <span class=\"_ _16\"> </span> <span class=\"_ _17\"> </span>Gesch\u00e4ftsjahre ab <span class=\"_ _d\"> </span>\u00fcb<span class=\"_ _5\"></span>ernommen<span class=\"_ _128\"> </span>J\u00e4hrliche Verbesserungen an<span class=\"_ _0\"></span> <span class=\"_ _18\"> </span>Zyklus 2018 - <span class=\"ls2\">2020</span> <span class=\"_ _19\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> den IFRS <span class=\"_ _1b\"> </span> <span class=\"_ _1c\"> </span> <span class=\"_ _1d\"> </span> \u00c4nderungen zu IFRS 3 <span class=\"_ _1e\"> </span>Verweis auf das Rahmenkon<span class=\"_ _0\"></span>zept <span class=\"_ _1f\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _12\"></span> \u00c4nderungen zu IFRS 16 <span class=\"_ _20\"> </span>Ertr\u00e4ge vor Erreichen des betriebsbereiten Zust<span class=\"_ _0\"></span>ands <span class=\"_ _21\"> </span>1.4.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _12\"></span> \u00c4nderungen zu IAS 37 <span class=\"_ _22\"> </span>Umfang der Erf\u00fcllungsko<span class=\"_ _0\"></span>sten bei belastenden Vertr\u00e4gen<span class=\"_ _0\"></span> <span class=\"_ _3\"> </span>1.1.2022 <span class=\"_ _1a\"> </span><span class=\"ls1a\">Ja</span> Die n\u00e4chste Tab<span class=\"_ _0\"></span>elle zeigt ver\u00f6ffentlichte bzw. ge\u00e4nderte Standards <span class=\"_ _0\"></span>und Interpretationen zum Bilanzsti<span class=\"_ _0\"></span>cht<span class=\"_ _0\"></span>ag, die vollst\u00e4ndig<span class=\"_ _128\"> </span>durch das IASB bzw. teilweise dur<span class=\"_ _0\"></span>ch das EU<span class=\"_ _0\"></span>-Endorsementverfahren in Kraft getreten, aber noch n<span class=\"_ _0\"></span>icht verpflichtend <span class=\"_ _0\"></span> anzuwenden sind. Diese wur<span class=\"_ _0\"></span>den im vorliegenden Konzernabschluss n<span class=\"_ _0\"></span>icht angewandt. Eine fr\u00fchzeitige Anwendung ist<span class=\"_ _0\"></span> derzeit<span class=\"_ _128\"> </span>nicht geplant.<span class=\"_ _128\"> </span>Standard/Interpretation <span class=\"_ _13\"> </span>Bezeichnung <span class=\"_ _14\"> </span>Anzuwenden f\u00fcr<span class=\"ls1\">    </span>Von EU <span class=\"_ _5\"></span>bereits <span class=\"_ _16\"> </span> <span class=\"_ _17\"> </span>Gesch\u00e4ftsjahre ab    <span class=\"_ _0\"></span>\u00fcbernommen<span class=\"_ _128\"> </span>\u00c4nderungen zu IAS 1 <span class=\"_ _23\"> </span>Klassifizierung von Schulden a<span class=\"_ _0\"></span>ls kurz- oder langfristig <span class=\"_ _c\"> </span>1.1.2023 <span class=\"_ _24\"> </span>Nein <span class=\"_ _25\"> </span> \u00c4nderungen zu IAS 1 <span class=\"_ _23\"> </span>Angaben zu Rechnungslegun<span class=\"_ _0\"></span>gsmethoden  <span class=\"_ _26\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> <span class=\"_ _13\"> </span> \u00c4nderungen zu IAS 8 <span class=\"_ _23\"> </span>Definition von rechnun<span class=\"_ _0\"></span>gslegungsbezogenen <span class=\"_ _28\"> </span> 1.1.2023 <span class=\"_ _29\"> </span><span class=\"ls1a\">Ja</span>  <span class=\"_ _16\"> </span>Sch\u00e4tzungen <span class=\"_ _2a\"> </span> \u00c4nderungen zu IAS 12 <span class=\"_ _22\"> </span>Ansatz f\u00fcr latente Steuern b<span class=\"_ _0\"></span>ei erstmaligem Ansatz <span class=\"_ _10\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span>  <span class=\"_ _16\"> </span>eines Verm\u00f6genswertes oder einer S<span class=\"_ _0\"></span>chuld<span class=\"_ _128\"> </span>IFRS 17 <span class=\"_ _2b\"> </span>Versicherungsvertr\u00e4ge <span class=\"_ _2c\"> </span>1.1.2023 <span class=\"_ _27\"> </span><span class=\"ls1a\">Ja</span> \u00c4nderungen IFRS 16 <span class=\"_ _2d\"> </span>Leasingverbindlichkeit bei Sale an<span class=\"_ _0\"></span>d Leaseback <span class=\"_ _2e\"> </span>1.1.2024 <span class=\"_ _24\"> </span>Nein<span class=\"_ _128\"> </span>\u00c4nderungen der Rechnungslegungsgrunds\u00e4tze 2022<span class=\"_ _1\"></span> Die <span class=\"ff5\">j\u00e4hrlichen Verbesserungen <span class=\"_ _0\"></span></span>an den IFRS bet<span class=\"_ _0\"></span>reffen \u00c4nderungen an IFRS 1, IFRS 9, IFRS 16 und<span class=\"_ _0\"></span> IAS 41. Es gibt keine we-<span class=\"_ _128\"> </span>sentlichen Auswir<span class=\"_ _0\"></span>kungen aus diesen \u00c4nderungen, die per 1. J\u00e4nner 2022 in Kraft t<span class=\"_ _0\"></span>raten, auf den Konzernabschlu<span class=\"_ _0\"></span>ss der<span class=\"_ _128\"> </span>Oberbank AG. <span class=\"fs8\"> </span>IFRS 3<span class=\"ff4\"> <span class=\"ffb\">\u201eUnternehmenszusammenschl\u00fcsse\u201c<span class=\"_ _0\"></span></span> wird d<span class=\"_ _0\"></span>ahingehend aktualisiert, dass sich die Verweise nunmehr auf d<span class=\"_ _0\"></span>as aktuelle<span class=\"_ _128\"> </span></span>Rahmenkonzept f\u00fcr d<span class=\"_ _0\"></span>ie Finanzberichterstattung 2018 und<span class=\"_ _0\"></span> nicht mehr auf das Rahmenkonzept 1989 beziehen. Die \u00c4nderun<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>gen an IFRS 3 traten<span class=\"_ _0\"></span> per 1. J\u00e4nner 2022 in Kraft. Es ergeben s<span class=\"_ _1\"></span>ich keine wesentlichen Auswirkungen auf den Konzernabschluss<span class=\"_ _128\"> </span>der Oberbank AG.<span class=\"_ _128\"> </span>Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 16 \u201eSachanlagen\u201c</span> verbieten n<span class=\"_ _0\"></span>unmehr explizit den Abzug m\u00f6glicher Nett<span class=\"_ _0\"></span>oertr\u00e4ge von den Anschaf-<span class=\"_ _128\"> </span>fungskosten einer Sachan<span class=\"_ _0\"></span>lage. Werden G\u00fcter hergestellt und ver\u00e4<span class=\"_ _0\"></span>u\u00dfert, w\u00e4hrend eine Sachanlage an d<span class=\"_ _0\"></span>en beabsichtigten<span class=\"_ _128\"> </span>Standort bzw. in den beab<span class=\"_ _0\"></span>sichtigten betriebsbereiten Zustand gebracht<span class=\"_ _0\"></span> wird, m\u00fcssen die aus der Ver\u00e4u\u00dferun<span class=\"_ _0\"></span>g dieser G\u00fcter<span class=\"_ _128\"> </span>resultierenden Ertr\u00e4ge sowie deren Herstellungsko<span class=\"_ _0\"></span>sten erfolgswirksam gem\u00e4\u00df den jewe<span class=\"_ _0\"></span>ils g\u00fclt<span class=\"_ _0\"></span>igen Standards erfasst wer-<span class=\"_ _128\"> </span>den. Die \u00c4nderungen sind ers<span class=\"_ _0\"></span>tmals in Gesch\u00e4ftsjahren anzuwenden<span class=\"_ _0\"></span>, die am oder nach dem 1. J\u00e4nner 2022 beginn<span class=\"_ _0\"></span>en. Da im<span class=\"_ _128\"> </span>Konzern keine Sachanlagen vo<span class=\"_ _0\"></span>rhanden sind, bei denen im Rahmen von<span class=\"_ _0\"></span> Testl\u00e4ufen G\u00fcter hergestellt werden, gi<span class=\"_ _1\"></span>bt es keine<span class=\"_ _128\"> </span>Auswirkungen aus diesen \u00c4nderu<span class=\"_ _0\"></span>ngen auf den Konzernabschluss der Ob<span class=\"_ _0\"></span>erbank AG.<span class=\"_ _0\"></span> Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 37 \u201eR\u00fcckstellungen und Eventualverbindlichkeiten\u201c</span> <span class=\"_ _0\"></span>konkretisieren den<span class=\"_ _0\"></span> Umfang der Erf\u00fcllungskos-<span class=\"_ _128\"> </span>ten bei belastend<span class=\"_ _0\"></span>en Vertr\u00e4gen. Als Erf\u00fcllungskosten<span class=\"_ _0\"></span> sind alle direkt zurechenbaren Kost<span class=\"_ _0\"></span>en zu ber\u00fccksichtigen.  <span class=\"_ _7\"> </span>Darunter fallen die inkr<span class=\"_ _0\"></span>ementellen Kosten der Erf\u00fcllung des Vertrags (z. B. direkt zur<span class=\"_ _0\"></span>echenbare Arbeits<span class=\"_ _0\"></span>- und M<span class=\"_ _0\"></span>aterialkosten)<span class=\"_ _128\"> </span>sowie eine Verrechnung anderer,<span class=\"_ _0\"></span> der Erf\u00fcllung des Vertrags direkt zure<span class=\"_ _0\"></span>chenb<span class=\"_ _0\"></span>are Kosten (z. B. anteilige Abschreibu<span class=\"_ _0\"></span>ng von<span class=\"_ _128\"> </span>Sachanalgen, die f\u00fcr d<span class=\"_ _0\"></span>ie Erf\u00fcllung mehrerer Vertr\u00e4ge genutzt werden). Die \u00c4nderungen an I<span class=\"_ _0\"></span>AS 37 sind auf alle Vertr\u00e4ge an-<span class=\"_ _128\"> </span>zuwenden, bei denen zum Zeitpun<span class=\"_ _0\"></span>kt des Inkrafttretens der \u00c4nderung p<span class=\"_ _0\"></span>er 1. J\u00e4nner 2022 n<span class=\"_ _0\"></span>och nicht<span class=\"_ _0\"></span> alle Verpflichtungen<span class=\"_ _128\"> </span>erf\u00fcllt wurden. Die angef\u00fchrt<span class=\"_ _0\"></span>en \u00c4nderung<span class=\"_ _0\"></span><span class=\"lsc\">en</span> hat keine Ausw<span class=\"_ _0\"></span>irkung auf den Konzernabschluss der Oberbank AG.<span class=\"_ _0\"></span><span class=\"fc3\"> </span>Die im August 2020 ver\u00f6ffent<span class=\"_ _0\"></span>lichten \u00c4nderungen zu <span class=\"_ _0\"></span><span class=\"ff5\">IFRS 9, IAS 39, IFRS 7, IFRS 4 und IFRS 16</span> (Ph<span class=\"_ _0\"></span>ase 2 der IBOR-Reform)<span class=\"_ _128\"> </span>sollen die Auswirkungen ab<span class=\"_ _0\"></span>mildern, die sich im Zeitpunkt der Abl\u00f6sung eines best<span class=\"_ _0\"></span>ehenden Referenzzinssatzes durch einen<span class=\"_ _128\"> </span>alternativen Zinssat<span class=\"_ _0\"></span>z auf die Finanzberichterstattung ergeben. Die f\u00fcr d<span class=\"_ _0\"></span>ie Oberbank AG daraus resultierenden unw<span class=\"_ _0\"></span>esentli-<span class=\"_ _128\"> </span>chen Auswirkungen<span class=\"_ _0\"></span> werden folgend dargestellt:<span class=\"_ _128\"> </span>Durch die Abl\u00f6se der Interb<span class=\"_ _0\"></span>ank Offered Rates (IBOR) durch neue risikofreie Zinss\u00e4tze wur<span class=\"_ _0\"></span>den bereits bis zum 31.12. 2021<span class=\"_ _128\"> </span>s\u00e4mtliche Marktbewertungen von D<span class=\"_ _0\"></span>erivaten von EONIA auf \u20acSTR umgestellt, sod<span class=\"_ _0\"></span>ass es im GJ 2022 aus diesem Tit<span class=\"_ _0\"></span><span class=\"ff4\">el keinen<span class=\"_ _128\"> </span></span>Umstellungseffekt mehr gab. <span class=\"_ _0\"></span> Das Ausma\u00df der von d<span class=\"_ _0\"></span>er LIBOR-Umstellung im GJ 2022 au<span class=\"_ _0\"></span>f neue Referenzwerte betroffenen<span class=\"_ _0\"></span> umgestellten Volumina belief<span class=\"_ _128\"> </span>sich in der Oberbank AG auf folgende Betr<span class=\"_ _0\"></span>\u00e4ge:<table class=\"s w2ad h162\" id=\"_29276587-ad78-4acd-9044-bfbbe776eef1\"><tr><td class=\"c x1bc y1122 w57 h5a\"><div class=\"t m0 x90 h5b y34a ffb fs4 fc2 sc0 ls0 ws0\">in Tsd. \u20ac <span class=\"ff5\"> </span></div></td><td class=\"c x1bd y1122 w58 h5a\"><div class=\"t m0 x87 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">CHF-LIBOR </div></td><td class=\"c x1be y1122 w59 h5a\"><div class=\"t m0 x70 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">JPY-LIBOR </div></td><td class=\"c x1bf y1122 w58 h5a\"><div class=\"t m0 x87 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">GBP-LIBOR </div></td></tr><tr><td class=\"c x1bc y1123 w57 h5a\"><div class=\"t m0 x90 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">Forderungen an Kun<span class=\"_ _5\"></span>den </div></td><td class=\"c x1bd y1123 w58 h5a\"><div class=\"t m0 x8c h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">22.252 </div></td><td class=\"c x1be y1123 w59 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x1bf y1123 w58 h5a\"><div class=\"t m0 x4a h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y1124 w57 h5a\"><div class=\"t m0 x90 h5b y34a ff5 fs4 fc2 sc0 ls0 ws0\">Verbindlichkeit<span class=\"_ _5\"></span>en gegen\u00fcber Ku<span class=\"_ _5\"></span>nden </div></td><td class=\"c x1bd y1124 w58 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">669<span class=\"ls0\"> </span></div></td><td class=\"c x1be y1124 w59 h5a\"><div class=\"t m0 x37 h17 y34a ff4 fs4 fc2 sc0 ls1b ws0\">106<span class=\"ls0\"> </span></div></td><td class=\"c x1bf y1124 w58 h5a\"><div class=\"t m0 x4a h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1 </div></td></tr></table>Per Juni 2023 erfolgen noch d<span class=\"_ _0\"></span>ie Umstellungen der USD<span class=\"_ _0\"></span>-Referenzwerte, wobei das Volumen der USD<span class=\"_ _0\"></span>-Forderun<span class=\"_ _0\"></span>gen zum 31.<span class=\"_ _128\"> </span>Dezember 2022 umgerechnet 8.706 Tsd<span class=\"_ _0\"></span>. Euro und das <span class=\"_ _0\"></span>Volumen der USD<span class=\"_ _0\"></span>-Verbindlichkeiten umgerechnet 2.037 Tsd. E<span class=\"_ _0\"></span>uro<span class=\"_ _128\"> </span>betr\u00e4gt.<span class=\"_ _128\"> </span>K\u00fcnftige \u00c4nderungen von Rechnungslegungsgrunds\u00e4tzen<span class=\"_ _1\"></span> Die \u00c4nderungen zu <span class=\"_ _0\"></span><span class=\"ffb\">IAS 1 \u201eDarstellung des Abschlusses\u201c<span class=\"_ _0\"></span></span> betreffen den Ausweis von Schuld<span class=\"_ _0\"></span>en als kurz- oder langfristig in der<span class=\"_ _128\"> </span>Bilanz und nicht d<span class=\"_ _0\"></span>ie H\u00f6he oder den Zeitpunkt der Erfassung von Verm\u00f6genswerten, Verb<span class=\"_ _0\"></span>indlichkeiten, Ertr\u00e4gen oder Auf-<span class=\"_ _128\"> </span>wendungen oder die Infor<span class=\"_ _0\"></span>mationen, die \u00fcber diese Posten anzugeben sind<span class=\"_ _1\"></span>. Dar\u00fcber hinaus wird mit den \u00c4nderungen zu<span class=\"_ _0\"></span><span class=\"ff5\"> IAS<span class=\"_ _128\"> </span></span>1 <span class=\"ff4 ls6\">und</span><span class=\"ls0\"> IAS 8<span class=\"ff4\"> <span class=\"ff9\">(\u201eBilanzierungs</span>- <span class=\"ff9\">und Bewertungsmeth<span class=\"_ _0\"></span>oden, \u00c4nderungen von Sch\u00e4tzungen und<span class=\"_ _0\"></span> Fehlern\u201c) konkretisiert, in wel-<span class=\"_ _128\"> </span></span></span></span>chem Umfang Bilanzierungs- u<span class=\"_ _0\"></span>nd Bewertungsmeth<span class=\"_ _0\"></span>oden im IFRS-Anhan<span class=\"_ _0\"></span>g erl\u00e4utert werden m\u00fcssen. Es <span class=\"_ _0\"></span>wird ein einheitlicher<span class=\"_ _128\"> </span>und genauer umrissener Wesent<span class=\"_ _0\"></span>lichkeitsbegriff von Abschlussinformationen geschaffen, d<span class=\"_ _0\"></span>er eine Harmonisierung vom Rah-<span class=\"_ _128\"> </span>menkonzept f\u00fcr die Finanzb<span class=\"_ _0\"></span>erichterstattung, IAS 1 und IAS 8 sowie dem IFRS<span class=\"_ _0\"></span>-<span class=\"ff9\">Leitliniend<span class=\"_ _0\"></span>okument \u201eF\u00e4llen von<span class=\"_ _0\"></span> Wesentlich-<span class=\"_ _128\"> </span></span>k<span class=\"ff9\">eitsentscheidungen\u201c h<span class=\"_ _0\"></span>erbeif\u00fchren soll. Die \u00c4nderungen tret<span class=\"_ _0\"></span>en per 1. J\u00e4nner 2023 in Kraft. Es ergeben sich daraus <span class=\"_ _0\"></span>keine<span class=\"_ _128\"> </span></span>wesentlichen Ausw<span class=\"_ _0\"></span>irkungen auf den Konzernabschluss der Oberbank A<span class=\"_ _0\"></span>G.<span class=\"_ _128\"> </span>Die \u00c4nderungen an <span class=\"_ _0\"></span><span class=\"ffb\">IAS 12 \u201eLatente Steuern\u201c</span> schr\u00e4nken<span class=\"_ _0\"></span> den Anwendungsb<span class=\"_ _0\"></span>ereich der Ausnahmeregelung zum erstmaligen<span class=\"_ _128\"> </span>Ansatz von latenten Steu<span class=\"_ _0\"></span>ern (\u201einitial recognition exemption<span class=\"_ _0\"></span>\u201c) ein. Die Ausnahmeregelung soll keine Anw<span class=\"_ _0\"></span>endung auf Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsvorf\u00e4lle finden,<span class=\"_ _0\"></span> die gleichzeitig zu steuerpflichtigen und abzugsf\u00e4higen tempo<span class=\"_ _0\"></span>r\u00e4ren Differen<span class=\"_ _0\"></span>zen in gleicher H\u00f6he f\u00fch-<span class=\"_ _128\"> </span>ren. Es werden keine wesent<span class=\"_ _0\"></span>lichen Auswirkungen auf k\u00fcnftige Konzern<span class=\"_ _0\"></span>abschl\u00fcsse der Oberbank AG erwartet<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> IFRS 17 \u201eVersicherungsvertr\u00e4ge\u201c<span class=\"_ _0\"></span><span class=\"ff4\"> regelt die Grunds\u00e4tze in Bezug au<span class=\"_ _0\"></span>f die Identifikation, den Ansatz, d<span class=\"_ _0\"></span>ie Bewertung, den Aus-<span class=\"_ _128\"> </span></span>weis <span class=\"ff9\">sowie die Anh<span class=\"_ _0\"></span>angangaben f\u00fcr Versicherungsvertr\u00e4ge und ersetzt ab<span class=\"_ _0\"></span> 1. J\u00e4nner 2023 den IFRS 4 \u201eVersicherungsvertr<span class=\"_ _0\"></span>\u00e4ge\u201c.<span class=\"_ _128\"> </span></span>Diese \u00c4nderung f\u00fchrt f\u00fc<span class=\"_ _0\"></span>r die Oberbank AG zu keinen wesentlichen Ausw<span class=\"_ _0\"></span>irkungen. <span class=\"_ _7\"> </span> IFRS 16 \u201eLeasingverbindlichkeiten bei Sale and Leas<span class=\"_ _0\"></span>eback\u201c<span class=\"_ _0\"></span><span class=\"ff5\"> </span>Di<span class=\"ls0\">e \u00c4nderung beinhaltet Vorgaben f\u00fcr die Folgebewe<span class=\"_ _5\"></span>rtung von Leasingverh\u00e4ltnissen im Rahmen eines Sale<span class=\"_ _0\"></span>-and-Leaseback (SLB) f\u00fcr<span class=\"_ _128\"> </span></span>Verk\u00e4ufer-Leasingnehmer. Demnach sind bei der Folgebewertung von Leasingve<span class=\"_ _5\"></span>rbindlichkeiten im Rahmen eines SLB die zu Lauf-<span class=\"_ _128\"> </span>zeitbeginn erwarteten Zahlungen so zu bestimmen, dass<span class=\"_ _5\"></span> eine Gewinnrealisierung in Bezug auf das zur\u00fcckbehaltene Nutzungsrecht<span class=\"_ _128\"> </span>ausgeschlossen ist. In j<span class=\"_ _0\"></span>eder Periode wird die Leasingverbindlichkeit, um die jeweils zugrun<span class=\"_ _0\"></span>de gelegten erwarteten Zahlungen<span class=\"_ _128\"> </span>reduziert und die Differenz zu d<span class=\"_ _0\"></span>en tats\u00e4chlichen Za<span class=\"_ _0\"></span>hlungen erfolgswirksam erfasst.  Die \u00c4nderung sind<span class=\"_ _0\"></span> erstmalig verpflich-<span class=\"_ _128\"> </span>tend f\u00fcr Gesch\u00e4ftsjahre an<span class=\"_ _0\"></span>zuwenden, die am oder nach d<span class=\"_ _0\"></span>em 1. Januar 2024 beginnen. Es ergeben sich dar<span class=\"_ _0\"></span>aus keine wesent-<span class=\"_ _128\"> </span>lichen Auswirkungen au<span class=\"_ _0\"></span>f den Konzerna<span class=\"_ _0\"></span>bschluss der Oberbank AG, da in der Regel keine Sale<span class=\"_ _0\"></span>-and<span class=\"_ _0\"></span>-Leaseback-Vereinbarun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span>mit variablen Leasingzahlun<span class=\"_ _0\"></span>gen abgeschlossen werden.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "2.2) Auswirkungen der Covid<span class=\"_ _0\"></span>-<span class=\"ls2\">19</span>-Pandemie auf d<span class=\"_ _0\"></span>en Konzern<span class=\"_ _128\"> </span>Die Covid-<span class=\"ls2\">19</span>-Pandemie hat<span class=\"_ _0\"></span> in den Jahren 2020 und 2021 eine gro<span class=\"_ _0\"></span>\u00dfe Un<span class=\"_ _0\"></span>sicherheit in der Weltwirtschaft und auf d<span class=\"_ _0\"></span>en globalen<span class=\"_ _128\"> </span>M\u00e4rkten verursacht. Die von d<span class=\"_ _0\"></span>en Staaten erlassenen Vorschriften mit Ausgangsbeschr<span class=\"_ _0\"></span>\u00e4nkungen, Restaurant<span class=\"_ _1\"></span>- und Laden-<span class=\"_ _128\"> </span>schlie\u00dfungen sowie Produkt<span class=\"_ _0\"></span>ionsstillst\u00e4nden f\u00fchrten zu einem wirtschaft<span class=\"_ _0\"></span>lichen Abschwung<span class=\"_ _0\"></span> in \u00d6sterreich und Europ<span class=\"_ _0\"></span>a. In den<span class=\"_ _128\"> </span>Staaten, in denen d<span class=\"_ _0\"></span>ie Oberbank AG t\u00e4tig ist, wurden verschiedene Ma\u00dfn<span class=\"_ _0\"></span>ahmen eingeleitet und Hilfspakete (z.B. Staatsgaran-<span class=\"_ _128\"> </span>tien, \u00dcberbr\u00fcckungsfinan<span class=\"_ _0\"></span>zierungen, H\u00e4rtefonds f\u00fcr Selbst\u00e4ndige) geschn\u00fcrt und Stundun<span class=\"_ _0\"></span>gsprogramme einger<span class=\"_ _0\"></span>ichtet, u<span class=\"_ _0\"></span>m die<span class=\"_ _128\"> </span>Wirtschaft und Privathau<span class=\"_ _0\"></span>shalte in dieser existenzbedrohenden Krise bestm\u00f6glich zu unt<span class=\"_ _0\"></span>erst\u00fctzen. Aus diesem Grund konnt<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>das Risiko aus m\u00f6glichen Kred<span class=\"_ _0\"></span>itausf\u00e4llen bei Einzelkunden anhand<span class=\"_ _0\"></span> der in Einsatz befindlichen Risikomodelle nicht ausr<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>chend realistisch eingesch\u00e4tzt werden un<span class=\"_ _0\"></span>d es wurden mittels Management Overlay M<span class=\"_ _0\"></span>a\u00dfnahmen pauschale Risikovorsorgen<span class=\"_ _128\"> </span>f\u00fcr stark betroffene Branchen<span class=\"_ _0\"></span> gebildet. Zwischenzeitlich sind die (staat<span class=\"_ _0\"></span>lichen) F\u00f6rderma\u00dfnahmen weitestgehend ausgelaufen,<span class=\"_ _0\"></span> ohne dass sich wes<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>liche negative<span class=\"_ _128\"> </span>Auswirkungen auf die Portfolioqualit\u00e4t der Ob<span class=\"_ _0\"></span>erbank AG ergeben haben. Auf d<span class=\"_ _0\"></span>er Ebene von einzelnen Kunden haben sich<span class=\"_ _128\"> </span>Risiken in Form von R<span class=\"_ _0\"></span>atingverschlechterungen bzw. Ausf\u00e4llen, die zur Bildung von R<span class=\"_ _0\"></span>isikovorsorgen in Stufe 3 f\u00fchrten, mater<span class=\"_ _1\"></span><span class=\"ls1d\">i-<span class=\"_ _128\"> </span></span>alisiert.<span class=\"_ _128\"> </span>Nach aktueller Einsch\u00e4t<span class=\"_ _0\"></span>zung hat die Covid<span class=\"_ _0\"></span>-19 Pandemie keinen wesentlichen E<span class=\"_ _0\"></span>influss mehr auf die Kreditrisikosituation f\u00fcr<span class=\"_ _128\"> </span>den Konzernabschluss 2022 u<span class=\"_ _0\"></span>nd alle damit in Zusammenh<span class=\"_ _0\"></span>ang stehenden Management Overlay Ma\u00dfn<span class=\"_ _0\"></span>ahmen wurden been-<span class=\"_ _128\"> </span>det.<span class=\"_ _128\"> </span>Im Detail wurden fo<span class=\"_ _0\"></span>lgende Ma\u00dfnahmen aufgel\u00f6st:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Aus der Aufl\u00f6sung des kollektiven Staging f\u00fcr<span class=\"_ _0\"></span> Forderungen an Kreditnehmer in besond<span class=\"_ _0\"></span>ers stark von Covid<span class=\"_ _0\"></span>- Lock-<span class=\"_ _128\"> </span></span></span>downs betroffenen Wirtschaft<span class=\"_ _0\"></span>sbranchen (Beherbergung, G<span class=\"_ _0\"></span>astronomie, Reisebranche, Luftfahrt) result<span class=\"_ _0\"></span>iert ein Er-<span class=\"_ _128\"> </span>trag <span class=\"ff9\">von \u20ac 4,3 Mio.<span class=\"_ _0\"></span> </span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">F\u00fcr Forderungen an<span class=\"_ _0\"></span> Kreditnehmer, f\u00fcr die im Zuge einer im 1. Quartal 2021 dur<span class=\"_ _0\"></span>chgef\u00fchrten Einzelanalyse eine<span class=\"_ _128\"> </span></span></span>gro\u00dfe Unsicherheit bei der Bon<span class=\"_ _0\"></span>it\u00e4tseinstufung wegen Covid bestand, wurd<span class=\"_ _0\"></span>e ebenfalls ein kollektives Staging vorge-<span class=\"_ _128\"> </span>nommen und eine Risikovo<span class=\"_ _0\"></span>rsorge (ECL) in H\u00f6he des erwarteten Verlusts bezogen au<span class=\"_ _0\"></span>f die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>Expected-Loss) gebildet. Im laufend<span class=\"_ _0\"></span>en Monitoring 2022 konnte die Un<span class=\"_ _0\"></span>sicherheit abgekl\u00e4rt werden. Entw<span class=\"_ _0\"></span>eder die<span class=\"_ _128\"> </span>Auswirkungen waren vernachl\u00e4ssigbar<span class=\"_ _0\"></span> oder das h\u00f6here Ausfal<span class=\"_ _0\"></span>lsrisiko wurd<span class=\"_ _0\"></span>e in Form eines schlechteren Ratings<span class=\"_ _128\"> </span>beziehungsweise sogar Ausfalls beim Einzelkund<span class=\"_ _0\"></span>en konkret sichtbar. Der implizite Effekt aus der Aufl\u00f6su<span class=\"_ _0\"></span>ng des<span class=\"_ _128\"> </span>Stagingeffektes durch das b<span class=\"_ _0\"></span>eschriebene Monitoring der Kunden betrug im Jahr 2022 \u20ac 3,<span class=\"_ _0\"></span>8 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Aus der Aufl\u00f6sung des kollektiven Staging f\u00fcr<span class=\"_ _0\"></span> Forderungen an Kreditnehmer im Bereich der Immobilienprojekt<span class=\"_ _0\"></span>fi-<span class=\"_ _128\"> </span></span></span>nanzierungen mit gewerb<span class=\"_ _0\"></span>lichen Hypothekarsicherheiten resultiert ein Ertr<span class=\"_ _0\"></span>ag von ca. \u20ac 9,6 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Die R\u00fcckkehr zum urspr\u00fcnglich entw<span class=\"_ _0\"></span>ickelten Stan<span class=\"_ _0\"></span>dard-ECL-Modell bei der Verwendun<span class=\"_ _0\"></span>g von zukunftsorientierten<span class=\"_ _128\"> </span></span></span>makro\u00f6konomischen Dat<span class=\"_ _0\"></span>en (forward looking information <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> <span class=\"ff9\">FLI) f\u00fchrte zu einer E<span class=\"_ _0\"></span>CL Aufl\u00f6sung von \u20ac 10 Mio. Beim<span class=\"_ _128\"> </span></span>Standard-ECL-Mo<span class=\"_ _0\"></span>dell kommt es beim ECL-Segment Corpo<span class=\"_ _0\"></span>rates im ersten Jahr nicht zur A<span class=\"_ _0\"></span>nwendun<span class=\"_ _0\"></span>g von FLI-Fakto-<span class=\"_ _128\"> </span>ren, da die verwendet<span class=\"_ _0\"></span>en volkswirtschaftlichen Faktoren bereits im Bilanzrating angewan<span class=\"_ _0\"></span>dt werden und daher be-<span class=\"_ _128\"> </span>reits Bestandteil der progno<span class=\"_ _0\"></span>stizierten Ausfallwahrscheinlichkeit eines Kunden s<span class=\"_ _0\"></span>ind. Damit wird eine doppelte Be-<span class=\"_ _128\"> </span>r\u00fccksichtigung <span class=\"ff9\">d<span class=\"_ _0\"></span>er FLI\u2019s vermieden. </span>Im Zuge von Cov<span class=\"_ _0\"></span>id wurde jedoch die Anwendung des Bilanzrat<span class=\"_ _0\"></span>ings wegen der<span class=\"_ _128\"> </span>vorhandenen Unsicherh<span class=\"_ _0\"></span>eit an die Ausnahmesituation angepasst, sonst h\u00e4tte sich wegen des p<span class=\"_ _0\"></span>rognostizierten BIP<span class=\"_ _128\"> </span>R\u00fcckgangs das Ratin<span class=\"_ _0\"></span>g aller Kunden im Firmenkunden<span class=\"_ _0\"></span>-Portfolio pauschal verschlechtert<span class=\"_ _0\"></span>. Dies h\u00e4tte ebenso zu einer<span class=\"_ _128\"> </span>pauschalen und un<span class=\"_ _0\"></span>differenzierten Erh\u00f6hung des ECL gef\u00fchrt. Aus diesem Gru<span class=\"_ _0\"></span>nd wurde der Einsatz der Hardfact<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>Prognosen im Bilanzrating au<span class=\"_ _0\"></span>sgesetzt. Stark von Covid betroffene Kunden wurden<span class=\"_ _0\"></span> mit Hilfe <span class=\"_ _0\"></span>von Outlook Gespr\u00e4-<span class=\"_ _128\"> </span>chen identifiziert und selektiv schlechter gerat<span class=\"_ _0\"></span>et. Da es in Folge dieser Ma\u00dfn<span class=\"_ _0\"></span>ahme nicht mehr zur impliziten Be-<span class=\"_ _128\"> </span>r\u00fccksichtigung von FLI-Fakto<span class=\"_ _0\"></span>ren beim Bilanzrating kam, wurd<span class=\"_ _0\"></span>en diese im ECL Modell bei den Corpo<span class=\"_ _0\"></span>rates auch im 1.<span class=\"_ _128\"> </span>Jahr ber\u00fccksichtigt.<span class=\"_ _128\"> </span>Nur im Bereich der R\u00fcckstellungen existiert im Bereich des op<span class=\"_ _0\"></span>erationellen Risikos no<span class=\"_ _0\"></span>ch eine \u201eR\u00fcckstellung f\u00fcr drohende Ver-<span class=\"_ _128\"> </span>luste aus Zinsstundungen im Rah<span class=\"_ _0\"></span>men des Covid Moratorium\u201c in der H\u00f6<span class=\"_ _0\"></span>he von \u20ac 2,6 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>2.3) Auswirkungen des Ukraine <span class=\"_ _0\"></span>Krieges und den Fo<span class=\"_ _0\"></span>lgewirkungen auf den Konzernab<span class=\"_ _0\"></span>schluss<span class=\"_ _128\"> </span>Die Oberbank AG fin<span class=\"_ _0\"></span>anziert keine ukrainischen und russischen Unt<span class=\"_ _0\"></span>ernehmen und h\u00e4lt keine ukrainischen, russischen od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>wei\u00dfrussischen Staatsan<span class=\"_ _0\"></span>leihen und somit ist die Gesch\u00e4ftst\u00e4tigkeit der Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _0\"></span> selbst nicht direkt vom Krieg in d<span class=\"_ _0\"></span>er Uk-<span class=\"_ _128\"> </span>raine betroffen.<span class=\"_ _128\"> </span>Die nachfolgenden Ausf\u00fchr<span class=\"_ _0\"></span>ungen sollen aktualisierte Informationen und d<span class=\"_ _0\"></span>ie wesentlichen Aspekte zu den gegenw\u00e4rtigen<span class=\"_ _128\"> </span>Auswirkungen des Krieges in der Ukraine und<span class=\"_ _0\"></span> der damit einhergehenden Energiekrise, <span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>ohen Inflation und steigenden Zin-<span class=\"_ _128\"> </span>sen auf den Konzernab<span class=\"_ _0\"></span>schluss und insbesondere das Kreditrisiko der Ob<span class=\"_ _0\"></span>erbank AG liefern.<span class=\"_ _0\"></span> Im 2. Halbjahr 2022 fand<span class=\"_ _0\"></span> der Konjunkturaufschwung in \u00d6st<span class=\"_ _0\"></span>erreich sein Ende und ist in eine Phase des Abschwungs \u00fc<span class=\"_ _0\"></span>berge-<span class=\"_ _128\"> </span>gangen. Dieser Tren<span class=\"_ _0\"></span>d setzte sich auch im 4. Quartal 2022 fort<span class=\"_ _0\"></span>. Grund daf\u00fcr sind die hohen Rohsto<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>- und Energiepreise in<span class=\"_ _128\"> </span>Folge des Krieges in der Ukraine sowie der d<span class=\"_ _0\"></span>araus resultierende Anstieg der Inflation, die Abschw<span class=\"_ _0\"></span>\u00e4chung der Konjunktur und<span class=\"_ _128\"> </span>der damit verbundenen<span class=\"_ _0\"></span> Warenexporte, sow<span class=\"_ _0\"></span>ie die Straffung der Geldpolitik durch die Zentralbanken.<span class=\"_ _0\"></span> Die Bundesregierung verabschiedete im 4. Qu<span class=\"_ _0\"></span>artal 2022 Ma\u00dfnah<span class=\"_ _0\"></span>men zur Abfederung der hohen Energiekosten zu<span class=\"_ _0\"></span>r Entlas-<span class=\"_ _128\"> </span>tung der B\u00fcrger und der h<span class=\"_ _0\"></span>eimischen Unternehmen (Strompreisbremse, 3. An<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>-T<span class=\"ff9\">euerungsp<span class=\"_ _0\"></span>aket, etc \u2026). </span> Die staatlichen St\u00fctzun<span class=\"_ _0\"></span>gsma\u00dfnahmen und die nach wie vor h<span class=\"_ _0\"></span>errschende Ungewissheit \u00fcber die Entwicklung und<span class=\"_ _0\"></span> Folgen des<span class=\"_ _128\"> </span>Krieges in der Ukraine f\u00fchren zu einer Verz\u00f6gerun<span class=\"_ _0\"></span>g in der Abbildung gesamtwirtschaftlicher Gr\u00f6\u00dfen in den Au<span class=\"_ _0\"></span>sfallrat<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span>Privat- und Firmenkun<span class=\"_ _0\"></span>den und erschweren dadurch die fr\u00fchzeitige Erkenn<span class=\"_ _0\"></span>ung einer potenziellen Verschlechterung d<span class=\"_ _0\"></span>er <span class=\"_ _0\"></span> Kreditqualit\u00e4t<span class=\"_ _128\"> </span>Das Wertberichtigungsmodell der Oberban<span class=\"_ _0\"></span>k AG nach IFRS9 beinhaltet unter anderem eine Anp<span class=\"_ _0\"></span>assung der Ausfallsw<span class=\"_ _0\"></span>ahr-<span class=\"_ _128\"> </span>scheinlichkeit (probab<span class=\"_ _0\"></span>ility of default - PD) zur Ber\u00fc<span class=\"_ _0\"></span>cksichtigung von zukunftsgerichteten makro\u00f6kon<span class=\"_ _0\"></span>omischen Informationen.<span class=\"_ _128\"> </span>Die FLI-Modellentwicklung wu<span class=\"_ _0\"></span>rde mit einer Zeithistorie vorgenommen, die diese wirt<span class=\"_ _0\"></span>schaftlichen Verwerfungen, staatlich<span class=\"_ _128\"> </span>gest\u00fctzten Verzerrunge<span class=\"_ _0\"></span>n und makro\u00f6konomischen E<span class=\"_ _0\"></span>xtremwerte nicht ber\u00fccksichtigt.<span class=\"_ _128\"> </span>Um der erwarteten signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung der Ausfallsrisiken Rechnung zu<span class=\"_ _0\"></span> tragen, wird f\u00fcr folgende Teilportfolios als M<span class=\"_ _0\"></span>a-<span class=\"_ _128\"> </span>nagement Overlay Ma\u00dfn<span class=\"_ _0\"></span>ahme ein kollektiver Transfer von Stufe 1 auf Stufe 2 vo<span class=\"_ _1\"></span>rgenommen. \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer Einzelanalyse eine hohe Gasabh\u00e4n<span class=\"_ _0\"></span>gigkeit festgestellt wer-<span class=\"_ _128\"> </span></span></span>den konnte. Das Risiko <span class=\"_ _0\"></span>einer neuerlich starken Verteuerung der Gasp<span class=\"_ _0\"></span>reise bzw. eines Gasstop, sowie deren Folgen<span class=\"_ _128\"> </span>k\u00f6nnen nicht au<span class=\"_ _0\"></span>sgeschlossen und nur schwer ab<span class=\"_ _0\"></span>gesch\u00e4tzt werden. Die Bildung der zus\u00e4tzlichen Vor<span class=\"_ _0\"></span>sorge erh\u00f6ht<span class=\"_ _128\"> </span>die Wertberichtigung im Lebend<span class=\"_ _0\"></span>gesch\u00e4ft um 10,5 Mio. Euro<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten, bei<span class=\"_ _128\"> </span></span></span>denen aufgrund<span class=\"_ _0\"></span> der massiven Zinsanstiege durch die EZB, sowie der vorherr<span class=\"_ _0\"></span>schenden hohen Inflation h\u00f6here Risi-<span class=\"_ _128\"> </span>ken in Bezug auf Projekt<span class=\"_ _0\"></span>fortschritt und die R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit der Kredite bestehen. Die Bildung der zus\u00e4tzli-<span class=\"_ _128\"> </span>chen Vorsorge (Lifetime Expected Loss) er<span class=\"_ _0\"></span>h\u00f6ht d<span class=\"_ _0\"></span>ie Wertberichtigung im Lebendgesch\u00e4ft um 9,6 Mio. E<span class=\"_ _0\"></span>uro<span class=\"_ _128\"> </span>Betroffenes Collective<span class=\"ff9\">\u2014</span>Staging<span class=\"_ _0\"></span> Portfolio per 31.12.2022 nach Stufent<span class=\"_ _0\"></span>ransfergr\u00fcnden in Tsd. Euro<span class=\"_ _0\"></span> <table class=\"s w2ae h163\" id=\"_a13a6998-83c5-4211-b9a3-bd96140f57df\"><tr><td class=\"c x178 y1126 w2af h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Bi<span class=\"_ _5\"></span>la<span class=\"_ _5\"></span>nzpo<span class=\"_ _5\"></span>si<span class=\"_ _5\"></span>tion<span class=\"_ _128\"> </span></div></td><td class=\"c x1c1 y1126 w2b0 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Tra<span class=\"_ _5\"></span>nsfergrund<span class=\"_ _128\"> </span></div></td><td class=\"c x1c2 y1126 w2b1 h164\"><div class=\"t m2 x177 h5e y1125 ffb fsb fc2 sc0 ls0 ws0\">Forde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ungsv<span class=\"_ _5\"></span>olumen in TSD<span class=\"_ _5\"></span> \u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x1c3 y1126 w2b2 h164\"><div class=\"t m2 x177 h5e y1125 ffb fsb fc2 sc0 ls0 ws0\">Ef<span class=\"_ _5\"></span>fekt aus Stufent<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ans<span class=\"_ _5\"></span>fer <span class=\"_ _0\"></span>in T<span class=\"_ _5\"></span>SD<span class=\"_ _5\"></span> \u20ac<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y1128 w2b3 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer Ga<span class=\"_ _0\"></span>s<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>bh\u00e4<span class=\"_ _1\"></span>ngi<span class=\"_ _0\"></span>gkei<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span></div></td><td class=\"c x1c5 y1128 w2b4 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.07<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.20<span class=\"_ _0\"></span>9<span class=\"_ _128\"> </span></div></td><td class=\"c x1c6 y1128 w2b5 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">6.74<span class=\"_ _0\"></span>8<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1c7 y1129 w5c h60\"><div class=\"t m2 x85 h5f y4be ff4 fsb fc2 sc0 ls0 ws0\">Bi<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>nzi<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>e V<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>rm\u00f6ge<span class=\"_ _5\"></span>ns<span class=\"_ _0\"></span>we<span class=\"_ _5\"></span>rte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c4 y112a w2b6 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer I<span class=\"_ _0\"></span>mm<span class=\"_ _5\"></span>obi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>i<span class=\"_ _0\"></span>enpr<span class=\"_ _0\"></span>oj<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span>kte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c8 y112a w2b7 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.87<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.11<span class=\"_ _0\"></span>6<span class=\"_ _128\"> </span></div></td><td class=\"c x1c9 y112a w2b8 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">7.94<span class=\"_ _0\"></span>8<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112b w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td class=\"c x1ca y112b w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">2.95<span class=\"_ _0\"></span>5.32<span class=\"_ _0\"></span>5<span class=\"_ _128\"> </span></div></td><td class=\"c x1cb y112b w2bb h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">14<span class=\"_ _0\"></span>.696<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112c w2b3 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer Ga<span class=\"_ _0\"></span>s<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>bh\u00e4<span class=\"_ _1\"></span>ngi<span class=\"_ _0\"></span>gkei<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span></div></td><td class=\"c x1cc y112c w2bc h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">81<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.55<span class=\"_ _0\"></span>1<span class=\"_ _128\"> </span></div></td><td class=\"c x1cd y112c w2b5 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">3.70<span class=\"_ _0\"></span>9<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1c7 y112d w5c h60\"><div class=\"t m2 x5c h5f y4be ff4 fsb fc2 sc0 ls0 ws0\">A<span class=\"_ _5\"></span>u\u00dferbi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>nzi<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span> V<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>rm\u00f6ge<span class=\"_ _5\"></span>ns<span class=\"_ _0\"></span>we<span class=\"_ _5\"></span>rte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c4 y112e w2b6 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer I<span class=\"_ _0\"></span>mm<span class=\"_ _5\"></span>obi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>i<span class=\"_ _0\"></span>enpr<span class=\"_ _0\"></span>oj<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span>kte<span class=\"_ _128\"> </span></div></td><td class=\"c x1cc y112e w2bc h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">23<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.90<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td><td class=\"c x1cd y112e w2b5 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.64<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112f w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td class=\"c x1ca y112f w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">1.04<span class=\"_ _0\"></span>5.45<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td><td class=\"c x1ce y112f w2bd h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">5.35<span class=\"_ _0\"></span>5<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1130 w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x1cf y1130 w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">4.00<span class=\"_ _0\"></span>0.78<span class=\"_ _0\"></span>2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d0 y1130 w2bb h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>.051<span class=\"_ _128\"> </span></div></td></tr></table>2.6) Ermessensen<span class=\"_ _0\"></span>tscheidungen, Annahmen und Sch\u00e4tzung<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Im vorliegenden Konzernab<span class=\"_ _0\"></span>schluss sind Werte enthalten, deren H\u00f6he durch Ermessensent<span class=\"_ _0\"></span>scheidungen, Annah<span class=\"_ _0\"></span>men und <span class=\"_ _0\"></span> Sch\u00e4tzungen best<span class=\"_ _0\"></span>immt wurde. Diese Annahmen und<span class=\"_ _0\"></span> Sch\u00e4tzungen beruhen auf Erfahrungen aus der Vergan<span class=\"_ _0\"></span>genheit, auf <span class=\"_ _0\"></span> Planungen und auf n<span class=\"_ _0\"></span>ach heutigem Ermessen wahrscheinlichen Progn<span class=\"_ _0\"></span>osen f\u00fcr das Eintreten k\u00fcnftiger Ereignisse.<span class=\"_ _1\"></span> Die Ermessensentscheidun<span class=\"_ _0\"></span>gen, Annahmen und Sch\u00e4<span class=\"_ _0\"></span>tzungen betreffen im vor<span class=\"_ _0\"></span>liegenden Konzernabschluss im Wesentlichen<span class=\"_ _128\"> </span>folgende Sachverhalte: <span class=\"_ _7\"> </span> Risikovorsorgen<span class=\"_ _128\"> </span>Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch die Struktur der Qualit<span class=\"_ _0\"></span>\u00e4t des Kreditportfo<span class=\"_ _0\"></span>lios bestimmt. Dar\u00fcber hinaus ist es f\u00fcr die Ermittlung des Wert<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>minderungsaufwands erforderlich, H\u00f6h<span class=\"_ _0\"></span>e und Zeitpunkt zu<span class=\"_ _0\"></span>k\u00fcnftige<span class=\"_ _5\"></span>r Zahlungsstr\u00f6me zu sch\u00e4t<span class=\"_ _0\"></span>zen. N\u00e4here Details sind<span class=\"_ _128\"> </span>unter 2.8) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e und Verpflichtungen sowie S<span class=\"_ _0\"></span>icherungsbeziehungen s<span class=\"_ _0\"></span>owie im Risikobericht in <span class=\"_ _0\"></span> Note 43 ff (Kreditrisiko) enthalten.<span class=\"_ _0\"></span> Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span>Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span>aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span>steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span>Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> Wertminderungen b<span class=\"_ _0\"></span>ei Anteilen an at Equity<span class=\"_ _0\"></span>-Unternehmen<span class=\"_ _128\"> </span>Wenn objektive Hinweise auf eine Wertmind<span class=\"_ _0\"></span>erung bei einem Anteil an at Equity<span class=\"_ _0\"></span>-U<span class=\"_ _0\"></span>nternehmen vorliegen, wird auf Basis<span class=\"_ _128\"> </span>gesch\u00e4tzter zuk\u00fcn<span class=\"_ _0\"></span>ftiger Zahlungsstr\u00f6me der erzielbare Betrag ermittelt (siehe auch No<span class=\"_ _0\"></span>te 2.10). Der Pr\u00fcfungsanlass ist  <span class=\"_ _0\"></span> gegeben, wenn entwed<span class=\"_ _0\"></span>er der Marktwert um mindestens 20 % unter die An<span class=\"_ _0\"></span>schaffungskosten sinkt oder wenn der Markt-<span class=\"_ _128\"> </span>wert dauerhaft mindest<span class=\"_ _0\"></span>ens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von neun Monaten unter den Anschaffungskosten liegt. D<span class=\"_ _0\"></span>etails zu den<span class=\"_ _128\"> </span>Buchwerten von Ant<span class=\"_ _0\"></span>eilen an at Equity-Unt<span class=\"_ _0\"></span>ernehmen werden in Note 17 (Finanzanlagen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span>Wertminderung b<span class=\"_ _0\"></span>ei Schuldtiteln<span class=\"_ _128\"> </span>Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass bei Schuldtiteln ist gegeben, wenn d<span class=\"_ _0\"></span>er Marktwert um mindestens 20 % unter d<span class=\"_ _0\"></span>ie Anschaffungskosten sinkt u<span class=\"_ _0\"></span>nd dies dauerhaft \u00fcber einen Zeitraum von<span class=\"_ _0\"></span> neun Monaten der Fall ist.<span class=\"_ _0\"></span> Zu jedem Bilanzstichtag w<span class=\"_ _0\"></span>ird gepr\u00fcft, ob ein Ereignis eingetreten <span class=\"_ _0\"></span>ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungs-<span class=\"_ _128\"> </span>str\u00f6me hat und sich verl\u00e4sslich ermitteln l\u00e4sst<span class=\"_ _0\"></span>. Wird festgestellt, dass eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten<span class=\"_ _128\"> </span>innerhalb der geplant<span class=\"_ _0\"></span>en Behaltefrist nicht zu erwarten ist, liegt Impairment vor.<span class=\"_ _0\"></span> Nutzungsdauern<span class=\"_ _0\"></span> beim Anlageverm\u00f6gen<span class=\"_ _128\"> </span>Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng von Sachanlagen und immateriellen Verm\u00f6gensgegenst\u00e4n<span class=\"_ _0\"></span>den erfolgt linear auf Basis d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauern. Details zu den Buchwerten w<span class=\"_ _0\"></span>erden in Note 18 (Immaterielles An<span class=\"_ _0\"></span>lageverm\u00f6gen) und<span class=\"_ _128\"> </span>Note 19 (Sachanlagen) dar<span class=\"_ _0\"></span>gestellt.<span class=\"_ _128\"> </span>Steuerabgrenzung<span class=\"_ _128\"> </span>Die Berechnung erfolgt bei jedem Steuersu<span class=\"_ _0\"></span>bjekt zu den Steuers\u00e4tzen, d<span class=\"_ _0\"></span>ie erwartungsgem\u00e4\u00df in dem Besteuerungszeit-<span class=\"_ _128\"> </span>raum angewandt<span class=\"_ _0\"></span> werden, in dem sich die Steuerlatenz umkehrt. F\u00fcr Verlust<span class=\"_ _0\"></span>vortr\u00e4ge werd<span class=\"_ _0\"></span>en aktive latente Steuern nur angesetzt, wenn es wahr<span class=\"_ _0\"></span>scheinlich ist, dass in Zukunft mit steuerbaren Gewinnen in<span class=\"_ _0\"></span> entsprechender H\u00f6he zu rechnen<span class=\"_ _128\"> </span>ist. Angaben zu den latent<span class=\"_ _0\"></span>en Steuern sind in Note 21 (Sonstige Aktiva) dargestellt.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> Personalr\u00fcckstellungen<span class=\"_ _128\"> </span>Diese werden auf Basis von v<span class=\"_ _0\"></span>ersicherungsmathematischen Gutachten ermitt<span class=\"_ _0\"></span>elt. Dabei werden neben den bekannten <span class=\"_ _1\"></span> Renten und erworb<span class=\"_ _0\"></span>enen Anwartschaften auch die zuk\u00fcn<span class=\"_ _0\"></span>ftig zu erwartenden Erh\u00f6hungen an Geh\u00e4ltern und Renten <span class=\"_ _0\"></span> einbezogen. In Note 25 (R\u00fc<span class=\"_ _0\"></span>ckstellungen) werden die wesent<span class=\"_ _0\"></span>lichen versicherungsmathematischen A<span class=\"_ _0\"></span>nnahmen sowie eine<span class=\"_ _128\"> </span>Sensitivit\u00e4tsanalyse bei \u00c4nd<span class=\"_ _0\"></span>erung ma\u00dfgeblicher versicherungsmathematischer Annah<span class=\"_ _0\"></span>men angegeben.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> R\u00fcckstellungen<span class=\"_ _128\"> </span>Bei der Bemessung von R\u00fc<span class=\"_ _0\"></span>ckstellungen sind Sch\u00e4tzungen bez\u00fcglich der H\u00f6<span class=\"_ _0\"></span>he und der F\u00e4lligkeit vo<span class=\"_ _0\"></span>n zuk\u00fcnftigen Zahlungsstr\u00f6men erforderlich. Det<span class=\"_ _0\"></span>ails werden in Note 25 (R\u00fcckstellungen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span> <span class=\"_ _7\"> </span> Rechtsstreitigkeiten der 3 Banken mit der UniCredit Bank Au<span class=\"_ _0\"></span>stria AG und der CABO Beteiligungsgesellschaft m.<span class=\"_ _0\"></span>b.H.:<span class=\"_ _1\"></span> Die UniCredit Ban<span class=\"_ _0\"></span>k Austria AG und die CABO Beteiligungsgesellschaft m.b<span class=\"_ _0\"></span>.H. (gemeinsam kurz: UniCredit) h<span class=\"_ _0\"></span>aben in der<span class=\"_ _128\"> </span>Hauptversammlung der Oberb<span class=\"_ _0\"></span>ank im Mai 2019 den Antrag gestellt, einen<span class=\"_ _0\"></span> dritten ihnen zuzurechnenden V<span class=\"_ _0\"></span>ertreter in den<span class=\"_ _128\"> </span>Aufsichtsrat der Oberban<span class=\"_ _0\"></span>k zu w\u00e4hlen. Dieser Antrag fan<span class=\"_ _0\"></span>d keine Zustimmung. Die UniCredit hat in der Folge eine Klage auf<span class=\"_ _128\"> </span>Anfechtung einzelner Hauptversammlungsbeschl\u00fc<span class=\"_ _0\"></span>sse erhoben. Das diesbez\u00fcgliche Verfahren<span class=\"_ _0\"></span> wurde am 20. Dezember 2019<span class=\"_ _128\"> </span>geschlossen. Nachdem das Landesgericht Linz s\u00e4mtliche<span class=\"_ _0\"></span> Klagebegehren der Un<span class=\"_ _0\"></span>iCredit negativ beschieden hatte, h<span class=\"_ _0\"></span>at das OLG Linz diese<span class=\"_ _128\"> </span>Entscheidung insofern revidiert, als d<span class=\"_ _0\"></span>ie von der Hauptversammlung im Mai 2019 beschlossen<span class=\"_ _0\"></span>e Reduktion der <span class=\"_ _0\"></span> KapitalvertreterInnen von zw\u00f6<span class=\"_ _0\"></span>lf auf elf f\u00fcr nichtig erkl\u00e4rt wurde. Dem F<span class=\"_ _0\"></span>eststellungbegehren d<span class=\"_ _0\"></span>er UniCredit auf Wahl des von<span class=\"_ _128\"> </span>ihr nominierten Kandidat<span class=\"_ _0\"></span>en wurde jedoch nicht stattgegeben. Dieses Urteil ist in<span class=\"_ _0\"></span>zwischen rechtskr\u00e4ftig. Es h<span class=\"_ _0\"></span>at abgesehen<span class=\"_ _128\"> </span>von der best\u00e4tigten Nichtw<span class=\"_ _0\"></span>ahl des von UniCredit beantragten Kandidaten keine weitere<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span> rechtlichen Auswirkungen. Rele-<span class=\"_ _128\"> </span>vante bilanzielle Auswirkungen dieses Verfahr<span class=\"_ _0\"></span>ens sind nicht erkennbar.<span class=\"_ _0\"></span> Ende Dezember 2019 hat<span class=\"_ _0\"></span> die UniCredit die Einberufung einer au\u00dferordent<span class=\"_ _0\"></span>lichen Hauptversammlung der Aktion\u00e4rInnen der<span class=\"_ _128\"> </span>Oberbank AG beantragt,<span class=\"_ _0\"></span> die am 4. Februar<span class=\"_ _0\"></span> 2020 stattfand. Die Antr\u00e4ge der UniCredit (Sond<span class=\"_ _0\"></span>erpr\u00fcfung der Oberbank<span class=\"_ _0\"></span>-Kapital-<span class=\"_ _128\"> </span>erh\u00f6hungen seit 1989, Beendigun<span class=\"_ _0\"></span>g eines Schiedsverfahrens mit der G<span class=\"_ _0\"></span>enerali<span class=\"_ _0\"></span>-3 Banken-Holding) fanden<span class=\"_ _0\"></span> keine Zustimmung.<span class=\"_ _128\"> </span>Auch in der ordentlichen Hau<span class=\"_ _0\"></span>ptversammlung am 20. Mai 2020<span class=\"_ _0\"></span> stellte die UniCredit Antr<span class=\"_ _0\"></span>\u00e4ge auf Durchf\u00fchrung von <span class=\"_ _0\"></span> Sonderpr\u00fcfungen, die jedo<span class=\"_ _0\"></span>ch keine Mehrheit fanden. Die UniCredit hat einerseits An<span class=\"_ _0\"></span>fechtungsklage gegen diese Beschl\u00fcsse<span class=\"_ _128\"> </span>eingebracht. Andererseits hat sie bez\u00fcglich des Antrags a<span class=\"_ _0\"></span>uf Sonderpr\u00fcfung aus der a<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>\u00dferordentlichen Hauptversammlung<span class=\"_ _128\"> </span>2020 im Zusammenhang mit d<span class=\"_ _0\"></span>en Kapitalerh\u00f6hungen der BKS Bank AG <span class=\"_ _0\"></span>(kurz: BKS) beziehungsweise der Bank f\u00fcr<span class=\"_ _0\"></span> Tirol und<span class=\"_ _128\"> </span>Vorarlberg AG (kurz: BTV) im Jahr 2018 u<span class=\"_ _0\"></span>nd bez\u00fcglich einiger abgelehnter Sond<span class=\"_ _0\"></span>erpr\u00fcfungsthemen aus der ordent<span class=\"_ _1\"></span>lichen<span class=\"_ _128\"> </span>Hauptversammlung 2020 einen gerichtlichen An<span class=\"_ _0\"></span>trag auf Sonderpr\u00fcfun<span class=\"_ _0\"></span>g gestellt.<span class=\"_ _128\"> </span>Der von UniCredit gestellte gerichtliche Ant<span class=\"_ _0\"></span>rag auf Sonderpr\u00fcfung w<span class=\"_ _0\"></span>urde vom Landesgericht Linz teilweise abgewiesen und<span class=\"_ _0\"></span> hinsichtlich der \u00fcbrigen Themen das<span class=\"_ _0\"></span> Verfahren bis zu<span class=\"_ _0\"></span>r Erledigung des anh\u00e4ngigen Zivilprozesses betreffend<span class=\"_ _0\"></span> die Anfechtungs-<span class=\"_ _128\"> </span>klage gegen Beschl\u00fcsse der ordentlichen Haup<span class=\"_ _0\"></span>tversammlung 2020 unt<span class=\"_ _0\"></span>erbrochen.<span class=\"_ _128\"> </span>Die Anfechtungsverfahren wu<span class=\"_ _0\"></span>rden bis zur Kl\u00e4rung \u00fcbernahmerechtlicher Vo<span class=\"_ _0\"></span>rfragen unterbrochen.<span class=\"_ _0\"></span> Die UniCredit hat End<span class=\"_ _0\"></span>e Februar 2020 Antr\u00e4ge bei der \u00dcbernahmekommission gestellt, mit denen \u00fcb<span class=\"_ _0\"></span>erpr\u00fcft werden soll, ob<span class=\"_ _128\"> </span>die bei den 3 Banken b<span class=\"_ _0\"></span>estehenden Aktion\u00e4rssyndikate eine \u00fcbernahmerechtliche An<span class=\"_ _0\"></span>gebotspflicht verletzt haben. Die<span class=\"_ _128\"> </span>Oberbank AG ist von d<span class=\"_ _0\"></span>iesen Verfahren als Mitglied d<span class=\"_ _0\"></span>er Syndikate bei der BTV und b<span class=\"_ _0\"></span>ei der BKS unmittelbar betroffen. Die<span class=\"_ _128\"> </span>Syndikate der BTV und BKS w<span class=\"_ _0\"></span>urden mit nach wie vor g\u00fcltigen Bescheiden der \u00dcbern<span class=\"_ _0\"></span>ahmekommission aus dem Jahr 2003<span class=\"_ _128\"> </span>genehmigt. Die UniCredit erhebt d<span class=\"_ _0\"></span>en Einwand, dass sich<span class=\"_ _0\"></span> seitdem die Zusammensetzung u<span class=\"_ _0\"></span>nd Willensbildung der Syndikate<span class=\"_ _128\"> </span>ver\u00e4ndert sowie diese insgesamt seit d<span class=\"_ _0\"></span>em Jahr 2003 ihr Stimmgewicht in \u00fcb<span class=\"_ _0\"></span>ernahmerechtlich relevanter Weise ausgebaut<span class=\"_ _128\"> </span>h\u00e4tten und dadurch eine Angebo<span class=\"_ _0\"></span>tspflicht ausgel\u00f6st worden<span class=\"_ _0\"></span> w\u00e4re.<span class=\"_ _128\"> </span>Dazu haben zwischen<span class=\"_ _0\"></span> dem 27. September 2020 und<span class=\"_ _0\"></span> dem 1. Oktober 2020 drei Verhandlu<span class=\"_ _0\"></span>ngstage mit umfangreichen Zeu-<span class=\"_ _128\"> </span>geneinvernahmen vor der \u00dcbernahmekommission<span class=\"_ _0\"></span> stattgefunden. Die Ent<span class=\"_ _0\"></span>scheidung steht nach wie vor aus.<span class=\"_ _0\"></span> Der Vorstand geht nach<span class=\"_ _0\"></span> sorgf\u00e4ltiger Pr\u00fcfung unter Beiziehung<span class=\"_ _0\"></span> externer Expert<span class=\"_ _0\"></span>en davon aus, dass diese \u00fcbernahmerechtliche<span class=\"_ _128\"> </span>Pr\u00fcfung zu keiner Angebotsp<span class=\"_ _0\"></span>flicht f\u00fchren wird.<span class=\"_ _128\"> </span>Gegen die Beschl\u00fcsse der Hauptv<span class=\"_ _0\"></span>ersammlung vom 11. Mai 2021 wurden kein<span class=\"_ _0\"></span>e Anfechtungen erhoben<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Gegen die Beschl\u00fcsse der Hauptv<span class=\"_ _0\"></span>ersammlung vom 17. Mai <span class=\"_ _0\"></span>2022 wurden keine An<span class=\"_ _0\"></span>fechtungen erhoben.<span class=\"_ _128\"> </span>Ende Juni 2021 h<span class=\"_ _0\"></span>at UniCredit neue Unterlassungs<span class=\"_ _0\"></span>- und Feststellungsklagen b<span class=\"_ _0\"></span>eim Landesgericht Linz eingebracht<span class=\"_ _0\"></span>. Im Wesent-<span class=\"_ _128\"> </span>lichen geht es um die Feststellung, d<span class=\"_ _0\"></span>ass die Beschl\u00fcsse des Vorstan<span class=\"_ _0\"></span>ds der Oberbank AG auf Durchf\u00fc<span class=\"_ _1\"></span>hrung der letzten 4 Kapi-<span class=\"_ _128\"> </span>talerh\u00f6hungen der Oberban<span class=\"_ _0\"></span>k AG und die Beschl\u00fcsse zur Leistung von Zusch\u00fcssen<span class=\"_ _0\"></span> an die Generali 3Banken Holding AG f\u00fcr<span class=\"_ _128\"> </span>die Kapitalerh\u00f6hun<span class=\"_ _0\"></span>gen der 3 Banken nichtig seien, und dass es der Vorstand in<span class=\"_ _0\"></span> Zukunft unterlassen solle, derartige Z<span class=\"_ _1\"></span><span class=\"ls6\">u-<span class=\"_ _128\"> </span></span>sch\u00fcsse zu leisten oder A<span class=\"_ _0\"></span>ktion\u00e4ren, die mit der Oberbank AG wechselseitig beteiligungsm\u00e4\u00dfig <span class=\"_ _0\"></span>verbunden sind, Aktien im<span class=\"_ _128\"> </span>Zuge von Kapitalerh\u00f6hun<span class=\"_ _0\"></span>gen zuzuteilen. <span class=\"_ _7\"> </span> Seitens der UniCred<span class=\"_ _0\"></span>it wurden inhaltlich gleichartige Klagen auch gegen BKS und BT<span class=\"_ _0\"></span>V eingebracht, d<span class=\"_ _0\"></span>enen die Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _128\"> </span>jeweils als Nebenintervenientin beigetreten ist<span class=\"_ _0\"></span>. Im gegen die BTV gef\u00fchrten Verfahr<span class=\"_ _0\"></span>en wurde die Klage bereits erst<span class=\"_ _0\"></span>- <span class=\"ls6\">und<span class=\"_ _128\"> </span></span>zweitinstanzlich vollinhaltlich abgewiesen, sod<span class=\"_ _0\"></span>ass dieses Verfahren bereits in dritter und letzter Instanz beim OGH<span class=\"_ _1\"></span> anh\u00e4ngig<span class=\"_ _128\"> </span>ist. Vor diesem Hintergrund<span class=\"_ _0\"></span> haben sich die Uni<span class=\"_ _0\"></span>Credit und die Oberbank AG mittlerweile darauf geeinigt, im gegen die<span class=\"_ _128\"> </span>Oberbank AG gef\u00fchrten<span class=\"_ _0\"></span> Verfahren vorl\u00e4ufig einfaches Ruhen eintreten zu lassen, und<span class=\"_ _0\"></span> die Entscheidung des OGH im Verfah-<span class=\"_ _128\"> </span>ren gegen die BTV abzu<span class=\"_ _0\"></span>warten. Der Vorstand der Oberbank A<span class=\"_ _0\"></span>G sieht nach sorgf\u00e4ltiger Pr\u00fcfung bei diesem Verfahren wie b<span class=\"_ _0\"></span>ei allen anderen anh\u00e4ngigen Ver-<span class=\"_ _128\"> </span>fahren mit der UniCredit keine bedeut<span class=\"_ _0\"></span>samen bilanziellen Auswirkungen.<span class=\"_ _0\"></span> Leasingverh\u00e4ltnisse<span class=\"_ _128\"> </span>Als Leasinggeber sind in diesem Bereich Er<span class=\"_ _0\"></span>messensentscheidungen insbeson<span class=\"_ _0\"></span>dere bei der Unterscheidung von<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> Finanzierungsleasing einerseits und<span class=\"_ _0\"></span> Operate Leasing andererseits notwendig. Als Kriterium gilt nach IFRS 16.62 die \u00dcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span>tragung von im Wesentlichen s\u00e4mt<span class=\"_ _0\"></span>lichen Risiken und Ch<span class=\"_ _0\"></span>ancen vom Leasinggeber au<span class=\"_ _0\"></span>f den Leasingnehmer. Detailangab<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>sind in Note 14 (Forderungen an Kunden<span class=\"_ _0\"></span>) und Note 19 (Sachanlagen) enth<span class=\"_ _0\"></span>alten.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-385": {
   "value": "2.2) Auswirkungen der Covid<span class=\"_ _0\"></span>-<span class=\"ls2\">19</span>-Pandemie auf d<span class=\"_ _0\"></span>en Konzern<span class=\"_ _128\"> </span>Die Covid-<span class=\"ls2\">19</span>-Pandemie hat<span class=\"_ _0\"></span> in den Jahren 2020 und 2021 eine gro<span class=\"_ _0\"></span>\u00dfe Un<span class=\"_ _0\"></span>sicherheit in der Weltwirtschaft und auf d<span class=\"_ _0\"></span>en globalen<span class=\"_ _128\"> </span>M\u00e4rkten verursacht. Die von d<span class=\"_ _0\"></span>en Staaten erlassenen Vorschriften mit Ausgangsbeschr<span class=\"_ _0\"></span>\u00e4nkungen, Restaurant<span class=\"_ _1\"></span>- und Laden-<span class=\"_ _128\"> </span>schlie\u00dfungen sowie Produkt<span class=\"_ _0\"></span>ionsstillst\u00e4nden f\u00fchrten zu einem wirtschaft<span class=\"_ _0\"></span>lichen Abschwung<span class=\"_ _0\"></span> in \u00d6sterreich und Europ<span class=\"_ _0\"></span>a. In den<span class=\"_ _128\"> </span>Staaten, in denen d<span class=\"_ _0\"></span>ie Oberbank AG t\u00e4tig ist, wurden verschiedene Ma\u00dfn<span class=\"_ _0\"></span>ahmen eingeleitet und Hilfspakete (z.B. Staatsgaran-<span class=\"_ _128\"> </span>tien, \u00dcberbr\u00fcckungsfinan<span class=\"_ _0\"></span>zierungen, H\u00e4rtefonds f\u00fcr Selbst\u00e4ndige) geschn\u00fcrt und Stundun<span class=\"_ _0\"></span>gsprogramme einger<span class=\"_ _0\"></span>ichtet, u<span class=\"_ _0\"></span>m die<span class=\"_ _128\"> </span>Wirtschaft und Privathau<span class=\"_ _0\"></span>shalte in dieser existenzbedrohenden Krise bestm\u00f6glich zu unt<span class=\"_ _0\"></span>erst\u00fctzen. Aus diesem Grund konnt<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>das Risiko aus m\u00f6glichen Kred<span class=\"_ _0\"></span>itausf\u00e4llen bei Einzelkunden anhand<span class=\"_ _0\"></span> der in Einsatz befindlichen Risikomodelle nicht ausr<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>chend realistisch eingesch\u00e4tzt werden un<span class=\"_ _0\"></span>d es wurden mittels Management Overlay M<span class=\"_ _0\"></span>a\u00dfnahmen pauschale Risikovorsorgen<span class=\"_ _128\"> </span>f\u00fcr stark betroffene Branchen<span class=\"_ _0\"></span> gebildet. Zwischenzeitlich sind die (staat<span class=\"_ _0\"></span>lichen) F\u00f6rderma\u00dfnahmen weitestgehend ausgelaufen,<span class=\"_ _0\"></span> ohne dass sich wes<span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>liche negative<span class=\"_ _128\"> </span>Auswirkungen auf die Portfolioqualit\u00e4t der Ob<span class=\"_ _0\"></span>erbank AG ergeben haben. Auf d<span class=\"_ _0\"></span>er Ebene von einzelnen Kunden haben sich<span class=\"_ _128\"> </span>Risiken in Form von R<span class=\"_ _0\"></span>atingverschlechterungen bzw. Ausf\u00e4llen, die zur Bildung von R<span class=\"_ _0\"></span>isikovorsorgen in Stufe 3 f\u00fchrten, mater<span class=\"_ _1\"></span><span class=\"ls1d\">i-<span class=\"_ _128\"> </span></span>alisiert.<span class=\"_ _128\"> </span>Nach aktueller Einsch\u00e4t<span class=\"_ _0\"></span>zung hat die Covid<span class=\"_ _0\"></span>-19 Pandemie keinen wesentlichen E<span class=\"_ _0\"></span>influss mehr auf die Kreditrisikosituation f\u00fcr<span class=\"_ _128\"> </span>den Konzernabschluss 2022 u<span class=\"_ _0\"></span>nd alle damit in Zusammenh<span class=\"_ _0\"></span>ang stehenden Management Overlay Ma\u00dfn<span class=\"_ _0\"></span>ahmen wurden been-<span class=\"_ _128\"> </span>det.<span class=\"_ _128\"> </span>Im Detail wurden fo<span class=\"_ _0\"></span>lgende Ma\u00dfnahmen aufgel\u00f6st:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Aus der Aufl\u00f6sung des kollektiven Staging f\u00fcr<span class=\"_ _0\"></span> Forderungen an Kreditnehmer in besond<span class=\"_ _0\"></span>ers stark von Covid<span class=\"_ _0\"></span>- Lock-<span class=\"_ _128\"> </span></span></span>downs betroffenen Wirtschaft<span class=\"_ _0\"></span>sbranchen (Beherbergung, G<span class=\"_ _0\"></span>astronomie, Reisebranche, Luftfahrt) result<span class=\"_ _0\"></span>iert ein Er-<span class=\"_ _128\"> </span>trag <span class=\"ff9\">von \u20ac 4,3 Mio.<span class=\"_ _0\"></span> </span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">F\u00fcr Forderungen an<span class=\"_ _0\"></span> Kreditnehmer, f\u00fcr die im Zuge einer im 1. Quartal 2021 dur<span class=\"_ _0\"></span>chgef\u00fchrten Einzelanalyse eine<span class=\"_ _128\"> </span></span></span>gro\u00dfe Unsicherheit bei der Bon<span class=\"_ _0\"></span>it\u00e4tseinstufung wegen Covid bestand, wurd<span class=\"_ _0\"></span>e ebenfalls ein kollektives Staging vorge-<span class=\"_ _128\"> </span>nommen und eine Risikovo<span class=\"_ _0\"></span>rsorge (ECL) in H\u00f6he des erwarteten Verlusts bezogen au<span class=\"_ _0\"></span>f die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>Expected-Loss) gebildet. Im laufend<span class=\"_ _0\"></span>en Monitoring 2022 konnte die Un<span class=\"_ _0\"></span>sicherheit abgekl\u00e4rt werden. Entw<span class=\"_ _0\"></span>eder die<span class=\"_ _128\"> </span>Auswirkungen waren vernachl\u00e4ssigbar<span class=\"_ _0\"></span> oder das h\u00f6here Ausfal<span class=\"_ _0\"></span>lsrisiko wurd<span class=\"_ _0\"></span>e in Form eines schlechteren Ratings<span class=\"_ _128\"> </span>beziehungsweise sogar Ausfalls beim Einzelkund<span class=\"_ _0\"></span>en konkret sichtbar. Der implizite Effekt aus der Aufl\u00f6su<span class=\"_ _0\"></span>ng des<span class=\"_ _128\"> </span>Stagingeffektes durch das b<span class=\"_ _0\"></span>eschriebene Monitoring der Kunden betrug im Jahr 2022 \u20ac 3,<span class=\"_ _0\"></span>8 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Aus der Aufl\u00f6sung des kollektiven Staging f\u00fcr<span class=\"_ _0\"></span> Forderungen an Kreditnehmer im Bereich der Immobilienprojekt<span class=\"_ _0\"></span>fi-<span class=\"_ _128\"> </span></span></span>nanzierungen mit gewerb<span class=\"_ _0\"></span>lichen Hypothekarsicherheiten resultiert ein Ertr<span class=\"_ _0\"></span>ag von ca. \u20ac 9,6 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Die R\u00fcckkehr zum urspr\u00fcnglich entw<span class=\"_ _0\"></span>ickelten Stan<span class=\"_ _0\"></span>dard-ECL-Modell bei der Verwendun<span class=\"_ _0\"></span>g von zukunftsorientierten<span class=\"_ _128\"> </span></span></span>makro\u00f6konomischen Dat<span class=\"_ _0\"></span>en (forward looking information <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> <span class=\"ff9\">FLI) f\u00fchrte zu einer E<span class=\"_ _0\"></span>CL Aufl\u00f6sung von \u20ac 10 Mio. Beim<span class=\"_ _128\"> </span></span>Standard-ECL-Mo<span class=\"_ _0\"></span>dell kommt es beim ECL-Segment Corpo<span class=\"_ _0\"></span>rates im ersten Jahr nicht zur A<span class=\"_ _0\"></span>nwendun<span class=\"_ _0\"></span>g von FLI-Fakto-<span class=\"_ _128\"> </span>ren, da die verwendet<span class=\"_ _0\"></span>en volkswirtschaftlichen Faktoren bereits im Bilanzrating angewan<span class=\"_ _0\"></span>dt werden und daher be-<span class=\"_ _128\"> </span>reits Bestandteil der progno<span class=\"_ _0\"></span>stizierten Ausfallwahrscheinlichkeit eines Kunden s<span class=\"_ _0\"></span>ind. Damit wird eine doppelte Be-<span class=\"_ _128\"> </span>r\u00fccksichtigung <span class=\"ff9\">d<span class=\"_ _0\"></span>er FLI\u2019s vermieden. </span>Im Zuge von Cov<span class=\"_ _0\"></span>id wurde jedoch die Anwendung des Bilanzrat<span class=\"_ _0\"></span>ings wegen der<span class=\"_ _128\"> </span>vorhandenen Unsicherh<span class=\"_ _0\"></span>eit an die Ausnahmesituation angepasst, sonst h\u00e4tte sich wegen des p<span class=\"_ _0\"></span>rognostizierten BIP<span class=\"_ _128\"> </span>R\u00fcckgangs das Ratin<span class=\"_ _0\"></span>g aller Kunden im Firmenkunden<span class=\"_ _0\"></span>-Portfolio pauschal verschlechtert<span class=\"_ _0\"></span>. Dies h\u00e4tte ebenso zu einer<span class=\"_ _128\"> </span>pauschalen und un<span class=\"_ _0\"></span>differenzierten Erh\u00f6hung des ECL gef\u00fchrt. Aus diesem Gru<span class=\"_ _0\"></span>nd wurde der Einsatz der Hardfact<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>Prognosen im Bilanzrating au<span class=\"_ _0\"></span>sgesetzt. Stark von Covid betroffene Kunden wurden<span class=\"_ _0\"></span> mit Hilfe <span class=\"_ _0\"></span>von Outlook Gespr\u00e4-<span class=\"_ _128\"> </span>chen identifiziert und selektiv schlechter gerat<span class=\"_ _0\"></span>et. Da es in Folge dieser Ma\u00dfn<span class=\"_ _0\"></span>ahme nicht mehr zur impliziten Be-<span class=\"_ _128\"> </span>r\u00fccksichtigung von FLI-Fakto<span class=\"_ _0\"></span>ren beim Bilanzrating kam, wurd<span class=\"_ _0\"></span>en diese im ECL Modell bei den Corpo<span class=\"_ _0\"></span>rates auch im 1.<span class=\"_ _128\"> </span>Jahr ber\u00fccksichtigt.<span class=\"_ _128\"> </span>Nur im Bereich der R\u00fcckstellungen existiert im Bereich des op<span class=\"_ _0\"></span>erationellen Risikos no<span class=\"_ _0\"></span>ch eine \u201eR\u00fcckstellung f\u00fcr drohende Ver-<span class=\"_ _128\"> </span>luste aus Zinsstundungen im Rah<span class=\"_ _0\"></span>men des Covid Moratorium\u201c in der H\u00f6<span class=\"_ _0\"></span>he von \u20ac 2,6 Mio.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>2.3) Auswirkungen des Ukraine <span class=\"_ _0\"></span>Krieges und den Fo<span class=\"_ _0\"></span>lgewirkungen auf den Konzernab<span class=\"_ _0\"></span>schluss<span class=\"_ _128\"> </span>Die Oberbank AG fin<span class=\"_ _0\"></span>anziert keine ukrainischen und russischen Unt<span class=\"_ _0\"></span>ernehmen und h\u00e4lt keine ukrainischen, russischen od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>wei\u00dfrussischen Staatsan<span class=\"_ _0\"></span>leihen und somit ist die Gesch\u00e4ftst\u00e4tigkeit der Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _0\"></span> selbst nicht direkt vom Krieg in d<span class=\"_ _0\"></span>er Uk-<span class=\"_ _128\"> </span>raine betroffen.<span class=\"_ _128\"> </span>Die nachfolgenden Ausf\u00fchr<span class=\"_ _0\"></span>ungen sollen aktualisierte Informationen und d<span class=\"_ _0\"></span>ie wesentlichen Aspekte zu den gegenw\u00e4rtigen<span class=\"_ _128\"> </span>Auswirkungen des Krieges in der Ukraine und<span class=\"_ _0\"></span> der damit einhergehenden Energiekrise, <span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>ohen Inflation und steigenden Zin-<span class=\"_ _128\"> </span>sen auf den Konzernab<span class=\"_ _0\"></span>schluss und insbesondere das Kreditrisiko der Ob<span class=\"_ _0\"></span>erbank AG liefern.<span class=\"_ _0\"></span> Im 2. Halbjahr 2022 fand<span class=\"_ _0\"></span> der Konjunkturaufschwung in \u00d6st<span class=\"_ _0\"></span>erreich sein Ende und ist in eine Phase des Abschwungs \u00fc<span class=\"_ _0\"></span>berge-<span class=\"_ _128\"> </span>gangen. Dieser Tren<span class=\"_ _0\"></span>d setzte sich auch im 4. Quartal 2022 fort<span class=\"_ _0\"></span>. Grund daf\u00fcr sind die hohen Rohsto<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>- und Energiepreise in<span class=\"_ _128\"> </span>Folge des Krieges in der Ukraine sowie der d<span class=\"_ _0\"></span>araus resultierende Anstieg der Inflation, die Abschw<span class=\"_ _0\"></span>\u00e4chung der Konjunktur und<span class=\"_ _128\"> </span>der damit verbundenen<span class=\"_ _0\"></span> Warenexporte, sow<span class=\"_ _0\"></span>ie die Straffung der Geldpolitik durch die Zentralbanken.<span class=\"_ _0\"></span> Die Bundesregierung verabschiedete im 4. Qu<span class=\"_ _0\"></span>artal 2022 Ma\u00dfnah<span class=\"_ _0\"></span>men zur Abfederung der hohen Energiekosten zu<span class=\"_ _0\"></span>r Entlas-<span class=\"_ _128\"> </span>tung der B\u00fcrger und der h<span class=\"_ _0\"></span>eimischen Unternehmen (Strompreisbremse, 3. An<span class=\"_ _0\"></span>ti<span class=\"_ _0\"></span>-T<span class=\"ff9\">euerungsp<span class=\"_ _0\"></span>aket, etc \u2026). </span> Die staatlichen St\u00fctzun<span class=\"_ _0\"></span>gsma\u00dfnahmen und die nach wie vor h<span class=\"_ _0\"></span>errschende Ungewissheit \u00fcber die Entwicklung und<span class=\"_ _0\"></span> Folgen des<span class=\"_ _128\"> </span>Krieges in der Ukraine f\u00fchren zu einer Verz\u00f6gerun<span class=\"_ _0\"></span>g in der Abbildung gesamtwirtschaftlicher Gr\u00f6\u00dfen in den Au<span class=\"_ _0\"></span>sfallrat<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span>Privat- und Firmenkun<span class=\"_ _0\"></span>den und erschweren dadurch die fr\u00fchzeitige Erkenn<span class=\"_ _0\"></span>ung einer potenziellen Verschlechterung d<span class=\"_ _0\"></span>er <span class=\"_ _0\"></span> Kreditqualit\u00e4t<span class=\"_ _128\"> </span>Das Wertberichtigungsmodell der Oberban<span class=\"_ _0\"></span>k AG nach IFRS9 beinhaltet unter anderem eine Anp<span class=\"_ _0\"></span>assung der Ausfallsw<span class=\"_ _0\"></span>ahr-<span class=\"_ _128\"> </span>scheinlichkeit (probab<span class=\"_ _0\"></span>ility of default - PD) zur Ber\u00fc<span class=\"_ _0\"></span>cksichtigung von zukunftsgerichteten makro\u00f6kon<span class=\"_ _0\"></span>omischen Informationen.<span class=\"_ _128\"> </span>Die FLI-Modellentwicklung wu<span class=\"_ _0\"></span>rde mit einer Zeithistorie vorgenommen, die diese wirt<span class=\"_ _0\"></span>schaftlichen Verwerfungen, staatlich<span class=\"_ _128\"> </span>gest\u00fctzten Verzerrunge<span class=\"_ _0\"></span>n und makro\u00f6konomischen E<span class=\"_ _0\"></span>xtremwerte nicht ber\u00fccksichtigt.<span class=\"_ _128\"> </span>Um der erwarteten signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung der Ausfallsrisiken Rechnung zu<span class=\"_ _0\"></span> tragen, wird f\u00fcr folgende Teilportfolios als M<span class=\"_ _0\"></span>a-<span class=\"_ _128\"> </span>nagement Overlay Ma\u00dfn<span class=\"_ _0\"></span>ahme ein kollektiver Transfer von Stufe 1 auf Stufe 2 vo<span class=\"_ _1\"></span>rgenommen. \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer Einzelanalyse eine hohe Gasabh\u00e4n<span class=\"_ _0\"></span>gigkeit festgestellt wer-<span class=\"_ _128\"> </span></span></span>den konnte. Das Risiko <span class=\"_ _0\"></span>einer neuerlich starken Verteuerung der Gasp<span class=\"_ _0\"></span>reise bzw. eines Gasstop, sowie deren Folgen<span class=\"_ _128\"> </span>k\u00f6nnen nicht au<span class=\"_ _0\"></span>sgeschlossen und nur schwer ab<span class=\"_ _0\"></span>gesch\u00e4tzt werden. Die Bildung der zus\u00e4tzlichen Vor<span class=\"_ _0\"></span>sorge erh\u00f6ht<span class=\"_ _128\"> </span>die Wertberichtigung im Lebend<span class=\"_ _0\"></span>gesch\u00e4ft um 10,5 Mio. Euro<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten, bei<span class=\"_ _128\"> </span></span></span>denen aufgrund<span class=\"_ _0\"></span> der massiven Zinsanstiege durch die EZB, sowie der vorherr<span class=\"_ _0\"></span>schenden hohen Inflation h\u00f6here Risi-<span class=\"_ _128\"> </span>ken in Bezug auf Projekt<span class=\"_ _0\"></span>fortschritt und die R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit der Kredite bestehen. Die Bildung der zus\u00e4tzli-<span class=\"_ _128\"> </span>chen Vorsorge (Lifetime Expected Loss) er<span class=\"_ _0\"></span>h\u00f6ht d<span class=\"_ _0\"></span>ie Wertberichtigung im Lebendgesch\u00e4ft um 9,6 Mio. E<span class=\"_ _0\"></span>uro<span class=\"_ _128\"> </span>Betroffenes Collective<span class=\"ff9\">\u2014</span>Staging<span class=\"_ _0\"></span> Portfolio per 31.12.2022 nach Stufent<span class=\"_ _0\"></span>ransfergr\u00fcnden in Tsd. Euro<span class=\"_ _0\"></span> <div class=\"gsa\"><table class=\"s w2ae h163\" id=\"_a13a6998-83c5-4211-b9a3-bd96140f57df\"><tr><td class=\"c x178 y1126 w2af h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Bi<span class=\"_ _5\"></span>la<span class=\"_ _5\"></span>nzpo<span class=\"_ _5\"></span>si<span class=\"_ _5\"></span>tion<span class=\"_ _128\"> </span></div></td><td class=\"c x1c1 y1126 w2b0 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Tra<span class=\"_ _5\"></span>nsfergrund<span class=\"_ _128\"> </span></div></td><td class=\"c x1c2 y1126 w2b1 h164\"><div class=\"t m2 x177 h5e y1125 ffb fsb fc2 sc0 ls0 ws0\">Forde<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ungsv<span class=\"_ _5\"></span>olumen in TSD<span class=\"_ _5\"></span> \u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x1c3 y1126 w2b2 h164\"><div class=\"t m2 x177 h5e y1125 ffb fsb fc2 sc0 ls0 ws0\">Ef<span class=\"_ _5\"></span>fekt aus Stufent<span class=\"_ _0\"></span>r<span class=\"_ _0\"></span>ans<span class=\"_ _5\"></span>fer <span class=\"_ _0\"></span>in T<span class=\"_ _5\"></span>SD<span class=\"_ _5\"></span> \u20ac<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y1128 w2b3 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer Ga<span class=\"_ _0\"></span>s<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>bh\u00e4<span class=\"_ _1\"></span>ngi<span class=\"_ _0\"></span>gkei<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span></div></td><td class=\"c x1c5 y1128 w2b4 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.07<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.20<span class=\"_ _0\"></span>9<span class=\"_ _128\"> </span></div></td><td class=\"c x1c6 y1128 w2b5 h165\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">6.74<span class=\"_ _0\"></span>8<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1c7 y1129 w5c h60\"><div class=\"t m2 x85 h5f y4be ff4 fsb fc2 sc0 ls0 ws0\">Bi<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>nzi<span class=\"_ _0\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>e V<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>rm\u00f6ge<span class=\"_ _5\"></span>ns<span class=\"_ _0\"></span>we<span class=\"_ _5\"></span>rte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c4 y112a w2b6 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer I<span class=\"_ _0\"></span>mm<span class=\"_ _5\"></span>obi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>i<span class=\"_ _0\"></span>enpr<span class=\"_ _0\"></span>oj<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span>kte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c8 y112a w2b7 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.87<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.11<span class=\"_ _0\"></span>6<span class=\"_ _128\"> </span></div></td><td class=\"c x1c9 y112a w2b8 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">7.94<span class=\"_ _0\"></span>8<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112b w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td class=\"c x1ca y112b w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">2.95<span class=\"_ _0\"></span>5.32<span class=\"_ _0\"></span>5<span class=\"_ _128\"> </span></div></td><td class=\"c x1cb y112b w2bb h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">14<span class=\"_ _0\"></span>.696<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112c w2b3 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer Ga<span class=\"_ _0\"></span>s<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>bh\u00e4<span class=\"_ _1\"></span>ngi<span class=\"_ _0\"></span>gkei<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span></div></td><td class=\"c x1cc y112c w2bc h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">81<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.55<span class=\"_ _0\"></span>1<span class=\"_ _128\"> </span></div></td><td class=\"c x1cd y112c w2b5 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">3.70<span class=\"_ _0\"></span>9<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1c7 y112d w5c h60\"><div class=\"t m2 x5c h5f y4be ff4 fsb fc2 sc0 ls0 ws0\">A<span class=\"_ _5\"></span>u\u00dferbi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>a<span class=\"_ _0\"></span>nzi<span class=\"_ _1\"></span>el<span class=\"_ _0\"></span>l<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span> V<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>rm\u00f6ge<span class=\"_ _5\"></span>ns<span class=\"_ _0\"></span>we<span class=\"_ _5\"></span>rte<span class=\"_ _128\"> </span></div></td><td class=\"c x1c4 y112e w2b6 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">Kol<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>ekt<span class=\"_ _5\"></span>i<span class=\"_ _0\"></span>ver Stufe<span class=\"_ _5\"></span>ntra<span class=\"_ _0\"></span>ns<span class=\"_ _1\"></span>fer I<span class=\"_ _0\"></span>mm<span class=\"_ _5\"></span>obi<span class=\"_ _1\"></span>l<span class=\"_ _1\"></span>i<span class=\"_ _0\"></span>enpr<span class=\"_ _0\"></span>oj<span class=\"_ _1\"></span>e<span class=\"_ _5\"></span>kte<span class=\"_ _128\"> </span></div></td><td class=\"c x1cc y112e w2bc h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">23<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.90<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td><td class=\"c x1cd y112e w2b5 h166\"><div class=\"t m2 x177 h5f y1127 ff4 fsb fc2 sc0 ls0 ws0\">1.64<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1c4 y112f w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td class=\"c x1ca y112f w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">1.04<span class=\"_ _0\"></span>5.45<span class=\"_ _0\"></span>7<span class=\"_ _128\"> </span></div></td><td class=\"c x1ce y112f w2bd h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">5.35<span class=\"_ _0\"></span>5<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1130 w2b9 h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">Gesa<span class=\"_ _5\"></span>mt<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x1cf y1130 w2ba h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">4.00<span class=\"_ _0\"></span>0.78<span class=\"_ _0\"></span>2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d0 y1130 w2bb h164\"><div class=\"t m2 x177 h5e y1125 ff5 fsb fc2 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>.051<span class=\"_ _128\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-10": {
   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-386": {
   "value": "2.4) Konsolidierungsmethod<span class=\"_ _0\"></span>en Alle wesentlichen Tochterunt<span class=\"_ _0\"></span>ernehmen, die unter der wirtschaftli<span class=\"_ _0\"></span>chen Beherrschung d<span class=\"_ _0\"></span>er Oberbank AG stehen, wurden in den Konzernabschluss einb<span class=\"_ _0\"></span>ezogen.<span class=\"_ _128\"> </span>Die Kapitalkonsolid<span class=\"_ _0\"></span>ierung erfolgte gem\u00e4\u00df den Bestimmungen des IFRS 3 nach der E<span class=\"_ _0\"></span>rwerbsmethode. Aktive Unterschieds<span class=\"_ _1\"></span>- betr\u00e4ge, die auf gesond<span class=\"_ _0\"></span>ert identifizierbare immaterielle Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e entfallen, die im Rahmen des <span class=\"_ _1\"></span> Unternehmenszusammenschlu<span class=\"_ _0\"></span>sses erworben wurden,<span class=\"_ _0\"></span> werden getrennt vom Firmenwert ausgewiesen. Dabei werden au<span class=\"_ _0\"></span>ch f\u00fcr die Fremdanteile die ant<span class=\"_ _0\"></span>eiligen Unterschiedsbetr\u00e4ge angef\u00fchrt. Sow<span class=\"_ _0\"></span>eit f\u00fcr diese Verm\u00f6gensgegenst\u00e4nde eine Nutzu<span class=\"_ _0\"></span>ngs-<span class=\"_ _128\"> </span>dauer bestimmt werden<span class=\"_ _0\"></span> kann, erfolgt eine planm\u00e4\u00dfige Abschreibun<span class=\"_ _0\"></span>g \u00fcber die voraussichtliche Nutzungsdauer. <span class=\"_ _0\"></span> Konzerninterne Forderungen und<span class=\"_ _0\"></span> Verbindlichkeiten sowie Au<span class=\"_ _0\"></span>fwendungen und Ertr\u00e4ge werden eliminiert, soweit s<span class=\"_ _0\"></span>ie nicht von untergeordneter Bed<span class=\"_ _0\"></span>eutung sind. Auf eine Zwischenergebniseliminierun<span class=\"_ _0\"></span>g wurde verzichtet, da keine w<span class=\"_ _0\"></span>esentlichen  Zwischenergebnisse vorh<span class=\"_ _0\"></span>anden sind. Angaben zu Tochterun<span class=\"_ _0\"></span>ternehmen<span class=\"_ _128\"> </span> Zu <span class=\"_ _1\"></span>den <span class=\"_ _1\"></span>Rechnungslegungsmetho<span class=\"_ _0\"></span>den <span class=\"_ _1\"></span>siehe <span class=\"_ _1\"></span>Punkt <span class=\"_ _1\"></span>2) <span class=\"_ _1\"></span>in <span class=\"_ _1\"></span>den <span class=\"_ _1\"></span>Erl\u00e4uterungen <span class=\"_ _1\"></span>(Notes) <span class=\"_ _1\"></span>zum <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzernabschluss, <span class=\"_ _1\"></span>Abschnitt <span class=\"_ _1\"></span>Konsoli-<span class=\"_ _128\"> </span>dierungsmethoden. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-477": {
   "value": "Die wichtigsten Beteiligungen mit b<span class=\"_ _0\"></span>is zu 50 % Beteiligungsverh\u00e4ltnis wurden n<span class=\"_ _0\"></span>ach der Equity-Meth<span class=\"_ _0\"></span>ode bilanziert (BKS Bank AG, Bank f\u00fcr Tiro<span class=\"_ _0\"></span>l und Vorarlberg Aktiengesellschaft<span class=\"_ _0\"></span>, voestalpine AG). Voraussetzung f\u00fcr die Einbeziehun<span class=\"_ _0\"></span>g nach der Equity-Methode ist,<span class=\"_ _0\"></span> dass auf die Unternehmenspolitik ma\u00dfgeblicher Einfluss ausge\u00fcbt w<span class=\"_ _0\"></span>erden kann. Durch den <span class=\"_ _0\"></span> ma\u00dfgeblichen Einfluss verf\u00fcgt<span class=\"_ _0\"></span> der Investor \u00fcber einen Anteil an der Ertragskr<span class=\"_ _0\"></span>aft de<span class=\"_ _0\"></span>s assoziierten Unternehmens und demzufolge \u00fcber einen Ant<span class=\"_ _0\"></span>eil am R\u00fcckfluss des eingesetzten Kapitals und des Nettoverm\u00f6<span class=\"_ _0\"></span>gens.  Ebenso sind Gewinnaus-<span class=\"_ _128\"> </span>sch\u00fcttungen kein M<span class=\"_ _0\"></span>a\u00dfstab f\u00fcr die zurechenbare Leistung d<span class=\"_ _0\"></span>es assoziierten Unternehmens. Das Ergebnis aus <span class=\"_ _1\"></span> Beteiligungen, auf die ein ma\u00dfgeblicher Einflu<span class=\"_ _0\"></span>ss ausge\u00fcbt wird, wird dur<span class=\"_ _0\"></span>ch die Einbeziehung des anteiligen <span class=\"_ _0\"></span> Jahres\u00fcberschusses treffender abgebildet. <span class=\"_ _0\"></span>Eine weitere Ergebniseliminierung aufgru<span class=\"_ _0\"></span>nd von Konsolidierungen oder von auf eigene Ergebnisanteile entfallend<span class=\"_ _0\"></span>e Jahres\u00fcb<span class=\"_ _0\"></span>ersch\u00fcsse wird bei at-Equit<span class=\"_ _0\"></span>y Beteiligungen nicht vorgenommen.<span class=\"_ _0\"></span> AT EQUITY BEWERTE<span class=\"_ _0\"></span>TE ASSOZIIERTE UNTERNEHMEN<span class=\"_ _128\"> </span>Anteil in %<span class=\"_ _128\"> </span>Bank f\u00fcr Tirol und Vorarlberg <span class=\"_ _0\"></span>Aktiengesellschaft, Innsbruck<span class=\"_ _0\"></span> 13,85<span class=\"_ _128\"> </span>BKS Bank AG, Klagenfurt<span class=\"_ _0\"></span> 18,52<span class=\"_ _128\"> </span>voestalpine AG, Linz<span class=\"_ _128\"> </span>8,04<span class=\"_ _128\"> </span>B. ASSOZIIERTE UNTERNE<span class=\"_ _0\"></span>HMEN<span class=\"_ _128\"> </span>3 Banken-Generali Inv<span class=\"_ _0\"></span>estment-Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> <span class=\"_ _51\"> </span>20,57<span class=\"_ _128\"> </span>3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz <span class=\"_ _52\"> </span>40,00<span class=\"_ _128\"> </span>3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> <span class=\"_ _53\"> </span>40,00<span class=\"_ _128\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz <span class=\"_ _54\"> </span>40,00<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnan<span class=\"_ _0\"></span>g-Puchheim <span class=\"_ _55\"> </span>49,00<span class=\"_ _128\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-E<span class=\"_ _0\"></span>DV Gesellschaft m.b.H.) <span class=\"_ _56\"> </span>40,00<span class=\"_ _128\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> <span class=\"_ _57\"> </span>33,11<span class=\"_ _128\"> </span>Gain Capital Private Equity III SCSp<span class=\"_ _0\"></span> <span class=\"_ _58\"> </span>36,97<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad <span class=\"_ _0\"></span>Hofgastein <span class=\"_ _59\"> </span>32,62<span class=\"_ _128\"> </span>GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige registrierte Genossenschaft mit<span class=\"_ _0\"></span> beschr\u00e4nkter Haftung, Linz<span class=\"_ _0\"></span> <span class=\"_ _5a\"> </span>25,16<span class=\"_ _128\"> </span>Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling <span class=\"_ _5b\"> </span>24,90<span class=\"_ _128\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz <span class=\"_ _5c\"> </span>24,7<span class=\"_ _128\"> </span>Techno-Z Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Brau<span class=\"_ _0\"></span>nau <span class=\"_ _5d\"> </span>21,50<span class=\"_ _128\"> </span>Angaben zu asso<span class=\"_ _0\"></span>ziierten Unternehmen<span class=\"_ _128\"> </span>Zu <span class=\"_ _76\"> </span>den <span class=\"_ _76\"> </span>Rechnungslegungsmethoden <span class=\"_ _76\"> </span>siehe <span class=\"_ _76\"> </span>Punkt <span class=\"_ _76\"> </span>2) <span class=\"_ _76\"> </span>in <span class=\"_ _3c\"> </span>d<span class=\"_ _0\"></span>en <span class=\"_ _3c\"> </span>Erl\u00e4uterungen <span class=\"_ _76\"> </span>(Not<span class=\"_ _0\"></span>es) <span class=\"_ _3c\"> </span>zu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span> <span class=\"_ _76\"> </span>Konzernabschluss, <span class=\"_ _76\"> </span>Abschnitt Konsolidierungsmethod<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>. <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>er <span class=\"_ _1\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzern <span class=\"_ _1\"></span>h<span class=\"_ _0\"></span>at <span class=\"_ _12\"></span>zum <span class=\"_ _1\"></span>31.12.2022 <span class=\"_ _12\"></span>drei <span class=\"_ _1\"></span>assoziierte <span class=\"_ _12\"></span>Unternehmen, <span class=\"_ _1\"></span>die <span class=\"_ _12\"></span>nach <span class=\"_ _1\"></span>der <span class=\"_ _12\"></span>Equity<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>Methode bilanziert werden.<span class=\"_ _128\"> </span>BKS Bank AG<span class=\"_ _128\"> </span>Bank f\u00fcr Tirol und Vorarl-<span class=\"_ _128\"> </span>berg Aktiengesellschaft<span class=\"_ _0\"></span> voestalpine AG<span class=\"_ _128\"> </span>Art der Beziehung<span class=\"_ _128\"> </span>Strategischer Bankpartn<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Strategischer Bankpartn<span class=\"_ _0\"></span>erStrategischer Partner<span class=\"_ _128\"> </span>Art der T\u00e4tigkeit<span class=\"_ _128\"> </span>Kreditinstitut<span class=\"_ _128\"> </span>Kreditinstitut<span class=\"_ _128\"> </span>Stahlbasierter Technologie<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>und Industrieg\u00fcterkonzern<span class=\"_ _0\"></span> Hauptsitz der Gesch\u00e4ftst\u00e4-<span class=\"_ _128\"> </span>tigkeit<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>Kapitalanteil<span class=\"_ _128\"> </span>18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span>13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span>8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span>Stimmanteil<span class=\"_ _128\"> </span>18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span>13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span>8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span>Beizulegender Zeitwert des<span class=\"_ _128\"> </span>Eigentumsanteils (sofern<span class=\"_ _128\"> </span>b\u00f6rsennotiert)<span class=\"_ _128\"> </span>111.336 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 121.674 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>192.299 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 148.952 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>355.820 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 459.494 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>Es <span class=\"_ _0\"></span>folgen <span class=\"_ _0\"></span>zusammengefasste <span class=\"_ _0\"></span>Finanzinformationen <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>assoziierten <span class=\"_ _0\"></span>U<span class=\"_ _0\"></span>nternehmen <span class=\"_ _0\"></span>BKS <span class=\"_ _0\"></span>Bank AG, <span class=\"_ _0\"></span>Bank <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Tirol und <span class=\"_ _0\"></span>Vorarl-<span class=\"_ _128\"> </span>berg <span class=\"_ _12\"></span>Aktiengesellschaft <span class=\"_ _12\"></span>(Kreditinstitut<span class=\"_ _0\"></span>e) <span class=\"_ _12\"></span>und <span class=\"_ _12\"></span>voestalpine <span class=\"_ _12\"></span>AG <span class=\"_ _12\"></span>(Sonstige). <span class=\"_ _12\"></span>Die <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>aten <span class=\"_ _12\"></span>basieren <span class=\"_ _12\"></span>auf <span class=\"_ _12\"></span>den <span class=\"_ _12\"></span>jeweiligen <span class=\"_ _12\"></span>Konzernab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>schl\u00fcssen, die nach IFRS erst<span class=\"_ _0\"></span>ellt wurden.<span class=\"_ _128\"> </span>Kreditinstitute<span class=\"_ _128\"> </span>Sonstige<span class=\"_ _128\"> </span>BKS<span class=\"_ _128\"> </span>BTV<span class=\"_ _128\"> </span>voestalpine<span class=\"_ _128\"> </span>in Tsd. \u20ac<span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Erl\u00f6se<span class=\"_ _128\"> </span>236.730257.266347.704278.90517.175.50013.199.400<span class=\"_ _128\"> </span>Gewinn/Verlust aus fortzuf\u00fchrend<span class=\"_ _0\"></span>en Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsbereichen<span class=\"_ _128\"> </span>61.583102.887<span class=\"_ _128\"> </span>98.320<span class=\"_ _128\"> </span>78.4151.559.700793.200<span class=\"_ _128\"> </span>Gewinn/Verlust nach Steuern<span class=\"_ _0\"></span> aus aufge-<span class=\"_ _128\"> </span>gebenen Gesch\u00e4ftsbereichen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Sonstiges Ergebnis<span class=\"_ _128\"> </span>4.74214.886<span class=\"_ _128\"> </span>8.485<span class=\"_ _128\"> </span>9.510133.500116.900<span class=\"_ _128\"> </span>Gesamtergebnis<span class=\"_ _128\"> </span>66.325117.773106.805<span class=\"_ _128\"> </span>87.9251.693.200910.100<span class=\"_ _128\"> </span>Kurzfristige Verm\u00f6genswerte<span class=\"_ _128\"> </span>1.200.7161.606.1522.926.3653.117.0009.347.8007.216.900<span class=\"_ _128\"> </span>Langfristige Verm\u00f6genswerte<span class=\"_ _0\"></span> K<span class=\"_ _128\"> </span>9.360.9968.828.80511.323.15310.836.8487.796.0008.219.400<span class=\"_ _128\"> </span>Kurzfristige Schulden<span class=\"_ _128\"> </span>L<span class=\"_ _128\"> </span>862.051758.6652.598.7152.608.2456.061.9005.253.600<span class=\"_ _128\"> </span>Langfristige Schulden<span class=\"_ _128\"> </span>8.194.0678.233.3109.672.0269.474.0253.549.0004.105.200<span class=\"_ _128\"> </span>Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span>der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span>resbeginn<span class=\"_ _128\"> </span>255.534235.677252.858240.745492.372420.724<span class=\"_ _128\"> </span>Zurechenbares Gesamtergebn<span class=\"_ _0\"></span>is<span class=\"_ _128\"> </span>13.42421.764<span class=\"_ _128\"> </span>15.838<span class=\"_ _128\"> </span>13.21976.106<span class=\"_ _128\"> </span>78.828<span class=\"_ _128\"> </span>Erhaltene Dividenden<span class=\"_ _0\"></span> im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>1.829<span class=\"_ _128\"> </span>1.907<span class=\"_ _128\"> </span>1.414<span class=\"_ _128\"> </span>1.10517.231<span class=\"_ _128\"> </span>7.180<span class=\"_ _128\"> </span>Zug\u00e4nge im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.987<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<div class=\"gs3c\"><table class=\"s w3e8 h1e9\" id=\"_474c0de0-7e14-4d6a-b032-d3ed6911f857\"><tr><td class=\"c x178 y1588 w3e6 h1ea\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1589 w3e7 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y158a w3e9 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">resende<span class=\"_ _128\"> </span></div></td><td class=\"c x2ea y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">267.129 </div></td><td class=\"c x2ed y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.534 </div></td><td class=\"c x2ec y1075 w133 hb3\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">281.269 </div></td><td class=\"c x1d7 y1075 wef hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.858 </div></td><td class=\"c x2eb y1075 w134 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x2ee y1075 w135 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr></table></div><div class=\"c w3 h3 gs2e4\"><div class=\"t m0 x3 h5 y2f5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y41d ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr die Beteiligung an der BKS Bank AG <span class=\"_ _0\"></span>besteht zwischen der Oberbank AG, der Ban<span class=\"_ _0\"></span>k f\u00fcr Tirol und Vorarlberg Aktiengesell-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y27b ff4 fs2 fc2 sc0 ls0 ws0\">schaft und der Gen<span class=\"_ _0\"></span>erali 3Banken Holding AG bzw. f\u00fcr die Beteiligung an der Bank f\u00fc<span class=\"_ _0\"></span>r Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y1af ff4 fs2 fc2 sc0 ls0 ws0\">besteht zwisch<span class=\"_ _0\"></span>en der Oberbank AG, der BKS Bank AG und der Generali 3Banken Hold<span class=\"_ _0\"></span>ing AG jeweils ein Syndikatsvertrag.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y905 ff4 fs2 fc2 sc0 ls0 ws0\">Zweck der Syndikate ist<span class=\"_ _0\"></span> es, die Eigenst\u00e4ndigkeit der BKS Ban<span class=\"_ _0\"></span>k AG bzw. der Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y906 ff4 fs2 fc2 sc0 ls0 ws0\">zu erhalten. Die E<span class=\"_ _0\"></span>inbeziehung von BKS Bank AG un<span class=\"_ _0\"></span>d Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft b<span class=\"_ _0\"></span>eruht auf diesen Syn-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y63e ff4 fs2 fc2 sc0 ls0 ws0\">dikatsvertr\u00e4gen. Die Einbeziehung d<span class=\"_ _0\"></span>es voestalpine-Ko<span class=\"_ _0\"></span>nzerns beruht vor allem auf dem nachh<span class=\"_ _0\"></span>altig strategischen Gehalt der<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y907 ff4 fs2 fc2 sc0 ls0 ws0\">Eigent\u00fcmerstruktur und der damit bestehend<span class=\"_ _0\"></span>en M\u00f6<span class=\"_ _0\"></span>glichkeit, ma\u00dfgeblichen Einfluss au<span class=\"_ _0\"></span>szu\u00fcben. Als strategischer Investor<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y908 ff4 fs2 fc2 sc0 ls0 ws0\">stellt die Oberbank AG dar\u00fcb<span class=\"_ _0\"></span>er hinaus einen Vertreter im Aufsichtsrat<span class=\"_ _0\"></span> der voestalpine AG. Der Stichtag f\u00fcr die Einbeziehung<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y909 ff4 fs2 fc2 sc0 ls0 ws0\">der assoziierten Unterneh<span class=\"_ _0\"></span>men ist jeweils der 30. September, <span class=\"_ _0\"></span>um eine zeitnahe Jahresabschlu<span class=\"_ _0\"></span>sserstellung zu erm\u00f6glichen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y90a ff4 fs2 fc2 sc0 ls0 ws0\">Auswirkungen bedeutend<span class=\"_ _0\"></span>er Gesch\u00e4ftsvorf\u00e4lle oder anderer Ereignisse zwischen dem Berichtsst<span class=\"_ _0\"></span>ichtag und dem Kon<span class=\"_ _0\"></span>zernab-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y90b ff4 fs2 fc2 sc0 ls0 ws0\">schlussstichtag werden, s<span class=\"_ _0\"></span>ofern gege<span class=\"_ _5\"></span>ben, ber\u00fccksichtigt.<span class=\"_ _0\"></span> D<span class=\"_ _0\"></span>ie nicht in den Konzernabs<span class=\"_ _0\"></span>chluss aufgenommenen assoziierten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y90c ff4 fs2 fc2 sc0 ls0 ws0\">Unternehmen wiesen zum Bilanzst<span class=\"_ _0\"></span>ichtag folgende Werte (UGB) aus:<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y90d ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs2e5\"><table class=\"s w3ea h176\" id=\"_740229cb-305e-43e3-aabc-668db20660c8\"><tr><td class=\"c x174 y158b w136 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x2ef y158b w137 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y158b w138 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ff4 ls0\"> </span></div></td></tr><tr><td class=\"c x174 y158c w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6gensgegenst\u00e4nde </div></td><td class=\"c x2ef y158c w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">265.351 </div></td><td class=\"c x2f0 y158c w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.384 </div></td></tr><tr><td class=\"c x174 y158d w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schulden </div></td><td class=\"c x2ef y158d w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.166 </div></td><td class=\"c x2f0 y158d w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.717 </div></td></tr><tr><td class=\"c x174 y158e w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erl\u00f6se </div></td><td class=\"c x2ef y158e w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">173.451 </div></td><td class=\"c x2f0 y158e w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.098 </div></td></tr><tr><td class=\"c x174 y158f w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Periodengewinne/<span class=\"_ _0\"></span>-verluste </div></td><td class=\"c x2ef y158f w137 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.830 </div></td><td class=\"c x2f0 y158f w138 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.089 </div></td></tr></table></div>61) Beteiligungsliste gem\u00e4\u00df UGB<span class=\"_ _128\"> </span>Konsoli-<span class=\"_ _128\"> </span>Ergebnis des<span class=\"_ _128\"> </span>Die Gesellschaft hielt per 31. De<span class=\"_ _0\"></span>zember 2022 bei folgenden <span class=\"_ _0\"></span> dierungs-<span class=\"_ _128\"> </span>Kapitalanteil in %<span class=\"_ _128\"> </span>5)<span class=\"_ _128\"> </span>Eigen-letzten Ge-<span class=\"_ _128\"> </span>Jahres-<span class=\"_ _128\"> </span>Anmer-<span class=\"_ _128\"> </span>Unternehmen mindestens 20 % Anteilsbesitz:<span class=\"_ _0\"></span> methode *)<span class=\"_ _128\"> </span>un-<span class=\"_ _128\"> </span>mit-<span class=\"_ _128\"> </span>gesamt<span class=\"_ _128\"> </span>kapital<span class=\"_ _128\"> </span>3)<span class=\"_ _128\"> </span>sch\u00e4ftsjah-<span class=\"_ _128\"> </span>res<span class=\"_ _128\"> </span>4)<span class=\"_ _128\"> </span>abschluss<span class=\"_ _128\"> </span>kung<span class=\"_ _128\"> </span>a) Direkte Beteiligungen<span class=\"_ _128\"> </span>\"AM\" Bau- und Geb<span class=\"_ _0\"></span>\u00e4udevermietung Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"LA\" Geb\u00e4udevermietung u<span class=\"_ _0\"></span>nd Bau - Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SG\" Geb\u00e4udevermietungsgesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SP\" Bau- und G<span class=\"_ _0\"></span>eb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>3 Banken-Generali Invest<span class=\"_ _0\"></span>ment-Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N20,57<span class=\"_ _128\"> </span>20,57<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span>V80,00<span class=\"_ _128\"> </span>80,00<span class=\"_ _128\"> </span>8.293<span class=\"_ _128\"> </span>8<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"_ _128\"> </span>ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> Q50,00<span class=\"_ _128\"> </span>50,00<span class=\"_ _128\"> </span>10.946<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnang<span class=\"_ _0\"></span>-Puchheim<span class=\"_ _128\"> </span>N49,00<span class=\"_ _128\"> </span>49,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-ED<span class=\"_ _0\"></span>V Gesellschaft mbH.)<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>339<span class=\"ls0\"> </span>-7<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"ls0\"> </span>GAIN CAPITAL PRIVATE E<span class=\"_ _0\"></span>QUITY III SCSp<span class=\"_ _128\"> </span>N36,97<span class=\"_ _128\"> </span>36,97<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> N33,11<span class=\"_ _128\"> </span>33,11<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembur<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>N58,69<span class=\"_ _128\"> </span>58,69<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad Hofgast<span class=\"_ _0\"></span>ein<span class=\"_ _128\"> </span>N32,62<span class=\"_ _128\"> </span>32,62<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>17.400<span class=\"_ _128\"> </span>1.123<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1.245<span class=\"_ _128\"> </span>-<span class=\"ls2\">337</span> 09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span>V6,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>2.081<span class=\"_ _128\"> </span>6<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>52.978<span class=\"_ _128\"> </span>16.485<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span>V0,10<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>8.505<span class=\"_ _128\"> </span>899<span class=\"ls0\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>48.080<span class=\"_ _128\"> </span>3.605<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava V15,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>09/2021<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N24,70<span class=\"_ _128\"> </span>24,70<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span><table class=\"s w4a4 h227\" id=\"_05365c28-dd36-456c-baa7-e88d3ce62a4e\"><tr><td class=\"c x174 y186e w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Samson \u010cesk\u00e9 Bud\u011bjovice spol. s.r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span></div></td><td class=\"c x1f4 y186e w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y186e w1d7 hd\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y186e w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y186f w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y186f w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1870 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2d ws0\">TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span></div></td><td class=\"c x1f4 y1870 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1870 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1870 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1871 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1871 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1872 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz </div></td><td class=\"c x1f4 y1872 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1872 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1872 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1873 w4a2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1873 w4a3 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1874 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1874 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1874 w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td class=\"c x1a0 y1874 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1874 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1875 w1d4 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">b) Indirekte Beteiligungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1876 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"ST\" BAU Errichtungs<span class=\"_ _0\"></span>- und Vermietungsgesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1876 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1876 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,90 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1877 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1877 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1878 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1878 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1878 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1878 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1879 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1879 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1879 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00 </div></td><td class=\"c x3ec y1879 w56 he\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.541 </div></td><td class=\"c x3ed y1879 w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.002 </div></td><td class=\"c x3ee y1879 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1879 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Garagen<span class=\"_ _0\"></span> GmbH, Linz </div></td><td class=\"c x1f4 y187a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y187a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">36<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187a w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x3ee y187a w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z </div></td><td class=\"c x1f4 y187b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187b w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">97,50 </div></td><td class=\"c x3ec y187b w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">548<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">82<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y187b w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y187c w4a5 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y187d w4a6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">registrierte Genossenschaft<span class=\"_ _0\"></span> mit beschr\u00e4nkter Haftung, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span></div></td><td class=\"c x1f4 y187e w56 he8\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187e w173 he8\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25,85 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187e wca he8\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling </div></td><td class=\"c x1f4 y187f w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187f w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,90 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1880 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1880 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1880 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1880 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1880 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">942<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1880 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1880 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1881 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z  </div></td><td class=\"c x1f4 y1881 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1881 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1881 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1881 w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3 </div></td><td class=\"c x3ee y1881 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1881 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1882 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1882 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1882 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">66<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1882 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1882 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1883 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Eugendorf <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1883 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1883 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1883 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1883 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">205<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1883 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1883 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1884 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH </div></td><td class=\"c x1f4 y1884 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1884 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90,00 </div></td><td class=\"c x3ec y1884 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1884 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td><td class=\"c x3ee y1884 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1884 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1885 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1885 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1885 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1885 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1885 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1885 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1885 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1886 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Goldkronach Beteiligungs<span class=\"_ _0\"></span> GmbH, Neu\u00f6tting </div></td><td class=\"c x1f4 y1886 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1886 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1886 w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y1886 w56 he\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2 </div></td><td class=\"c x3ee y1886 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1886 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1887 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  </div></td><td class=\"c x1f4 y1887 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1887 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1887 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1887 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">466<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1887 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1887 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1888 w1d4 he9\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals Oberbank Id<span class=\"_ _0\"></span>stein Immobilien-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasing GmbH), Neu\u00f6tting </div></td><td class=\"c x1f4 y1888 w56 he9\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1888 w173 he9\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1888 w56 he9\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1888 w56 he9\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3ee y1888 w11d he9\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1888 wca he9\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1889 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1889 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1889 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1889 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.275 </div></td><td class=\"c x3ed y1889 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">47<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1889 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1889 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">741<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188b w1d4 hea\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6t-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ting  </div></td><td class=\"c x1f4 y188b w56 hea\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188b w173 hea\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,00 </div></td><td class=\"c x3ec y188b w56 hea\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y188b w56 hea\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188b w11d hea\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188b wca hea\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Industrie und Handelsb<span class=\"_ _0\"></span>eteiligungsholding GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188c w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y188c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y17f8 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y17f8 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y188d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz </div></td><td class=\"c x1f4 y188d w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188d w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188d w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">69<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188d w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">459</span> </div></td><td class=\"c x3ee y188d w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188e w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz </div></td><td class=\"c x1f4 y188e w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188e w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188e w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188e w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.428 </div></td><td class=\"c x3ee y188e w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188e wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH Bayern, Neu\u00f6<span class=\"_ _0\"></span>tting </div></td><td class=\"c x1f4 y188f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.746 </div></td><td class=\"c x3ed y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.646 </div></td><td class=\"c x3ee y188f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1890 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF HOLZ, s.r.o., P<span class=\"_ _0\"></span>rag </div></td><td class=\"c x1f4 y1890 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1890 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1890 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.884 </div></td><td class=\"c x3ed y1890 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1890 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1890 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1891 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag </div></td><td class=\"c x1f4 y1891 w56 hd\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1891 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1891 w56 hd\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.581 </div></td><td class=\"c x3ed y1891 w56 hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">256<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1891 w11d hd\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1891 wca hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1892 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1892 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1892 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,80 </div></td><td class=\"c x3ec y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">45<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1892 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1892 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1893 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1893 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1893 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1893 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1893 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">235<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1893 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1893 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1894 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1894 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1894 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1894 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1894 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">557<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1894 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1894 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w4a7 h228\" id=\"_ffd7bab4-9187-4dad-ba6f-77f6f4e22ff1\"><tr><td class=\"c x1a7 y1895 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1895 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y1895 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e4 y1896 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1896 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1897 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x31c y1897 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1897 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1897 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1897 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">182<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1897 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1897 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1898 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenhof Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz </div></td><td class=\"c x31c y1898 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1898 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">87<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1898 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1898 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1899 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1899 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1899 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">75<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1899 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1899 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x31c y189a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189a w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x3e2 y189a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189b w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neustadt I<span class=\"_ _0\"></span>mmobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189c w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">53<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189c w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189c wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189d w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189d w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189d w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">372<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189d w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189d wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting </div></td><td class=\"c x31c y189e w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189e w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94,00 </div></td><td class=\"c x3e0 y189e w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3e1 y189e w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">22<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189e w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189e wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y189f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">27<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a0 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a0 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a0 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a0 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a0 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">26</span> </div></td><td class=\"c x3e2 y18a0 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a0 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a1 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a1 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a1 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a1 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a1 w56 he\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">10</span> </div></td><td class=\"c x3e2 y18a1 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a1 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a2 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz </div></td><td class=\"c x31c y18a2 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a2 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,00 </div></td><td class=\"c x3e0 y18a2 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">70<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a2 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">79</span> </div></td><td class=\"c x3e2 y18a2 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a2 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a3 w1d4 hec\"><div class=\"t m0 x7 h5 ybbf ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Im-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ybc0 ff4 fs2 fc2 sc0 ls0 ws0\">mobilienleasing GmbH), Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y18a3 w56 hec\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a3 w173 hec\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a3 w56 hec\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a3 w56 hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">118<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y18a3 w11d hec\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a3 wca hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a4 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Techno-<span class=\"ls43\">Z </span>Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Braun<span class=\"_ _0\"></span>au </div></td><td class=\"c x31c y18a4 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y18a4 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21,50 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y18a4 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y18a6 w4a8 h171\"><div class=\"t m0 x177 h16 y18a5 ff4 fs6 fc2 sc0 ls44 ws0\">*)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Konsolidi<span class=\"_ _5\"></span>erung im Konzerna<span class=\"_ _5\"></span>bschluss: V =<span class=\"_ _5\"></span> Vollk<span class=\"_ _5\"></span>onsolidierung, E = Be<span class=\"_ _5\"></span>wertung \"at equi<span class=\"_ _5\"></span>ty\", Q = ant<span class=\"_ _5\"></span>eilsm\u00e4\u00dfige Kons<span class=\"_ _5\"></span>olidierun<span class=\"_ _5\"></span>g, N = gem\u00e4\u00df IAS 27 in Verbind<span class=\"_ _5\"></span>ung mit Framework 29 <span class=\"_ _5\"></span>nicht i<span class=\"_ _5\"></span>n den Konzernabschlus<span class=\"_ _5\"></span>s einbezogen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a7 w4a9 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) <span class=\"_ _3d\"></span>verbundenes <span class=\"_ _3d\"></span>Unternehmen; <span class=\"_ _3d\"></span>2) <span class=\"_ _5\"></span>Ergebnisabf\u00fchr<span class=\"_ _5\"></span>ungsvertrag; <span class=\"_ _3d\"></span>3) <span class=\"_ _5\"></span>einschlie<span class=\"_ _5\"></span>\u00dflich <span class=\"_ _3d\"></span>unversteuerter <span class=\"_ _3d\"></span>R\u00fccklagen; <span class=\"_ _3d\"></span>4) Jah<span class=\"_ _5\"></span>res\u00fcberschu<span class=\"_ _5\"></span>ss <span class=\"_ _3d\"></span>gem<span class=\"_ _0\"></span>. \u00a7<span class=\"_ _5\"></span> <span class=\"_ _3d\"></span>231 Abs. <span class=\"_ _3d\"></span>2 <span class=\"_ _5\"></span>Z <span class=\"_ _3d\"></span>21 <span class=\"_ _5\"></span>UGB; <span class=\"_ _3d\"></span>5) <span class=\"_ _5\"></span>mittelbare <span class=\"_ _3d\"></span>Beteiligungen <span class=\"_ _3d\"></span>an <span class=\"_ _5\"></span>Kredit- <span class=\"_ _3d\"></span>und <span class=\"_ _5\"></span>Finanzinst<span class=\"_ _5\"></span>ituten <span class=\"_ _3d\"></span>wurden<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a9 w4aa h17a\"><div class=\"t m0 x177 h6 y18a8 ff4 fs4 fc2 sc0 ls0 ws0\">gem\u00e4\u00df \u00a7 <span class=\"ls1b\">30 </span>BWG b<span class=\"_ _5\"></span>erechne<span class=\"_ _5\"></span>t, mittel<span class=\"_ _5\"></span>bare Beteili<span class=\"_ _5\"></span>gungen an andere<span class=\"_ _5\"></span>n Unternehmen wurden <span class=\"_ _5\"></span>gem\u00e4\u00df UGB bere<span class=\"_ _5\"></span>chnet; 6)<span class=\"_ _5\"></span> von \u00a7 242 Abs. 2 UG<span class=\"_ _5\"></span>B wird Ge<span class=\"_ _5\"></span>brauch gemacht</div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-419": {
   "value": "F\u00fcr gemeinschaftliche T\u00e4tigkeiten (ALPENL\u00c4ND<span class=\"_ _0\"></span>ISCHE GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H.) wurd<span class=\"_ _0\"></span>e neben der Bilanzierung der eigenen Verm\u00f6genswerte, Schulden, Er<span class=\"_ _0\"></span>l\u00f6se und Aufwendungen die <span class=\"_ _0\"></span>anteilsm\u00e4\u00dfige Konso<span class=\"_ _0\"></span>lidierung angewandt<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Angaben zu gemeinsc<span class=\"_ _0\"></span>haftlichen T\u00e4tigkeiten<span class=\"_ _128\"> </span> Zu den Rechnungslegungsmeth<span class=\"_ _0\"></span>oden siehe Punkt 2) in den E<span class=\"_ _0\"></span>rl\u00e4uterungen (Notes) zum Kon<span class=\"_ _0\"></span>zernabschluss, Abschnitt Konsoli-<span class=\"_ _128\"> </span>dierungsmethoden. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-387": {
   "value": "F\u00fcr gemeinschaftliche T\u00e4tigkeiten (ALPENL\u00c4ND<span class=\"_ _0\"></span>ISCHE GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H.) wurd<span class=\"_ _0\"></span>e neben der Bilanzierung der eigenen Verm\u00f6genswerte, Schulden, Er<span class=\"_ _0\"></span>l\u00f6se und Aufwendungen die <span class=\"_ _0\"></span>anteilsm\u00e4\u00dfige Konso<span class=\"_ _0\"></span>lidierung angewandt<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Angaben zu gemeinsc<span class=\"_ _0\"></span>haftlichen T\u00e4tigkeiten<span class=\"_ _128\"> </span> Zu den Rechnungslegungsmeth<span class=\"_ _0\"></span>oden siehe Punkt 2) in den E<span class=\"_ _0\"></span>rl\u00e4uterungen (Notes) zum Kon<span class=\"_ _0\"></span>zernabschluss, Abschnitt Konsoli-<span class=\"_ _128\"> </span>dierungsmethoden. Angaben zu asso<span class=\"_ _0\"></span>ziierten Unternehmen<span class=\"_ _128\"> </span> Zu <span class=\"_ _76\"> </span>den <span class=\"_ _76\"> </span>Rechnungslegungsmethoden <span class=\"_ _76\"> </span>siehe <span class=\"_ _76\"> </span>Punkt <span class=\"_ _76\"> </span>2) <span class=\"_ _76\"> </span>in <span class=\"_ _3c\"> </span>d<span class=\"_ _0\"></span>en <span class=\"_ _3c\"> </span>Erl\u00e4uterungen <span class=\"_ _76\"> </span>(Not<span class=\"_ _0\"></span>es) <span class=\"_ _3c\"> </span>zu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span> <span class=\"_ _76\"> </span>Konzernabschluss, <span class=\"_ _76\"> </span>Abschnitt  Konsolidierungsmethod<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-388": {
   "value": "2.5) Unternehmenserwerb<span class=\"_ _0\"></span>e Mit 1. J\u00e4nner 2022 wurde die Oberb<span class=\"_ _0\"></span>ank Frank Immobilienleasing GmbH erwo<span class=\"_ _0\"></span>rben.  Dabei handelt es sich um eine <span class=\"_ _1\"></span> Immobilienleasinggesellschaft, die gem\u00e4\u00df IFRS 3 i<span class=\"_ _0\"></span>m Gesch\u00e4ftsjahr<span class=\"_ _0\"></span> 2022 erstmalig in den Konzernabschluss einb<span class=\"_ _0\"></span>ezogen wurde. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-495": {
   "value": "2.6) Ermessensen<span class=\"_ _0\"></span>tscheidungen, Annahmen und Sch\u00e4tzung<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Im vorliegenden Konzernab<span class=\"_ _0\"></span>schluss sind Werte enthalten, deren H\u00f6he durch Ermessensent<span class=\"_ _0\"></span>scheidungen, Annah<span class=\"_ _0\"></span>men und <span class=\"_ _0\"></span> Sch\u00e4tzungen best<span class=\"_ _0\"></span>immt wurde. Diese Annahmen und<span class=\"_ _0\"></span> Sch\u00e4tzungen beruhen auf Erfahrungen aus der Vergan<span class=\"_ _0\"></span>genheit, auf <span class=\"_ _0\"></span> Planungen und auf n<span class=\"_ _0\"></span>ach heutigem Ermessen wahrscheinlichen Progn<span class=\"_ _0\"></span>osen f\u00fcr das Eintreten k\u00fcnftiger Ereignisse.<span class=\"_ _1\"></span> Die Ermessensentscheidun<span class=\"_ _0\"></span>gen, Annahmen und Sch\u00e4<span class=\"_ _0\"></span>tzungen betreffen im vor<span class=\"_ _0\"></span>liegenden Konzernabschluss im Wesentlichen<span class=\"_ _128\"> </span>folgende Sachverhalte: <span class=\"_ _7\"> </span> Risikovorsorgen<span class=\"_ _128\"> </span>Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch die Struktur der Qualit<span class=\"_ _0\"></span>\u00e4t des Kreditportfo<span class=\"_ _0\"></span>lios bestimmt. Dar\u00fcber hinaus ist es f\u00fcr die Ermittlung des Wert<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>minderungsaufwands erforderlich, H\u00f6h<span class=\"_ _0\"></span>e und Zeitpunkt zu<span class=\"_ _0\"></span>k\u00fcnftige<span class=\"_ _5\"></span>r Zahlungsstr\u00f6me zu sch\u00e4t<span class=\"_ _0\"></span>zen. N\u00e4here Details sind<span class=\"_ _128\"> </span>unter 2.8) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e und Verpflichtungen sowie S<span class=\"_ _0\"></span>icherungsbeziehungen s<span class=\"_ _0\"></span>owie im Risikobericht in <span class=\"_ _0\"></span> Note 43 ff (Kreditrisiko) enthalten.<span class=\"_ _0\"></span> Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span>Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span>aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span>steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span>Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> Wertminderungen b<span class=\"_ _0\"></span>ei Anteilen an at Equity<span class=\"_ _0\"></span>-Unternehmen<span class=\"_ _128\"> </span>Wenn objektive Hinweise auf eine Wertmind<span class=\"_ _0\"></span>erung bei einem Anteil an at Equity<span class=\"_ _0\"></span>-U<span class=\"_ _0\"></span>nternehmen vorliegen, wird auf Basis<span class=\"_ _128\"> </span>gesch\u00e4tzter zuk\u00fcn<span class=\"_ _0\"></span>ftiger Zahlungsstr\u00f6me der erzielbare Betrag ermittelt (siehe auch No<span class=\"_ _0\"></span>te 2.10). Der Pr\u00fcfungsanlass ist  <span class=\"_ _0\"></span> gegeben, wenn entwed<span class=\"_ _0\"></span>er der Marktwert um mindestens 20 % unter die An<span class=\"_ _0\"></span>schaffungskosten sinkt oder wenn der Markt-<span class=\"_ _128\"> </span>wert dauerhaft mindest<span class=\"_ _0\"></span>ens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von neun Monaten unter den Anschaffungskosten liegt. D<span class=\"_ _0\"></span>etails zu den<span class=\"_ _128\"> </span>Buchwerten von Ant<span class=\"_ _0\"></span>eilen an at Equity-Unt<span class=\"_ _0\"></span>ernehmen werden in Note 17 (Finanzanlagen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span>Wertminderung b<span class=\"_ _0\"></span>ei Schuldtiteln<span class=\"_ _128\"> </span>Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass bei Schuldtiteln ist gegeben, wenn d<span class=\"_ _0\"></span>er Marktwert um mindestens 20 % unter d<span class=\"_ _0\"></span>ie Anschaffungskosten sinkt u<span class=\"_ _0\"></span>nd dies dauerhaft \u00fcber einen Zeitraum von<span class=\"_ _0\"></span> neun Monaten der Fall ist.<span class=\"_ _0\"></span> Zu jedem Bilanzstichtag w<span class=\"_ _0\"></span>ird gepr\u00fcft, ob ein Ereignis eingetreten <span class=\"_ _0\"></span>ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungs-<span class=\"_ _128\"> </span>str\u00f6me hat und sich verl\u00e4sslich ermitteln l\u00e4sst<span class=\"_ _0\"></span>. Wird festgestellt, dass eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten<span class=\"_ _128\"> </span>innerhalb der geplant<span class=\"_ _0\"></span>en Behaltefrist nicht zu erwarten ist, liegt Impairment vor.<span class=\"_ _0\"></span> Nutzungsdauern<span class=\"_ _0\"></span> beim Anlageverm\u00f6gen<span class=\"_ _128\"> </span>Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng von Sachanlagen und immateriellen Verm\u00f6gensgegenst\u00e4n<span class=\"_ _0\"></span>den erfolgt linear auf Basis d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauern. Details zu den Buchwerten w<span class=\"_ _0\"></span>erden in Note 18 (Immaterielles An<span class=\"_ _0\"></span>lageverm\u00f6gen) und<span class=\"_ _128\"> </span>Note 19 (Sachanlagen) dar<span class=\"_ _0\"></span>gestellt.<span class=\"_ _128\"> </span>Steuerabgrenzung<span class=\"_ _128\"> </span>Die Berechnung erfolgt bei jedem Steuersu<span class=\"_ _0\"></span>bjekt zu den Steuers\u00e4tzen, d<span class=\"_ _0\"></span>ie erwartungsgem\u00e4\u00df in dem Besteuerungszeit-<span class=\"_ _128\"> </span>raum angewandt<span class=\"_ _0\"></span> werden, in dem sich die Steuerlatenz umkehrt. F\u00fcr Verlust<span class=\"_ _0\"></span>vortr\u00e4ge werd<span class=\"_ _0\"></span>en aktive latente Steuern nur angesetzt, wenn es wahr<span class=\"_ _0\"></span>scheinlich ist, dass in Zukunft mit steuerbaren Gewinnen in<span class=\"_ _0\"></span> entsprechender H\u00f6he zu rechnen<span class=\"_ _128\"> </span>ist. Angaben zu den latent<span class=\"_ _0\"></span>en Steuern sind in Note 21 (Sonstige Aktiva) dargestellt.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> Personalr\u00fcckstellungen<span class=\"_ _128\"> </span>Diese werden auf Basis von v<span class=\"_ _0\"></span>ersicherungsmathematischen Gutachten ermitt<span class=\"_ _0\"></span>elt. Dabei werden neben den bekannten <span class=\"_ _1\"></span> Renten und erworb<span class=\"_ _0\"></span>enen Anwartschaften auch die zuk\u00fcn<span class=\"_ _0\"></span>ftig zu erwartenden Erh\u00f6hungen an Geh\u00e4ltern und Renten <span class=\"_ _0\"></span> einbezogen. In Note 25 (R\u00fc<span class=\"_ _0\"></span>ckstellungen) werden die wesent<span class=\"_ _0\"></span>lichen versicherungsmathematischen A<span class=\"_ _0\"></span>nnahmen sowie eine<span class=\"_ _128\"> </span>Sensitivit\u00e4tsanalyse bei \u00c4nd<span class=\"_ _0\"></span>erung ma\u00dfgeblicher versicherungsmathematischer Annah<span class=\"_ _0\"></span>men angegeben.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> R\u00fcckstellungen<span class=\"_ _128\"> </span>Bei der Bemessung von R\u00fc<span class=\"_ _0\"></span>ckstellungen sind Sch\u00e4tzungen bez\u00fcglich der H\u00f6<span class=\"_ _0\"></span>he und der F\u00e4lligkeit vo<span class=\"_ _0\"></span>n zuk\u00fcnftigen Zahlungsstr\u00f6men erforderlich. Det<span class=\"_ _0\"></span>ails werden in Note 25 (R\u00fcckstellungen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span> <span class=\"_ _7\"> </span> Rechtsstreitigkeiten der 3 Banken mit der UniCredit Bank Au<span class=\"_ _0\"></span>stria AG und der CABO Beteiligungsgesellschaft m.<span class=\"_ _0\"></span>b.H.:<span class=\"_ _1\"></span> Die UniCredit Ban<span class=\"_ _0\"></span>k Austria AG und die CABO Beteiligungsgesellschaft m.b<span class=\"_ _0\"></span>.H. (gemeinsam kurz: UniCredit) h<span class=\"_ _0\"></span>aben in der<span class=\"_ _128\"> </span>Hauptversammlung der Oberb<span class=\"_ _0\"></span>ank im Mai 2019 den Antrag gestellt, einen<span class=\"_ _0\"></span> dritten ihnen zuzurechnenden V<span class=\"_ _0\"></span>ertreter in den<span class=\"_ _128\"> </span>Aufsichtsrat der Oberban<span class=\"_ _0\"></span>k zu w\u00e4hlen. Dieser Antrag fan<span class=\"_ _0\"></span>d keine Zustimmung. Die UniCredit hat in der Folge eine Klage auf<span class=\"_ _128\"> </span>Anfechtung einzelner Hauptversammlungsbeschl\u00fc<span class=\"_ _0\"></span>sse erhoben. Das diesbez\u00fcgliche Verfahren<span class=\"_ _0\"></span> wurde am 20. Dezember 2019<span class=\"_ _128\"> </span>geschlossen. Nachdem das Landesgericht Linz s\u00e4mtliche<span class=\"_ _0\"></span> Klagebegehren der Un<span class=\"_ _0\"></span>iCredit negativ beschieden hatte, h<span class=\"_ _0\"></span>at das OLG Linz diese<span class=\"_ _128\"> </span>Entscheidung insofern revidiert, als d<span class=\"_ _0\"></span>ie von der Hauptversammlung im Mai 2019 beschlossen<span class=\"_ _0\"></span>e Reduktion der <span class=\"_ _0\"></span> KapitalvertreterInnen von zw\u00f6<span class=\"_ _0\"></span>lf auf elf f\u00fcr nichtig erkl\u00e4rt wurde. Dem F<span class=\"_ _0\"></span>eststellungbegehren d<span class=\"_ _0\"></span>er UniCredit auf Wahl des von<span class=\"_ _128\"> </span>ihr nominierten Kandidat<span class=\"_ _0\"></span>en wurde jedoch nicht stattgegeben. Dieses Urteil ist in<span class=\"_ _0\"></span>zwischen rechtskr\u00e4ftig. Es h<span class=\"_ _0\"></span>at abgesehen<span class=\"_ _128\"> </span>von der best\u00e4tigten Nichtw<span class=\"_ _0\"></span>ahl des von UniCredit beantragten Kandidaten keine weitere<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span> rechtlichen Auswirkungen. Rele-<span class=\"_ _128\"> </span>vante bilanzielle Auswirkungen dieses Verfahr<span class=\"_ _0\"></span>ens sind nicht erkennbar.<span class=\"_ _0\"></span> Ende Dezember 2019 hat<span class=\"_ _0\"></span> die UniCredit die Einberufung einer au\u00dferordent<span class=\"_ _0\"></span>lichen Hauptversammlung der Aktion\u00e4rInnen der<span class=\"_ _128\"> </span>Oberbank AG beantragt,<span class=\"_ _0\"></span> die am 4. Februar<span class=\"_ _0\"></span> 2020 stattfand. Die Antr\u00e4ge der UniCredit (Sond<span class=\"_ _0\"></span>erpr\u00fcfung der Oberbank<span class=\"_ _0\"></span>-Kapital-<span class=\"_ _128\"> </span>erh\u00f6hungen seit 1989, Beendigun<span class=\"_ _0\"></span>g eines Schiedsverfahrens mit der G<span class=\"_ _0\"></span>enerali<span class=\"_ _0\"></span>-3 Banken-Holding) fanden<span class=\"_ _0\"></span> keine Zustimmung.<span class=\"_ _128\"> </span>Auch in der ordentlichen Hau<span class=\"_ _0\"></span>ptversammlung am 20. Mai 2020<span class=\"_ _0\"></span> stellte die UniCredit Antr<span class=\"_ _0\"></span>\u00e4ge auf Durchf\u00fchrung von <span class=\"_ _0\"></span> Sonderpr\u00fcfungen, die jedo<span class=\"_ _0\"></span>ch keine Mehrheit fanden. Die UniCredit hat einerseits An<span class=\"_ _0\"></span>fechtungsklage gegen diese Beschl\u00fcsse<span class=\"_ _128\"> </span>eingebracht. Andererseits hat sie bez\u00fcglich des Antrags a<span class=\"_ _0\"></span>uf Sonderpr\u00fcfung aus der a<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>\u00dferordentlichen Hauptversammlung<span class=\"_ _128\"> </span>2020 im Zusammenhang mit d<span class=\"_ _0\"></span>en Kapitalerh\u00f6hungen der BKS Bank AG <span class=\"_ _0\"></span>(kurz: BKS) beziehungsweise der Bank f\u00fcr<span class=\"_ _0\"></span> Tirol und<span class=\"_ _128\"> </span>Vorarlberg AG (kurz: BTV) im Jahr 2018 u<span class=\"_ _0\"></span>nd bez\u00fcglich einiger abgelehnter Sond<span class=\"_ _0\"></span>erpr\u00fcfungsthemen aus der ordent<span class=\"_ _1\"></span>lichen<span class=\"_ _128\"> </span>Hauptversammlung 2020 einen gerichtlichen An<span class=\"_ _0\"></span>trag auf Sonderpr\u00fcfun<span class=\"_ _0\"></span>g gestellt.<span class=\"_ _128\"> </span>Der von UniCredit gestellte gerichtliche Ant<span class=\"_ _0\"></span>rag auf Sonderpr\u00fcfung w<span class=\"_ _0\"></span>urde vom Landesgericht Linz teilweise abgewiesen und<span class=\"_ _0\"></span> hinsichtlich der \u00fcbrigen Themen das<span class=\"_ _0\"></span> Verfahren bis zu<span class=\"_ _0\"></span>r Erledigung des anh\u00e4ngigen Zivilprozesses betreffend<span class=\"_ _0\"></span> die Anfechtungs-<span class=\"_ _128\"> </span>klage gegen Beschl\u00fcsse der ordentlichen Haup<span class=\"_ _0\"></span>tversammlung 2020 unt<span class=\"_ _0\"></span>erbrochen.<span class=\"_ _128\"> </span>Die Anfechtungsverfahren wu<span class=\"_ _0\"></span>rden bis zur Kl\u00e4rung \u00fcbernahmerechtlicher Vo<span class=\"_ _0\"></span>rfragen unterbrochen.<span class=\"_ _0\"></span> Die UniCredit hat End<span class=\"_ _0\"></span>e Februar 2020 Antr\u00e4ge bei der \u00dcbernahmekommission gestellt, mit denen \u00fcb<span class=\"_ _0\"></span>erpr\u00fcft werden soll, ob<span class=\"_ _128\"> </span>die bei den 3 Banken b<span class=\"_ _0\"></span>estehenden Aktion\u00e4rssyndikate eine \u00fcbernahmerechtliche An<span class=\"_ _0\"></span>gebotspflicht verletzt haben. Die<span class=\"_ _128\"> </span>Oberbank AG ist von d<span class=\"_ _0\"></span>iesen Verfahren als Mitglied d<span class=\"_ _0\"></span>er Syndikate bei der BTV und b<span class=\"_ _0\"></span>ei der BKS unmittelbar betroffen. Die<span class=\"_ _128\"> </span>Syndikate der BTV und BKS w<span class=\"_ _0\"></span>urden mit nach wie vor g\u00fcltigen Bescheiden der \u00dcbern<span class=\"_ _0\"></span>ahmekommission aus dem Jahr 2003<span class=\"_ _128\"> </span>genehmigt. Die UniCredit erhebt d<span class=\"_ _0\"></span>en Einwand, dass sich<span class=\"_ _0\"></span> seitdem die Zusammensetzung u<span class=\"_ _0\"></span>nd Willensbildung der Syndikate<span class=\"_ _128\"> </span>ver\u00e4ndert sowie diese insgesamt seit d<span class=\"_ _0\"></span>em Jahr 2003 ihr Stimmgewicht in \u00fcb<span class=\"_ _0\"></span>ernahmerechtlich relevanter Weise ausgebaut<span class=\"_ _128\"> </span>h\u00e4tten und dadurch eine Angebo<span class=\"_ _0\"></span>tspflicht ausgel\u00f6st worden<span class=\"_ _0\"></span> w\u00e4re.<span class=\"_ _128\"> </span>Dazu haben zwischen<span class=\"_ _0\"></span> dem 27. September 2020 und<span class=\"_ _0\"></span> dem 1. Oktober 2020 drei Verhandlu<span class=\"_ _0\"></span>ngstage mit umfangreichen Zeu-<span class=\"_ _128\"> </span>geneinvernahmen vor der \u00dcbernahmekommission<span class=\"_ _0\"></span> stattgefunden. Die Ent<span class=\"_ _0\"></span>scheidung steht nach wie vor aus.<span class=\"_ _0\"></span> Der Vorstand geht nach<span class=\"_ _0\"></span> sorgf\u00e4ltiger Pr\u00fcfung unter Beiziehung<span class=\"_ _0\"></span> externer Expert<span class=\"_ _0\"></span>en davon aus, dass diese \u00fcbernahmerechtliche<span class=\"_ _128\"> </span>Pr\u00fcfung zu keiner Angebotsp<span class=\"_ _0\"></span>flicht f\u00fchren wird.<span class=\"_ _128\"> </span>Gegen die Beschl\u00fcsse der Hauptv<span class=\"_ _0\"></span>ersammlung vom 11. Mai 2021 wurden kein<span class=\"_ _0\"></span>e Anfechtungen erhoben<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Gegen die Beschl\u00fcsse der Hauptv<span class=\"_ _0\"></span>ersammlung vom 17. Mai <span class=\"_ _0\"></span>2022 wurden keine An<span class=\"_ _0\"></span>fechtungen erhoben.<span class=\"_ _128\"> </span>Ende Juni 2021 h<span class=\"_ _0\"></span>at UniCredit neue Unterlassungs<span class=\"_ _0\"></span>- und Feststellungsklagen b<span class=\"_ _0\"></span>eim Landesgericht Linz eingebracht<span class=\"_ _0\"></span>. Im Wesent-<span class=\"_ _128\"> </span>lichen geht es um die Feststellung, d<span class=\"_ _0\"></span>ass die Beschl\u00fcsse des Vorstan<span class=\"_ _0\"></span>ds der Oberbank AG auf Durchf\u00fc<span class=\"_ _1\"></span>hrung der letzten 4 Kapi-<span class=\"_ _128\"> </span>talerh\u00f6hungen der Oberban<span class=\"_ _0\"></span>k AG und die Beschl\u00fcsse zur Leistung von Zusch\u00fcssen<span class=\"_ _0\"></span> an die Generali 3Banken Holding AG f\u00fcr<span class=\"_ _128\"> </span>die Kapitalerh\u00f6hun<span class=\"_ _0\"></span>gen der 3 Banken nichtig seien, und dass es der Vorstand in<span class=\"_ _0\"></span> Zukunft unterlassen solle, derartige Z<span class=\"_ _1\"></span><span class=\"ls6\">u-<span class=\"_ _128\"> </span></span>sch\u00fcsse zu leisten oder A<span class=\"_ _0\"></span>ktion\u00e4ren, die mit der Oberbank AG wechselseitig beteiligungsm\u00e4\u00dfig <span class=\"_ _0\"></span>verbunden sind, Aktien im<span class=\"_ _128\"> </span>Zuge von Kapitalerh\u00f6hun<span class=\"_ _0\"></span>gen zuzuteilen. <span class=\"_ _7\"> </span> Seitens der UniCred<span class=\"_ _0\"></span>it wurden inhaltlich gleichartige Klagen auch gegen BKS und BT<span class=\"_ _0\"></span>V eingebracht, d<span class=\"_ _0\"></span>enen die Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _128\"> </span>jeweils als Nebenintervenientin beigetreten ist<span class=\"_ _0\"></span>. Im gegen die BTV gef\u00fchrten Verfahr<span class=\"_ _0\"></span>en wurde die Klage bereits erst<span class=\"_ _0\"></span>- <span class=\"ls6\">und<span class=\"_ _128\"> </span></span>zweitinstanzlich vollinhaltlich abgewiesen, sod<span class=\"_ _0\"></span>ass dieses Verfahren bereits in dritter und letzter Instanz beim OGH<span class=\"_ _1\"></span> anh\u00e4ngig<span class=\"_ _128\"> </span>ist. Vor diesem Hintergrund<span class=\"_ _0\"></span> haben sich die Uni<span class=\"_ _0\"></span>Credit und die Oberbank AG mittlerweile darauf geeinigt, im gegen die<span class=\"_ _128\"> </span>Oberbank AG gef\u00fchrten<span class=\"_ _0\"></span> Verfahren vorl\u00e4ufig einfaches Ruhen eintreten zu lassen, und<span class=\"_ _0\"></span> die Entscheidung des OGH im Verfah-<span class=\"_ _128\"> </span>ren gegen die BTV abzu<span class=\"_ _0\"></span>warten. Der Vorstand der Oberbank A<span class=\"_ _0\"></span>G sieht nach sorgf\u00e4ltiger Pr\u00fcfung bei diesem Verfahren wie b<span class=\"_ _0\"></span>ei allen anderen anh\u00e4ngigen Ver-<span class=\"_ _128\"> </span>fahren mit der UniCredit keine bedeut<span class=\"_ _0\"></span>samen bilanziellen Auswirkungen.<span class=\"_ _0\"></span> Leasingverh\u00e4ltnisse<span class=\"_ _128\"> </span>Als Leasinggeber sind in diesem Bereich Er<span class=\"_ _0\"></span>messensentscheidungen insbeson<span class=\"_ _0\"></span>dere bei der Unterscheidung von<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> Finanzierungsleasing einerseits und<span class=\"_ _0\"></span> Operate Leasing andererseits notwendig. Als Kriterium gilt nach IFRS 16.62 die \u00dcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span>tragung von im Wesentlichen s\u00e4mt<span class=\"_ _0\"></span>lichen Risiken und Ch<span class=\"_ _0\"></span>ancen vom Leasinggeber au<span class=\"_ _0\"></span>f den Leasingnehmer. Detailangab<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>sind in Note 14 (Forderungen an Kunden<span class=\"_ _0\"></span>) und Note 19 (Sachanlagen) enth<span class=\"_ _0\"></span>alten.<span class=\"_ _128\"> </span>2.7) W\u00e4hrungsumrechnung u<span class=\"_ _0\"></span>nd Konzernw\u00e4hrung<span class=\"_ _0\"></span> Die W\u00e4hrungsumr<span class=\"_ _0\"></span>echnung erfolgt nach den Vorschriften des IAS 21. Danach w<span class=\"_ _0\"></span>erden nic<span class=\"_ _0\"></span>ht auf Euro lautende mon<span class=\"_ _0\"></span>et\u00e4re Verm\u00f6genswerte und Schuld<span class=\"_ _0\"></span>en mit marktgerechten Kursen am Bilanzsticht<span class=\"_ _0\"></span>ag in Euro umgerechnet. No<span class=\"_ _0\"></span>ch nicht abgewickelte<span class=\"_ _128\"> </span>Termingesch\u00e4fte werden zum Terminku<span class=\"_ _0\"></span>rs am Bilanzstichtag umgerechnet. Die Umrechnun<span class=\"_ _0\"></span>g der auf ausl\u00e4ndische W\u00e4h<span class=\"_ _1\"></span>rung<span class=\"_ _128\"> </span>lautenden Jahresabsch<span class=\"_ _0\"></span>l\u00fcsse von ausl\u00e4ndischen Tochtergesellschaften w<span class=\"_ _0\"></span>urde f\u00fcr die Bilanz mit dem Devisenmittelkur<span class=\"_ _0\"></span>s der<span class=\"_ _128\"> </span>EZB am Bilanzstichtag, f\u00fcr d<span class=\"_ _0\"></span>ie Gewinn- und Verlust<span class=\"_ _0\"></span>-Rechnung mit dem Jahresdurchschnittskurs v<span class=\"_ _0\"></span>orgenommen. Der <span class=\"_ _0\"></span> Konzernabschluss wird i<span class=\"_ _0\"></span>n Euro aufgestellt<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>2.8) Finanzielle Verm\u00f6gen<span class=\"_ _0\"></span>swerte und Verpflichtungen sowie Sicherun<span class=\"_ _0\"></span>gsbeziehungen<span class=\"_ _0\"></span> Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt einen E<span class=\"_ _0\"></span>instufungs- und Bewertun<span class=\"_ _0\"></span>gsansatz f\u00fcr finanzielle Verm\u00f6genswerte, welcher d<span class=\"_ _0\"></span>as Gesch\u00e4ft<span class=\"_ _0\"></span>smodell, in<span class=\"_ _128\"> </span>dessen Rahmen Verm\u00f6gensw<span class=\"_ _0\"></span>erte gehalten werden, sowie die Eigenschaften ihrer Cas<span class=\"_ _0\"></span>hflows (Zahlungsstrombedingung) <span class=\"_ _0\"></span> widerspiegelt.<span class=\"_ _128\"> </span>Gesch\u00e4ftsmodell<span class=\"_ _128\"> </span>Es werden die Klassen von<span class=\"_ _0\"></span> finanziellen Verm\u00f6genswerten in Hinsicht a<span class=\"_ _0\"></span>uf die <span class=\"_ _0\"></span>Gesch\u00e4ftsstrat<span class=\"_ _0\"></span>egie sowie m\u00f6glicher Verkaufs-<span class=\"_ _128\"> </span>absichten analys<span class=\"_ _0\"></span>iert und daraus die Gesch\u00e4ftsmodelle abgeleitet. Im Wertpap<span class=\"_ _0\"></span>ierportfolio liegt eine Behalteabsicht vor und<span class=\"_ _128\"> </span>somit wird dieses Port<span class=\"_ _0\"></span>folio dem Gesch\u00e4ftsmodell Hold To Collect zugewiesen. Wertp<span class=\"_ _0\"></span>apiere, <span class=\"_ _0\"></span>die erfolgsneutral zum b<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>zulegenden Zeitwert bew<span class=\"_ _0\"></span>ertet werden,<span class=\"fc3\"> </span>werden d<span class=\"_ _0\"></span>em Gesch\u00e4ftsmodell Hold and Sell zugewiesen. Wertp<span class=\"_ _0\"></span>apiere des Handels-<span class=\"_ _128\"> </span>buchs wurden dem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell Sell zugewiesen. Das Kreditgesch\u00e4ft h<span class=\"_ _0\"></span>ingegen wird<span class=\"_ _0\"></span><span class=\"fc3\"> </span>zur G\u00e4nze der Kategor<span class=\"_ _0\"></span>ie Hold To<span class=\"_ _128\"> </span>Collect zugewiesen. Die klare Halt<span class=\"_ _0\"></span>eabsicht l\u00e4sst sich aus d<span class=\"_ _0\"></span>er Unternehmensstrategie der Oberbank AG ableiten. Die in der <span class=\"_ _1\"></span> Vergangenheit get\u00e4tigten Abg\u00e4n<span class=\"_ _0\"></span>ge bewegen sich in einem nicht sign<span class=\"_ _0\"></span>ifikanten Bereich.<span class=\"_ _0\"></span> Zahlungsstrombedingung<span class=\"_ _128\"> </span>In der Analyse der Zah<span class=\"_ _0\"></span>lungsstrombedingung (SPPI<span class=\"_ _0\"></span>-Kriterien) werden Vertrags- u<span class=\"_ _0\"></span>nd Zinsklauseln u<span class=\"_ _0\"></span>ntersucht, deren Bedingungen zu festgelegten Zahlun<span class=\"_ _0\"></span>gen f\u00fchren, die ausschlie\u00dflich Tilgungen un<span class=\"_ _0\"></span>d Zinsen auf den ausstehenden Kapit<span class=\"_ _0\"></span>albetrag <span class=\"_ _0\"></span> darstellen. Es werden<span class=\"_ _0\"></span> dabei vor allem Kredite mit SPPI-sch\u00e4dlichen Zin<span class=\"_ _0\"></span>sklauseln identifiziert, d<span class=\"_ _0\"></span>ie mit inkongruenten Zinskomponenten<span class=\"_ _128\"> </span>ausgestattet sind bzw. M<span class=\"_ _0\"></span>ischzinss\u00e4tze darstellen. Allerdings wird in der Cashflowanalyse kein signifikan<span class=\"_ _0\"></span>ter Unterschied zu<span class=\"_ _128\"> </span>Standardkreditvertr\u00e4g<span class=\"_ _0\"></span>en festgestellt, womit diese Kredite auch in Zukunft<span class=\"_ _0\"></span> zu fortgef\u00fchrten Anschaffungskosten bewert<span class=\"_ _0\"></span>et <span class=\"_ _0\"></span> werden. Somit enth\u00e4lt<span class=\"_ _0\"></span> der \u00fcberwiegende Anteil des Kreditportfolios keine SPPI<span class=\"_ _0\"></span>-sch\u00e4dlichen Vert<span class=\"_ _0\"></span>ragsbestandteile. <span class=\"_ _7\"> </span>Die Durchf\u00fchrung eines Cashflow<span class=\"_ _0\"></span>tests h\u00e4ngt in<span class=\"_ _0\"></span> erster Linie von der Zinskondition d<span class=\"_ _0\"></span>er Gesch\u00e4fte ab. Liegt eine SPPI-<span class=\"_ _0\"></span> sch\u00e4dliche Zinsklausel vor,<span class=\"_ _0\"></span> wird ein quantitativer Benchmarktest durchgef\u00fchrt. D<span class=\"_ _0\"></span>as Ergebnis des quantitativen Benchmark-<span class=\"_ _128\"> </span>tests f\u00fchrt zur finalen E<span class=\"_ _0\"></span>instufung des Verm\u00f6genswerts. Bei Nicht<span class=\"_ _0\"></span>-Bestehen d<span class=\"_ _0\"></span>es Benchmarktests wird der Verm\u00f6genswert<span class=\"_ _128\"> </span>erfolgswirksam zum beizulegenden<span class=\"_ _0\"></span> Zeitwert bewertet.<span class=\"_ _0\"></span> Im Rahmen des qu<span class=\"_ _0\"></span>antitativen Benchmarktests wird dabei auf Grundlage des Verm\u00f6gensw<span class=\"_ _0\"></span>erts mit SPPI<span class=\"_ _0\"></span>-sch\u00e4dlicher Zin<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>kondition ein Benchmarkpro<span class=\"_ _0\"></span>dukt erzeugt, d<span class=\"_ _0\"></span>essen Zinslaufzeit mit der Zinsperiode \u00fcb<span class=\"_ _0\"></span>ereinstimmt. Dabei werden die <span class=\"_ _0\"></span> undiskontierten Cashflo<span class=\"_ _0\"></span>ws beider Produkte in unterschiedlichen Zinsszenar<span class=\"_ _0\"></span>ien sowohl kumulativ als auch periodisch <span class=\"_ _1\"></span> miteinander verglichen, um festzustellen, ob d<span class=\"_ _0\"></span>ie Abweichungen einen<span class=\"_ _0\"></span> kritischen Schwellenwert<span class=\"_ _0\"></span> \u00fcbersteigen.<span class=\"_ _128\"> </span>Davon ausgenommen sind<span class=\"_ _0\"></span> SPPI-sch\u00e4dliche Zinskond<span class=\"_ _0\"></span>itionen, die aufgrund von F\u00f6rd<span class=\"_ _0\"></span>errichtlinien gesetzlich vorgeschrieben<span class=\"_ _128\"> </span>sind. F\u00fcr Gesch\u00e4fte, f\u00fcr die hinreichend<span class=\"_ _0\"></span> sicher davon ausgegangen werden kann, das<span class=\"_ _0\"></span>s die Modifikati<span class=\"_ _0\"></span><span class=\"ff9\">on der Ko<span class=\"_ _0\"></span>mponente \u201eZeitwert<span class=\"_ _128\"> </span></span>des Geldes\u201c lediglich von unt<span class=\"_ _0\"></span>ergeordneter Bedeutung sein kann, kommt in Erg\u00e4n<span class=\"_ _0\"></span>zung vereinfachend ein qualitativer <span class=\"_ _0\"></span><span class=\"ff4\"> </span>Benchmarktest zur Anw<span class=\"_ _0\"></span>endung. Dies ist in erster Linie bei folgenden Sach<span class=\"_ _0\"></span>verhalten der Fall:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Gesch\u00e4ft hat keine b<span class=\"_ _0\"></span>estimmte Kapitalbindun<span class=\"_ _0\"></span>g;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Fixing findet einige wenige Tage vo<span class=\"_ _0\"></span>r Beginn der Zinsperiode statt.<span class=\"_ _0\"></span> </span></span>Bewertungskategorien<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt drei wichtige Einstu<span class=\"_ _0\"></span>fungskategorien f\u00fcr finanzielle Verm\u00f6genswerte: zu for<span class=\"_ _0\"></span>tgef\u00fchrten Anschaffungskosten <span class=\"_ _1\"></span> bewertet (AC), zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust bewertet (FV/<span class=\"_ _0\"></span>PL) sowie zum beizulegenden Zeitwert mit<span class=\"_ _128\"> </span>Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis bewertet (FV/OCI). Werden fin<span class=\"_ _0\"></span>anzielle Verm\u00f6genswerte in einem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell<span class=\"_ _128\"> </span>gehalten, dessen Zielsetzung d<span class=\"_ _0\"></span>as Behalten der V<span class=\"_ _0\"></span>erm\u00f6genswerte ist, und repr\u00e4sentieren diese finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>den Anspruch auf Zins<span class=\"_ _0\"></span>- und Tilgungszahlun<span class=\"_ _0\"></span>gen zu vorgegebenen Terminen (SPPI<span class=\"_ _0\"></span>-Kriterien), so sind diese mit den<span class=\"_ _0\"></span> fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten zu bewerten. Unter bestimmten V<span class=\"_ _0\"></span>oraussetzungen ist eine Designat<span class=\"_ _0\"></span>ion zur Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Bewertung m\u00f6glich.  <span class=\"_ _0\"></span>Dies ist in der Oberbank dann d<span class=\"_ _0\"></span>er Fall, wenn eine Absicherung von Grundgesch\u00e4ften mit Deriva<span class=\"_ _0\"></span>ten <span class=\"_ _0\"></span> besteht, da es ansonst<span class=\"_ _0\"></span>en zu Bewertungsinkongruenzen der beiden Finan<span class=\"_ _0\"></span>zinstrumente in der <span class=\"_ _0\"></span>Bilanzierung ko<span class=\"_ _0\"></span>mmt.<span class=\"_ _128\"> </span>S\u00e4mtliche anderen finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e sind zum Fair Value zu bewert<span class=\"_ _0\"></span>en. Wert\u00e4nderungen dieser Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>sind in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung oder im son<span class=\"_ _0\"></span>stigen Ergebnis (abh\u00e4ngig vom Gesch\u00e4ftsmodell) zu erfassen. F\u00fc<span class=\"_ _0\"></span>r <span class=\"_ _0\"></span> bestimmte Eigenkapitalin<span class=\"_ _0\"></span>strumente kann vom Wahlrecht, die Bewertun<span class=\"_ _0\"></span>gs\u00e4nderungen im sonstigen Ergebnis zu<span class=\"_ _0\"></span> erfassen,<span class=\"_ _128\"> </span>Gebrauch gemacht werd<span class=\"_ _0\"></span>en. Lediglich Dividendenanspr\u00fcche derart<span class=\"_ _0\"></span>iger Verm\u00f6genswerte sind in der Gewinn<span class=\"_ _1\"></span>- und Verlust-<span class=\"_ _128\"> </span>rechnung darzust<span class=\"_ _0\"></span>ellen. Nach IFRS 9 werden Derivate, die in Vert<span class=\"_ _0\"></span>r\u00e4ge eingebettet sind, bei denen die Basis ein finanzieller<span class=\"_ _128\"> </span>Verm\u00f6genswert im Anwend<span class=\"_ _0\"></span>ungsbereich des Standards ist, niemals getrennt b<span class=\"_ _0\"></span>ilanziert. Stattdessen wird das hybride <span class=\"_ _1\"></span> Finanzinstrument insgesamt im Hinblick auf d<span class=\"_ _0\"></span>ie Eins<span class=\"_ _0\"></span>tufung beurteilt.<span class=\"_ _128\"> </span>Fremdkapitalinstrument<span class=\"_ _0\"></span>e werden \u00fcberwiegend mit den fortgef\u00fchrten Ansch<span class=\"_ _0\"></span>affungskosten bewertet. Die Kredite und <span class=\"_ _1\"></span> Forderungen werden gr\u00f6\u00dft<span class=\"_ _0\"></span>enteils zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _0\"></span> bewertet, da die SPPI<span class=\"_ _0\"></span>-Kriterien,<span class=\"_ _0\"></span> die f\u00fcr eine solche<span class=\"_ _128\"> </span>Bewertung vorausgesetzt werden, vo<span class=\"_ _0\"></span>n diesen Finanzinstrumenten erf\u00fcllt w<span class=\"_ _0\"></span>erden. Die Bewertung von <span class=\"_ _0\"></span> Eigenkapitalinstrument<span class=\"_ _0\"></span>en erfolgt vorwiegend zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis bewertet (FV/OCI).<span class=\"_ _0\"></span> Wertminderung <span class=\"ffb\">\u2013</span> Finanzielle V<span class=\"_ _0\"></span>erm\u00f6genswerte und vertragliche Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _0\"></span> IFRS 9 basiert auf einem zukun<span class=\"_ _0\"></span>ftsorientierten Modell der \u201eerwarteten Kr<span class=\"_ _0\"></span>editausf\u00e4lle\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> Dies erfordert erhebliche Ermessens-<span class=\"_ _128\"> </span></span>entscheidungen b<span class=\"_ _0\"></span>ez\u00fcglich der Frage, inwieweit die erwarteten Kreditausf\u00e4lle durch Ver\u00e4nderungen d<span class=\"_ _0\"></span>er wirtschaftlichen Fak-<span class=\"_ _128\"> </span>toren beeinflusst werden. D<span class=\"_ _0\"></span>iese Einsch\u00e4tzung wird auf Grundlage gewichteter <span class=\"_ _0\"></span>Wahrscheinlich<span class=\"_ _0\"></span>keiten bestimmt. <span class=\"_ _0\"></span>Das Wert-<span class=\"_ _128\"> </span>minderungsmod<span class=\"_ _0\"></span>ell nach IFRS 9 ist auf finanzielle Verm\u00f6genswerte anzuwenden<span class=\"_ _0\"></span>, die zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _128\"> </span>oder zu FV/OCI bew<span class=\"_ _0\"></span>ertet werden sowie auf vertragliche Verm\u00f6genswert<span class=\"_ _0\"></span>e und au\u00dferbilanzielle Instrument<span class=\"_ _0\"></span>e, wie \u00fcbernom-<span class=\"_ _128\"> </span>mene Haftungen un<span class=\"_ _0\"></span>d unwiderrufliche Kreditzusagen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Diese werden je nach \u00c4nderu<span class=\"_ _0\"></span>ng des Kreditrisikos zwischen jenem im Zeitpun<span class=\"_ _0\"></span>kt der <span class=\"_ _0\"></span>erstmaligen Erfassung und<span class=\"_ _0\"></span> dem jeweils<span class=\"_ _128\"> </span>aktuellen Kreditrisiko zum Bewertu<span class=\"_ _0\"></span>ngsstichtag, entweder in Stufe 1, Stu<span class=\"_ _0\"></span>fe 2, oder Stufe 3 <span class=\"_ _0\"></span>zugeteilt:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 1 enth\u00e4lt<span class=\"_ _0\"></span> grunds\u00e4tzlich neu zugegangenen Finanzinstrumente so<span class=\"_ _0\"></span>wie jene, f\u00fcr die kein signifikanter Risikoan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span></span>stieg seit dem erstmaligen Ansatz festgestellt w<span class=\"_ _0\"></span>urde. Weiters werden alle Finanzinst<span class=\"_ _0\"></span>rumente, die zum Bilanzie-<span class=\"_ _128\"> </span>rungsstichtag ein abso<span class=\"_ _0\"></span>lut definiertes geringes Kreditrisiko (Ratingklassen AA b<span class=\"_ _0\"></span>is 1b) aufweisen, als Ausnahme vom<span class=\"_ _128\"> </span>relativen Ansatz immer der Stu<span class=\"_ _0\"></span>fe 1 zugeordnet (IFRS 9.5.5.10). Diese Logik wird nu<span class=\"_ _0\"></span>r auf das Low<span class=\"_ _0\"></span>-Default-Portfolio<span class=\"_ _128\"> </span>f\u00fcr die Segmente Staaten und Banken a<span class=\"_ _0\"></span>ngewandt. Die Low<span class=\"_ _0\"></span> Credit Risk Exempt<span class=\"_ _0\"></span>ion trifft somit auf ein Portfolio zu,<span class=\"_ _128\"> </span>das man gemeinhin als \u201eIn<span class=\"_ _0\"></span>vestment Grade\u201c bezeichnen w\u00fcrde (mittlere PD d<span class=\"_ _0\"></span>er Ratingklasse entspricht S&amp;P<span class=\"_ _1\"></span><span class=\"ff4\">-\u00e4quiva-<span class=\"_ _128\"> </span></span>lenten Ratings bis BBB-<span class=\"lsb\">).</span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 2 enth\u00e4lt<span class=\"_ _0\"></span> Instrumente, f\u00fcr die eine signifikante Erh\u00f6<span class=\"_ _0\"></span>hung des Kreditrisikos s<span class=\"_ _0\"></span>eit dem erstmaligen Ansatz statt-<span class=\"_ _128\"> </span></span></span>gefunden hat. Bei Leasingkontrakten w<span class=\"_ _0\"></span>ird ein IFRS 9 Wahlrecht ausge\u00fcbt und diese Gesch\u00e4fte werd<span class=\"_ _0\"></span>en daher immer Stufe 2 zuge-<span class=\"_ _128\"> </span>ordnet.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 3 wird dem Non-Perfo<span class=\"_ _0\"></span>rming Portfolio zugeordnet. B<span class=\"_ _0\"></span>efindet sich ein Kreditnehmer im Ausfall (intern<span class=\"_ _0\"></span>e Rating-<span class=\"_ _128\"> </span></span></span>stufen 5a, 5b oder 5c), w<span class=\"_ _0\"></span>ird der Kredit Stufe 3 zugewiesen. Die Oberbank AG wendet<span class=\"_ _0\"></span> f\u00fcr alle Forderungsklassen<span class=\"_ _128\"> </span>und Risikomodelle einheitlich und<span class=\"_ _0\"></span> konsistent die Ausfallsdefinition gem\u00e4\u00df Artikel 178 der Vero<span class=\"_ _0\"></span>rdnung (E<span class=\"_ _0\"></span>U) Nr<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>575/2013 (CRR) an. Diese basiert a<span class=\"_ _0\"></span>uf dem 90-Tage-Verzug bzw. einer w<span class=\"_ _0\"></span>ahrscheinlichen Uneinbringlichkeit einer<span class=\"_ _128\"> </span>Forderung.<span class=\"_ _128\"> </span>Die Ausnahme von d<span class=\"_ _0\"></span>em Dreistufenansatz sind Verm\u00f6genswerte, die bereits bei Zugan<span class=\"_ _0\"></span>g wertgemindert sind (sogenannte<span class=\"_ _128\"> </span>\u201ePOCI\u201c <span class=\"ff4\">- Assets). Diese bilden g<span class=\"_ _0\"></span>em\u00e4\u00df IFRS 9 Vorgaben eine eigene Kat<span class=\"_ _0\"></span>egorie.<span class=\"_ _128\"> </span></span>Segmentierung<span class=\"_ _128\"> </span>Das Kreditportfolio der Ob<span class=\"_ _0\"></span>erbank wird im Wertberichtigungsmodell nach IFRS 9 in die folgenden<span class=\"_ _0\"></span> f\u00fcnf Segmente untert<span class=\"_ _0\"></span>eilt:<span class=\"_ _128\"> </span>Sovereign, Banken, Corpor<span class=\"_ _0\"></span>ates, SME sowie Retail. Der Hintergrund der Segmentierung liegt in der Zu<span class=\"_ _0\"></span>grundelegung unter-<span class=\"_ _128\"> </span>schiedlicher Sch\u00e4tzungen d<span class=\"_ _0\"></span>er relevanten Kreditrisikop<span class=\"_ _0\"></span>arameter. Die Unterteilung in die einzelnen Segmente find<span class=\"_ _0\"></span>et dabei auf<span class=\"_ _128\"> </span>Basis der gew\u00e4hlten R<span class=\"_ _0\"></span>atingverfahren statt. Das Gesamteinstufungskon<span class=\"_ _0\"></span>zept der Oberbank basiert auf qualitativen, quant<span class=\"_ _0\"></span>itativen und Backstop<span class=\"_ _1\"></span>-Kriterien.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 1 und 2 <span class=\"_ _0\"></span> Nach IFRS 9 werden Wertberichtigungen a<span class=\"_ _0\"></span>uf einer der nachstehenden Grundlagen b<span class=\"_ _0\"></span>ewertet:<span class=\"_ _0\"></span> 12<span class=\"ls0\">-Monats<span class=\"_ _0\"></span>-Kreditausf\u00e4lle: Die Bildung der Risikovorsorge erfolgt in H\u00f6h<span class=\"_ _0\"></span>e des 12<span class=\"_ _0\"></span>-Monats-Kreditverlusts und die Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span></span>des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobuchwerts unter Anwendung d<span class=\"_ _0\"></span>er Effektivzinssatzmethode (f\u00fcr Stu<span class=\"_ _0\"></span>fe 1 Instru-<span class=\"_ _128\"> </span>mente)<span class=\"_ _128\"> </span>Ausfallbetrachtun<span class=\"_ _0\"></span>g \u00fcber die Gesamtlaufzeit des Kredits: Hierbei handelt es sich um erw<span class=\"_ _0\"></span>artete Kreditausf\u00e4lle aufgrund aller<span class=\"_ _128\"> </span>m\u00f6glichen Ausfallereignisse w\u00e4<span class=\"_ _0\"></span>hrend der erwarteten Laufzeit eines Finanzinst<span class=\"_ _0\"></span>ruments. Die Bildung d<span class=\"_ _0\"></span>er Risikovorsorge er-<span class=\"_ _128\"> </span>folgt in H\u00f6he der erwart<span class=\"_ _0\"></span>eten Verluste bezogen auf die Restlaufzeit des Finanzinstru<span class=\"_ _0\"></span>ments (Life<span class=\"_ _0\"></span>-time-ECL) und die Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobu<span class=\"_ _0\"></span>chwerts unter Anwendung der Effektivzin<span class=\"_ _0\"></span>smethode (f\u00fcr Instrumente der<span class=\"_ _128\"> </span>Stufe 2)<span class=\"_ _128\"> </span>Quantitative Kriterien f\u00fcr einen Stufent<span class=\"_ _0\"></span>ransfer<span class=\"_ _128\"> </span>Die Beurteilung der signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung des Kreditrisikos stellt eine zentrale Stellschraube des 3<span class=\"_ _1\"></span>-Stufen-Modells in d<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Wertminderungsvorschrift<span class=\"_ _0\"></span>en des IFRS 9 dar, da bei einer signifikanten Erh<span class=\"_ _0\"></span>\u00f6hung des Kreditrisikos die Wertminderung \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>die Gesamtlaufzeit des Finanzinst<span class=\"_ _0\"></span>ruments (Lifetime ECL) zu erfassen ist<span class=\"_ _0\"></span>. Das wesentliche Merkmal f\u00fcr<span class=\"_ _0\"></span> die Bestimmung des Kreditri<span class=\"_ _0\"></span>sikos eines Finanzinstru<span class=\"_ _0\"></span>ments ist dabei das interne Rating des<span class=\"_ _128\"> </span>Schuldners. Bei der Er<span class=\"_ _0\"></span>stellung des Ratings werden f\u00fcr das Corporate Portfolio auch E<span class=\"_ _0\"></span>SG<span class=\"_ _0\"></span>-Risiken ber\u00fccksicht<span class=\"_ _0\"></span>igt. Hinter dem<span class=\"_ _128\"> </span>Rating des Schuldn<span class=\"_ _0\"></span>ers steht dabei immer eine Ausfallsrate je Ratingklas<span class=\"_ _0\"></span>se. Diese leitet sich f\u00fcr d<span class=\"_ _0\"></span>ie Low-Default<span class=\"_ _0\"></span>-Portfolios<span class=\"_ _128\"> </span>(Staaten und Banken) au<span class=\"_ _0\"></span>s der bankinternen Masterskala ab<span class=\"_ _0\"></span>. F\u00fcr die wesentlichen Kundensegmente Corp<span class=\"_ _0\"></span>orates, Retail und<span class=\"_ _128\"> </span>SME leiten sich diese aus den<span class=\"_ _0\"></span> realisierten Ausfallraten der jeweiligen Migration<span class=\"_ _0\"></span>smatri<span class=\"_ _0\"></span>zen ab. Dieses bildet die Basis f\u00fcr d<span class=\"_ _0\"></span>ie<span class=\"_ _128\"> </span>Beurteilung, ob und wan<span class=\"_ _0\"></span>n ein signifikanter Anstieg des Kreditrisikos stattgefund<span class=\"_ _0\"></span>en hat. <span class=\"_ _0\"></span> Das quantitative Transferkr<span class=\"_ _0\"></span>iterium in der Oberbank AG basiert auf einer Analyse der kumulierten Ausfallsw<span class=\"_ _0\"></span>ahrscheinlichkei-<span class=\"_ _128\"> </span>ten <span class=\"lsb\">(L</span>ifetime PDs). Die folgenden<span class=\"_ _0\"></span> Variablen beeinflussen die Ermittlu<span class=\"_ _0\"></span>ng einer relativen PD<span class=\"_ _0\"></span>-Verschlechterung:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Kundensegment;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rating bei Zugang d<span class=\"_ _0\"></span>es Finanzinstruments;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Restlaufzeit (Vergleich zwischen Bilanzst<span class=\"_ _0\"></span>ichtag und Vertragsende);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Alter des Finanzinstruments (Vergleich zwischen Zu<span class=\"_ _0\"></span>gangsdatum und<span class=\"_ _0\"></span> Bilanzstichtag).<span class=\"_ _128\"> </span></span></span>Zur \u00dcberpr\u00fcfung der Signifikanz einer Kredit<span class=\"_ _0\"></span>risikoerh\u00f6hung dient dabei ein Vergleich der Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeit zum<span class=\"_ _128\"> </span>erstmaligen Bilanzansatz mit d<span class=\"_ _0\"></span>er Ausfallswahrscheinlichkeit zum Bewertungsstichtag <span class=\"_ _0\"></span>(IFRS 9.5.5.9). Dab<span class=\"_ _0\"></span>ei ist die Lifetime PD<span class=\"_ _128\"> </span>der aktuellen Ratingeinstufung \u00fcber d<span class=\"_ _0\"></span>ie verbleibende Restlaufzeit heranzuziehen. D<span class=\"_ _0\"></span>ies erfolgt mittels eines Vergleichs der<span class=\"_ _128\"> </span>Lifetime PD im aktuellen Ratingstad<span class=\"_ _0\"></span>ium \u00fcber die noch verbleibende Restlaufzeit mit d<span class=\"_ _0\"></span>er Forw<span class=\"_ _0\"></span>ard Lifetime PD im Ratin<span class=\"_ _0\"></span>gsta-<span class=\"_ _128\"> </span>dium bei Zugang \u00fcber ebend<span class=\"_ _0\"></span>iese Laufzeit. Das Kriterium der Zuordnun<span class=\"_ _0\"></span>g zu Stufe 1 und 2 basiert damit haupts\u00e4chlich auf einem relativen Kr<span class=\"_ _0\"></span>iterium und nicht auf der<span class=\"_ _128\"> </span>absoluten Kreditrisikoeinsch\u00e4t<span class=\"_ _0\"></span>zung zu jedem Beurteilungszeitpunk<span class=\"_ _0\"></span>t (IFRS 9.B5.5.9). <span class=\"_ _0\"></span> Als Backstop und aufgrund<span class=\"_ _0\"></span> der Analyse des relativen Transferkriteriums wurde unabh\u00e4n<span class=\"_ _0\"></span>gig von der Struktur der Migrations-<span class=\"_ _128\"> </span>matrix entschieden, d<span class=\"_ _0\"></span>ass ein Stufentransfer jedenfalls dann ausgel\u00f6st werden mu<span class=\"_ _0\"></span>ss, wenn sich der Kredit seit Zugang <span class=\"_ _1\"></span>um<span class=\"_ _128\"> </span>mindestens drei Ratingstu<span class=\"_ _0\"></span>fen verschoben hat. Bei sehr langen Restlaufzeiten und<span class=\"_ _0\"></span> sehr guten Ratings kann es aufgrund des<span class=\"_ _128\"> </span>\u201eDrifts zur Mitte\u201c bei der marginalen P<span class=\"_ _0\"></span>D dazu kommen, dass selbst b<span class=\"_ _0\"></span>ei Downgrades von mehreren Ratingstufen d<span class=\"_ _0\"></span>as relative<span class=\"_ _128\"> </span>Transferkriterium an<span class=\"_ _0\"></span>sonsten nicht erreicht wird.<span class=\"_ _128\"> </span>Ein R\u00fccktransfer in eine b<span class=\"_ _0\"></span>essere Stufe wird dann vorgenommen, wenn die Krit<span class=\"_ _0\"></span>erien, die zu einer Abstufung gef\u00fchrt haben<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span>nicht mehr zutreffen. Auf<span class=\"_ _0\"></span>- und Abstufungen w<span class=\"_ _0\"></span>erden somit symmetrisch behand<span class=\"_ _0\"></span>elt. Ein R\u00fccktransfer au<span class=\"_ _0\"></span>s Stage 2 erfolgt bei-<span class=\"_ _128\"> </span>spielsweise, sobald keine signifikant<span class=\"_ _0\"></span>e Erh\u00f6hung des Ausfallrisikos mehr vorliegt. Ma\u00dfstab ist<span class=\"_ _0\"></span> wiederum der Vergleich des<span class=\"_ _128\"> </span>Ausfallrisikos bei Zugan<span class=\"_ _0\"></span>g mit dem Ausfallrisiko zum betreffenden Bilanzsticht<span class=\"_ _0\"></span>ag.<span class=\"_ _0\"></span> Das Wertberichtigungsmod<span class=\"_ _0\"></span>ell der Oberbank AG bezieht sich sowohl in<span class=\"_ _0\"></span> der Berechnung der Risikovorsorge als auch in der<span class=\"_ _128\"> </span>Beurteilung des Stu<span class=\"_ _0\"></span>fentransfers immer auf das Einzelgesch\u00e4ft. Dies bedeutet, dass d<span class=\"_ _0\"></span>ie relevanten Kreditrisikoparameter PD<span class=\"_ _128\"> </span>(Ausfallswahrscheinlichkeit), LGD <span class=\"_ _0\"></span>(Verlust bei Ausfall) sow<span class=\"_ _0\"></span>ie EAD (Obligo bei Ausfall) sich immer a<span class=\"_ _0\"></span>uf einen einzelnen Kredit-<span class=\"_ _128\"> </span>nehmer beziehen und<span class=\"_ _0\"></span> sich von einem einzelnen Gesch\u00e4ft ableiten.<span class=\"_ _0\"></span> Qualitative Kriterien f\u00fcr einen Stufentran<span class=\"_ _0\"></span>sfer<span class=\"_ _128\"> </span>Ein Finanzinstrument mit Nachsicht (<span class=\"_ _0\"></span>Forbearance) wird in<span class=\"_ _0\"></span> jedem Fall der Stufe 2 zugewiesen, sofern sich die Forderung n<span class=\"_ _0\"></span>icht<span class=\"_ _128\"> </span>ohnehin schon im Au<span class=\"_ _0\"></span>sfall befindet. W\u00e4hrend der gesamten Bew\u00e4h<span class=\"_ _0\"></span>rungsphase wird somit f\u00fcr diese Forderun<span class=\"_ _0\"></span>gen ein Lifetime<span class=\"_ _128\"> </span>Expected Loss angesetzt.<span class=\"_ _0\"></span> Die widerlegbare Vermutun<span class=\"_ _0\"></span>g bei einer 30-t\u00e4gigen \u00dcberf\u00e4lligkeit<span class=\"_ _0\"></span> f\u00fchrt als qualitatives Kriterium zu einem Stufent<span class=\"_ _0\"></span>ransfer (IFRS<span class=\"_ _128\"> </span>9.5.5.11). Das bedeutet<span class=\"_ _0\"></span>, dass Instrumente sp\u00e4testens dann d<span class=\"_ _0\"></span>er Stufe 2 zuzuweisen sind, sobald der Zah<span class=\"_ _0\"></span>lungsverzug von Kapi-<span class=\"_ _128\"> </span>tal und/oder Zinszah<span class=\"_ _0\"></span>lungen 30 Tage \u00fcbersteigt. <span class=\"ff5\"> </span>Ebenso werden Fremdw<span class=\"_ _0\"></span>\u00e4hrungskredite mit w\u00e4hrungsinkongruentem Einkommen und Kr<span class=\"_ _0\"></span>edite mit Tilgungstr\u00e4gern im Le-<span class=\"_ _128\"> </span>bendgesch\u00e4ft in jedem Fall der St<span class=\"_ _0\"></span>ufe 2 zugewiesen. Durch W\u00e4hrun<span class=\"_ _0\"></span>gsschwankungen sowie Schwankungen in<span class=\"_ _0\"></span> den Sicherhei-<span class=\"_ _128\"> </span>tenwerten bei Tilgun<span class=\"_ _0\"></span>gstr\u00e4gern ist mit h\u00f6heren Risiken der Schuldenbed<span class=\"_ _0\"></span>ienbarkeit zu rechnen als bei konvent<span class=\"_ _0\"></span>ionellen Kredit-<span class=\"_ _128\"> </span>best\u00e4nden. Neben den modellimmanenten qu<span class=\"_ _0\"></span>alitativen Faktoren f\u00fcr einen Stufentr<span class=\"_ _0\"></span>ansfer wendet die Oberbank AG aufgrund<span class=\"_ _0\"></span> der anhal-<span class=\"_ _128\"> </span>tenden Energiekrise, hoh<span class=\"_ _0\"></span>en Inflation und<span class=\"_ _0\"></span> steigenden Zinsen als Folge des Ukraine<span class=\"_ _0\"></span>-Krieges per 31.12.2022 auch einen kol-<span class=\"_ _128\"> </span>lektiven Stufentransfer in die Stufe 2 f\u00fcr gew<span class=\"_ _0\"></span>isse Teilportfolios an.<span class=\"_ _0\"></span> Grund daf\u00fcr sind die hohen En<span class=\"_ _0\"></span>ergiepreise bei Gas, welche sich zwar k\u00fcrzlich an<span class=\"_ _0\"></span> den Energiem\u00e4rk<span class=\"_ _0\"></span>ten a<span class=\"_ _0\"></span>ufgrund hoher Lager-<span class=\"_ _128\"> </span>st\u00e4nde entspannt<span class=\"_ _0\"></span> haben, jedoch f\u00fcr den Endkunden noch hoch sind<span class=\"_ _0\"></span>. Dar\u00fcber hinaus k\u00f6nnen eine neuerliche starke Verteue-<span class=\"_ _128\"> </span>rung bzw. ein g\u00e4nzlicher Gasstop n<span class=\"_ _0\"></span>icht ausgeschlossen, sowie die Folgen f\u00fcr, vo<span class=\"_ _0\"></span>n Gas abh\u00e4ngigen Kunden, unter einem<span class=\"_ _1\"></span> welt-<span class=\"_ _128\"> </span>weiten Konjunkturabschw<span class=\"_ _0\"></span>ung, nur schwer abgesch\u00e4tzt werden.<span class=\"_ _0\"></span> Ein weiter Grund sind der starke Zinsanst<span class=\"_ _0\"></span>ieg, sowie die derzeit vorherrschende hohe Inflat<span class=\"_ _0\"></span>ion. Insbesondere kann es dadurch<span class=\"_ _128\"> </span>im Bereich der Immobilienprojektfinan<span class=\"_ _0\"></span>zierungen mit gewerblichen Hyp<span class=\"_ _0\"></span>othekarsicherh<span class=\"_ _0\"></span>eiten zu Verz\u00f6gerungen beim Projekt-<span class=\"_ _128\"> </span>fortschritt kommen und<span class=\"_ _0\"></span> es besteht die Gefahr, dass die gestiegenen Einkaufspreise bzw. Gest<span class=\"_ _0\"></span>ehungskosten nicht weiterver-<span class=\"_ _128\"> </span>rechnet werden k\u00f6nnen. Folglich k\u00f6<span class=\"_ _0\"></span>nnen hohe Risiken bei der R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit bei Kr<span class=\"_ _0\"></span>editen entstehen, da sich die Bau-<span class=\"_ _128\"> </span>wirtschaft seit dem 2.Quartal 2022 in einer Schw<span class=\"_ _0\"></span>\u00e4chephase befindet<span class=\"_ _0\"></span> und die hohen Baukosten die Nachfrage un<span class=\"_ _0\"></span>d Investitio-<span class=\"_ _128\"> </span>nen in Bauprojekt<span class=\"_ _0\"></span>e d\u00e4mpfen.<span class=\"_ _128\"> </span>Vor diesem Hintergrund ers<span class=\"_ _0\"></span>cheint es bei folgenden Portfolios der Segmente C<span class=\"_ _0\"></span>orpor<span class=\"_ _0\"></span>ates und SME notwendig, die erwartete<span class=\"_ _128\"> </span>Erh\u00f6hung des Kreditrisikos vor\u00fcbergehend<span class=\"_ _0\"></span> \u00fcber den kollektiven Stufentransfer anzuw<span class=\"_ _0\"></span>enden:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer portfolio\u00fcbergreifenden E<span class=\"_ _0\"></span>inzelanalyse eine Gasabh\u00e4ngig-<span class=\"_ _128\"> </span></span></span>keit festgestellt werden konnt<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten.<span class=\"_ _0\"></span> </span></span>Der Zeitpunkt des Wegfalls bzw. einer Redu<span class=\"_ _0\"></span>ktion des kollektiven Stu<span class=\"_ _0\"></span>fentransfers h\u00e4ngt in erster Linie von der weiteren Pr<span class=\"_ _0\"></span>eis-<span class=\"_ _128\"> </span>entwicklung b<span class=\"_ _0\"></span>ei Rohstoffen, dem Abflauen des In<span class=\"_ _0\"></span>flationsdrucks sowie der Entwicklung der Verbraucherpreise ab. <span class=\"_ _0\"></span> Wegfall Covid 19 Staging<span class=\"_ _128\"> </span>Auf Grund des Abflau<span class=\"_ _0\"></span>ens der Covid 19 Pandemie und des Wegfalls der Einschr\u00e4nku<span class=\"_ _0\"></span>ngen wurde das damit verbundene kol-<span class=\"_ _128\"> </span>lektive Stufentra<span class=\"_ _0\"></span>nsfer beendet. Details k\u00f6nn<span class=\"_ _0\"></span>en der Note 2.2 entnommen werden.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 3 (No<span class=\"_ _0\"></span>n-Performing Loans)<span class=\"_ _0\"></span> Non-Performing Loan<span class=\"_ _0\"></span>s werden der Stufe 3 zugeordn<span class=\"_ _0\"></span>et. Die Bildung einer Risikovorsorge erfolgt kon<span class=\"_ _0\"></span>zernweit in H\u00f6he der<span class=\"_ _128\"> </span>erwarteten Verluste, wenn zu<span class=\"_ _0\"></span> bef\u00fcrchten ist, dass die KundInnen ihren Kreditverpflichtungen nicht im v<span class=\"_ _0\"></span>ollen Umfang nach-<span class=\"_ _128\"> </span>kommen. F\u00fcr notleidende Kredit<span class=\"_ _0\"></span>e erfolgt d<span class=\"_ _0\"></span>ie Risikovorsorgen-Bildun<span class=\"_ _0\"></span>g gem\u00e4\u00df IFRS 9 5.5 mittels der D<span class=\"_ _0\"></span>iscounted Cash<span class=\"_ _0\"></span>-Flow<span class=\"_ _128\"> </span>Methode in H\u00f6he des erw<span class=\"_ _0\"></span>arteten Verlustes bezogen auf die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-Expected C<span class=\"_ _0\"></span>redit Loss (E<span class=\"_ _0\"></span>CL)) und Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags auf Basis des Netto<span class=\"_ _0\"></span>buchwertes unter Anw<span class=\"_ _0\"></span>endung der E<span class=\"_ _0\"></span>ffektivzinssatzmethode. F\u00fcr a<span class=\"_ _0\"></span>lle nicht bedeutsa-<span class=\"_ _128\"> </span>men notleidenden Kr<span class=\"_ _0\"></span>edite wird mittels eines Expertenverfahrens f\u00fcr die Unterdeckung eine Risikovor<span class=\"_ _0\"></span>sorge errechnet. Diese<span class=\"_ _128\"> </span>betr\u00e4gt f\u00fcr bereits gek\u00fcndigte Kredite, bei den<span class=\"_ _0\"></span>en die Sicherheiten verwertet<span class=\"_ _0\"></span> w<span class=\"_ _0\"></span>erden, 100% der Unterdeckung. F\u00fcr den Rest werden abh<span class=\"_ _0\"></span>\u00e4ngig von Ausfallsgrund und Ausfallsstat<span class=\"_ _0\"></span>us zwischen 20% und 100% der Unterd<span class=\"_ _0\"></span>eckung als Risiko-<span class=\"_ _128\"> </span>vorsorge angesetzt.  <span class=\"_ _7\"> </span> Direktabschreibung von Non-P<span class=\"_ _0\"></span>erforming Loans Wenn ein Ereignis eintritt, welches die E<span class=\"_ _0\"></span>inbringlichmachung eines Teiles eines Obligos oder ei<span class=\"_ _0\"></span>nes Gesamtobligos un<span class=\"_ _0\"></span>m\u00f6glich<span class=\"_ _128\"> </span>macht, und keine oder kein<span class=\"_ _0\"></span>e ausreichende Risikovorsorge vorhanden<span class=\"_ _0\"></span> ist, wird der uneinbringliche Saldo direkt gegen die<span class=\"_ _128\"> </span>GuV ausgebucht (D<span class=\"_ _0\"></span>irektabschreibung). Solche Ereignisse k<span class=\"_ _0\"></span>\u00f6nnen u.a. sein: -<span class=\"_ _18\"> </span><span class=\"ff4\">Ausbuchung d<span class=\"_ _0\"></span>es Restsaldos nach Abweisung oder Abschluss <span class=\"_ _0\"></span>eines Insolvenzverfahrens und / oder nach Verwertung<span class=\"_ _128\"> </span></span>aller zur Verf\u00fcgung stehender Sicherheiten;<span class=\"_ _128\"> </span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Nachlassabhandlu<span class=\"_ _0\"></span>ng ohne Verm\u00f6gen und Sicherheiten;<span class=\"_ _128\"> </span></span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Umschuldun<span class=\"_ _0\"></span>g mit Gew\u00e4hrung eines Nachlasses (Vergleichsverein<span class=\"_ _0\"></span>barung).<span class=\"_ _128\"> </span></span>ECL Berechnung<span class=\"_ _128\"> </span>In der Oberbank AG <span class=\"_ _0\"></span>gilt das Wertminderungsmodell nach IFRS 9 f\u00fcr folgende An<span class=\"_ _0\"></span>wendungsbereiche:<span class=\"_ _0\"></span> \u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">finanzielle Verm\u00f6genswerte, die zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten oder erfolgsneu<span class=\"_ _0\"></span>tral zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _128\"> </span></span>bewertet werden,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Leasingforderungen,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">unwiderrufliche Kreditzusa<span class=\"_ _0\"></span>gen und Finanzgarantien.<span class=\"_ _128\"> </span></span>Der Expected Credit Lo<span class=\"_ _0\"></span>ss ist in der Oberbank AG eine wahrscheinlichkeitsgewichtete Sch\u00e4tzun<span class=\"_ _0\"></span>g des Verlusts \u00fcber die ersten<span class=\"_ _128\"> </span>zw\u00f6lf Monate (Stufe 1)<span class=\"_ _0\"></span> oder \u00fcber die erwartete Restlaufzeit des Finan<span class=\"_ _0\"></span>zinstruments (Stufe 2). Er ist<span class=\"_ _0\"></span> sozusagen der Barwert<span class=\"_ _128\"> </span>der Differenz aus vertraglich vereinbarten<span class=\"_ _0\"></span> Cashflows und erwarteten Cas<span class=\"_ _0\"></span>hflows. Die Berechnung des erwarteten Verlu<span class=\"_ _0\"></span>sts<span class=\"_ _128\"> </span>beinhaltet dabei<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">einen erwartungsgetreu<span class=\"_ _0\"></span>en und wahrscheinlichkeitsgewichteten Betrag, <span class=\"_ _0\"></span>der durch Betrachtung m\u00f6glicher Szenarien be-<span class=\"_ _128\"> </span></span>stimmt wird,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">den Zeitwert des Geldes,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Informationen \u00fcber vergan<span class=\"_ _0\"></span>gene Ereignisse, aktuelle Bedingungen und Prognosen k\u00fcn<span class=\"_ _0\"></span>ftiger wirtschaftlicher <span class=\"_ _0\"></span>Bedingun<span class=\"_ _0\"></span>gen.<span class=\"_ _128\"> </span></span>De<span class=\"ws1\">r <span class=\"ws2\">maximale <span class=\"ws3\">Ze</span></span></span>itrau<span class=\"ws4\">m, </span>f\u00fc<span class=\"ws1\">r <span class=\"ws2\">d</span></span>e<span class=\"ws5\">n <span class=\"ws6\">d</span></span>e<span class=\"ws7\">r <span class=\"ws2\">E</span></span>xpecte<span class=\"ws8\">d <span class=\"ws6\">Cr</span></span>edi<span class=\"ws6\">t Lo<span class=\"ws2\">ss </span></span>bestim<span class=\"ws9\">mt <span class=\"ws2\">w</span></span>ird<span class=\"wsa\">, <span class=\"wsb\">is<span class=\"wsc\">t <span class=\"ws6\">d</span></span></span></span>abei d<span class=\"wsd\">ie <span class=\"wse\">V</span></span>ertragslaufzeit<span class=\"wsf\">, <span class=\"wsb\">\u00fc</span></span>be<span class=\"ws7\">r <span class=\"ws2\">d</span></span>e<span class=\"ws10\">n <span class=\"wse\">d</span></span>ie<span class=\"_ _128\"> </span>Oberbank A<span class=\"ws11\">G </span>einem Kreditr<span class=\"ws12\">isiko </span>au<span class=\"wsb\">s </span>dem Finan<span class=\"_ _0\"></span>zinstrumen<span class=\"ws13\">t <span class=\"ws6\">a</span></span>usgeset<span class=\"ws11\">zt ist<span class=\"wsb\">. </span></span>Nu<span class=\"ws14\">r <span class=\"ws2\">b</span></span>ei revolvierende<span class=\"ws8\">n <span class=\"ws6\">Kr</span></span>edite<span class=\"ws15\">n </span>wir<span class=\"ws15\">d </span>de<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>ar-<span class=\"_ _128\"> </span>tet<span class=\"ws15\">e <span class=\"ws3\">Kr</span></span>editverlus<span class=\"wsc\">t <span class=\"ws6\">f\u00fc<span class=\"ws1\">r <span class=\"ws2\">ei</span></span></span></span>ne<span class=\"ws5\">n <span class=\"ws6\">Ze</span></span>itraum b<span class=\"_ _0\"></span>estimmt<span class=\"ws16\">, </span>de<span class=\"ws1\">r <span class=\"ws2\">u</span></span>nte<span class=\"ws17\">r </span>Umst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"ws8\">n <span class=\"ws6\">l\u00e4</span></span>nge<span class=\"ws7\">r <span class=\"ws2\">a</span></span>ls d<span class=\"wsd\">ie <span class=\"wse\">v</span></span>ertraglich<span class=\"ws15\">e <span class=\"ws3\">Lau</span></span>fze<span class=\"ws18\">it <span class=\"ws2\">ist<span class=\"ws19\">. </span></span></span>De<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>artete<span class=\"_ _128\"> </span>Verlust <span class=\"ws1a\">setzt <span class=\"ws1b\">sich <span class=\"ws1c\">aus <span class=\"ws0\">drei Komponenten <span class=\"ws6\">zusammen:<span class=\"_ _128\"> </span></span></span></span></span></span>ECL = PD x LGD x EAD<span class=\"_ _128\"> </span>(PD: Ausfallswahrscheinlichkeit; LGD: Los<span class=\"wsb\">s </span>give<span class=\"ws1d\">n <span class=\"ws6\">D</span></span>efault/<span class=\"_ _0\"></span>Verlus<span class=\"wsc\">t <span class=\"ws6\">b</span></span>ei Ausfall in <span class=\"ws1b\">% <span class=\"ws6\">d</span></span>e<span class=\"wsb\">s </span>EA<span class=\"ws1e\">D <span class=\"ws2\">a</span></span>usgegeben; EAD: Exposur<span class=\"ws1f\">e <span class=\"ws3\">a</span></span>t<span class=\"_ _128\"> </span>Default/Offene<span class=\"ws1\">r <span class=\"ws2\">Bet</span></span>rag im Zeitpun<span class=\"_ _0\"></span>k<span class=\"ws6\">t d</span>e<span class=\"wsb\">s </span>Ausfalls de<span class=\"wsb\">s </span>Kredits)<span class=\"_ _128\"> </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6genswert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St</span></span></span>u<span class=\"ws21\">fe <span class=\"wsb\">2 </span></span>u<span class=\"_ _0\"></span>n<span class=\"ws5\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>d<span class=\"ws22\">amit <span class=\"ws2\">ei</span></span>nhergeh<span class=\"_ _0\"></span>ende<span class=\"ws5\">n <span class=\"ws6\">Ber</span></span>echnung de<span class=\"wsb\">s </span>Lifetim<span class=\"ws23\">e <span class=\"ws3\">E</span></span>xpecte<span class=\"ws5\">d <span class=\"ws6\">Cr</span></span>e-<span class=\"_ _128\"> </span>d<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>entsprich<span class=\"ws13\">t <span class=\"ws6\">d</span></span>ie<span class=\"wsb\">s </span>de<span class=\"ws24\">r <span class=\"ws2\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">d</span></span>e<span class=\"wsb\">s </span>Kontrakt<span class=\"ws25\">s. </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6gensw<span class=\"_ _0\"></span>ert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St<span class=\"ws26\">age </span></span></span>1 </span>(12<span class=\"_ _0\"></span>-Monat<span class=\"_ _0\"></span>s-ECL)<span class=\"_ _128\"> </span>wir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span>fze<span class=\"ws25\">it <span class=\"ws22\">mit <span class=\"ws2\">ei</span></span></span>nem Jah<span class=\"ws1\">r <span class=\"ws2\">b</span></span>eschr\u00e4n<span class=\"_ _0\"></span>kt<span class=\"wsb\">. </span>Lie<span class=\"ws28\">gt <span class=\"ws11\">d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span></span></span>fze<span class=\"ws18\">it <span class=\"ws2\">u</span></span>nte<span class=\"ws1\">r <span class=\"ws2\">ei</span></span>nem Jahr<span class=\"wsf\">, <span class=\"wsb\">s<span class=\"ws1e\">o <span class=\"ws2\">w<span class=\"_ _0\"></span></span></span></span></span>ir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">t</span></span>ats\u00e4chlich<span class=\"ws1f\">e <span class=\"ws3\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">f\u00fc<span class=\"ws1\">r </span>d<span class=\"_ _0\"></span></span></span>ie<span class=\"_ _128\"> </span>Berechnung heran<span class=\"_ _0\"></span>gezogen<span class=\"ws19\">. </span>De<span class=\"ws17\">r <span class=\"wsd\">E</span></span>xpecte<span class=\"ws29\">d <span class=\"ws6\">Cr</span></span>ed<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>nac<span class=\"ws2a\">h <span class=\"wse\">I</span></span>FRS 9 ist <span class=\"ws6\">d</span>ab<span class=\"_ _0\"></span>ei e<span class=\"ws2b\">in <span class=\"ws11\">d</span></span>iskontierte<span class=\"ws1\">r <span class=\"ws2\">We</span></span>rt<span class=\"wsb\">. </span>Hierf\u00fc<span class=\"ws2c\">r <span class=\"ws2\">w</span></span>ir<span class=\"ws8\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>jeweilige<span class=\"_ _128\"> </span>EL je <span class=\"ws2d\">P</span>eriod<span class=\"ws15\">e <span class=\"ws22\">mit <span class=\"ws2\">d</span></span></span>em Diskontfakt<span class=\"_ _0\"></span>o<span class=\"ws1\">r <span class=\"ws2\">j<span class=\"ws15\">e <span class=\"ws3\">P</span></span></span></span>eriod<span class=\"ws15\">e <span class=\"ws3\">mu</span></span>ltipliziert<span class=\"wsb\">. </span>De<span class=\"ws2c\">r <span class=\"ws2\">D</span></span>iskontfakto<span class=\"ws17\">r <span class=\"wsd\">b<span class=\"_ _0\"></span></span></span>einhalte<span class=\"ws2e\">t </span>dabei de<span class=\"ws5\">n <span class=\"ws6\">E</span></span>ffektivzinssatz de<span class=\"wsb\">s </span>Ver-<span class=\"_ _128\"> </span>m\u00f6genswerts.<span class=\"_ _128\"> </span>Wesentlich<span class=\"ws1c\">e <span class=\"wsb\">I</span></span>nputparameter<span class=\"_ _128\"> </span>Ausfallswahrscheinlichke<span class=\"ws18\">it <span class=\"ws2\">(P</span></span>D/Probabilit<span class=\"ws2\">y </span>of Default)<span class=\"ws2f\"> </span>D<span class=\"ws27\">ie <span class=\"wse\">A</span></span>usfallswahr<span class=\"_ _0\"></span>scheinlichke<span class=\"ws30\">it </span>wir<span class=\"ws8\">d <span class=\"ws31\">in <span class=\"ws32\">ei</span></span></span>nem Basisszenar<span class=\"ws11\">io </span>f\u00fc<span class=\"ws17\">r </span>d<span class=\"ws33\">ie <span class=\"wse\">Se</span></span>gment<span class=\"ws15\">e <span class=\"ws3\">Co</span></span>rpo<span class=\"_ _0\"></span>rate<span class=\"ws7\">s, <span class=\"ws2\">SM<span class=\"ws34\">E </span></span></span>un<span class=\"ws8\">d <span class=\"ws6\">R</span></span>etail au<span class=\"wsb\">s </span>de<span class=\"ws15\">n </span>histori-<span class=\"_ _128\"> </span>sche<span class=\"ws5\">n <span class=\"ws6\">A</span></span>usfallsrate<span class=\"ws35\">n </span>un<span class=\"ws8\">d <span class=\"ws6\">M<span class=\"_ _0\"></span></span></span>igrationswahrscheinlichkeite<span class=\"ws5\">n <span class=\"ws6\">a</span></span>bgeleitet.<span class=\"_ _128\"> </span>Je Segment und Ratingstufe werd<span class=\"_ _0\"></span>en die Ausfallswahrscheinlichkeiten f\u00fcr untersch<span class=\"_ _0\"></span>iedliche Laufzeiten (Lifetime PD) aus d<span class=\"_ _0\"></span>em<span class=\"_ _128\"> </span>Ausfallsvektor der Migrationsmatrix au<span class=\"_ _0\"></span>sgelesen. F\u00fcr die Segmente Banken und<span class=\"_ _1\"></span> Sovereign wird die Ausfallswahrscheinlichkeit<span class=\"_ _128\"> </span>direkt aus den internen R<span class=\"_ _0\"></span>atings und somit aus der bankinternen Masterskala abgeleitet.<span class=\"_ _0\"></span> F\u00fcr die Ermittlung der historischen Ausfallsr<span class=\"_ _0\"></span>aten und Migrationswahrscheinlichkeiten f\u00fcr d<span class=\"_ _0\"></span>as zentrale Kundenkreditportfoli<span class=\"_ _1\"></span><span class=\"ls12\">o<span class=\"_ _128\"> </span></span>werden Migrationsmatrizen f\u00fcr die jeweiligen Segmen<span class=\"_ _0\"></span>te berechnet. Hierbei wird jeweils der Zeitrau<span class=\"_ _0\"></span>m der letzten zehn Jahre<span class=\"_ _128\"> </span>betrachtet. Als Basis zur<span class=\"_ _0\"></span> Bestimmung der 1-Jah<span class=\"_ _0\"></span>res-Migrationsmatrix dient zuerst eine qu<span class=\"_ _0\"></span>artalsweise Betrachtung von Rating-<span class=\"_ _128\"> </span>migrationen.<span class=\"_ _128\"> </span>Die 1-Jahres-Migrationsmatrix w<span class=\"_ _0\"></span>ird anhand einer Matrixmultiplikation<span class=\"_ _0\"></span> von vier aufeinander folgenden Quart<span class=\"_ _0\"></span>alen ermittelt.<span class=\"_ _128\"> </span>Die endg\u00fcltige 1-Jahres-Migrat<span class=\"_ _0\"></span>ionsmatrix ist dab<span class=\"_ _0\"></span>ei der Mittelwert \u00fcber alle ermittelten Migrationsmatr<span class=\"_ _0\"></span>izen. Die 1<span class=\"_ _0\"></span>-Jahres-PD<span class=\"_ _128\"> </span>pro Ratingklasse ist d<span class=\"_ _0\"></span>abei die Summe der PD aus den drei Default Rat<span class=\"_ _0\"></span>ingklassen 5a, 5b und 5c. Kumulierte bzw. Lifetime PD<span class=\"_ _128\"> </span>werden mittels d<span class=\"_ _0\"></span>er Markov-Annahme von Migrationsmat<span class=\"_ _0\"></span>rizen mittels Matrizenmultiplikation gebildet. Daraus ergeben s<span class=\"_ _0\"></span>ich<span class=\"_ _128\"> </span>pro Segment und Rat<span class=\"_ _0\"></span>ingklasse PD-Kurven. F\u00fcr einzelne Segmente und Laufzeitb\u00e4n<span class=\"_ _0\"></span>der werden diese bedingten Basis<span class=\"_ _0\"></span>-PD,<span class=\"_ _0\"></span> die sich aus der Through The Cycle Migrations-<span class=\"_ _128\"> </span>matrix ergeben, angepasst, um zukun<span class=\"_ _0\"></span>ftsgerichtete Informationen einflie\u00dfen zu lassen. Diese so<span class=\"_ _0\"></span>genannte Point<span class=\"_ _1\"></span>-<span class=\"ls19\">In</span>-Time-An-<span class=\"_ _128\"> </span>passung (PIT-Anpassu<span class=\"_ _0\"></span>ng) findet statt indem durch stat<span class=\"_ _0\"></span>istische Modelle versucht wird, Zusammenh\u00e4nge zwischen der A<span class=\"_ _0\"></span>us-<span class=\"_ _128\"> </span>fallswahrscheinlichkeit und erkl\u00e4r<span class=\"_ _0\"></span>enden makro\u00f6konomischen Variab<span class=\"_ _0\"></span>len herzustellen. <span class=\"_ _0\"></span> Als statistisches Modell wird eine logistische Regression <span class=\"_ _0\"></span>verw<span class=\"_ _0\"></span>endet, wodurch die Ausfallswahrscheinlichkeit progn<span class=\"_ _0\"></span>ostiziert<span class=\"_ _128\"> </span>wird. Die Regressionsp<span class=\"_ _0\"></span>arameter werden durch Maximierung der Likelihood Fun<span class=\"_ _0\"></span>ktion gesch\u00e4tzt. Als wesent<span class=\"_ _0\"></span>liche makro\u00f6ko-<span class=\"_ _128\"> </span>nomische Variablen gehen d<span class=\"_ _0\"></span>er harmonisierte Verbraucherpreisindex (CPI), sowi<span class=\"_ _1\"></span>e das Wachstum des Bruttoinland<span class=\"_ _0\"></span>sproduktes<span class=\"_ _128\"> </span>(BIP) ins Modell ein. Bei den Faktor<span class=\"_ _0\"></span>en CPI und BIP findet eine L\u00e4ndergewichtung statt. <span class=\"_ _0\"></span>Dabei werden die L\u00e4nder \u00d6sterreich,<span class=\"_ _128\"> </span>Deutschland, Tschechien, Ungar<span class=\"_ _0\"></span>n und Slowakei ber\u00fccksichtigt, in denen<span class=\"_ _0\"></span> die Oberbank AG t\u00e4tig<span class=\"_ _0\"></span> ist. Wobei die Fakto<span class=\"_ _0\"></span>ren f\u00fcr<span class=\"_ _128\"> </span>\u00d6sterreich mit 66%, f\u00fcr Deutschland mit<span class=\"_ _0\"></span> 19%, f\u00fcr Tschechien mit 8% sow<span class=\"_ _0\"></span>ie, f\u00fcr Ungarn und Slowakei mit 4% bzw. mit<span class=\"_ _0\"></span> 3%<span class=\"_ _128\"> </span>gewichtet werden.<span class=\"_ _128\"> </span>Zur Modellwahl wird d<span class=\"_ _0\"></span>as Informationskritierium nach Akaike (AIC) verwendet, wobei die Variab<span class=\"_ _0\"></span><span class=\"ff9\">len mit<span class=\"_ _0\"></span>tels \u201eStepwise Selek-<span class=\"_ _128\"> </span></span>tion\u201c selektiert werden.<span class=\"ff4\"> </span>Anhand dieser gesch\u00e4tzten<span class=\"_ _0\"></span> Faktoren wird die PD in den Segmenten Corporat<span class=\"_ _0\"></span>e, Retail und SME mittels Skalarans\u00e4tzen ange-<span class=\"_ _128\"> </span>passt. In den Segmenten Sovereign und<span class=\"_ _0\"></span> Banken konnten keine plausiblen Korrelation<span class=\"_ _0\"></span>en mit<span class=\"_ _0\"></span> makro\u00f6konomischen Fakt<span class=\"_ _0\"></span>oren<span class=\"_ _128\"> </span>hergeleitet werden.<span class=\"_ _128\"> </span>Die Oberbank verw<span class=\"_ _0\"></span>endet f\u00fcr die ECL-Berechnung drei un<span class=\"_ _0\"></span>terschiedliche Szenarien (Normal<span class=\"_ _0\"></span>-, Up- und Downszenar<span class=\"_ _0\"></span>io), wobei<span class=\"_ _128\"> </span>die schlussendliche Anpas<span class=\"_ _0\"></span>sung einer Linearkombination der drei unterschiedlichen Szenarien<span class=\"_ _1\"></span> gleichkommt. Die Szenarioge-<span class=\"_ _128\"> </span>wichtung orientiert sich an<span class=\"_ _0\"></span> der derzeit g\u00e4ngigen Praxis, dass das Normalszenario mit 50%<span class=\"_ _0\"></span> Prozent und die beiden anderen<span class=\"_ _128\"> </span>Szenarien jeweils mit 25% gewichtet<span class=\"_ _0\"></span> werden. F\u00fcr die Szenarien bedient sich d<span class=\"_ _0\"></span>ie Oberbank makro\u00f6konomischer Da<span class=\"_ _1\"></span>ten des<span class=\"_ _128\"> </span>Informationsdienstleisters Bloomberg. Dab<span class=\"_ _0\"></span>ei ist festzuhalten, dass nur f\u00fcr<span class=\"_ _0\"></span> 3 Jahre wirtschaftlich sinnvolle Prognosen vorhan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>den sind. Folgende Tabelle zeigt die l\u00e4ndergewichteten makr<span class=\"_ _0\"></span>o\u00f6konomischen Faktor<span class=\"_ _0\"></span>en, die in die ECL<span class=\"_ _0\"></span>-Berechnung f\u00fcr<span class=\"_ _0\"></span> die Segmente<span class=\"_ _128\"> </span>Corporates, Retail und<span class=\"_ _0\"></span> SME per 31. Dezember 2022 eingehen:<span class=\"_ _0\"></span> <table class=\"s w2be h167\" id=\"_8ad42bd1-ccc2-43d2-aa90-bd2ce82c48a5\"><tr><td></td><td class=\"c x1d1 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1132 w61 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Normalszenario </div></td><td class=\"c x1d1 y1133 w2c0 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1136 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1136 w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,58% </div></td><td class=\"c x1d5 y1136 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,68% </div></td><td class=\"c x175 y1136 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,79% </div></td></tr><tr><td class=\"c x174 y1137 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1137 w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">10,26% </div></td><td class=\"c x1d5 y1137 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,40% </div></td><td class=\"c x175 y1137 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,00% </div></td></tr><tr><td class=\"c x174 y1138 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Pessimistisches Szenario </div></td><td class=\"c x1d4 y1138 w62 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1 </div></td><td class=\"c x1d5 y1138 w63 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2 </div></td><td class=\"c x175 y1138 w64 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3 </div></td></tr></table><table class=\"s w2be h169\" id=\"_87518d39-45d2-41d4-b642-e35a4b7afe88\"><tr><td></td><td class=\"c x1d1 y113a w2c0 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y113d w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y113d w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-1,37% </div></td><td class=\"c x1d5 y113d w63 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,06% </div></td><td class=\"c x175 y113d w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,19% </div></td></tr><tr><td class=\"c x174 y113e w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y113e w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">11,84% </div></td><td class=\"c x1d5 y113e w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">4,10% </div></td><td class=\"c x175 y113e w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,69% </div></td></tr></table><table class=\"s w2c4 h16c\" id=\"_ce8e6a33-5e60-4ef0-9255-687fe61fd960\"><tr><td></td><td class=\"c x1d1 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1140 w65 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Optimistisches Szenario </div></td><td class=\"c x1d1 y1141 w2c0 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1143 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1143 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,20% </div></td><td class=\"c x1d5 y1143 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,15% </div></td><td class=\"c x1d7 y1143 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,40% </div></td></tr><tr><td class=\"c x174 y1144 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1144 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">6,81% </div></td><td class=\"c x1d5 y1144 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,38% </div></td><td class=\"c x1d7 y1144 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,52% </div></td></tr></table>Verlustquote bei Ausfall (LGD/<span class=\"_ _0\"></span>Loss Given Default)<span class=\"_ _128\"> </span>Die Verlustquote bei Au<span class=\"_ _0\"></span>sfall entspricht jenem Anteil des Forderungsvolumens,<span class=\"_ _0\"></span> der im Rahmen eines Ausfalls nicht wieder-<span class=\"_ _128\"> </span>eingebracht werden kann<span class=\"_ _0\"></span> und stellt somit den w<span class=\"_ _0\"></span>irtschaftlichen Verlust dar. Die LGD w<span class=\"_ _0\"></span>ird unterteilt in eine LGD aus besicher-<span class=\"_ _128\"> </span>ten Kreditteilen und ein<span class=\"_ _0\"></span>e LGD aus unbesicherten Kreditteilen. Die LGD aus <span class=\"_ _0\"></span>besicherten Kreditteilen h\u00e4ngt von der Sicherh<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>tenart und einer etwaigen Wertentw<span class=\"_ _0\"></span>icklung/Abschreibung im<span class=\"_ _0\"></span> Zeitverlauf ab. Je nach<span class=\"_ _0\"></span> Entwicklung des Exposures im Zeitab-<span class=\"_ _128\"> </span>lauf sowie der Entwicklung d<span class=\"_ _0\"></span>er Sicherheiten ergeben sich im Zeitverlauf so<span class=\"_ _0\"></span>mit effektive LGDs je Laufzeitenband.<span class=\"_ _0\"></span> LGD besichert<span class=\"_ _128\"> </span>F\u00fcr die Berechnung d<span class=\"_ _0\"></span>es Expected Credit Loss werden s\u00e4mtliche internen<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Sicherheiten anhand von Deckungswerten ange-<span class=\"_ _128\"> </span>setzt. Der Unterschied zwischen d<span class=\"_ _0\"></span>em Marktwert und dem Deckungsw<span class=\"_ _0\"></span>ert der Sicherheit entspricht einem Haircut f\u00fcr Sch\u00e4t<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>zunsicherheiten und Wert<span class=\"_ _0\"></span>schwankungen und kann<span class=\"_ _0\"></span> somit implizit als LGD f\u00fcr den besicherten Kreditt<span class=\"_ _1\"></span>eil interpretiert werden.<span class=\"_ _128\"> </span>In der Berechnung des erw<span class=\"_ _0\"></span>arteten Kreditverlusts kommt es daher zu einem impliziten Splitting d<span class=\"_ _0\"></span>es Kredits in besicherte und<span class=\"_ _128\"> </span>unbesicherte Teile. Der besichert<span class=\"_ _0\"></span>e Teil hat demnach nach Ber\u00fccksichtigung der Deckun<span class=\"_ _0\"></span>gswerte einen LGD von 0<span class=\"_ _1\"></span> %, der un-<span class=\"_ _128\"> </span>besicherte Kreditteil erh\u00e4lt<span class=\"_ _0\"></span> die Blanko LGD je nach Segment. F\u00fchrt man<span class=\"_ _0\"></span> die beiden Kreditteile zusammen ergibt sich eine Ar<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span>\u201eMisch\u201c<span class=\"ff4\">-LGD je Laufzeitband<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span></span>LGD unbesichert<span class=\"_ _128\"> </span>Der unbesicherte LGD stellt somit die Nicht<span class=\"_ _0\"></span>-Wiedereinbringungsqu<span class=\"_ _0\"></span>ote nach Abzug von Sicherheitenerl\u00f6s<span class=\"_ _0\"></span>en dar und ist in<span class=\"_ _128\"> </span>erster Linie von Erl\u00f6sen abh\u00e4n<span class=\"_ _0\"></span>gig, die aus der Betreibung und/oder Masseerl\u00f6sen r<span class=\"_ _0\"></span>esultieren.<span class=\"_ _128\"> </span>Forderungswert bei Ausfall (EAD/E<span class=\"_ _0\"></span>xposure at <span class=\"_ _0\"></span>Default)<span class=\"_ _128\"> </span>F\u00fcr Kredite mit bestimmter Kapitalf\u00e4lligkeit findet d<span class=\"_ _0\"></span>ie Cashflow-Sch\u00e4tzu<span class=\"_ _0\"></span>ng anhand d<span class=\"_ _0\"></span>er vertraglichen Tilgungsstruktur statt.<span class=\"_ _128\"> </span>S\u00e4mtliche Cashflows werden<span class=\"_ _0\"></span> durch die Gesch\u00e4ftsmerkmale (Saldo, H\u00f6<span class=\"_ _0\"></span>he Ratenzahlung, Tilgungsfrequenz, Zinszah<span class=\"_ _0\"></span>lungsinter-<span class=\"_ _128\"> </span>vall, Referenzzinss\u00e4tze, F\u00e4lligkeit) s<span class=\"_ _0\"></span>owie aktuelle Marktdaten (Wechselkurse sowie Markt<span class=\"_ _0\"></span>zinss\u00e4tze) bestimmt. Cashflows aus<span class=\"_ _128\"> </span>Zinszahlungen werden d<span class=\"_ _0\"></span>abei aus den in den Zinskurven implizierten Terminzinsen abgeleitet.<span class=\"_ _1\"></span> Revolvierende Kredite weisen keine vert<span class=\"_ _0\"></span>raglich bas<span class=\"_ _0\"></span>ierten Cashflows auf. Daher ist<span class=\"_ _0\"></span> eine explizite Cashflowsch\u00e4tzun<span class=\"_ _0\"></span>g mittels<span class=\"_ _128\"> </span>Replikationsmodellen notw<span class=\"_ _0\"></span>endig. In der Oberbank AG <span class=\"_ _0\"></span>liegen Kredite vor, die hinsichtlich der Laufzeit b. a. w. ab<span class=\"_ _0\"></span>geschlossen werden. Im Rahmen d<span class=\"_ _0\"></span>er j\u00e4hrlichen<span class=\"_ _128\"> </span>Kreditpr\u00fcfung wird d<span class=\"_ _0\"></span>as Kreditverh\u00e4ltnis neu beurteilt und gegebenenfalls eine Anp<span class=\"_ _0\"></span>assung der Kond<span class=\"_ _0\"></span>itionen im Hinblick auf<span class=\"_ _128\"> </span>die Ver\u00e4nderung der Kr<span class=\"_ _0\"></span>editqualit\u00e4t vorgenommen. Diese Kredite sind jed<span class=\"_ _0\"></span>erzeit k\u00fcndbar. Hinsichtlich der Laufzeit wird dah<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>angenommen, dass d<span class=\"_ _0\"></span>iese ein Jahr b<span class=\"_ _0\"></span>etr\u00e4gt, da jedes Jahr eine erneute Entscheidun<span class=\"_ _0\"></span>g \u00fcber die Verl\u00e4ngerung des Kredits ge-<span class=\"_ _128\"> </span>troffen w<span class=\"_ _0\"></span>ird. Die Oberbank AG ist damit dem Kreditrisiko maximal ein Jahr ausgesetzt.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Bei Kreditrahmen wird zun\u00e4chst jener T<span class=\"_ _0\"></span>eil berechnet, der derzeit nicht ausgen\u00fctzt wir<span class=\"_ _1\"></span>d. Hierbei wird der Kreditsaldo vom<span class=\"_ _128\"> </span>Rahmen abgezogen. Dieser nicht a<span class=\"_ _0\"></span>usgen\u00fctzte Kreditrahmen bleibt in weiterer Folge \u00fcber die gesamte Kreditlaufzeit kon<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>stant. Es wird dabei f\u00fcr<span class=\"_ _0\"></span> die Berechnung des Exposure at Default (EAD<span class=\"_ _0\"></span>) durchgehend ein Kreditkonversionsf<span class=\"_ _1\"></span>aktor zu Grunde<span class=\"_ _128\"> </span>gelegt. Die F\u00e4lligkeit des Kreditrahmens kor<span class=\"_ _0\"></span>respondiert dabei immer mit der Laufzeit des Kredit<span class=\"_ _0\"></span>s.<span class=\"_ _0\"></span> Entwicklung der Risikovorsorge im Lebendgesch\u00e4ft<span class=\"_ _0\"></span> Im Vergleich zum Jahresanfang steigt d<span class=\"_ _0\"></span>er Betrag der gebildeten Wertberichtigung im Lebendges<span class=\"_ _1\"></span>ch\u00e4ft (Stufe 1 und Stufe 2)<span class=\"_ _128\"> </span>um Euro 8,11 Mio. Euro.<span class=\"_ _128\"> </span>Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span>Ein gro\u00dfer Treiber f\u00fcr die H\u00f6h<span class=\"_ _0\"></span>e des Expected Credit Loss ist die Stufenbest<span class=\"_ _0\"></span>immung der einzelnen Positionen. Diese resultiert<span class=\"_ _128\"> </span>aus den bereits beschriebenen<span class=\"_ _0\"></span> qualitativen und quantitati<span class=\"_ _0\"></span>ven Stagingkriterien. Nachfolgend werden<span class=\"_ _0\"></span> die Auswirkungen auf<span class=\"_ _128\"> </span>den Expected Credit<span class=\"_ _0\"></span> Loss unter der Annahme, dass alle Positionen einerseits der Stu<span class=\"_ _0\"></span>fe 1 (12<span class=\"_ _0\"></span>-Monats-ECL) u<span class=\"_ _0\"></span>nd andererseits<span class=\"_ _128\"> </span>der Stufe 2 (Lifetime-ECL) zuge<span class=\"_ _0\"></span>wiesen werden, ausgewiesen. <span class=\"_ _0\"></span> Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table>Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Sc<span class=\"_ _0\"></span>hulden<span class=\"_ _128\"> </span>Finanzielle Verbindlichkeiten werden in<span class=\"_ _0\"></span> der Regel zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten bewertet, sofern nicht eine <span class=\"_ _1\"></span> Zuordnung zum Hand<span class=\"_ _0\"></span>elsbestand oder eine Designierun<span class=\"_ _0\"></span>g erfolgt. Solche finanziellen Verbindlichkeiten werden der Kat<span class=\"_ _0\"></span>egorie<span class=\"_ _128\"> </span>erfolgswirksam zum beizulegen<span class=\"_ _0\"></span>den Zeitwert zu<span class=\"_ _0\"></span>gerechnet. Ver\u00e4nderungen des beizulegenden Zeitwerts w<span class=\"_ _0\"></span>erden wie folgt <span class=\"_ _0\"></span> erfasst:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die Ver\u00e4nderung des beizulegend<span class=\"_ _0\"></span>en Zeitwerts, die auf \u00c4nd<span class=\"_ _0\"></span>erungen des Kreditrisikos der Schuld zur\u00fcckzuf\u00fchren ist, wird<span class=\"_ _128\"> </span></span></span>im sonstigen Ergebn<span class=\"_ _0\"></span>is dargestellt.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die verbleibende Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts wird im Gewinn oder V<span class=\"_ _0\"></span>erlust dargestellt.<span class=\"_ _128\"> </span></span></span>Die Klassifizierung finanzieller Verbind<span class=\"_ _0\"></span>lichkeiten zur erfolgswirksamen Bewertung zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert findet immer<span class=\"_ _128\"> </span>dann statt, wenn diese Finan<span class=\"_ _0\"></span>zinstrumente mittels Zinsd<span class=\"_ _0\"></span>erivaten abgesichert werden, um eine Bewertungsin<span class=\"_ _0\"></span>kongruenz <span class=\"_ _0\"></span> zwischen Grundgesch\u00e4ft u<span class=\"_ _0\"></span>nd Derivat weitestgehend zu vermeiden (Fair Valu<span class=\"_ _0\"></span>e Option)<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Die Berechnung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts f\u00fcr verbriefte Verbindlichkeiten, Nac<span class=\"_ _0\"></span>hrangkap<span class=\"_ _0\"></span>ital und Verbindlichkeiten gegen-<span class=\"_ _128\"> </span>\u00fcber Banken und Kunden erfo<span class=\"_ _0\"></span>lgt nach der Barwertmethode (Discounted Cashflow M<span class=\"_ _0\"></span>ethode), wobei die Ermittlung der <span class=\"_ _1\"></span>Cash-<span class=\"_ _128\"> </span>flows der eigenen Emissionen auf Basis d<span class=\"_ _0\"></span>es Vertragszinssatzes erfolgt. Zur<span class=\"_ _0\"></span> Abzinsung wird die der W\u00e4h<span class=\"_ _1\"></span>rung entsprechende<span class=\"_ _128\"> </span>Diskontkurve herangezogen, wobei ein der Senior<span class=\"_ _0\"></span>it\u00e4t der Verbindlichkeit entsprechender Bonit\u00e4t<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-Spread der Ban<span class=\"_ _0\"></span>k als Aufschlag verwendet<span class=\"_ _0\"></span> wird. Die Bonit\u00e4tsaufschl\u00e4ge werden r<span class=\"_ _0\"></span>egelm\u00e4\u00dfig an die jeweiligen Marktgegebenheiten angepasst.<span class=\"_ _128\"> </span> <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>Um die H\u00f6he der \u00c4nderun<span class=\"_ _0\"></span>g des beizulegenden Zeitwerts, der auf \u00c4n<span class=\"_ _0\"></span>derungen des Bonit\u00e4tsrisikos zur\u00fcckzuf\u00fchren ist, ermit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>teln zu k\u00f6nnen, w<span class=\"_ _0\"></span>ird die finanzielle Verbindlichkeit zweifach bewertet, ein<span class=\"_ _0\"></span>erseits auf Basis der Bonit\u00e4tsaufschl\u00e4ge zum Start<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>datum des Finan<span class=\"_ _0\"></span>zinstruments und andererseits auf Bas<span class=\"_ _0\"></span>is der Bonit\u00e4tsaufschl\u00e4ge zum Bilanzstichtag, jeweils bewert<span class=\"_ _0\"></span>et mit<span class=\"_ _128\"> </span>den aktuellen vertraglichen Cash<span class=\"_ _0\"></span>flows und der aktuellen Basis<span class=\"_ _0\"></span>-Zinskurve. D<span class=\"_ _0\"></span>er Unterschiedsbetrag stellt dabei die Wert\u00e4nde-<span class=\"_ _128\"> </span>rung dar, die auf \u00c4nderun<span class=\"_ _0\"></span>gen der Bonit\u00e4tseinsch\u00e4tzun<span class=\"_ _0\"></span>g der Bank zur\u00fcckzuf\u00fchren ist. Dieser Betrag wird im sonst<span class=\"_ _0\"></span>igen Ergebnis erfasst. Die restliche Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>ist dabei auf \u00c4nderungen in der <span class=\"_ _0\"></span> Zinsstrukturkurve sowie au<span class=\"_ _0\"></span>f die Restlaufzeitenverk\u00fcrzung zur\u00fcckz<span class=\"_ _0\"></span>uf\u00fchren un<span class=\"_ _0\"></span>d wird erfolgswirksam in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung dargestellt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Bilanzierung von Sich<span class=\"_ _0\"></span>erungsgesch\u00e4ften<span class=\"_ _128\"> </span>Derzeit wird kein Hedge Account<span class=\"_ _0\"></span>ing in der Oberbank AG durchgef\u00fchrt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> 2.9) Wesentliche Rech<span class=\"_ _0\"></span>nungslegungsgrunds\u00e4tze bezogen auf d<span class=\"_ _0\"></span>ie Konzern<span class=\"_ _0\"></span>-Gewinn- und Verlust-Rec<span class=\"_ _0\"></span>hnung<span class=\"_ _128\"> </span>Zinsergebnis<span class=\"_ _128\"> </span>Zinsertr\u00e4ge und <span class=\"_ _0\"></span>-aufwendungen werden periodengerecht abgegrenzt. Im Zin<span class=\"_ _0\"></span>sergebnis sind Ertr\u00e4ge und A<span class=\"_ _0\"></span>ufwendungen, die<span class=\"_ _128\"> </span>ein Entgelt f\u00fcr die \u00dcberlassun<span class=\"_ _0\"></span>g von Kapital darstellen, enthalten. Dar\u00fcber hinaus sind in diesem<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Posten auch die Ertr\u00e4ge au<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span>Aktien und anderen Anteilsrechten<span class=\"_ _0\"></span> und sonstigen nicht festverzinslichen Wertpapieren en<span class=\"_ _0\"></span>thalten, sofern es sich nicht u<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span>Ertr\u00e4ge aus Wertpapieren handelt, die den Han<span class=\"_ _0\"></span>delsaktiva zuzurechnen sind. A<span class=\"_ _0\"></span>uch Ertr\u00e4ge aus Beteiligungen un<span class=\"_ _1\"></span>d aus Antei-<span class=\"_ _128\"> </span>len an verbunden<span class=\"_ _0\"></span>en Unternehmen (soweit wegen untergeordneter Bedeut<span class=\"_ _0\"></span>ung nicht konsolidiert) werden in diesem Post<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>ausgewiesen. Sowohl in<span class=\"_ _0\"></span> den Zinsertr\u00e4gen als auch in den Zinsaufwendungen sind<span class=\"_ _0\"></span> negative Zinsen enthalten<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Ergebnis aus at Equity bew<span class=\"_ _0\"></span>erteten Unternehm<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Die Position beinhaltet die Ertr\u00e4ge aus an<span class=\"_ _0\"></span>teiligen Ergebnissen aus den at Equit<span class=\"_ _0\"></span>y einbezogenen Unternehmen sowie <span class=\"_ _0\"></span> gegebenenfalls Aufwendun<span class=\"_ _0\"></span>gen aus Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen.<span class=\"_ _0\"></span> Risikovorsorgen im Kreditgesch<span class=\"_ _0\"></span>\u00e4ft<span class=\"_ _128\"> </span>Der Posten Risikovorsorgen im Kredit<span class=\"_ _0\"></span>gesch\u00e4ft beinhaltet Zuf\u00fchrungen zu Wertbericht<span class=\"_ _0\"></span>igungen und R\u00fcckstellungen bzw<span class=\"_ _0\"></span>. Er-<span class=\"_ _128\"> </span>tr\u00e4ge aus der Aufl\u00f6sung von Wert<span class=\"_ _0\"></span>berichtigungen und R\u00fcckstellungen, Direktabschr<span class=\"_ _0\"></span>eibungen, nachtr\u00e4gliche Eing\u00e4nge bereits<span class=\"_ _128\"> </span>ausgebuchter Forderun<span class=\"_ _0\"></span>gen im Zusammenhang mit<span class=\"_ _0\"></span> dem Kreditgesch\u00e4ft sowie das Er<span class=\"_ _0\"></span>gebnis aus nicht signifikanten <span class=\"_ _0\"></span> Modifikationen und POCI Finanzinst<span class=\"_ _0\"></span>rumenten.<span class=\"_ _128\"> </span>Provisionsergebnis<span class=\"_ _128\"> </span>Das Provisionsergebnis ist<span class=\"_ _0\"></span> der Saldo aus den Ertr\u00e4gen und den Aufwendungen a<span class=\"_ _0\"></span>us dem Dienstleistungsgesch\u00e4<span class=\"_ _0\"></span>ft<span class=\"_ _0\"></span>. Handelsergebnis<span class=\"_ _128\"> </span>Dieser Posten beinhaltet G<span class=\"_ _0\"></span>ewinne und Verluste aus Verk\u00e4ufen von Wert<span class=\"_ _0\"></span>papieren und sonstigen Finanzinstrumenten<span class=\"_ _0\"></span> des <span class=\"_ _0\"></span> Handelsbestand<span class=\"_ _0\"></span>s, Bewertungsgewinne und -verlust<span class=\"_ _0\"></span>e aus der Marktbewertung von Wertpapieren und<span class=\"_ _0\"></span> sonstigen Finanz<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>instrumenten d<span class=\"_ _0\"></span>es Handelsbestands, St\u00fcckzinsen von festverzinslichen Wertp<span class=\"_ _0\"></span>apieren des Handelsbestan<span class=\"_ _0\"></span>ds und Dividenden<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>ertr\u00e4ge von Aktien im Hand<span class=\"_ _0\"></span>elsbestand sowie die Refinanzierungsaufwendungen f\u00fc<span class=\"_ _0\"></span>r diese Wertpapiere.<span class=\"_ _0\"></span> Verwaltungsaufwan<span class=\"_ _0\"></span>d<span class=\"_ _128\"> </span>Im Verwaltungsaufwand w<span class=\"_ _0\"></span>erden Person<span class=\"_ _0\"></span>al- und Sachaufwendungen sowie plan<span class=\"_ _0\"></span>m\u00e4\u00dfige Abschreibungen auf d<span class=\"_ _0\"></span>as Sachanlageverm\u00f6gen ausgewiesen. Im Perso<span class=\"_ _0\"></span>nalaufwand werden insb<span class=\"_ _0\"></span>esondere Aufwendungen f\u00fcr L\u00f6hne und G<span class=\"_ _0\"></span>eh\u00e4lter, <span class=\"_ _0\"></span> gesetzliche und freiwillige Sozialaufw<span class=\"_ _0\"></span>endungen sowie die Ver\u00e4nderungen der A<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>fertigungs-, Pensions- u<span class=\"_ _0\"></span>nd Jubil\u00e4umsgeld-<span class=\"_ _128\"> </span>r\u00fcckstellungen erfasst<span class=\"_ _0\"></span>. <span class=\"_ _7\"> </span> Sonstiger betrieblicher Erfolg<span class=\"_ _128\"> </span>Im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg werden die Ergebnisse von finanziellen Verm\u00f6genswerten a<span class=\"_ _0\"></span>us den Bewertungskategorien<span class=\"_ _128\"> </span>finanzielle Verm\u00f6genswerte zu fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffu<span class=\"_ _0\"></span>ngskosten (AC), finanzielle Verm\u00f6genswerte zu<span class=\"_ _0\"></span>m beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust (FV/PL) sow<span class=\"_ _0\"></span>ie finanzielle Verm\u00f6genswerte zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen<span class=\"_ _128\"> </span>im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) ausgewiesen. Dar\u00fcber hinaus wer<span class=\"_ _0\"></span>den in<span class=\"_ _0\"></span> dieser Position auch Ertr\u00e4ge und Au<span class=\"_ _0\"></span>fwendungen aus<span class=\"_ _128\"> </span>operationellen Risiken, Operate Leasing od<span class=\"_ _0\"></span>er Aufwendungen aus so<span class=\"_ _0\"></span>nstigen Steuern und Abgaben erfasst. <span class=\"_ _1\"></span> 2.10) Wesentliche Rech<span class=\"_ _0\"></span>nungslegungsgrunds\u00e4tze bezogen auf die Konzernbilanz<span class=\"_ _0\"></span> Barreserve<span class=\"_ _128\"> </span>Als Barreserve werd<span class=\"_ _0\"></span>en der Kassenbestand und Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken ausgewiesen.<span class=\"_ _0\"></span> Forderungen an Kred<span class=\"_ _0\"></span>itinstitut<span class=\"_ _5\"></span>e <span class=\"_ _0\"></span> Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungskosten abz\u00fcglich Wertb<span class=\"_ _0\"></span>erichtigungen nach IFRS 9 angesetzt. <span class=\"_ _0\"></span> Forderungen an Kunden<span class=\"_ _0\"></span> Diese sind je nach Bewert<span class=\"_ _0\"></span>ungskategorie nach IFRS 9 mit den fortgef\u00fchrten A<span class=\"_ _0\"></span>nschaffungskosten (AC), designiert oder <span class=\"_ _0\"></span> verpflichtend zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust (FV/PL) oder zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit <span class=\"_ _0\"></span> Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis (FV/OCI) a<span class=\"_ _0\"></span>ngesetzt. Wertbericht<span class=\"_ _0\"></span>igungen nach IFRS 9 werden von d<span class=\"_ _0\"></span>er entsprechen-<span class=\"_ _128\"> </span>den Forderung ab<span class=\"_ _0\"></span>gesetzt. Ab dem Jahresabschluss 31.12.2022 werden d<span class=\"_ _0\"></span>ie Leasingforderungen netto, reduziert u<span class=\"_ _0\"></span>m Mietson-<span class=\"_ _128\"> </span>derzahlungen und<span class=\"_ _0\"></span> Depotzahlungen (Effekt 2022: \u20ac 173 Mio.) dargestellt. Di<span class=\"_ _1\"></span><span class=\"ff4\">es f\u00fchrt auch zur Reduzierung der Son<span class=\"_ _0\"></span>stigen Pas-<span class=\"_ _128\"> </span></span>siva in identer H\u00f6he.<span class=\"_ _128\"> </span>Risikovorsorgen<span class=\"_ _128\"> </span>Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch<span class=\"_ _128\"> </span>die Struktur und Qualit\u00e4t der Kreditp<span class=\"_ _0\"></span>ortfolios best<span class=\"_ _0\"></span>immt. Zum Wertminderun<span class=\"_ _0\"></span>gsmodell nach IFRS 9 sei auf 2.8) Finanzielle <span class=\"_ _0\"></span>Verm\u00f6gensw<span class=\"_ _0\"></span>erte und Verpflichtungen sow<span class=\"_ _0\"></span>ie Sicherungsbe-<span class=\"_ _128\"> </span>ziehungen verwiesen. Der Gesamtbetr<span class=\"_ _0\"></span>ag der Risikovorsorgen wird seit dem Gesch\u00e4ftsjahr 2020 nicht meh<span class=\"_ _0\"></span>r als eigener <span class=\"_ _0\"></span>Bi-<span class=\"_ _128\"> </span>lanzposten auf der A<span class=\"_ _0\"></span>ktivseite der Bilanz ausgewiesen, sondern gem\u00e4\u00df IAS 1 von den<span class=\"_ _0\"></span> entsprechenden Bilanzposten gek\u00fcrzt.<span class=\"_ _128\"> </span>Die Risikovorsorgen f\u00fcr au\u00dferb<span class=\"_ _0\"></span>ilanzielle Ge<span class=\"_ _5\"></span>sch\u00e4fte (insb<span class=\"_ _0\"></span>esondere Haftungen und G<span class=\"_ _0\"></span>arantien sowie sonstige Kreditzusagen)<span class=\"_ _128\"> </span>sind im Bilanzpo<span class=\"_ _0\"></span>sten R\u00fcckstellungen enthalten.<span class=\"_ _128\"> </span>Handelsaktiva<span class=\"_ _128\"> </span>Alle Handelsaktiva, das s<span class=\"_ _0\"></span>ind Wertpapiere des Handelsbestands sowie posit<span class=\"_ _0\"></span>ive Marktwerte aus derivativen Finanzinst<span class=\"_ _0\"></span>rumen-<span class=\"_ _128\"> </span>ten des Handelsbuchs u<span class=\"_ _0\"></span>nd offenen derivativen Finanzinstru<span class=\"_ _0\"></span>menten des Bankbuchs, werden mit <span class=\"_ _1\"></span>ihren Marktwerten ausge-<span class=\"_ _128\"> </span>wiesen. F\u00fcr die Ermittlun<span class=\"_ _0\"></span>g werden neben B\u00f6rsenkursen auch marktnahe Bewertungsku<span class=\"_ _0\"></span>rse herangezogen. Sind derart<span class=\"_ _0\"></span>ige<span class=\"_ _128\"> </span>Kurse nicht vorhand<span class=\"_ _0\"></span>en werden anerkannte Bewertungsmodelle verwend<span class=\"_ _0\"></span>et.<span class=\"_ _128\"> </span>Finanzanlagen<span class=\"_ _128\"> </span>Unter den Finanzan<span class=\"_ _0\"></span>lagen werden folgende Finanzinst<span class=\"_ _0\"></span>rumente ausgewiesen: Schuldverschreibu<span class=\"_ _0\"></span>ngen und andere festverzins-<span class=\"_ _128\"> </span>liche Wertpapiere, Aktien und and<span class=\"_ _0\"></span>ere nicht festverzinsliche Wertpapiere, Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, Anteile an<span class=\"_ _128\"> </span>at Equity bewertet<span class=\"_ _0\"></span>en Unternehmen, sonstige Beteiligungen.<span class=\"_ _0\"></span> Die Finanzanlagen umfassen d<span class=\"_ _0\"></span>abei die Bewertungskategorien zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten (AC), zu<span class=\"_ _0\"></span>m beizulegenden<span class=\"_ _128\"> </span>Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL), zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/OCI)<span class=\"_ _128\"> </span>sowie die Anteile an a<span class=\"_ _0\"></span>t Equity-Unternehmen. Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpapiere werden entwed<span class=\"_ _0\"></span>er zu fortgef\u00fchrten Anschaffungsko<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span>(AC), zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) oder zum beizulegenden Zeitwert<span class=\"_ _0\"></span> i<span class=\"_ _0\"></span><span class=\"ls1f\">m </span> Gewinn oder Verlust (FV/PL) zugeordnet<span class=\"_ _0\"></span>.  <span class=\"_ _7\"> </span> Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsliche Wertpapiere werden zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn o<span class=\"_ _0\"></span>der Verlust (FV/PL)<span class=\"_ _128\"> </span>oder zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) bewertet.<span class=\"_ _128\"> </span>Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen und Beteiligungen, die weder vollkon<span class=\"_ _0\"></span>solidiert noch at Equity bewertet w<span class=\"_ _0\"></span>erden, wer-<span class=\"_ _128\"> </span>den unter der Bewertungskat<span class=\"_ _0\"></span>egorie zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) oder<span class=\"_ _128\"> </span>zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im Gewinn oder Verlust (FV/PL) erfasst. In<span class=\"_ _0\"></span> der Bewertungskategorie zum beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust werden nur jene Anteile an verbun<span class=\"_ _0\"></span>denen Unternehmen und Beteiligungen erfasst,<span class=\"_ _0\"></span> die zum<span class=\"_ _128\"> </span>Marktwert gesteuert werden. Dies trifft v<span class=\"_ _0\"></span>or allem auf An<span class=\"_ _0\"></span>teile an Private Equity Fonds zu<span class=\"_ _0\"></span>. F\u00fcr alle anderen Anteile an verbun-<span class=\"_ _128\"> </span>denen Unternehmen und<span class=\"_ _0\"></span> Beteiligungen wurde das Wah<span class=\"_ _0\"></span>lrecht in Anspruch genommen und<span class=\"_ _0\"></span> diese der Bewertungskategorie<span class=\"_ _128\"> </span>zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _1\"></span>OCI) zugeordnet.<span class=\"_ _128\"> </span>In Gesch\u00e4ftsjahr 2022 fand<span class=\"_ _0\"></span>en keine Umwidmungen zwischen den Bewertu<span class=\"_ _0\"></span>ngskategorien statt.<span class=\"_ _0\"></span> Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass ist bei Schuldtiteln dann gegeben, wenn<span class=\"_ _0\"></span> der Marktwert um mindestens 20 % unter die <span class=\"_ _0\"></span> Anschaffungskosten d<span class=\"_ _0\"></span>es Schuldtitels sinkt<span class=\"_ _0\"></span> und dies dauerhaft \u00fcber einen Zeitraum von n<span class=\"_ _0\"></span>eun Monaten der Fall ist. In der<span class=\"_ _128\"> </span>Folge wird gepr\u00fcft, ob ein Ereignis eingetreten<span class=\"_ _0\"></span> ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungsstr\u00f6me aus dem Schuld-<span class=\"_ _128\"> </span>titel hat und sich verl\u00e4sslich sch\u00e4t<span class=\"_ _0\"></span>zen l\u00e4sst. Wir<span class=\"_ _0\"></span>d festgestellt, dass bei diesem Schuldtitel innerhalb d<span class=\"_ _0\"></span>er geplanten Behaltefrist<span class=\"_ _128\"> </span>eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten nicht zu erwart<span class=\"_ _0\"></span>en ist (Ausschluss von Marktschwankungen), liegt Impair-<span class=\"_ _128\"> </span>ment vor.<span class=\"_ _128\"> </span>Anteile an at Equity b<span class=\"_ _0\"></span>ewerteten Unternehmen w<span class=\"_ _0\"></span>erden mit dem der Oberbank AG zustehenden ant<span class=\"_ _0\"></span>eiligen Eigenkapital des<span class=\"_ _128\"> </span>Beteiligungsunternehmens <span class=\"_ _0\"></span>angesetzt. Wenn objektive Hinweise f\u00fcr eine Wertmind<span class=\"_ _0\"></span>erung bei einer at Equity bewerteten Be-<span class=\"_ _128\"> </span>teiligung vorliegen, wird f\u00fcr d<span class=\"_ _0\"></span>iese Beteilig<span class=\"_ _5\"></span>ung ein individu<span class=\"_ _0\"></span>eller Nutz<span class=\"_ _0\"></span>ungswert (Valu<span class=\"_ _0\"></span>e in Use) ermittelt. Der h\u00f6here Wert aus<span class=\"_ _128\"> </span>beizulegendem Zeitwert ab<span class=\"_ _0\"></span>z\u00fcglich der Verkaufskosten und Nutzungswert stellt d<span class=\"_ _0\"></span>en erzielbaren Betrag gem\u00e4\u00df IAS 36.6 dar<span class=\"_ _128\"> </span>und dieser ist f\u00fcr die Bewertung heranzu<span class=\"_ _0\"></span>ziehen. Der Anlass f\u00fcr eine Impairment<span class=\"_ _0\"></span>-Pr<span class=\"_ _0\"></span>\u00fcfung ist gegeben, wenn<span class=\"_ _0\"></span> entweder der<span class=\"_ _128\"> </span>Marktwert um mindesten<span class=\"_ _0\"></span>s 20 % unter den At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert sinkt oder wenn der Marktwert dauerhaft min<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>destens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von 9 Monaten unter dem At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert liegt.<span class=\"_ _128\"> </span>Zum Bewertungssticht<span class=\"_ _0\"></span>ag 31.12.2022 war der qu<span class=\"_ _0\"></span>antitative Impairment Trigger bei der at Equity bewerteten Beteiligung an<span class=\"_ _0\"></span> der voestalpine AG ausgel\u00f6st<span class=\"_ _0\"></span>, da der B\u00f6rsenkurs am 31.12.2022 mit \u20ac 24,78 signifikant<span class=\"_ _0\"></span> um 41,28 % unter den at Equity<span class=\"_ _1\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span>Buchkurs in H\u00f6he von \u20ac 42,20 gefallen i<span class=\"_ _0\"></span><span class=\"ff4\">st. </span>Damit wurde eine Wertminderungsp<span class=\"_ _0\"></span>r\u00fcfung ausgel\u00f6st, bei der der individuelle Nutzungsw<span class=\"_ _0\"></span>ert (Value in Use) der voestalpine<span class=\"_ _128\"> </span>AG zum 31.12.2022 ermittelt wu<span class=\"_ _0\"></span>rde. Der Nutzungswert wurde nach dem Discou<span class=\"_ _0\"></span>nted Cash Flow Verfahren unter Anwendun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>des WACC-Ansatzes (gewogene<span class=\"_ _0\"></span> durchschnittliche Kap<span class=\"_ _0\"></span>italkosten) berechnet und ergab einen Wert in H\u00f6he von 551.247 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Euro. Dieser Wert wurde als erzielbarer Betrag als h<span class=\"_ _0\"></span>\u00f6herer Wert aus dem Vergleich zwischen Nut<span class=\"_ _0\"></span>zungswert und beizulegen-<span class=\"_ _128\"> </span>dem Zeitwert abz\u00fcglich Verkau<span class=\"_ _0\"></span>fskosten h<span class=\"_ _0\"></span>erangezogen, was zu einem Wertminderungsaufw<span class=\"_ _0\"></span>and in H\u00f6he von 54.640 Tsd.<span class=\"_ _128\"> </span>Euro f\u00fchrte. Als Diskontierungszinssatz wurd<span class=\"_ _0\"></span>e im Terminal Value ein WACC (Weighted Average Cost<span class=\"_ _0\"></span> of Capital) von 7,07 %<span class=\"_ _128\"> </span>herangezogen. Eine \u00c4nd<span class=\"_ _0\"></span>erung des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 25 Basispun<span class=\"_ _0\"></span>kte h\u00e4tte eine Reduzierung um 5,98 % b<span class=\"_ _0\"></span>zw.<span class=\"_ _128\"> </span>Erh\u00f6hung des Nut<span class=\"_ _0\"></span>zungswertes um 6,53 % und eine \u00c4nderun<span class=\"_ _0\"></span>g des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 50 Bas<span class=\"_ _0\"></span>ispunkte h\u00e4tt<span class=\"_ _0\"></span>e eine<span class=\"_ _128\"> </span>Reduzierung um 11,48 %<span class=\"_ _0\"></span> bzw. Erh\u00f6hung des Nutzungswertes um 13,69 % zu<span class=\"_ _0\"></span>r Folge. <span class=\"_ _0\"></span> Bei den <span class=\"lsd\">at</span>-Equ<span class=\"_ _0\"></span>ity bewerteten Beteiligungen an der BKS Bank AG und<span class=\"_ _0\"></span> der Bank f\u00fcr Tirol und Vorarlberg AG l\u00f6st der B\u00f6rsen-<span class=\"_ _128\"> </span>kurs aufgrund der Illiquidit\u00e4t d<span class=\"_ _0\"></span>er Aktien keinen Impairment<span class=\"_ _0\"></span>-Trigger aus. Sofern nicht s<span class=\"_ _0\"></span>onstige objektive Hinweise f\u00fcr eine<span class=\"_ _128\"> </span>Wertminderung vorliegen, st<span class=\"_ _0\"></span>ellt das anteilige Eigenkapital dieser Beteiligungen den<span class=\"_ _0\"></span> erzielbaren Betrag dar. Aus Gr\u00fcnden<span class=\"_ _0\"></span> der<span class=\"_ _128\"> </span>Sorgfalt erfolgt eine indikat<span class=\"_ _0\"></span>ive Bewertung dieser Wertans\u00e4tze auf Basis eines Dividend<span class=\"_ _1\"></span>-Discount Models (DDM) zum Bilanz-<span class=\"_ _128\"> </span>stichtag. Der Unternehmensw<span class=\"_ _0\"></span>ert wird<span class=\"_ _0\"></span> hier unter Ber\u00fccksichtigung der m\u00f6glichen zuk\u00fcnftigen Untern<span class=\"_ _0\"></span>ehmensergebnisse und<span class=\"_ _128\"> </span>notwendiger regulatorischer E<span class=\"_ _0\"></span>igenmittelerfordernisse als Barwert ermittelt.<span class=\"_ _0\"></span> Die Sch\u00e4tzungen der zuk\u00fcnft<span class=\"_ _0\"></span>igen Ergebnisse beruhen auf d<span class=\"_ _0\"></span>er vom jeweiligen Aufsichtsrat genehmigten<span class=\"_ _0\"></span> Mit<span class=\"_ _0\"></span>telfristplanung.<span class=\"_ _128\"> </span>Die Herleitung des Abzinsun<span class=\"_ _0\"></span>gsfaktors erfolgt auf Basis von extern beobachtbaren Fakt<span class=\"_ _0\"></span>oren. <span class=\"_ _0\"></span> Aus den indikativen<span class=\"_ _0\"></span> Bewertungen w\u00fcrde auch bei ausgel\u00f6st<span class=\"_ _0\"></span>em Impairment<span class=\"_ _0\"></span>-Trigger kein Wertminderungserfordernis <span class=\"_ _0\"></span> resultieren. <span class=\"_ _7\"> </span> Immaterielles Anlageverm\u00f6<span class=\"_ _0\"></span>gen und Sachanlageverm\u00f6gen<span class=\"_ _0\"></span> Die Position Immaterielle Anlageverm\u00f6genswert<span class=\"_ _0\"></span>e umfasst insbesondere Patente, Lizenzen, Softw<span class=\"_ _0\"></span>are, Kundenstock und<span class=\"_ _128\"> </span>Rechte sowie erworb<span class=\"_ _0\"></span>ene Gesch\u00e4fts- oder Firmenwerte. Die Bewertung erfolgt zu<span class=\"_ _0\"></span> Anschaffungs- b<span class=\"_ _0\"></span>zw. Herstellungskos<span class=\"_ _0\"></span>ten,<span class=\"_ _128\"> </span>vermindert um planm\u00e4\u00df<span class=\"_ _0\"></span>ige und au\u00dferplanm\u00e4\u00dfige Abschreibungen. Die planm\u00e4\u00dfige Ab<span class=\"_ _0\"></span>schreibung erfolgt linear auf Basis der <span class=\"_ _1\"></span> gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauer. Die Nutzungsdauer f\u00fcr immaterielles Anlageverm\u00f6gen betr\u00e4gt<span class=\"_ _0\"></span> in der Oberbank AG drei bis 20<span class=\"_ _128\"> </span>Jahre. Sachanlageverm\u00f6gen (einschlie\u00dflich als Finan<span class=\"_ _0\"></span>zinvestitionen gehaltener Immob<span class=\"_ _0\"></span>ilien) wird zu Anschaffungs<span class=\"_ _0\"></span>- b<span class=\"_ _0\"></span>zw. Herstel-<span class=\"_ _128\"> </span>lungskosten, reduziert<span class=\"_ _0\"></span> um planm\u00e4\u00dfige Abschreibungen, bew<span class=\"_ _0\"></span>ertet. Voraussichtlich dauerhafte Wertminderun<span class=\"_ _0\"></span>gen f\u00fchren zu<span class=\"_ _128\"> </span>einer au\u00dferplanm\u00e4\u00df<span class=\"_ _0\"></span>igen Abschreibung. Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng erfolgt linear auf Basis der gesch\u00e4tzten <span class=\"_ _1\"></span>Nutzungs-<span class=\"_ _128\"> </span>dauer. In der Oberbank AG <span class=\"_ _0\"></span>gilt folgende durchschnittliche Nutzungsdauer: ban<span class=\"_ _0\"></span>kbetrieblich gen\u00fctzte Geb\u00e4ude zehn b<span class=\"_ _0\"></span>is 40 Jahre; <span class=\"_ _0\"></span> Betriebs- und<span class=\"_ _0\"></span> Gesch\u00e4ftsausstattung vier bis 2<span class=\"_ _0\"></span>0 Jahre; Standard-Software vier Jahr<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span>Dar\u00fcber hinaus wird jeweils zum Bilanzstichtag \u00fc<span class=\"_ _0\"></span>berpr\u00fcft, ob Anhaltspunkte f\u00fcr eine Wertminderung vo<span class=\"_ _0\"></span>rliegen. Bei dieser<span class=\"_ _128\"> </span>\u00dcberpr\u00fcfung ermittelt die Oberban<span class=\"_ _0\"></span>k den f\u00fcr den Verm\u00f6genswert erzielbaren Betrag. D<span class=\"_ _0\"></span>ieser entsprich<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>em h\u00f6heren Betrag<span class=\"_ _128\"> </span>aus Nutzwert oder Nettover\u00e4u\u00dferu<span class=\"_ _0\"></span>ngspreis. Liegt der erzielbare Betrag unter dem Bu<span class=\"_ _0\"></span>chwert des Verm\u00f6genswerts erfolgt<span class=\"_ _128\"> </span>die ergebniswirksame Erfassung eines Wertminderun<span class=\"_ _0\"></span>gsbetrags in H\u00f6he dieses Unt<span class=\"_ _0\"></span>erschiedsbetrags.<span class=\"_ _0\"></span> Unter dem Sachanlageverm\u00f6gen<span class=\"_ _0\"></span> werden seit 1.1.2019 au<span class=\"_ _0\"></span>ch die aktivierten Nutzungsrechte (right of use asset<span class=\"_ _0\"></span>s) nach IFRS 16<span class=\"_ _128\"> </span>ausgewiesen. Leasing als Leasingnehmer<span class=\"_ _128\"> </span>Ein Leasingverh\u00e4ltnis ist n<span class=\"_ _0\"></span>ach IFRS 16 ein Vertrag oder Teil eines Vertrags,<span class=\"_ _0\"></span> der gegen Zahlung eines Entgelts f\u00fcr einen <span class=\"_ _1\"></span> bestimmten Zeitraum zur Nu<span class=\"_ _0\"></span>tzung eines Verm\u00f6genswerts berechtigt. Nutzun<span class=\"_ _0\"></span>gsrechte (right of use assets) an den Leasingge-<span class=\"_ _128\"> </span>genst\u00e4nden werden<span class=\"_ _0\"></span> zum Zugangszeitpunkt mit den Anschaffungskost<span class=\"_ _0\"></span>en bewertet. Die Anschaffungskost<span class=\"_ _0\"></span>en entsprechen in<span class=\"_ _128\"> </span>der Regel dem Barwert der korrespon<span class=\"_ _0\"></span>dierenden Leasingverbindlichkeiten. Von d<span class=\"_ _0\"></span>em Wahlrecht nach IFRS 16.5, Nutzungs-<span class=\"_ _128\"> </span>rechte an Leasinggegenst\u00e4nden aus kurzfrist<span class=\"_ _0\"></span>igen Leasingverh\u00e4lt<span class=\"_ _0\"></span>nissen und aus Leasingverh\u00e4ltnissen<span class=\"_ _0\"></span> mit geringem Wert nicht<span class=\"_ _128\"> </span>zu aktivieren, wird kein Gebrauch gemacht. Die plan<span class=\"_ _0\"></span>m\u00e4\u00dfige Abschreibung d<span class=\"_ _0\"></span>er Nutzungsrechte an den Leasinggegenst\u00e4nd<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>erfolgt linear \u00fcber die voraussichtliche Nut<span class=\"_ _0\"></span>zungsdauer beziehun<span class=\"_ _0\"></span>gsweise \u00fcber d<span class=\"_ _0\"></span>ie k\u00fcrzere Vertragslaufzeit. Liegen Anhalts-<span class=\"_ _128\"> </span>punkte vor, dass Nutzungsrechte an den<span class=\"_ _0\"></span> Leasinggegenst\u00e4nden wertgemindert sein k\u00f6nnten,<span class=\"_ _0\"></span> erfolgt eine \u00dcberpr\u00fcfung nach<span class=\"_ _128\"> </span>IAS 36. Die k\u00fcnftigen Leasingzahlun<span class=\"_ _0\"></span>gen werden mit laufzeit<span class=\"_ _0\"></span>- und w\u00e4hrungsdifferenzi<span class=\"_ _0\"></span>erten SWAP-Zinss\u00e4tzen ab<span class=\"_ _0\"></span>gezinst und<span class=\"_ _128\"> </span>nach der Effektivzinsmet<span class=\"_ _0\"></span>hode zu fortgef\u00fchrten Anschaffungskosten b<span class=\"_ _0\"></span>ewertet.<span class=\"_ _128\"> </span>Im Oberbank Kon<span class=\"_ _0\"></span>zern gibt es befristete (mit und ohne Verl\u00e4ngerun<span class=\"_ _0\"></span>gsoption) sowie unbefristete Vertragsverh\u00e4ltn<span class=\"_ _0\"></span>isse. Die<span class=\"_ _128\"> </span>Bestimmung der Leasingver<span class=\"_ _0\"></span>tragslaufzeit erfolgt grundlegend zu Beginn d<span class=\"_ _0\"></span>er Nutzungs\u00fcberlassung bzw. <span class=\"_ _0\"></span>erstmalig bei der <span class=\"_ _0\"></span> Erstanwendung des IFRS 16. Befrist<span class=\"_ _0\"></span>ete Vertr\u00e4ge ohne Verl\u00e4ngerun<span class=\"_ _0\"></span>gsoption werden mit einer Laufzeit bis zu ih<span class=\"_ _0\"></span>rem <span class=\"_ _0\"></span> vertraglichen Enddatum an<span class=\"_ _0\"></span>gesetzt. Die Leasingvertrag<span class=\"_ _0\"></span>slaufzeit f\u00fcr befristet<span class=\"_ _0\"></span>e Vertr\u00e4ge mit Verl\u00e4ngerungsoption sowie unbefristete Vertr\u00e4ge wird in dem Ma\u00dfe angenommen, d<span class=\"_ _0\"></span>ass die gesamte Vertragslaufzeit der Nut<span class=\"_ _0\"></span>zungs\u00fcberlassung grund-<span class=\"_ _128\"> </span>s\u00e4tzlich den durchschnittlichen In<span class=\"_ _0\"></span>vestitionszyklus der Ob<span class=\"_ _0\"></span>erbank AG von 20 Jah<span class=\"_ _0\"></span>ren nicht \u00fcbersteigt.<span class=\"_ _128\"> </span>Leasing (als Leasinggeber) un<span class=\"_ _0\"></span>d als Finanzinvestition gehaltene Immob<span class=\"_ _0\"></span>ilien<span class=\"_ _128\"> </span>Die Oberbank bietet sow<span class=\"_ _0\"></span>ohl Finanzierungsleasingvertr\u00e4ge als auch Operat<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-Leasing-Vertr\u00e4ge an. Gem\u00e4\u00df IFRS 16 han<span class=\"_ _0\"></span>delt es<span class=\"_ _128\"> </span>sich bei einem Finanzierungsleasing u<span class=\"_ _0\"></span>m ein Leasingverh\u00e4lt<span class=\"_ _0\"></span>nis, bei dem im Wesentlichen alle mit dem Eigentu<span class=\"_ _0\"></span>m verbundenen<span class=\"_ _128\"> </span>Chancen und Risiken eines Verm\u00f6gensw<span class=\"_ _0\"></span>erts \u00fcbertragen werden. Letztlich kann<span class=\"_ _0\"></span> dabei auch das Eigentumsrecht<span class=\"_ _0\"></span> \u00fcbertragen<span class=\"_ _128\"> </span>werden. Die Oberbank AG <span class=\"_ _0\"></span>weist als Leasinggeber beim Finanzie<span class=\"_ _0\"></span>rungsleasing eine Forderu<span class=\"_ _0\"></span>ng gegen\u00fcber dem Leasingnehmer<span class=\"_ _128\"> </span>in H\u00f6he der Barwerte der vertraglich vereinbarten Za<span class=\"_ _0\"></span>hlungen aus. Die Leasingertr\u00e4ge werden in den Zin<span class=\"_ _0\"></span>sen und \u00e4hnlichen<span class=\"_ _128\"> </span>Ertr\u00e4gen ausgewiesen. Ein Op<span class=\"_ _0\"></span>erate-Leasing-Verh\u00e4ltnis ist<span class=\"_ _0\"></span> ein Leasingverh\u00e4ltnis, b<span class=\"_ _0\"></span>ei dem es sich nicht um ein Finan<span class=\"_ _0\"></span>zierungs-<span class=\"_ _128\"> </span>leasingverh\u00e4ltnis handelt. <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> 62<span class=\"ls0\"> </span>Bei Operate-Leasing-Vertr\u00e4gen w<span class=\"_ _0\"></span>erden die zur Vermietung b<span class=\"_ _0\"></span>estimmten Verm\u00f6gensgegenst\u00e4nde, vermind<span class=\"_ _0\"></span>ert um Abschrei-<span class=\"_ _128\"> </span>bungen, im Sachan<span class=\"_ _0\"></span>lageverm\u00f6gen ausgewiesen. Als Finanzinvestit<span class=\"_ _0\"></span>ionen gehalten<span class=\"_ _0\"></span>e Immobilien werden zu<span class=\"_ _0\"></span> fortgef\u00fchrten An-<span class=\"_ _128\"> </span>schaffungskosten bilanziert. <span class=\"_ _0\"></span>Die Leasingertr\u00e4ge werden im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg ausgewiesen.<span class=\"_ _0\"></span> Derivate<span class=\"_ _128\"> </span>Finanzderivate werden in d<span class=\"_ _0\"></span>er Bilanz mit ihrem Fair Value angesetzt, w<span class=\"_ _0\"></span>obei Wert\u00e4nderungen des Gesch\u00e4ftsjah<span class=\"_ _1\"></span>res grunds\u00e4tz-<span class=\"_ _128\"> </span>lich sofort erfolgswirksa<span class=\"_ _0\"></span>m in der Gewinn- und<span class=\"_ _0\"></span> Verlust-Rechnung erfasst werden. Soweit die Fair<span class=\"_ _0\"></span>-Value-Option gem\u00e4\u00df IFRS 9<span class=\"_ _128\"> </span>in Anspruch genommen w<span class=\"_ _0\"></span>ird, dient sie der Vermeidung bzw. der Beseitigung von Inkongru<span class=\"_ _0\"></span>enzen beim Ansatz und bei der <span class=\"_ _1\"></span> Bewertung von V<span class=\"_ _0\"></span>erm\u00f6genswerten und Verbindlichkeiten. Dementsprechend<span class=\"_ _0\"></span> werden in diesem Fall Verm\u00f6genswerte und<span class=\"_ _128\"> </span>Verbindlichkeiten erfolgswirksam mit d<span class=\"_ _0\"></span>em Fair Value bewertet. Der Vorstand h<span class=\"_ _0\"></span>at eine Investmentstrategie beschlossen, in<span class=\"_ _128\"> </span>der diese Vorgangsweise festgeha<span class=\"_ _0\"></span>lten wurde, n\u00e4mlich Inkon<span class=\"_ _0\"></span>gruenzen durch die Anwendung der Fair<span class=\"_ _0\"></span>-Value-Option zu<span class=\"_ _0\"></span> ver-<span class=\"_ _128\"> </span>meiden.<span class=\"_ _128\"> </span>Steuerabgrenzung<span class=\"_ _128\"> </span>Der Ausweis und die Berechnung von<span class=\"_ _0\"></span> Ertragsteuern erfolgen gem\u00e4\u00df IAS 12. Die Berechnung erfolgt<span class=\"_ _0\"></span> bei jedem Steuersubjekt<span class=\"_ _128\"> </span>zu den Steuers\u00e4tzen, die erwa<span class=\"_ _0\"></span>rtungsgem\u00e4\u00df in dem Besteueru<span class=\"_ _0\"></span>ngszeitraum angewendet w<span class=\"_ _0\"></span>erden, in dem sich die Steuerlatenz<span class=\"_ _128\"> </span>umkehrt. F\u00fcr Verlustvortr\u00e4ge werden a<span class=\"_ _0\"></span>ktive latente Steuern angesetzt, wenn es wahrscheinlich ist<span class=\"_ _0\"></span>, dass in Zukunft mit steu-<span class=\"_ _128\"> </span>erbaren Gewinnen in entsp<span class=\"_ _0\"></span>rechender H\u00f6he der gl<span class=\"_ _0\"></span>eichen Gesellschaft zu rechnen<span class=\"_ _0\"></span> ist. Ertragsteueranspr\u00fcche bzw. <span class=\"_ _0\"></span> -verpflichtungen w<span class=\"_ _0\"></span>erden in den Positionen Sonstige Aktiva bzw. Steuerschulden a<span class=\"_ _0\"></span>usgewiesen.<span class=\"_ _128\"> </span>Handelspassiva<span class=\"_ _128\"> </span>In diesem Posten w<span class=\"_ _0\"></span>erden insbesondere negative Marktwerte aus derivativen Finan<span class=\"_ _0\"></span>zinstru<span class=\"_ _0\"></span>menten des Hand<span class=\"_ _0\"></span>elsbuchs und aus<span class=\"_ _128\"> </span>offenen derivativen Finanzinst<span class=\"_ _0\"></span>rumenten des Bankbuchs ausgewiesen. Die Hand<span class=\"_ _0\"></span>elspassiva werden im Bilanzpost<span class=\"_ _0\"></span>en Sonstige<span class=\"_ _128\"> </span>Passiva ausgewiesen.<span class=\"_ _128\"> </span>Verbindlichkeiten gegen\u00fc<span class=\"_ _0\"></span>ber Kreditinstituten und Kunden<span class=\"_ _0\"></span> Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungsko<span class=\"_ _0\"></span>sten angesetzt. Ausnahmen sind Grun<span class=\"_ _0\"></span>dgesch\u00e4fte, f\u00fcr die die Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Option in Anspruch geno<span class=\"_ _0\"></span>mmen wird.<span class=\"_ _128\"> </span>Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> Verbriefte Verbindlichkeiten werd<span class=\"_ _0\"></span>en grunds\u00e4tzlich mit den fortgef\u00fchrt<span class=\"_ _0\"></span>en Anschaffungskosten bilanziert. S<span class=\"_ _1\"></span>oweit die Fair-<span class=\"_ _128\"> </span>Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird, werden die verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten mit dem Fair Value bilanziert<span class=\"_ _0\"></span>. Langfris-<span class=\"_ _128\"> </span>tige, abgezinst begebene Schuldverschreibungen (Nu<span class=\"_ _0\"></span>llkuponanleihen) werden mit dem Barwert b<span class=\"_ _0\"></span>ilanziert. Der Betrag der<span class=\"_ _128\"> </span>verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten wird um die Anschaffungskosten der im Eigenbestand<span class=\"_ _0\"></span> befindlichen Emissionen gek\u00fcrzt.<span class=\"_ _0\"></span> R\u00fcckstellungen<span class=\"_ _128\"> </span>a) Personalr\u00fcckstellungen<span class=\"_ _0\"></span> R\u00fcckstellungen werden<span class=\"_ _0\"></span> gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder fakt<span class=\"_ _0\"></span>ische Verpflichtung gegen\u00fcber Dritten<span class=\"_ _128\"> </span>besteht. S\u00e4mtliche Sozialkapitalr<span class=\"_ _0\"></span>\u00fcckstellungen (Pension<span class=\"_ _0\"></span>en, Abfertigungsverpflichtungen und Jubil\u00e4umsgelder) w<span class=\"_ _0\"></span>erden ge-<span class=\"_ _128\"> </span>m\u00e4\u00df IAS 19, basierend<span class=\"_ _0\"></span> auf versicherungsmathematischen Gutachten, ermit<span class=\"_ _0\"></span>telt. Dabei werden neben den am Bilanzst<span class=\"_ _0\"></span>ichtag <span class=\"_ _0\"></span> bekannten Renten und<span class=\"_ _0\"></span> erworbenen Anwartschaften auch d<span class=\"_ _0\"></span>ie k\u00fcnftig zu erwartenden Erh\u00f6hungen an Geh\u00e4lt<span class=\"_ _0\"></span>ern und Renten<span class=\"_ _128\"> </span>einbezogen.<span class=\"_ _128\"> </span>Der versicherungsmathemat<span class=\"_ _0\"></span>ischen Berechnung wurden f\u00fcr<span class=\"_ _0\"></span> s\u00e4mtliche R\u00fcckstellungen folgende Parameter zugrunde gelegt:<span class=\"_ _1\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rechnungszinsfu\u00df (lan<span class=\"_ _0\"></span>gfristiger Kapitalmarktzins) von 3,75 % (Vorjahr 1,25 %<span class=\"_ _0\"></span>);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Gehaltserh\u00f6hun<span class=\"_ _0\"></span>gen von 2,84 % (Vorjahr 2,63 %) und Pensionserh\u00f6hung<span class=\"_ _0\"></span>en v<span class=\"_ _0\"></span>on 1,89 % (Vorjahr 1,67 %);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Entsprechend den \u00dcb<span class=\"_ _0\"></span>ergangsregelungen zur Pensionsreform liegt das ind<span class=\"_ _0\"></span>ividuell ermittelte Pensionsantrittsalter bei <span class=\"_ _0\"></span> </span></span>M\u00e4nnern bei 65 Jahren<span class=\"_ _0\"></span>, bei Frauen zwischen 59 und 65 Jahren.<span class=\"_ _0\"></span> Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne bzw. Verlust<span class=\"_ _0\"></span>e aus Pensions- und Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellungen wurden im Gesch\u00e4ft<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>jahr erfolgsneutral im so<span class=\"_ _0\"></span>nstigen Ergebnis erfasst<span class=\"_ _0\"></span>. <span class=\"_ _7\"> </span>b) Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> Sonstige R\u00fcckstellungen werd<span class=\"_ _0\"></span>en gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder faktische Verpflicht<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>g gegen-<span class=\"_ _128\"> </span>\u00fcber einem Dritten best<span class=\"_ _0\"></span>eht und es wahrscheinlich ist, dass diese Verpflichtung zu<span class=\"_ _0\"></span> einem Abfluss von Ressourcen f\u00fchren<span class=\"_ _128\"> </span>wird. Die R\u00fcckstellungen werd<span class=\"_ _0\"></span>en mit jenem Wert angesetzt, der die bestm\u00f6gliche Sch\u00e4tzung der zur E<span class=\"_ _0\"></span>rf\u00fcllung der <span class=\"_ _0\"></span> Verpflichtung erford<span class=\"_ _0\"></span>erlichen Ausgabe darstellt.<span class=\"_ _128\"> </span>Sonstige Passiva<span class=\"_ _128\"> </span>Im Posten Sonstige Passiva werden p<span class=\"_ _0\"></span>assive Rechnungsabgrenzungsposten, Verbind<span class=\"_ _0\"></span>lichkeiten, die im Vergleich zu den <span class=\"_ _1\"></span> R\u00fcckstellungen mit einem wesentlich h<span class=\"_ _0\"></span>\u00f6heren Grad an Sicherheit hinsichtlich der H\u00f6<span class=\"_ _0\"></span>he oder des <span class=\"_ _0\"></span>Zeitpunkt<span class=\"_ _0\"></span>s der Erf\u00fcllungs-<span class=\"_ _128\"> </span>verpflichtung ausgestattet sin<span class=\"_ _0\"></span>d, negative Marktwerte von geschlossenen Derivaten d<span class=\"_ _0\"></span>es Bankbuchs, sonstige Verpflichtun-<span class=\"_ _128\"> </span>gen, die keinem anderen Bilanzpo<span class=\"_ _0\"></span>sten zugeordnet werden k\u00f6nnen<span class=\"_ _0\"></span>, sow<span class=\"_ _0\"></span>ie Leasingverbindlichkeiten nach IFRS 16 ausgewi<span class=\"_ _0\"></span><span class=\"lsc\">e-<span class=\"_ _128\"> </span></span>sen. Von Leasingnehmern erhalt<span class=\"_ _0\"></span>ene Mietsonderzahlun<span class=\"_ _0\"></span>gen und Depotzahlungen werden ab dem Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 31.12.2022<span class=\"_ _128\"> </span>von den Leasingforderungen auf der Akt<span class=\"_ _0\"></span>ivseite abgezogen.<span class=\"_ _0\"></span> Eigenkapital<span class=\"_ _128\"> </span>Mit Beschluss der Haupt<span class=\"_ _0\"></span>versammlung vom 28.4.1999 erfolgte die Umstellung<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>es Grundkapitals von Schilling auf Euro s<span class=\"_ _0\"></span>owie<span class=\"_ _128\"> </span>von Nennbetragsaktien in n<span class=\"_ _0\"></span>ennwertlose St\u00fcckaktien. Bei der Kapitalerh\u00f6hung im Jahr<span class=\"_ _0\"></span> 2000 mit Beschluss der Hauptver<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>sammlung vom 27.4.2000 wur<span class=\"_ _0\"></span>de das Grundkapital von 58.160.000,00 Eu<span class=\"_ _0\"></span>ro auf 60.486.400,00 Euro<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>urch Ausgabe von<span class=\"_ _128\"> </span>320.000 St\u00fcck Stammaktien erh\u00f6<span class=\"_ _0\"></span>ht. Mit Beschluss der Hauptversammlung vo<span class=\"_ _0\"></span>m 22.4.2002 erfolgte eine Erh\u00f6hung d<span class=\"_ _0\"></span>es<span class=\"_ _128\"> </span>Grundkapitals aus Gesellschaftsmit<span class=\"_ _0\"></span>teln auf 70 Mio. Euro. Im Gesch\u00e4ft<span class=\"_ _0\"></span>sjahr 2006 wurde mit Beschluss d<span class=\"_ _0\"></span>er Hauptversamm-<span class=\"_ _128\"> </span>lung vom 9.5.2006 d<span class=\"_ _0\"></span>as Grundkapital durch Ausgabe von 640.000 St\u00fcck Stammakt<span class=\"_ _0\"></span>ien auf 75.384.615,38 Eur<span class=\"_ _0\"></span>o erh\u00f6ht. Mit<span class=\"_ _128\"> </span>Beschluss der Hauptversammlung vom 14.5.2007 erfolgt<span class=\"_ _0\"></span>e eine Erh\u00f6hung des Gr<span class=\"_ _0\"></span>undkapitals durch Ausgabe von 40.000 St\u00fc<span class=\"_ _0\"></span>ck<span class=\"_ _128\"> </span>Stammaktien auf 75.721.153,84 Eu<span class=\"_ _0\"></span>ro (bedin<span class=\"_ _0\"></span>gte Kapitalerh\u00f6hung). Im Gesch\u00e4ftsjahr 2008 wurde ab<span class=\"_ _0\"></span>ermals eine bedingte Ka-<span class=\"_ _128\"> </span>pitalerh\u00f6hung durch Au<span class=\"_ _0\"></span>sgabe von 30.000 St\u00fcck Stammaktien vorgeno<span class=\"_ _0\"></span>mmen. Dadurch erh\u00f6hte sich das Grund<span class=\"_ _0\"></span>kapital auf<span class=\"_ _128\"> </span>75.973.557,69 Euro. Mit<span class=\"_ _0\"></span> Beschluss vom 27.5.2008 erfolgten ein Akti<span class=\"_ _0\"></span>ensplit im Verh\u00e4ltnis 1:3 u<span class=\"_ _0\"></span>nd eine Kapitalerh\u00f6hung aus<span class=\"_ _128\"> </span>Gesellschaftsmitteln, die das Grun<span class=\"_ _0\"></span>dkapital auf 81.270.000,00 Euro erh\u00f6hte. M<span class=\"_ _0\"></span>it Beschluss des Vorstands vom 30.9.2009<span class=\"_ _128\"> </span>wurde im Oktober 2009 eine Kapit<span class=\"_ _0\"></span>alerh\u00f6hung im Verh\u00e4ltnis 1:16 durchgef\u00fch<span class=\"_ _0\"></span>rt, wodurch <span class=\"_ _0\"></span>sich das Grundkap<span class=\"_ _0\"></span>ital auf<span class=\"_ _128\"> </span>86.349.375,00 Euro erh<span class=\"_ _0\"></span>\u00f6hte.<span class=\"_ _128\"> </span>In der 132. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 8.5.2012 wu<span class=\"_ _0\"></span>rde der Vorstand erm\u00e4chtigt, das <span class=\"_ _1\"></span>Grundkapi-<span class=\"_ _128\"> </span>tal binnen f\u00fcnf Jahren a<span class=\"_ _0\"></span>b Eintragung der entsprechenden Sat<span class=\"_ _0\"></span>zungs\u00e4nderung im Firmenbuch <span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tr<span class=\"_ _0\"></span>an-<span class=\"_ _128\"> </span>chen <span class=\"ff9\">\u2013</span> um bis zu 750.000,00 E<span class=\"_ _0\"></span>uro durch Ausgabe von bis zu 250.000 St\u00fcck neu<span class=\"_ _0\"></span>en, auf Inhaber lauten<span class=\"_ _0\"></span>den Stamm<span class=\"_ _0\"></span>-St\u00fcckakt<span class=\"_ _0\"></span>ien<span class=\"_ _128\"> </span>zu erh\u00f6hen. Diese Kapitalerh<span class=\"_ _0\"></span>\u00f6hung durch Ausgabe von Aktien gegen Ausschluss des Bezugsrechts <span class=\"_ _0\"></span>der Aktion\u00e4rIn<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>en dient<span class=\"_ _128\"> </span>der Ausgabe von Aktien an<span class=\"_ _0\"></span> ArbeitnehmerInnen, leitende Angestellte, die Belegschaftsb<span class=\"_ _0\"></span>eteiligungsprivatstiftung der<span class=\"_ _128\"> </span>Oberbank AG und Mit<span class=\"_ _0\"></span>glieder des Vorstands der Gesellschaft oder eines mit ihr<span class=\"_ _0\"></span> verbundenen Unternehmens. Weiters wurde<span class=\"_ _128\"> </span>der Vorstand in<span class=\"_ _0\"></span> der angef\u00fchrten Hauptversammlung erm\u00e4chtigt, binnen f\u00fcn<span class=\"_ _0\"></span>f Jahren ab Eintragung der entsprechend<span class=\"_ _0\"></span>en Sat-<span class=\"_ _128\"> </span>zungs\u00e4nderung im Firmenbu<span class=\"_ _0\"></span>ch <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tran<span class=\"_ _0\"></span>chen <span class=\"ff9\">\u2013</span> das Grund<span class=\"_ _0\"></span>kapital der Gesellschaft gegen Bareinlagen um<span class=\"_ _128\"> </span>bis zu 9.375.000,00 Eur<span class=\"_ _0\"></span>o durch Ausgabe von bis zu<span class=\"_ _0\"></span> 3.125.000 St\u00fcck auf Inhab<span class=\"_ _0\"></span>er lautenden Stamm-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.<span class=\"_ _128\"> </span>Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 23.5.2015 im Ausma\u00df v<span class=\"_ _0\"></span>on 1.918.875 St\u00fcck Oberban<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>-Stamm-<span class=\"_ _128\"> </span>St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht (Kapitalerh\u00f6hung 2015, Nr<span class=\"_ _0\"></span>. 1). Der Au<span class=\"_ _0\"></span>sgabepreis hat 47,43 Euro je Aktie betr<span class=\"_ _0\"></span>agen. Die durch Bareinlagen und ohn<span class=\"_ _0\"></span>e Ausschluss von Bezugsrechten erfolgte Kapitalerh\u00f6hung erh<span class=\"_ _0\"></span>\u00f6hte das Grundkapital auf 92.106.000,00<span class=\"_ _128\"> </span>Euro und die gebundene Kap<span class=\"_ _0\"></span>italr\u00fccklage auf 280.001.715,06 E<span class=\"_ _0\"></span>uro.<span class=\"_ _128\"> </span>In der 135. Ord<span class=\"_ _0\"></span>entlichen Hauptversammlung der Oberb<span class=\"_ _0\"></span>ank AG am 19.5.2015 wurde die in der 132. Ordent<span class=\"_ _0\"></span>lichen <span class=\"_ _0\"></span> Hauptversammlung am 8.5.2012 erteilte E<span class=\"_ _0\"></span>rm\u00e4chtigung im bis dahin nicht ausgen\u00fctzt<span class=\"_ _0\"></span>en Umfang widerrufen und der Vor-<span class=\"_ _128\"> </span>stand erm\u00e4chtigt, binnen f\u00fcnf Jahren a<span class=\"_ _0\"></span>b Eintragun<span class=\"_ _0\"></span>g der entsprechenden Satzungs\u00e4n<span class=\"_ _0\"></span>derung im Firmenbuch <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> allenfalls in<span class=\"_ _128\"> </span>mehreren Tranchen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> das Grundkapital der Gesellschaft gegen Bar<span class=\"_ _0\"></span>einlagen um bis zu 10.500.000,00 Eu<span class=\"_ _0\"></span>ro durch Ausgabe von<span class=\"_ _128\"> </span>bis zu 3.500.000 St\u00fcck auf In<span class=\"_ _0\"></span>haber lautenden Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.  <span class=\"_ _7\"> </span> Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 8.9.2015 im Ausma\u00df v<span class=\"_ _0\"></span>on 1.535.100 St\u00fcck Oberban<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>-Stamm-<span class=\"_ _128\"> </span>St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht (Kapitalerh\u00f6hung 2015, Nr<span class=\"_ _0\"></span>. 2). Der Ausgabepreis hat 48,03 Euro je Aktie b<span class=\"_ _0\"></span>etragen. Durch<span class=\"_ _128\"> </span>diese Kapitalerh\u00f6hun<span class=\"_ _0\"></span>g erh\u00f6hte sich das Grundkapital au<span class=\"_ _0\"></span>f 96.711.300,00 Euro und die gebund<span class=\"_ _0\"></span>ene Kapitalr\u00fccklage auf<span class=\"_ _128\"> </span>349.127.268,06 Euro.<span class=\"_ _128\"> </span>In der 136. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 18.5.2016 wu<span class=\"_ _0\"></span>rde die in der 135. Ordentlichen <span class=\"_ _1\"></span> Hauptversammlung am 19.5.2015 er<span class=\"_ _0\"></span>teilte Erm\u00e4chtigung zu<span class=\"_ _0\"></span>r Erh\u00f6hung des Grundkapit<span class=\"_ _0\"></span>als im bis dahin nicht ausgen\u00fctzten <span class=\"_ _0\"></span> Umfang widerrufen und d<span class=\"_ _0\"></span>er Vorstand gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren<span class=\"_ _0\"></span> ab Eintragung der entsprechenden Sat-<span class=\"_ _128\"> </span>zungs\u00e4nderung im Firmenbu<span class=\"_ _0\"></span>ch <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tran<span class=\"_ _0\"></span>chen <span class=\"ff9\">\u2013</span> das Grund<span class=\"_ _0\"></span>kapital der Gesellschaft gegen Bareinlagen um<span class=\"_ _128\"> </span>bis zu 10.500.000,00 Eur<span class=\"_ _0\"></span>o durch Ausgabe von bis zu 3.500.000 St\u00fcck au<span class=\"_ _0\"></span>f Inhaber lautenden Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.<span class=\"_ _128\"> </span>Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 26.9.2016 im Aus<span class=\"_ _0\"></span>ma\u00df v<span class=\"_ _0\"></span>on 3.070.200 St\u00fcck Oberb<span class=\"_ _0\"></span>ank-Stamm-<span class=\"_ _128\"> </span>St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht. Der Ausgabepreis hat 53,94 Euro je Akt<span class=\"_ _0\"></span>ie betragen. Durch diese durch Bareinlagen und ohne<span class=\"_ _128\"> </span>Ausschluss von Bezugsrechten<span class=\"_ _0\"></span> erfolgte Kapitalerh\u00f6hung erh\u00f6hten sich das<span class=\"_ _0\"></span> Grundkapital um 9.210.600<span class=\"_ _0\"></span>,00 Euro<span class=\"_ _0\"></span> auf<span class=\"_ _128\"> </span>105.921.900,00 Euro und d<span class=\"_ _0\"></span>ie gebundene Kapitalr\u00fccklage um 156.395.988,00 Euro<span class=\"_ _0\"></span> auf 505.523.256,06 Euro<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> In der 137. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 16.5.2017 wu<span class=\"_ _0\"></span>rde die in der 136. Ordentlichen <span class=\"_ _1\"></span>Hauptver-<span class=\"_ _128\"> </span>sammlung am 18.5.2016 erteilt<span class=\"_ _0\"></span>e Erm\u00e4chtigun<span class=\"_ _0\"></span>g zur Erh\u00f6hung des Grund<span class=\"_ _0\"></span>kapitals im bis dahin nicht ausgen\u00fctzten Umfang<span class=\"_ _128\"> </span>widerrufen und der Vorstand<span class=\"_ _0\"></span> gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren ab Eintragung d<span class=\"_ _0\"></span>er entsprechenden Satzungs\u00e4nde-<span class=\"_ _128\"> </span>rung im Firmenbuch <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> allenfalls in mehreren Tranchen<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> das Grundkapital d<span class=\"_ _0\"></span>er Gesellschaft gegen Bareinlagen um bis zu<span class=\"_ _128\"> </span>10.500.000,00 Euro durch A<span class=\"_ _0\"></span>usgabe von bis zu 3.500.000 St\u00fcck au<span class=\"_ _0\"></span>f Inhaber lautende Stamm<span class=\"_ _0\"></span>-St\u00fc<span class=\"_ _0\"></span>ckaktien zu erh\u00f6hen.  Wei-<span class=\"_ _128\"> </span>ters wurde die in der 132. Orden<span class=\"_ _0\"></span>tlichen Hauptversammlung am 8.5.2012 erteilt<span class=\"_ _0\"></span>e Erm\u00e4ch<span class=\"_ _0\"></span>tigung zur Erh\u00f6hu<span class=\"_ _0\"></span>ng des Grundkapi-<span class=\"_ _128\"> </span>tals widerrufen und der Vor<span class=\"_ _0\"></span>stand gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren<span class=\"_ _0\"></span> ab Eintragung der entsprechenden Satzun<span class=\"_ _0\"></span>gs\u00e4n-<span class=\"_ _128\"> </span>derung im Firmenbuch<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tranchen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> das Grundkapital um bis zu<span class=\"_ _0\"></span> 750.000,00 Euro durch Ausgabe von<span class=\"_ _0\"></span> bis zu 250.000 St\u00fcck neuen,<span class=\"_ _0\"></span> auf Inhaber lautende Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen. Die Kapitalerh\u00f6hung durch Ausgab<span class=\"_ _0\"></span>e von<span class=\"_ _128\"> </span>Aktien gegen Ausschluss d<span class=\"_ _0\"></span>es Bezugsrechts der Aktion\u00e4rInnen dient der Ausgabe v<span class=\"_ _0\"></span>on Aktien an ArbeitnehmerInnen, leiten<span class=\"_ _1\"></span>de<span class=\"_ _128\"> </span>Angestellte, die Belegschaftsbeteiligungsp<span class=\"_ _0\"></span>rivatstiftung der Oberbank AG und M<span class=\"_ _0\"></span>itglieder des Vorstands der Gesellschaft oder<span class=\"_ _128\"> </span>eines mit ihr verbunden<span class=\"_ _0\"></span>en Unternehmens. Von diesen Erm\u00e4chtigungen wurde bis dato kein <span class=\"_ _1\"></span>Gebrauch gemacht.<span class=\"_ _128\"> </span>Das Grundkapital ist ein<span class=\"_ _0\"></span>geteilt in 35.307.300 auf den Inh<span class=\"_ _0\"></span>aber lautende Stamm-St<span class=\"_ _0\"></span>\u00fcckaktien. In der am 9.6.2020 statt<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>gefundenen Versammlung d<span class=\"_ _0\"></span>er Vorzugsaktion\u00e4re der Oberbank AG wurd<span class=\"_ _0\"></span>e mit Sonderbeschluss gem. \u00a7 129 Abs. 3 AktG dem<span class=\"_ _128\"> </span>Hauptversammlungsbeschluss vom 20.5.2020 zugestimmt,<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>er die Umwandlung s\u00e4mt<span class=\"_ _0\"></span>licher bestehender Vorzugsaktien in<span class=\"_ _128\"> </span>Stammaktien der Oberb<span class=\"_ _0\"></span>ank AG durch Aufhebung des Vorzugs gem\u00e4\u00df \u00a7 129 Abs. <span class=\"_ _0\"></span>1 AktG und die diesbez\u00fcgliche \u00c4nderun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>der Satzung in \u00a7 4 zu<span class=\"_ _0\"></span>m Gegenstand hatte. Die Umwandlung der Vorzugsaktien in St<span class=\"_ _0\"></span>ammak<span class=\"_ _0\"></span>tien wurde mit Eintr<span class=\"_ _0\"></span>agung der beschlossenen Satzun<span class=\"_ _0\"></span>gs\u00e4nderung der Oberbank AG im Firmenbu<span class=\"_ _0\"></span>ch am 7.11.2020 wirksam.<span class=\"_ _0\"></span> Die Anzahl der direkt oder \u00fcb<span class=\"_ _0\"></span>er assoziierte Unternehmen gehaltenen eigenen Ant<span class=\"_ _0\"></span>eile betr\u00e4gt zum Stichtag 11.723.202<span class=\"_ _128\"> </span>St\u00fcck. In der Kapitalr\u00fccklage ist d<span class=\"_ _0\"></span>er Mehrerl\u00f6s (Agio), der bei der Ausgabe eigener Aktien erzielt w<span class=\"_ _0\"></span>ird, enthalten. Die Ge-<span class=\"_ _128\"> </span>winnr\u00fccklagen nehmen die t<span class=\"_ _0\"></span>hesaurierten Gewinne des Konzerns sowie s\u00e4mt<span class=\"_ _0\"></span>liche erfolgswirksamen Konsolidierungsma\u00dfnah-<span class=\"_ _128\"> </span>men auf. Die Bewertun<span class=\"_ _0\"></span>gsr\u00fccklagen nehmen die Bew<span class=\"_ _0\"></span>ertungs\u00e4nderungen aus den Schu<span class=\"_ _0\"></span>ldtiteln mit Reklassifizierung, Eigenka-<span class=\"_ _128\"> </span>pitalinstrumenten ohne Reklassifizierung un<span class=\"_ _0\"></span>d dem eigenen Kreditrisiko auf. Die R\u00fc<span class=\"_ _0\"></span>cklagen aus assoziierten Unternehmen<span class=\"_ _128\"> </span>stellen den Unterschiedsbetr<span class=\"_ _0\"></span>ag zwischen den historischen An<span class=\"_ _0\"></span>schaffungsko<span class=\"_ _0\"></span>sten und den Equity<span class=\"_ _0\"></span>-Buchwerten der assoziierten<span class=\"_ _128\"> </span>Unternehmen dar.<span class=\"_ _128\"> </span>Zus\u00e4tzliche Eigenkapitalbestandteile<span class=\"_ _0\"></span> Die Oberbank AG hat bisher zwei Emissionen<span class=\"_ _0\"></span> von Additional Tier 1 Anleihen mit einem Gesam<span class=\"_ _0\"></span>tvolumen von 50 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span>begeben. Diese Emissionen sind <span class=\"_ _0\"></span>nachrangig zu T<span class=\"_ _0\"></span>ier 2 Instrumenten (Erg\u00e4nzungskapital, Na<span class=\"_ _0\"></span>chrangkapital) und Senior<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>Anleihen. Sie sind untereinand<span class=\"_ _0\"></span>er sowie mit anderen Additional Tier 1 Instrumenten<span class=\"_ _0\"></span> sowie mit Verbindlichkeiten aus <span class=\"_ _1\"></span> bestehenden Hybridkap<span class=\"_ _0\"></span>italinstrumenten gleichrangig.  <span class=\"_ _7\"> </span> Vorrangig sind sie zu Akt<span class=\"_ _0\"></span>ien und anderen harten Kernkapitalinstru<span class=\"_ _0\"></span>menten. Die Zinszahlungen bemessen sich am Nominalb<span class=\"_ _0\"></span>e-<span class=\"_ _128\"> </span>trag und sind bis zu<span class=\"_ _0\"></span>m erstm\u00f6glichen vorzeitigen R\u00fcckzahlungstag fix. Anschlie\u00dfend erfo<span class=\"_ _0\"></span>lgt eine Umstellung auf var<span class=\"_ _0\"></span>iable<span class=\"_ _128\"> </span>Zinss\u00e4tze. Zinsen d\u00fcrfen<span class=\"_ _0\"></span> nur aus aussch\u00fc<span class=\"_ _0\"></span>ttungsf\u00e4higen Posten gezahlt werden. Die Emittentin<span class=\"_ _0\"></span> hat das Recht, Zinszahlungen<span class=\"_ _128\"> </span>nach eigenem Ermessen entfallen zu<span class=\"_ _0\"></span> lassen. Eine Nachzahlun<span class=\"_ _0\"></span>g ausgefallener Zinsen darf nicht erfolgen.<span class=\"_ _1\"></span> Die Anleihen haben eine unb<span class=\"_ _0\"></span>egrenzte Laufzeit, k\u00f6nnen jedo<span class=\"_ _0\"></span>ch von d<span class=\"_ _0\"></span>er Oberbank AG zum fixierten ersten vorzeitigen R\u00fcckzahlungstag gek\u00fcndigt w<span class=\"_ _0\"></span>erden und danach alle f\u00fcnf Jahr<span class=\"_ _0\"></span>e jeweils zum Kupontermin. Besondere K\u00fcndigun<span class=\"_ _0\"></span>gsrechte hat<span class=\"_ _128\"> </span>die Emittentin, falls sich die au<span class=\"_ _0\"></span>fsichtsrechtliche Einstufung oder die steuerliche <span class=\"_ _0\"></span>Behan<span class=\"_ _0\"></span>dlung der betreffenden Anleihe \u00e4ndert.<span class=\"_ _128\"> </span>Jede vorzeitige K\u00fcndigung erfordert<span class=\"_ _0\"></span> jedoch die vorherige Zustimmung der zust\u00e4ndigen Au<span class=\"_ _0\"></span>fsichtsbeh\u00f6rde. Eine K\u00fcndigung<span class=\"_ _128\"> </span>durch die Anleihegl\u00e4ubigerInnen ist au<span class=\"_ _0\"></span>sgeschlossen. Bei Unterschreiten der harten Kernkapitalqu<span class=\"_ _1\"></span>ote der Emittentin oder der<span class=\"_ _128\"> </span>Oberbank Gruppe von<span class=\"_ _0\"></span> 5,125 % wird das Nominale der Anleihe im erforderlichen Ausma\u00df<span class=\"_ _0\"></span> abgeschrieben. Unter bestimmten<span class=\"_ _128\"> </span>gesetzlichen Bestimmungen kann<span class=\"_ _0\"></span> das Nominale wieder zugeschrieben werden.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-478": {
   "value": "Risikovorsorgen<span class=\"_ _128\"> </span>Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch die Struktur der Qualit<span class=\"_ _0\"></span>\u00e4t des Kreditportfo<span class=\"_ _0\"></span>lios bestimmt. Dar\u00fcber hinaus ist es f\u00fcr die Ermittlung des Wert<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>minderungsaufwands erforderlich, H\u00f6h<span class=\"_ _0\"></span>e und Zeitpunkt zu<span class=\"_ _0\"></span>k\u00fcnftige<span class=\"_ _5\"></span>r Zahlungsstr\u00f6me zu sch\u00e4t<span class=\"_ _0\"></span>zen. N\u00e4here Details sind<span class=\"_ _128\"> </span>unter 2.8) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e und Verpflichtungen sowie S<span class=\"_ _0\"></span>icherungsbeziehungen s<span class=\"_ _0\"></span>owie im Risikobericht in <span class=\"_ _0\"></span> Note 43 ff (Kreditrisiko) enthalten.<span class=\"_ _0\"></span> Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span>Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span>aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span>steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span>Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> 2.8) Finanzielle Verm\u00f6gen<span class=\"_ _0\"></span>swerte und Verpflichtungen sowie Sicherun<span class=\"_ _0\"></span>gsbeziehungen<span class=\"_ _0\"></span> Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt einen E<span class=\"_ _0\"></span>instufungs- und Bewertun<span class=\"_ _0\"></span>gsansatz f\u00fcr finanzielle Verm\u00f6genswerte, welcher d<span class=\"_ _0\"></span>as Gesch\u00e4ft<span class=\"_ _0\"></span>smodell, in<span class=\"_ _128\"> </span>dessen Rahmen Verm\u00f6gensw<span class=\"_ _0\"></span>erte gehalten werden, sowie die Eigenschaften ihrer Cas<span class=\"_ _0\"></span>hflows (Zahlungsstrombedingung) <span class=\"_ _0\"></span> widerspiegelt.<span class=\"_ _128\"> </span>Gesch\u00e4ftsmodell<span class=\"_ _128\"> </span>Es werden die Klassen von<span class=\"_ _0\"></span> finanziellen Verm\u00f6genswerten in Hinsicht a<span class=\"_ _0\"></span>uf die <span class=\"_ _0\"></span>Gesch\u00e4ftsstrat<span class=\"_ _0\"></span>egie sowie m\u00f6glicher Verkaufs-<span class=\"_ _128\"> </span>absichten analys<span class=\"_ _0\"></span>iert und daraus die Gesch\u00e4ftsmodelle abgeleitet. Im Wertpap<span class=\"_ _0\"></span>ierportfolio liegt eine Behalteabsicht vor und<span class=\"_ _128\"> </span>somit wird dieses Port<span class=\"_ _0\"></span>folio dem Gesch\u00e4ftsmodell Hold To Collect zugewiesen. Wertp<span class=\"_ _0\"></span>apiere, <span class=\"_ _0\"></span>die erfolgsneutral zum b<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>zulegenden Zeitwert bew<span class=\"_ _0\"></span>ertet werden,<span class=\"fc3\"> </span>werden d<span class=\"_ _0\"></span>em Gesch\u00e4ftsmodell Hold and Sell zugewiesen. Wertp<span class=\"_ _0\"></span>apiere des Handels-<span class=\"_ _128\"> </span>buchs wurden dem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell Sell zugewiesen. Das Kreditgesch\u00e4ft h<span class=\"_ _0\"></span>ingegen wird<span class=\"_ _0\"></span><span class=\"fc3\"> </span>zur G\u00e4nze der Kategor<span class=\"_ _0\"></span>ie Hold To<span class=\"_ _128\"> </span>Collect zugewiesen. Die klare Halt<span class=\"_ _0\"></span>eabsicht l\u00e4sst sich aus d<span class=\"_ _0\"></span>er Unternehmensstrategie der Oberbank AG ableiten. Die in der <span class=\"_ _1\"></span> Vergangenheit get\u00e4tigten Abg\u00e4n<span class=\"_ _0\"></span>ge bewegen sich in einem nicht sign<span class=\"_ _0\"></span>ifikanten Bereich.<span class=\"_ _0\"></span> Zahlungsstrombedingung<span class=\"_ _128\"> </span>In der Analyse der Zah<span class=\"_ _0\"></span>lungsstrombedingung (SPPI<span class=\"_ _0\"></span>-Kriterien) werden Vertrags- u<span class=\"_ _0\"></span>nd Zinsklauseln u<span class=\"_ _0\"></span>ntersucht, deren Bedingungen zu festgelegten Zahlun<span class=\"_ _0\"></span>gen f\u00fchren, die ausschlie\u00dflich Tilgungen un<span class=\"_ _0\"></span>d Zinsen auf den ausstehenden Kapit<span class=\"_ _0\"></span>albetrag <span class=\"_ _0\"></span> darstellen. Es werden<span class=\"_ _0\"></span> dabei vor allem Kredite mit SPPI-sch\u00e4dlichen Zin<span class=\"_ _0\"></span>sklauseln identifiziert, d<span class=\"_ _0\"></span>ie mit inkongruenten Zinskomponenten<span class=\"_ _128\"> </span>ausgestattet sind bzw. M<span class=\"_ _0\"></span>ischzinss\u00e4tze darstellen. Allerdings wird in der Cashflowanalyse kein signifikan<span class=\"_ _0\"></span>ter Unterschied zu<span class=\"_ _128\"> </span>Standardkreditvertr\u00e4g<span class=\"_ _0\"></span>en festgestellt, womit diese Kredite auch in Zukunft<span class=\"_ _0\"></span> zu fortgef\u00fchrten Anschaffungskosten bewert<span class=\"_ _0\"></span>et <span class=\"_ _0\"></span> werden. Somit enth\u00e4lt<span class=\"_ _0\"></span> der \u00fcberwiegende Anteil des Kreditportfolios keine SPPI<span class=\"_ _0\"></span>-sch\u00e4dlichen Vert<span class=\"_ _0\"></span>ragsbestandteile. <span class=\"_ _7\"> </span>Die Durchf\u00fchrung eines Cashflow<span class=\"_ _0\"></span>tests h\u00e4ngt in<span class=\"_ _0\"></span> erster Linie von der Zinskondition d<span class=\"_ _0\"></span>er Gesch\u00e4fte ab. Liegt eine SPPI-<span class=\"_ _0\"></span> sch\u00e4dliche Zinsklausel vor,<span class=\"_ _0\"></span> wird ein quantitativer Benchmarktest durchgef\u00fchrt. D<span class=\"_ _0\"></span>as Ergebnis des quantitativen Benchmark-<span class=\"_ _128\"> </span>tests f\u00fchrt zur finalen E<span class=\"_ _0\"></span>instufung des Verm\u00f6genswerts. Bei Nicht<span class=\"_ _0\"></span>-Bestehen d<span class=\"_ _0\"></span>es Benchmarktests wird der Verm\u00f6genswert<span class=\"_ _128\"> </span>erfolgswirksam zum beizulegenden<span class=\"_ _0\"></span> Zeitwert bewertet.<span class=\"_ _0\"></span> Im Rahmen des qu<span class=\"_ _0\"></span>antitativen Benchmarktests wird dabei auf Grundlage des Verm\u00f6gensw<span class=\"_ _0\"></span>erts mit SPPI<span class=\"_ _0\"></span>-sch\u00e4dlicher Zin<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>kondition ein Benchmarkpro<span class=\"_ _0\"></span>dukt erzeugt, d<span class=\"_ _0\"></span>essen Zinslaufzeit mit der Zinsperiode \u00fcb<span class=\"_ _0\"></span>ereinstimmt. Dabei werden die <span class=\"_ _0\"></span> undiskontierten Cashflo<span class=\"_ _0\"></span>ws beider Produkte in unterschiedlichen Zinsszenar<span class=\"_ _0\"></span>ien sowohl kumulativ als auch periodisch <span class=\"_ _1\"></span> miteinander verglichen, um festzustellen, ob d<span class=\"_ _0\"></span>ie Abweichungen einen<span class=\"_ _0\"></span> kritischen Schwellenwert<span class=\"_ _0\"></span> \u00fcbersteigen.<span class=\"_ _128\"> </span>Davon ausgenommen sind<span class=\"_ _0\"></span> SPPI-sch\u00e4dliche Zinskond<span class=\"_ _0\"></span>itionen, die aufgrund von F\u00f6rd<span class=\"_ _0\"></span>errichtlinien gesetzlich vorgeschrieben<span class=\"_ _128\"> </span>sind. F\u00fcr Gesch\u00e4fte, f\u00fcr die hinreichend<span class=\"_ _0\"></span> sicher davon ausgegangen werden kann, das<span class=\"_ _0\"></span>s die Modifikati<span class=\"_ _0\"></span><span class=\"ff9\">on der Ko<span class=\"_ _0\"></span>mponente \u201eZeitwert<span class=\"_ _128\"> </span></span>des Geldes\u201c lediglich von unt<span class=\"_ _0\"></span>ergeordneter Bedeutung sein kann, kommt in Erg\u00e4n<span class=\"_ _0\"></span>zung vereinfachend ein qualitativer <span class=\"_ _0\"></span><span class=\"ff4\"> </span>Benchmarktest zur Anw<span class=\"_ _0\"></span>endung. Dies ist in erster Linie bei folgenden Sach<span class=\"_ _0\"></span>verhalten der Fall:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Gesch\u00e4ft hat keine b<span class=\"_ _0\"></span>estimmte Kapitalbindun<span class=\"_ _0\"></span>g;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Fixing findet einige wenige Tage vo<span class=\"_ _0\"></span>r Beginn der Zinsperiode statt.<span class=\"_ _0\"></span> </span></span>Bewertungskategorien<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt drei wichtige Einstu<span class=\"_ _0\"></span>fungskategorien f\u00fcr finanzielle Verm\u00f6genswerte: zu for<span class=\"_ _0\"></span>tgef\u00fchrten Anschaffungskosten <span class=\"_ _1\"></span> bewertet (AC), zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust bewertet (FV/<span class=\"_ _0\"></span>PL) sowie zum beizulegenden Zeitwert mit<span class=\"_ _128\"> </span>Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis bewertet (FV/OCI). Werden fin<span class=\"_ _0\"></span>anzielle Verm\u00f6genswerte in einem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell<span class=\"_ _128\"> </span>gehalten, dessen Zielsetzung d<span class=\"_ _0\"></span>as Behalten der V<span class=\"_ _0\"></span>erm\u00f6genswerte ist, und repr\u00e4sentieren diese finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>den Anspruch auf Zins<span class=\"_ _0\"></span>- und Tilgungszahlun<span class=\"_ _0\"></span>gen zu vorgegebenen Terminen (SPPI<span class=\"_ _0\"></span>-Kriterien), so sind diese mit den<span class=\"_ _0\"></span> fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten zu bewerten. Unter bestimmten V<span class=\"_ _0\"></span>oraussetzungen ist eine Designat<span class=\"_ _0\"></span>ion zur Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Bewertung m\u00f6glich.  <span class=\"_ _0\"></span>Dies ist in der Oberbank dann d<span class=\"_ _0\"></span>er Fall, wenn eine Absicherung von Grundgesch\u00e4ften mit Deriva<span class=\"_ _0\"></span>ten <span class=\"_ _0\"></span> besteht, da es ansonst<span class=\"_ _0\"></span>en zu Bewertungsinkongruenzen der beiden Finan<span class=\"_ _0\"></span>zinstrumente in der <span class=\"_ _0\"></span>Bilanzierung ko<span class=\"_ _0\"></span>mmt.<span class=\"_ _128\"> </span>S\u00e4mtliche anderen finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e sind zum Fair Value zu bewert<span class=\"_ _0\"></span>en. Wert\u00e4nderungen dieser Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>sind in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung oder im son<span class=\"_ _0\"></span>stigen Ergebnis (abh\u00e4ngig vom Gesch\u00e4ftsmodell) zu erfassen. F\u00fc<span class=\"_ _0\"></span>r <span class=\"_ _0\"></span> bestimmte Eigenkapitalin<span class=\"_ _0\"></span>strumente kann vom Wahlrecht, die Bewertun<span class=\"_ _0\"></span>gs\u00e4nderungen im sonstigen Ergebnis zu<span class=\"_ _0\"></span> erfassen,<span class=\"_ _128\"> </span>Gebrauch gemacht werd<span class=\"_ _0\"></span>en. Lediglich Dividendenanspr\u00fcche derart<span class=\"_ _0\"></span>iger Verm\u00f6genswerte sind in der Gewinn<span class=\"_ _1\"></span>- und Verlust-<span class=\"_ _128\"> </span>rechnung darzust<span class=\"_ _0\"></span>ellen. Nach IFRS 9 werden Derivate, die in Vert<span class=\"_ _0\"></span>r\u00e4ge eingebettet sind, bei denen die Basis ein finanzieller<span class=\"_ _128\"> </span>Verm\u00f6genswert im Anwend<span class=\"_ _0\"></span>ungsbereich des Standards ist, niemals getrennt b<span class=\"_ _0\"></span>ilanziert. Stattdessen wird das hybride <span class=\"_ _1\"></span> Finanzinstrument insgesamt im Hinblick auf d<span class=\"_ _0\"></span>ie Eins<span class=\"_ _0\"></span>tufung beurteilt.<span class=\"_ _128\"> </span>Fremdkapitalinstrument<span class=\"_ _0\"></span>e werden \u00fcberwiegend mit den fortgef\u00fchrten Ansch<span class=\"_ _0\"></span>affungskosten bewertet. Die Kredite und <span class=\"_ _1\"></span> Forderungen werden gr\u00f6\u00dft<span class=\"_ _0\"></span>enteils zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _0\"></span> bewertet, da die SPPI<span class=\"_ _0\"></span>-Kriterien,<span class=\"_ _0\"></span> die f\u00fcr eine solche<span class=\"_ _128\"> </span>Bewertung vorausgesetzt werden, vo<span class=\"_ _0\"></span>n diesen Finanzinstrumenten erf\u00fcllt w<span class=\"_ _0\"></span>erden. Die Bewertung von <span class=\"_ _0\"></span> Eigenkapitalinstrument<span class=\"_ _0\"></span>en erfolgt vorwiegend zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis bewertet (FV/OCI).<span class=\"_ _0\"></span> Wertminderung <span class=\"ffb\">\u2013</span> Finanzielle V<span class=\"_ _0\"></span>erm\u00f6genswerte und vertragliche Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _0\"></span> IFRS 9 basiert auf einem zukun<span class=\"_ _0\"></span>ftsorientierten Modell der \u201eerwarteten Kr<span class=\"_ _0\"></span>editausf\u00e4lle\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> Dies erfordert erhebliche Ermessens-<span class=\"_ _128\"> </span></span>entscheidungen b<span class=\"_ _0\"></span>ez\u00fcglich der Frage, inwieweit die erwarteten Kreditausf\u00e4lle durch Ver\u00e4nderungen d<span class=\"_ _0\"></span>er wirtschaftlichen Fak-<span class=\"_ _128\"> </span>toren beeinflusst werden. D<span class=\"_ _0\"></span>iese Einsch\u00e4tzung wird auf Grundlage gewichteter <span class=\"_ _0\"></span>Wahrscheinlich<span class=\"_ _0\"></span>keiten bestimmt. <span class=\"_ _0\"></span>Das Wert-<span class=\"_ _128\"> </span>minderungsmod<span class=\"_ _0\"></span>ell nach IFRS 9 ist auf finanzielle Verm\u00f6genswerte anzuwenden<span class=\"_ _0\"></span>, die zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _128\"> </span>oder zu FV/OCI bew<span class=\"_ _0\"></span>ertet werden sowie auf vertragliche Verm\u00f6genswert<span class=\"_ _0\"></span>e und au\u00dferbilanzielle Instrument<span class=\"_ _0\"></span>e, wie \u00fcbernom-<span class=\"_ _128\"> </span>mene Haftungen un<span class=\"_ _0\"></span>d unwiderrufliche Kreditzusagen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Diese werden je nach \u00c4nderu<span class=\"_ _0\"></span>ng des Kreditrisikos zwischen jenem im Zeitpun<span class=\"_ _0\"></span>kt der <span class=\"_ _0\"></span>erstmaligen Erfassung und<span class=\"_ _0\"></span> dem jeweils<span class=\"_ _128\"> </span>aktuellen Kreditrisiko zum Bewertu<span class=\"_ _0\"></span>ngsstichtag, entweder in Stufe 1, Stu<span class=\"_ _0\"></span>fe 2, oder Stufe 3 <span class=\"_ _0\"></span>zugeteilt:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 1 enth\u00e4lt<span class=\"_ _0\"></span> grunds\u00e4tzlich neu zugegangenen Finanzinstrumente so<span class=\"_ _0\"></span>wie jene, f\u00fcr die kein signifikanter Risikoan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span></span>stieg seit dem erstmaligen Ansatz festgestellt w<span class=\"_ _0\"></span>urde. Weiters werden alle Finanzinst<span class=\"_ _0\"></span>rumente, die zum Bilanzie-<span class=\"_ _128\"> </span>rungsstichtag ein abso<span class=\"_ _0\"></span>lut definiertes geringes Kreditrisiko (Ratingklassen AA b<span class=\"_ _0\"></span>is 1b) aufweisen, als Ausnahme vom<span class=\"_ _128\"> </span>relativen Ansatz immer der Stu<span class=\"_ _0\"></span>fe 1 zugeordnet (IFRS 9.5.5.10). Diese Logik wird nu<span class=\"_ _0\"></span>r auf das Low<span class=\"_ _0\"></span>-Default-Portfolio<span class=\"_ _128\"> </span>f\u00fcr die Segmente Staaten und Banken a<span class=\"_ _0\"></span>ngewandt. Die Low<span class=\"_ _0\"></span> Credit Risk Exempt<span class=\"_ _0\"></span>ion trifft somit auf ein Portfolio zu,<span class=\"_ _128\"> </span>das man gemeinhin als \u201eIn<span class=\"_ _0\"></span>vestment Grade\u201c bezeichnen w\u00fcrde (mittlere PD d<span class=\"_ _0\"></span>er Ratingklasse entspricht S&amp;P<span class=\"_ _1\"></span><span class=\"ff4\">-\u00e4quiva-<span class=\"_ _128\"> </span></span>lenten Ratings bis BBB-<span class=\"lsb\">).</span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 2 enth\u00e4lt<span class=\"_ _0\"></span> Instrumente, f\u00fcr die eine signifikante Erh\u00f6<span class=\"_ _0\"></span>hung des Kreditrisikos s<span class=\"_ _0\"></span>eit dem erstmaligen Ansatz statt-<span class=\"_ _128\"> </span></span></span>gefunden hat. Bei Leasingkontrakten w<span class=\"_ _0\"></span>ird ein IFRS 9 Wahlrecht ausge\u00fcbt und diese Gesch\u00e4fte werd<span class=\"_ _0\"></span>en daher immer Stufe 2 zuge-<span class=\"_ _128\"> </span>ordnet.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 3 wird dem Non-Perfo<span class=\"_ _0\"></span>rming Portfolio zugeordnet. B<span class=\"_ _0\"></span>efindet sich ein Kreditnehmer im Ausfall (intern<span class=\"_ _0\"></span>e Rating-<span class=\"_ _128\"> </span></span></span>stufen 5a, 5b oder 5c), w<span class=\"_ _0\"></span>ird der Kredit Stufe 3 zugewiesen. Die Oberbank AG wendet<span class=\"_ _0\"></span> f\u00fcr alle Forderungsklassen<span class=\"_ _128\"> </span>und Risikomodelle einheitlich und<span class=\"_ _0\"></span> konsistent die Ausfallsdefinition gem\u00e4\u00df Artikel 178 der Vero<span class=\"_ _0\"></span>rdnung (E<span class=\"_ _0\"></span>U) Nr<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>575/2013 (CRR) an. Diese basiert a<span class=\"_ _0\"></span>uf dem 90-Tage-Verzug bzw. einer w<span class=\"_ _0\"></span>ahrscheinlichen Uneinbringlichkeit einer<span class=\"_ _128\"> </span>Forderung.<span class=\"_ _128\"> </span>Die Ausnahme von d<span class=\"_ _0\"></span>em Dreistufenansatz sind Verm\u00f6genswerte, die bereits bei Zugan<span class=\"_ _0\"></span>g wertgemindert sind (sogenannte<span class=\"_ _128\"> </span>\u201ePOCI\u201c <span class=\"ff4\">- Assets). Diese bilden g<span class=\"_ _0\"></span>em\u00e4\u00df IFRS 9 Vorgaben eine eigene Kat<span class=\"_ _0\"></span>egorie.<span class=\"_ _128\"> </span></span>Segmentierung<span class=\"_ _128\"> </span>Das Kreditportfolio der Ob<span class=\"_ _0\"></span>erbank wird im Wertberichtigungsmodell nach IFRS 9 in die folgenden<span class=\"_ _0\"></span> f\u00fcnf Segmente untert<span class=\"_ _0\"></span>eilt:<span class=\"_ _128\"> </span>Sovereign, Banken, Corpor<span class=\"_ _0\"></span>ates, SME sowie Retail. Der Hintergrund der Segmentierung liegt in der Zu<span class=\"_ _0\"></span>grundelegung unter-<span class=\"_ _128\"> </span>schiedlicher Sch\u00e4tzungen d<span class=\"_ _0\"></span>er relevanten Kreditrisikop<span class=\"_ _0\"></span>arameter. Die Unterteilung in die einzelnen Segmente find<span class=\"_ _0\"></span>et dabei auf<span class=\"_ _128\"> </span>Basis der gew\u00e4hlten R<span class=\"_ _0\"></span>atingverfahren statt. Das Gesamteinstufungskon<span class=\"_ _0\"></span>zept der Oberbank basiert auf qualitativen, quant<span class=\"_ _0\"></span>itativen und Backstop<span class=\"_ _1\"></span>-Kriterien.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 1 und 2 <span class=\"_ _0\"></span> Nach IFRS 9 werden Wertberichtigungen a<span class=\"_ _0\"></span>uf einer der nachstehenden Grundlagen b<span class=\"_ _0\"></span>ewertet:<span class=\"_ _0\"></span> 12<span class=\"ls0\">-Monats<span class=\"_ _0\"></span>-Kreditausf\u00e4lle: Die Bildung der Risikovorsorge erfolgt in H\u00f6h<span class=\"_ _0\"></span>e des 12<span class=\"_ _0\"></span>-Monats-Kreditverlusts und die Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span></span>des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobuchwerts unter Anwendung d<span class=\"_ _0\"></span>er Effektivzinssatzmethode (f\u00fcr Stu<span class=\"_ _0\"></span>fe 1 Instru-<span class=\"_ _128\"> </span>mente)<span class=\"_ _128\"> </span>Ausfallbetrachtun<span class=\"_ _0\"></span>g \u00fcber die Gesamtlaufzeit des Kredits: Hierbei handelt es sich um erw<span class=\"_ _0\"></span>artete Kreditausf\u00e4lle aufgrund aller<span class=\"_ _128\"> </span>m\u00f6glichen Ausfallereignisse w\u00e4<span class=\"_ _0\"></span>hrend der erwarteten Laufzeit eines Finanzinst<span class=\"_ _0\"></span>ruments. Die Bildung d<span class=\"_ _0\"></span>er Risikovorsorge er-<span class=\"_ _128\"> </span>folgt in H\u00f6he der erwart<span class=\"_ _0\"></span>eten Verluste bezogen auf die Restlaufzeit des Finanzinstru<span class=\"_ _0\"></span>ments (Life<span class=\"_ _0\"></span>-time-ECL) und die Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobu<span class=\"_ _0\"></span>chwerts unter Anwendung der Effektivzin<span class=\"_ _0\"></span>smethode (f\u00fcr Instrumente der<span class=\"_ _128\"> </span>Stufe 2)<span class=\"_ _128\"> </span>Quantitative Kriterien f\u00fcr einen Stufent<span class=\"_ _0\"></span>ransfer<span class=\"_ _128\"> </span>Die Beurteilung der signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung des Kreditrisikos stellt eine zentrale Stellschraube des 3<span class=\"_ _1\"></span>-Stufen-Modells in d<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Wertminderungsvorschrift<span class=\"_ _0\"></span>en des IFRS 9 dar, da bei einer signifikanten Erh<span class=\"_ _0\"></span>\u00f6hung des Kreditrisikos die Wertminderung \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>die Gesamtlaufzeit des Finanzinst<span class=\"_ _0\"></span>ruments (Lifetime ECL) zu erfassen ist<span class=\"_ _0\"></span>. Das wesentliche Merkmal f\u00fcr<span class=\"_ _0\"></span> die Bestimmung des Kreditri<span class=\"_ _0\"></span>sikos eines Finanzinstru<span class=\"_ _0\"></span>ments ist dabei das interne Rating des<span class=\"_ _128\"> </span>Schuldners. Bei der Er<span class=\"_ _0\"></span>stellung des Ratings werden f\u00fcr das Corporate Portfolio auch E<span class=\"_ _0\"></span>SG<span class=\"_ _0\"></span>-Risiken ber\u00fccksicht<span class=\"_ _0\"></span>igt. Hinter dem<span class=\"_ _128\"> </span>Rating des Schuldn<span class=\"_ _0\"></span>ers steht dabei immer eine Ausfallsrate je Ratingklas<span class=\"_ _0\"></span>se. Diese leitet sich f\u00fcr d<span class=\"_ _0\"></span>ie Low-Default<span class=\"_ _0\"></span>-Portfolios<span class=\"_ _128\"> </span>(Staaten und Banken) au<span class=\"_ _0\"></span>s der bankinternen Masterskala ab<span class=\"_ _0\"></span>. F\u00fcr die wesentlichen Kundensegmente Corp<span class=\"_ _0\"></span>orates, Retail und<span class=\"_ _128\"> </span>SME leiten sich diese aus den<span class=\"_ _0\"></span> realisierten Ausfallraten der jeweiligen Migration<span class=\"_ _0\"></span>smatri<span class=\"_ _0\"></span>zen ab. Dieses bildet die Basis f\u00fcr d<span class=\"_ _0\"></span>ie<span class=\"_ _128\"> </span>Beurteilung, ob und wan<span class=\"_ _0\"></span>n ein signifikanter Anstieg des Kreditrisikos stattgefund<span class=\"_ _0\"></span>en hat. <span class=\"_ _0\"></span> Das quantitative Transferkr<span class=\"_ _0\"></span>iterium in der Oberbank AG basiert auf einer Analyse der kumulierten Ausfallsw<span class=\"_ _0\"></span>ahrscheinlichkei-<span class=\"_ _128\"> </span>ten <span class=\"lsb\">(L</span>ifetime PDs). Die folgenden<span class=\"_ _0\"></span> Variablen beeinflussen die Ermittlu<span class=\"_ _0\"></span>ng einer relativen PD<span class=\"_ _0\"></span>-Verschlechterung:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Kundensegment;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rating bei Zugang d<span class=\"_ _0\"></span>es Finanzinstruments;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Restlaufzeit (Vergleich zwischen Bilanzst<span class=\"_ _0\"></span>ichtag und Vertragsende);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Alter des Finanzinstruments (Vergleich zwischen Zu<span class=\"_ _0\"></span>gangsdatum und<span class=\"_ _0\"></span> Bilanzstichtag).<span class=\"_ _128\"> </span></span></span>Zur \u00dcberpr\u00fcfung der Signifikanz einer Kredit<span class=\"_ _0\"></span>risikoerh\u00f6hung dient dabei ein Vergleich der Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeit zum<span class=\"_ _128\"> </span>erstmaligen Bilanzansatz mit d<span class=\"_ _0\"></span>er Ausfallswahrscheinlichkeit zum Bewertungsstichtag <span class=\"_ _0\"></span>(IFRS 9.5.5.9). Dab<span class=\"_ _0\"></span>ei ist die Lifetime PD<span class=\"_ _128\"> </span>der aktuellen Ratingeinstufung \u00fcber d<span class=\"_ _0\"></span>ie verbleibende Restlaufzeit heranzuziehen. D<span class=\"_ _0\"></span>ies erfolgt mittels eines Vergleichs der<span class=\"_ _128\"> </span>Lifetime PD im aktuellen Ratingstad<span class=\"_ _0\"></span>ium \u00fcber die noch verbleibende Restlaufzeit mit d<span class=\"_ _0\"></span>er Forw<span class=\"_ _0\"></span>ard Lifetime PD im Ratin<span class=\"_ _0\"></span>gsta-<span class=\"_ _128\"> </span>dium bei Zugang \u00fcber ebend<span class=\"_ _0\"></span>iese Laufzeit. Das Kriterium der Zuordnun<span class=\"_ _0\"></span>g zu Stufe 1 und 2 basiert damit haupts\u00e4chlich auf einem relativen Kr<span class=\"_ _0\"></span>iterium und nicht auf der<span class=\"_ _128\"> </span>absoluten Kreditrisikoeinsch\u00e4t<span class=\"_ _0\"></span>zung zu jedem Beurteilungszeitpunk<span class=\"_ _0\"></span>t (IFRS 9.B5.5.9). <span class=\"_ _0\"></span> Als Backstop und aufgrund<span class=\"_ _0\"></span> der Analyse des relativen Transferkriteriums wurde unabh\u00e4n<span class=\"_ _0\"></span>gig von der Struktur der Migrations-<span class=\"_ _128\"> </span>matrix entschieden, d<span class=\"_ _0\"></span>ass ein Stufentransfer jedenfalls dann ausgel\u00f6st werden mu<span class=\"_ _0\"></span>ss, wenn sich der Kredit seit Zugang <span class=\"_ _1\"></span>um<span class=\"_ _128\"> </span>mindestens drei Ratingstu<span class=\"_ _0\"></span>fen verschoben hat. Bei sehr langen Restlaufzeiten und<span class=\"_ _0\"></span> sehr guten Ratings kann es aufgrund des<span class=\"_ _128\"> </span>\u201eDrifts zur Mitte\u201c bei der marginalen P<span class=\"_ _0\"></span>D dazu kommen, dass selbst b<span class=\"_ _0\"></span>ei Downgrades von mehreren Ratingstufen d<span class=\"_ _0\"></span>as relative<span class=\"_ _128\"> </span>Transferkriterium an<span class=\"_ _0\"></span>sonsten nicht erreicht wird.<span class=\"_ _128\"> </span>Ein R\u00fccktransfer in eine b<span class=\"_ _0\"></span>essere Stufe wird dann vorgenommen, wenn die Krit<span class=\"_ _0\"></span>erien, die zu einer Abstufung gef\u00fchrt haben<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span>nicht mehr zutreffen. Auf<span class=\"_ _0\"></span>- und Abstufungen w<span class=\"_ _0\"></span>erden somit symmetrisch behand<span class=\"_ _0\"></span>elt. Ein R\u00fccktransfer au<span class=\"_ _0\"></span>s Stage 2 erfolgt bei-<span class=\"_ _128\"> </span>spielsweise, sobald keine signifikant<span class=\"_ _0\"></span>e Erh\u00f6hung des Ausfallrisikos mehr vorliegt. Ma\u00dfstab ist<span class=\"_ _0\"></span> wiederum der Vergleich des<span class=\"_ _128\"> </span>Ausfallrisikos bei Zugan<span class=\"_ _0\"></span>g mit dem Ausfallrisiko zum betreffenden Bilanzsticht<span class=\"_ _0\"></span>ag.<span class=\"_ _0\"></span> Das Wertberichtigungsmod<span class=\"_ _0\"></span>ell der Oberbank AG bezieht sich sowohl in<span class=\"_ _0\"></span> der Berechnung der Risikovorsorge als auch in der<span class=\"_ _128\"> </span>Beurteilung des Stu<span class=\"_ _0\"></span>fentransfers immer auf das Einzelgesch\u00e4ft. Dies bedeutet, dass d<span class=\"_ _0\"></span>ie relevanten Kreditrisikoparameter PD<span class=\"_ _128\"> </span>(Ausfallswahrscheinlichkeit), LGD <span class=\"_ _0\"></span>(Verlust bei Ausfall) sow<span class=\"_ _0\"></span>ie EAD (Obligo bei Ausfall) sich immer a<span class=\"_ _0\"></span>uf einen einzelnen Kredit-<span class=\"_ _128\"> </span>nehmer beziehen und<span class=\"_ _0\"></span> sich von einem einzelnen Gesch\u00e4ft ableiten.<span class=\"_ _0\"></span> Qualitative Kriterien f\u00fcr einen Stufentran<span class=\"_ _0\"></span>sfer<span class=\"_ _128\"> </span>Ein Finanzinstrument mit Nachsicht (<span class=\"_ _0\"></span>Forbearance) wird in<span class=\"_ _0\"></span> jedem Fall der Stufe 2 zugewiesen, sofern sich die Forderung n<span class=\"_ _0\"></span>icht<span class=\"_ _128\"> </span>ohnehin schon im Au<span class=\"_ _0\"></span>sfall befindet. W\u00e4hrend der gesamten Bew\u00e4h<span class=\"_ _0\"></span>rungsphase wird somit f\u00fcr diese Forderun<span class=\"_ _0\"></span>gen ein Lifetime<span class=\"_ _128\"> </span>Expected Loss angesetzt.<span class=\"_ _0\"></span> Die widerlegbare Vermutun<span class=\"_ _0\"></span>g bei einer 30-t\u00e4gigen \u00dcberf\u00e4lligkeit<span class=\"_ _0\"></span> f\u00fchrt als qualitatives Kriterium zu einem Stufent<span class=\"_ _0\"></span>ransfer (IFRS<span class=\"_ _128\"> </span>9.5.5.11). Das bedeutet<span class=\"_ _0\"></span>, dass Instrumente sp\u00e4testens dann d<span class=\"_ _0\"></span>er Stufe 2 zuzuweisen sind, sobald der Zah<span class=\"_ _0\"></span>lungsverzug von Kapi-<span class=\"_ _128\"> </span>tal und/oder Zinszah<span class=\"_ _0\"></span>lungen 30 Tage \u00fcbersteigt. <span class=\"ff5\"> </span>Ebenso werden Fremdw<span class=\"_ _0\"></span>\u00e4hrungskredite mit w\u00e4hrungsinkongruentem Einkommen und Kr<span class=\"_ _0\"></span>edite mit Tilgungstr\u00e4gern im Le-<span class=\"_ _128\"> </span>bendgesch\u00e4ft in jedem Fall der St<span class=\"_ _0\"></span>ufe 2 zugewiesen. Durch W\u00e4hrun<span class=\"_ _0\"></span>gsschwankungen sowie Schwankungen in<span class=\"_ _0\"></span> den Sicherhei-<span class=\"_ _128\"> </span>tenwerten bei Tilgun<span class=\"_ _0\"></span>gstr\u00e4gern ist mit h\u00f6heren Risiken der Schuldenbed<span class=\"_ _0\"></span>ienbarkeit zu rechnen als bei konvent<span class=\"_ _0\"></span>ionellen Kredit-<span class=\"_ _128\"> </span>best\u00e4nden. Neben den modellimmanenten qu<span class=\"_ _0\"></span>alitativen Faktoren f\u00fcr einen Stufentr<span class=\"_ _0\"></span>ansfer wendet die Oberbank AG aufgrund<span class=\"_ _0\"></span> der anhal-<span class=\"_ _128\"> </span>tenden Energiekrise, hoh<span class=\"_ _0\"></span>en Inflation und<span class=\"_ _0\"></span> steigenden Zinsen als Folge des Ukraine<span class=\"_ _0\"></span>-Krieges per 31.12.2022 auch einen kol-<span class=\"_ _128\"> </span>lektiven Stufentransfer in die Stufe 2 f\u00fcr gew<span class=\"_ _0\"></span>isse Teilportfolios an.<span class=\"_ _0\"></span> Grund daf\u00fcr sind die hohen En<span class=\"_ _0\"></span>ergiepreise bei Gas, welche sich zwar k\u00fcrzlich an<span class=\"_ _0\"></span> den Energiem\u00e4rk<span class=\"_ _0\"></span>ten a<span class=\"_ _0\"></span>ufgrund hoher Lager-<span class=\"_ _128\"> </span>st\u00e4nde entspannt<span class=\"_ _0\"></span> haben, jedoch f\u00fcr den Endkunden noch hoch sind<span class=\"_ _0\"></span>. Dar\u00fcber hinaus k\u00f6nnen eine neuerliche starke Verteue-<span class=\"_ _128\"> </span>rung bzw. ein g\u00e4nzlicher Gasstop n<span class=\"_ _0\"></span>icht ausgeschlossen, sowie die Folgen f\u00fcr, vo<span class=\"_ _0\"></span>n Gas abh\u00e4ngigen Kunden, unter einem<span class=\"_ _1\"></span> welt-<span class=\"_ _128\"> </span>weiten Konjunkturabschw<span class=\"_ _0\"></span>ung, nur schwer abgesch\u00e4tzt werden.<span class=\"_ _0\"></span> Ein weiter Grund sind der starke Zinsanst<span class=\"_ _0\"></span>ieg, sowie die derzeit vorherrschende hohe Inflat<span class=\"_ _0\"></span>ion. Insbesondere kann es dadurch<span class=\"_ _128\"> </span>im Bereich der Immobilienprojektfinan<span class=\"_ _0\"></span>zierungen mit gewerblichen Hyp<span class=\"_ _0\"></span>othekarsicherh<span class=\"_ _0\"></span>eiten zu Verz\u00f6gerungen beim Projekt-<span class=\"_ _128\"> </span>fortschritt kommen und<span class=\"_ _0\"></span> es besteht die Gefahr, dass die gestiegenen Einkaufspreise bzw. Gest<span class=\"_ _0\"></span>ehungskosten nicht weiterver-<span class=\"_ _128\"> </span>rechnet werden k\u00f6nnen. Folglich k\u00f6<span class=\"_ _0\"></span>nnen hohe Risiken bei der R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit bei Kr<span class=\"_ _0\"></span>editen entstehen, da sich die Bau-<span class=\"_ _128\"> </span>wirtschaft seit dem 2.Quartal 2022 in einer Schw<span class=\"_ _0\"></span>\u00e4chephase befindet<span class=\"_ _0\"></span> und die hohen Baukosten die Nachfrage un<span class=\"_ _0\"></span>d Investitio-<span class=\"_ _128\"> </span>nen in Bauprojekt<span class=\"_ _0\"></span>e d\u00e4mpfen.<span class=\"_ _128\"> </span>Vor diesem Hintergrund ers<span class=\"_ _0\"></span>cheint es bei folgenden Portfolios der Segmente C<span class=\"_ _0\"></span>orpor<span class=\"_ _0\"></span>ates und SME notwendig, die erwartete<span class=\"_ _128\"> </span>Erh\u00f6hung des Kreditrisikos vor\u00fcbergehend<span class=\"_ _0\"></span> \u00fcber den kollektiven Stufentransfer anzuw<span class=\"_ _0\"></span>enden:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer portfolio\u00fcbergreifenden E<span class=\"_ _0\"></span>inzelanalyse eine Gasabh\u00e4ngig-<span class=\"_ _128\"> </span></span></span>keit festgestellt werden konnt<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten.<span class=\"_ _0\"></span> </span></span>Der Zeitpunkt des Wegfalls bzw. einer Redu<span class=\"_ _0\"></span>ktion des kollektiven Stu<span class=\"_ _0\"></span>fentransfers h\u00e4ngt in erster Linie von der weiteren Pr<span class=\"_ _0\"></span>eis-<span class=\"_ _128\"> </span>entwicklung b<span class=\"_ _0\"></span>ei Rohstoffen, dem Abflauen des In<span class=\"_ _0\"></span>flationsdrucks sowie der Entwicklung der Verbraucherpreise ab. <span class=\"_ _0\"></span> Wegfall Covid 19 Staging<span class=\"_ _128\"> </span>Auf Grund des Abflau<span class=\"_ _0\"></span>ens der Covid 19 Pandemie und des Wegfalls der Einschr\u00e4nku<span class=\"_ _0\"></span>ngen wurde das damit verbundene kol-<span class=\"_ _128\"> </span>lektive Stufentra<span class=\"_ _0\"></span>nsfer beendet. Details k\u00f6nn<span class=\"_ _0\"></span>en der Note 2.2 entnommen werden.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 3 (No<span class=\"_ _0\"></span>n-Performing Loans)<span class=\"_ _0\"></span> Non-Performing Loan<span class=\"_ _0\"></span>s werden der Stufe 3 zugeordn<span class=\"_ _0\"></span>et. Die Bildung einer Risikovorsorge erfolgt kon<span class=\"_ _0\"></span>zernweit in H\u00f6he der<span class=\"_ _128\"> </span>erwarteten Verluste, wenn zu<span class=\"_ _0\"></span> bef\u00fcrchten ist, dass die KundInnen ihren Kreditverpflichtungen nicht im v<span class=\"_ _0\"></span>ollen Umfang nach-<span class=\"_ _128\"> </span>kommen. F\u00fcr notleidende Kredit<span class=\"_ _0\"></span>e erfolgt d<span class=\"_ _0\"></span>ie Risikovorsorgen-Bildun<span class=\"_ _0\"></span>g gem\u00e4\u00df IFRS 9 5.5 mittels der D<span class=\"_ _0\"></span>iscounted Cash<span class=\"_ _0\"></span>-Flow<span class=\"_ _128\"> </span>Methode in H\u00f6he des erw<span class=\"_ _0\"></span>arteten Verlustes bezogen auf die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-Expected C<span class=\"_ _0\"></span>redit Loss (E<span class=\"_ _0\"></span>CL)) und Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags auf Basis des Netto<span class=\"_ _0\"></span>buchwertes unter Anw<span class=\"_ _0\"></span>endung der E<span class=\"_ _0\"></span>ffektivzinssatzmethode. F\u00fcr a<span class=\"_ _0\"></span>lle nicht bedeutsa-<span class=\"_ _128\"> </span>men notleidenden Kr<span class=\"_ _0\"></span>edite wird mittels eines Expertenverfahrens f\u00fcr die Unterdeckung eine Risikovor<span class=\"_ _0\"></span>sorge errechnet. Diese<span class=\"_ _128\"> </span>betr\u00e4gt f\u00fcr bereits gek\u00fcndigte Kredite, bei den<span class=\"_ _0\"></span>en die Sicherheiten verwertet<span class=\"_ _0\"></span> w<span class=\"_ _0\"></span>erden, 100% der Unterdeckung. F\u00fcr den Rest werden abh<span class=\"_ _0\"></span>\u00e4ngig von Ausfallsgrund und Ausfallsstat<span class=\"_ _0\"></span>us zwischen 20% und 100% der Unterd<span class=\"_ _0\"></span>eckung als Risiko-<span class=\"_ _128\"> </span>vorsorge angesetzt.  <span class=\"_ _7\"> </span> Direktabschreibung von Non-P<span class=\"_ _0\"></span>erforming Loans Wenn ein Ereignis eintritt, welches die E<span class=\"_ _0\"></span>inbringlichmachung eines Teiles eines Obligos oder ei<span class=\"_ _0\"></span>nes Gesamtobligos un<span class=\"_ _0\"></span>m\u00f6glich<span class=\"_ _128\"> </span>macht, und keine oder kein<span class=\"_ _0\"></span>e ausreichende Risikovorsorge vorhanden<span class=\"_ _0\"></span> ist, wird der uneinbringliche Saldo direkt gegen die<span class=\"_ _128\"> </span>GuV ausgebucht (D<span class=\"_ _0\"></span>irektabschreibung). Solche Ereignisse k<span class=\"_ _0\"></span>\u00f6nnen u.a. sein: -<span class=\"_ _18\"> </span><span class=\"ff4\">Ausbuchung d<span class=\"_ _0\"></span>es Restsaldos nach Abweisung oder Abschluss <span class=\"_ _0\"></span>eines Insolvenzverfahrens und / oder nach Verwertung<span class=\"_ _128\"> </span></span>aller zur Verf\u00fcgung stehender Sicherheiten;<span class=\"_ _128\"> </span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Nachlassabhandlu<span class=\"_ _0\"></span>ng ohne Verm\u00f6gen und Sicherheiten;<span class=\"_ _128\"> </span></span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Umschuldun<span class=\"_ _0\"></span>g mit Gew\u00e4hrung eines Nachlasses (Vergleichsverein<span class=\"_ _0\"></span>barung).<span class=\"_ _128\"> </span></span>ECL Berechnung<span class=\"_ _128\"> </span>In der Oberbank AG <span class=\"_ _0\"></span>gilt das Wertminderungsmodell nach IFRS 9 f\u00fcr folgende An<span class=\"_ _0\"></span>wendungsbereiche:<span class=\"_ _0\"></span> \u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">finanzielle Verm\u00f6genswerte, die zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten oder erfolgsneu<span class=\"_ _0\"></span>tral zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _128\"> </span></span>bewertet werden,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Leasingforderungen,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">unwiderrufliche Kreditzusa<span class=\"_ _0\"></span>gen und Finanzgarantien.<span class=\"_ _128\"> </span></span>Der Expected Credit Lo<span class=\"_ _0\"></span>ss ist in der Oberbank AG eine wahrscheinlichkeitsgewichtete Sch\u00e4tzun<span class=\"_ _0\"></span>g des Verlusts \u00fcber die ersten<span class=\"_ _128\"> </span>zw\u00f6lf Monate (Stufe 1)<span class=\"_ _0\"></span> oder \u00fcber die erwartete Restlaufzeit des Finan<span class=\"_ _0\"></span>zinstruments (Stufe 2). Er ist<span class=\"_ _0\"></span> sozusagen der Barwert<span class=\"_ _128\"> </span>der Differenz aus vertraglich vereinbarten<span class=\"_ _0\"></span> Cashflows und erwarteten Cas<span class=\"_ _0\"></span>hflows. Die Berechnung des erwarteten Verlu<span class=\"_ _0\"></span>sts<span class=\"_ _128\"> </span>beinhaltet dabei<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">einen erwartungsgetreu<span class=\"_ _0\"></span>en und wahrscheinlichkeitsgewichteten Betrag, <span class=\"_ _0\"></span>der durch Betrachtung m\u00f6glicher Szenarien be-<span class=\"_ _128\"> </span></span>stimmt wird,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">den Zeitwert des Geldes,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Informationen \u00fcber vergan<span class=\"_ _0\"></span>gene Ereignisse, aktuelle Bedingungen und Prognosen k\u00fcn<span class=\"_ _0\"></span>ftiger wirtschaftlicher <span class=\"_ _0\"></span>Bedingun<span class=\"_ _0\"></span>gen.<span class=\"_ _128\"> </span></span>De<span class=\"ws1\">r <span class=\"ws2\">maximale <span class=\"ws3\">Ze</span></span></span>itrau<span class=\"ws4\">m, </span>f\u00fc<span class=\"ws1\">r <span class=\"ws2\">d</span></span>e<span class=\"ws5\">n <span class=\"ws6\">d</span></span>e<span class=\"ws7\">r <span class=\"ws2\">E</span></span>xpecte<span class=\"ws8\">d <span class=\"ws6\">Cr</span></span>edi<span class=\"ws6\">t Lo<span class=\"ws2\">ss </span></span>bestim<span class=\"ws9\">mt <span class=\"ws2\">w</span></span>ird<span class=\"wsa\">, <span class=\"wsb\">is<span class=\"wsc\">t <span class=\"ws6\">d</span></span></span></span>abei d<span class=\"wsd\">ie <span class=\"wse\">V</span></span>ertragslaufzeit<span class=\"wsf\">, <span class=\"wsb\">\u00fc</span></span>be<span class=\"ws7\">r <span class=\"ws2\">d</span></span>e<span class=\"ws10\">n <span class=\"wse\">d</span></span>ie<span class=\"_ _128\"> </span>Oberbank A<span class=\"ws11\">G </span>einem Kreditr<span class=\"ws12\">isiko </span>au<span class=\"wsb\">s </span>dem Finan<span class=\"_ _0\"></span>zinstrumen<span class=\"ws13\">t <span class=\"ws6\">a</span></span>usgeset<span class=\"ws11\">zt ist<span class=\"wsb\">. </span></span>Nu<span class=\"ws14\">r <span class=\"ws2\">b</span></span>ei revolvierende<span class=\"ws8\">n <span class=\"ws6\">Kr</span></span>edite<span class=\"ws15\">n </span>wir<span class=\"ws15\">d </span>de<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>ar-<span class=\"_ _128\"> </span>tet<span class=\"ws15\">e <span class=\"ws3\">Kr</span></span>editverlus<span class=\"wsc\">t <span class=\"ws6\">f\u00fc<span class=\"ws1\">r <span class=\"ws2\">ei</span></span></span></span>ne<span class=\"ws5\">n <span class=\"ws6\">Ze</span></span>itraum b<span class=\"_ _0\"></span>estimmt<span class=\"ws16\">, </span>de<span class=\"ws1\">r <span class=\"ws2\">u</span></span>nte<span class=\"ws17\">r </span>Umst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"ws8\">n <span class=\"ws6\">l\u00e4</span></span>nge<span class=\"ws7\">r <span class=\"ws2\">a</span></span>ls d<span class=\"wsd\">ie <span class=\"wse\">v</span></span>ertraglich<span class=\"ws15\">e <span class=\"ws3\">Lau</span></span>fze<span class=\"ws18\">it <span class=\"ws2\">ist<span class=\"ws19\">. </span></span></span>De<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>artete<span class=\"_ _128\"> </span>Verlust <span class=\"ws1a\">setzt <span class=\"ws1b\">sich <span class=\"ws1c\">aus <span class=\"ws0\">drei Komponenten <span class=\"ws6\">zusammen:<span class=\"_ _128\"> </span></span></span></span></span></span>ECL = PD x LGD x EAD<span class=\"_ _128\"> </span>(PD: Ausfallswahrscheinlichkeit; LGD: Los<span class=\"wsb\">s </span>give<span class=\"ws1d\">n <span class=\"ws6\">D</span></span>efault/<span class=\"_ _0\"></span>Verlus<span class=\"wsc\">t <span class=\"ws6\">b</span></span>ei Ausfall in <span class=\"ws1b\">% <span class=\"ws6\">d</span></span>e<span class=\"wsb\">s </span>EA<span class=\"ws1e\">D <span class=\"ws2\">a</span></span>usgegeben; EAD: Exposur<span class=\"ws1f\">e <span class=\"ws3\">a</span></span>t<span class=\"_ _128\"> </span>Default/Offene<span class=\"ws1\">r <span class=\"ws2\">Bet</span></span>rag im Zeitpun<span class=\"_ _0\"></span>k<span class=\"ws6\">t d</span>e<span class=\"wsb\">s </span>Ausfalls de<span class=\"wsb\">s </span>Kredits)<span class=\"_ _128\"> </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6genswert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St</span></span></span>u<span class=\"ws21\">fe <span class=\"wsb\">2 </span></span>u<span class=\"_ _0\"></span>n<span class=\"ws5\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>d<span class=\"ws22\">amit <span class=\"ws2\">ei</span></span>nhergeh<span class=\"_ _0\"></span>ende<span class=\"ws5\">n <span class=\"ws6\">Ber</span></span>echnung de<span class=\"wsb\">s </span>Lifetim<span class=\"ws23\">e <span class=\"ws3\">E</span></span>xpecte<span class=\"ws5\">d <span class=\"ws6\">Cr</span></span>e-<span class=\"_ _128\"> </span>d<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>entsprich<span class=\"ws13\">t <span class=\"ws6\">d</span></span>ie<span class=\"wsb\">s </span>de<span class=\"ws24\">r <span class=\"ws2\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">d</span></span>e<span class=\"wsb\">s </span>Kontrakt<span class=\"ws25\">s. </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6gensw<span class=\"_ _0\"></span>ert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St<span class=\"ws26\">age </span></span></span>1 </span>(12<span class=\"_ _0\"></span>-Monat<span class=\"_ _0\"></span>s-ECL)<span class=\"_ _128\"> </span>wir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span>fze<span class=\"ws25\">it <span class=\"ws22\">mit <span class=\"ws2\">ei</span></span></span>nem Jah<span class=\"ws1\">r <span class=\"ws2\">b</span></span>eschr\u00e4n<span class=\"_ _0\"></span>kt<span class=\"wsb\">. </span>Lie<span class=\"ws28\">gt <span class=\"ws11\">d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span></span></span>fze<span class=\"ws18\">it <span class=\"ws2\">u</span></span>nte<span class=\"ws1\">r <span class=\"ws2\">ei</span></span>nem Jahr<span class=\"wsf\">, <span class=\"wsb\">s<span class=\"ws1e\">o <span class=\"ws2\">w<span class=\"_ _0\"></span></span></span></span></span>ir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">t</span></span>ats\u00e4chlich<span class=\"ws1f\">e <span class=\"ws3\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">f\u00fc<span class=\"ws1\">r </span>d<span class=\"_ _0\"></span></span></span>ie<span class=\"_ _128\"> </span>Berechnung heran<span class=\"_ _0\"></span>gezogen<span class=\"ws19\">. </span>De<span class=\"ws17\">r <span class=\"wsd\">E</span></span>xpecte<span class=\"ws29\">d <span class=\"ws6\">Cr</span></span>ed<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>nac<span class=\"ws2a\">h <span class=\"wse\">I</span></span>FRS 9 ist <span class=\"ws6\">d</span>ab<span class=\"_ _0\"></span>ei e<span class=\"ws2b\">in <span class=\"ws11\">d</span></span>iskontierte<span class=\"ws1\">r <span class=\"ws2\">We</span></span>rt<span class=\"wsb\">. </span>Hierf\u00fc<span class=\"ws2c\">r <span class=\"ws2\">w</span></span>ir<span class=\"ws8\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>jeweilige<span class=\"_ _128\"> </span>EL je <span class=\"ws2d\">P</span>eriod<span class=\"ws15\">e <span class=\"ws22\">mit <span class=\"ws2\">d</span></span></span>em Diskontfakt<span class=\"_ _0\"></span>o<span class=\"ws1\">r <span class=\"ws2\">j<span class=\"ws15\">e <span class=\"ws3\">P</span></span></span></span>eriod<span class=\"ws15\">e <span class=\"ws3\">mu</span></span>ltipliziert<span class=\"wsb\">. </span>De<span class=\"ws2c\">r <span class=\"ws2\">D</span></span>iskontfakto<span class=\"ws17\">r <span class=\"wsd\">b<span class=\"_ _0\"></span></span></span>einhalte<span class=\"ws2e\">t </span>dabei de<span class=\"ws5\">n <span class=\"ws6\">E</span></span>ffektivzinssatz de<span class=\"wsb\">s </span>Ver-<span class=\"_ _128\"> </span>m\u00f6genswerts.<span class=\"_ _128\"> </span>Wesentlich<span class=\"ws1c\">e <span class=\"wsb\">I</span></span>nputparameter<span class=\"_ _128\"> </span>Ausfallswahrscheinlichke<span class=\"ws18\">it <span class=\"ws2\">(P</span></span>D/Probabilit<span class=\"ws2\">y </span>of Default)<span class=\"ws2f\"> </span>D<span class=\"ws27\">ie <span class=\"wse\">A</span></span>usfallswahr<span class=\"_ _0\"></span>scheinlichke<span class=\"ws30\">it </span>wir<span class=\"ws8\">d <span class=\"ws31\">in <span class=\"ws32\">ei</span></span></span>nem Basisszenar<span class=\"ws11\">io </span>f\u00fc<span class=\"ws17\">r </span>d<span class=\"ws33\">ie <span class=\"wse\">Se</span></span>gment<span class=\"ws15\">e <span class=\"ws3\">Co</span></span>rpo<span class=\"_ _0\"></span>rate<span class=\"ws7\">s, <span class=\"ws2\">SM<span class=\"ws34\">E </span></span></span>un<span class=\"ws8\">d <span class=\"ws6\">R</span></span>etail au<span class=\"wsb\">s </span>de<span class=\"ws15\">n </span>histori-<span class=\"_ _128\"> </span>sche<span class=\"ws5\">n <span class=\"ws6\">A</span></span>usfallsrate<span class=\"ws35\">n </span>un<span class=\"ws8\">d <span class=\"ws6\">M<span class=\"_ _0\"></span></span></span>igrationswahrscheinlichkeite<span class=\"ws5\">n <span class=\"ws6\">a</span></span>bgeleitet.<span class=\"_ _128\"> </span>Je Segment und Ratingstufe werd<span class=\"_ _0\"></span>en die Ausfallswahrscheinlichkeiten f\u00fcr untersch<span class=\"_ _0\"></span>iedliche Laufzeiten (Lifetime PD) aus d<span class=\"_ _0\"></span>em<span class=\"_ _128\"> </span>Ausfallsvektor der Migrationsmatrix au<span class=\"_ _0\"></span>sgelesen. F\u00fcr die Segmente Banken und<span class=\"_ _1\"></span> Sovereign wird die Ausfallswahrscheinlichkeit<span class=\"_ _128\"> </span>direkt aus den internen R<span class=\"_ _0\"></span>atings und somit aus der bankinternen Masterskala abgeleitet.<span class=\"_ _0\"></span> F\u00fcr die Ermittlung der historischen Ausfallsr<span class=\"_ _0\"></span>aten und Migrationswahrscheinlichkeiten f\u00fcr d<span class=\"_ _0\"></span>as zentrale Kundenkreditportfoli<span class=\"_ _1\"></span><span class=\"ls12\">o<span class=\"_ _128\"> </span></span>werden Migrationsmatrizen f\u00fcr die jeweiligen Segmen<span class=\"_ _0\"></span>te berechnet. Hierbei wird jeweils der Zeitrau<span class=\"_ _0\"></span>m der letzten zehn Jahre<span class=\"_ _128\"> </span>betrachtet. Als Basis zur<span class=\"_ _0\"></span> Bestimmung der 1-Jah<span class=\"_ _0\"></span>res-Migrationsmatrix dient zuerst eine qu<span class=\"_ _0\"></span>artalsweise Betrachtung von Rating-<span class=\"_ _128\"> </span>migrationen.<span class=\"_ _128\"> </span>Die 1-Jahres-Migrationsmatrix w<span class=\"_ _0\"></span>ird anhand einer Matrixmultiplikation<span class=\"_ _0\"></span> von vier aufeinander folgenden Quart<span class=\"_ _0\"></span>alen ermittelt.<span class=\"_ _128\"> </span>Die endg\u00fcltige 1-Jahres-Migrat<span class=\"_ _0\"></span>ionsmatrix ist dab<span class=\"_ _0\"></span>ei der Mittelwert \u00fcber alle ermittelten Migrationsmatr<span class=\"_ _0\"></span>izen. Die 1<span class=\"_ _0\"></span>-Jahres-PD<span class=\"_ _128\"> </span>pro Ratingklasse ist d<span class=\"_ _0\"></span>abei die Summe der PD aus den drei Default Rat<span class=\"_ _0\"></span>ingklassen 5a, 5b und 5c. Kumulierte bzw. Lifetime PD<span class=\"_ _128\"> </span>werden mittels d<span class=\"_ _0\"></span>er Markov-Annahme von Migrationsmat<span class=\"_ _0\"></span>rizen mittels Matrizenmultiplikation gebildet. Daraus ergeben s<span class=\"_ _0\"></span>ich<span class=\"_ _128\"> </span>pro Segment und Rat<span class=\"_ _0\"></span>ingklasse PD-Kurven. F\u00fcr einzelne Segmente und Laufzeitb\u00e4n<span class=\"_ _0\"></span>der werden diese bedingten Basis<span class=\"_ _0\"></span>-PD,<span class=\"_ _0\"></span> die sich aus der Through The Cycle Migrations-<span class=\"_ _128\"> </span>matrix ergeben, angepasst, um zukun<span class=\"_ _0\"></span>ftsgerichtete Informationen einflie\u00dfen zu lassen. Diese so<span class=\"_ _0\"></span>genannte Point<span class=\"_ _1\"></span>-<span class=\"ls19\">In</span>-Time-An-<span class=\"_ _128\"> </span>passung (PIT-Anpassu<span class=\"_ _0\"></span>ng) findet statt indem durch stat<span class=\"_ _0\"></span>istische Modelle versucht wird, Zusammenh\u00e4nge zwischen der A<span class=\"_ _0\"></span>us-<span class=\"_ _128\"> </span>fallswahrscheinlichkeit und erkl\u00e4r<span class=\"_ _0\"></span>enden makro\u00f6konomischen Variab<span class=\"_ _0\"></span>len herzustellen. <span class=\"_ _0\"></span> Als statistisches Modell wird eine logistische Regression <span class=\"_ _0\"></span>verw<span class=\"_ _0\"></span>endet, wodurch die Ausfallswahrscheinlichkeit progn<span class=\"_ _0\"></span>ostiziert<span class=\"_ _128\"> </span>wird. Die Regressionsp<span class=\"_ _0\"></span>arameter werden durch Maximierung der Likelihood Fun<span class=\"_ _0\"></span>ktion gesch\u00e4tzt. Als wesent<span class=\"_ _0\"></span>liche makro\u00f6ko-<span class=\"_ _128\"> </span>nomische Variablen gehen d<span class=\"_ _0\"></span>er harmonisierte Verbraucherpreisindex (CPI), sowi<span class=\"_ _1\"></span>e das Wachstum des Bruttoinland<span class=\"_ _0\"></span>sproduktes<span class=\"_ _128\"> </span>(BIP) ins Modell ein. Bei den Faktor<span class=\"_ _0\"></span>en CPI und BIP findet eine L\u00e4ndergewichtung statt. <span class=\"_ _0\"></span>Dabei werden die L\u00e4nder \u00d6sterreich,<span class=\"_ _128\"> </span>Deutschland, Tschechien, Ungar<span class=\"_ _0\"></span>n und Slowakei ber\u00fccksichtigt, in denen<span class=\"_ _0\"></span> die Oberbank AG t\u00e4tig<span class=\"_ _0\"></span> ist. Wobei die Fakto<span class=\"_ _0\"></span>ren f\u00fcr<span class=\"_ _128\"> </span>\u00d6sterreich mit 66%, f\u00fcr Deutschland mit<span class=\"_ _0\"></span> 19%, f\u00fcr Tschechien mit 8% sow<span class=\"_ _0\"></span>ie, f\u00fcr Ungarn und Slowakei mit 4% bzw. mit<span class=\"_ _0\"></span> 3%<span class=\"_ _128\"> </span>gewichtet werden.<span class=\"_ _128\"> </span>Zur Modellwahl wird d<span class=\"_ _0\"></span>as Informationskritierium nach Akaike (AIC) verwendet, wobei die Variab<span class=\"_ _0\"></span><span class=\"ff9\">len mit<span class=\"_ _0\"></span>tels \u201eStepwise Selek-<span class=\"_ _128\"> </span></span>tion\u201c selektiert werden.<span class=\"ff4\"> </span>Anhand dieser gesch\u00e4tzten<span class=\"_ _0\"></span> Faktoren wird die PD in den Segmenten Corporat<span class=\"_ _0\"></span>e, Retail und SME mittels Skalarans\u00e4tzen ange-<span class=\"_ _128\"> </span>passt. In den Segmenten Sovereign und<span class=\"_ _0\"></span> Banken konnten keine plausiblen Korrelation<span class=\"_ _0\"></span>en mit<span class=\"_ _0\"></span> makro\u00f6konomischen Fakt<span class=\"_ _0\"></span>oren<span class=\"_ _128\"> </span>hergeleitet werden.<span class=\"_ _128\"> </span>Die Oberbank verw<span class=\"_ _0\"></span>endet f\u00fcr die ECL-Berechnung drei un<span class=\"_ _0\"></span>terschiedliche Szenarien (Normal<span class=\"_ _0\"></span>-, Up- und Downszenar<span class=\"_ _0\"></span>io), wobei<span class=\"_ _128\"> </span>die schlussendliche Anpas<span class=\"_ _0\"></span>sung einer Linearkombination der drei unterschiedlichen Szenarien<span class=\"_ _1\"></span> gleichkommt. Die Szenarioge-<span class=\"_ _128\"> </span>wichtung orientiert sich an<span class=\"_ _0\"></span> der derzeit g\u00e4ngigen Praxis, dass das Normalszenario mit 50%<span class=\"_ _0\"></span> Prozent und die beiden anderen<span class=\"_ _128\"> </span>Szenarien jeweils mit 25% gewichtet<span class=\"_ _0\"></span> werden. F\u00fcr die Szenarien bedient sich d<span class=\"_ _0\"></span>ie Oberbank makro\u00f6konomischer Da<span class=\"_ _1\"></span>ten des<span class=\"_ _128\"> </span>Informationsdienstleisters Bloomberg. Dab<span class=\"_ _0\"></span>ei ist festzuhalten, dass nur f\u00fcr<span class=\"_ _0\"></span> 3 Jahre wirtschaftlich sinnvolle Prognosen vorhan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>den sind. Folgende Tabelle zeigt die l\u00e4ndergewichteten makr<span class=\"_ _0\"></span>o\u00f6konomischen Faktor<span class=\"_ _0\"></span>en, die in die ECL<span class=\"_ _0\"></span>-Berechnung f\u00fcr<span class=\"_ _0\"></span> die Segmente<span class=\"_ _128\"> </span>Corporates, Retail und<span class=\"_ _0\"></span> SME per 31. Dezember 2022 eingehen:<span class=\"_ _0\"></span> <table class=\"s w2be h167\" id=\"_8ad42bd1-ccc2-43d2-aa90-bd2ce82c48a5\"><tr><td></td><td class=\"c x1d1 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1132 w61 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Normalszenario </div></td><td class=\"c x1d1 y1133 w2c0 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1136 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1136 w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,58% </div></td><td class=\"c x1d5 y1136 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,68% </div></td><td class=\"c x175 y1136 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,79% </div></td></tr><tr><td class=\"c x174 y1137 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1137 w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">10,26% </div></td><td class=\"c x1d5 y1137 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,40% </div></td><td class=\"c x175 y1137 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,00% </div></td></tr><tr><td class=\"c x174 y1138 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Pessimistisches Szenario </div></td><td class=\"c x1d4 y1138 w62 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1 </div></td><td class=\"c x1d5 y1138 w63 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2 </div></td><td class=\"c x175 y1138 w64 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3 </div></td></tr></table><table class=\"s w2be h169\" id=\"_87518d39-45d2-41d4-b642-e35a4b7afe88\"><tr><td></td><td class=\"c x1d1 y113a w2c0 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y113d w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y113d w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-1,37% </div></td><td class=\"c x1d5 y113d w63 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,06% </div></td><td class=\"c x175 y113d w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,19% </div></td></tr><tr><td class=\"c x174 y113e w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y113e w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">11,84% </div></td><td class=\"c x1d5 y113e w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">4,10% </div></td><td class=\"c x175 y113e w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,69% </div></td></tr></table><table class=\"s w2c4 h16c\" id=\"_ce8e6a33-5e60-4ef0-9255-687fe61fd960\"><tr><td></td><td class=\"c x1d1 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1140 w65 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Optimistisches Szenario </div></td><td class=\"c x1d1 y1141 w2c0 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1143 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1143 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,20% </div></td><td class=\"c x1d5 y1143 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,15% </div></td><td class=\"c x1d7 y1143 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,40% </div></td></tr><tr><td class=\"c x174 y1144 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1144 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">6,81% </div></td><td class=\"c x1d5 y1144 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,38% </div></td><td class=\"c x1d7 y1144 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,52% </div></td></tr></table>Verlustquote bei Ausfall (LGD/<span class=\"_ _0\"></span>Loss Given Default)<span class=\"_ _128\"> </span>Die Verlustquote bei Au<span class=\"_ _0\"></span>sfall entspricht jenem Anteil des Forderungsvolumens,<span class=\"_ _0\"></span> der im Rahmen eines Ausfalls nicht wieder-<span class=\"_ _128\"> </span>eingebracht werden kann<span class=\"_ _0\"></span> und stellt somit den w<span class=\"_ _0\"></span>irtschaftlichen Verlust dar. Die LGD w<span class=\"_ _0\"></span>ird unterteilt in eine LGD aus besicher-<span class=\"_ _128\"> </span>ten Kreditteilen und ein<span class=\"_ _0\"></span>e LGD aus unbesicherten Kreditteilen. Die LGD aus <span class=\"_ _0\"></span>besicherten Kreditteilen h\u00e4ngt von der Sicherh<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>tenart und einer etwaigen Wertentw<span class=\"_ _0\"></span>icklung/Abschreibung im<span class=\"_ _0\"></span> Zeitverlauf ab. Je nach<span class=\"_ _0\"></span> Entwicklung des Exposures im Zeitab-<span class=\"_ _128\"> </span>lauf sowie der Entwicklung d<span class=\"_ _0\"></span>er Sicherheiten ergeben sich im Zeitverlauf so<span class=\"_ _0\"></span>mit effektive LGDs je Laufzeitenband.<span class=\"_ _0\"></span> LGD besichert<span class=\"_ _128\"> </span>F\u00fcr die Berechnung d<span class=\"_ _0\"></span>es Expected Credit Loss werden s\u00e4mtliche internen<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Sicherheiten anhand von Deckungswerten ange-<span class=\"_ _128\"> </span>setzt. Der Unterschied zwischen d<span class=\"_ _0\"></span>em Marktwert und dem Deckungsw<span class=\"_ _0\"></span>ert der Sicherheit entspricht einem Haircut f\u00fcr Sch\u00e4t<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>zunsicherheiten und Wert<span class=\"_ _0\"></span>schwankungen und kann<span class=\"_ _0\"></span> somit implizit als LGD f\u00fcr den besicherten Kreditt<span class=\"_ _1\"></span>eil interpretiert werden.<span class=\"_ _128\"> </span>In der Berechnung des erw<span class=\"_ _0\"></span>arteten Kreditverlusts kommt es daher zu einem impliziten Splitting d<span class=\"_ _0\"></span>es Kredits in besicherte und<span class=\"_ _128\"> </span>unbesicherte Teile. Der besichert<span class=\"_ _0\"></span>e Teil hat demnach nach Ber\u00fccksichtigung der Deckun<span class=\"_ _0\"></span>gswerte einen LGD von 0<span class=\"_ _1\"></span> %, der un-<span class=\"_ _128\"> </span>besicherte Kreditteil erh\u00e4lt<span class=\"_ _0\"></span> die Blanko LGD je nach Segment. F\u00fchrt man<span class=\"_ _0\"></span> die beiden Kreditteile zusammen ergibt sich eine Ar<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span>\u201eMisch\u201c<span class=\"ff4\">-LGD je Laufzeitband<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span></span>LGD unbesichert<span class=\"_ _128\"> </span>Der unbesicherte LGD stellt somit die Nicht<span class=\"_ _0\"></span>-Wiedereinbringungsqu<span class=\"_ _0\"></span>ote nach Abzug von Sicherheitenerl\u00f6s<span class=\"_ _0\"></span>en dar und ist in<span class=\"_ _128\"> </span>erster Linie von Erl\u00f6sen abh\u00e4n<span class=\"_ _0\"></span>gig, die aus der Betreibung und/oder Masseerl\u00f6sen r<span class=\"_ _0\"></span>esultieren.<span class=\"_ _128\"> </span>Forderungswert bei Ausfall (EAD/E<span class=\"_ _0\"></span>xposure at <span class=\"_ _0\"></span>Default)<span class=\"_ _128\"> </span>F\u00fcr Kredite mit bestimmter Kapitalf\u00e4lligkeit findet d<span class=\"_ _0\"></span>ie Cashflow-Sch\u00e4tzu<span class=\"_ _0\"></span>ng anhand d<span class=\"_ _0\"></span>er vertraglichen Tilgungsstruktur statt.<span class=\"_ _128\"> </span>S\u00e4mtliche Cashflows werden<span class=\"_ _0\"></span> durch die Gesch\u00e4ftsmerkmale (Saldo, H\u00f6<span class=\"_ _0\"></span>he Ratenzahlung, Tilgungsfrequenz, Zinszah<span class=\"_ _0\"></span>lungsinter-<span class=\"_ _128\"> </span>vall, Referenzzinss\u00e4tze, F\u00e4lligkeit) s<span class=\"_ _0\"></span>owie aktuelle Marktdaten (Wechselkurse sowie Markt<span class=\"_ _0\"></span>zinss\u00e4tze) bestimmt. Cashflows aus<span class=\"_ _128\"> </span>Zinszahlungen werden d<span class=\"_ _0\"></span>abei aus den in den Zinskurven implizierten Terminzinsen abgeleitet.<span class=\"_ _1\"></span> Revolvierende Kredite weisen keine vert<span class=\"_ _0\"></span>raglich bas<span class=\"_ _0\"></span>ierten Cashflows auf. Daher ist<span class=\"_ _0\"></span> eine explizite Cashflowsch\u00e4tzun<span class=\"_ _0\"></span>g mittels<span class=\"_ _128\"> </span>Replikationsmodellen notw<span class=\"_ _0\"></span>endig. In der Oberbank AG <span class=\"_ _0\"></span>liegen Kredite vor, die hinsichtlich der Laufzeit b. a. w. ab<span class=\"_ _0\"></span>geschlossen werden. Im Rahmen d<span class=\"_ _0\"></span>er j\u00e4hrlichen<span class=\"_ _128\"> </span>Kreditpr\u00fcfung wird d<span class=\"_ _0\"></span>as Kreditverh\u00e4ltnis neu beurteilt und gegebenenfalls eine Anp<span class=\"_ _0\"></span>assung der Kond<span class=\"_ _0\"></span>itionen im Hinblick auf<span class=\"_ _128\"> </span>die Ver\u00e4nderung der Kr<span class=\"_ _0\"></span>editqualit\u00e4t vorgenommen. Diese Kredite sind jed<span class=\"_ _0\"></span>erzeit k\u00fcndbar. Hinsichtlich der Laufzeit wird dah<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>angenommen, dass d<span class=\"_ _0\"></span>iese ein Jahr b<span class=\"_ _0\"></span>etr\u00e4gt, da jedes Jahr eine erneute Entscheidun<span class=\"_ _0\"></span>g \u00fcber die Verl\u00e4ngerung des Kredits ge-<span class=\"_ _128\"> </span>troffen w<span class=\"_ _0\"></span>ird. Die Oberbank AG ist damit dem Kreditrisiko maximal ein Jahr ausgesetzt.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Bei Kreditrahmen wird zun\u00e4chst jener T<span class=\"_ _0\"></span>eil berechnet, der derzeit nicht ausgen\u00fctzt wir<span class=\"_ _1\"></span>d. Hierbei wird der Kreditsaldo vom<span class=\"_ _128\"> </span>Rahmen abgezogen. Dieser nicht a<span class=\"_ _0\"></span>usgen\u00fctzte Kreditrahmen bleibt in weiterer Folge \u00fcber die gesamte Kreditlaufzeit kon<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>stant. Es wird dabei f\u00fcr<span class=\"_ _0\"></span> die Berechnung des Exposure at Default (EAD<span class=\"_ _0\"></span>) durchgehend ein Kreditkonversionsf<span class=\"_ _1\"></span>aktor zu Grunde<span class=\"_ _128\"> </span>gelegt. Die F\u00e4lligkeit des Kreditrahmens kor<span class=\"_ _0\"></span>respondiert dabei immer mit der Laufzeit des Kredit<span class=\"_ _0\"></span>s.<span class=\"_ _0\"></span> Entwicklung der Risikovorsorge im Lebendgesch\u00e4ft<span class=\"_ _0\"></span> Im Vergleich zum Jahresanfang steigt d<span class=\"_ _0\"></span>er Betrag der gebildeten Wertberichtigung im Lebendges<span class=\"_ _1\"></span>ch\u00e4ft (Stufe 1 und Stufe 2)<span class=\"_ _128\"> </span>um Euro 8,11 Mio. Euro.<span class=\"_ _128\"> </span>Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span>Ein gro\u00dfer Treiber f\u00fcr die H\u00f6h<span class=\"_ _0\"></span>e des Expected Credit Loss ist die Stufenbest<span class=\"_ _0\"></span>immung der einzelnen Positionen. Diese resultiert<span class=\"_ _128\"> </span>aus den bereits beschriebenen<span class=\"_ _0\"></span> qualitativen und quantitati<span class=\"_ _0\"></span>ven Stagingkriterien. Nachfolgend werden<span class=\"_ _0\"></span> die Auswirkungen auf<span class=\"_ _128\"> </span>den Expected Credit<span class=\"_ _0\"></span> Loss unter der Annahme, dass alle Positionen einerseits der Stu<span class=\"_ _0\"></span>fe 1 (12<span class=\"_ _0\"></span>-Monats-ECL) u<span class=\"_ _0\"></span>nd andererseits<span class=\"_ _128\"> </span>der Stufe 2 (Lifetime-ECL) zuge<span class=\"_ _0\"></span>wiesen werden, ausgewiesen. <span class=\"_ _0\"></span> Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table>Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Sc<span class=\"_ _0\"></span>hulden<span class=\"_ _128\"> </span>Finanzielle Verbindlichkeiten werden in<span class=\"_ _0\"></span> der Regel zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten bewertet, sofern nicht eine <span class=\"_ _1\"></span> Zuordnung zum Hand<span class=\"_ _0\"></span>elsbestand oder eine Designierun<span class=\"_ _0\"></span>g erfolgt. Solche finanziellen Verbindlichkeiten werden der Kat<span class=\"_ _0\"></span>egorie<span class=\"_ _128\"> </span>erfolgswirksam zum beizulegen<span class=\"_ _0\"></span>den Zeitwert zu<span class=\"_ _0\"></span>gerechnet. Ver\u00e4nderungen des beizulegenden Zeitwerts w<span class=\"_ _0\"></span>erden wie folgt <span class=\"_ _0\"></span> erfasst:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die Ver\u00e4nderung des beizulegend<span class=\"_ _0\"></span>en Zeitwerts, die auf \u00c4nd<span class=\"_ _0\"></span>erungen des Kreditrisikos der Schuld zur\u00fcckzuf\u00fchren ist, wird<span class=\"_ _128\"> </span></span></span>im sonstigen Ergebn<span class=\"_ _0\"></span>is dargestellt.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die verbleibende Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts wird im Gewinn oder V<span class=\"_ _0\"></span>erlust dargestellt.<span class=\"_ _128\"> </span></span></span>Die Klassifizierung finanzieller Verbind<span class=\"_ _0\"></span>lichkeiten zur erfolgswirksamen Bewertung zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert findet immer<span class=\"_ _128\"> </span>dann statt, wenn diese Finan<span class=\"_ _0\"></span>zinstrumente mittels Zinsd<span class=\"_ _0\"></span>erivaten abgesichert werden, um eine Bewertungsin<span class=\"_ _0\"></span>kongruenz <span class=\"_ _0\"></span> zwischen Grundgesch\u00e4ft u<span class=\"_ _0\"></span>nd Derivat weitestgehend zu vermeiden (Fair Valu<span class=\"_ _0\"></span>e Option)<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Die Berechnung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts f\u00fcr verbriefte Verbindlichkeiten, Nac<span class=\"_ _0\"></span>hrangkap<span class=\"_ _0\"></span>ital und Verbindlichkeiten gegen-<span class=\"_ _128\"> </span>\u00fcber Banken und Kunden erfo<span class=\"_ _0\"></span>lgt nach der Barwertmethode (Discounted Cashflow M<span class=\"_ _0\"></span>ethode), wobei die Ermittlung der <span class=\"_ _1\"></span>Cash-<span class=\"_ _128\"> </span>flows der eigenen Emissionen auf Basis d<span class=\"_ _0\"></span>es Vertragszinssatzes erfolgt. Zur<span class=\"_ _0\"></span> Abzinsung wird die der W\u00e4h<span class=\"_ _1\"></span>rung entsprechende<span class=\"_ _128\"> </span>Diskontkurve herangezogen, wobei ein der Senior<span class=\"_ _0\"></span>it\u00e4t der Verbindlichkeit entsprechender Bonit\u00e4t<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-Spread der Ban<span class=\"_ _0\"></span>k als Aufschlag verwendet<span class=\"_ _0\"></span> wird. Die Bonit\u00e4tsaufschl\u00e4ge werden r<span class=\"_ _0\"></span>egelm\u00e4\u00dfig an die jeweiligen Marktgegebenheiten angepasst.<span class=\"_ _128\"> </span> <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>Um die H\u00f6he der \u00c4nderun<span class=\"_ _0\"></span>g des beizulegenden Zeitwerts, der auf \u00c4n<span class=\"_ _0\"></span>derungen des Bonit\u00e4tsrisikos zur\u00fcckzuf\u00fchren ist, ermit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>teln zu k\u00f6nnen, w<span class=\"_ _0\"></span>ird die finanzielle Verbindlichkeit zweifach bewertet, ein<span class=\"_ _0\"></span>erseits auf Basis der Bonit\u00e4tsaufschl\u00e4ge zum Start<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>datum des Finan<span class=\"_ _0\"></span>zinstruments und andererseits auf Bas<span class=\"_ _0\"></span>is der Bonit\u00e4tsaufschl\u00e4ge zum Bilanzstichtag, jeweils bewert<span class=\"_ _0\"></span>et mit<span class=\"_ _128\"> </span>den aktuellen vertraglichen Cash<span class=\"_ _0\"></span>flows und der aktuellen Basis<span class=\"_ _0\"></span>-Zinskurve. D<span class=\"_ _0\"></span>er Unterschiedsbetrag stellt dabei die Wert\u00e4nde-<span class=\"_ _128\"> </span>rung dar, die auf \u00c4nderun<span class=\"_ _0\"></span>gen der Bonit\u00e4tseinsch\u00e4tzun<span class=\"_ _0\"></span>g der Bank zur\u00fcckzuf\u00fchren ist. Dieser Betrag wird im sonst<span class=\"_ _0\"></span>igen Ergebnis erfasst. Die restliche Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>ist dabei auf \u00c4nderungen in der <span class=\"_ _0\"></span> Zinsstrukturkurve sowie au<span class=\"_ _0\"></span>f die Restlaufzeitenverk\u00fcrzung zur\u00fcckz<span class=\"_ _0\"></span>uf\u00fchren un<span class=\"_ _0\"></span>d wird erfolgswirksam in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung dargestellt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Bilanzierung von Sich<span class=\"_ _0\"></span>erungsgesch\u00e4ften<span class=\"_ _128\"> </span>Derzeit wird kein Hedge Account<span class=\"_ _0\"></span>ing in der Oberbank AG durchgef\u00fchrt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Sonstiger betrieblicher Erfolg<span class=\"_ _128\"> </span>Im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg werden die Ergebnisse von finanziellen Verm\u00f6genswerten a<span class=\"_ _0\"></span>us den Bewertungskategorien<span class=\"_ _128\"> </span>finanzielle Verm\u00f6genswerte zu fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffu<span class=\"_ _0\"></span>ngskosten (AC), finanzielle Verm\u00f6genswerte zu<span class=\"_ _0\"></span>m beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust (FV/PL) sow<span class=\"_ _0\"></span>ie finanzielle Verm\u00f6genswerte zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen<span class=\"_ _128\"> </span>im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) ausgewiesen. Dar\u00fcber hinaus wer<span class=\"_ _0\"></span>den in<span class=\"_ _0\"></span> dieser Position auch Ertr\u00e4ge und Au<span class=\"_ _0\"></span>fwendungen aus<span class=\"_ _128\"> </span>operationellen Risiken, Operate Leasing od<span class=\"_ _0\"></span>er Aufwendungen aus so<span class=\"_ _0\"></span>nstigen Steuern und Abgaben erfasst. <span class=\"_ _1\"></span> Barreserve<span class=\"_ _128\"> </span>Als Barreserve werd<span class=\"_ _0\"></span>en der Kassenbestand und Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken ausgewiesen.<span class=\"_ _0\"></span> Forderungen an Kred<span class=\"_ _0\"></span>itinstitut<span class=\"_ _5\"></span>e <span class=\"_ _0\"></span> Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungskosten abz\u00fcglich Wertb<span class=\"_ _0\"></span>erichtigungen nach IFRS 9 angesetzt. <span class=\"_ _0\"></span> Forderungen an Kunden<span class=\"_ _0\"></span> Diese sind je nach Bewert<span class=\"_ _0\"></span>ungskategorie nach IFRS 9 mit den fortgef\u00fchrten A<span class=\"_ _0\"></span>nschaffungskosten (AC), designiert oder <span class=\"_ _0\"></span> verpflichtend zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust (FV/PL) oder zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit <span class=\"_ _0\"></span> Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis (FV/OCI) a<span class=\"_ _0\"></span>ngesetzt. Wertbericht<span class=\"_ _0\"></span>igungen nach IFRS 9 werden von d<span class=\"_ _0\"></span>er entsprechen-<span class=\"_ _128\"> </span>den Forderung ab<span class=\"_ _0\"></span>gesetzt. Ab dem Jahresabschluss 31.12.2022 werden d<span class=\"_ _0\"></span>ie Leasingforderungen netto, reduziert u<span class=\"_ _0\"></span>m Mietson-<span class=\"_ _128\"> </span>derzahlungen und<span class=\"_ _0\"></span> Depotzahlungen (Effekt 2022: \u20ac 173 Mio.) dargestellt. Di<span class=\"_ _1\"></span><span class=\"ff4\">es f\u00fchrt auch zur Reduzierung der Son<span class=\"_ _0\"></span>stigen Pas-<span class=\"_ _128\"> </span></span>siva in identer H\u00f6he.<span class=\"_ _128\"> </span>Risikovorsorgen<span class=\"_ _128\"> </span>Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch<span class=\"_ _128\"> </span>die Struktur und Qualit\u00e4t der Kreditp<span class=\"_ _0\"></span>ortfolios best<span class=\"_ _0\"></span>immt. Zum Wertminderun<span class=\"_ _0\"></span>gsmodell nach IFRS 9 sei auf 2.8) Finanzielle <span class=\"_ _0\"></span>Verm\u00f6gensw<span class=\"_ _0\"></span>erte und Verpflichtungen sow<span class=\"_ _0\"></span>ie Sicherungsbe-<span class=\"_ _128\"> </span>ziehungen verwiesen. Der Gesamtbetr<span class=\"_ _0\"></span>ag der Risikovorsorgen wird seit dem Gesch\u00e4ftsjahr 2020 nicht meh<span class=\"_ _0\"></span>r als eigener <span class=\"_ _0\"></span>Bi-<span class=\"_ _128\"> </span>lanzposten auf der A<span class=\"_ _0\"></span>ktivseite der Bilanz ausgewiesen, sondern gem\u00e4\u00df IAS 1 von den<span class=\"_ _0\"></span> entsprechenden Bilanzposten gek\u00fcrzt.<span class=\"_ _128\"> </span>Die Risikovorsorgen f\u00fcr au\u00dferb<span class=\"_ _0\"></span>ilanzielle Ge<span class=\"_ _5\"></span>sch\u00e4fte (insb<span class=\"_ _0\"></span>esondere Haftungen und G<span class=\"_ _0\"></span>arantien sowie sonstige Kreditzusagen)<span class=\"_ _128\"> </span>sind im Bilanzpo<span class=\"_ _0\"></span>sten R\u00fcckstellungen enthalten.<span class=\"_ _128\"> </span>Handelsaktiva<span class=\"_ _128\"> </span>Alle Handelsaktiva, das s<span class=\"_ _0\"></span>ind Wertpapiere des Handelsbestands sowie posit<span class=\"_ _0\"></span>ive Marktwerte aus derivativen Finanzinst<span class=\"_ _0\"></span>rumen-<span class=\"_ _128\"> </span>ten des Handelsbuchs u<span class=\"_ _0\"></span>nd offenen derivativen Finanzinstru<span class=\"_ _0\"></span>menten des Bankbuchs, werden mit <span class=\"_ _1\"></span>ihren Marktwerten ausge-<span class=\"_ _128\"> </span>wiesen. F\u00fcr die Ermittlun<span class=\"_ _0\"></span>g werden neben B\u00f6rsenkursen auch marktnahe Bewertungsku<span class=\"_ _0\"></span>rse herangezogen. Sind derart<span class=\"_ _0\"></span>ige<span class=\"_ _128\"> </span>Kurse nicht vorhand<span class=\"_ _0\"></span>en werden anerkannte Bewertungsmodelle verwend<span class=\"_ _0\"></span>et.<span class=\"_ _128\"> </span>Finanzanlagen<span class=\"_ _128\"> </span>Unter den Finanzan<span class=\"_ _0\"></span>lagen werden folgende Finanzinst<span class=\"_ _0\"></span>rumente ausgewiesen: Schuldverschreibu<span class=\"_ _0\"></span>ngen und andere festverzins-<span class=\"_ _128\"> </span>liche Wertpapiere, Aktien und and<span class=\"_ _0\"></span>ere nicht festverzinsliche Wertpapiere, Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, Anteile an<span class=\"_ _128\"> </span>at Equity bewertet<span class=\"_ _0\"></span>en Unternehmen, sonstige Beteiligungen.<span class=\"_ _0\"></span> Die Finanzanlagen umfassen d<span class=\"_ _0\"></span>abei die Bewertungskategorien zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten (AC), zu<span class=\"_ _0\"></span>m beizulegenden<span class=\"_ _128\"> </span>Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL), zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/OCI)<span class=\"_ _128\"> </span>sowie die Anteile an a<span class=\"_ _0\"></span>t Equity-Unternehmen. Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpapiere werden entwed<span class=\"_ _0\"></span>er zu fortgef\u00fchrten Anschaffungsko<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span>(AC), zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) oder zum beizulegenden Zeitwert<span class=\"_ _0\"></span> i<span class=\"_ _0\"></span><span class=\"ls1f\">m </span> Gewinn oder Verlust (FV/PL) zugeordnet<span class=\"_ _0\"></span>.  <span class=\"_ _7\"> </span> Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsliche Wertpapiere werden zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn o<span class=\"_ _0\"></span>der Verlust (FV/PL)<span class=\"_ _128\"> </span>oder zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) bewertet.<span class=\"_ _128\"> </span>Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen und Beteiligungen, die weder vollkon<span class=\"_ _0\"></span>solidiert noch at Equity bewertet w<span class=\"_ _0\"></span>erden, wer-<span class=\"_ _128\"> </span>den unter der Bewertungskat<span class=\"_ _0\"></span>egorie zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) oder<span class=\"_ _128\"> </span>zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im Gewinn oder Verlust (FV/PL) erfasst. In<span class=\"_ _0\"></span> der Bewertungskategorie zum beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust werden nur jene Anteile an verbun<span class=\"_ _0\"></span>denen Unternehmen und Beteiligungen erfasst,<span class=\"_ _0\"></span> die zum<span class=\"_ _128\"> </span>Marktwert gesteuert werden. Dies trifft v<span class=\"_ _0\"></span>or allem auf An<span class=\"_ _0\"></span>teile an Private Equity Fonds zu<span class=\"_ _0\"></span>. F\u00fcr alle anderen Anteile an verbun-<span class=\"_ _128\"> </span>denen Unternehmen und<span class=\"_ _0\"></span> Beteiligungen wurde das Wah<span class=\"_ _0\"></span>lrecht in Anspruch genommen und<span class=\"_ _0\"></span> diese der Bewertungskategorie<span class=\"_ _128\"> </span>zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _1\"></span>OCI) zugeordnet.<span class=\"_ _128\"> </span>In Gesch\u00e4ftsjahr 2022 fand<span class=\"_ _0\"></span>en keine Umwidmungen zwischen den Bewertu<span class=\"_ _0\"></span>ngskategorien statt.<span class=\"_ _0\"></span> Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass ist bei Schuldtiteln dann gegeben, wenn<span class=\"_ _0\"></span> der Marktwert um mindestens 20 % unter die <span class=\"_ _0\"></span> Anschaffungskosten d<span class=\"_ _0\"></span>es Schuldtitels sinkt<span class=\"_ _0\"></span> und dies dauerhaft \u00fcber einen Zeitraum von n<span class=\"_ _0\"></span>eun Monaten der Fall ist. In der<span class=\"_ _128\"> </span>Folge wird gepr\u00fcft, ob ein Ereignis eingetreten<span class=\"_ _0\"></span> ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungsstr\u00f6me aus dem Schuld-<span class=\"_ _128\"> </span>titel hat und sich verl\u00e4sslich sch\u00e4t<span class=\"_ _0\"></span>zen l\u00e4sst. Wir<span class=\"_ _0\"></span>d festgestellt, dass bei diesem Schuldtitel innerhalb d<span class=\"_ _0\"></span>er geplanten Behaltefrist<span class=\"_ _128\"> </span>eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten nicht zu erwart<span class=\"_ _0\"></span>en ist (Ausschluss von Marktschwankungen), liegt Impair-<span class=\"_ _128\"> </span>ment vor.<span class=\"_ _128\"> </span>Anteile an at Equity b<span class=\"_ _0\"></span>ewerteten Unternehmen w<span class=\"_ _0\"></span>erden mit dem der Oberbank AG zustehenden ant<span class=\"_ _0\"></span>eiligen Eigenkapital des<span class=\"_ _128\"> </span>Beteiligungsunternehmens <span class=\"_ _0\"></span>angesetzt. Wenn objektive Hinweise f\u00fcr eine Wertmind<span class=\"_ _0\"></span>erung bei einer at Equity bewerteten Be-<span class=\"_ _128\"> </span>teiligung vorliegen, wird f\u00fcr d<span class=\"_ _0\"></span>iese Beteilig<span class=\"_ _5\"></span>ung ein individu<span class=\"_ _0\"></span>eller Nutz<span class=\"_ _0\"></span>ungswert (Valu<span class=\"_ _0\"></span>e in Use) ermittelt. Der h\u00f6here Wert aus<span class=\"_ _128\"> </span>beizulegendem Zeitwert ab<span class=\"_ _0\"></span>z\u00fcglich der Verkaufskosten und Nutzungswert stellt d<span class=\"_ _0\"></span>en erzielbaren Betrag gem\u00e4\u00df IAS 36.6 dar<span class=\"_ _128\"> </span>und dieser ist f\u00fcr die Bewertung heranzu<span class=\"_ _0\"></span>ziehen. Der Anlass f\u00fcr eine Impairment<span class=\"_ _0\"></span>-Pr<span class=\"_ _0\"></span>\u00fcfung ist gegeben, wenn<span class=\"_ _0\"></span> entweder der<span class=\"_ _128\"> </span>Marktwert um mindesten<span class=\"_ _0\"></span>s 20 % unter den At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert sinkt oder wenn der Marktwert dauerhaft min<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>destens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von 9 Monaten unter dem At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert liegt.<span class=\"_ _128\"> </span>Zum Bewertungssticht<span class=\"_ _0\"></span>ag 31.12.2022 war der qu<span class=\"_ _0\"></span>antitative Impairment Trigger bei der at Equity bewerteten Beteiligung an<span class=\"_ _0\"></span> der voestalpine AG ausgel\u00f6st<span class=\"_ _0\"></span>, da der B\u00f6rsenkurs am 31.12.2022 mit \u20ac 24,78 signifikant<span class=\"_ _0\"></span> um 41,28 % unter den at Equity<span class=\"_ _1\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span>Buchkurs in H\u00f6he von \u20ac 42,20 gefallen i<span class=\"_ _0\"></span><span class=\"ff4\">st. </span>Damit wurde eine Wertminderungsp<span class=\"_ _0\"></span>r\u00fcfung ausgel\u00f6st, bei der der individuelle Nutzungsw<span class=\"_ _0\"></span>ert (Value in Use) der voestalpine<span class=\"_ _128\"> </span>AG zum 31.12.2022 ermittelt wu<span class=\"_ _0\"></span>rde. Der Nutzungswert wurde nach dem Discou<span class=\"_ _0\"></span>nted Cash Flow Verfahren unter Anwendun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>des WACC-Ansatzes (gewogene<span class=\"_ _0\"></span> durchschnittliche Kap<span class=\"_ _0\"></span>italkosten) berechnet und ergab einen Wert in H\u00f6he von 551.247 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Euro. Dieser Wert wurde als erzielbarer Betrag als h<span class=\"_ _0\"></span>\u00f6herer Wert aus dem Vergleich zwischen Nut<span class=\"_ _0\"></span>zungswert und beizulegen-<span class=\"_ _128\"> </span>dem Zeitwert abz\u00fcglich Verkau<span class=\"_ _0\"></span>fskosten h<span class=\"_ _0\"></span>erangezogen, was zu einem Wertminderungsaufw<span class=\"_ _0\"></span>and in H\u00f6he von 54.640 Tsd.<span class=\"_ _128\"> </span>Euro f\u00fchrte. Als Diskontierungszinssatz wurd<span class=\"_ _0\"></span>e im Terminal Value ein WACC (Weighted Average Cost<span class=\"_ _0\"></span> of Capital) von 7,07 %<span class=\"_ _128\"> </span>herangezogen. Eine \u00c4nd<span class=\"_ _0\"></span>erung des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 25 Basispun<span class=\"_ _0\"></span>kte h\u00e4tte eine Reduzierung um 5,98 % b<span class=\"_ _0\"></span>zw.<span class=\"_ _128\"> </span>Erh\u00f6hung des Nut<span class=\"_ _0\"></span>zungswertes um 6,53 % und eine \u00c4nderun<span class=\"_ _0\"></span>g des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 50 Bas<span class=\"_ _0\"></span>ispunkte h\u00e4tt<span class=\"_ _0\"></span>e eine<span class=\"_ _128\"> </span>Reduzierung um 11,48 %<span class=\"_ _0\"></span> bzw. Erh\u00f6hung des Nutzungswertes um 13,69 % zu<span class=\"_ _0\"></span>r Folge. <span class=\"_ _0\"></span> Bei den <span class=\"lsd\">at</span>-Equ<span class=\"_ _0\"></span>ity bewerteten Beteiligungen an der BKS Bank AG und<span class=\"_ _0\"></span> der Bank f\u00fcr Tirol und Vorarlberg AG l\u00f6st der B\u00f6rsen-<span class=\"_ _128\"> </span>kurs aufgrund der Illiquidit\u00e4t d<span class=\"_ _0\"></span>er Aktien keinen Impairment<span class=\"_ _0\"></span>-Trigger aus. Sofern nicht s<span class=\"_ _0\"></span>onstige objektive Hinweise f\u00fcr eine<span class=\"_ _128\"> </span>Wertminderung vorliegen, st<span class=\"_ _0\"></span>ellt das anteilige Eigenkapital dieser Beteiligungen den<span class=\"_ _0\"></span> erzielbaren Betrag dar. Aus Gr\u00fcnden<span class=\"_ _0\"></span> der<span class=\"_ _128\"> </span>Sorgfalt erfolgt eine indikat<span class=\"_ _0\"></span>ive Bewertung dieser Wertans\u00e4tze auf Basis eines Dividend<span class=\"_ _1\"></span>-Discount Models (DDM) zum Bilanz-<span class=\"_ _128\"> </span>stichtag. Der Unternehmensw<span class=\"_ _0\"></span>ert wird<span class=\"_ _0\"></span> hier unter Ber\u00fccksichtigung der m\u00f6glichen zuk\u00fcnftigen Untern<span class=\"_ _0\"></span>ehmensergebnisse und<span class=\"_ _128\"> </span>notwendiger regulatorischer E<span class=\"_ _0\"></span>igenmittelerfordernisse als Barwert ermittelt.<span class=\"_ _0\"></span> Die Sch\u00e4tzungen der zuk\u00fcnft<span class=\"_ _0\"></span>igen Ergebnisse beruhen auf d<span class=\"_ _0\"></span>er vom jeweiligen Aufsichtsrat genehmigten<span class=\"_ _0\"></span> Mit<span class=\"_ _0\"></span>telfristplanung.<span class=\"_ _128\"> </span>Die Herleitung des Abzinsun<span class=\"_ _0\"></span>gsfaktors erfolgt auf Basis von extern beobachtbaren Fakt<span class=\"_ _0\"></span>oren. <span class=\"_ _0\"></span> Aus den indikativen<span class=\"_ _0\"></span> Bewertungen w\u00fcrde auch bei ausgel\u00f6st<span class=\"_ _0\"></span>em Impairment<span class=\"_ _0\"></span>-Trigger kein Wertminderungserfordernis <span class=\"_ _0\"></span> resultieren. <span class=\"_ _7\"> </span> Derivate<span class=\"_ _128\"> </span>Finanzderivate werden in d<span class=\"_ _0\"></span>er Bilanz mit ihrem Fair Value angesetzt, w<span class=\"_ _0\"></span>obei Wert\u00e4nderungen des Gesch\u00e4ftsjah<span class=\"_ _1\"></span>res grunds\u00e4tz-<span class=\"_ _128\"> </span>lich sofort erfolgswirksa<span class=\"_ _0\"></span>m in der Gewinn- und<span class=\"_ _0\"></span> Verlust-Rechnung erfasst werden. Soweit die Fair<span class=\"_ _0\"></span>-Value-Option gem\u00e4\u00df IFRS 9<span class=\"_ _128\"> </span>in Anspruch genommen w<span class=\"_ _0\"></span>ird, dient sie der Vermeidung bzw. der Beseitigung von Inkongru<span class=\"_ _0\"></span>enzen beim Ansatz und bei der <span class=\"_ _1\"></span> Bewertung von V<span class=\"_ _0\"></span>erm\u00f6genswerten und Verbindlichkeiten. Dementsprechend<span class=\"_ _0\"></span> werden in diesem Fall Verm\u00f6genswerte und<span class=\"_ _128\"> </span>Verbindlichkeiten erfolgswirksam mit d<span class=\"_ _0\"></span>em Fair Value bewertet. Der Vorstand h<span class=\"_ _0\"></span>at eine Investmentstrategie beschlossen, in<span class=\"_ _128\"> </span>der diese Vorgangsweise festgeha<span class=\"_ _0\"></span>lten wurde, n\u00e4mlich Inkon<span class=\"_ _0\"></span>gruenzen durch die Anwendung der Fair<span class=\"_ _0\"></span>-Value-Option zu<span class=\"_ _0\"></span> ver-<span class=\"_ _128\"> </span>meiden.<span class=\"_ _128\"> </span>Handelspassiva<span class=\"_ _128\"> </span>In diesem Posten w<span class=\"_ _0\"></span>erden insbesondere negative Marktwerte aus derivativen Finan<span class=\"_ _0\"></span>zinstru<span class=\"_ _0\"></span>menten des Hand<span class=\"_ _0\"></span>elsbuchs und aus<span class=\"_ _128\"> </span>offenen derivativen Finanzinst<span class=\"_ _0\"></span>rumenten des Bankbuchs ausgewiesen. Die Hand<span class=\"_ _0\"></span>elspassiva werden im Bilanzpost<span class=\"_ _0\"></span>en Sonstige<span class=\"_ _128\"> </span>Passiva ausgewiesen.<span class=\"_ _128\"> </span>Verbindlichkeiten gegen\u00fc<span class=\"_ _0\"></span>ber Kreditinstituten und Kunden<span class=\"_ _0\"></span> Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungsko<span class=\"_ _0\"></span>sten angesetzt. Ausnahmen sind Grun<span class=\"_ _0\"></span>dgesch\u00e4fte, f\u00fcr die die Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Option in Anspruch geno<span class=\"_ _0\"></span>mmen wird.<span class=\"_ _128\"> </span>Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> Verbriefte Verbindlichkeiten werd<span class=\"_ _0\"></span>en grunds\u00e4tzlich mit den fortgef\u00fchrt<span class=\"_ _0\"></span>en Anschaffungskosten bilanziert. S<span class=\"_ _1\"></span>oweit die Fair-<span class=\"_ _128\"> </span>Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird, werden die verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten mit dem Fair Value bilanziert<span class=\"_ _0\"></span>. Langfris-<span class=\"_ _128\"> </span>tige, abgezinst begebene Schuldverschreibungen (Nu<span class=\"_ _0\"></span>llkuponanleihen) werden mit dem Barwert b<span class=\"_ _0\"></span>ilanziert. Der Betrag der<span class=\"_ _128\"> </span>verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten wird um die Anschaffungskosten der im Eigenbestand<span class=\"_ _0\"></span> befindlichen Emissionen gek\u00fcrzt.<span class=\"_ _0\"></span> Sonstige Passiva<span class=\"_ _128\"> </span>Im Posten Sonstige Passiva werden p<span class=\"_ _0\"></span>assive Rechnungsabgrenzungsposten, Verbind<span class=\"_ _0\"></span>lichkeiten, die im Vergleich zu den <span class=\"_ _1\"></span> R\u00fcckstellungen mit einem wesentlich h<span class=\"_ _0\"></span>\u00f6heren Grad an Sicherheit hinsichtlich der H\u00f6<span class=\"_ _0\"></span>he oder des <span class=\"_ _0\"></span>Zeitpunkt<span class=\"_ _0\"></span>s der Erf\u00fcllungs-<span class=\"_ _128\"> </span>verpflichtung ausgestattet sin<span class=\"_ _0\"></span>d, negative Marktwerte von geschlossenen Derivaten d<span class=\"_ _0\"></span>es Bankbuchs, sonstige Verpflichtun-<span class=\"_ _128\"> </span>gen, die keinem anderen Bilanzpo<span class=\"_ _0\"></span>sten zugeordnet werden k\u00f6nnen<span class=\"_ _0\"></span>, sow<span class=\"_ _0\"></span>ie Leasingverbindlichkeiten nach IFRS 16 ausgewi<span class=\"_ _0\"></span><span class=\"lsc\">e-<span class=\"_ _128\"> </span></span>sen. Von Leasingnehmern erhalt<span class=\"_ _0\"></span>ene Mietsonderzahlun<span class=\"_ _0\"></span>gen und Depotzahlungen werden ab dem Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 31.12.2022<span class=\"_ _128\"> </span>von den Leasingforderungen auf der Akt<span class=\"_ _0\"></span>ivseite abgezogen.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-422": {
   "value": "Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span>Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span>aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span>steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span>Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Sc<span class=\"_ _0\"></span>hulden<span class=\"_ _128\"> </span> Finanzielle Verbindlichkeiten werden in<span class=\"_ _0\"></span> der Regel zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten bewertet, sofern nicht eine <span class=\"_ _1\"></span> Zuordnung zum Hand<span class=\"_ _0\"></span>elsbestand oder eine Designierun<span class=\"_ _0\"></span>g erfolgt. Solche finanziellen Verbindlichkeiten werden der Kat<span class=\"_ _0\"></span>egorie<span class=\"_ _128\"> </span> erfolgswirksam zum beizulegen<span class=\"_ _0\"></span>den Zeitwert zu<span class=\"_ _0\"></span>gerechnet. Ver\u00e4nderungen des beizulegenden Zeitwerts w<span class=\"_ _0\"></span>erden wie folgt <span class=\"_ _0\"></span> erfasst:<span class=\"_ _128\"> </span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die Ver\u00e4nderung des beizulegend<span class=\"_ _0\"></span>en Zeitwerts, die auf \u00c4nd<span class=\"_ _0\"></span>erungen des Kreditrisikos der Schuld zur\u00fcckzuf\u00fchren ist, wird<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span>im sonstigen Ergebn<span class=\"_ _0\"></span>is dargestellt.<span class=\"_ _128\"> </span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die verbleibende Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts wird im Gewinn oder V<span class=\"_ _0\"></span>erlust dargestellt.<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span>Die Klassifizierung finanzieller Verbind<span class=\"_ _0\"></span>lichkeiten zur erfolgswirksamen Bewertung zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert findet immer<span class=\"_ _128\"> </span> dann statt, wenn diese Finan<span class=\"_ _0\"></span>zinstrumente mittels Zinsd<span class=\"_ _0\"></span>erivaten abgesichert werden, um eine Bewertungsin<span class=\"_ _0\"></span>kongruenz <span class=\"_ _0\"></span> zwischen Grundgesch\u00e4ft u<span class=\"_ _0\"></span>nd Derivat weitestgehend zu vermeiden (Fair Valu<span class=\"_ _0\"></span>e Option)<span class=\"_ _128\"> </span>Die Berechnung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts f\u00fcr verbriefte Verbindlichkeiten, Nac<span class=\"_ _0\"></span>hrangkap<span class=\"_ _0\"></span>ital und Verbindlichkeiten gegen-<span class=\"_ _128\"> </span>\u00fcber Banken und Kunden erfo<span class=\"_ _0\"></span>lgt nach der Barwertmethode (Discounted Cashflow M<span class=\"_ _0\"></span>ethode), wobei die Ermittlung der <span class=\"_ _1\"></span>Cash-<span class=\"_ _128\"> </span>flows der eigenen Emissionen auf Basis d<span class=\"_ _0\"></span>es Vertragszinssatzes erfolgt. Zur<span class=\"_ _0\"></span> Abzinsung wird die der W\u00e4h<span class=\"_ _1\"></span>rung entsprechende<span class=\"_ _128\"> </span> Diskontkurve herangezogen, wobei ein der Senior<span class=\"_ _0\"></span>it\u00e4t der Verbindlichkeit entsprechender Bonit\u00e4t<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-Spread der Ban<span class=\"_ _0\"></span>k als  Aufschlag verwendet<span class=\"_ _0\"></span> wird. Die Bonit\u00e4tsaufschl\u00e4ge werden r<span class=\"_ _0\"></span>egelm\u00e4\u00dfig an die jeweiligen Marktgegebenheiten angepasst.<span class=\"_ _128\"> </span>Um die H\u00f6he der \u00c4nderun<span class=\"_ _0\"></span>g des beizulegenden Zeitwerts, der auf \u00c4n<span class=\"_ _0\"></span>derungen des Bonit\u00e4tsrisikos zur\u00fcckzuf\u00fchren ist, ermit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>teln zu k\u00f6nnen, w<span class=\"_ _0\"></span>ird die finanzielle Verbindlichkeit zweifach bewertet, ein<span class=\"_ _0\"></span>erseits auf Basis der Bonit\u00e4tsaufschl\u00e4ge zum Start<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>datum des Finan<span class=\"_ _0\"></span>zinstruments und andererseits auf Bas<span class=\"_ _0\"></span>is der Bonit\u00e4tsaufschl\u00e4ge zum Bilanzstichtag, jeweils bewert<span class=\"_ _0\"></span>et mit<span class=\"_ _128\"> </span> den aktuellen vertraglichen Cash<span class=\"_ _0\"></span>flows und der aktuellen Basis<span class=\"_ _0\"></span>-Zinskurve. D<span class=\"_ _0\"></span>er Unterschiedsbetrag stellt dabei die Wert\u00e4nde-<span class=\"_ _128\"> </span>rung dar, die auf \u00c4nderun<span class=\"_ _0\"></span>gen der Bonit\u00e4tseinsch\u00e4tzun<span class=\"_ _0\"></span>g der Bank zur\u00fcckzuf\u00fchren ist. Dieser Betrag wird im sonst<span class=\"_ _0\"></span>igen  Ergebnis erfasst. Die restliche Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>ist dabei auf \u00c4nderungen in der <span class=\"_ _0\"></span> Zinsstrukturkurve sowie au<span class=\"_ _0\"></span>f die Restlaufzeitenverk\u00fcrzung zur\u00fcckz<span class=\"_ _0\"></span>uf\u00fchren un<span class=\"_ _0\"></span>d wird erfolgswirksam in der Gewinn<span class=\"_ _0\"></span>- und  Verlustrechnung dargestellt<span class=\"_ _128\"> </span>Sonstige Passiva<span class=\"_ _128\"> </span>Im Posten Sonstige Passiva werden p<span class=\"_ _0\"></span>assive Rechnungsabgrenzungsposten, Verbind<span class=\"_ _0\"></span>lichkeiten, die im Vergleich zu den <span class=\"_ _1\"></span> R\u00fcckstellungen mit einem wesentlich h<span class=\"_ _0\"></span>\u00f6heren Grad an Sicherheit hinsichtlich der H\u00f6<span class=\"_ _0\"></span>he oder des <span class=\"_ _0\"></span>Zeitpunkt<span class=\"_ _0\"></span>s der Erf\u00fcllungs-<span class=\"_ _128\"> </span>verpflichtung ausgestattet sin<span class=\"_ _0\"></span>d, negative Marktwerte von geschlossenen Derivaten d<span class=\"_ _0\"></span>es Bankbuchs, sonstige Verpflichtun-<span class=\"_ _128\"> </span>gen, die keinem anderen Bilanzpo<span class=\"_ _0\"></span>sten zugeordnet werden k\u00f6nnen<span class=\"_ _0\"></span>, sow<span class=\"_ _0\"></span>ie Leasingverbindlichkeiten nach IFRS 16 ausgewi<span class=\"_ _0\"></span><span class=\"lsc\">e-<span class=\"_ _128\"> </span></span>sen. Von Leasingnehmern erhalt<span class=\"_ _0\"></span>ene Mietsonderzahlun<span class=\"_ _0\"></span>gen und Depotzahlungen werden ab dem Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 31.12.2022<span class=\"_ _128\"> </span>von den Leasingforderungen auf der Akt<span class=\"_ _0\"></span>ivseite abgezogen.<span class=\"_ _0\"></span> Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> Verbriefte Verbindlichkeiten werd<span class=\"_ _0\"></span>en grunds\u00e4tzlich mit den fortgef\u00fchrt<span class=\"_ _0\"></span>en Anschaffungskosten bilanziert. S<span class=\"_ _1\"></span>oweit die Fair-<span class=\"_ _128\"> </span>Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird, werden die verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten mit dem Fair Value bilanziert<span class=\"_ _0\"></span>. Langfris-<span class=\"_ _128\"> </span>tige, abgezinst begebene Schuldverschreibungen (Nu<span class=\"_ _0\"></span>llkuponanleihen) werden mit dem Barwert b<span class=\"_ _0\"></span>ilanziert. Der Betrag der<span class=\"_ _128\"> </span>verbrieften Verb<span class=\"_ _0\"></span>indlichkeiten wird um die Anschaffungskosten der im Eigenbestand<span class=\"_ _0\"></span> befindlichen Emissionen gek\u00fcrzt.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-11": {
   "value": "Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span>Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span>aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span>steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span>Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> Unter Fair Value versteht man den Pr<span class=\"_ _0\"></span>eis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen<span class=\"_ _0\"></span> MarktteilnehmerInnen am Bi-<span class=\"_ _128\"> </span>lanzstichtag f\u00fcr den Verkauf eines Verm\u00f6gensw<span class=\"_ _0\"></span>erts eingenommen bzw. f\u00fc<span class=\"_ _0\"></span>r die \u00dcbertragung einer Schuld geza<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>lt werden<span class=\"_ _128\"> </span>w\u00fcrde. Bei der Bemessung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts wird davon<span class=\"_ _0\"></span> ausgegangen, dass der Gesch\u00e4ftsvorfall entweder au<span class=\"_ _0\"></span>f<span class=\"_ _128\"> </span>dem Hauptmarkt f\u00fcr<span class=\"_ _0\"></span> den Verm\u00f6genswert oder die Schuld stattfindet, oder auf d<span class=\"_ _0\"></span>em vorteilhaftesten Markt, sofern kein<span class=\"_ _128\"> </span>Hauptmarkt vorh<span class=\"_ _0\"></span>anden ist und sofern Zugang zu diesen M\u00e4r<span class=\"_ _0\"></span>kten besteht. Sofern es not<span class=\"_ _0\"></span>ierte Preise f\u00fcr idente Verm\u00f6gens-<span class=\"_ _128\"> </span>werte oder Schulden in aktiven M\u00e4rkt<span class=\"_ _0\"></span>en gibt, zu denen am Bilanzstichtag eine Zugangsm\u00f6glichkeit besteh<span class=\"_ _0\"></span>t, werden diese zur<span class=\"_ _128\"> </span>Bewertung herangezogen (Level 1)<span class=\"_ _0\"></span>. Sind keine derart<span class=\"_ _0\"></span>igen Marktpreise verf\u00fcgbar, kommen zur Fair Value Ermitt<span class=\"_ _0\"></span>lung Bewer-<span class=\"_ _128\"> </span>tungsmodelle zum Ein<span class=\"_ _0\"></span>satz, die auf direkt oder indirekt beobachtb<span class=\"_ _0\"></span>aren Parametern beruhen (Level 2). L\u00e4sst sich der Fair Va-<span class=\"_ _128\"> </span>lue weder anhand von Marktpreisen no<span class=\"_ _0\"></span>ch auf Basis v<span class=\"_ _0\"></span>on Bewertungsmod<span class=\"_ _0\"></span>ellen, die sich vollst\u00e4ndig auf direkt oder indirekt<span class=\"_ _128\"> </span>beobachtbare Marktd<span class=\"_ _0\"></span>aten st\u00fctzen, ermitteln, werden einzelne nicht am M<span class=\"_ _0\"></span>arkt beobachtbare Bewertungsparameter anhand<span class=\"_ _128\"> </span>angemessener Annahmen gesch\u00e4t<span class=\"_ _0\"></span>zt (Level 3). S\u00e4mtliche Bewer<span class=\"_ _0\"></span>tungen zum beizulegenden Zeit<span class=\"_ _0\"></span>wert betreffen regelm\u00e4\u00dfige<span class=\"_ _128\"> </span>Bewertungen. Es gab im Berichtszeitraum keine einmaligen Bew<span class=\"_ _0\"></span>ertungen zum beizulegenden Zeitw<span class=\"_ _0\"></span>ert.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-393": {
   "value": "Fair Value von Finan<span class=\"_ _0\"></span>zinstrumenten<span class=\"_ _128\"> </span>Ist der Fair Value von fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten nicht<span class=\"_ _0\"></span> durch die Verwendung von<span class=\"_ _128\"> </span>aktuellen B\u00f6rsenkursen<span class=\"_ _0\"></span> ermittelbar, weil kein ausreichend verl\u00e4sslicher \u00f6ffentlich notiert<span class=\"_ _0\"></span>er Marktpreis zur Verf\u00fcgung<span class=\"_ _128\"> </span>steht, werden Modellwert<span class=\"_ _0\"></span>e verwendet. Die Bewertungsmod<span class=\"_ _0\"></span>elle, Input-Parameter, die Fair-Valu<span class=\"_ _0\"></span>e-Hierarchie und die Fair<span class=\"_ _128\"> </span>Values von Finan<span class=\"_ _0\"></span>zinstrumenten werden in <span class=\"_ _0\"></span>Note 31 (Fair Value von Finanzinstrumenten) d<span class=\"_ _0\"></span>etailliert beschrieben.<span class=\"_ _0\"></span> 2.8) Finanzielle Verm\u00f6gen<span class=\"_ _0\"></span>swerte und Verpflichtungen sowie Sicherun<span class=\"_ _0\"></span>gsbeziehungen<span class=\"_ _0\"></span> Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt einen E<span class=\"_ _0\"></span>instufungs- und Bewertun<span class=\"_ _0\"></span>gsansatz f\u00fcr finanzielle Verm\u00f6genswerte, welcher d<span class=\"_ _0\"></span>as Gesch\u00e4ft<span class=\"_ _0\"></span>smodell, in<span class=\"_ _128\"> </span>dessen Rahmen Verm\u00f6gensw<span class=\"_ _0\"></span>erte gehalten werden, sowie die Eigenschaften ihrer Cas<span class=\"_ _0\"></span>hflows (Zahlungsstrombedingung) <span class=\"_ _0\"></span> widerspiegelt.<span class=\"_ _128\"> </span>Gesch\u00e4ftsmodell<span class=\"_ _128\"> </span>Es werden die Klassen von<span class=\"_ _0\"></span> finanziellen Verm\u00f6genswerten in Hinsicht a<span class=\"_ _0\"></span>uf die <span class=\"_ _0\"></span>Gesch\u00e4ftsstrat<span class=\"_ _0\"></span>egie sowie m\u00f6glicher Verkaufs-<span class=\"_ _128\"> </span>absichten analys<span class=\"_ _0\"></span>iert und daraus die Gesch\u00e4ftsmodelle abgeleitet. Im Wertpap<span class=\"_ _0\"></span>ierportfolio liegt eine Behalteabsicht vor und<span class=\"_ _128\"> </span>somit wird dieses Port<span class=\"_ _0\"></span>folio dem Gesch\u00e4ftsmodell Hold To Collect zugewiesen. Wertp<span class=\"_ _0\"></span>apiere, <span class=\"_ _0\"></span>die erfolgsneutral zum b<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>zulegenden Zeitwert bew<span class=\"_ _0\"></span>ertet werden,<span class=\"fc3\"> </span>werden d<span class=\"_ _0\"></span>em Gesch\u00e4ftsmodell Hold and Sell zugewiesen. Wertp<span class=\"_ _0\"></span>apiere des Handels-<span class=\"_ _128\"> </span>buchs wurden dem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell Sell zugewiesen. Das Kreditgesch\u00e4ft h<span class=\"_ _0\"></span>ingegen wird<span class=\"_ _0\"></span><span class=\"fc3\"> </span>zur G\u00e4nze der Kategor<span class=\"_ _0\"></span>ie Hold To<span class=\"_ _128\"> </span>Collect zugewiesen. Die klare Halt<span class=\"_ _0\"></span>eabsicht l\u00e4sst sich aus d<span class=\"_ _0\"></span>er Unternehmensstrategie der Oberbank AG ableiten. Die in der <span class=\"_ _1\"></span> Vergangenheit get\u00e4tigten Abg\u00e4n<span class=\"_ _0\"></span>ge bewegen sich in einem nicht sign<span class=\"_ _0\"></span>ifikanten Bereich.<span class=\"_ _0\"></span> Zahlungsstrombedingung<span class=\"_ _128\"> </span>In der Analyse der Zah<span class=\"_ _0\"></span>lungsstrombedingung (SPPI<span class=\"_ _0\"></span>-Kriterien) werden Vertrags- u<span class=\"_ _0\"></span>nd Zinsklauseln u<span class=\"_ _0\"></span>ntersucht, deren Bedingungen zu festgelegten Zahlun<span class=\"_ _0\"></span>gen f\u00fchren, die ausschlie\u00dflich Tilgungen un<span class=\"_ _0\"></span>d Zinsen auf den ausstehenden Kapit<span class=\"_ _0\"></span>albetrag <span class=\"_ _0\"></span> darstellen. Es werden<span class=\"_ _0\"></span> dabei vor allem Kredite mit SPPI-sch\u00e4dlichen Zin<span class=\"_ _0\"></span>sklauseln identifiziert, d<span class=\"_ _0\"></span>ie mit inkongruenten Zinskomponenten<span class=\"_ _128\"> </span>ausgestattet sind bzw. M<span class=\"_ _0\"></span>ischzinss\u00e4tze darstellen. Allerdings wird in der Cashflowanalyse kein signifikan<span class=\"_ _0\"></span>ter Unterschied zu<span class=\"_ _128\"> </span>Standardkreditvertr\u00e4g<span class=\"_ _0\"></span>en festgestellt, womit diese Kredite auch in Zukunft<span class=\"_ _0\"></span> zu fortgef\u00fchrten Anschaffungskosten bewert<span class=\"_ _0\"></span>et <span class=\"_ _0\"></span> werden. Somit enth\u00e4lt<span class=\"_ _0\"></span> der \u00fcberwiegende Anteil des Kreditportfolios keine SPPI<span class=\"_ _0\"></span>-sch\u00e4dlichen Vert<span class=\"_ _0\"></span>ragsbestandteile. <span class=\"_ _7\"> </span>Die Durchf\u00fchrung eines Cashflow<span class=\"_ _0\"></span>tests h\u00e4ngt in<span class=\"_ _0\"></span> erster Linie von der Zinskondition d<span class=\"_ _0\"></span>er Gesch\u00e4fte ab. Liegt eine SPPI-<span class=\"_ _0\"></span> sch\u00e4dliche Zinsklausel vor,<span class=\"_ _0\"></span> wird ein quantitativer Benchmarktest durchgef\u00fchrt. D<span class=\"_ _0\"></span>as Ergebnis des quantitativen Benchmark-<span class=\"_ _128\"> </span>tests f\u00fchrt zur finalen E<span class=\"_ _0\"></span>instufung des Verm\u00f6genswerts. Bei Nicht<span class=\"_ _0\"></span>-Bestehen d<span class=\"_ _0\"></span>es Benchmarktests wird der Verm\u00f6genswert<span class=\"_ _128\"> </span>erfolgswirksam zum beizulegenden<span class=\"_ _0\"></span> Zeitwert bewertet.<span class=\"_ _0\"></span> Im Rahmen des qu<span class=\"_ _0\"></span>antitativen Benchmarktests wird dabei auf Grundlage des Verm\u00f6gensw<span class=\"_ _0\"></span>erts mit SPPI<span class=\"_ _0\"></span>-sch\u00e4dlicher Zin<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>kondition ein Benchmarkpro<span class=\"_ _0\"></span>dukt erzeugt, d<span class=\"_ _0\"></span>essen Zinslaufzeit mit der Zinsperiode \u00fcb<span class=\"_ _0\"></span>ereinstimmt. Dabei werden die <span class=\"_ _0\"></span> undiskontierten Cashflo<span class=\"_ _0\"></span>ws beider Produkte in unterschiedlichen Zinsszenar<span class=\"_ _0\"></span>ien sowohl kumulativ als auch periodisch <span class=\"_ _1\"></span> miteinander verglichen, um festzustellen, ob d<span class=\"_ _0\"></span>ie Abweichungen einen<span class=\"_ _0\"></span> kritischen Schwellenwert<span class=\"_ _0\"></span> \u00fcbersteigen.<span class=\"_ _128\"> </span>Davon ausgenommen sind<span class=\"_ _0\"></span> SPPI-sch\u00e4dliche Zinskond<span class=\"_ _0\"></span>itionen, die aufgrund von F\u00f6rd<span class=\"_ _0\"></span>errichtlinien gesetzlich vorgeschrieben<span class=\"_ _128\"> </span>sind. F\u00fcr Gesch\u00e4fte, f\u00fcr die hinreichend<span class=\"_ _0\"></span> sicher davon ausgegangen werden kann, das<span class=\"_ _0\"></span>s die Modifikati<span class=\"_ _0\"></span><span class=\"ff9\">on der Ko<span class=\"_ _0\"></span>mponente \u201eZeitwert<span class=\"_ _128\"> </span></span>des Geldes\u201c lediglich von unt<span class=\"_ _0\"></span>ergeordneter Bedeutung sein kann, kommt in Erg\u00e4n<span class=\"_ _0\"></span>zung vereinfachend ein qualitativer <span class=\"_ _0\"></span><span class=\"ff4\"> </span>Benchmarktest zur Anw<span class=\"_ _0\"></span>endung. Dies ist in erster Linie bei folgenden Sach<span class=\"_ _0\"></span>verhalten der Fall:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Gesch\u00e4ft hat keine b<span class=\"_ _0\"></span>estimmte Kapitalbindun<span class=\"_ _0\"></span>g;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Das Fixing findet einige wenige Tage vo<span class=\"_ _0\"></span>r Beginn der Zinsperiode statt.<span class=\"_ _0\"></span> </span></span>Bewertungskategorien<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt drei wichtige Einstu<span class=\"_ _0\"></span>fungskategorien f\u00fcr finanzielle Verm\u00f6genswerte: zu for<span class=\"_ _0\"></span>tgef\u00fchrten Anschaffungskosten <span class=\"_ _1\"></span> bewertet (AC), zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust bewertet (FV/<span class=\"_ _0\"></span>PL) sowie zum beizulegenden Zeitwert mit<span class=\"_ _128\"> </span>Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis bewertet (FV/OCI). Werden fin<span class=\"_ _0\"></span>anzielle Verm\u00f6genswerte in einem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell<span class=\"_ _128\"> </span>gehalten, dessen Zielsetzung d<span class=\"_ _0\"></span>as Behalten der V<span class=\"_ _0\"></span>erm\u00f6genswerte ist, und repr\u00e4sentieren diese finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>den Anspruch auf Zins<span class=\"_ _0\"></span>- und Tilgungszahlun<span class=\"_ _0\"></span>gen zu vorgegebenen Terminen (SPPI<span class=\"_ _0\"></span>-Kriterien), so sind diese mit den<span class=\"_ _0\"></span> fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten zu bewerten. Unter bestimmten V<span class=\"_ _0\"></span>oraussetzungen ist eine Designat<span class=\"_ _0\"></span>ion zur Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Bewertung m\u00f6glich.  <span class=\"_ _0\"></span>Dies ist in der Oberbank dann d<span class=\"_ _0\"></span>er Fall, wenn eine Absicherung von Grundgesch\u00e4ften mit Deriva<span class=\"_ _0\"></span>ten <span class=\"_ _0\"></span> besteht, da es ansonst<span class=\"_ _0\"></span>en zu Bewertungsinkongruenzen der beiden Finan<span class=\"_ _0\"></span>zinstrumente in der <span class=\"_ _0\"></span>Bilanzierung ko<span class=\"_ _0\"></span>mmt.<span class=\"_ _128\"> </span>S\u00e4mtliche anderen finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e sind zum Fair Value zu bewert<span class=\"_ _0\"></span>en. Wert\u00e4nderungen dieser Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>sind in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung oder im son<span class=\"_ _0\"></span>stigen Ergebnis (abh\u00e4ngig vom Gesch\u00e4ftsmodell) zu erfassen. F\u00fc<span class=\"_ _0\"></span>r <span class=\"_ _0\"></span> bestimmte Eigenkapitalin<span class=\"_ _0\"></span>strumente kann vom Wahlrecht, die Bewertun<span class=\"_ _0\"></span>gs\u00e4nderungen im sonstigen Ergebnis zu<span class=\"_ _0\"></span> erfassen,<span class=\"_ _128\"> </span>Gebrauch gemacht werd<span class=\"_ _0\"></span>en. Lediglich Dividendenanspr\u00fcche derart<span class=\"_ _0\"></span>iger Verm\u00f6genswerte sind in der Gewinn<span class=\"_ _1\"></span>- und Verlust-<span class=\"_ _128\"> </span>rechnung darzust<span class=\"_ _0\"></span>ellen. Nach IFRS 9 werden Derivate, die in Vert<span class=\"_ _0\"></span>r\u00e4ge eingebettet sind, bei denen die Basis ein finanzieller<span class=\"_ _128\"> </span>Verm\u00f6genswert im Anwend<span class=\"_ _0\"></span>ungsbereich des Standards ist, niemals getrennt b<span class=\"_ _0\"></span>ilanziert. Stattdessen wird das hybride <span class=\"_ _1\"></span> Finanzinstrument insgesamt im Hinblick auf d<span class=\"_ _0\"></span>ie Eins<span class=\"_ _0\"></span>tufung beurteilt.<span class=\"_ _128\"> </span>Fremdkapitalinstrument<span class=\"_ _0\"></span>e werden \u00fcberwiegend mit den fortgef\u00fchrten Ansch<span class=\"_ _0\"></span>affungskosten bewertet. Die Kredite und <span class=\"_ _1\"></span> Forderungen werden gr\u00f6\u00dft<span class=\"_ _0\"></span>enteils zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _0\"></span> bewertet, da die SPPI<span class=\"_ _0\"></span>-Kriterien,<span class=\"_ _0\"></span> die f\u00fcr eine solche<span class=\"_ _128\"> </span>Bewertung vorausgesetzt werden, vo<span class=\"_ _0\"></span>n diesen Finanzinstrumenten erf\u00fcllt w<span class=\"_ _0\"></span>erden. Die Bewertung von <span class=\"_ _0\"></span> Eigenkapitalinstrument<span class=\"_ _0\"></span>en erfolgt vorwiegend zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis bewertet (FV/OCI).<span class=\"_ _0\"></span> Wertminderung <span class=\"ffb\">\u2013</span> Finanzielle V<span class=\"_ _0\"></span>erm\u00f6genswerte und vertragliche Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _0\"></span> IFRS 9 basiert auf einem zukun<span class=\"_ _0\"></span>ftsorientierten Modell der \u201eerwarteten Kr<span class=\"_ _0\"></span>editausf\u00e4lle\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> Dies erfordert erhebliche Ermessens-<span class=\"_ _128\"> </span></span>entscheidungen b<span class=\"_ _0\"></span>ez\u00fcglich der Frage, inwieweit die erwarteten Kreditausf\u00e4lle durch Ver\u00e4nderungen d<span class=\"_ _0\"></span>er wirtschaftlichen Fak-<span class=\"_ _128\"> </span>toren beeinflusst werden. D<span class=\"_ _0\"></span>iese Einsch\u00e4tzung wird auf Grundlage gewichteter <span class=\"_ _0\"></span>Wahrscheinlich<span class=\"_ _0\"></span>keiten bestimmt. <span class=\"_ _0\"></span>Das Wert-<span class=\"_ _128\"> </span>minderungsmod<span class=\"_ _0\"></span>ell nach IFRS 9 ist auf finanzielle Verm\u00f6genswerte anzuwenden<span class=\"_ _0\"></span>, die zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _128\"> </span>oder zu FV/OCI bew<span class=\"_ _0\"></span>ertet werden sowie auf vertragliche Verm\u00f6genswert<span class=\"_ _0\"></span>e und au\u00dferbilanzielle Instrument<span class=\"_ _0\"></span>e, wie \u00fcbernom-<span class=\"_ _128\"> </span>mene Haftungen un<span class=\"_ _0\"></span>d unwiderrufliche Kreditzusagen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Diese werden je nach \u00c4nderu<span class=\"_ _0\"></span>ng des Kreditrisikos zwischen jenem im Zeitpun<span class=\"_ _0\"></span>kt der <span class=\"_ _0\"></span>erstmaligen Erfassung und<span class=\"_ _0\"></span> dem jeweils<span class=\"_ _128\"> </span>aktuellen Kreditrisiko zum Bewertu<span class=\"_ _0\"></span>ngsstichtag, entweder in Stufe 1, Stu<span class=\"_ _0\"></span>fe 2, oder Stufe 3 <span class=\"_ _0\"></span>zugeteilt:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 1 enth\u00e4lt<span class=\"_ _0\"></span> grunds\u00e4tzlich neu zugegangenen Finanzinstrumente so<span class=\"_ _0\"></span>wie jene, f\u00fcr die kein signifikanter Risikoan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span></span>stieg seit dem erstmaligen Ansatz festgestellt w<span class=\"_ _0\"></span>urde. Weiters werden alle Finanzinst<span class=\"_ _0\"></span>rumente, die zum Bilanzie-<span class=\"_ _128\"> </span>rungsstichtag ein abso<span class=\"_ _0\"></span>lut definiertes geringes Kreditrisiko (Ratingklassen AA b<span class=\"_ _0\"></span>is 1b) aufweisen, als Ausnahme vom<span class=\"_ _128\"> </span>relativen Ansatz immer der Stu<span class=\"_ _0\"></span>fe 1 zugeordnet (IFRS 9.5.5.10). Diese Logik wird nu<span class=\"_ _0\"></span>r auf das Low<span class=\"_ _0\"></span>-Default-Portfolio<span class=\"_ _128\"> </span>f\u00fcr die Segmente Staaten und Banken a<span class=\"_ _0\"></span>ngewandt. Die Low<span class=\"_ _0\"></span> Credit Risk Exempt<span class=\"_ _0\"></span>ion trifft somit auf ein Portfolio zu,<span class=\"_ _128\"> </span>das man gemeinhin als \u201eIn<span class=\"_ _0\"></span>vestment Grade\u201c bezeichnen w\u00fcrde (mittlere PD d<span class=\"_ _0\"></span>er Ratingklasse entspricht S&amp;P<span class=\"_ _1\"></span><span class=\"ff4\">-\u00e4quiva-<span class=\"_ _128\"> </span></span>lenten Ratings bis BBB-<span class=\"lsb\">).</span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 2 enth\u00e4lt<span class=\"_ _0\"></span> Instrumente, f\u00fcr die eine signifikante Erh\u00f6<span class=\"_ _0\"></span>hung des Kreditrisikos s<span class=\"_ _0\"></span>eit dem erstmaligen Ansatz statt-<span class=\"_ _128\"> </span></span></span>gefunden hat. Bei Leasingkontrakten w<span class=\"_ _0\"></span>ird ein IFRS 9 Wahlrecht ausge\u00fcbt und diese Gesch\u00e4fte werd<span class=\"_ _0\"></span>en daher immer Stufe 2 zuge-<span class=\"_ _128\"> </span>ordnet.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 3 wird dem Non-Perfo<span class=\"_ _0\"></span>rming Portfolio zugeordnet. B<span class=\"_ _0\"></span>efindet sich ein Kreditnehmer im Ausfall (intern<span class=\"_ _0\"></span>e Rating-<span class=\"_ _128\"> </span></span></span>stufen 5a, 5b oder 5c), w<span class=\"_ _0\"></span>ird der Kredit Stufe 3 zugewiesen. Die Oberbank AG wendet<span class=\"_ _0\"></span> f\u00fcr alle Forderungsklassen<span class=\"_ _128\"> </span>und Risikomodelle einheitlich und<span class=\"_ _0\"></span> konsistent die Ausfallsdefinition gem\u00e4\u00df Artikel 178 der Vero<span class=\"_ _0\"></span>rdnung (E<span class=\"_ _0\"></span>U) Nr<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>575/2013 (CRR) an. Diese basiert a<span class=\"_ _0\"></span>uf dem 90-Tage-Verzug bzw. einer w<span class=\"_ _0\"></span>ahrscheinlichen Uneinbringlichkeit einer<span class=\"_ _128\"> </span>Forderung.<span class=\"_ _128\"> </span>Die Ausnahme von d<span class=\"_ _0\"></span>em Dreistufenansatz sind Verm\u00f6genswerte, die bereits bei Zugan<span class=\"_ _0\"></span>g wertgemindert sind (sogenannte<span class=\"_ _128\"> </span>\u201ePOCI\u201c <span class=\"ff4\">- Assets). Diese bilden g<span class=\"_ _0\"></span>em\u00e4\u00df IFRS 9 Vorgaben eine eigene Kat<span class=\"_ _0\"></span>egorie.<span class=\"_ _128\"> </span></span>Segmentierung<span class=\"_ _128\"> </span>Das Kreditportfolio der Ob<span class=\"_ _0\"></span>erbank wird im Wertberichtigungsmodell nach IFRS 9 in die folgenden<span class=\"_ _0\"></span> f\u00fcnf Segmente untert<span class=\"_ _0\"></span>eilt:<span class=\"_ _128\"> </span>Sovereign, Banken, Corpor<span class=\"_ _0\"></span>ates, SME sowie Retail. Der Hintergrund der Segmentierung liegt in der Zu<span class=\"_ _0\"></span>grundelegung unter-<span class=\"_ _128\"> </span>schiedlicher Sch\u00e4tzungen d<span class=\"_ _0\"></span>er relevanten Kreditrisikop<span class=\"_ _0\"></span>arameter. Die Unterteilung in die einzelnen Segmente find<span class=\"_ _0\"></span>et dabei auf<span class=\"_ _128\"> </span>Basis der gew\u00e4hlten R<span class=\"_ _0\"></span>atingverfahren statt. Das Gesamteinstufungskon<span class=\"_ _0\"></span>zept der Oberbank basiert auf qualitativen, quant<span class=\"_ _0\"></span>itativen und Backstop<span class=\"_ _1\"></span>-Kriterien.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 1 und 2 <span class=\"_ _0\"></span> Nach IFRS 9 werden Wertberichtigungen a<span class=\"_ _0\"></span>uf einer der nachstehenden Grundlagen b<span class=\"_ _0\"></span>ewertet:<span class=\"_ _0\"></span> 12<span class=\"ls0\">-Monats<span class=\"_ _0\"></span>-Kreditausf\u00e4lle: Die Bildung der Risikovorsorge erfolgt in H\u00f6h<span class=\"_ _0\"></span>e des 12<span class=\"_ _0\"></span>-Monats-Kreditverlusts und die Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span></span>des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobuchwerts unter Anwendung d<span class=\"_ _0\"></span>er Effektivzinssatzmethode (f\u00fcr Stu<span class=\"_ _0\"></span>fe 1 Instru-<span class=\"_ _128\"> </span>mente)<span class=\"_ _128\"> </span>Ausfallbetrachtun<span class=\"_ _0\"></span>g \u00fcber die Gesamtlaufzeit des Kredits: Hierbei handelt es sich um erw<span class=\"_ _0\"></span>artete Kreditausf\u00e4lle aufgrund aller<span class=\"_ _128\"> </span>m\u00f6glichen Ausfallereignisse w\u00e4<span class=\"_ _0\"></span>hrend der erwarteten Laufzeit eines Finanzinst<span class=\"_ _0\"></span>ruments. Die Bildung d<span class=\"_ _0\"></span>er Risikovorsorge er-<span class=\"_ _128\"> </span>folgt in H\u00f6he der erwart<span class=\"_ _0\"></span>eten Verluste bezogen auf die Restlaufzeit des Finanzinstru<span class=\"_ _0\"></span>ments (Life<span class=\"_ _0\"></span>-time-ECL) und die Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobu<span class=\"_ _0\"></span>chwerts unter Anwendung der Effektivzin<span class=\"_ _0\"></span>smethode (f\u00fcr Instrumente der<span class=\"_ _128\"> </span>Stufe 2)<span class=\"_ _128\"> </span>Quantitative Kriterien f\u00fcr einen Stufent<span class=\"_ _0\"></span>ransfer<span class=\"_ _128\"> </span>Die Beurteilung der signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung des Kreditrisikos stellt eine zentrale Stellschraube des 3<span class=\"_ _1\"></span>-Stufen-Modells in d<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Wertminderungsvorschrift<span class=\"_ _0\"></span>en des IFRS 9 dar, da bei einer signifikanten Erh<span class=\"_ _0\"></span>\u00f6hung des Kreditrisikos die Wertminderung \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>die Gesamtlaufzeit des Finanzinst<span class=\"_ _0\"></span>ruments (Lifetime ECL) zu erfassen ist<span class=\"_ _0\"></span>. Das wesentliche Merkmal f\u00fcr<span class=\"_ _0\"></span> die Bestimmung des Kreditri<span class=\"_ _0\"></span>sikos eines Finanzinstru<span class=\"_ _0\"></span>ments ist dabei das interne Rating des<span class=\"_ _128\"> </span>Schuldners. Bei der Er<span class=\"_ _0\"></span>stellung des Ratings werden f\u00fcr das Corporate Portfolio auch E<span class=\"_ _0\"></span>SG<span class=\"_ _0\"></span>-Risiken ber\u00fccksicht<span class=\"_ _0\"></span>igt. Hinter dem<span class=\"_ _128\"> </span>Rating des Schuldn<span class=\"_ _0\"></span>ers steht dabei immer eine Ausfallsrate je Ratingklas<span class=\"_ _0\"></span>se. Diese leitet sich f\u00fcr d<span class=\"_ _0\"></span>ie Low-Default<span class=\"_ _0\"></span>-Portfolios<span class=\"_ _128\"> </span>(Staaten und Banken) au<span class=\"_ _0\"></span>s der bankinternen Masterskala ab<span class=\"_ _0\"></span>. F\u00fcr die wesentlichen Kundensegmente Corp<span class=\"_ _0\"></span>orates, Retail und<span class=\"_ _128\"> </span>SME leiten sich diese aus den<span class=\"_ _0\"></span> realisierten Ausfallraten der jeweiligen Migration<span class=\"_ _0\"></span>smatri<span class=\"_ _0\"></span>zen ab. Dieses bildet die Basis f\u00fcr d<span class=\"_ _0\"></span>ie<span class=\"_ _128\"> </span>Beurteilung, ob und wan<span class=\"_ _0\"></span>n ein signifikanter Anstieg des Kreditrisikos stattgefund<span class=\"_ _0\"></span>en hat. <span class=\"_ _0\"></span> Das quantitative Transferkr<span class=\"_ _0\"></span>iterium in der Oberbank AG basiert auf einer Analyse der kumulierten Ausfallsw<span class=\"_ _0\"></span>ahrscheinlichkei-<span class=\"_ _128\"> </span>ten <span class=\"lsb\">(L</span>ifetime PDs). Die folgenden<span class=\"_ _0\"></span> Variablen beeinflussen die Ermittlu<span class=\"_ _0\"></span>ng einer relativen PD<span class=\"_ _0\"></span>-Verschlechterung:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Kundensegment;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rating bei Zugang d<span class=\"_ _0\"></span>es Finanzinstruments;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Restlaufzeit (Vergleich zwischen Bilanzst<span class=\"_ _0\"></span>ichtag und Vertragsende);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Alter des Finanzinstruments (Vergleich zwischen Zu<span class=\"_ _0\"></span>gangsdatum und<span class=\"_ _0\"></span> Bilanzstichtag).<span class=\"_ _128\"> </span></span></span>Zur \u00dcberpr\u00fcfung der Signifikanz einer Kredit<span class=\"_ _0\"></span>risikoerh\u00f6hung dient dabei ein Vergleich der Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeit zum<span class=\"_ _128\"> </span>erstmaligen Bilanzansatz mit d<span class=\"_ _0\"></span>er Ausfallswahrscheinlichkeit zum Bewertungsstichtag <span class=\"_ _0\"></span>(IFRS 9.5.5.9). Dab<span class=\"_ _0\"></span>ei ist die Lifetime PD<span class=\"_ _128\"> </span>der aktuellen Ratingeinstufung \u00fcber d<span class=\"_ _0\"></span>ie verbleibende Restlaufzeit heranzuziehen. D<span class=\"_ _0\"></span>ies erfolgt mittels eines Vergleichs der<span class=\"_ _128\"> </span>Lifetime PD im aktuellen Ratingstad<span class=\"_ _0\"></span>ium \u00fcber die noch verbleibende Restlaufzeit mit d<span class=\"_ _0\"></span>er Forw<span class=\"_ _0\"></span>ard Lifetime PD im Ratin<span class=\"_ _0\"></span>gsta-<span class=\"_ _128\"> </span>dium bei Zugang \u00fcber ebend<span class=\"_ _0\"></span>iese Laufzeit. Das Kriterium der Zuordnun<span class=\"_ _0\"></span>g zu Stufe 1 und 2 basiert damit haupts\u00e4chlich auf einem relativen Kr<span class=\"_ _0\"></span>iterium und nicht auf der<span class=\"_ _128\"> </span>absoluten Kreditrisikoeinsch\u00e4t<span class=\"_ _0\"></span>zung zu jedem Beurteilungszeitpunk<span class=\"_ _0\"></span>t (IFRS 9.B5.5.9). <span class=\"_ _0\"></span> Als Backstop und aufgrund<span class=\"_ _0\"></span> der Analyse des relativen Transferkriteriums wurde unabh\u00e4n<span class=\"_ _0\"></span>gig von der Struktur der Migrations-<span class=\"_ _128\"> </span>matrix entschieden, d<span class=\"_ _0\"></span>ass ein Stufentransfer jedenfalls dann ausgel\u00f6st werden mu<span class=\"_ _0\"></span>ss, wenn sich der Kredit seit Zugang <span class=\"_ _1\"></span>um<span class=\"_ _128\"> </span>mindestens drei Ratingstu<span class=\"_ _0\"></span>fen verschoben hat. Bei sehr langen Restlaufzeiten und<span class=\"_ _0\"></span> sehr guten Ratings kann es aufgrund des<span class=\"_ _128\"> </span>\u201eDrifts zur Mitte\u201c bei der marginalen P<span class=\"_ _0\"></span>D dazu kommen, dass selbst b<span class=\"_ _0\"></span>ei Downgrades von mehreren Ratingstufen d<span class=\"_ _0\"></span>as relative<span class=\"_ _128\"> </span>Transferkriterium an<span class=\"_ _0\"></span>sonsten nicht erreicht wird.<span class=\"_ _128\"> </span>Ein R\u00fccktransfer in eine b<span class=\"_ _0\"></span>essere Stufe wird dann vorgenommen, wenn die Krit<span class=\"_ _0\"></span>erien, die zu einer Abstufung gef\u00fchrt haben<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span>nicht mehr zutreffen. Auf<span class=\"_ _0\"></span>- und Abstufungen w<span class=\"_ _0\"></span>erden somit symmetrisch behand<span class=\"_ _0\"></span>elt. Ein R\u00fccktransfer au<span class=\"_ _0\"></span>s Stage 2 erfolgt bei-<span class=\"_ _128\"> </span>spielsweise, sobald keine signifikant<span class=\"_ _0\"></span>e Erh\u00f6hung des Ausfallrisikos mehr vorliegt. Ma\u00dfstab ist<span class=\"_ _0\"></span> wiederum der Vergleich des<span class=\"_ _128\"> </span>Ausfallrisikos bei Zugan<span class=\"_ _0\"></span>g mit dem Ausfallrisiko zum betreffenden Bilanzsticht<span class=\"_ _0\"></span>ag.<span class=\"_ _0\"></span> Das Wertberichtigungsmod<span class=\"_ _0\"></span>ell der Oberbank AG bezieht sich sowohl in<span class=\"_ _0\"></span> der Berechnung der Risikovorsorge als auch in der<span class=\"_ _128\"> </span>Beurteilung des Stu<span class=\"_ _0\"></span>fentransfers immer auf das Einzelgesch\u00e4ft. Dies bedeutet, dass d<span class=\"_ _0\"></span>ie relevanten Kreditrisikoparameter PD<span class=\"_ _128\"> </span>(Ausfallswahrscheinlichkeit), LGD <span class=\"_ _0\"></span>(Verlust bei Ausfall) sow<span class=\"_ _0\"></span>ie EAD (Obligo bei Ausfall) sich immer a<span class=\"_ _0\"></span>uf einen einzelnen Kredit-<span class=\"_ _128\"> </span>nehmer beziehen und<span class=\"_ _0\"></span> sich von einem einzelnen Gesch\u00e4ft ableiten.<span class=\"_ _0\"></span> Qualitative Kriterien f\u00fcr einen Stufentran<span class=\"_ _0\"></span>sfer<span class=\"_ _128\"> </span>Ein Finanzinstrument mit Nachsicht (<span class=\"_ _0\"></span>Forbearance) wird in<span class=\"_ _0\"></span> jedem Fall der Stufe 2 zugewiesen, sofern sich die Forderung n<span class=\"_ _0\"></span>icht<span class=\"_ _128\"> </span>ohnehin schon im Au<span class=\"_ _0\"></span>sfall befindet. W\u00e4hrend der gesamten Bew\u00e4h<span class=\"_ _0\"></span>rungsphase wird somit f\u00fcr diese Forderun<span class=\"_ _0\"></span>gen ein Lifetime<span class=\"_ _128\"> </span>Expected Loss angesetzt.<span class=\"_ _0\"></span> Die widerlegbare Vermutun<span class=\"_ _0\"></span>g bei einer 30-t\u00e4gigen \u00dcberf\u00e4lligkeit<span class=\"_ _0\"></span> f\u00fchrt als qualitatives Kriterium zu einem Stufent<span class=\"_ _0\"></span>ransfer (IFRS<span class=\"_ _128\"> </span>9.5.5.11). Das bedeutet<span class=\"_ _0\"></span>, dass Instrumente sp\u00e4testens dann d<span class=\"_ _0\"></span>er Stufe 2 zuzuweisen sind, sobald der Zah<span class=\"_ _0\"></span>lungsverzug von Kapi-<span class=\"_ _128\"> </span>tal und/oder Zinszah<span class=\"_ _0\"></span>lungen 30 Tage \u00fcbersteigt. <span class=\"ff5\"> </span>Ebenso werden Fremdw<span class=\"_ _0\"></span>\u00e4hrungskredite mit w\u00e4hrungsinkongruentem Einkommen und Kr<span class=\"_ _0\"></span>edite mit Tilgungstr\u00e4gern im Le-<span class=\"_ _128\"> </span>bendgesch\u00e4ft in jedem Fall der St<span class=\"_ _0\"></span>ufe 2 zugewiesen. Durch W\u00e4hrun<span class=\"_ _0\"></span>gsschwankungen sowie Schwankungen in<span class=\"_ _0\"></span> den Sicherhei-<span class=\"_ _128\"> </span>tenwerten bei Tilgun<span class=\"_ _0\"></span>gstr\u00e4gern ist mit h\u00f6heren Risiken der Schuldenbed<span class=\"_ _0\"></span>ienbarkeit zu rechnen als bei konvent<span class=\"_ _0\"></span>ionellen Kredit-<span class=\"_ _128\"> </span>best\u00e4nden. Neben den modellimmanenten qu<span class=\"_ _0\"></span>alitativen Faktoren f\u00fcr einen Stufentr<span class=\"_ _0\"></span>ansfer wendet die Oberbank AG aufgrund<span class=\"_ _0\"></span> der anhal-<span class=\"_ _128\"> </span>tenden Energiekrise, hoh<span class=\"_ _0\"></span>en Inflation und<span class=\"_ _0\"></span> steigenden Zinsen als Folge des Ukraine<span class=\"_ _0\"></span>-Krieges per 31.12.2022 auch einen kol-<span class=\"_ _128\"> </span>lektiven Stufentransfer in die Stufe 2 f\u00fcr gew<span class=\"_ _0\"></span>isse Teilportfolios an.<span class=\"_ _0\"></span> Grund daf\u00fcr sind die hohen En<span class=\"_ _0\"></span>ergiepreise bei Gas, welche sich zwar k\u00fcrzlich an<span class=\"_ _0\"></span> den Energiem\u00e4rk<span class=\"_ _0\"></span>ten a<span class=\"_ _0\"></span>ufgrund hoher Lager-<span class=\"_ _128\"> </span>st\u00e4nde entspannt<span class=\"_ _0\"></span> haben, jedoch f\u00fcr den Endkunden noch hoch sind<span class=\"_ _0\"></span>. Dar\u00fcber hinaus k\u00f6nnen eine neuerliche starke Verteue-<span class=\"_ _128\"> </span>rung bzw. ein g\u00e4nzlicher Gasstop n<span class=\"_ _0\"></span>icht ausgeschlossen, sowie die Folgen f\u00fcr, vo<span class=\"_ _0\"></span>n Gas abh\u00e4ngigen Kunden, unter einem<span class=\"_ _1\"></span> welt-<span class=\"_ _128\"> </span>weiten Konjunkturabschw<span class=\"_ _0\"></span>ung, nur schwer abgesch\u00e4tzt werden.<span class=\"_ _0\"></span> Ein weiter Grund sind der starke Zinsanst<span class=\"_ _0\"></span>ieg, sowie die derzeit vorherrschende hohe Inflat<span class=\"_ _0\"></span>ion. Insbesondere kann es dadurch<span class=\"_ _128\"> </span>im Bereich der Immobilienprojektfinan<span class=\"_ _0\"></span>zierungen mit gewerblichen Hyp<span class=\"_ _0\"></span>othekarsicherh<span class=\"_ _0\"></span>eiten zu Verz\u00f6gerungen beim Projekt-<span class=\"_ _128\"> </span>fortschritt kommen und<span class=\"_ _0\"></span> es besteht die Gefahr, dass die gestiegenen Einkaufspreise bzw. Gest<span class=\"_ _0\"></span>ehungskosten nicht weiterver-<span class=\"_ _128\"> </span>rechnet werden k\u00f6nnen. Folglich k\u00f6<span class=\"_ _0\"></span>nnen hohe Risiken bei der R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit bei Kr<span class=\"_ _0\"></span>editen entstehen, da sich die Bau-<span class=\"_ _128\"> </span>wirtschaft seit dem 2.Quartal 2022 in einer Schw<span class=\"_ _0\"></span>\u00e4chephase befindet<span class=\"_ _0\"></span> und die hohen Baukosten die Nachfrage un<span class=\"_ _0\"></span>d Investitio-<span class=\"_ _128\"> </span>nen in Bauprojekt<span class=\"_ _0\"></span>e d\u00e4mpfen.<span class=\"_ _128\"> </span>Vor diesem Hintergrund ers<span class=\"_ _0\"></span>cheint es bei folgenden Portfolios der Segmente C<span class=\"_ _0\"></span>orpor<span class=\"_ _0\"></span>ates und SME notwendig, die erwartete<span class=\"_ _128\"> </span>Erh\u00f6hung des Kreditrisikos vor\u00fcbergehend<span class=\"_ _0\"></span> \u00fcber den kollektiven Stufentransfer anzuw<span class=\"_ _0\"></span>enden:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer portfolio\u00fcbergreifenden E<span class=\"_ _0\"></span>inzelanalyse eine Gasabh\u00e4ngig-<span class=\"_ _128\"> </span></span></span>keit festgestellt werden konnt<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten.<span class=\"_ _0\"></span> </span></span>Der Zeitpunkt des Wegfalls bzw. einer Redu<span class=\"_ _0\"></span>ktion des kollektiven Stu<span class=\"_ _0\"></span>fentransfers h\u00e4ngt in erster Linie von der weiteren Pr<span class=\"_ _0\"></span>eis-<span class=\"_ _128\"> </span>entwicklung b<span class=\"_ _0\"></span>ei Rohstoffen, dem Abflauen des In<span class=\"_ _0\"></span>flationsdrucks sowie der Entwicklung der Verbraucherpreise ab. <span class=\"_ _0\"></span> Wegfall Covid 19 Staging<span class=\"_ _128\"> </span>Auf Grund des Abflau<span class=\"_ _0\"></span>ens der Covid 19 Pandemie und des Wegfalls der Einschr\u00e4nku<span class=\"_ _0\"></span>ngen wurde das damit verbundene kol-<span class=\"_ _128\"> </span>lektive Stufentra<span class=\"_ _0\"></span>nsfer beendet. Details k\u00f6nn<span class=\"_ _0\"></span>en der Note 2.2 entnommen werden.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 3 (No<span class=\"_ _0\"></span>n-Performing Loans)<span class=\"_ _0\"></span> Non-Performing Loan<span class=\"_ _0\"></span>s werden der Stufe 3 zugeordn<span class=\"_ _0\"></span>et. Die Bildung einer Risikovorsorge erfolgt kon<span class=\"_ _0\"></span>zernweit in H\u00f6he der<span class=\"_ _128\"> </span>erwarteten Verluste, wenn zu<span class=\"_ _0\"></span> bef\u00fcrchten ist, dass die KundInnen ihren Kreditverpflichtungen nicht im v<span class=\"_ _0\"></span>ollen Umfang nach-<span class=\"_ _128\"> </span>kommen. F\u00fcr notleidende Kredit<span class=\"_ _0\"></span>e erfolgt d<span class=\"_ _0\"></span>ie Risikovorsorgen-Bildun<span class=\"_ _0\"></span>g gem\u00e4\u00df IFRS 9 5.5 mittels der D<span class=\"_ _0\"></span>iscounted Cash<span class=\"_ _0\"></span>-Flow<span class=\"_ _128\"> </span>Methode in H\u00f6he des erw<span class=\"_ _0\"></span>arteten Verlustes bezogen auf die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-Expected C<span class=\"_ _0\"></span>redit Loss (E<span class=\"_ _0\"></span>CL)) und Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags auf Basis des Netto<span class=\"_ _0\"></span>buchwertes unter Anw<span class=\"_ _0\"></span>endung der E<span class=\"_ _0\"></span>ffektivzinssatzmethode. F\u00fcr a<span class=\"_ _0\"></span>lle nicht bedeutsa-<span class=\"_ _128\"> </span>men notleidenden Kr<span class=\"_ _0\"></span>edite wird mittels eines Expertenverfahrens f\u00fcr die Unterdeckung eine Risikovor<span class=\"_ _0\"></span>sorge errechnet. Diese<span class=\"_ _128\"> </span>betr\u00e4gt f\u00fcr bereits gek\u00fcndigte Kredite, bei den<span class=\"_ _0\"></span>en die Sicherheiten verwertet<span class=\"_ _0\"></span> w<span class=\"_ _0\"></span>erden, 100% der Unterdeckung. F\u00fcr den Rest werden abh<span class=\"_ _0\"></span>\u00e4ngig von Ausfallsgrund und Ausfallsstat<span class=\"_ _0\"></span>us zwischen 20% und 100% der Unterd<span class=\"_ _0\"></span>eckung als Risiko-<span class=\"_ _128\"> </span>vorsorge angesetzt.  <span class=\"_ _7\"> </span> <div class=\"t m0 h6 ff5 fs2 fc2 sc0 ls0 ws0 gs12\">Direktabschreibung von Non-P<span class=\"_ _0\"></span>erforming Loans  </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs13\">Wenn ein Ereignis eintritt, welches die E<span class=\"_ _0\"></span>inbringlichmachung eines Teiles eines Obligos oder ei<span class=\"_ _0\"></span>nes Gesamtobligos un<span class=\"_ _0\"></span>m\u00f6glich<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs14\">macht, und keine oder kein<span class=\"_ _0\"></span>e ausreichende Risikovorsorge vorhanden<span class=\"_ _0\"></span> ist, wird der uneinbringliche Saldo direkt gegen die<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs15\">GuV ausgebucht (D<span class=\"_ _0\"></span>irektabschreibung). Solche Ereignisse k<span class=\"_ _0\"></span>\u00f6nnen u.a. sein:  </div><div class=\"t m0 ha ff7 fs2 fc2 sc0 ls0 ws0 gs16\">-<span class=\"_ _18\"> </span><span class=\"ff4\">Ausbuchung d<span class=\"_ _0\"></span>es Restsaldos nach Abweisung oder Abschluss <span class=\"_ _0\"></span>eines Insolvenzverfahrens und / oder nach Verwertung<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs17\">aller zur Verf\u00fcgung stehender Sicherheiten;<span class=\"_ _128\"> </span></div><div class=\"t m0 ha ff7 fs2 fc2 sc0 ls0 ws0 gs18\">-<span class=\"_ _18\"> </span><span class=\"ff4\">Nachlassabhandlu<span class=\"_ _0\"></span>ng ohne Verm\u00f6gen und Sicherheiten;<span class=\"_ _128\"> </span></span></div><div class=\"t m0 ha ff7 fs2 fc2 sc0 ls0 ws0 gs19\">-<span class=\"_ _18\"> </span><span class=\"ff4\">Umschuldun<span class=\"_ _0\"></span>g mit Gew\u00e4hrung eines Nachlasses (Vergleichsverein<span class=\"_ _0\"></span>barung).<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h6 ff5 fs2 fc2 sc0 ls0 ws0 gs1a\">ECL Berechnung<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs1b\">In der Oberbank AG <span class=\"_ _0\"></span>gilt das Wertminderungsmodell nach IFRS 9 f\u00fcr folgende An<span class=\"_ _0\"></span>wendungsbereiche:<span class=\"_ _0\"></span> </div><div class=\"t m0 h5 ffa fs2 fc2 sc0 ls0 ws0 gs1c\">\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">finanzielle Verm\u00f6genswerte, die zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten oder erfolgsneu<span class=\"_ _0\"></span>tral zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs1d\">bewertet werden,<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ffa fs2 fc2 sc0 ls0 ws0 gs1e\">\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Leasingforderungen,<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ffa fs2 fc2 sc0 ls0 ws0 gs1f\">\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">unwiderrufliche Kreditzusa<span class=\"_ _0\"></span>gen und Finanzgarantien.<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs20\">Der Expected Credit Lo<span class=\"_ _0\"></span>ss ist in der Oberbank AG eine wahrscheinlichkeitsgewichtete Sch\u00e4tzun<span class=\"_ _0\"></span>g des Verlusts \u00fcber die ersten<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs21\">zw\u00f6lf Monate (Stufe 1)<span class=\"_ _0\"></span> oder \u00fcber die erwartete Restlaufzeit des Finan<span class=\"_ _0\"></span>zinstruments (Stufe 2). Er ist<span class=\"_ _0\"></span> sozusagen der Barwert<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs22\">der Differenz aus vertraglich vereinbarten<span class=\"_ _0\"></span> Cashflows und erwarteten Cas<span class=\"_ _0\"></span>hflows. Die Berechnung des erwarteten Verlu<span class=\"_ _0\"></span>sts<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs23\">beinhaltet dabei<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ffa fs2 fc2 sc0 ls0 ws0 gs24\">\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">einen erwartungsgetreu<span class=\"_ _0\"></span>en und wahrscheinlichkeitsgewichteten Betrag, <span class=\"_ _0\"></span>der durch Betrachtung m\u00f6glicher Szenarien be-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs25\">stimmt wird,<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ffa fs2 fc2 sc0 ls0 ws0 gs26\">\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">den Zeitwert des Geldes,<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ffa fs2 fc2 sc0 ls0 ws0 gs27\">\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Informationen \u00fcber vergan<span class=\"_ _0\"></span>gene Ereignisse, aktuelle Bedingungen und Prognosen k\u00fcn<span class=\"_ _0\"></span>ftiger wirtschaftlicher <span class=\"_ _0\"></span>Bedingun<span class=\"_ _0\"></span>gen.<span class=\"_ _128\"> </span></span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs28\">De<span class=\"ws1\">r <span class=\"ws2\">maximale <span class=\"ws3\">Ze</span></span></span>itrau<span class=\"ws4\">m, </span>f\u00fc<span class=\"ws1\">r <span class=\"ws2\">d</span></span>e<span class=\"ws5\">n <span class=\"ws6\">d</span></span>e<span class=\"ws7\">r <span class=\"ws2\">E</span></span>xpecte<span class=\"ws8\">d <span class=\"ws6\">Cr</span></span>edi<span class=\"ws6\">t Lo<span class=\"ws2\">ss </span></span>bestim<span class=\"ws9\">mt <span class=\"ws2\">w</span></span>ird<span class=\"wsa\">, <span class=\"wsb\">is<span class=\"wsc\">t <span class=\"ws6\">d</span></span></span></span>abei d<span class=\"wsd\">ie <span class=\"wse\">V</span></span>ertragslaufzeit<span class=\"wsf\">, <span class=\"wsb\">\u00fc</span></span>be<span class=\"ws7\">r <span class=\"ws2\">d</span></span>e<span class=\"ws10\">n <span class=\"wse\">d</span></span>ie<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs29\">Oberbank A<span class=\"ws11\">G </span>einem Kreditr<span class=\"ws12\">isiko </span>au<span class=\"wsb\">s </span>dem Finan<span class=\"_ _0\"></span>zinstrumen<span class=\"ws13\">t <span class=\"ws6\">a</span></span>usgeset<span class=\"ws11\">zt ist<span class=\"wsb\">. </span></span>Nu<span class=\"ws14\">r <span class=\"ws2\">b</span></span>ei revolvierende<span class=\"ws8\">n <span class=\"ws6\">Kr</span></span>edite<span class=\"ws15\">n </span>wir<span class=\"ws15\">d </span>de<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>ar-<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs2a\">tet<span class=\"ws15\">e <span class=\"ws3\">Kr</span></span>editverlus<span class=\"wsc\">t <span class=\"ws6\">f\u00fc<span class=\"ws1\">r <span class=\"ws2\">ei</span></span></span></span>ne<span class=\"ws5\">n <span class=\"ws6\">Ze</span></span>itraum b<span class=\"_ _0\"></span>estimmt<span class=\"ws16\">, </span>de<span class=\"ws1\">r <span class=\"ws2\">u</span></span>nte<span class=\"ws17\">r </span>Umst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"ws8\">n <span class=\"ws6\">l\u00e4</span></span>nge<span class=\"ws7\">r <span class=\"ws2\">a</span></span>ls d<span class=\"wsd\">ie <span class=\"wse\">v</span></span>ertraglich<span class=\"ws15\">e <span class=\"ws3\">Lau</span></span>fze<span class=\"ws18\">it <span class=\"ws2\">ist<span class=\"ws19\">. </span></span></span>De<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>artete<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws8 gs2b\">Verlust <span class=\"ws1a\">setzt <span class=\"ws1b\">sich <span class=\"ws1c\">aus <span class=\"ws0\">drei Komponenten <span class=\"ws6\">zusammen:<span class=\"_ _128\"> </span></span></span></span></span></span><span class=\"ws1a\"><span class=\"ws1b\"><span class=\"ws1c\"><span class=\"ws0\"><span class=\"ws6\"> </span></span></span></span></span></div><div class=\"t m0 h63 ffe fs2 fc2 sc0 ls0 ws0 gs2c\">ECL = PD x LGD x EAD<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs2d\">(PD: Ausfallswahrscheinlichkeit; LGD: Los<span class=\"wsb\">s </span>give<span class=\"ws1d\">n <span class=\"ws6\">D</span></span>efault/<span class=\"_ _0\"></span>Verlus<span class=\"wsc\">t <span class=\"ws6\">b</span></span>ei Ausfall in <span class=\"ws1b\">% <span class=\"ws6\">d</span></span>e<span class=\"wsb\">s </span>EA<span class=\"ws1e\">D <span class=\"ws2\">a</span></span>usgegeben; EAD: Exposur<span class=\"ws1f\">e <span class=\"ws3\">a</span></span>t<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs2e\">Default/Offene<span class=\"ws1\">r <span class=\"ws2\">Bet</span></span>rag im Zeitpun<span class=\"_ _0\"></span>k<span class=\"ws6\">t d</span>e<span class=\"wsb\">s </span>Ausfalls de<span class=\"wsb\">s </span>Kredits)<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs2f\">Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6genswert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St</span></span></span>u<span class=\"ws21\">fe <span class=\"wsb\">2 </span></span>u<span class=\"_ _0\"></span>n<span class=\"ws5\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>d<span class=\"ws22\">amit <span class=\"ws2\">ei</span></span>nhergeh<span class=\"_ _0\"></span>ende<span class=\"ws5\">n <span class=\"ws6\">Ber</span></span>echnung de<span class=\"wsb\">s </span>Lifetim<span class=\"ws23\">e <span class=\"ws3\">E</span></span>xpecte<span class=\"ws5\">d <span class=\"ws6\">Cr</span></span>e-<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs30\">d<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>entsprich<span class=\"ws13\">t <span class=\"ws6\">d</span></span>ie<span class=\"wsb\">s </span>de<span class=\"ws24\">r <span class=\"ws2\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">d</span></span>e<span class=\"wsb\">s </span>Kontrakt<span class=\"ws25\">s. </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6gensw<span class=\"_ _0\"></span>ert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St<span class=\"ws26\">age </span></span></span>1 </span>(12<span class=\"_ _0\"></span>-Monat<span class=\"_ _0\"></span>s-ECL)<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs31\">wir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span>fze<span class=\"ws25\">it <span class=\"ws22\">mit <span class=\"ws2\">ei</span></span></span>nem Jah<span class=\"ws1\">r <span class=\"ws2\">b</span></span>eschr\u00e4n<span class=\"_ _0\"></span>kt<span class=\"wsb\">. </span>Lie<span class=\"ws28\">gt <span class=\"ws11\">d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span></span></span>fze<span class=\"ws18\">it <span class=\"ws2\">u</span></span>nte<span class=\"ws1\">r <span class=\"ws2\">ei</span></span>nem Jahr<span class=\"wsf\">, <span class=\"wsb\">s<span class=\"ws1e\">o <span class=\"ws2\">w<span class=\"_ _0\"></span></span></span></span></span>ir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">t</span></span>ats\u00e4chlich<span class=\"ws1f\">e <span class=\"ws3\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">f\u00fc<span class=\"ws1\">r </span>d<span class=\"_ _0\"></span></span></span>ie<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs32\">Berechnung heran<span class=\"_ _0\"></span>gezogen<span class=\"ws19\">. </span>De<span class=\"ws17\">r <span class=\"wsd\">E</span></span>xpecte<span class=\"ws29\">d <span class=\"ws6\">Cr</span></span>ed<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>nac<span class=\"ws2a\">h <span class=\"wse\">I</span></span>FRS 9 ist <span class=\"ws6\">d</span>ab<span class=\"_ _0\"></span>ei e<span class=\"ws2b\">in <span class=\"ws11\">d</span></span>iskontierte<span class=\"ws1\">r <span class=\"ws2\">We</span></span>rt<span class=\"wsb\">. </span>Hierf\u00fc<span class=\"ws2c\">r <span class=\"ws2\">w</span></span>ir<span class=\"ws8\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>jeweilige<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs33\">EL je <span class=\"ws2d\">P</span>eriod<span class=\"ws15\">e <span class=\"ws22\">mit <span class=\"ws2\">d</span></span></span>em Diskontfakt<span class=\"_ _0\"></span>o<span class=\"ws1\">r <span class=\"ws2\">j<span class=\"ws15\">e <span class=\"ws3\">P</span></span></span></span>eriod<span class=\"ws15\">e <span class=\"ws3\">mu</span></span>ltipliziert<span class=\"wsb\">. </span>De<span class=\"ws2c\">r <span class=\"ws2\">D</span></span>iskontfakto<span class=\"ws17\">r <span class=\"wsd\">b<span class=\"_ _0\"></span></span></span>einhalte<span class=\"ws2e\">t </span>dabei de<span class=\"ws5\">n <span class=\"ws6\">E</span></span>ffektivzinssatz de<span class=\"wsb\">s </span>Ver-<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs34\">m\u00f6genswerts.<span class=\"_ _128\"> </span> </div><div class=\"t m0 h6 ff5 fs2 fc2 sc0 ls0 ws0 gs35\">Wesentlich<span class=\"ws1c\">e <span class=\"wsb\">I</span></span>nputparameter<span class=\"_ _128\"> </span> </div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs36\">Ausfallswahrscheinlichke<span class=\"ws18\">it <span class=\"ws2\">(P</span></span>D/Probabilit<span class=\"ws2\">y </span>of Default)<span class=\"ws2f\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs37\">D<span class=\"ws27\">ie <span class=\"wse\">A</span></span>usfallswahr<span class=\"_ _0\"></span>scheinlichke<span class=\"ws30\">it </span>wir<span class=\"ws8\">d <span class=\"ws31\">in <span class=\"ws32\">ei</span></span></span>nem Basisszenar<span class=\"ws11\">io </span>f\u00fc<span class=\"ws17\">r </span>d<span class=\"ws33\">ie <span class=\"wse\">Se</span></span>gment<span class=\"ws15\">e <span class=\"ws3\">Co</span></span>rpo<span class=\"_ _0\"></span>rate<span class=\"ws7\">s, <span class=\"ws2\">SM<span class=\"ws34\">E </span></span></span>un<span class=\"ws8\">d <span class=\"ws6\">R</span></span>etail au<span class=\"wsb\">s </span>de<span class=\"ws15\">n </span>histori-<span class=\"_ _128\"> </span></div><div class=\"t m0 h5 ff4 fs2 fc2 sc0 ls0 ws0 gs38\">sche<span class=\"ws5\">n <span class=\"ws6\">A</span></span>usfallsrate<span class=\"ws35\">n </span>un<span class=\"ws8\">d <span class=\"ws6\">M<span class=\"_ _0\"></span></span></span>igrationswahrscheinlichkeite<span class=\"ws5\">n <span class=\"ws6\">a</span></span>bgeleitet.<span class=\"_ _128\"> </span> </div>Je Segment und Ratingstufe werd<span class=\"_ _0\"></span>en die Ausfallswahrscheinlichkeiten f\u00fcr untersch<span class=\"_ _0\"></span>iedliche Laufzeiten (Lifetime PD) aus d<span class=\"_ _0\"></span>em<span class=\"_ _128\"> </span>Ausfallsvektor der Migrationsmatrix au<span class=\"_ _0\"></span>sgelesen. F\u00fcr die Segmente Banken und<span class=\"_ _1\"></span> Sovereign wird die Ausfallswahrscheinlichkeit<span class=\"_ _128\"> </span>direkt aus den internen R<span class=\"_ _0\"></span>atings und somit aus der bankinternen Masterskala abgeleitet.<span class=\"_ _0\"></span> F\u00fcr die Ermittlung der historischen Ausfallsr<span class=\"_ _0\"></span>aten und Migrationswahrscheinlichkeiten f\u00fcr d<span class=\"_ _0\"></span>as zentrale Kundenkreditportfoli<span class=\"_ _1\"></span><span class=\"ls12\">o<span class=\"_ _128\"> </span></span>werden Migrationsmatrizen f\u00fcr die jeweiligen Segmen<span class=\"_ _0\"></span>te berechnet. Hierbei wird jeweils der Zeitrau<span class=\"_ _0\"></span>m der letzten zehn Jahre<span class=\"_ _128\"> </span>betrachtet. Als Basis zur<span class=\"_ _0\"></span> Bestimmung der 1-Jah<span class=\"_ _0\"></span>res-Migrationsmatrix dient zuerst eine qu<span class=\"_ _0\"></span>artalsweise Betrachtung von Rating-<span class=\"_ _128\"> </span>migrationen.<span class=\"_ _128\"> </span>Die 1-Jahres-Migrationsmatrix w<span class=\"_ _0\"></span>ird anhand einer Matrixmultiplikation<span class=\"_ _0\"></span> von vier aufeinander folgenden Quart<span class=\"_ _0\"></span>alen ermittelt.<span class=\"_ _128\"> </span>Die endg\u00fcltige 1-Jahres-Migrat<span class=\"_ _0\"></span>ionsmatrix ist dab<span class=\"_ _0\"></span>ei der Mittelwert \u00fcber alle ermittelten Migrationsmatr<span class=\"_ _0\"></span>izen. Die 1<span class=\"_ _0\"></span>-Jahres-PD<span class=\"_ _128\"> </span>pro Ratingklasse ist d<span class=\"_ _0\"></span>abei die Summe der PD aus den drei Default Rat<span class=\"_ _0\"></span>ingklassen 5a, 5b und 5c. Kumulierte bzw. Lifetime PD<span class=\"_ _128\"> </span>werden mittels d<span class=\"_ _0\"></span>er Markov-Annahme von Migrationsmat<span class=\"_ _0\"></span>rizen mittels Matrizenmultiplikation gebildet. Daraus ergeben s<span class=\"_ _0\"></span>ich<span class=\"_ _128\"> </span>pro Segment und Rat<span class=\"_ _0\"></span>ingklasse PD-Kurven. F\u00fcr einzelne Segmente und Laufzeitb\u00e4n<span class=\"_ _0\"></span>der werden diese bedingten Basis<span class=\"_ _0\"></span>-PD,<span class=\"_ _0\"></span> die sich aus der Through The Cycle Migrations-<span class=\"_ _128\"> </span>matrix ergeben, angepasst, um zukun<span class=\"_ _0\"></span>ftsgerichtete Informationen einflie\u00dfen zu lassen. Diese so<span class=\"_ _0\"></span>genannte Point<span class=\"_ _1\"></span>-<span class=\"ls19\">In</span>-Time-An-<span class=\"_ _128\"> </span>passung (PIT-Anpassu<span class=\"_ _0\"></span>ng) findet statt indem durch stat<span class=\"_ _0\"></span>istische Modelle versucht wird, Zusammenh\u00e4nge zwischen der A<span class=\"_ _0\"></span>us-<span class=\"_ _128\"> </span>fallswahrscheinlichkeit und erkl\u00e4r<span class=\"_ _0\"></span>enden makro\u00f6konomischen Variab<span class=\"_ _0\"></span>len herzustellen. <span class=\"_ _0\"></span> Als statistisches Modell wird eine logistische Regression <span class=\"_ _0\"></span>verw<span class=\"_ _0\"></span>endet, wodurch die Ausfallswahrscheinlichkeit progn<span class=\"_ _0\"></span>ostiziert<span class=\"_ _128\"> </span>wird. Die Regressionsp<span class=\"_ _0\"></span>arameter werden durch Maximierung der Likelihood Fun<span class=\"_ _0\"></span>ktion gesch\u00e4tzt. Als wesent<span class=\"_ _0\"></span>liche makro\u00f6ko-<span class=\"_ _128\"> </span>nomische Variablen gehen d<span class=\"_ _0\"></span>er harmonisierte Verbraucherpreisindex (CPI), sowi<span class=\"_ _1\"></span>e das Wachstum des Bruttoinland<span class=\"_ _0\"></span>sproduktes<span class=\"_ _128\"> </span>(BIP) ins Modell ein. Bei den Faktor<span class=\"_ _0\"></span>en CPI und BIP findet eine L\u00e4ndergewichtung statt. <span class=\"_ _0\"></span>Dabei werden die L\u00e4nder \u00d6sterreich,<span class=\"_ _128\"> </span>Deutschland, Tschechien, Ungar<span class=\"_ _0\"></span>n und Slowakei ber\u00fccksichtigt, in denen<span class=\"_ _0\"></span> die Oberbank AG t\u00e4tig<span class=\"_ _0\"></span> ist. Wobei die Fakto<span class=\"_ _0\"></span>ren f\u00fcr<span class=\"_ _128\"> </span>\u00d6sterreich mit 66%, f\u00fcr Deutschland mit<span class=\"_ _0\"></span> 19%, f\u00fcr Tschechien mit 8% sow<span class=\"_ _0\"></span>ie, f\u00fcr Ungarn und Slowakei mit 4% bzw. mit<span class=\"_ _0\"></span> 3%<span class=\"_ _128\"> </span>gewichtet werden.<span class=\"_ _128\"> </span>Zur Modellwahl wird d<span class=\"_ _0\"></span>as Informationskritierium nach Akaike (AIC) verwendet, wobei die Variab<span class=\"_ _0\"></span><span class=\"ff9\">len mit<span class=\"_ _0\"></span>tels \u201eStepwise Selek-<span class=\"_ _128\"> </span></span>tion\u201c selektiert werden.<span class=\"ff4\"> </span>Anhand dieser gesch\u00e4tzten<span class=\"_ _0\"></span> Faktoren wird die PD in den Segmenten Corporat<span class=\"_ _0\"></span>e, Retail und SME mittels Skalarans\u00e4tzen ange-<span class=\"_ _128\"> </span>passt. In den Segmenten Sovereign und<span class=\"_ _0\"></span> Banken konnten keine plausiblen Korrelation<span class=\"_ _0\"></span>en mit<span class=\"_ _0\"></span> makro\u00f6konomischen Fakt<span class=\"_ _0\"></span>oren<span class=\"_ _128\"> </span>hergeleitet werden.<span class=\"_ _128\"> </span>Die Oberbank verw<span class=\"_ _0\"></span>endet f\u00fcr die ECL-Berechnung drei un<span class=\"_ _0\"></span>terschiedliche Szenarien (Normal<span class=\"_ _0\"></span>-, Up- und Downszenar<span class=\"_ _0\"></span>io), wobei<span class=\"_ _128\"> </span>die schlussendliche Anpas<span class=\"_ _0\"></span>sung einer Linearkombination der drei unterschiedlichen Szenarien<span class=\"_ _1\"></span> gleichkommt. Die Szenarioge-<span class=\"_ _128\"> </span>wichtung orientiert sich an<span class=\"_ _0\"></span> der derzeit g\u00e4ngigen Praxis, dass das Normalszenario mit 50%<span class=\"_ _0\"></span> Prozent und die beiden anderen<span class=\"_ _128\"> </span>Szenarien jeweils mit 25% gewichtet<span class=\"_ _0\"></span> werden. F\u00fcr die Szenarien bedient sich d<span class=\"_ _0\"></span>ie Oberbank makro\u00f6konomischer Da<span class=\"_ _1\"></span>ten des<span class=\"_ _128\"> </span>Informationsdienstleisters Bloomberg. Dab<span class=\"_ _0\"></span>ei ist festzuhalten, dass nur f\u00fcr<span class=\"_ _0\"></span> 3 Jahre wirtschaftlich sinnvolle Prognosen vorhan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>den sind. Folgende Tabelle zeigt die l\u00e4ndergewichteten makr<span class=\"_ _0\"></span>o\u00f6konomischen Faktor<span class=\"_ _0\"></span>en, die in die ECL<span class=\"_ _0\"></span>-Berechnung f\u00fcr<span class=\"_ _0\"></span> die Segmente<span class=\"_ _128\"> </span>Corporates, Retail und<span class=\"_ _0\"></span> SME per 31. Dezember 2022 eingehen:<span class=\"_ _0\"></span> <table class=\"s w2be h167\" id=\"_8ad42bd1-ccc2-43d2-aa90-bd2ce82c48a5\"><tr><td></td><td class=\"c x1d1 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1132 w61 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Normalszenario </div></td><td class=\"c x1d1 y1133 w2c0 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1136 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1136 w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,58% </div></td><td class=\"c x1d5 y1136 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,68% </div></td><td class=\"c x175 y1136 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,79% </div></td></tr><tr><td class=\"c x174 y1137 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1137 w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">10,26% </div></td><td class=\"c x1d5 y1137 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,40% </div></td><td class=\"c x175 y1137 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,00% </div></td></tr><tr><td class=\"c x174 y1138 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Pessimistisches Szenario </div></td><td class=\"c x1d4 y1138 w62 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1 </div></td><td class=\"c x1d5 y1138 w63 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2 </div></td><td class=\"c x175 y1138 w64 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3 </div></td></tr></table><div class=\"gs3c\"><table class=\"s w2be h169\" id=\"_87518d39-45d2-41d4-b642-e35a4b7afe88\"><tr><td></td><td class=\"c x1d1 y113a w2c0 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y113d w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y113d w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-1,37% </div></td><td class=\"c x1d5 y113d w63 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,06% </div></td><td class=\"c x175 y113d w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,19% </div></td></tr><tr><td class=\"c x174 y113e w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y113e w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">11,84% </div></td><td class=\"c x1d5 y113e w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">4,10% </div></td><td class=\"c x175 y113e w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,69% </div></td></tr></table></div><div class=\"gs3d\"><table class=\"s w2c4 h16c\" id=\"_ce8e6a33-5e60-4ef0-9255-687fe61fd960\"><tr><td></td><td class=\"c x1d1 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1140 w65 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Optimistisches Szenario </div></td><td class=\"c x1d1 y1141 w2c0 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1143 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1143 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,20% </div></td><td class=\"c x1d5 y1143 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,15% </div></td><td class=\"c x1d7 y1143 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,40% </div></td></tr><tr><td class=\"c x174 y1144 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1144 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">6,81% </div></td><td class=\"c x1d5 y1144 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,38% </div></td><td class=\"c x1d7 y1144 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,52% </div></td></tr></table></div><div class=\"c w3 h3 gs3e\"><div class=\"t m0 x3 h5 y55e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y55f ff4 fs2 fc2 sc0 ls0 ws0\">Verlustquote bei Ausfall (LGD/<span class=\"_ _0\"></span>Loss Given Default)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y560 ff4 fs2 fc2 sc0 ls0 ws0\">Die Verlustquote bei Au<span class=\"_ _0\"></span>sfall entspricht jenem Anteil des Forderungsvolumens,<span class=\"_ _0\"></span> der im Rahmen eines Ausfalls nicht wieder-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y561 ff4 fs2 fc2 sc0 ls0 ws0\">eingebracht werden kann<span class=\"_ _0\"></span> und stellt somit den w<span class=\"_ _0\"></span>irtschaftlichen Verlust dar. Die LGD w<span class=\"_ _0\"></span>ird unterteilt in eine LGD aus besicher-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y562 ff4 fs2 fc2 sc0 ls0 ws0\">ten Kreditteilen und ein<span class=\"_ _0\"></span>e LGD aus unbesicherten Kreditteilen. Die LGD aus <span class=\"_ _0\"></span>besicherten Kreditteilen h\u00e4ngt von der Sicherh<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y563 ff4 fs2 fc2 sc0 ls0 ws0\">tenart und einer etwaigen Wertentw<span class=\"_ _0\"></span>icklung/Abschreibung im<span class=\"_ _0\"></span> Zeitverlauf ab. Je nach<span class=\"_ _0\"></span> Entwicklung des Exposures im Zeitab-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y564 ff4 fs2 fc2 sc0 ls0 ws0\">lauf sowie der Entwicklung d<span class=\"_ _0\"></span>er Sicherheiten ergeben sich im Zeitverlauf so<span class=\"_ _0\"></span>mit effektive LGDs je Laufzeitenband.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y565 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h25 y566 ffd fs2 fc2 sc0 ls0 ws0\">LGD besichert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y567 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr die Berechnung d<span class=\"_ _0\"></span>es Expected Credit Loss werden s\u00e4mtliche internen<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Sicherheiten anhand von Deckungswerten ange-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y568 ff4 fs2 fc2 sc0 ls0 ws0\">setzt. Der Unterschied zwischen d<span class=\"_ _0\"></span>em Marktwert und dem Deckungsw<span class=\"_ _0\"></span>ert der Sicherheit entspricht einem Haircut f\u00fcr Sch\u00e4t<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y538 ff4 fs2 fc2 sc0 ls0 ws0\">zunsicherheiten und Wert<span class=\"_ _0\"></span>schwankungen und kann<span class=\"_ _0\"></span> somit implizit als LGD f\u00fcr den besicherten Kreditt<span class=\"_ _1\"></span>eil interpretiert werden.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y569 ff4 fs2 fc2 sc0 ls0 ws0\">In der Berechnung des erw<span class=\"_ _0\"></span>arteten Kreditverlusts kommt es daher zu einem impliziten Splitting d<span class=\"_ _0\"></span>es Kredits in besicherte und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y539 ff4 fs2 fc2 sc0 ls0 ws0\">unbesicherte Teile. Der besichert<span class=\"_ _0\"></span>e Teil hat demnach nach Ber\u00fccksichtigung der Deckun<span class=\"_ _0\"></span>gswerte einen LGD von 0<span class=\"_ _1\"></span> %, der un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y56a ff4 fs2 fc2 sc0 ls0 ws0\">besicherte Kreditteil erh\u00e4lt<span class=\"_ _0\"></span> die Blanko LGD je nach Segment. F\u00fchrt man<span class=\"_ _0\"></span> die beiden Kreditteile zusammen ergibt sich eine Ar<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y406 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eMisch\u201c<span class=\"ff4\">-LGD je Laufzeitband<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y19c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h25 y407 ffd fs2 fc2 sc0 ls0 ws0\">LGD unbesichert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y56b ff4 fs2 fc2 sc0 ls0 ws0\">Der unbesicherte LGD stellt somit die Nicht<span class=\"_ _0\"></span>-Wiedereinbringungsqu<span class=\"_ _0\"></span>ote nach Abzug von Sicherheitenerl\u00f6s<span class=\"_ _0\"></span>en dar und ist in<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y56c ff4 fs2 fc2 sc0 ls0 ws0\">erster Linie von Erl\u00f6sen abh\u00e4n<span class=\"_ _0\"></span>gig, die aus der Betreibung und/oder Masseerl\u00f6sen r<span class=\"_ _0\"></span>esultieren.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y56d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y56e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y56f ff4 fs2 fc2 sc0 ls0 ws0\">Forderungswert bei Ausfall (EAD/E<span class=\"_ _0\"></span>xposure at <span class=\"_ _0\"></span>Default)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y570 ff4 fs2 fc2 sc0 ls0 ws0\">F\u00fcr Kredite mit bestimmter Kapitalf\u00e4lligkeit findet d<span class=\"_ _0\"></span>ie Cashflow-Sch\u00e4tzu<span class=\"_ _0\"></span>ng anhand d<span class=\"_ _0\"></span>er vertraglichen Tilgungsstruktur statt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y571 ff4 fs2 fc2 sc0 ls0 ws0\">S\u00e4mtliche Cashflows werden<span class=\"_ _0\"></span> durch die Gesch\u00e4ftsmerkmale (Saldo, H\u00f6<span class=\"_ _0\"></span>he Ratenzahlung, Tilgungsfrequenz, Zinszah<span class=\"_ _0\"></span>lungsinter-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y572 ff4 fs2 fc2 sc0 ls0 ws0\">vall, Referenzzinss\u00e4tze, F\u00e4lligkeit) s<span class=\"_ _0\"></span>owie aktuelle Marktdaten (Wechselkurse sowie Markt<span class=\"_ _0\"></span>zinss\u00e4tze) bestimmt. Cashflows aus<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y573 ff4 fs2 fc2 sc0 ls0 ws0\">Zinszahlungen werden d<span class=\"_ _0\"></span>abei aus den in den Zinskurven implizierten Terminzinsen abgeleitet.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y574 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y575 ff4 fs2 fc2 sc0 ls0 ws0\">Revolvierende Kredite weisen keine vert<span class=\"_ _0\"></span>raglich bas<span class=\"_ _0\"></span>ierten Cashflows auf. Daher ist<span class=\"_ _0\"></span> eine explizite Cashflowsch\u00e4tzun<span class=\"_ _0\"></span>g mittels<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y576 ff4 fs2 fc2 sc0 ls0 ws0\">Replikationsmodellen notw<span class=\"_ _0\"></span>endig.  </div><div class=\"t m0 x3 h5 y577 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y578 ff4 fs2 fc2 sc0 ls0 ws0\">In der Oberbank AG <span class=\"_ _0\"></span>liegen Kredite vor, die hinsichtlich der Laufzeit b. a. w. ab<span class=\"_ _0\"></span>geschlossen werden. Im Rahmen d<span class=\"_ _0\"></span>er j\u00e4hrlichen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y579 ff4 fs2 fc2 sc0 ls0 ws0\">Kreditpr\u00fcfung wird d<span class=\"_ _0\"></span>as Kreditverh\u00e4ltnis neu beurteilt und gegebenenfalls eine Anp<span class=\"_ _0\"></span>assung der Kond<span class=\"_ _0\"></span>itionen im Hinblick auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y57a ff4 fs2 fc2 sc0 ls0 ws0\">die Ver\u00e4nderung der Kr<span class=\"_ _0\"></span>editqualit\u00e4t vorgenommen. Diese Kredite sind jed<span class=\"_ _0\"></span>erzeit k\u00fcndbar. Hinsichtlich der Laufzeit wird dah<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y57b ff4 fs2 fc2 sc0 ls0 ws0\">angenommen, dass d<span class=\"_ _0\"></span>iese ein Jahr b<span class=\"_ _0\"></span>etr\u00e4gt, da jedes Jahr eine erneute Entscheidun<span class=\"_ _0\"></span>g \u00fcber die Verl\u00e4ngerung des Kredits ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y57c ff4 fs2 fc2 sc0 ls0 ws0\">troffen w<span class=\"_ _0\"></span>ird. Die Oberbank AG ist damit dem Kreditrisiko maximal ein Jahr ausgesetzt.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </div></div>Bei Kreditrahmen wird zun\u00e4chst jener T<span class=\"_ _0\"></span>eil berechnet, der derzeit nicht ausgen\u00fctzt wir<span class=\"_ _1\"></span>d. Hierbei wird der Kreditsaldo vom<span class=\"_ _128\"> </span>Rahmen abgezogen. Dieser nicht a<span class=\"_ _0\"></span>usgen\u00fctzte Kreditrahmen bleibt in weiterer Folge \u00fcber die gesamte Kreditlaufzeit kon<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>stant. Es wird dabei f\u00fcr<span class=\"_ _0\"></span> die Berechnung des Exposure at Default (EAD<span class=\"_ _0\"></span>) durchgehend ein Kreditkonversionsf<span class=\"_ _1\"></span>aktor zu Grunde<span class=\"_ _128\"> </span>gelegt. Die F\u00e4lligkeit des Kreditrahmens kor<span class=\"_ _0\"></span>respondiert dabei immer mit der Laufzeit des Kredit<span class=\"_ _0\"></span>s.<span class=\"_ _0\"></span> Entwicklung der Risikovorsorge im Lebendgesch\u00e4ft<span class=\"_ _0\"></span> Im Vergleich zum Jahresanfang steigt d<span class=\"_ _0\"></span>er Betrag der gebildeten Wertberichtigung im Lebendges<span class=\"_ _1\"></span>ch\u00e4ft (Stufe 1 und Stufe 2)<span class=\"_ _128\"> </span>um Euro 8,11 Mio. Euro.<span class=\"_ _128\"> </span>Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span>Ein gro\u00dfer Treiber f\u00fcr die H\u00f6h<span class=\"_ _0\"></span>e des Expected Credit Loss ist die Stufenbest<span class=\"_ _0\"></span>immung der einzelnen Positionen. Diese resultiert<span class=\"_ _128\"> </span>aus den bereits beschriebenen<span class=\"_ _0\"></span> qualitativen und quantitati<span class=\"_ _0\"></span>ven Stagingkriterien. Nachfolgend werden<span class=\"_ _0\"></span> die Auswirkungen auf<span class=\"_ _128\"> </span>den Expected Credit<span class=\"_ _0\"></span> Loss unter der Annahme, dass alle Positionen einerseits der Stu<span class=\"_ _0\"></span>fe 1 (12<span class=\"_ _0\"></span>-Monats-ECL) u<span class=\"_ _0\"></span>nd andererseits<span class=\"_ _128\"> </span>der Stufe 2 (Lifetime-ECL) zuge<span class=\"_ _0\"></span>wiesen werden, ausgewiesen. <span class=\"_ _0\"></span> Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table>Einstufung (Klassifizierung) <span class=\"ffb\">\u2013</span> Finanzielle Sc<span class=\"_ _0\"></span>hulden<span class=\"_ _128\"> </span>Finanzielle Verbindlichkeiten werden in<span class=\"_ _0\"></span> der Regel zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten bewertet, sofern nicht eine <span class=\"_ _1\"></span> Zuordnung zum Hand<span class=\"_ _0\"></span>elsbestand oder eine Designierun<span class=\"_ _0\"></span>g erfolgt. Solche finanziellen Verbindlichkeiten werden der Kat<span class=\"_ _0\"></span>egorie<span class=\"_ _128\"> </span>erfolgswirksam zum beizulegen<span class=\"_ _0\"></span>den Zeitwert zu<span class=\"_ _0\"></span>gerechnet. Ver\u00e4nderungen des beizulegenden Zeitwerts w<span class=\"_ _0\"></span>erden wie folgt <span class=\"_ _0\"></span> erfasst:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die Ver\u00e4nderung des beizulegend<span class=\"_ _0\"></span>en Zeitwerts, die auf \u00c4nd<span class=\"_ _0\"></span>erungen des Kreditrisikos der Schuld zur\u00fcckzuf\u00fchren ist, wird<span class=\"_ _128\"> </span></span></span>im sonstigen Ergebn<span class=\"_ _0\"></span>is dargestellt.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Die verbleibende Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts wird im Gewinn oder V<span class=\"_ _0\"></span>erlust dargestellt.<span class=\"_ _128\"> </span></span></span>Die Klassifizierung finanzieller Verbind<span class=\"_ _0\"></span>lichkeiten zur erfolgswirksamen Bewertung zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert findet immer<span class=\"_ _128\"> </span>dann statt, wenn diese Finan<span class=\"_ _0\"></span>zinstrumente mittels Zinsd<span class=\"_ _0\"></span>erivaten abgesichert werden, um eine Bewertungsin<span class=\"_ _0\"></span>kongruenz <span class=\"_ _0\"></span> zwischen Grundgesch\u00e4ft u<span class=\"_ _0\"></span>nd Derivat weitestgehend zu vermeiden (Fair Valu<span class=\"_ _0\"></span>e Option)<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Die Berechnung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts f\u00fcr verbriefte Verbindlichkeiten, Nac<span class=\"_ _0\"></span>hrangkap<span class=\"_ _0\"></span>ital und Verbindlichkeiten gegen-<span class=\"_ _128\"> </span>\u00fcber Banken und Kunden erfo<span class=\"_ _0\"></span>lgt nach der Barwertmethode (Discounted Cashflow M<span class=\"_ _0\"></span>ethode), wobei die Ermittlung der <span class=\"_ _1\"></span>Cash-<span class=\"_ _128\"> </span>flows der eigenen Emissionen auf Basis d<span class=\"_ _0\"></span>es Vertragszinssatzes erfolgt. Zur<span class=\"_ _0\"></span> Abzinsung wird die der W\u00e4h<span class=\"_ _1\"></span>rung entsprechende<span class=\"_ _128\"> </span>Diskontkurve herangezogen, wobei ein der Senior<span class=\"_ _0\"></span>it\u00e4t der Verbindlichkeit entsprechender Bonit\u00e4t<span class=\"_ _0\"></span>s<span class=\"_ _0\"></span>-Spread der Ban<span class=\"_ _0\"></span>k als Aufschlag verwendet<span class=\"_ _0\"></span> wird. Die Bonit\u00e4tsaufschl\u00e4ge werden r<span class=\"_ _0\"></span>egelm\u00e4\u00dfig an die jeweiligen Marktgegebenheiten angepasst.<span class=\"_ _128\"> </span> <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>Um die H\u00f6he der \u00c4nderun<span class=\"_ _0\"></span>g des beizulegenden Zeitwerts, der auf \u00c4n<span class=\"_ _0\"></span>derungen des Bonit\u00e4tsrisikos zur\u00fcckzuf\u00fchren ist, ermit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>teln zu k\u00f6nnen, w<span class=\"_ _0\"></span>ird die finanzielle Verbindlichkeit zweifach bewertet, ein<span class=\"_ _0\"></span>erseits auf Basis der Bonit\u00e4tsaufschl\u00e4ge zum Start<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>datum des Finan<span class=\"_ _0\"></span>zinstruments und andererseits auf Bas<span class=\"_ _0\"></span>is der Bonit\u00e4tsaufschl\u00e4ge zum Bilanzstichtag, jeweils bewert<span class=\"_ _0\"></span>et mit<span class=\"_ _128\"> </span>den aktuellen vertraglichen Cash<span class=\"_ _0\"></span>flows und der aktuellen Basis<span class=\"_ _0\"></span>-Zinskurve. D<span class=\"_ _0\"></span>er Unterschiedsbetrag stellt dabei die Wert\u00e4nde-<span class=\"_ _128\"> </span>rung dar, die auf \u00c4nderun<span class=\"_ _0\"></span>gen der Bonit\u00e4tseinsch\u00e4tzun<span class=\"_ _0\"></span>g der Bank zur\u00fcckzuf\u00fchren ist. Dieser Betrag wird im sonst<span class=\"_ _0\"></span>igen Ergebnis erfasst. Die restliche Ver\u00e4nd<span class=\"_ _0\"></span>erung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>ist dabei auf \u00c4nderungen in der <span class=\"_ _0\"></span> Zinsstrukturkurve sowie au<span class=\"_ _0\"></span>f die Restlaufzeitenverk\u00fcrzung zur\u00fcckz<span class=\"_ _0\"></span>uf\u00fchren un<span class=\"_ _0\"></span>d wird erfolgswirksam in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung dargestellt<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Sonstiger betrieblicher Erfolg<span class=\"_ _128\"> </span>Im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg werden die Ergebnisse von finanziellen Verm\u00f6genswerten a<span class=\"_ _0\"></span>us den Bewertungskategorien<span class=\"_ _128\"> </span>finanzielle Verm\u00f6genswerte zu fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffu<span class=\"_ _0\"></span>ngskosten (AC), finanzielle Verm\u00f6genswerte zu<span class=\"_ _0\"></span>m beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust (FV/PL) sow<span class=\"_ _0\"></span>ie finanzielle Verm\u00f6genswerte zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen<span class=\"_ _128\"> </span>im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) ausgewiesen. Dar\u00fcber hinaus wer<span class=\"_ _0\"></span>den in<span class=\"_ _0\"></span> dieser Position auch Ertr\u00e4ge und Au<span class=\"_ _0\"></span>fwendungen aus<span class=\"_ _128\"> </span>operationellen Risiken, Operate Leasing od<span class=\"_ _0\"></span>er Aufwendungen aus so<span class=\"_ _0\"></span>nstigen Steuern und Abgaben erfasst. <span class=\"_ _1\"></span> Forderungen an Kred<span class=\"_ _0\"></span>itinstitut<span class=\"_ _5\"></span>e <span class=\"_ _0\"></span> Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungskosten abz\u00fcglich Wertb<span class=\"_ _0\"></span>erichtigungen nach IFRS 9 angesetzt. <span class=\"_ _0\"></span> Forderungen an Kunden<span class=\"_ _0\"></span> Diese sind je nach Bewert<span class=\"_ _0\"></span>ungskategorie nach IFRS 9 mit den fortgef\u00fchrten A<span class=\"_ _0\"></span>nschaffungskosten (AC), designiert oder <span class=\"_ _0\"></span> verpflichtend zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust (FV/PL) oder zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit <span class=\"_ _0\"></span> Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis (FV/OCI) a<span class=\"_ _0\"></span>ngesetzt. Wertbericht<span class=\"_ _0\"></span>igungen nach IFRS 9 werden von d<span class=\"_ _0\"></span>er entsprechen-<span class=\"_ _128\"> </span>den Forderung ab<span class=\"_ _0\"></span>gesetzt. Ab dem Jahresabschluss 31.12.2022 werden d<span class=\"_ _0\"></span>ie Leasingforderungen netto, reduziert u<span class=\"_ _0\"></span>m Mietson-<span class=\"_ _128\"> </span>derzahlungen und<span class=\"_ _0\"></span> Depotzahlungen (Effekt 2022: \u20ac 173 Mio.) dargestellt. Di<span class=\"_ _1\"></span><span class=\"ff4\">es f\u00fchrt auch zur Reduzierung der Son<span class=\"_ _0\"></span>stigen Pas-<span class=\"_ _128\"> </span></span>siva in identer H\u00f6he.<span class=\"_ _128\"> </span>Risikovorsorgen<span class=\"_ _128\"> </span>Die Bemessung der Risikovorsorgen w<span class=\"_ _0\"></span>ird insbesondere durch Erwartungen hin<span class=\"_ _0\"></span>sichtlich zuk\u00fcnftiger Kreditausf\u00e4lle und<span class=\"_ _0\"></span> durch<span class=\"_ _128\"> </span>die Struktur und Qualit\u00e4t der Kreditp<span class=\"_ _0\"></span>ortfolios best<span class=\"_ _0\"></span>immt. Zum Wertminderun<span class=\"_ _0\"></span>gsmodell nach IFRS 9 sei auf 2.8) Finanzielle <span class=\"_ _0\"></span>Verm\u00f6gensw<span class=\"_ _0\"></span>erte und Verpflichtungen sow<span class=\"_ _0\"></span>ie Sicherungsbe-<span class=\"_ _128\"> </span>ziehungen verwiesen. Der Gesamtbetr<span class=\"_ _0\"></span>ag der Risikovorsorgen wird seit dem Gesch\u00e4ftsjahr 2020 nicht meh<span class=\"_ _0\"></span>r als eigener <span class=\"_ _0\"></span>Bi-<span class=\"_ _128\"> </span>lanzposten auf der A<span class=\"_ _0\"></span>ktivseite der Bilanz ausgewiesen, sondern gem\u00e4\u00df IAS 1 von den<span class=\"_ _0\"></span> entsprechenden Bilanzposten gek\u00fcrzt.<span class=\"_ _128\"> </span>Die Risikovorsorgen f\u00fcr au\u00dferb<span class=\"_ _0\"></span>ilanzielle Ge<span class=\"_ _5\"></span>sch\u00e4fte (insb<span class=\"_ _0\"></span>esondere Haftungen und G<span class=\"_ _0\"></span>arantien sowie sonstige Kreditzusagen)<span class=\"_ _128\"> </span>sind im Bilanzpo<span class=\"_ _0\"></span>sten R\u00fcckstellungen enthalten.<span class=\"_ _128\"> </span>Handelsaktiva<span class=\"_ _128\"> </span>Alle Handelsaktiva, das s<span class=\"_ _0\"></span>ind Wertpapiere des Handelsbestands sowie posit<span class=\"_ _0\"></span>ive Marktwerte aus derivativen Finanzinst<span class=\"_ _0\"></span>rumen-<span class=\"_ _128\"> </span>ten des Handelsbuchs u<span class=\"_ _0\"></span>nd offenen derivativen Finanzinstru<span class=\"_ _0\"></span>menten des Bankbuchs, werden mit <span class=\"_ _1\"></span>ihren Marktwerten ausge-<span class=\"_ _128\"> </span>wiesen. F\u00fcr die Ermittlun<span class=\"_ _0\"></span>g werden neben B\u00f6rsenkursen auch marktnahe Bewertungsku<span class=\"_ _0\"></span>rse herangezogen. Sind derart<span class=\"_ _0\"></span>ige<span class=\"_ _128\"> </span>Kurse nicht vorhand<span class=\"_ _0\"></span>en werden anerkannte Bewertungsmodelle verwend<span class=\"_ _0\"></span>et.<span class=\"_ _128\"> </span>Finanzanlagen<span class=\"_ _128\"> </span>Unter den Finanzan<span class=\"_ _0\"></span>lagen werden folgende Finanzinst<span class=\"_ _0\"></span>rumente ausgewiesen: Schuldverschreibu<span class=\"_ _0\"></span>ngen und andere festverzins-<span class=\"_ _128\"> </span>liche Wertpapiere, Aktien und and<span class=\"_ _0\"></span>ere nicht festverzinsliche Wertpapiere, Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, Anteile an<span class=\"_ _128\"> </span>at Equity bewertet<span class=\"_ _0\"></span>en Unternehmen, sonstige Beteiligungen.<span class=\"_ _0\"></span> Die Finanzanlagen umfassen d<span class=\"_ _0\"></span>abei die Bewertungskategorien zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten (AC), zu<span class=\"_ _0\"></span>m beizulegenden<span class=\"_ _128\"> </span>Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL), zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/OCI)<span class=\"_ _128\"> </span>sowie die Anteile an a<span class=\"_ _0\"></span>t Equity-Unternehmen. Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpapiere werden entwed<span class=\"_ _0\"></span>er zu fortgef\u00fchrten Anschaffungsko<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span>(AC), zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) oder zum beizulegenden Zeitwert<span class=\"_ _0\"></span> i<span class=\"_ _0\"></span><span class=\"ls1f\">m </span> Gewinn oder Verlust (FV/PL) zugeordnet<span class=\"_ _0\"></span>.  <span class=\"_ _7\"> </span> Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsliche Wertpapiere werden zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn o<span class=\"_ _0\"></span>der Verlust (FV/PL)<span class=\"_ _128\"> </span>oder zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) bewertet.<span class=\"_ _128\"> </span>Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen und Beteiligungen, die weder vollkon<span class=\"_ _0\"></span>solidiert noch at Equity bewertet w<span class=\"_ _0\"></span>erden, wer-<span class=\"_ _128\"> </span>den unter der Bewertungskat<span class=\"_ _0\"></span>egorie zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _0\"></span>OCI) oder<span class=\"_ _128\"> </span>zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im Gewinn oder Verlust (FV/PL) erfasst. In<span class=\"_ _0\"></span> der Bewertungskategorie zum beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust werden nur jene Anteile an verbun<span class=\"_ _0\"></span>denen Unternehmen und Beteiligungen erfasst,<span class=\"_ _0\"></span> die zum<span class=\"_ _128\"> </span>Marktwert gesteuert werden. Dies trifft v<span class=\"_ _0\"></span>or allem auf An<span class=\"_ _0\"></span>teile an Private Equity Fonds zu<span class=\"_ _0\"></span>. F\u00fcr alle anderen Anteile an verbun-<span class=\"_ _128\"> </span>denen Unternehmen und<span class=\"_ _0\"></span> Beteiligungen wurde das Wah<span class=\"_ _0\"></span>lrecht in Anspruch genommen und<span class=\"_ _0\"></span> diese der Bewertungskategorie<span class=\"_ _128\"> </span>zum beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis (FV/<span class=\"_ _1\"></span>OCI) zugeordnet.<span class=\"_ _128\"> </span>In Gesch\u00e4ftsjahr 2022 fand<span class=\"_ _0\"></span>en keine Umwidmungen zwischen den Bewertu<span class=\"_ _0\"></span>ngskategorien statt.<span class=\"_ _0\"></span> Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass ist bei Schuldtiteln dann gegeben, wenn<span class=\"_ _0\"></span> der Marktwert um mindestens 20 % unter die <span class=\"_ _0\"></span> Anschaffungskosten d<span class=\"_ _0\"></span>es Schuldtitels sinkt<span class=\"_ _0\"></span> und dies dauerhaft \u00fcber einen Zeitraum von n<span class=\"_ _0\"></span>eun Monaten der Fall ist. In der<span class=\"_ _128\"> </span>Folge wird gepr\u00fcft, ob ein Ereignis eingetreten<span class=\"_ _0\"></span> ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungsstr\u00f6me aus dem Schuld-<span class=\"_ _128\"> </span>titel hat und sich verl\u00e4sslich sch\u00e4t<span class=\"_ _0\"></span>zen l\u00e4sst. Wir<span class=\"_ _0\"></span>d festgestellt, dass bei diesem Schuldtitel innerhalb d<span class=\"_ _0\"></span>er geplanten Behaltefrist<span class=\"_ _128\"> </span>eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten nicht zu erwart<span class=\"_ _0\"></span>en ist (Ausschluss von Marktschwankungen), liegt Impair-<span class=\"_ _128\"> </span>ment vor.<span class=\"_ _128\"> </span>Anteile an at Equity b<span class=\"_ _0\"></span>ewerteten Unternehmen w<span class=\"_ _0\"></span>erden mit dem der Oberbank AG zustehenden ant<span class=\"_ _0\"></span>eiligen Eigenkapital des<span class=\"_ _128\"> </span>Beteiligungsunternehmens <span class=\"_ _0\"></span>angesetzt. Wenn objektive Hinweise f\u00fcr eine Wertmind<span class=\"_ _0\"></span>erung bei einer at Equity bewerteten Be-<span class=\"_ _128\"> </span>teiligung vorliegen, wird f\u00fcr d<span class=\"_ _0\"></span>iese Beteilig<span class=\"_ _5\"></span>ung ein individu<span class=\"_ _0\"></span>eller Nutz<span class=\"_ _0\"></span>ungswert (Valu<span class=\"_ _0\"></span>e in Use) ermittelt. Der h\u00f6here Wert aus<span class=\"_ _128\"> </span>beizulegendem Zeitwert ab<span class=\"_ _0\"></span>z\u00fcglich der Verkaufskosten und Nutzungswert stellt d<span class=\"_ _0\"></span>en erzielbaren Betrag gem\u00e4\u00df IAS 36.6 dar<span class=\"_ _128\"> </span>und dieser ist f\u00fcr die Bewertung heranzu<span class=\"_ _0\"></span>ziehen. Der Anlass f\u00fcr eine Impairment<span class=\"_ _0\"></span>-Pr<span class=\"_ _0\"></span>\u00fcfung ist gegeben, wenn<span class=\"_ _0\"></span> entweder der<span class=\"_ _128\"> </span>Marktwert um mindesten<span class=\"_ _0\"></span>s 20 % unter den At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert sinkt oder wenn der Marktwert dauerhaft min<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>destens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von 9 Monaten unter dem At<span class=\"_ _0\"></span>-Equity-Beteiligungsbuchw<span class=\"_ _0\"></span>ert liegt.<span class=\"_ _128\"> </span>Zum Bewertungssticht<span class=\"_ _0\"></span>ag 31.12.2022 war der qu<span class=\"_ _0\"></span>antitative Impairment Trigger bei der at Equity bewerteten Beteiligung an<span class=\"_ _0\"></span> der voestalpine AG ausgel\u00f6st<span class=\"_ _0\"></span>, da der B\u00f6rsenkurs am 31.12.2022 mit \u20ac 24,78 signifikant<span class=\"_ _0\"></span> um 41,28 % unter den at Equity<span class=\"_ _1\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span>Buchkurs in H\u00f6he von \u20ac 42,20 gefallen i<span class=\"_ _0\"></span><span class=\"ff4\">st. </span>Damit wurde eine Wertminderungsp<span class=\"_ _0\"></span>r\u00fcfung ausgel\u00f6st, bei der der individuelle Nutzungsw<span class=\"_ _0\"></span>ert (Value in Use) der voestalpine<span class=\"_ _128\"> </span>AG zum 31.12.2022 ermittelt wu<span class=\"_ _0\"></span>rde. Der Nutzungswert wurde nach dem Discou<span class=\"_ _0\"></span>nted Cash Flow Verfahren unter Anwendun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>des WACC-Ansatzes (gewogene<span class=\"_ _0\"></span> durchschnittliche Kap<span class=\"_ _0\"></span>italkosten) berechnet und ergab einen Wert in H\u00f6he von 551.247 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Euro. Dieser Wert wurde als erzielbarer Betrag als h<span class=\"_ _0\"></span>\u00f6herer Wert aus dem Vergleich zwischen Nut<span class=\"_ _0\"></span>zungswert und beizulegen-<span class=\"_ _128\"> </span>dem Zeitwert abz\u00fcglich Verkau<span class=\"_ _0\"></span>fskosten h<span class=\"_ _0\"></span>erangezogen, was zu einem Wertminderungsaufw<span class=\"_ _0\"></span>and in H\u00f6he von 54.640 Tsd.<span class=\"_ _128\"> </span>Euro f\u00fchrte. Als Diskontierungszinssatz wurd<span class=\"_ _0\"></span>e im Terminal Value ein WACC (Weighted Average Cost<span class=\"_ _0\"></span> of Capital) von 7,07 %<span class=\"_ _128\"> </span>herangezogen. Eine \u00c4nd<span class=\"_ _0\"></span>erung des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 25 Basispun<span class=\"_ _0\"></span>kte h\u00e4tte eine Reduzierung um 5,98 % b<span class=\"_ _0\"></span>zw.<span class=\"_ _128\"> </span>Erh\u00f6hung des Nut<span class=\"_ _0\"></span>zungswertes um 6,53 % und eine \u00c4nderun<span class=\"_ _0\"></span>g des Diskontierungszinssatzes um +/<span class=\"_ _0\"></span>- 50 Bas<span class=\"_ _0\"></span>ispunkte h\u00e4tt<span class=\"_ _0\"></span>e eine<span class=\"_ _128\"> </span>Reduzierung um 11,48 %<span class=\"_ _0\"></span> bzw. Erh\u00f6hung des Nutzungswertes um 13,69 % zu<span class=\"_ _0\"></span>r Folge. <span class=\"_ _0\"></span> Bei den <span class=\"lsd\">at</span>-Equ<span class=\"_ _0\"></span>ity bewerteten Beteiligungen an der BKS Bank AG und<span class=\"_ _0\"></span> der Bank f\u00fcr Tirol und Vorarlberg AG l\u00f6st der B\u00f6rsen-<span class=\"_ _128\"> </span>kurs aufgrund der Illiquidit\u00e4t d<span class=\"_ _0\"></span>er Aktien keinen Impairment<span class=\"_ _0\"></span>-Trigger aus. Sofern nicht s<span class=\"_ _0\"></span>onstige objektive Hinweise f\u00fcr eine<span class=\"_ _128\"> </span>Wertminderung vorliegen, st<span class=\"_ _0\"></span>ellt das anteilige Eigenkapital dieser Beteiligungen den<span class=\"_ _0\"></span> erzielbaren Betrag dar. Aus Gr\u00fcnden<span class=\"_ _0\"></span> der<span class=\"_ _128\"> </span>Sorgfalt erfolgt eine indikat<span class=\"_ _0\"></span>ive Bewertung dieser Wertans\u00e4tze auf Basis eines Dividend<span class=\"_ _1\"></span>-Discount Models (DDM) zum Bilanz-<span class=\"_ _128\"> </span>stichtag. Der Unternehmensw<span class=\"_ _0\"></span>ert wird<span class=\"_ _0\"></span> hier unter Ber\u00fccksichtigung der m\u00f6glichen zuk\u00fcnftigen Untern<span class=\"_ _0\"></span>ehmensergebnisse und<span class=\"_ _128\"> </span>notwendiger regulatorischer E<span class=\"_ _0\"></span>igenmittelerfordernisse als Barwert ermittelt.<span class=\"_ _0\"></span> Die Sch\u00e4tzungen der zuk\u00fcnft<span class=\"_ _0\"></span>igen Ergebnisse beruhen auf d<span class=\"_ _0\"></span>er vom jeweiligen Aufsichtsrat genehmigten<span class=\"_ _0\"></span> Mit<span class=\"_ _0\"></span>telfristplanung.<span class=\"_ _128\"> </span>Die Herleitung des Abzinsun<span class=\"_ _0\"></span>gsfaktors erfolgt auf Basis von extern beobachtbaren Fakt<span class=\"_ _0\"></span>oren. <span class=\"_ _0\"></span> Aus den indikativen<span class=\"_ _0\"></span> Bewertungen w\u00fcrde auch bei ausgel\u00f6st<span class=\"_ _0\"></span>em Impairment<span class=\"_ _0\"></span>-Trigger kein Wertminderungserfordernis <span class=\"_ _0\"></span> resultieren. <span class=\"_ _7\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-420": {
   "value": "Wertminderungen b<span class=\"_ _0\"></span>ei Anteilen an at Equity<span class=\"_ _0\"></span>-Unternehmen<span class=\"_ _128\"> </span> Wenn objektive Hinweise auf eine Wertmind<span class=\"_ _0\"></span>erung bei einem Anteil an at Equity<span class=\"_ _0\"></span>-U<span class=\"_ _0\"></span>nternehmen vorliegen, wird auf Basis<span class=\"_ _128\"> </span> gesch\u00e4tzter zuk\u00fcn<span class=\"_ _0\"></span>ftiger Zahlungsstr\u00f6me der erzielbare Betrag ermittelt (siehe auch No<span class=\"_ _0\"></span>te 2.10). Der Pr\u00fcfungsanlass ist  <span class=\"_ _0\"></span> gegeben, wenn entwed<span class=\"_ _0\"></span>er der Marktwert um mindestens 20 % unter die An<span class=\"_ _0\"></span>schaffungskosten sinkt oder wenn der Markt-<span class=\"_ _128\"> </span>wert dauerhaft mindest<span class=\"_ _0\"></span>ens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von neun Monaten unter den Anschaffungskosten liegt. D<span class=\"_ _0\"></span>etails zu den<span class=\"_ _128\"> </span> Buchwerten von Ant<span class=\"_ _0\"></span>eilen an at Equity-Unt<span class=\"_ _0\"></span>ernehmen werden in Note 17 (Finanzanlagen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-389": {
   "value": "Wertminderungen b<span class=\"_ _0\"></span>ei Anteilen an at Equity<span class=\"_ _0\"></span>-Unternehmen<span class=\"_ _128\"> </span> Wenn objektive Hinweise auf eine Wertmind<span class=\"_ _0\"></span>erung bei einem Anteil an at Equity<span class=\"_ _0\"></span>-U<span class=\"_ _0\"></span>nternehmen vorliegen, wird auf Basis<span class=\"_ _128\"> </span> gesch\u00e4tzter zuk\u00fcn<span class=\"_ _0\"></span>ftiger Zahlungsstr\u00f6me der erzielbare Betrag ermittelt (siehe auch No<span class=\"_ _0\"></span>te 2.10). Der Pr\u00fcfungsanlass ist  <span class=\"_ _0\"></span> gegeben, wenn entwed<span class=\"_ _0\"></span>er der Marktwert um mindestens 20 % unter die An<span class=\"_ _0\"></span>schaffungskosten sinkt oder wenn der Markt-<span class=\"_ _128\"> </span>wert dauerhaft mindest<span class=\"_ _0\"></span>ens \u00fcber einen Zeitrau<span class=\"_ _0\"></span>m von neun Monaten unter den Anschaffungskosten liegt. D<span class=\"_ _0\"></span>etails zu den<span class=\"_ _128\"> </span> Buchwerten von Ant<span class=\"_ _0\"></span>eilen an at Equity-Unt<span class=\"_ _0\"></span>ernehmen werden in Note 17 (Finanzanlagen) d<span class=\"_ _0\"></span>argestellt",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-469": {
   "value": "Wertminderung b<span class=\"_ _0\"></span>ei Schuldtiteln<span class=\"_ _128\"> </span> Der Impairment<span class=\"_ _0\"></span>-Pr\u00fcfungsanlass bei Schuldtiteln ist gegeben, wenn d<span class=\"_ _0\"></span>er Marktwert um mindestens 20 % unter d<span class=\"_ _0\"></span>ie  Anschaffungskosten sinkt u<span class=\"_ _0\"></span>nd dies dauerhaft \u00fcber einen Zeitraum von<span class=\"_ _0\"></span> neun Monaten der Fall ist.<span class=\"_ _0\"></span> Zu jedem Bilanzstichtag w<span class=\"_ _0\"></span>ird gepr\u00fcft, ob ein Ereignis eingetreten <span class=\"_ _0\"></span>ist, das eine Auswirkung auf die zuk\u00fcnft<span class=\"_ _0\"></span>igen Zahlungs-<span class=\"_ _128\"> </span>str\u00f6me hat und sich verl\u00e4sslich ermitteln l\u00e4sst<span class=\"_ _0\"></span>. Wird festgestellt, dass eine Wertaufholung b<span class=\"_ _0\"></span>is zu den Anschaffungskosten<span class=\"_ _128\"> </span> innerhalb der geplant<span class=\"_ _0\"></span>en Behaltefrist nicht zu erwarten ist, liegt Impairment vor.<span class=\"_ _0\"></span> Wertminderung <span class=\"ffb\">\u2013</span> Finanzielle V<span class=\"_ _0\"></span>erm\u00f6genswerte und vertragliche Verm\u00f6<span class=\"_ _0\"></span>genswerte<span class=\"_ _0\"></span> IFRS 9 basiert auf einem zukun<span class=\"_ _0\"></span>ftsorientierten Modell der \u201eerwarteten Kr<span class=\"_ _0\"></span>editausf\u00e4lle\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> Dies erfordert erhebliche Ermessens-<span class=\"_ _128\"> </span></span>entscheidungen b<span class=\"_ _0\"></span>ez\u00fcglich der Frage, inwieweit die erwarteten Kreditausf\u00e4lle durch Ver\u00e4nderungen d<span class=\"_ _0\"></span>er wirtschaftlichen Fak-<span class=\"_ _128\"> </span>toren beeinflusst werden. D<span class=\"_ _0\"></span>iese Einsch\u00e4tzung wird auf Grundlage gewichteter <span class=\"_ _0\"></span>Wahrscheinlich<span class=\"_ _0\"></span>keiten bestimmt. <span class=\"_ _0\"></span>Das Wert-<span class=\"_ _128\"> </span>minderungsmod<span class=\"_ _0\"></span>ell nach IFRS 9 ist auf finanzielle Verm\u00f6genswerte anzuwenden<span class=\"_ _0\"></span>, die zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _128\"> </span>oder zu FV/OCI bew<span class=\"_ _0\"></span>ertet werden sowie auf vertragliche Verm\u00f6genswert<span class=\"_ _0\"></span>e und au\u00dferbilanzielle Instrument<span class=\"_ _0\"></span>e, wie \u00fcbernom-<span class=\"_ _128\"> </span>mene Haftungen un<span class=\"_ _0\"></span>d unwiderrufliche Kreditzusagen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Diese werden je nach \u00c4nderu<span class=\"_ _0\"></span>ng des Kreditrisikos zwischen jenem im Zeitpun<span class=\"_ _0\"></span>kt der <span class=\"_ _0\"></span>erstmaligen Erfassung und<span class=\"_ _0\"></span> dem jeweils<span class=\"_ _128\"> </span>aktuellen Kreditrisiko zum Bewertu<span class=\"_ _0\"></span>ngsstichtag, entweder in Stufe 1, Stu<span class=\"_ _0\"></span>fe 2, oder Stufe 3 <span class=\"_ _0\"></span>zugeteilt:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 1 enth\u00e4lt<span class=\"_ _0\"></span> grunds\u00e4tzlich neu zugegangenen Finanzinstrumente so<span class=\"_ _0\"></span>wie jene, f\u00fcr die kein signifikanter Risikoan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span></span>stieg seit dem erstmaligen Ansatz festgestellt w<span class=\"_ _0\"></span>urde. Weiters werden alle Finanzinst<span class=\"_ _0\"></span>rumente, die zum Bilanzie-<span class=\"_ _128\"> </span>rungsstichtag ein abso<span class=\"_ _0\"></span>lut definiertes geringes Kreditrisiko (Ratingklassen AA b<span class=\"_ _0\"></span>is 1b) aufweisen, als Ausnahme vom<span class=\"_ _128\"> </span>relativen Ansatz immer der Stu<span class=\"_ _0\"></span>fe 1 zugeordnet (IFRS 9.5.5.10). Diese Logik wird nu<span class=\"_ _0\"></span>r auf das Low<span class=\"_ _0\"></span>-Default-Portfolio<span class=\"_ _128\"> </span>f\u00fcr die Segmente Staaten und Banken a<span class=\"_ _0\"></span>ngewandt. Die Low<span class=\"_ _0\"></span> Credit Risk Exempt<span class=\"_ _0\"></span>ion trifft somit auf ein Portfolio zu,<span class=\"_ _128\"> </span>das man gemeinhin als \u201eIn<span class=\"_ _0\"></span>vestment Grade\u201c bezeichnen w\u00fcrde (mittlere PD d<span class=\"_ _0\"></span>er Ratingklasse entspricht S&amp;P<span class=\"_ _1\"></span><span class=\"ff4\">-\u00e4quiva-<span class=\"_ _128\"> </span></span>lenten Ratings bis BBB-<span class=\"lsb\">).</span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 2 enth\u00e4lt<span class=\"_ _0\"></span> Instrumente, f\u00fcr die eine signifikante Erh\u00f6<span class=\"_ _0\"></span>hung des Kreditrisikos s<span class=\"_ _0\"></span>eit dem erstmaligen Ansatz statt-<span class=\"_ _128\"> </span></span></span>gefunden hat. Bei Leasingkontrakten w<span class=\"_ _0\"></span>ird ein IFRS 9 Wahlrecht ausge\u00fcbt und diese Gesch\u00e4fte werd<span class=\"_ _0\"></span>en daher immer Stufe 2 zuge-<span class=\"_ _128\"> </span>ordnet.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Stufe 3 wird dem Non-Perfo<span class=\"_ _0\"></span>rming Portfolio zugeordnet. B<span class=\"_ _0\"></span>efindet sich ein Kreditnehmer im Ausfall (intern<span class=\"_ _0\"></span>e Rating-<span class=\"_ _128\"> </span></span></span>stufen 5a, 5b oder 5c), w<span class=\"_ _0\"></span>ird der Kredit Stufe 3 zugewiesen. Die Oberbank AG wendet<span class=\"_ _0\"></span> f\u00fcr alle Forderungsklassen<span class=\"_ _128\"> </span>und Risikomodelle einheitlich und<span class=\"_ _0\"></span> konsistent die Ausfallsdefinition gem\u00e4\u00df Artikel 178 der Vero<span class=\"_ _0\"></span>rdnung (E<span class=\"_ _0\"></span>U) Nr<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>575/2013 (CRR) an. Diese basiert a<span class=\"_ _0\"></span>uf dem 90-Tage-Verzug bzw. einer w<span class=\"_ _0\"></span>ahrscheinlichen Uneinbringlichkeit einer<span class=\"_ _128\"> </span>Forderung.<span class=\"_ _128\"> </span>Die Ausnahme von d<span class=\"_ _0\"></span>em Dreistufenansatz sind Verm\u00f6genswerte, die bereits bei Zugan<span class=\"_ _0\"></span>g wertgemindert sind (sogenannte<span class=\"_ _128\"> </span>\u201ePOCI\u201c <span class=\"ff4\">- Assets). Diese bilden g<span class=\"_ _0\"></span>em\u00e4\u00df IFRS 9 Vorgaben eine eigene Kat<span class=\"_ _0\"></span>egorie.<span class=\"_ _128\"> </span></span>Segmentierung<span class=\"_ _128\"> </span>Das Kreditportfolio der Ob<span class=\"_ _0\"></span>erbank wird im Wertberichtigungsmodell nach IFRS 9 in die folgenden<span class=\"_ _0\"></span> f\u00fcnf Segmente untert<span class=\"_ _0\"></span>eilt:<span class=\"_ _128\"> </span>Sovereign, Banken, Corpor<span class=\"_ _0\"></span>ates, SME sowie Retail. Der Hintergrund der Segmentierung liegt in der Zu<span class=\"_ _0\"></span>grundelegung unter-<span class=\"_ _128\"> </span>schiedlicher Sch\u00e4tzungen d<span class=\"_ _0\"></span>er relevanten Kreditrisikop<span class=\"_ _0\"></span>arameter. Die Unterteilung in die einzelnen Segmente find<span class=\"_ _0\"></span>et dabei auf<span class=\"_ _128\"> </span>Basis der gew\u00e4hlten R<span class=\"_ _0\"></span>atingverfahren statt. Das Gesamteinstufungskon<span class=\"_ _0\"></span>zept der Oberbank basiert auf qualitativen, quant<span class=\"_ _0\"></span>itativen und Backstop<span class=\"_ _1\"></span>-Kriterien.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 1 und 2 <span class=\"_ _0\"></span> Nach IFRS 9 werden Wertberichtigungen a<span class=\"_ _0\"></span>uf einer der nachstehenden Grundlagen b<span class=\"_ _0\"></span>ewertet:<span class=\"_ _0\"></span> 12<span class=\"ls0\">-Monats<span class=\"_ _0\"></span>-Kreditausf\u00e4lle: Die Bildung der Risikovorsorge erfolgt in H\u00f6h<span class=\"_ _0\"></span>e des 12<span class=\"_ _0\"></span>-Monats-Kreditverlusts und die Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span></span>des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobuchwerts unter Anwendung d<span class=\"_ _0\"></span>er Effektivzinssatzmethode (f\u00fcr Stu<span class=\"_ _0\"></span>fe 1 Instru-<span class=\"_ _128\"> </span>mente)<span class=\"_ _128\"> </span>Ausfallbetrachtun<span class=\"_ _0\"></span>g \u00fcber die Gesamtlaufzeit des Kredits: Hierbei handelt es sich um erw<span class=\"_ _0\"></span>artete Kreditausf\u00e4lle aufgrund aller<span class=\"_ _128\"> </span>m\u00f6glichen Ausfallereignisse w\u00e4<span class=\"_ _0\"></span>hrend der erwarteten Laufzeit eines Finanzinst<span class=\"_ _0\"></span>ruments. Die Bildung d<span class=\"_ _0\"></span>er Risikovorsorge er-<span class=\"_ _128\"> </span>folgt in H\u00f6he der erwart<span class=\"_ _0\"></span>eten Verluste bezogen auf die Restlaufzeit des Finanzinstru<span class=\"_ _0\"></span>ments (Life<span class=\"_ _0\"></span>-time-ECL) und die Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags er<span class=\"_ _0\"></span>folgt auf Basis des Bruttobu<span class=\"_ _0\"></span>chwerts unter Anwendung der Effektivzin<span class=\"_ _0\"></span>smethode (f\u00fcr Instrumente der<span class=\"_ _128\"> </span>Stufe 2)<span class=\"_ _128\"> </span>Quantitative Kriterien f\u00fcr einen Stufent<span class=\"_ _0\"></span>ransfer<span class=\"_ _128\"> </span>Die Beurteilung der signifikanten E<span class=\"_ _0\"></span>rh\u00f6hung des Kreditrisikos stellt eine zentrale Stellschraube des 3<span class=\"_ _1\"></span>-Stufen-Modells in d<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Wertminderungsvorschrift<span class=\"_ _0\"></span>en des IFRS 9 dar, da bei einer signifikanten Erh<span class=\"_ _0\"></span>\u00f6hung des Kreditrisikos die Wertminderung \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>die Gesamtlaufzeit des Finanzinst<span class=\"_ _0\"></span>ruments (Lifetime ECL) zu erfassen ist<span class=\"_ _0\"></span>. Das wesentliche Merkmal f\u00fcr<span class=\"_ _0\"></span> die Bestimmung des Kreditri<span class=\"_ _0\"></span>sikos eines Finanzinstru<span class=\"_ _0\"></span>ments ist dabei das interne Rating des<span class=\"_ _128\"> </span>Schuldners. Bei der Er<span class=\"_ _0\"></span>stellung des Ratings werden f\u00fcr das Corporate Portfolio auch E<span class=\"_ _0\"></span>SG<span class=\"_ _0\"></span>-Risiken ber\u00fccksicht<span class=\"_ _0\"></span>igt. Hinter dem<span class=\"_ _128\"> </span>Rating des Schuldn<span class=\"_ _0\"></span>ers steht dabei immer eine Ausfallsrate je Ratingklas<span class=\"_ _0\"></span>se. Diese leitet sich f\u00fcr d<span class=\"_ _0\"></span>ie Low-Default<span class=\"_ _0\"></span>-Portfolios<span class=\"_ _128\"> </span>(Staaten und Banken) au<span class=\"_ _0\"></span>s der bankinternen Masterskala ab<span class=\"_ _0\"></span>. F\u00fcr die wesentlichen Kundensegmente Corp<span class=\"_ _0\"></span>orates, Retail und<span class=\"_ _128\"> </span>SME leiten sich diese aus den<span class=\"_ _0\"></span> realisierten Ausfallraten der jeweiligen Migration<span class=\"_ _0\"></span>smatri<span class=\"_ _0\"></span>zen ab. Dieses bildet die Basis f\u00fcr d<span class=\"_ _0\"></span>ie<span class=\"_ _128\"> </span>Beurteilung, ob und wan<span class=\"_ _0\"></span>n ein signifikanter Anstieg des Kreditrisikos stattgefund<span class=\"_ _0\"></span>en hat. <span class=\"_ _0\"></span> Das quantitative Transferkr<span class=\"_ _0\"></span>iterium in der Oberbank AG basiert auf einer Analyse der kumulierten Ausfallsw<span class=\"_ _0\"></span>ahrscheinlichkei-<span class=\"_ _128\"> </span>ten <span class=\"lsb\">(L</span>ifetime PDs). Die folgenden<span class=\"_ _0\"></span> Variablen beeinflussen die Ermittlu<span class=\"_ _0\"></span>ng einer relativen PD<span class=\"_ _0\"></span>-Verschlechterung:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Kundensegment;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rating bei Zugang d<span class=\"_ _0\"></span>es Finanzinstruments;<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Restlaufzeit (Vergleich zwischen Bilanzst<span class=\"_ _0\"></span>ichtag und Vertragsende);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Alter des Finanzinstruments (Vergleich zwischen Zu<span class=\"_ _0\"></span>gangsdatum und<span class=\"_ _0\"></span> Bilanzstichtag).<span class=\"_ _128\"> </span></span></span>Zur \u00dcberpr\u00fcfung der Signifikanz einer Kredit<span class=\"_ _0\"></span>risikoerh\u00f6hung dient dabei ein Vergleich der Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeit zum<span class=\"_ _128\"> </span>erstmaligen Bilanzansatz mit d<span class=\"_ _0\"></span>er Ausfallswahrscheinlichkeit zum Bewertungsstichtag <span class=\"_ _0\"></span>(IFRS 9.5.5.9). Dab<span class=\"_ _0\"></span>ei ist die Lifetime PD<span class=\"_ _128\"> </span>der aktuellen Ratingeinstufung \u00fcber d<span class=\"_ _0\"></span>ie verbleibende Restlaufzeit heranzuziehen. D<span class=\"_ _0\"></span>ies erfolgt mittels eines Vergleichs der<span class=\"_ _128\"> </span>Lifetime PD im aktuellen Ratingstad<span class=\"_ _0\"></span>ium \u00fcber die noch verbleibende Restlaufzeit mit d<span class=\"_ _0\"></span>er Forw<span class=\"_ _0\"></span>ard Lifetime PD im Ratin<span class=\"_ _0\"></span>gsta-<span class=\"_ _128\"> </span>dium bei Zugang \u00fcber ebend<span class=\"_ _0\"></span>iese Laufzeit. Das Kriterium der Zuordnun<span class=\"_ _0\"></span>g zu Stufe 1 und 2 basiert damit haupts\u00e4chlich auf einem relativen Kr<span class=\"_ _0\"></span>iterium und nicht auf der<span class=\"_ _128\"> </span>absoluten Kreditrisikoeinsch\u00e4t<span class=\"_ _0\"></span>zung zu jedem Beurteilungszeitpunk<span class=\"_ _0\"></span>t (IFRS 9.B5.5.9). <span class=\"_ _0\"></span> Als Backstop und aufgrund<span class=\"_ _0\"></span> der Analyse des relativen Transferkriteriums wurde unabh\u00e4n<span class=\"_ _0\"></span>gig von der Struktur der Migrations-<span class=\"_ _128\"> </span>matrix entschieden, d<span class=\"_ _0\"></span>ass ein Stufentransfer jedenfalls dann ausgel\u00f6st werden mu<span class=\"_ _0\"></span>ss, wenn sich der Kredit seit Zugang <span class=\"_ _1\"></span>um<span class=\"_ _128\"> </span>mindestens drei Ratingstu<span class=\"_ _0\"></span>fen verschoben hat. Bei sehr langen Restlaufzeiten und<span class=\"_ _0\"></span> sehr guten Ratings kann es aufgrund des<span class=\"_ _128\"> </span>\u201eDrifts zur Mitte\u201c bei der marginalen P<span class=\"_ _0\"></span>D dazu kommen, dass selbst b<span class=\"_ _0\"></span>ei Downgrades von mehreren Ratingstufen d<span class=\"_ _0\"></span>as relative<span class=\"_ _128\"> </span>Transferkriterium an<span class=\"_ _0\"></span>sonsten nicht erreicht wird.<span class=\"_ _128\"> </span>Ein R\u00fccktransfer in eine b<span class=\"_ _0\"></span>essere Stufe wird dann vorgenommen, wenn die Krit<span class=\"_ _0\"></span>erien, die zu einer Abstufung gef\u00fchrt haben<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span>nicht mehr zutreffen. Auf<span class=\"_ _0\"></span>- und Abstufungen w<span class=\"_ _0\"></span>erden somit symmetrisch behand<span class=\"_ _0\"></span>elt. Ein R\u00fccktransfer au<span class=\"_ _0\"></span>s Stage 2 erfolgt bei-<span class=\"_ _128\"> </span>spielsweise, sobald keine signifikant<span class=\"_ _0\"></span>e Erh\u00f6hung des Ausfallrisikos mehr vorliegt. Ma\u00dfstab ist<span class=\"_ _0\"></span> wiederum der Vergleich des<span class=\"_ _128\"> </span>Ausfallrisikos bei Zugan<span class=\"_ _0\"></span>g mit dem Ausfallrisiko zum betreffenden Bilanzsticht<span class=\"_ _0\"></span>ag.<span class=\"_ _0\"></span> Das Wertberichtigungsmod<span class=\"_ _0\"></span>ell der Oberbank AG bezieht sich sowohl in<span class=\"_ _0\"></span> der Berechnung der Risikovorsorge als auch in der<span class=\"_ _128\"> </span>Beurteilung des Stu<span class=\"_ _0\"></span>fentransfers immer auf das Einzelgesch\u00e4ft. Dies bedeutet, dass d<span class=\"_ _0\"></span>ie relevanten Kreditrisikoparameter PD<span class=\"_ _128\"> </span>(Ausfallswahrscheinlichkeit), LGD <span class=\"_ _0\"></span>(Verlust bei Ausfall) sow<span class=\"_ _0\"></span>ie EAD (Obligo bei Ausfall) sich immer a<span class=\"_ _0\"></span>uf einen einzelnen Kredit-<span class=\"_ _128\"> </span>nehmer beziehen und<span class=\"_ _0\"></span> sich von einem einzelnen Gesch\u00e4ft ableiten.<span class=\"_ _0\"></span> Qualitative Kriterien f\u00fcr einen Stufentran<span class=\"_ _0\"></span>sfer<span class=\"_ _128\"> </span>Ein Finanzinstrument mit Nachsicht (<span class=\"_ _0\"></span>Forbearance) wird in<span class=\"_ _0\"></span> jedem Fall der Stufe 2 zugewiesen, sofern sich die Forderung n<span class=\"_ _0\"></span>icht<span class=\"_ _128\"> </span>ohnehin schon im Au<span class=\"_ _0\"></span>sfall befindet. W\u00e4hrend der gesamten Bew\u00e4h<span class=\"_ _0\"></span>rungsphase wird somit f\u00fcr diese Forderun<span class=\"_ _0\"></span>gen ein Lifetime<span class=\"_ _128\"> </span>Expected Loss angesetzt.<span class=\"_ _0\"></span> Die widerlegbare Vermutun<span class=\"_ _0\"></span>g bei einer 30-t\u00e4gigen \u00dcberf\u00e4lligkeit<span class=\"_ _0\"></span> f\u00fchrt als qualitatives Kriterium zu einem Stufent<span class=\"_ _0\"></span>ransfer (IFRS<span class=\"_ _128\"> </span>9.5.5.11). Das bedeutet<span class=\"_ _0\"></span>, dass Instrumente sp\u00e4testens dann d<span class=\"_ _0\"></span>er Stufe 2 zuzuweisen sind, sobald der Zah<span class=\"_ _0\"></span>lungsverzug von Kapi-<span class=\"_ _128\"> </span>tal und/oder Zinszah<span class=\"_ _0\"></span>lungen 30 Tage \u00fcbersteigt. <span class=\"ff5\"> </span>Ebenso werden Fremdw<span class=\"_ _0\"></span>\u00e4hrungskredite mit w\u00e4hrungsinkongruentem Einkommen und Kr<span class=\"_ _0\"></span>edite mit Tilgungstr\u00e4gern im Le-<span class=\"_ _128\"> </span>bendgesch\u00e4ft in jedem Fall der St<span class=\"_ _0\"></span>ufe 2 zugewiesen. Durch W\u00e4hrun<span class=\"_ _0\"></span>gsschwankungen sowie Schwankungen in<span class=\"_ _0\"></span> den Sicherhei-<span class=\"_ _128\"> </span>tenwerten bei Tilgun<span class=\"_ _0\"></span>gstr\u00e4gern ist mit h\u00f6heren Risiken der Schuldenbed<span class=\"_ _0\"></span>ienbarkeit zu rechnen als bei konvent<span class=\"_ _0\"></span>ionellen Kredit-<span class=\"_ _128\"> </span>best\u00e4nden. Neben den modellimmanenten qu<span class=\"_ _0\"></span>alitativen Faktoren f\u00fcr einen Stufentr<span class=\"_ _0\"></span>ansfer wendet die Oberbank AG aufgrund<span class=\"_ _0\"></span> der anhal-<span class=\"_ _128\"> </span>tenden Energiekrise, hoh<span class=\"_ _0\"></span>en Inflation und<span class=\"_ _0\"></span> steigenden Zinsen als Folge des Ukraine<span class=\"_ _0\"></span>-Krieges per 31.12.2022 auch einen kol-<span class=\"_ _128\"> </span>lektiven Stufentransfer in die Stufe 2 f\u00fcr gew<span class=\"_ _0\"></span>isse Teilportfolios an.<span class=\"_ _0\"></span> Grund daf\u00fcr sind die hohen En<span class=\"_ _0\"></span>ergiepreise bei Gas, welche sich zwar k\u00fcrzlich an<span class=\"_ _0\"></span> den Energiem\u00e4rk<span class=\"_ _0\"></span>ten a<span class=\"_ _0\"></span>ufgrund hoher Lager-<span class=\"_ _128\"> </span>st\u00e4nde entspannt<span class=\"_ _0\"></span> haben, jedoch f\u00fcr den Endkunden noch hoch sind<span class=\"_ _0\"></span>. Dar\u00fcber hinaus k\u00f6nnen eine neuerliche starke Verteue-<span class=\"_ _128\"> </span>rung bzw. ein g\u00e4nzlicher Gasstop n<span class=\"_ _0\"></span>icht ausgeschlossen, sowie die Folgen f\u00fcr, vo<span class=\"_ _0\"></span>n Gas abh\u00e4ngigen Kunden, unter einem<span class=\"_ _1\"></span> welt-<span class=\"_ _128\"> </span>weiten Konjunkturabschw<span class=\"_ _0\"></span>ung, nur schwer abgesch\u00e4tzt werden.<span class=\"_ _0\"></span> Ein weiter Grund sind der starke Zinsanst<span class=\"_ _0\"></span>ieg, sowie die derzeit vorherrschende hohe Inflat<span class=\"_ _0\"></span>ion. Insbesondere kann es dadurch<span class=\"_ _128\"> </span>im Bereich der Immobilienprojektfinan<span class=\"_ _0\"></span>zierungen mit gewerblichen Hyp<span class=\"_ _0\"></span>othekarsicherh<span class=\"_ _0\"></span>eiten zu Verz\u00f6gerungen beim Projekt-<span class=\"_ _128\"> </span>fortschritt kommen und<span class=\"_ _0\"></span> es besteht die Gefahr, dass die gestiegenen Einkaufspreise bzw. Gest<span class=\"_ _0\"></span>ehungskosten nicht weiterver-<span class=\"_ _128\"> </span>rechnet werden k\u00f6nnen. Folglich k\u00f6<span class=\"_ _0\"></span>nnen hohe Risiken bei der R\u00fcckzahlungsf\u00e4h<span class=\"_ _0\"></span>igkeit bei Kr<span class=\"_ _0\"></span>editen entstehen, da sich die Bau-<span class=\"_ _128\"> </span>wirtschaft seit dem 2.Quartal 2022 in einer Schw<span class=\"_ _0\"></span>\u00e4chephase befindet<span class=\"_ _0\"></span> und die hohen Baukosten die Nachfrage un<span class=\"_ _0\"></span>d Investitio-<span class=\"_ _128\"> </span>nen in Bauprojekt<span class=\"_ _0\"></span>e d\u00e4mpfen.<span class=\"_ _128\"> </span>Vor diesem Hintergrund ers<span class=\"_ _0\"></span>cheint es bei folgenden Portfolios der Segmente C<span class=\"_ _0\"></span>orpor<span class=\"_ _0\"></span>ates und SME notwendig, die erwartete<span class=\"_ _128\"> </span>Erh\u00f6hung des Kreditrisikos vor\u00fcbergehend<span class=\"_ _0\"></span> \u00fcber den kollektiven Stufentransfer anzuw<span class=\"_ _0\"></span>enden:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer, bei denen im Zu<span class=\"_ _0\"></span>ge einer portfolio\u00fcbergreifenden E<span class=\"_ _0\"></span>inzelanalyse eine Gasabh\u00e4ngig-<span class=\"_ _128\"> </span></span></span>keit festgestellt werden konnt<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _2f\"> </span><span class=\"ff4\">Forderungen an Kreditnehmer im Bereich der Immobilienpr<span class=\"_ _0\"></span>ojekte mit gewerblichen Hypo<span class=\"_ _0\"></span>thekarsicherheiten.<span class=\"_ _0\"></span> </span></span>Der Zeitpunkt des Wegfalls bzw. einer Redu<span class=\"_ _0\"></span>ktion des kollektiven Stu<span class=\"_ _0\"></span>fentransfers h\u00e4ngt in erster Linie von der weiteren Pr<span class=\"_ _0\"></span>eis-<span class=\"_ _128\"> </span>entwicklung b<span class=\"_ _0\"></span>ei Rohstoffen, dem Abflauen des In<span class=\"_ _0\"></span>flationsdrucks sowie der Entwicklung der Verbraucherpreise ab. <span class=\"_ _0\"></span> Wegfall Covid 19 Staging<span class=\"_ _128\"> </span>Auf Grund des Abflau<span class=\"_ _0\"></span>ens der Covid 19 Pandemie und des Wegfalls der Einschr\u00e4nku<span class=\"_ _0\"></span>ngen wurde das damit verbundene kol-<span class=\"_ _128\"> </span>lektive Stufentra<span class=\"_ _0\"></span>nsfer beendet. Details k\u00f6nn<span class=\"_ _0\"></span>en der Note 2.2 entnommen werden.<span class=\"_ _128\"> </span>Wertberichtigungen f\u00fcr Stufe 3 (No<span class=\"_ _0\"></span>n-Performing Loans)<span class=\"_ _0\"></span> Non-Performing Loan<span class=\"_ _0\"></span>s werden der Stufe 3 zugeordn<span class=\"_ _0\"></span>et. Die Bildung einer Risikovorsorge erfolgt kon<span class=\"_ _0\"></span>zernweit in H\u00f6he der<span class=\"_ _128\"> </span>erwarteten Verluste, wenn zu<span class=\"_ _0\"></span> bef\u00fcrchten ist, dass die KundInnen ihren Kreditverpflichtungen nicht im v<span class=\"_ _0\"></span>ollen Umfang nach-<span class=\"_ _128\"> </span>kommen. F\u00fcr notleidende Kredit<span class=\"_ _0\"></span>e erfolgt d<span class=\"_ _0\"></span>ie Risikovorsorgen-Bildun<span class=\"_ _0\"></span>g gem\u00e4\u00df IFRS 9 5.5 mittels der D<span class=\"_ _0\"></span>iscounted Cash<span class=\"_ _0\"></span>-Flow<span class=\"_ _128\"> </span>Methode in H\u00f6he des erw<span class=\"_ _0\"></span>arteten Verlustes bezogen auf die Restlaufzeit (Lifetime<span class=\"_ _0\"></span>-Expected C<span class=\"_ _0\"></span>redit Loss (E<span class=\"_ _0\"></span>CL)) und Berech-<span class=\"_ _128\"> </span>nung des Zinsertrags auf Basis des Netto<span class=\"_ _0\"></span>buchwertes unter Anw<span class=\"_ _0\"></span>endung der E<span class=\"_ _0\"></span>ffektivzinssatzmethode. F\u00fcr a<span class=\"_ _0\"></span>lle nicht bedeutsa-<span class=\"_ _128\"> </span>men notleidenden Kr<span class=\"_ _0\"></span>edite wird mittels eines Expertenverfahrens f\u00fcr die Unterdeckung eine Risikovor<span class=\"_ _0\"></span>sorge errechnet. Diese<span class=\"_ _128\"> </span>betr\u00e4gt f\u00fcr bereits gek\u00fcndigte Kredite, bei den<span class=\"_ _0\"></span>en die Sicherheiten verwertet<span class=\"_ _0\"></span> w<span class=\"_ _0\"></span>erden, 100% der Unterdeckung. F\u00fcr den Rest werden abh<span class=\"_ _0\"></span>\u00e4ngig von Ausfallsgrund und Ausfallsstat<span class=\"_ _0\"></span>us zwischen 20% und 100% der Unterd<span class=\"_ _0\"></span>eckung als Risiko-<span class=\"_ _128\"> </span>vorsorge angesetzt.  <span class=\"_ _7\"> </span> Direktabschreibung von Non-P<span class=\"_ _0\"></span>erforming Loans Wenn ein Ereignis eintritt, welches die E<span class=\"_ _0\"></span>inbringlichmachung eines Teiles eines Obligos oder ei<span class=\"_ _0\"></span>nes Gesamtobligos un<span class=\"_ _0\"></span>m\u00f6glich<span class=\"_ _128\"> </span>macht, und keine oder kein<span class=\"_ _0\"></span>e ausreichende Risikovorsorge vorhanden<span class=\"_ _0\"></span> ist, wird der uneinbringliche Saldo direkt gegen die<span class=\"_ _128\"> </span>GuV ausgebucht (D<span class=\"_ _0\"></span>irektabschreibung). Solche Ereignisse k<span class=\"_ _0\"></span>\u00f6nnen u.a. sein: -<span class=\"_ _18\"> </span><span class=\"ff4\">Ausbuchung d<span class=\"_ _0\"></span>es Restsaldos nach Abweisung oder Abschluss <span class=\"_ _0\"></span>eines Insolvenzverfahrens und / oder nach Verwertung<span class=\"_ _128\"> </span></span>aller zur Verf\u00fcgung stehender Sicherheiten;<span class=\"_ _128\"> </span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Nachlassabhandlu<span class=\"_ _0\"></span>ng ohne Verm\u00f6gen und Sicherheiten;<span class=\"_ _128\"> </span></span>-<span class=\"_ _18\"> </span><span class=\"ff4\">Umschuldun<span class=\"_ _0\"></span>g mit Gew\u00e4hrung eines Nachlasses (Vergleichsverein<span class=\"_ _0\"></span>barung).<span class=\"_ _128\"> </span></span>ECL Berechnung<span class=\"_ _128\"> </span>In der Oberbank AG <span class=\"_ _0\"></span>gilt das Wertminderungsmodell nach IFRS 9 f\u00fcr folgende An<span class=\"_ _0\"></span>wendungsbereiche:<span class=\"_ _0\"></span> \u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">finanzielle Verm\u00f6genswerte, die zu fort<span class=\"_ _0\"></span>gef\u00fchrten Anschaffungskosten oder erfolgsneu<span class=\"_ _0\"></span>tral zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _128\"> </span></span>bewertet werden,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Leasingforderungen,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">unwiderrufliche Kreditzusa<span class=\"_ _0\"></span>gen und Finanzgarantien.<span class=\"_ _128\"> </span></span>Der Expected Credit Lo<span class=\"_ _0\"></span>ss ist in der Oberbank AG eine wahrscheinlichkeitsgewichtete Sch\u00e4tzun<span class=\"_ _0\"></span>g des Verlusts \u00fcber die ersten<span class=\"_ _128\"> </span>zw\u00f6lf Monate (Stufe 1)<span class=\"_ _0\"></span> oder \u00fcber die erwartete Restlaufzeit des Finan<span class=\"_ _0\"></span>zinstruments (Stufe 2). Er ist<span class=\"_ _0\"></span> sozusagen der Barwert<span class=\"_ _128\"> </span>der Differenz aus vertraglich vereinbarten<span class=\"_ _0\"></span> Cashflows und erwarteten Cas<span class=\"_ _0\"></span>hflows. Die Berechnung des erwarteten Verlu<span class=\"_ _0\"></span>sts<span class=\"_ _128\"> </span>beinhaltet dabei<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">einen erwartungsgetreu<span class=\"_ _0\"></span>en und wahrscheinlichkeitsgewichteten Betrag, <span class=\"_ _0\"></span>der durch Betrachtung m\u00f6glicher Szenarien be-<span class=\"_ _128\"> </span></span>stimmt wird,<span class=\"_ _128\"> </span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">den Zeitwert des Geldes,<span class=\"_ _128\"> </span></span>\u2022<span class=\"_ _3b\"> </span><span class=\"ff4\">Informationen \u00fcber vergan<span class=\"_ _0\"></span>gene Ereignisse, aktuelle Bedingungen und Prognosen k\u00fcn<span class=\"_ _0\"></span>ftiger wirtschaftlicher <span class=\"_ _0\"></span>Bedingun<span class=\"_ _0\"></span>gen.<span class=\"_ _128\"> </span></span>De<span class=\"ws1\">r <span class=\"ws2\">maximale <span class=\"ws3\">Ze</span></span></span>itrau<span class=\"ws4\">m, </span>f\u00fc<span class=\"ws1\">r <span class=\"ws2\">d</span></span>e<span class=\"ws5\">n <span class=\"ws6\">d</span></span>e<span class=\"ws7\">r <span class=\"ws2\">E</span></span>xpecte<span class=\"ws8\">d <span class=\"ws6\">Cr</span></span>edi<span class=\"ws6\">t Lo<span class=\"ws2\">ss </span></span>bestim<span class=\"ws9\">mt <span class=\"ws2\">w</span></span>ird<span class=\"wsa\">, <span class=\"wsb\">is<span class=\"wsc\">t <span class=\"ws6\">d</span></span></span></span>abei d<span class=\"wsd\">ie <span class=\"wse\">V</span></span>ertragslaufzeit<span class=\"wsf\">, <span class=\"wsb\">\u00fc</span></span>be<span class=\"ws7\">r <span class=\"ws2\">d</span></span>e<span class=\"ws10\">n <span class=\"wse\">d</span></span>ie<span class=\"_ _128\"> </span>Oberbank A<span class=\"ws11\">G </span>einem Kreditr<span class=\"ws12\">isiko </span>au<span class=\"wsb\">s </span>dem Finan<span class=\"_ _0\"></span>zinstrumen<span class=\"ws13\">t <span class=\"ws6\">a</span></span>usgeset<span class=\"ws11\">zt ist<span class=\"wsb\">. </span></span>Nu<span class=\"ws14\">r <span class=\"ws2\">b</span></span>ei revolvierende<span class=\"ws8\">n <span class=\"ws6\">Kr</span></span>edite<span class=\"ws15\">n </span>wir<span class=\"ws15\">d </span>de<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>ar-<span class=\"_ _128\"> </span>tet<span class=\"ws15\">e <span class=\"ws3\">Kr</span></span>editverlus<span class=\"wsc\">t <span class=\"ws6\">f\u00fc<span class=\"ws1\">r <span class=\"ws2\">ei</span></span></span></span>ne<span class=\"ws5\">n <span class=\"ws6\">Ze</span></span>itraum b<span class=\"_ _0\"></span>estimmt<span class=\"ws16\">, </span>de<span class=\"ws1\">r <span class=\"ws2\">u</span></span>nte<span class=\"ws17\">r </span>Umst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"ws8\">n <span class=\"ws6\">l\u00e4</span></span>nge<span class=\"ws7\">r <span class=\"ws2\">a</span></span>ls d<span class=\"wsd\">ie <span class=\"wse\">v</span></span>ertraglich<span class=\"ws15\">e <span class=\"ws3\">Lau</span></span>fze<span class=\"ws18\">it <span class=\"ws2\">ist<span class=\"ws19\">. </span></span></span>De<span class=\"ws1\">r <span class=\"ws2\">erw</span></span>artete<span class=\"_ _128\"> </span>Verlust <span class=\"ws1a\">setzt <span class=\"ws1b\">sich <span class=\"ws1c\">aus <span class=\"ws0\">drei Komponenten <span class=\"ws6\">zusammen:<span class=\"_ _128\"> </span></span></span></span></span></span>ECL = PD x LGD x EAD<span class=\"_ _128\"> </span>(PD: Ausfallswahrscheinlichkeit; LGD: Los<span class=\"wsb\">s </span>give<span class=\"ws1d\">n <span class=\"ws6\">D</span></span>efault/<span class=\"_ _0\"></span>Verlus<span class=\"wsc\">t <span class=\"ws6\">b</span></span>ei Ausfall in <span class=\"ws1b\">% <span class=\"ws6\">d</span></span>e<span class=\"wsb\">s </span>EA<span class=\"ws1e\">D <span class=\"ws2\">a</span></span>usgegeben; EAD: Exposur<span class=\"ws1f\">e <span class=\"ws3\">a</span></span>t<span class=\"_ _128\"> </span>Default/Offene<span class=\"ws1\">r <span class=\"ws2\">Bet</span></span>rag im Zeitpun<span class=\"_ _0\"></span>k<span class=\"ws6\">t d</span>e<span class=\"wsb\">s </span>Ausfalls de<span class=\"wsb\">s </span>Kredits)<span class=\"_ _128\"> </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6genswert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St</span></span></span>u<span class=\"ws21\">fe <span class=\"wsb\">2 </span></span>u<span class=\"_ _0\"></span>n<span class=\"ws5\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>d<span class=\"ws22\">amit <span class=\"ws2\">ei</span></span>nhergeh<span class=\"_ _0\"></span>ende<span class=\"ws5\">n <span class=\"ws6\">Ber</span></span>echnung de<span class=\"wsb\">s </span>Lifetim<span class=\"ws23\">e <span class=\"ws3\">E</span></span>xpecte<span class=\"ws5\">d <span class=\"ws6\">Cr</span></span>e-<span class=\"_ _128\"> </span>d<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>entsprich<span class=\"ws13\">t <span class=\"ws6\">d</span></span>ie<span class=\"wsb\">s </span>de<span class=\"ws24\">r <span class=\"ws2\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">d</span></span>e<span class=\"wsb\">s </span>Kontrakt<span class=\"ws25\">s. </span>Im Fall <span class=\"ws3\">d</span>e<span class=\"ws1\">r <span class=\"ws2\">E</span></span>inteilung de<span class=\"wsb\">s </span>Verm\u00f6gensw<span class=\"_ _0\"></span>ert<span class=\"wsb\">s <span class=\"ws20\">in <span class=\"ws11\">St<span class=\"ws26\">age </span></span></span>1 </span>(12<span class=\"_ _0\"></span>-Monat<span class=\"_ _0\"></span>s-ECL)<span class=\"_ _128\"> </span>wir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span>fze<span class=\"ws25\">it <span class=\"ws22\">mit <span class=\"ws2\">ei</span></span></span>nem Jah<span class=\"ws1\">r <span class=\"ws2\">b</span></span>eschr\u00e4n<span class=\"_ _0\"></span>kt<span class=\"wsb\">. </span>Lie<span class=\"ws28\">gt <span class=\"ws11\">d<span class=\"ws27\">ie <span class=\"wse\">Lau</span></span></span></span>fze<span class=\"ws18\">it <span class=\"ws2\">u</span></span>nte<span class=\"ws1\">r <span class=\"ws2\">ei</span></span>nem Jahr<span class=\"wsf\">, <span class=\"wsb\">s<span class=\"ws1e\">o <span class=\"ws2\">w<span class=\"_ _0\"></span></span></span></span></span>ir<span class=\"ws15\">d </span>d<span class=\"ws27\">ie <span class=\"wse\">t</span></span>ats\u00e4chlich<span class=\"ws1f\">e <span class=\"ws3\">R</span></span>estlaufze<span class=\"ws18\">it <span class=\"ws2\">f\u00fc<span class=\"ws1\">r </span>d<span class=\"_ _0\"></span></span></span>ie<span class=\"_ _128\"> </span>Berechnung heran<span class=\"_ _0\"></span>gezogen<span class=\"ws19\">. </span>De<span class=\"ws17\">r <span class=\"wsd\">E</span></span>xpecte<span class=\"ws29\">d <span class=\"ws6\">Cr</span></span>ed<span class=\"ws18\">it <span class=\"ws2\">Loss </span></span>nac<span class=\"ws2a\">h <span class=\"wse\">I</span></span>FRS 9 ist <span class=\"ws6\">d</span>ab<span class=\"_ _0\"></span>ei e<span class=\"ws2b\">in <span class=\"ws11\">d</span></span>iskontierte<span class=\"ws1\">r <span class=\"ws2\">We</span></span>rt<span class=\"wsb\">. </span>Hierf\u00fc<span class=\"ws2c\">r <span class=\"ws2\">w</span></span>ir<span class=\"ws8\">d <span class=\"ws6\">d</span></span>e<span class=\"ws17\">r </span>jeweilige<span class=\"_ _128\"> </span>EL je <span class=\"ws2d\">P</span>eriod<span class=\"ws15\">e <span class=\"ws22\">mit <span class=\"ws2\">d</span></span></span>em Diskontfakt<span class=\"_ _0\"></span>o<span class=\"ws1\">r <span class=\"ws2\">j<span class=\"ws15\">e <span class=\"ws3\">P</span></span></span></span>eriod<span class=\"ws15\">e <span class=\"ws3\">mu</span></span>ltipliziert<span class=\"wsb\">. </span>De<span class=\"ws2c\">r <span class=\"ws2\">D</span></span>iskontfakto<span class=\"ws17\">r <span class=\"wsd\">b<span class=\"_ _0\"></span></span></span>einhalte<span class=\"ws2e\">t </span>dabei de<span class=\"ws5\">n <span class=\"ws6\">E</span></span>ffektivzinssatz de<span class=\"wsb\">s </span>Ver-<span class=\"_ _128\"> </span>m\u00f6genswerts.<span class=\"_ _128\"> </span>Wesentlich<span class=\"ws1c\">e <span class=\"wsb\">I</span></span>nputparameter<span class=\"_ _128\"> </span>Ausfallswahrscheinlichke<span class=\"ws18\">it <span class=\"ws2\">(P</span></span>D/Probabilit<span class=\"ws2\">y </span>of Default)<span class=\"ws2f\"> </span>D<span class=\"ws27\">ie <span class=\"wse\">A</span></span>usfallswahr<span class=\"_ _0\"></span>scheinlichke<span class=\"ws30\">it </span>wir<span class=\"ws8\">d <span class=\"ws31\">in <span class=\"ws32\">ei</span></span></span>nem Basisszenar<span class=\"ws11\">io </span>f\u00fc<span class=\"ws17\">r </span>d<span class=\"ws33\">ie <span class=\"wse\">Se</span></span>gment<span class=\"ws15\">e <span class=\"ws3\">Co</span></span>rpo<span class=\"_ _0\"></span>rate<span class=\"ws7\">s, <span class=\"ws2\">SM<span class=\"ws34\">E </span></span></span>un<span class=\"ws8\">d <span class=\"ws6\">R</span></span>etail au<span class=\"wsb\">s </span>de<span class=\"ws15\">n </span>histori-<span class=\"_ _128\"> </span>sche<span class=\"ws5\">n <span class=\"ws6\">A</span></span>usfallsrate<span class=\"ws35\">n </span>un<span class=\"ws8\">d <span class=\"ws6\">M<span class=\"_ _0\"></span></span></span>igrationswahrscheinlichkeite<span class=\"ws5\">n <span class=\"ws6\">a</span></span>bgeleitet.<span class=\"_ _128\"> </span>Je Segment und Ratingstufe werd<span class=\"_ _0\"></span>en die Ausfallswahrscheinlichkeiten f\u00fcr untersch<span class=\"_ _0\"></span>iedliche Laufzeiten (Lifetime PD) aus d<span class=\"_ _0\"></span>em<span class=\"_ _128\"> </span>Ausfallsvektor der Migrationsmatrix au<span class=\"_ _0\"></span>sgelesen. F\u00fcr die Segmente Banken und<span class=\"_ _1\"></span> Sovereign wird die Ausfallswahrscheinlichkeit<span class=\"_ _128\"> </span>direkt aus den internen R<span class=\"_ _0\"></span>atings und somit aus der bankinternen Masterskala abgeleitet.<span class=\"_ _0\"></span> F\u00fcr die Ermittlung der historischen Ausfallsr<span class=\"_ _0\"></span>aten und Migrationswahrscheinlichkeiten f\u00fcr d<span class=\"_ _0\"></span>as zentrale Kundenkreditportfoli<span class=\"_ _1\"></span><span class=\"ls12\">o<span class=\"_ _128\"> </span></span>werden Migrationsmatrizen f\u00fcr die jeweiligen Segmen<span class=\"_ _0\"></span>te berechnet. Hierbei wird jeweils der Zeitrau<span class=\"_ _0\"></span>m der letzten zehn Jahre<span class=\"_ _128\"> </span>betrachtet. Als Basis zur<span class=\"_ _0\"></span> Bestimmung der 1-Jah<span class=\"_ _0\"></span>res-Migrationsmatrix dient zuerst eine qu<span class=\"_ _0\"></span>artalsweise Betrachtung von Rating-<span class=\"_ _128\"> </span>migrationen.<span class=\"_ _128\"> </span>Die 1-Jahres-Migrationsmatrix w<span class=\"_ _0\"></span>ird anhand einer Matrixmultiplikation<span class=\"_ _0\"></span> von vier aufeinander folgenden Quart<span class=\"_ _0\"></span>alen ermittelt.<span class=\"_ _128\"> </span>Die endg\u00fcltige 1-Jahres-Migrat<span class=\"_ _0\"></span>ionsmatrix ist dab<span class=\"_ _0\"></span>ei der Mittelwert \u00fcber alle ermittelten Migrationsmatr<span class=\"_ _0\"></span>izen. Die 1<span class=\"_ _0\"></span>-Jahres-PD<span class=\"_ _128\"> </span>pro Ratingklasse ist d<span class=\"_ _0\"></span>abei die Summe der PD aus den drei Default Rat<span class=\"_ _0\"></span>ingklassen 5a, 5b und 5c. Kumulierte bzw. Lifetime PD<span class=\"_ _128\"> </span>werden mittels d<span class=\"_ _0\"></span>er Markov-Annahme von Migrationsmat<span class=\"_ _0\"></span>rizen mittels Matrizenmultiplikation gebildet. Daraus ergeben s<span class=\"_ _0\"></span>ich<span class=\"_ _128\"> </span>pro Segment und Rat<span class=\"_ _0\"></span>ingklasse PD-Kurven. F\u00fcr einzelne Segmente und Laufzeitb\u00e4n<span class=\"_ _0\"></span>der werden diese bedingten Basis<span class=\"_ _0\"></span>-PD,<span class=\"_ _0\"></span> die sich aus der Through The Cycle Migrations-<span class=\"_ _128\"> </span>matrix ergeben, angepasst, um zukun<span class=\"_ _0\"></span>ftsgerichtete Informationen einflie\u00dfen zu lassen. Diese so<span class=\"_ _0\"></span>genannte Point<span class=\"_ _1\"></span>-<span class=\"ls19\">In</span>-Time-An-<span class=\"_ _128\"> </span>passung (PIT-Anpassu<span class=\"_ _0\"></span>ng) findet statt indem durch stat<span class=\"_ _0\"></span>istische Modelle versucht wird, Zusammenh\u00e4nge zwischen der A<span class=\"_ _0\"></span>us-<span class=\"_ _128\"> </span>fallswahrscheinlichkeit und erkl\u00e4r<span class=\"_ _0\"></span>enden makro\u00f6konomischen Variab<span class=\"_ _0\"></span>len herzustellen. <span class=\"_ _0\"></span> Als statistisches Modell wird eine logistische Regression <span class=\"_ _0\"></span>verw<span class=\"_ _0\"></span>endet, wodurch die Ausfallswahrscheinlichkeit progn<span class=\"_ _0\"></span>ostiziert<span class=\"_ _128\"> </span>wird. Die Regressionsp<span class=\"_ _0\"></span>arameter werden durch Maximierung der Likelihood Fun<span class=\"_ _0\"></span>ktion gesch\u00e4tzt. Als wesent<span class=\"_ _0\"></span>liche makro\u00f6ko-<span class=\"_ _128\"> </span>nomische Variablen gehen d<span class=\"_ _0\"></span>er harmonisierte Verbraucherpreisindex (CPI), sowi<span class=\"_ _1\"></span>e das Wachstum des Bruttoinland<span class=\"_ _0\"></span>sproduktes<span class=\"_ _128\"> </span>(BIP) ins Modell ein. Bei den Faktor<span class=\"_ _0\"></span>en CPI und BIP findet eine L\u00e4ndergewichtung statt. <span class=\"_ _0\"></span>Dabei werden die L\u00e4nder \u00d6sterreich,<span class=\"_ _128\"> </span>Deutschland, Tschechien, Ungar<span class=\"_ _0\"></span>n und Slowakei ber\u00fccksichtigt, in denen<span class=\"_ _0\"></span> die Oberbank AG t\u00e4tig<span class=\"_ _0\"></span> ist. Wobei die Fakto<span class=\"_ _0\"></span>ren f\u00fcr<span class=\"_ _128\"> </span>\u00d6sterreich mit 66%, f\u00fcr Deutschland mit<span class=\"_ _0\"></span> 19%, f\u00fcr Tschechien mit 8% sow<span class=\"_ _0\"></span>ie, f\u00fcr Ungarn und Slowakei mit 4% bzw. mit<span class=\"_ _0\"></span> 3%<span class=\"_ _128\"> </span>gewichtet werden.<span class=\"_ _128\"> </span>Zur Modellwahl wird d<span class=\"_ _0\"></span>as Informationskritierium nach Akaike (AIC) verwendet, wobei die Variab<span class=\"_ _0\"></span><span class=\"ff9\">len mit<span class=\"_ _0\"></span>tels \u201eStepwise Selek-<span class=\"_ _128\"> </span></span>tion\u201c selektiert werden.<span class=\"ff4\"> </span>Anhand dieser gesch\u00e4tzten<span class=\"_ _0\"></span> Faktoren wird die PD in den Segmenten Corporat<span class=\"_ _0\"></span>e, Retail und SME mittels Skalarans\u00e4tzen ange-<span class=\"_ _128\"> </span>passt. In den Segmenten Sovereign und<span class=\"_ _0\"></span> Banken konnten keine plausiblen Korrelation<span class=\"_ _0\"></span>en mit<span class=\"_ _0\"></span> makro\u00f6konomischen Fakt<span class=\"_ _0\"></span>oren<span class=\"_ _128\"> </span>hergeleitet werden.<span class=\"_ _128\"> </span>Die Oberbank verw<span class=\"_ _0\"></span>endet f\u00fcr die ECL-Berechnung drei un<span class=\"_ _0\"></span>terschiedliche Szenarien (Normal<span class=\"_ _0\"></span>-, Up- und Downszenar<span class=\"_ _0\"></span>io), wobei<span class=\"_ _128\"> </span>die schlussendliche Anpas<span class=\"_ _0\"></span>sung einer Linearkombination der drei unterschiedlichen Szenarien<span class=\"_ _1\"></span> gleichkommt. Die Szenarioge-<span class=\"_ _128\"> </span>wichtung orientiert sich an<span class=\"_ _0\"></span> der derzeit g\u00e4ngigen Praxis, dass das Normalszenario mit 50%<span class=\"_ _0\"></span> Prozent und die beiden anderen<span class=\"_ _128\"> </span>Szenarien jeweils mit 25% gewichtet<span class=\"_ _0\"></span> werden. F\u00fcr die Szenarien bedient sich d<span class=\"_ _0\"></span>ie Oberbank makro\u00f6konomischer Da<span class=\"_ _1\"></span>ten des<span class=\"_ _128\"> </span>Informationsdienstleisters Bloomberg. Dab<span class=\"_ _0\"></span>ei ist festzuhalten, dass nur f\u00fcr<span class=\"_ _0\"></span> 3 Jahre wirtschaftlich sinnvolle Prognosen vorhan<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>den sind. Folgende Tabelle zeigt die l\u00e4ndergewichteten makr<span class=\"_ _0\"></span>o\u00f6konomischen Faktor<span class=\"_ _0\"></span>en, die in die ECL<span class=\"_ _0\"></span>-Berechnung f\u00fcr<span class=\"_ _0\"></span> die Segmente<span class=\"_ _128\"> </span>Corporates, Retail und<span class=\"_ _0\"></span> SME per 31. Dezember 2022 eingehen:<span class=\"_ _0\"></span> <table class=\"s w2be h167\" id=\"_8ad42bd1-ccc2-43d2-aa90-bd2ce82c48a5\"><tr><td></td><td class=\"c x1d1 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1131 w2bf h168\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1132 w61 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Normalszenario </div></td><td class=\"c x1d1 y1133 w2c0 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1133 w2c1 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1134 w2c2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y1135 w2c3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1136 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1136 w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,58% </div></td><td class=\"c x1d5 y1136 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,68% </div></td><td class=\"c x175 y1136 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">1,79% </div></td></tr><tr><td class=\"c x174 y1137 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1137 w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">10,26% </div></td><td class=\"c x1d5 y1137 w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,40% </div></td><td class=\"c x175 y1137 w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,00% </div></td></tr><tr><td class=\"c x174 y1138 w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Pessimistisches Szenario </div></td><td class=\"c x1d4 y1138 w62 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1 </div></td><td class=\"c x1d5 y1138 w63 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2 </div></td><td class=\"c x175 y1138 w64 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3 </div></td></tr></table><table class=\"s w2be h169\" id=\"_87518d39-45d2-41d4-b642-e35a4b7afe88\"><tr><td></td><td class=\"c x1d1 y113a w2c0 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113a w2c1 h16a\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113b w2c2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d3 y113c w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y113d w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y113d w62 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-1,37% </div></td><td class=\"c x1d5 y113d w63 h26\"><div class=\"t m0 x85 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">-0,06% </div></td><td class=\"c x175 y113d w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,19% </div></td></tr><tr><td class=\"c x174 y113e w61 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y113e w62 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">11,84% </div></td><td class=\"c x1d5 y113e w63 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">4,10% </div></td><td class=\"c x175 y113e w64 h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,69% </div></td></tr></table><table class=\"s w2c4 h16c\" id=\"_ce8e6a33-5e60-4ef0-9255-687fe61fd960\"><tr><td></td><td class=\"c x1d1 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 2<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113f w2bf h16d\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Jahr 3<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1140 w65 h65\"><div class=\"t m0 x7 h5 y54c ff4 fs2 fc2 sc0 ls0 ws0\">Optimistisches Szenario </div></td><td class=\"c x1d1 y1141 w2c0 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1141 w2c1 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">(4 <span class=\"_ _3c\"> </span>Quartals-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y113b w2c2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">durch-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x1d1 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d2 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td><td class=\"c x1d6 y1142 w2c3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">schnitt)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1143 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Reales BIP Wachstum </div></td><td class=\"c x1d4 y1143 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,20% </div></td><td class=\"c x1d5 y1143 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,15% </div></td><td class=\"c x1d7 y1143 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,40% </div></td></tr><tr><td class=\"c x174 y1144 w65 h26\"><div class=\"t m0 x7 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Harmonisierter Ver<span class=\"_ _0\"></span>braucherpreisindex </div></td><td class=\"c x1d4 y1144 w66 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">6,81% </div></td><td class=\"c x1d5 y1144 w67 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,38% </div></td><td class=\"c x1d7 y1144 w68 h26\"><div class=\"t m0 x70 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">0,52% </div></td></tr></table>Verlustquote bei Ausfall (LGD/<span class=\"_ _0\"></span>Loss Given Default)<span class=\"_ _128\"> </span>Die Verlustquote bei Au<span class=\"_ _0\"></span>sfall entspricht jenem Anteil des Forderungsvolumens,<span class=\"_ _0\"></span> der im Rahmen eines Ausfalls nicht wieder-<span class=\"_ _128\"> </span>eingebracht werden kann<span class=\"_ _0\"></span> und stellt somit den w<span class=\"_ _0\"></span>irtschaftlichen Verlust dar. Die LGD w<span class=\"_ _0\"></span>ird unterteilt in eine LGD aus besicher-<span class=\"_ _128\"> </span>ten Kreditteilen und ein<span class=\"_ _0\"></span>e LGD aus unbesicherten Kreditteilen. Die LGD aus <span class=\"_ _0\"></span>besicherten Kreditteilen h\u00e4ngt von der Sicherh<span class=\"_ _0\"></span>ei-<span class=\"_ _128\"> </span>tenart und einer etwaigen Wertentw<span class=\"_ _0\"></span>icklung/Abschreibung im<span class=\"_ _0\"></span> Zeitverlauf ab. Je nach<span class=\"_ _0\"></span> Entwicklung des Exposures im Zeitab-<span class=\"_ _128\"> </span>lauf sowie der Entwicklung d<span class=\"_ _0\"></span>er Sicherheiten ergeben sich im Zeitverlauf so<span class=\"_ _0\"></span>mit effektive LGDs je Laufzeitenband.<span class=\"_ _0\"></span> LGD besichert<span class=\"_ _128\"> </span>F\u00fcr die Berechnung d<span class=\"_ _0\"></span>es Expected Credit Loss werden s\u00e4mtliche internen<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Sicherheiten anhand von Deckungswerten ange-<span class=\"_ _128\"> </span>setzt. Der Unterschied zwischen d<span class=\"_ _0\"></span>em Marktwert und dem Deckungsw<span class=\"_ _0\"></span>ert der Sicherheit entspricht einem Haircut f\u00fcr Sch\u00e4t<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>zunsicherheiten und Wert<span class=\"_ _0\"></span>schwankungen und kann<span class=\"_ _0\"></span> somit implizit als LGD f\u00fcr den besicherten Kreditt<span class=\"_ _1\"></span>eil interpretiert werden.<span class=\"_ _128\"> </span>In der Berechnung des erw<span class=\"_ _0\"></span>arteten Kreditverlusts kommt es daher zu einem impliziten Splitting d<span class=\"_ _0\"></span>es Kredits in besicherte und<span class=\"_ _128\"> </span>unbesicherte Teile. Der besichert<span class=\"_ _0\"></span>e Teil hat demnach nach Ber\u00fccksichtigung der Deckun<span class=\"_ _0\"></span>gswerte einen LGD von 0<span class=\"_ _1\"></span> %, der un-<span class=\"_ _128\"> </span>besicherte Kreditteil erh\u00e4lt<span class=\"_ _0\"></span> die Blanko LGD je nach Segment. F\u00fchrt man<span class=\"_ _0\"></span> die beiden Kreditteile zusammen ergibt sich eine Ar<span class=\"_ _0\"></span>t<span class=\"_ _128\"> </span>\u201eMisch\u201c<span class=\"ff4\">-LGD je Laufzeitband<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span></span>LGD unbesichert<span class=\"_ _128\"> </span>Der unbesicherte LGD stellt somit die Nicht<span class=\"_ _0\"></span>-Wiedereinbringungsqu<span class=\"_ _0\"></span>ote nach Abzug von Sicherheitenerl\u00f6s<span class=\"_ _0\"></span>en dar und ist in<span class=\"_ _128\"> </span>erster Linie von Erl\u00f6sen abh\u00e4n<span class=\"_ _0\"></span>gig, die aus der Betreibung und/oder Masseerl\u00f6sen r<span class=\"_ _0\"></span>esultieren.<span class=\"_ _128\"> </span>Forderungswert bei Ausfall (EAD/E<span class=\"_ _0\"></span>xposure at <span class=\"_ _0\"></span>Default)<span class=\"_ _128\"> </span>F\u00fcr Kredite mit bestimmter Kapitalf\u00e4lligkeit findet d<span class=\"_ _0\"></span>ie Cashflow-Sch\u00e4tzu<span class=\"_ _0\"></span>ng anhand d<span class=\"_ _0\"></span>er vertraglichen Tilgungsstruktur statt.<span class=\"_ _128\"> </span>S\u00e4mtliche Cashflows werden<span class=\"_ _0\"></span> durch die Gesch\u00e4ftsmerkmale (Saldo, H\u00f6<span class=\"_ _0\"></span>he Ratenzahlung, Tilgungsfrequenz, Zinszah<span class=\"_ _0\"></span>lungsinter-<span class=\"_ _128\"> </span>vall, Referenzzinss\u00e4tze, F\u00e4lligkeit) s<span class=\"_ _0\"></span>owie aktuelle Marktdaten (Wechselkurse sowie Markt<span class=\"_ _0\"></span>zinss\u00e4tze) bestimmt. Cashflows aus<span class=\"_ _128\"> </span>Zinszahlungen werden d<span class=\"_ _0\"></span>abei aus den in den Zinskurven implizierten Terminzinsen abgeleitet.<span class=\"_ _1\"></span> Revolvierende Kredite weisen keine vert<span class=\"_ _0\"></span>raglich bas<span class=\"_ _0\"></span>ierten Cashflows auf. Daher ist<span class=\"_ _0\"></span> eine explizite Cashflowsch\u00e4tzun<span class=\"_ _0\"></span>g mittels<span class=\"_ _128\"> </span>Replikationsmodellen notw<span class=\"_ _0\"></span>endig. In der Oberbank AG <span class=\"_ _0\"></span>liegen Kredite vor, die hinsichtlich der Laufzeit b. a. w. ab<span class=\"_ _0\"></span>geschlossen werden. Im Rahmen d<span class=\"_ _0\"></span>er j\u00e4hrlichen<span class=\"_ _128\"> </span>Kreditpr\u00fcfung wird d<span class=\"_ _0\"></span>as Kreditverh\u00e4ltnis neu beurteilt und gegebenenfalls eine Anp<span class=\"_ _0\"></span>assung der Kond<span class=\"_ _0\"></span>itionen im Hinblick auf<span class=\"_ _128\"> </span>die Ver\u00e4nderung der Kr<span class=\"_ _0\"></span>editqualit\u00e4t vorgenommen. Diese Kredite sind jed<span class=\"_ _0\"></span>erzeit k\u00fcndbar. Hinsichtlich der Laufzeit wird dah<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>angenommen, dass d<span class=\"_ _0\"></span>iese ein Jahr b<span class=\"_ _0\"></span>etr\u00e4gt, da jedes Jahr eine erneute Entscheidun<span class=\"_ _0\"></span>g \u00fcber die Verl\u00e4ngerung des Kredits ge-<span class=\"_ _128\"> </span>troffen w<span class=\"_ _0\"></span>ird. Die Oberbank AG ist damit dem Kreditrisiko maximal ein Jahr ausgesetzt.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Bei Kreditrahmen wird zun\u00e4chst jener T<span class=\"_ _0\"></span>eil berechnet, der derzeit nicht ausgen\u00fctzt wir<span class=\"_ _1\"></span>d. Hierbei wird der Kreditsaldo vom<span class=\"_ _128\"> </span>Rahmen abgezogen. Dieser nicht a<span class=\"_ _0\"></span>usgen\u00fctzte Kreditrahmen bleibt in weiterer Folge \u00fcber die gesamte Kreditlaufzeit kon<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>stant. Es wird dabei f\u00fcr<span class=\"_ _0\"></span> die Berechnung des Exposure at Default (EAD<span class=\"_ _0\"></span>) durchgehend ein Kreditkonversionsf<span class=\"_ _1\"></span>aktor zu Grunde<span class=\"_ _128\"> </span>gelegt. Die F\u00e4lligkeit des Kreditrahmens kor<span class=\"_ _0\"></span>respondiert dabei immer mit der Laufzeit des Kredit<span class=\"_ _0\"></span>s.<span class=\"_ _0\"></span> Entwicklung der Risikovorsorge im Lebendgesch\u00e4ft<span class=\"_ _0\"></span> Im Vergleich zum Jahresanfang steigt d<span class=\"_ _0\"></span>er Betrag der gebildeten Wertberichtigung im Lebendges<span class=\"_ _1\"></span>ch\u00e4ft (Stufe 1 und Stufe 2)<span class=\"_ _128\"> </span>um Euro 8,11 Mio. Euro.<span class=\"_ _128\"> </span>Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span>Ein gro\u00dfer Treiber f\u00fcr die H\u00f6h<span class=\"_ _0\"></span>e des Expected Credit Loss ist die Stufenbest<span class=\"_ _0\"></span>immung der einzelnen Positionen. Diese resultiert<span class=\"_ _128\"> </span>aus den bereits beschriebenen<span class=\"_ _0\"></span> qualitativen und quantitati<span class=\"_ _0\"></span>ven Stagingkriterien. Nachfolgend werden<span class=\"_ _0\"></span> die Auswirkungen auf<span class=\"_ _128\"> </span>den Expected Credit<span class=\"_ _0\"></span> Loss unter der Annahme, dass alle Positionen einerseits der Stu<span class=\"_ _0\"></span>fe 1 (12<span class=\"_ _0\"></span>-Monats-ECL) u<span class=\"_ _0\"></span>nd andererseits<span class=\"_ _128\"> </span>der Stufe 2 (Lifetime-ECL) zuge<span class=\"_ _0\"></span>wiesen werden, ausgewiesen. <span class=\"_ _0\"></span> Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-442": {
   "value": "Nutzungsdauern<span class=\"_ _0\"></span> beim Anlageverm\u00f6gen<span class=\"_ _128\"> </span> Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng von Sachanlagen und immateriellen Verm\u00f6gensgegenst\u00e4n<span class=\"_ _0\"></span>den erfolgt linear auf Basis d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauern. Details zu den Buchwerten w<span class=\"_ _0\"></span>erden in Note 18 (Immaterielles An<span class=\"_ _0\"></span>lageverm\u00f6gen) und<span class=\"_ _128\"> </span> Note 19 (Sachanlagen) dar<span class=\"_ _0\"></span>gestellt.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-421": {
   "value": "Nutzungsdauern<span class=\"_ _0\"></span> beim Anlageverm\u00f6gen<span class=\"_ _128\"> </span> Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng von Sachanlagen und immateriellen Verm\u00f6gensgegenst\u00e4n<span class=\"_ _0\"></span>den erfolgt linear auf Basis d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauern. Details zu den Buchwerten w<span class=\"_ _0\"></span>erden in Note 18 (Immaterielles An<span class=\"_ _0\"></span>lageverm\u00f6gen) und<span class=\"_ _128\"> </span> Note 19 (Sachanlagen) dar<span class=\"_ _0\"></span>gestellt.<span class=\"_ _128\"> </span>Sachanlageverm\u00f6gen (einschlie\u00dflich als Finan<span class=\"_ _0\"></span>zinvestitionen gehaltener Immob<span class=\"_ _0\"></span>ilien) wird zu Anschaffungs<span class=\"_ _0\"></span>- b<span class=\"_ _0\"></span>zw. Herstel-<span class=\"_ _128\"> </span>lungskosten, reduziert<span class=\"_ _0\"></span> um planm\u00e4\u00dfige Abschreibungen, bew<span class=\"_ _0\"></span>ertet. Voraussichtlich dauerhafte Wertminderun<span class=\"_ _0\"></span>gen f\u00fchren zu<span class=\"_ _128\"> </span>einer au\u00dferplanm\u00e4\u00df<span class=\"_ _0\"></span>igen Abschreibung. Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng erfolgt linear auf Basis der gesch\u00e4tzten <span class=\"_ _1\"></span>Nutzungs-<span class=\"_ _128\"> </span>dauer. In der Oberbank AG <span class=\"_ _0\"></span>gilt folgende durchschnittliche Nutzungsdauer: ban<span class=\"_ _0\"></span>kbetrieblich gen\u00fctzte Geb\u00e4ude zehn b<span class=\"_ _0\"></span>is 40 Jahre; <span class=\"_ _0\"></span> Betriebs- und<span class=\"_ _0\"></span> Gesch\u00e4ftsausstattung vier bis 2<span class=\"_ _0\"></span>0 Jahre; Standard-Software vier Jahr<span class=\"_ _0\"></span>e.<span class=\"_ _128\"> </span>Dar\u00fcber hinaus wird jeweils zum Bilanzstichtag \u00fc<span class=\"_ _0\"></span>berpr\u00fcft, ob Anhaltspunkte f\u00fcr eine Wertminderung vo<span class=\"_ _0\"></span>rliegen. Bei dieser<span class=\"_ _128\"> </span>\u00dcberpr\u00fcfung ermittelt die Oberban<span class=\"_ _0\"></span>k den f\u00fcr den Verm\u00f6genswert erzielbaren Betrag. D<span class=\"_ _0\"></span>ieser entsprich<span class=\"_ _0\"></span>t d<span class=\"_ _0\"></span>em h\u00f6heren Betrag<span class=\"_ _128\"> </span>aus Nutzwert oder Nettover\u00e4u\u00dferu<span class=\"_ _0\"></span>ngspreis. Liegt der erzielbare Betrag unter dem Bu<span class=\"_ _0\"></span>chwert des Verm\u00f6genswerts erfolgt<span class=\"_ _128\"> </span>die ergebniswirksame Erfassung eines Wertminderun<span class=\"_ _0\"></span>gsbetrags in H\u00f6he dieses Unt<span class=\"_ _0\"></span>erschiedsbetrags.<span class=\"_ _0\"></span> Unter dem Sachanlageverm\u00f6gen<span class=\"_ _0\"></span> werden seit 1.1.2019 au<span class=\"_ _0\"></span>ch die aktivierten Nutzungsrechte (right of use asset<span class=\"_ _0\"></span>s) nach IFRS 16<span class=\"_ _128\"> </span>ausgewiesen. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-390": {
   "value": "Nutzungsdauern<span class=\"_ _0\"></span> beim Anlageverm\u00f6gen<span class=\"_ _128\"> </span> Die planm\u00e4\u00dfige Abschreibu<span class=\"_ _0\"></span>ng von Sachanlagen und immateriellen Verm\u00f6gensgegenst\u00e4n<span class=\"_ _0\"></span>den erfolgt linear auf Basis d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauern. Details zu den Buchwerten w<span class=\"_ _0\"></span>erden in Note 18 (Immaterielles An<span class=\"_ _0\"></span>lageverm\u00f6gen) und<span class=\"_ _128\"> </span> Note 19 (Sachanlagen) dar<span class=\"_ _0\"></span>gestellt.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-391": {
   "value": "Steuerabgrenzung<span class=\"_ _128\"> </span> Die Berechnung erfolgt bei jedem Steuersu<span class=\"_ _0\"></span>bjekt zu den Steuers\u00e4tzen, d<span class=\"_ _0\"></span>ie erwartungsgem\u00e4\u00df in dem Besteuerungszeit-<span class=\"_ _128\"> </span>raum angewandt<span class=\"_ _0\"></span> werden, in dem sich die Steuerlatenz umkehrt. F\u00fcr Verlust<span class=\"_ _0\"></span>vortr\u00e4ge werd<span class=\"_ _0\"></span>en aktive latente Steuern nur  angesetzt, wenn es wahr<span class=\"_ _0\"></span>scheinlich ist, dass in Zukunft mit steuerbaren Gewinnen in<span class=\"_ _0\"></span> entsprechender H\u00f6he zu rechnen<span class=\"_ _128\"> </span> ist. Angaben zu den latent<span class=\"_ _0\"></span>en Steuern sind in Note 21 (Sonstige Aktiva) dargestellt.<span class=\"_ _128\"> </span>Steuerabgrenzung<span class=\"_ _128\"> </span>Der Ausweis und die Berechnung von<span class=\"_ _0\"></span> Ertragsteuern erfolgen gem\u00e4\u00df IAS 12. Die Berechnung erfolgt<span class=\"_ _0\"></span> bei jedem Steuersubjekt<span class=\"_ _128\"> </span>zu den Steuers\u00e4tzen, die erwa<span class=\"_ _0\"></span>rtungsgem\u00e4\u00df in dem Besteueru<span class=\"_ _0\"></span>ngszeitraum angewendet w<span class=\"_ _0\"></span>erden, in dem sich die Steuerlatenz<span class=\"_ _128\"> </span>umkehrt. F\u00fcr Verlustvortr\u00e4ge werden a<span class=\"_ _0\"></span>ktive latente Steuern angesetzt, wenn es wahrscheinlich ist<span class=\"_ _0\"></span>, dass in Zukunft mit steu-<span class=\"_ _128\"> </span>erbaren Gewinnen in entsp<span class=\"_ _0\"></span>rechender H\u00f6he der gl<span class=\"_ _0\"></span>eichen Gesellschaft zu rechnen<span class=\"_ _0\"></span> ist. Ertragsteueranspr\u00fcche bzw. <span class=\"_ _0\"></span> -verpflichtungen w<span class=\"_ _0\"></span>erden in den Positionen Sonstige Aktiva bzw. Steuerschulden a<span class=\"_ _0\"></span>usgewiesen.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-468": {
   "value": "Personalr\u00fcckstellungen<span class=\"_ _128\"> </span> Diese werden auf Basis von v<span class=\"_ _0\"></span>ersicherungsmathematischen Gutachten ermitt<span class=\"_ _0\"></span>elt. Dabei werden neben den bekannten <span class=\"_ _1\"></span> Renten und erworb<span class=\"_ _0\"></span>enen Anwartschaften auch die zuk\u00fcn<span class=\"_ _0\"></span>ftig zu erwartenden Erh\u00f6hungen an Geh\u00e4ltern und Renten <span class=\"_ _0\"></span> einbezogen. In Note 25 (R\u00fc<span class=\"_ _0\"></span>ckstellungen) werden die wesent<span class=\"_ _0\"></span>lichen versicherungsmathematischen A<span class=\"_ _0\"></span>nnahmen sowie eine<span class=\"_ _128\"> </span> Sensitivit\u00e4tsanalyse bei \u00c4nd<span class=\"_ _0\"></span>erung ma\u00dfgeblicher versicherungsmathematischer Annah<span class=\"_ _0\"></span>men angegeben.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> R\u00fcckstellungen<span class=\"_ _128\"> </span> Bei der Bemessung von R\u00fc<span class=\"_ _0\"></span>ckstellungen sind Sch\u00e4tzungen bez\u00fcglich der H\u00f6<span class=\"_ _0\"></span>he und der F\u00e4lligkeit vo<span class=\"_ _0\"></span>n zuk\u00fcnftigen  Zahlungsstr\u00f6men erforderlich. Det<span class=\"_ _0\"></span>ails werden in Note 25 (R\u00fcckstellungen) d<span class=\"_ _0\"></span>argestellt.<span class=\"_ _128\"> </span>R\u00fcckstellungen<span class=\"_ _128\"> </span>a) Personalr\u00fcckstellungen<span class=\"_ _0\"></span> R\u00fcckstellungen werden<span class=\"_ _0\"></span> gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder fakt<span class=\"_ _0\"></span>ische Verpflichtung gegen\u00fcber Dritten<span class=\"_ _128\"> </span>besteht. S\u00e4mtliche Sozialkapitalr<span class=\"_ _0\"></span>\u00fcckstellungen (Pension<span class=\"_ _0\"></span>en, Abfertigungsverpflichtungen und Jubil\u00e4umsgelder) w<span class=\"_ _0\"></span>erden ge-<span class=\"_ _128\"> </span>m\u00e4\u00df IAS 19, basierend<span class=\"_ _0\"></span> auf versicherungsmathematischen Gutachten, ermit<span class=\"_ _0\"></span>telt. Dabei werden neben den am Bilanzst<span class=\"_ _0\"></span>ichtag <span class=\"_ _0\"></span> bekannten Renten und<span class=\"_ _0\"></span> erworbenen Anwartschaften auch d<span class=\"_ _0\"></span>ie k\u00fcnftig zu erwartenden Erh\u00f6hungen an Geh\u00e4lt<span class=\"_ _0\"></span>ern und Renten<span class=\"_ _128\"> </span>einbezogen.<span class=\"_ _128\"> </span>Der versicherungsmathemat<span class=\"_ _0\"></span>ischen Berechnung wurden f\u00fcr<span class=\"_ _0\"></span> s\u00e4mtliche R\u00fcckstellungen folgende Parameter zugrunde gelegt:<span class=\"_ _1\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rechnungszinsfu\u00df (lan<span class=\"_ _0\"></span>gfristiger Kapitalmarktzins) von 3,75 % (Vorjahr 1,25 %<span class=\"_ _0\"></span>);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Gehaltserh\u00f6hun<span class=\"_ _0\"></span>gen von 2,84 % (Vorjahr 2,63 %) und Pensionserh\u00f6hung<span class=\"_ _0\"></span>en v<span class=\"_ _0\"></span>on 1,89 % (Vorjahr 1,67 %);<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Entsprechend den \u00dcb<span class=\"_ _0\"></span>ergangsregelungen zur Pensionsreform liegt das ind<span class=\"_ _0\"></span>ividuell ermittelte Pensionsantrittsalter bei <span class=\"_ _0\"></span> </span></span>M\u00e4nnern bei 65 Jahren<span class=\"_ _0\"></span>, bei Frauen zwischen 59 und 65 Jahren.<span class=\"_ _0\"></span> Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne bzw. Verlust<span class=\"_ _0\"></span>e aus Pensions- und Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellungen wurden im Gesch\u00e4ft<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>jahr erfolgsneutral im so<span class=\"_ _0\"></span>nstigen Ergebnis erfasst<span class=\"_ _0\"></span>. <span class=\"_ _7\"> </span>b) Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> Sonstige R\u00fcckstellungen werd<span class=\"_ _0\"></span>en gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder faktische Verpflicht<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>g gegen-<span class=\"_ _128\"> </span>\u00fcber einem Dritten best<span class=\"_ _0\"></span>eht und es wahrscheinlich ist, dass diese Verpflichtung zu<span class=\"_ _0\"></span> einem Abfluss von Ressourcen f\u00fchren<span class=\"_ _128\"> </span>wird. Die R\u00fcckstellungen werd<span class=\"_ _0\"></span>en mit jenem Wert angesetzt, der die bestm\u00f6gliche Sch\u00e4tzung der zur E<span class=\"_ _0\"></span>rf\u00fcllung der <span class=\"_ _0\"></span> Verpflichtung erford<span class=\"_ _0\"></span>erlichen Ausgabe darstellt.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-392": {
   "value": "Personalr\u00fcckstellungen<span class=\"_ _128\"> </span> Diese werden auf Basis von v<span class=\"_ _0\"></span>ersicherungsmathematischen Gutachten ermitt<span class=\"_ _0\"></span>elt. Dabei werden neben den bekannten <span class=\"_ _1\"></span> Renten und erworb<span class=\"_ _0\"></span>enen Anwartschaften auch die zuk\u00fcn<span class=\"_ _0\"></span>ftig zu erwartenden Erh\u00f6hungen an Geh\u00e4ltern und Renten <span class=\"_ _0\"></span> einbezogen. In Note 25 (R\u00fc<span class=\"_ _0\"></span>ckstellungen) werden die wesent<span class=\"_ _0\"></span>lichen versicherungsmathematischen A<span class=\"_ _0\"></span>nnahmen sowie eine<span class=\"_ _128\"> </span> Sensitivit\u00e4tsanalyse bei \u00c4nd<span class=\"_ _0\"></span>erung ma\u00dfgeblicher versicherungsmathematischer Annah<span class=\"_ _0\"></span>men angegeben.<span class=\"_ _128\"> </span>a) Personalr\u00fcckstellungen<span class=\"_ _0\"></span> R\u00fcckstellungen werden<span class=\"_ _0\"></span> gebildet, wenn eine zuverl\u00e4ssig sch\u00e4tzbare rechtliche oder fakt<span class=\"_ _0\"></span>ische Verpflichtung gegen\u00fcber Dritten<span class=\"_ _128\"> </span> besteht. S\u00e4mtliche Sozialkapitalr<span class=\"_ _0\"></span>\u00fcckstellungen (Pension<span class=\"_ _0\"></span>en, Abfertigungsverpflichtungen und Jubil\u00e4umsgelder) w<span class=\"_ _0\"></span>erden ge-<span class=\"_ _128\"> </span>m\u00e4\u00df IAS 19, basierend<span class=\"_ _0\"></span> auf versicherungsmathematischen Gutachten, ermit<span class=\"_ _0\"></span>telt. Dabei werden neben den am Bilanzst<span class=\"_ _0\"></span>ichtag <span class=\"_ _0\"></span> bekannten Renten und<span class=\"_ _0\"></span> erworbenen Anwartschaften auch d<span class=\"_ _0\"></span>ie k\u00fcnftig zu erwartenden Erh\u00f6hungen an Geh\u00e4lt<span class=\"_ _0\"></span>ern und Renten<span class=\"_ _128\"> </span> einbezogen.<span class=\"_ _128\"> </span> Der versicherungsmathemat<span class=\"_ _0\"></span>ischen Berechnung wurden f\u00fcr<span class=\"_ _0\"></span> s\u00e4mtliche R\u00fcckstellungen folgende Parameter zugrunde gelegt:<span class=\"_ _1\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Rechnungszinsfu\u00df (lan<span class=\"_ _0\"></span>gfristiger Kapitalmarktzins) von 3,75 % (Vorjahr 1,25 %<span class=\"_ _0\"></span>);<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Gehaltserh\u00f6hun<span class=\"_ _0\"></span>gen von 2,84 % (Vorjahr 2,63 %) und Pensionserh\u00f6hung<span class=\"_ _0\"></span>en v<span class=\"_ _0\"></span>on 1,89 % (Vorjahr 1,67 %);<span class=\"_ _128\"> </span></span></span><span class=\"ff7\"><span class=\"ff4\"> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Entsprechend den \u00dcb<span class=\"_ _0\"></span>ergangsregelungen zur Pensionsreform liegt das ind<span class=\"_ _0\"></span>ividuell ermittelte Pensionsantrittsalter bei <span class=\"_ _0\"></span> </span></span>M\u00e4nnern bei 65 Jahren<span class=\"_ _0\"></span>, bei Frauen zwischen 59 und 65 Jahren.<span class=\"_ _0\"></span> Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne bzw. Verlust<span class=\"_ _0\"></span>e aus Pensions- und Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellungen wurden im Gesch\u00e4ft<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>jahr erfolgsneutral im so<span class=\"_ _0\"></span>nstigen Ergebnis erfasst<span class=\"_ _0\"></span>. <span class=\"_ _7\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-394": {
   "value": "Leasingverh\u00e4ltnisse<span class=\"_ _128\"> </span> Als Leasinggeber sind in diesem Bereich Er<span class=\"_ _0\"></span>messensentscheidungen insbeson<span class=\"_ _0\"></span>dere bei der Unterscheidung von<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> Finanzierungsleasing einerseits und<span class=\"_ _0\"></span> Operate Leasing andererseits notwendig. Als Kriterium gilt nach IFRS 16.62 die \u00dcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span>tragung von im Wesentlichen s\u00e4mt<span class=\"_ _0\"></span>lichen Risiken und Ch<span class=\"_ _0\"></span>ancen vom Leasinggeber au<span class=\"_ _0\"></span>f den Leasingnehmer. Detailangab<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> sind in Note 14 (Forderungen an Kunden<span class=\"_ _0\"></span>) und Note 19 (Sachanlagen) enth<span class=\"_ _0\"></span>alten.<span class=\"_ _128\"> </span> Leasing als Leasingnehmer<span class=\"_ _128\"> </span> Ein Leasingverh\u00e4ltnis ist n<span class=\"_ _0\"></span>ach IFRS 16 ein Vertrag oder Teil eines Vertrags,<span class=\"_ _0\"></span> der gegen Zahlung eines Entgelts f\u00fcr einen <span class=\"_ _1\"></span> bestimmten Zeitraum zur Nu<span class=\"_ _0\"></span>tzung eines Verm\u00f6genswerts berechtigt. Nutzun<span class=\"_ _0\"></span>gsrechte (right of use assets) an den Leasingge-<span class=\"_ _128\"> </span>genst\u00e4nden werden<span class=\"_ _0\"></span> zum Zugangszeitpunkt mit den Anschaffungskost<span class=\"_ _0\"></span>en bewertet. Die Anschaffungskost<span class=\"_ _0\"></span>en entsprechen in<span class=\"_ _128\"> </span> der Regel dem Barwert der korrespon<span class=\"_ _0\"></span>dierenden Leasingverbindlichkeiten. Von d<span class=\"_ _0\"></span>em Wahlrecht nach IFRS 16.5, Nutzungs-<span class=\"_ _128\"> </span>rechte an Leasinggegenst\u00e4nden aus kurzfrist<span class=\"_ _0\"></span>igen Leasingverh\u00e4lt<span class=\"_ _0\"></span>nissen und aus Leasingverh\u00e4ltnissen<span class=\"_ _0\"></span> mit geringem Wert nicht<span class=\"_ _128\"> </span> zu aktivieren, wird kein Gebrauch gemacht. Die plan<span class=\"_ _0\"></span>m\u00e4\u00dfige Abschreibung d<span class=\"_ _0\"></span>er Nutzungsrechte an den Leasinggegenst\u00e4nd<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> erfolgt linear \u00fcber die voraussichtliche Nut<span class=\"_ _0\"></span>zungsdauer beziehun<span class=\"_ _0\"></span>gsweise \u00fcber d<span class=\"_ _0\"></span>ie k\u00fcrzere Vertragslaufzeit. Liegen Anhalts-<span class=\"_ _128\"> </span>punkte vor, dass Nutzungsrechte an den<span class=\"_ _0\"></span> Leasinggegenst\u00e4nden wertgemindert sein k\u00f6nnten,<span class=\"_ _0\"></span> erfolgt eine \u00dcberpr\u00fcfung nach<span class=\"_ _128\"> </span> IAS 36. Die k\u00fcnftigen Leasingzahlun<span class=\"_ _0\"></span>gen werden mit laufzeit<span class=\"_ _0\"></span>- und w\u00e4hrungsdifferenzi<span class=\"_ _0\"></span>erten SWAP-Zinss\u00e4tzen ab<span class=\"_ _0\"></span>gezinst und<span class=\"_ _128\"> </span> nach der Effektivzinsmet<span class=\"_ _0\"></span>hode zu fortgef\u00fchrten Anschaffungskosten b<span class=\"_ _0\"></span>ewertet.<span class=\"_ _128\"> </span> Im Oberbank Kon<span class=\"_ _0\"></span>zern gibt es befristete (mit und ohne Verl\u00e4ngerun<span class=\"_ _0\"></span>gsoption) sowie unbefristete Vertragsverh\u00e4ltn<span class=\"_ _0\"></span>isse. Die<span class=\"_ _128\"> </span> Bestimmung der Leasingver<span class=\"_ _0\"></span>tragslaufzeit erfolgt grundlegend zu Beginn d<span class=\"_ _0\"></span>er Nutzungs\u00fcberlassung bzw. <span class=\"_ _0\"></span>erstmalig bei der <span class=\"_ _0\"></span> Erstanwendung des IFRS 16. Befrist<span class=\"_ _0\"></span>ete Vertr\u00e4ge ohne Verl\u00e4ngerun<span class=\"_ _0\"></span>gsoption werden mit einer Laufzeit bis zu ih<span class=\"_ _0\"></span>rem <span class=\"_ _0\"></span> vertraglichen Enddatum an<span class=\"_ _0\"></span>gesetzt. Die Leasingvertrag<span class=\"_ _0\"></span>slaufzeit f\u00fcr befristet<span class=\"_ _0\"></span>e Vertr\u00e4ge mit Verl\u00e4ngerungsoption sowie  unbefristete Vertr\u00e4ge wird in dem Ma\u00dfe angenommen, d<span class=\"_ _0\"></span>ass die gesamte Vertragslaufzeit der Nut<span class=\"_ _0\"></span>zungs\u00fcberlassung grund-<span class=\"_ _128\"> </span>s\u00e4tzlich den durchschnittlichen In<span class=\"_ _0\"></span>vestitionszyklus der Ob<span class=\"_ _0\"></span>erbank AG von 20 Jah<span class=\"_ _0\"></span>ren nicht \u00fcbersteigt.<span class=\"_ _128\"> </span> Leasing (als Leasinggeber) un<span class=\"_ _0\"></span>d als Finanzinvestition gehaltene Immob<span class=\"_ _0\"></span>ilien<span class=\"_ _128\"> </span> Die Oberbank bietet sow<span class=\"_ _0\"></span>ohl Finanzierungsleasingvertr\u00e4ge als auch Operat<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>-Leasing-Vertr\u00e4ge an. Gem\u00e4\u00df IFRS 16 han<span class=\"_ _0\"></span>delt es<span class=\"_ _128\"> </span> sich bei einem Finanzierungsleasing u<span class=\"_ _0\"></span>m ein Leasingverh\u00e4lt<span class=\"_ _0\"></span>nis, bei dem im Wesentlichen alle mit dem Eigentu<span class=\"_ _0\"></span>m verbundenen<span class=\"_ _128\"> </span> Chancen und Risiken eines Verm\u00f6gensw<span class=\"_ _0\"></span>erts \u00fcbertragen werden. Letztlich kann<span class=\"_ _0\"></span> dabei auch das Eigentumsrecht<span class=\"_ _0\"></span> \u00fcbertragen<span class=\"_ _128\"> </span> werden. Die Oberbank AG <span class=\"_ _0\"></span>weist als Leasinggeber beim Finanzie<span class=\"_ _0\"></span>rungsleasing eine Forderu<span class=\"_ _0\"></span>ng gegen\u00fcber dem Leasingnehmer<span class=\"_ _128\"> </span> in H\u00f6he der Barwerte der vertraglich vereinbarten Za<span class=\"_ _0\"></span>hlungen aus. Die Leasingertr\u00e4ge werden in den Zin<span class=\"_ _0\"></span>sen und \u00e4hnlichen<span class=\"_ _128\"> </span> Ertr\u00e4gen ausgewiesen. Ein Op<span class=\"_ _0\"></span>erate-Leasing-Verh\u00e4ltnis ist<span class=\"_ _0\"></span> ein Leasingverh\u00e4ltnis, b<span class=\"_ _0\"></span>ei dem es sich nicht um ein Finan<span class=\"_ _0\"></span>zierungs-<span class=\"_ _128\"> </span>leasingverh\u00e4ltnis handelt. <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>Bei Operate-Leasing-Vertr\u00e4gen w<span class=\"_ _0\"></span>erden die zur Vermietung b<span class=\"_ _0\"></span>estimmten Verm\u00f6gensgegenst\u00e4nde, vermind<span class=\"_ _0\"></span>ert um Abschrei-<span class=\"_ _128\"> </span>bungen, im Sachan<span class=\"_ _0\"></span>lageverm\u00f6gen ausgewiesen. Als Finanzinvestit<span class=\"_ _0\"></span>ionen gehalten<span class=\"_ _0\"></span>e Immobilien werden zu<span class=\"_ _0\"></span> fortgef\u00fchrten An-<span class=\"_ _128\"> </span>schaffungskosten bilanziert. <span class=\"_ _0\"></span>Die Leasingertr\u00e4ge werden im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg ausgewiesen.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-423": {
   "value": "2.7) W\u00e4hrungsumrechnung u<span class=\"_ _0\"></span>nd Konzernw\u00e4hrung<span class=\"_ _0\"></span> Die W\u00e4hrungsumr<span class=\"_ _0\"></span>echnung erfolgt nach den Vorschriften des IAS 21. Danach w<span class=\"_ _0\"></span>erden nic<span class=\"_ _0\"></span>ht auf Euro lautende mon<span class=\"_ _0\"></span>et\u00e4re  Verm\u00f6genswerte und Schuld<span class=\"_ _0\"></span>en mit marktgerechten Kursen am Bilanzsticht<span class=\"_ _0\"></span>ag in Euro umgerechnet. No<span class=\"_ _0\"></span>ch nicht abgewickelte<span class=\"_ _128\"> </span> Termingesch\u00e4fte werden zum Terminku<span class=\"_ _0\"></span>rs am Bilanzstichtag umgerechnet. Die Umrechnun<span class=\"_ _0\"></span>g der auf ausl\u00e4ndische W\u00e4h<span class=\"_ _1\"></span>rung<span class=\"_ _128\"> </span> lautenden Jahresabsch<span class=\"_ _0\"></span>l\u00fcsse von ausl\u00e4ndischen Tochtergesellschaften w<span class=\"_ _0\"></span>urde f\u00fcr die Bilanz mit dem Devisenmittelkur<span class=\"_ _0\"></span>s der<span class=\"_ _128\"> </span> EZB am Bilanzstichtag, f\u00fcr d<span class=\"_ _0\"></span>ie Gewinn- und Verlust<span class=\"_ _0\"></span>-Rechnung mit dem Jahresdurchschnittskurs v<span class=\"_ _0\"></span>orgenommen. Der <span class=\"_ _0\"></span> Konzernabschluss wird i<span class=\"_ _0\"></span>n Euro aufgestellt<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "Bewertungskategorien<span class=\"_ _128\"> </span>IFRS 9 enth\u00e4lt drei wichtige Einstu<span class=\"_ _0\"></span>fungskategorien f\u00fcr finanzielle Verm\u00f6genswerte: zu for<span class=\"_ _0\"></span>tgef\u00fchrten Anschaffungskosten <span class=\"_ _1\"></span> bewertet (AC), zum b<span class=\"_ _0\"></span>eizulegenden Zeitwert im Gewinn oder Verlust bewertet (FV/<span class=\"_ _0\"></span>PL) sowie zum beizulegenden Zeitwert mit<span class=\"_ _128\"> </span>Wert\u00e4nderungen im sonst<span class=\"_ _0\"></span>igen Ergebnis bewertet (FV/OCI). Werden fin<span class=\"_ _0\"></span>anzielle Verm\u00f6genswerte in einem Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dell<span class=\"_ _128\"> </span>gehalten, dessen Zielsetzung d<span class=\"_ _0\"></span>as Behalten der V<span class=\"_ _0\"></span>erm\u00f6genswerte ist, und repr\u00e4sentieren diese finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>den Anspruch auf Zins<span class=\"_ _0\"></span>- und Tilgungszahlun<span class=\"_ _0\"></span>gen zu vorgegebenen Terminen (SPPI<span class=\"_ _0\"></span>-Kriterien), so sind diese mit den<span class=\"_ _0\"></span> fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten zu bewerten. Unter bestimmten V<span class=\"_ _0\"></span>oraussetzungen ist eine Designat<span class=\"_ _0\"></span>ion zur Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Bewertung m\u00f6glich.  <span class=\"_ _0\"></span>Dies ist in der Oberbank dann d<span class=\"_ _0\"></span>er Fall, wenn eine Absicherung von Grundgesch\u00e4ften mit Deriva<span class=\"_ _0\"></span>ten <span class=\"_ _0\"></span> besteht, da es ansonst<span class=\"_ _0\"></span>en zu Bewertungsinkongruenzen der beiden Finan<span class=\"_ _0\"></span>zinstrumente in der <span class=\"_ _0\"></span>Bilanzierung ko<span class=\"_ _0\"></span>mmt.<span class=\"_ _128\"> </span>S\u00e4mtliche anderen finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e sind zum Fair Value zu bewert<span class=\"_ _0\"></span>en. Wert\u00e4nderungen dieser Verm\u00f6genswert<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>sind in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung oder im son<span class=\"_ _0\"></span>stigen Ergebnis (abh\u00e4ngig vom Gesch\u00e4ftsmodell) zu erfassen. F\u00fc<span class=\"_ _0\"></span>r <span class=\"_ _0\"></span> bestimmte Eigenkapitalin<span class=\"_ _0\"></span>strumente kann vom Wahlrecht, die Bewertun<span class=\"_ _0\"></span>gs\u00e4nderungen im sonstigen Ergebnis zu<span class=\"_ _0\"></span> erfassen,<span class=\"_ _128\"> </span>Gebrauch gemacht werd<span class=\"_ _0\"></span>en. Lediglich Dividendenanspr\u00fcche derart<span class=\"_ _0\"></span>iger Verm\u00f6genswerte sind in der Gewinn<span class=\"_ _1\"></span>- und Verlust-<span class=\"_ _128\"> </span>rechnung darzust<span class=\"_ _0\"></span>ellen. Nach IFRS 9 werden Derivate, die in Vert<span class=\"_ _0\"></span>r\u00e4ge eingebettet sind, bei denen die Basis ein finanzieller<span class=\"_ _128\"> </span>Verm\u00f6genswert im Anwend<span class=\"_ _0\"></span>ungsbereich des Standards ist, niemals getrennt b<span class=\"_ _0\"></span>ilanziert. Stattdessen wird das hybride <span class=\"_ _1\"></span> Finanzinstrument insgesamt im Hinblick auf d<span class=\"_ _0\"></span>ie Eins<span class=\"_ _0\"></span>tufung beurteilt.<span class=\"_ _128\"> </span>Fremdkapitalinstrument<span class=\"_ _0\"></span>e werden \u00fcberwiegend mit den fortgef\u00fchrten Ansch<span class=\"_ _0\"></span>affungskosten bewertet. Die Kredite und <span class=\"_ _1\"></span> Forderungen werden gr\u00f6\u00dft<span class=\"_ _0\"></span>enteils zu fortgef\u00fchrten Anschaffungskosten<span class=\"_ _0\"></span> bewertet, da die SPPI<span class=\"_ _0\"></span>-Kriterien,<span class=\"_ _0\"></span> die f\u00fcr eine solche<span class=\"_ _128\"> </span>Bewertung vorausgesetzt werden, vo<span class=\"_ _0\"></span>n diesen Finanzinstrumenten erf\u00fcllt w<span class=\"_ _0\"></span>erden. Die Bewertung von <span class=\"_ _0\"></span> Eigenkapitalinstrument<span class=\"_ _0\"></span>en erfolgt vorwiegend zu<span class=\"_ _0\"></span>m beizulegenden Zeitwert mit Wert<span class=\"_ _0\"></span>\u00e4nderungen im sonstigen Ergebnis bewertet (FV/OCI).<span class=\"_ _0\"></span> Sonstiger betrieblicher Erfolg<span class=\"_ _128\"> </span> Im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg werden die Ergebnisse von finanziellen Verm\u00f6genswerten a<span class=\"_ _0\"></span>us den Bewertungskategorien<span class=\"_ _128\"> </span> finanzielle Verm\u00f6genswerte zu fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffu<span class=\"_ _0\"></span>ngskosten (AC), finanzielle Verm\u00f6genswerte zu<span class=\"_ _0\"></span>m beizulegenden Zeit-<span class=\"_ _128\"> </span>wert im Gewinn oder Verlust (FV/PL) sow<span class=\"_ _0\"></span>ie finanzielle Verm\u00f6genswerte zum beizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen<span class=\"_ _128\"> </span> im sonstigen Ergebn<span class=\"_ _0\"></span>is (FV/OCI) ausgewiesen. Dar\u00fcber hinaus wer<span class=\"_ _0\"></span>den in<span class=\"_ _0\"></span> dieser Position auch Ertr\u00e4ge und Au<span class=\"_ _0\"></span>fwendungen aus<span class=\"_ _128\"> </span> operationellen Risiken, Operate Leasing od<span class=\"_ _0\"></span>er Aufwendungen aus so<span class=\"_ _0\"></span>nstigen Steuern und Abgaben erfasst. <span class=\"_ _1\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-443": {
   "value": "Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table><div class=\"c w76 hc gs84\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">5) Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hc gs85\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w77 hc gs86\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w76 hf gs87\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs88\"><div class=\"t m0 x9f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-117.079<span class=\"_ _128\"> </span> </div></div><div class=\"c w77 hf gs89\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-101.325<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 hf gs8a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Direktabschreibungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs8b\"><div class=\"t m0 x42 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-1.325<span class=\"_ _128\"> </span> </div></div><div class=\"c w77 hf gs8c\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.437<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 hd gs8d\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sungen zu R<span class=\"_ _0\"></span>isikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hd gs8e\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">71.190<span class=\"_ _128\"> </span> </div></div><div class=\"c w77 hd gs8f\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.241<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 hf gs90\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs91\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.202<span class=\"_ _128\"> </span> </div></div><div class=\"c w77 hf gs92\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.422<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 hf gs93\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs94\"><div class=\"t m0 x41 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">41<span class=\"ls0\"> </span></div></div><div class=\"c w77 hf gs95\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">70<span class=\"ls0\"> </span></div></div><div class=\"c w76 hf gs96\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus POCI Finanzinst<span class=\"_ _0\"></span>rumenten<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs97\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.489<span class=\"_ _128\"> </span> </div></div><div class=\"c w77 hf gs98\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.684<span class=\"_ _128\"> </span> </div></div><div class=\"c w76 hf gs99\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs9a\"><div class=\"t m0 x4a h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-41.482<span class=\"_ _128\"> </span> </div></div><div class=\"c w77 hf gs9b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-35.713<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs9c\"><div class=\"t m0 x3 h5 y5ae ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y5af ff4 fs2 fc2 sc0 ls0 ws0\">Das Ergebnis <span class=\"_ _5\"></span>aus <span class=\"_ _5\"></span>nicht signifikanten <span class=\"_ _5\"></span>Modifikationen <span class=\"_ _5\"></span>der vertragl<span class=\"_ _5\"></span>ichen Zahlungsstr\u00f6me vo<span class=\"_ _5\"></span>n fin<span class=\"_ _5\"></span>anziellen Verm\u00f6genswerten, die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y5b0 ff4 fs2 fc2 sc0 ls0 ws0\">nicht zu einer Ausbu<span class=\"_ _0\"></span>chung gef\u00fchrt haben, stellt sich in nachfolgender Tab<span class=\"_ _0\"></span>elle dar:<span class=\"_ _128\"> </span> </div></div><div class=\"c w79 hc gs9d\"><div class=\"t m0 x5c h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></div><div class=\"c w7a hc gs9e\"><div class=\"t m0 x5c h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></div><div class=\"c w7b hc gs9f\"><div class=\"t m0 x5c h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3<span class=\"_ _128\"> </span> </div></div><div class=\"c w78 h12 gsa0\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4ftsjahr 20<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span> </div></div><div class=\"c w79 h12 gsa1\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w7e h12 gsa2\"><div class=\"t m0 x4a h6 y87 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w7c h12 gsa3\"><div class=\"t m0 x59 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></div><div class=\"c w7f h12 gsa4\"><div class=\"t m0 x79 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w78 hc gsa5\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fortgef\u00fchrte Ansch<span class=\"_ _0\"></span>affungskosten vor Modifikationen<span class=\"_ _128\"> </span> </div></div><div class=\"c w79 hc gsa6\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">97.417 </div></div><div class=\"c w7a hc gsa7\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.799 </div></div><div class=\"c w7b hc gsa8\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.481<span class=\"_ _128\"> </span> </div></div><div class=\"c w7c hc gsa9\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w7d hc gsaa\"><div class=\"t m0 x29 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.697<span class=\"_ _128\"> </span> </div></div><div class=\"c w78 hc gsab\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> </div></div><div class=\"c w79 hc gsac\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">14<span class=\"ls0\"> </span></div></div><div class=\"c w7a hc gsad\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">254<span class=\"ls0\"> </span></div></div><div class=\"c w7b hc gsae\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">190</span> </div></div><div class=\"c w7c hc gsaf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w7d hc gsb0\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">78<span class=\"ls0\"> </span></div></div><div class=\"c w78 hc gsb1\"><div class=\"t m0 x90 h16 y5b5 ff4 fs6 fc2 sc0 ls0 ws0\">1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span><span class=\"ls20\"> </span></div><div class=\"t m0 x79 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">Saldo aus mark<span class=\"_ _5\"></span>t- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span></div><div class=\"t m0 xa2 h16 y5b5 ff4 fs6 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w79 hc gsb2\"><div class=\"t m0 x5c h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></div><div class=\"c w7a hc gsb3\"><div class=\"t m0 x5c h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></div><div class=\"c w7b hc gsb4\"><div class=\"t m0 x5c h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3<span class=\"_ _128\"> </span> </div></div><div class=\"c w78 h12 gsb5\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4f<span class=\"_ _0\"></span>tsjahr 2021<span class=\"_ _0\"></span> </div></div><div class=\"c w79 h12 gsb6\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w7e h12 gsb7\"><div class=\"t m0 x4a h6 y87 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w7c h12 gsb8\"><div class=\"t m0 x59 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></div><div class=\"c w7f h12 gsb9\"><div class=\"t m0 x79 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w78 h2a gsba\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fortgef\u00fchrte Anschaffun<span class=\"_ _0\"></span>gskosten vor Modifikationen<span class=\"_ _128\"> </span> </div></div><div class=\"c w79 h2a gsbb\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.486 </div></div><div class=\"c w7a h2a gsbc\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.206 </div></div><div class=\"c w7b h2a gsbd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.124<span class=\"_ _128\"> </span> </div></div><div class=\"c w7c h2a gsbe\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w7d h2a gsbf\"><div class=\"t m0 x29 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">110.816<span class=\"_ _128\"> </span> </div></div><div class=\"c w78 h12 gsc0\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> </div></div><div class=\"c w79 h12 gsc1\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">995</span> </div></div><div class=\"c w7a h12 gsc2\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">189</span> </div></div><div class=\"c w7b h12 gsc3\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">57</span> </div></div><div class=\"c w7c h12 gsc4\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w7d h12 gsc5\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.201<span class=\"_ _128\"> </span></div><div class=\"t m0 x42 h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w78 hc gsc6\"><div class=\"t m0 x90 h16 y5b5 ff4 fs6 fc2 sc0 ls0 ws0\">1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span><span class=\"ls20\"> </span></div><div class=\"t m0 x79 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">Saldo aus markt<span class=\"_ _5\"></span>- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span></div><div class=\"t m0 xa2 h16 y5b5 ff4 fs6 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs2f9\"><table class=\"s w421 h1fd\" id=\"_b5fdd7bf-e9ca-43f0-a457-fbefa14ca236\"><tr><td></td><td class=\"c x345 y1648 w173 h26\"><div class=\"t m0 x54 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x346 y1648 we h26\"><div class=\"t m0 x5a h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1648 w86 h26\"><div class=\"t m0 x13 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x308 y1649 w422 h1f1\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu AC bewerteten <span class=\"_ _0\"></span>finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y164a w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y164b w173 h6f\"><div class=\"t m0 x4f h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x346 y164b w9b h6f\"><div class=\"t m0 xd h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x348 y164b w175 h6f\"><div class=\"t m0 x29 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x349 y164b w30 h6f\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x308 y164c w424 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164d w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021* </div></td><td class=\"c x345 y164d w173 h39\"><div class=\"t m0 x4d h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">18.863.549<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164d we h39\"><div class=\"t m0 xc9 h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">5.602.656<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164d w86 h39\"><div class=\"t m0 x2b h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">342.671<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y164d w175 h39\"><div class=\"t m0 x85 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">40.330<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y164d w30 h39\"><div class=\"t m0 x8c h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">24.849.205<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y164e w172 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x345 y164e w173 h37\"><div class=\"t m0 x10 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">747.510<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164e we h37\"><div class=\"t m0 x4d h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-745.640<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164e w86 h37\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.871<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164f w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x345 y164f w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-331.097<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164f we h39\"><div class=\"t m0 xc h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">340.667<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164f w86 h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-9.570<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1650 w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x345 y1650 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-123.634<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1650 we h39\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-97.966<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1650 w86 h39\"><div class=\"t m0 x60 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">221.600<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1651 w425 h1fe\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1652 w426 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">neu ausgereichten od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1653 w427 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">erworbenen Verm\u00f6genswert<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1654 w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1655 w173 hc5\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">3.871.117<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1655 we hc5\"><div class=\"t m0 xc h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">977.008<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y1655 w30 hc5\"><div class=\"t m0 x9f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">4.848.125<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1656 w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1657 w429 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1658 w173 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.953.654<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1658 we h3b\"><div class=\"t m0 xc9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.953.654<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1659 w172 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Risikoparametern </div></td><td class=\"c x345 y1659 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-499.685<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1659 we h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.668.145<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1659 w86 h39\"><div class=\"t m0 x9f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-82.766<span class=\"fs2\"> </span></div></td><td class=\"c x348 y1659 w175 h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.080<span class=\"fs2\"> </span></div></td><td class=\"c x349 y1659 w30 h39\"><div class=\"t m0 x2b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.251.675<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165a w425 h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165b w42a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165c w173 h3b\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.993<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165c we h3b\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">965</span><span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165c w30 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.959<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165d w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165e w42b h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Ausbuchungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165f w173 h3b\"><div class=\"t m0 x36 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-2.538.742<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165f we h3b\"><div class=\"t m0 x4d h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-783.659<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165f w30 h3b\"><div class=\"t m0 x2b h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-3.322.401<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1660 w42c h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1661 w42d h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">von Abschreibungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1662 w425 h1ff\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1663 w42e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1664 w42f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">sonstigen Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1665 w173 h6f\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.052<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1665 we h6f\"><div class=\"t m0 x2d h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">61<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td class=\"c x349 y1665 w30 h6f\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.992<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1666 w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x345 y1666 w173 h39\"><div class=\"t m0 x4d h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">17.028.320<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1666 we h39\"><div class=\"t m0 xc9 h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">6.577.670<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1666 w86 h39\"><div class=\"t m0 x2b h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">470.064<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y1666 w175 h39\"><div class=\"t m0 x85 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">39.250<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y1666 w30 h39\"><div class=\"t m0 x8c h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">24.115.304<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1667 w176 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">* Die Vorjahreszahlen wurden au<span class=\"_ _0\"></span>fgrund einer Umgliederung angepasst<span class=\"_ _0\"></span>.<span class=\"ff5 fs4\"> </span></div></td><td class=\"c x34a y1668 w178 h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34b y1668 w173 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1668 w86 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">         <span class=\"ls0\">Stufe 3</span><span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1669 w430 h200\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu AC bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y166a w423 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y166b w17a h71\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x332 y166b w17b h71\"><div class=\"t m0 xf9 h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x21d y166b w17c h71\"><div class=\"t m0 x88 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x308 y166c w424 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y166d w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34a y166d w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.203<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166d w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">41.246<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y166d wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">156.213<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y166d w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">215.662<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166e w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x34a y166e w178 h37\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">954<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166e w173 h37\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.875<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y166e w17c h37\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.921<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166f w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x34a y166f w178 h37\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.855<span class=\"fs2\"> </span></div></td><td class=\"c x34b y166f w173 h37\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">7.108<span class=\"fs2\"> </span></div></td><td class=\"c x347 y166f wf h37\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">890</span><span class=\"fs2\"> </span></div></td><td class=\"c x21d y166f w17c h37\"><div class=\"t m0 x47 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.364<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1670 w177 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x34a y1670 w178 h39\"><div class=\"t m0 x42 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">525</span><span class=\"fs2\"> </span></div></td><td class=\"c x34b y1670 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.500<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1670 wf h39\"><div class=\"t m0 x72 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">53.963<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1670 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">50.939<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1671 w431 h201\"><div class=\"t m0 x177 h5 y1582 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1672 w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1673 w178 h6f\"><div class=\"t m0 x15 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">5.676<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1673 w173 h6f\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">9.426<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1673 w17c h6f\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">15.102<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1674 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Modell\u00e4nderungen </div></td><td class=\"c x34a y1674 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.070<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1674 w173 h39\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">16.766<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1674 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">14.696<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1675 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34a y1675 w178 h39\"><div class=\"t m0 x15 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">2.829<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1675 w173 h39\"><div class=\"t m0 x33 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-12.467<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1675 wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.101<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1675 w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-27.740<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1676 w432 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1677 w433 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1678 w178 h3b\"><div class=\"t m0 x14 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">10<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y1678 w173 h3b\"><div class=\"t m0 xa8 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1678 w17c h3b\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">12<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1679 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34a y1679 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.758<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1679 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.841<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1679 w17c h39\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.599<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167a w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td class=\"c x347 y167a wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167a w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y167b w425 h202\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167c w434 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _0\"></span> sonstigen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167d w435 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y167e w178 h71\"><div class=\"t m0 x10 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td class=\"c x34b y167e w173 h71\"><div class=\"t m0 xa8 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">5<span class=\"fs2\"> </span></div></td><td class=\"c x347 y167e wf h71\"><div class=\"t m0 xe h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.491<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167e w17c h71\"><div class=\"t m0 x4f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.486<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167f w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34a y167f w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.464<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y167f w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">50.869<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y167f wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">170.765<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y167f w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">240.099<span class=\"fs2 ls0\"> </span></div></td><td></td></tr></table></div><div class=\"gsa\"><table class=\"s w436 h203\" id=\"_6ec41fd6-3f03-42da-97a5-adefd8145509\"><tr><td class=\"c x178 y1680 w437 h204\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu FVOCI bewerteten finanzielle<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1681 w17f h38\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34d y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x34e y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1682 w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1683 w17f h6f\"><div class=\"t m0 x70 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34d y1683 w183 h6f\"><div class=\"t m0 xc h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34f y1683 w181 h6f\"><div class=\"t m0 x79 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x1ed y1683 w182 h6f\"><div class=\"t m0 x37 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1684 w438 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1685 w17e h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34c y1685 w17f h37\"><div class=\"t m0 xe h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1685 w182 h37\"><div class=\"t m0 x4 h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y1686 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1686 w182 h39\"><div class=\"t m0 x4 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">76.911 </div></td></tr><tr><td class=\"c x1bc y1687 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1688 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1689 w439 h205\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereichten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168a w43a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">oder erworbenen V<span class=\"_ _0\"></span>erm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168b w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168c w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modell\u00e4nderungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168d w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34c y168d w17f h37\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y168d w182 h37\"><div class=\"t m0 x3b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y168e w432 h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168f w433 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1690 w17e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34c y1690 w17f h39\"><div class=\"t m0 x14 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1690 w182 h39\"><div class=\"t m0 x1e h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y1691 w17e h38\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1692 w43b h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1693 w43c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und sonstigen Anp<span class=\"_ _0\"></span>assungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1694 w17e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34c y1694 w17f h39\"><div class=\"t m0 x2c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1694 w182 h39\"><div class=\"t m0 x2d h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1695 w43d h206\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu FVOCI bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1696 w185 h37\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td></td><td class=\"c x351 y1696 w8c h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x352 y1696 w31 h37\"><div class=\"t m0 x70 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1064 w423 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1697 w185 hc7\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x351 y1697 w186 hc7\"><div class=\"t m0 x10 h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x353 y1697 w6f hc7\"><div class=\"t m0 x5b h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1698 w438 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1699 w184 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td></td><td class=\"c x350 y1699 w185 h37\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y1699 w6f h37\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y169a w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169b w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169c w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169d w431 h201\"><div class=\"t m0 x177 h5 y11cc ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169e w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169f w425 h207\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a0 w429 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a1 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td></td><td class=\"c x350 y16a1 w185 h39\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a1 w6f h39\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y16a2 w425 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a3 w43e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen  ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a4 w184 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td></td><td class=\"c x350 y16a4 w185 h37\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a4 w6f h37\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y16a5 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a6 w184 h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Wechselkurs- </div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00e4nderungen und sonst<span class=\"_ _0\"></span>igen Anpassungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a7 w184 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td></td><td class=\"c x350 y16a7 w185 hc\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a7 w6f hc\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td></tr></table></div>Das maximale Ausfallrisiko des Oberban<span class=\"_ _0\"></span>k-Kon<span class=\"_ _0\"></span>zerns ergibt sich aus den in der Bilanzposition<span class=\"_ _0\"></span> Barreserve enthaltenen <span class=\"_ _0\"></span> Forderungen an Nat<span class=\"_ _0\"></span>ionalbanken und den Bilanzposten Ford<span class=\"_ _0\"></span>erungen an Kreditinstitute, Forderungen an Kunden, d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span> festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er Finanzanlagen, den Kreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten ein-<span class=\"_ _128\"> </span>schlie\u00dflich nicht ausgen\u00fct<span class=\"_ _0\"></span>zter Kreditrahmen sowie den Operating Leasing Forderun<span class=\"_ _0\"></span>gen und bel\u00e4uft sich auf 30.804 Mio.<span class=\"_ _0\"></span> Euro (Vorjahr 31.304 Mio.<span class=\"_ _0\"></span> Euro). Diesem Wert stehen in<span class=\"_ _0\"></span>sgesamt Kreditsicherheiten in<span class=\"_ _0\"></span> der H\u00f6he von 13.017,7 Mio. Euro<span class=\"_ _128\"> </span>(Vorjahr 12.135,9 Mio. Eur<span class=\"_ _0\"></span>o) gegen\u00fcber, davon f\u00fcr wertberichtigte und non<span class=\"_ _1\"></span>-performing Forderungen 303,5 Mio. Euro (Vor-<span class=\"_ _128\"> </span>jahr 218,0 Mio. Euro). In<span class=\"_ _0\"></span> den Zinsen und \u00e4hnlichen Ertr\u00e4gen ist ein Betrag in<span class=\"_ _1\"></span> H\u00f6he von 17,8 Mio. Euro (Vorjahr 11,9 Mio.<span class=\"_ _0\"></span> Euro) aus wertgemindert<span class=\"_ _0\"></span>en Forderungen an Kunden enthalten.<span class=\"_ _0\"></span> Das maximale Ausfallrisiko aus den n<span class=\"_ _0\"></span>ach Fair Value bewerteten Forderungen ent<span class=\"_ _0\"></span>spricht dem beizulegenden Zeitwert.<span class=\"_ _1\"></span> Die Impairment-Krit<span class=\"_ _0\"></span>erien f\u00fcr in den Fina<span class=\"ff9\">nzan<span class=\"_ _0\"></span>lagen enthaltene Schuldtitel sind unter Note 2.5, \u201eWertminderu<span class=\"_ _0\"></span>ng bei </span> Schuldtiteln\u201c, dargestellt.<span class=\"ff4\"> <span class=\"_ _7\"> </span> </span><table class=\"s w451 h20e\" id=\"_004c9ba9-af07-40ce-bdca-b9cbbc25bc02\"><tr><td class=\"c x178 y171a w452 h20f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171b w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y171b w37 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y171b w36 h39\" colspan=\"2\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td></tr><tr><td class=\"c x178 y171c w453 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171d w19c hcd\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y171d w19d hcd\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y171d w19e hcd\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y171d w19f hcd\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y171e w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y171f w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.216.228 </div></td><td class=\"c x370 y171f w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.630.975 </div></td><td></td><td></td><td class=\"c x373 y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.847.202 </div></td></tr><tr><td class=\"c x1dc y1720 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y1720 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.041.996 </div></td><td class=\"c x370 y1720 w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.577.866 </div></td><td></td><td class=\"c x372 y1720 w40 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">15<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1720 w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.619.876 </div></td></tr><tr><td class=\"c x1dc y1721 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y1721 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.095 </div></td><td class=\"c x370 y1721 w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">368.830 </div></td><td></td><td class=\"c x372 y1721 w40 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.167 </div></td><td class=\"c x373 y1721 w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">444.091 </div></td></tr><tr><td class=\"c x1dc y1722 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">470.064 </div></td><td class=\"c x372 y1722 w40 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.068 </div></td><td class=\"c x373 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.133 </div></td></tr><tr><td class=\"c x1dc y1723 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.332.318<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1723 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.577.670<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1723 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">470.064<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1723 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.419.302<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1724 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1724 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.500 </div></td><td class=\"c x370 y1724 w37 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.869 </div></td><td class=\"c x371 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-170.765 </div></td><td></td><td class=\"c x373 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-240.134 </div></td></tr><tr><td class=\"c x1dc y1725 w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.313.818<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1725 w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.526.801<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1725 w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">299.300<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1725 w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.179.168<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1726 w452 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y1727 w37 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1728 w453 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1729 w19c h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y1729 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y1729 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y1729 w19f h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y172a w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y172b w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.835.616 </div></td><td class=\"c x370 y172b w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.061.195 </div></td><td></td><td></td><td class=\"c x373 y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.896.811 </div></td></tr><tr><td class=\"c x1dc y172c w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y172c w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.871.148 </div></td><td class=\"c x370 y172c w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.014.364 </div></td><td></td><td class=\"c x372 y172c w40 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4 </div></td><td class=\"c x373 y172c w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.885.516 </div></td></tr><tr><td class=\"c x1dc y172d w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y172d w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.377 </div></td><td class=\"c x370 y172d w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">515.098 </div></td><td></td><td></td><td class=\"c x373 y172d w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">590.475 </div></td></tr><tr><td class=\"c x1dc y172e w12f h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">342.671 </div></td><td class=\"c x372 y172e w40 h3c\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.325 </div></td><td class=\"c x373 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.996 </div></td></tr><tr><td class=\"c x1dc y172f w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.782.141<span class=\"ls0\"> </span></div></td><td class=\"c x370 y172f w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.590.657<span class=\"ls0\"> </span></div></td><td class=\"c x371 y172f w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">342.671<span class=\"ls0\"> </span></div></td><td class=\"c x372 y172f w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.755.798<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1730 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1730 w36 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.251 </div></td><td class=\"c x370 y1730 w37 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.246 </div></td><td class=\"c x371 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-156.213 </div></td><td></td><td class=\"c x373 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-215.710 </div></td></tr><tr><td class=\"c x1dc y1731 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.763.890<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1731 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.549.411<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1731 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">186.458<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1731 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.540.089<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1732 w454 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y1733 w40 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1734 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1735 w19f h53\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1735 w19d h53\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1735 w19e h53\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1735 w19c h53\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1736 w456 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1737 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.778 </div></td><td class=\"c x375 y1737 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">361.409 </div></td><td></td><td></td><td class=\"c x378 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.394.187 </div></td></tr><tr><td class=\"c x1dc y1738 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.560 </div></td><td class=\"c x375 y1738 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">464.486 </div></td><td></td><td class=\"c x377 y1738 w37 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.050.057 </div></td></tr><tr><td class=\"c x1dc y1739 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.235 </div></td><td class=\"c x375 y1739 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.487 </div></td><td></td><td></td><td class=\"c x378 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.723 </div></td></tr><tr><td class=\"c x1dc y173a w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.972 </div></td><td class=\"c x377 y173a w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">16<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.988 </div></td></tr><tr><td class=\"c x1dc y173b w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.629.573<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173b w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">850.382<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173b w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">8.972<span class=\"ls0\"> </span></div></td><td class=\"c x377 y173b w37 h37\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">28<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.488.955<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y173c w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y173c w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.525 </div></td><td class=\"c x375 y173c w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.390 </div></td><td class=\"c x307 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-113.663 </div></td><td class=\"c x377 y173c w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">219</span> </div></td><td class=\"c x378 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-127.796 </div></td></tr><tr><td class=\"c x1dc y173d w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.622.048<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173d w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">843.993<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173d w36 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104.691</span> </div></td><td class=\"c x377 y173d w37 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">191</span> </div></td><td class=\"c x378 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.361.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y173e w454 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y173f w40 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1740 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1741 w19f h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1741 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1741 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1741 w19c h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1742 w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1743 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.228.527 </div></td><td class=\"c x375 y1743 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.875 </div></td><td></td><td></td><td class=\"c x378 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.267.402 </div></td></tr><tr><td class=\"c x1dc y1744 w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.858.508 </div></td><td class=\"c x375 y1744 w40 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">293.533 </div></td><td></td><td class=\"c x377 y1744 w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.152.078 </div></td></tr><tr><td class=\"c x1dc y1745 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.906 </div></td><td class=\"c x375 y1745 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.425 </div></td><td></td><td></td><td class=\"c x378 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.331 </div></td></tr><tr><td class=\"c x1dc y1746 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.342 </div></td><td class=\"c x377 y1746 w37 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.048 </div></td><td class=\"c x378 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.390 </div></td></tr><tr><td class=\"c x1dc y1747 w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.104.941<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1747 w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">376.834<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1747 w36 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">12.342<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1747 w37 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.084<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.499.201<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1748 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.878 </div></td><td class=\"c x375 y1748 w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.125 </div></td><td class=\"c x307 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.080 </div></td><td class=\"c x377 y1748 w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">413</span> </div></td><td class=\"c x378 y1748 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.496 </div></td></tr><tr><td class=\"c x1dc y1749 w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.095.063<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1749 w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">370.708<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1749 w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.262<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1749 w37 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.671<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.475.705<span class=\"ls0\"> </span></div></td></tr></table>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span>per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span>Stage 2<span class=\"_ _128\"> </span>Stage 3<span class=\"_ _128\"> </span>12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCI<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Sehr gut<span class=\"_ _128\"> </span>733.938<span class=\"_ _128\"> </span>224.989<span class=\"_ _128\"> </span>958.928<span class=\"_ _128\"> </span>Gut<span class=\"_ _128\"> </span>543.937<span class=\"_ _128\"> </span>96.809<span class=\"_ _128\"> </span>640.747<span class=\"_ _128\"> </span>Mangelhaft<span class=\"_ _128\"> </span>2.507<span class=\"_ _128\"> </span>16.782<span class=\"_ _128\"> </span>19.290<span class=\"_ _128\"> </span>Non performing<span class=\"_ _128\"> </span>20.957<span class=\"_ _128\"> </span>20.957<span class=\"_ _128\"> </span>Eventualobligo Brutto<span class=\"_ _128\"> </span>1.280.383<span class=\"ls0\"> </span>338.581<span class=\"ls0\"> </span>20.957<span class=\"ls0\"> </span>1.639.921<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span>-1.811<span class=\"_ _128\"> </span>-3.800<span class=\"_ _128\"> </span>-4.089<span class=\"_ _128\"> </span>-9.700<span class=\"_ _128\"> </span>Eventualobligo Netto<span class=\"_ _128\"> </span>1.278.572<span class=\"ls0\"> </span>334.781<span class=\"ls0\"> </span>16.868<span class=\"ls0\"> </span>1.630.221<span class=\"ls0\"> </span>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span>per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span>Stage 2<span class=\"_ _128\"> </span>Stage 3<span class=\"_ _128\"> </span>12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCI<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Sehr gut<span class=\"_ _128\"> </span>774.620<span class=\"_ _128\"> </span>18.479<span class=\"_ _128\"> </span>793.099<span class=\"_ _128\"> </span>Gut<span class=\"_ _128\"> </span>493.753<span class=\"_ _128\"> </span>72.366<span class=\"_ _128\"> </span>566.119<span class=\"_ _128\"> </span>Mangelhaft<span class=\"_ _128\"> </span>2.883<span class=\"_ _128\"> </span>27.495<span class=\"_ _128\"> </span>30.378<span class=\"_ _128\"> </span>Non performing<span class=\"_ _128\"> </span>11.473<span class=\"_ _128\"> </span>11.473<span class=\"_ _128\"> </span>Eventualobligo Brutto<span class=\"_ _128\"> </span>1.271.256<span class=\"ls0\"> </span>118.340<span class=\"ls0\"> </span>11.473<span class=\"ls0\"> </span>1.401.070<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span>-2.259<span class=\"_ _128\"> </span>-3.024<span class=\"_ _128\"> </span>-9.652<span class=\"_ _128\"> </span>-14.935<span class=\"_ _128\"> </span>Eventualobligo Netto<span class=\"_ _128\"> </span>1.268.998<span class=\"ls0\"> </span>115.316<span class=\"ls0\"> </span>1.821<span class=\"ls0\"> </span>1.386.135<span class=\"ls0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-424": {
   "value": "Wertberichtigung je Segment<span class=\"_ _0\"></span><span class=\"ff4\"> </span><table class=\"s w2c5 h16e\" id=\"_0dee6512-af60-4dfe-919e-538bf3018419\"><tr><td></td><td class=\"c x1d9 y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 1<span class=\"_ _128\"> </span></div></td><td class=\"c x1da y1145 w2c7 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ECL-Kalkulation<span class=\"_ _128\"> </span></div></td><td class=\"c x1db y1145 w2c6 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">100% Stufe 2<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1146 w6a h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x1dd y1147 w2c8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">12M<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td><td class=\"c x1de y1147 w2c9 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x1df y1147 w2ca h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span></div></td></tr><tr><td class=\"c x1dc y1148 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Banken </div></td><td class=\"c x1e0 y1148 w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">961</span> </div></td><td class=\"c x1e1 y1148 w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">966</span> </div></td><td class=\"c x1e2 y1148 w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.834 </div></td></tr><tr><td class=\"c x1dc y1149 w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Corporate </div></td><td class=\"c x1e0 y1149 w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-25.419 </div></td><td class=\"c x1e1 y1149 w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-62.545 </div></td><td class=\"c x1e2 y1149 w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-130.203 </div></td></tr><tr><td class=\"c x1dc y114a w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Retail </div></td><td class=\"c x1e0 y114a w6f h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.817 </div></td><td class=\"c x1e1 y114a w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.480 </div></td><td class=\"c x1e2 y114a w71 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.308 </div></td></tr><tr><td class=\"c x1dc y114b w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">SME </div></td><td class=\"c x1e0 y114b w6f h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.985 </div></td><td class=\"c x1e1 y114b w70 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.106 </div></td><td class=\"c x1e2 y114b w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.543 </div></td></tr><tr><td class=\"c x1dc y114c w6e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sovereign </div></td><td class=\"c x1e0 y114c w6f h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">601</span> </div></td><td class=\"c x1e1 y114c w70 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">799</span> </div></td><td class=\"c x1e2 y114c w71 h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.136 </div></td></tr><tr><td class=\"c x1dc y114d w6e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">SUMME<span class=\"ff4\"> </span></div></td><td class=\"c x1e0 y114d w6f h39\"><div class=\"t m0 x2d h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-48.784<span class=\"ff5\"> </span></div></td><td class=\"c x1e1 y114d w70 h39\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-88.896 </div></td><td class=\"c x1e2 y114d w71 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-169.024 </div></td></tr></table>Risikovorsorgen im Kreditgesch<span class=\"_ _0\"></span>\u00e4ft<span class=\"_ _128\"> </span>Der Posten Risikovorsorgen im Kredit<span class=\"_ _0\"></span>gesch\u00e4ft beinhaltet Zuf\u00fchrungen zu Wertbericht<span class=\"_ _0\"></span>igungen und R\u00fcckstellungen bzw<span class=\"_ _0\"></span>. Er-<span class=\"_ _128\"> </span>tr\u00e4ge aus der Aufl\u00f6sung von Wert<span class=\"_ _0\"></span>berichtigungen und R\u00fcckstellungen, Direktabschr<span class=\"_ _0\"></span>eibungen, nachtr\u00e4gliche Eing\u00e4nge bereits<span class=\"_ _128\"> </span>ausgebuchter Forderun<span class=\"_ _0\"></span>gen im Zusammenhang mit<span class=\"_ _0\"></span> dem Kreditgesch\u00e4ft sowie das Er<span class=\"_ _0\"></span>gebnis aus nicht signifikanten <span class=\"_ _0\"></span> Modifikationen und POCI Finanzinst<span class=\"_ _0\"></span>rumenten.<span class=\"_ _128\"> </span>15) Risikovorsorgen<span class=\"_ _128\"> </span>siehe Note 43, \u201eKreditrisiko\u201c<span class=\"ff5\"> </span><div class=\"gsa\"><table class=\"s w344 h1b8\" id=\"_44922ec6-2ba3-40b7-ba33-225ba6f342a5\"><tr><td class=\"c x178 y13b6 w345 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13b7 w346 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13b8 w347 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13b8 w348 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13b9 w349 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13ba w34a h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13bb w34b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13bb w34c h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13bc w34d h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13bd wdb h92\"><div class=\"t m0 x3b h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td><td class=\"c x25c y13bd wde h92\"><div class=\"t m0 x59 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2022 </div></td><td class=\"c x25d y13bd wdf h92\"><div class=\"t m0 x15 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13bd wdd h92\"><div class=\"t m0 x36 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td></tr><tr><td class=\"c x1bc y13be wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13be wdb h2a\"><div class=\"t m0 xb1 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25c y13be wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">420<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13be wdf h2a\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25e y13be wdd h2a\"><div class=\"t m0 x34 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y13bf wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13bf wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.069 </div></td><td class=\"c x25c y13bf wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">63.395 </div></td><td class=\"c x25d y13bf wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td><td class=\"c x25e y13bf wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td></tr><tr><td class=\"c x1bc y13c0 wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13c0 wdb h12\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.207 </div></td><td class=\"c x25c y13c0 wde h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">101.856 </div></td><td class=\"c x25d y13c0 wdf h12\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td><td class=\"c x25e y13c0 wdd h12\"><div class=\"t m0 x9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td></tr><tr><td class=\"c x1bc y13c1 wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13c1 wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.080 </div></td><td class=\"c x25c y13c1 wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.171 </div></td><td class=\"c x25d y13c1 wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td><td class=\"c x25e y13c1 wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td></tr></table></div><div class=\"gs172\"><table class=\"s w344 h1ba\" id=\"_d0c76b1b-7115-44fe-b486-32ce8152a8f1\"><tr><td class=\"c x178 y13c2 w345 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c3 w346 h1bc\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13c4 w347 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13c4 w348 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13c5 w349 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c6 w34a h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13c7 w34b h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13c7 w34c h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13c8 w34d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13c9 wdb hc\"><div class=\"t m0 x3b h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td><td class=\"c x25c y13c9 wde hc\"><div class=\"t m0 x59 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2021 </div></td><td class=\"c x25d y13c9 wdf hc\"><div class=\"t m0 x15 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13c9 wdd hc\"><div class=\"t m0 x36 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td></tr><tr><td class=\"c x1bc y13ca wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13ca wdb h2a\"><div class=\"t m0 xc0 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">48</span> </div></td><td class=\"c x25c y13ca wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">587<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13ca wdf h2a\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td><td class=\"c x25e y13ca wdd h2a\"><div class=\"t m0 xd4 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y13cb wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13cb wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.082 </div></td><td class=\"c x25c y13cb wde h12\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">21.888 </div></td><td class=\"c x25d y13cb wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td><td class=\"c x25e y13cb wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td></tr><tr><td class=\"c x1bc y13cc wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13cc wdb hc\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.062 </div></td><td class=\"c x25c y13cc wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.466 </div></td><td class=\"c x25d y13cc wdf hc\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td><td class=\"c x25e y13cc wdd hc\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td></tr><tr><td class=\"c x1bc y13cd wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13cd wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.015 </div></td><td class=\"c x25c y13cd wde h12\"><div class=\"t m0 x2c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.084 </div></td><td class=\"c x25d y13cd wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td><td class=\"c x25e y13cd wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td></tr></table></div><div class=\"gs173\"><table class=\"s w34e h1bd\" id=\"_fab075b1-d021-4a36-9e7c-62abc5e55e9f\"><tr><td class=\"c x178 y13cf w345 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13d1 w34f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13d2 w350 h1bc\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13d3 w351 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13d4 w352 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13d5 w353 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13d6 w354 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13d7 w355 h1af\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13d8 w339 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13d9 w356 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13da w357 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13dc w358 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13dd we0 h2a\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13dd we1 h2a\"><div class=\"t m0 x4a h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td class=\"c x26e y13dd we2 h2a\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13de we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13de we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td class=\"c x26e y13de we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13de w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">275<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13de w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table></div><div class=\"c wb1 h12 gs1f5\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">34) Non-performing loans </div></div><div class=\"c w111 h12 gs1f6\"><div class=\"t m0 x87 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">siehe Note 43, \u201eKreditrisiko\u201c<span class=\"ff5\"> </span></div></div>Kreditrisiko<span class=\"_ _128\"> </span> F\u00fcr das Management d<span class=\"_ _0\"></span>es Kreditrisikos ist die Abteilung <span class=\"_ _0\"></span>Kredit-Management zust\u00e4ndig. Sie ist vo<span class=\"_ _0\"></span>m Vertrieb getrennt, sodass<span class=\"_ _128\"> </span> die Risikobewertung und <span class=\"_ _0\"></span>-entscheidung in jeder Phase des Kreditprozesses bis hin<span class=\"_ _0\"></span> zur Vorstandsebene unabh\u00e4n<span class=\"_ _0\"></span>gig vom Ver-<span class=\"_ _128\"> </span>trieb gew\u00e4hrleistet sind.<span class=\"_ _128\"> </span>43) Kreditrisiko<span class=\"_ _128\"> </span>Als Kreditrisiko wird das Risiko verstanden<span class=\"_ _0\"></span>, dass ein Kreditnehmer den vertragsgem\u00e4\u00dfen Zahlun<span class=\"_ _0\"></span>gen nicht oder nur teilweise<span class=\"_ _128\"> </span>nachkommt. Das Kreditrisiko <span class=\"_ _0\"></span>aus Forderungen an Banken, L\u00e4ndern sow<span class=\"_ _0\"></span>ie Privat<span class=\"_ _0\"></span>- und Firmenkunden s<span class=\"_ _0\"></span>tellt die wesentlichste<span class=\"_ _128\"> </span>Risikokomponente im Oberb<span class=\"_ _0\"></span>ank-Konzern dar. Die Risikosteuerun<span class=\"_ _0\"></span>g des Kreditmanagements umfasst Adressau<span class=\"_ _0\"></span>sfall<span class=\"_ _0\"></span>- sowie<span class=\"_ _128\"> </span>Kontrahentenrisiken, L\u00e4nd<span class=\"_ _0\"></span>errisiken, das Fremdw\u00e4hrungskreditrisiko, das Risiko einer Anpassung der Kreditb<span class=\"_ _0\"></span>ewertung (CVA<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>Risiko) sowie Konzentr<span class=\"_ _0\"></span>ationsrisiken. Die Oberbank A<span class=\"_ _0\"></span>G hat keine Gesch\u00e4fte aus dem Bereich Verbr<span class=\"_ _0\"></span>iefungen im Portfolio.<span class=\"_ _0\"></span> Kreditrisikostrategie<span class=\"_ _128\"> </span>Die Strategie im Kreditgesch\u00e4ft ist getragen v<span class=\"_ _0\"></span>om Regionalit\u00e4tsprinzip, der Sitz der Kredit<span class=\"_ _0\"></span>kunden befindet sich in den durch<span class=\"_ _128\"> </span>das Filialnetz abgedeckten Regi<span class=\"_ _0\"></span>onen.<span class=\"_ _128\"> </span>Der Fokus liegt vorwiegend auf der Finan<span class=\"_ _0\"></span>zierung der Industrie und des wirtschaft<span class=\"_ _0\"></span>lichen Mittelstandes. Die operat<span class=\"_ _0\"></span>iven Risiko-<span class=\"_ _128\"> </span>ziele werden zumindest j\u00e4hr<span class=\"_ _0\"></span>lich im Zuge der Budgetierung und im Anlassfall nach A<span class=\"_ _0\"></span>nalyse der gesch\u00e4ftspolitischen Au<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>gangssituat<span class=\"_ _0\"></span>ion sowie der aktuellen Entwicklung von der Gesch\u00e4ftsleitun<span class=\"_ _0\"></span>g mit der Leitung Kredit<span class=\"_ _0\"></span>-Management festgelegt. Das<span class=\"_ _128\"> </span>Volumen der Fremdw\u00e4hrungskredite ist mit<span class=\"_ _0\"></span> 5% der gesamten Forderungen an<span class=\"_ _0\"></span> Kunden bzw. 7% der Privatkredite beschr\u00e4nkt.<span class=\"_ _128\"> </span>Die Neuvergabe von Fremdw<span class=\"_ _0\"></span>\u00e4hrungskrediten an Konsumenten erfolgt gem\u00e4\u00df den st<span class=\"_ _0\"></span>rengen Bestimmungen der FMA Min-<span class=\"_ _128\"> </span>deststandards vo<span class=\"_ _0\"></span>m Juni 2017. Die Ausrichtung der Organisation ist kon<span class=\"_ _0\"></span>form mit den Mindeststandards f\u00fcr das Kreditge-<span class=\"_ _128\"> </span>sch\u00e4ft.<span class=\"_ _128\"> </span>Kreditentscheidungsprozess Klar definierte Aufgaben<span class=\"_ _0\"></span>zuweisungen gew\u00e4hrleisten eind<span class=\"_ _0\"></span>eutige Zust\u00e4ndigkeiten, standardisieren die Ar<span class=\"_ _0\"></span>beitsabl\u00e4ufe, <span class=\"_ _0\"></span> vermeiden Doppelgleisigkeiten un<span class=\"_ _0\"></span>d stellen somit einen reibungslosen Ab<span class=\"_ _0\"></span>lauf der Kreditantragsbewilligung sicher. Der <span class=\"_ _1\"></span> Prozess der Kreditgew\u00e4hrung umfasst alle Arb<span class=\"_ _0\"></span>eits<span class=\"_ _0\"></span>abl\u00e4ufe, die bis zur Auszahlun<span class=\"_ _0\"></span>g des Kredits oder Einrichtung einer Linie<span class=\"_ _128\"> </span>erforderlich sind. Diese Prozesse werden u<span class=\"_ _0\"></span>nter Beachtung der Risikostrat<span class=\"_ _0\"></span>egie in standardisierten Verfahren abgewickelt.<span class=\"_ _1\"></span> Internes Rating und Bonit\u00e4tsbeurteilung<span class=\"_ _128\"> </span>Um ein effektives Kreditrisikoman<span class=\"_ _0\"></span>agement und in diesem Sinne eine faire, risikoad<span class=\"_ _0\"></span>\u00e4quate Konditionen<span class=\"_ _0\"></span>gestaltung in einer<span class=\"_ _128\"> </span>Bank etablieren zu k\u00f6nn<span class=\"_ _0\"></span>en, bedarf es eines leistungsf\u00e4higen Systems zur Bo<span class=\"_ _0\"></span>nit\u00e4tsbeurteilung. Die Oberbank AG betr<span class=\"_ _0\"></span>achtet<span class=\"_ _128\"> </span>den Bonit\u00e4tsbeurteilun<span class=\"_ _0\"></span>gsprozess als eine ihrer Kernkomp<span class=\"_ _0\"></span>etenzen. Im Firmenkundengesch\u00e4ft kommt ein mit st<span class=\"_ _0\"></span>atistischen<span class=\"_ _128\"> </span>Methoden entw<span class=\"_ _0\"></span>ickeltes Ratingsystem zur Anwendung. Gleiches gilt f\u00fcr das Bestand<span class=\"_ _0\"></span>srating im Privatkundengesch\u00e4ft sowie<span class=\"_ _128\"> </span>f\u00fcr das Antragsrating im Privatkundengesch\u00e4ft in<span class=\"_ _0\"></span> \u00d6sterreich un<span class=\"_ _0\"></span>d Deutschland.<span class=\"_ _128\"> </span>Es gibt unterschiedliche Verfahren zur<span class=\"_ _0\"></span> Bonit\u00e4tsbeurteilung im Firmenbereich (Ratingver<span class=\"_ _0\"></span>fahren) und im Privatbereich <span class=\"_ _1\"></span> (Scoringverfahren). Die Rat<span class=\"_ _0\"></span>ingverfahren ermitteln ein Hard<span class=\"_ _0\"></span>-Facts Ratin<span class=\"_ _0\"></span>g (basierend auf aktuell verf\u00fcgbaren Bilanzen sowie<span class=\"_ _128\"> </span>einer Bilanzprogno<span class=\"_ _0\"></span>se) und ein Soft-Facts Rating (qualitat<span class=\"_ _0\"></span>ive Informationen wie Produkte, Markt etc.). Zu<span class=\"_ _0\"></span>sammen mit Warni-<span class=\"_ _128\"> </span>ndikatoren und Kontod<span class=\"_ _0\"></span>aten wird das finale Ratingergebnis ermittelt.<span class=\"_ _128\"> </span>Die Scoringverfahren setzen sich f\u00fcr<span class=\"_ _0\"></span> neue Privatkunden aus einem Antrag<span class=\"_ _1\"></span>sscoring (Negativinfos, Einkommen und<span class=\"_ _0\"></span> Struktur-<span class=\"_ _128\"> </span>daten) und f\u00fcr Best<span class=\"_ _0\"></span>andskunden aus einem automatisierten Folgescoring (Konto<span class=\"_ _0\"></span>verhalten, Einkommen und Strukturdat<span class=\"_ _0\"></span>en)<span class=\"_ _128\"> </span>zusammen. Die Rating- u<span class=\"_ _0\"></span>nd Scoringverfahren ermitteln eine gesch\u00e4tzte Au<span class=\"_ _0\"></span>sfallwahrscheinlichkeit <span class=\"_ _0\"></span>pro Kund<span class=\"_ _0\"></span>e. Diese Ausfall-<span class=\"_ _128\"> </span>wahrscheinlichkeit wird au<span class=\"_ _0\"></span>f eine Masterskala gemappt. Somit ist sichergestellt, das<span class=\"_ _0\"></span>s eine bestimmte Ratingnote, die aus ver-<span class=\"_ _128\"> </span>schiedenen Ratingverfahr<span class=\"_ _0\"></span>en resultiert, dieselbe Ausfallwahrscheinlichkeit darstellt. <span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>ie Bonit\u00e4tsbeurteilung <span class=\"_ _0\"></span>von Banken und<span class=\"_ _128\"> </span>L\u00e4ndern sowie die damit v<span class=\"_ _0\"></span>erbundene Festlegung von Limiten erfolgt a<span class=\"_ _0\"></span>uf Basis externer Ratings und Bilan<span class=\"_ _0\"></span>zanalysen von Ban-<span class=\"_ _128\"> </span>ken, kombiniert mit qualitativen Kriterien.<span class=\"_ _0\"></span> Die Ratingverfahren werden<span class=\"_ _0\"></span> j\u00e4hrlich validiert. Die resultierenden Erkenntn<span class=\"_ _0\"></span>isse<span class=\"_ _0\"></span> werden laufend zur Weiterentwicklung u<span class=\"_ _0\"></span>nd<span class=\"_ _128\"> </span>Verbesserung der R<span class=\"_ _0\"></span>atingverfahren verwendet. Der Ratingprozess wird b<span class=\"_ _0\"></span>ei Kreditvergabe und in weiterer Folge zumindest<span class=\"_ _128\"> </span>einmal j\u00e4hrlich durch<span class=\"_ _0\"></span>gef\u00fchrt. Die Kompetenz zur Freigabe der Ratin<span class=\"_ _0\"></span>gs wird durch die Abteilung Kre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>-Management wahrge-<span class=\"_ _128\"> </span>nommen. Zwischen d<span class=\"_ _0\"></span>er Einstufung im Risikoklassifizierungsverfah<span class=\"_ _0\"></span>ren und der Kondition<span class=\"_ _0\"></span>engestaltung besteht ein sachlich<span class=\"_ _128\"> </span>nachvollziehbarer Zu<span class=\"_ _0\"></span>sammenhang (risikoorientierte Konditionenp<span class=\"_ _0\"></span>olitik), der mittels automatisierter Prozesse unterst\u00fct<span class=\"_ _1\"></span>zt<span class=\"_ _128\"> </span>wird.<span class=\"_ _128\"> </span>Risikosteuerung und Controlling<span class=\"_ _0\"></span> <span class=\"_ _78\"> </span> Die operative Steuerung des Kreditp<span class=\"_ _0\"></span>ortfolios erfolgt haupts\u00e4chlich auf Basis der Unterd<span class=\"_ _0\"></span>eckungen je Ratingstufe. Die <span class=\"_ _0\"></span> Unterdeckungen werden ab d<span class=\"_ _0\"></span>er Ratingstufe 4a auf Einzelkundenbasis im Rahmen des j\u00e4hrlichen Bu<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>tieru<span class=\"_ _0\"></span>ngskreislaufes<span class=\"_ _128\"> </span>geplant und es wird mon<span class=\"_ _0\"></span>atlich je Gesch\u00e4ftsstelle die Abweichung vom Sollwert<span class=\"_ _0\"></span> ermittelt. Das laufende Controlling erfolgt<span class=\"_ _128\"> </span>\u00fcber das IT-<span class=\"ff9\">Risikocockpit<span class=\"_ _0\"></span> \u201eROSI\u201c (Risikoorientierte Steuerungsin<span class=\"_ _0\"></span>strumente), das den im Kreditpr<span class=\"_ _0\"></span>ozess beteiligten St<span class=\"_ _0\"></span></span>ellen<span class=\"_ _128\"> </span>quantitative und qualitat<span class=\"_ _0\"></span>ive Informationen zum Kreditgesch\u00e4ft laufend<span class=\"_ _0\"></span> zur Verf\u00fcgung stellt. Der Risikovorsorgebedarf wird<span class=\"_ _128\"> </span>monatlich ermittelt und in d<span class=\"_ _0\"></span>er Ergebnisvorschau aktualisiert. Die N\u00e4he zu d<span class=\"_ _0\"></span>en KundInnen wird in d<span class=\"_ _0\"></span>er Oberbank AG generell<span class=\"_ _128\"> </span>gro\u00dfgeschrieben. Die Er<span class=\"_ _0\"></span>gebnisse aus tourlichen pers\u00f6nlichen Gespr\u00e4chen<span class=\"_ _0\"></span> mit den KundInnen sowie Kampagn<span class=\"_ _0\"></span>en, die aus<span class=\"_ _128\"> </span>aktuellen Anl\u00e4ssen r<span class=\"_ _0\"></span>esultieren (COVID-19, Gasabh\u00e4n<span class=\"_ _0\"></span>gigkeit) flie\u00dfen in das Rating ein (in die Hard<span class=\"_ _0\"></span> Facts Prognosen, in die Soft<span class=\"_ _128\"> </span>Facts und in die Fr\u00fchw<span class=\"_ _0\"></span>arnindikatoren). Die Frequenz d<span class=\"_ _0\"></span>ieser Check-Gespr\u00e4che wird in Krisen<span class=\"_ _0\"></span>jahren erh\u00f6ht. Au<span class=\"_ _0\"></span>fgrund der ge-<span class=\"_ _128\"> </span>genw\u00e4rtigen Auswirkungen d<span class=\"_ _0\"></span>es Krieges in der Ukraine und der damit<span class=\"_ _0\"></span> einhergehenden Energiekrise w<span class=\"_ _0\"></span>urde eine gro\u00dfange-<span class=\"_ _128\"> </span>legte Kampagne mit diesen Check<span class=\"_ _0\"></span>-Gespr\u00e4chen dur<span class=\"_ _0\"></span>chgef\u00fchrt. Die aktuelle Gesch\u00e4ftssitu<span class=\"_ _0\"></span>ation unserer KundInn<span class=\"_ _0\"></span>en wird somit<span class=\"_ _128\"> </span>sehr schnell in der Bonit\u00e4tsbeu<span class=\"_ _0\"></span>rteilung ber\u00fccksichtigt.<span class=\"_ _0\"></span> Darstellung des Portfolios<span class=\"_ _128\"> </span>Das Kreditrisikovolumen setzt<span class=\"_ _0\"></span> sich aus den in<span class=\"_ _0\"></span> der Bilanzposition Barreserve enthaltenen Forderungen an<span class=\"_ _0\"></span> Nationalbanken<span class=\"_ _128\"> </span>und den Bilanzpo<span class=\"_ _0\"></span>sitionen Forderungen an Kreditin<span class=\"_ _0\"></span>stitute, Forderungen an Kunden, den festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Finanzanlagen, den Kr<span class=\"_ _0\"></span>editrisiken aus Derivaten und E<span class=\"_ _0\"></span>ventualverbindlichkeiten einschlie\u00dflich nicht<span class=\"_ _0\"></span> ausgen\u00fctzter Kreditrah-<span class=\"_ _128\"> </span>men sowie den Operat<span class=\"_ _0\"></span>ing Leasing Forderungen des gesamten Oberbank A<span class=\"_ _0\"></span>G Konzerns zusammen und wird brutto, d.h. vor<span class=\"_ _128\"> </span>Abzug der Risikovorsorgen dar<span class=\"_ _0\"></span>gestellt. Um ein m\u00f6glichst aktuelles Bild der <span class=\"_ _0\"></span>Risikosit<span class=\"_ _0\"></span>uation der Bank wiederzugeben, werden<span class=\"_ _128\"> </span>auch die Positionen au<span class=\"_ _0\"></span>s dem Leasing-Teilkonzern per 31.12.2022 d<span class=\"_ _0\"></span>argestellt, w\u00e4hrend im Konzernabschluss <span class=\"_ _0\"></span>der Einbezug mit<span class=\"_ _128\"> </span>Zahlen zum 30.9.2022 erfolgt.<table class=\"s w3ec h1ec\" id=\"_d2b61aa7-75bf-42f4-862c-f5785df8330f\"><tr><td></td><td class=\"c x2f1 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td><td class=\"c x2f2 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1599 w13d h3a\"><div class=\"t m0 x90 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div></td><td class=\"c x2f3 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f4 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y159b w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kredite und Forderungen </div></td><td class=\"c x1e1 y159b w13e h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.503.848 </div></td><td class=\"c x2f5 y159b w13f h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.574.646 </div></td></tr><tr><td class=\"c x1dc y159c w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche Wertpap<span class=\"_ _0\"></span>iere  </div></td><td class=\"c x1e1 y159c w13e h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.088.027 </div></td><td class=\"c x2f5 y159c w13f h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.654.997 </div></td></tr><tr><td class=\"c x1dc y159d w13d h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _0\"></span> und Eventualverbindlichkeiten  </div></td><td class=\"c x1e1 y159d w13e h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.211.812 </div></td><td class=\"c x2f5 y159d w13f h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.074.169 </div></td></tr><tr><td class=\"c x1dc y159e w13d h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x1e1 y159e w13e h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td><td class=\"c x2f5 y159e w13f h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Der R\u00fcckgang bei den \u201eKred<span class=\"_ _0\"></span>iten und Forderungen\u201c resultiert aus dem star<span class=\"_ _0\"></span>ken R\u00fcckgang der Veranlagung der \u00dcberliqu<span class=\"_ _0\"></span>idit\u00e4t<span class=\"_ _128\"> </span>bei Nationalbanken (<span class=\"_ _0\"></span>- 2,0 Mrd. EUR) haupts\u00e4chlich in Folge einer T<span class=\"_ _0\"></span>eilr\u00fcckzahlung eines TLTRO in der H\u00f6h<span class=\"_ _0\"></span>e von 1,5 Mrd. <span class=\"_ _0\"></span>EUR.<span class=\"_ _128\"> </span>Zum Teil wurde dieser R\u00fcckgang d<span class=\"_ _0\"></span>urch das Wachstum d<span class=\"_ _0\"></span>er Forderungen an Kunden (+ 0,8 Mrd. EU<span class=\"_ _0\"></span>R) und Forderungen an<span class=\"_ _128\"> </span>Banken (+ 0,2 Mrd<span class=\"_ _0\"></span>. EUR) kompensiert.<span class=\"_ _128\"> </span>Nach Ende der Niedr<span class=\"_ _0\"></span>igzinsphase wurde im Jahr 2022 wieder verst\u00e4rkt in hochliquid<span class=\"_ _0\"></span>e Wertpapiere investie<span class=\"_ _0\"></span>rt. D<span class=\"_ _0\"></span>ies f\u00fchrte bei<span class=\"_ _128\"> </span>den festverzinslichen Wertpap<span class=\"_ _0\"></span>ieren zu einem Anstieg von 0,4 Mrd. EUR.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Verteilung nach Bonit\u00e4tsstufen<span class=\"_ _0\"></span> In der Bonit\u00e4tsstu<span class=\"_ _0\"></span>fe \u201eSehr gut\u201c (entspricht einer PD<span class=\"_ _0\"></span><span class=\"ff4\">-Bandbreite von 0,00% <span class=\"_ _0\"></span>- 0,39%) befinden sich die Ratingklassen AA,<span class=\"_ _0\"></span> A1,<span class=\"_ _128\"> </span></span>1a und <span class=\"_ _0\"></span><span class=\"ff9\">1b, in der Stufe \u201eGut\u201c (entspricht einer PD<span class=\"_ _0\"></span></span>-Bandbreite von 0,4% <span class=\"_ _0\"></span>- 3,49%) die Ratingklassen 2a, 2b, 3a und<span class=\"_ _0\"></span> 3b und in<span class=\"_ _128\"> </span>der Stufe \u201eMangelhaft<span class=\"_ _0\"></span>\u201c (entspricht einer PD<span class=\"_ _0\"></span><span class=\"ff4\">-Bandbreite von 3,5% - </span>99,9%) d<span class=\"_ _0\"></span>ie Ratingklassen 4a und 4b. In<span class=\"_ _0\"></span> der Stufe \u201enon<span class=\"_ _0\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span>performing\u201c befinden<span class=\"_ _0\"></span><span class=\"ff4\"> sich jene Kreditrisikovolumina, f\u00fcr die ein Au<span class=\"_ _0\"></span>sfallkriterium im Sinne der CRR II zutrifft: Die Ratingklasse<span class=\"_ _128\"> </span></span>5a beinhaltet jene Kred<span class=\"_ _0\"></span>itrisikovolumina, die noch nicht in Abwicklung sind<span class=\"_ _0\"></span>. Die Kreditrisikovolumina in den Ratingklassen 5b<span class=\"_ _0\"></span> und 5c werden bereits b<span class=\"_ _0\"></span>etrieben. Das gesamte non<span class=\"_ _0\"></span>-performing Kreditrisikovolumen beinhaltet wegen des hoh<span class=\"_ _0\"></span>en Besiche-<span class=\"_ _128\"> </span>rungsgrades einen Betrag von 79,4 M<span class=\"_ _0\"></span>io. Euro (Vorjahr 40,9 Mio. Eu<span class=\"_ _0\"></span>ro) an nicht wertgemindertem Kreditrisikovolu<span class=\"_ _0\"></span>men.<span class=\"_ _0\"></span> <table class=\"s w3ee h1ee\" id=\"_5ed34ed4-b5f5-414f-842a-024de4a61eb0\"><tr><td class=\"c x178 y159f w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y159f w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y159f w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15a0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15a1 w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15a1 w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15a1 w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15a2 w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15a3 w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15a4 w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15a5 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15a5 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.955.866 </div></td><td class=\"c x2ff y15a5 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.028.476 </div></td><td class=\"c x300 y15a5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.412.004 </div></td><td class=\"c x2fc y15a5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.396.346 </div></td></tr><tr><td class=\"c x1dc y15a6 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15a6 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.579.314 </div></td><td class=\"c x2ff y15a6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.250 </div></td><td class=\"c x300 y15a6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.713.917 </div></td><td class=\"c x2fc y15a6 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.352.481 </div></td></tr><tr><td class=\"c x1dc y15a7 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15a7 w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">447.970 </div></td><td class=\"c x2ff y15a7 w143 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a7 w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.263 </div></td><td class=\"c x2fc y15a7 w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">504.533 </div></td></tr><tr><td class=\"c x1dc y15a8 w141 h38\"><div class=\"t m0 x90 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15a8 w142 h38\"><div class=\"t m0 xf h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">520.699 </div></td><td></td><td class=\"c x300 y15a8 w144 h38\"><div class=\"t m0 x109 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">29.628 </div></td><td class=\"c x2fc y15a8 w145 h38\"><div class=\"t m0 x2e h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">550.328 </div></td></tr><tr><td class=\"c x1dc y15a9 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15a9 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15a9 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a9 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15a9 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15aa w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15aa w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15aa w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15ab w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15ac w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15ac w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15ac w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15ad w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15ae w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15af w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b0 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15b0 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.692.500 </div></td><td class=\"c x2ff y15b0 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.584.251 </div></td><td class=\"c x300 y15b0 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.197.267 </div></td><td class=\"c x2fc y15b0 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.474.018 </div></td></tr><tr><td class=\"c x1dc y15b1 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15b1 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.900.852 </div></td><td class=\"c x2ff y15b1 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">70.446 </div></td><td class=\"c x300 y15b1 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.750.412 </div></td><td class=\"c x2fc y15b1 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.721.709 </div></td></tr><tr><td class=\"c x1dc y15b2 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15b2 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">597.510 </div></td><td class=\"c x2ff y15b2 w143 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b2 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.031 </div></td><td class=\"c x2fc y15b2 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">691.841 </div></td></tr><tr><td class=\"c x1dc y15b3 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15b3 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">383.784 </div></td><td></td><td class=\"c x300 y15b3 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32.460 </div></td><td class=\"c x2fc y15b3 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.244 </div></td></tr><tr><td class=\"c x1dc y15b4 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15b4 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15b4 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b4 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15b4 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Verteilung nach Regionen<span class=\"_ _128\"> </span>Die geografische Darstellung des Kred<span class=\"_ _0\"></span>itrisikovolumens erfolgt nach dem Sitzland d<span class=\"_ _0\"></span>er SchuldnerInnen. Die folgenden T<span class=\"_ _0\"></span>abellen<span class=\"_ _128\"> </span>zeigen das Kreditrisikovolumen per 31.12.2022 u<span class=\"_ _0\"></span>nd 31.12.2021 nach Oberb<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>-M\u00e4rkten und anderen Regionen.<span class=\"_ _0\"></span> <table class=\"s w3ee h1ef\" id=\"_0279eed4-b7fe-4a0d-827b-d34f1ccc5c56\"><tr><td class=\"c x178 y15b5 w3f8 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x301 y15b5 w3f0 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x302 y15b5 w3f1 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x303 y15b5 w3f9 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _128\"> </span></div></td><td class=\"c x304 y15b6 w103 h3b\"><div class=\"t m0 x54 h6 y93f ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y15b7 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15b7 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x305 y15b7 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2af y15b7 w3fa h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">und Eventualverbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15b8 w54 h37\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.317.774 </div></td><td class=\"c x306 y15b8 w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">677.885 </div></td><td class=\"c x307 y15b8 w148 h37\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.434.837 </div></td><td class=\"c x304 y15b8 w103 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.430.497 </div></td></tr><tr><td class=\"c x1dc y15b9 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15b9 w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.627.064 </div></td><td class=\"c x306 y15b9 w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.687 </div></td><td class=\"c x307 y15b9 w148 h39\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.093.754 </div></td><td class=\"c x304 y15b9 w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.850.505 </div></td></tr><tr><td class=\"c x1dc y15ba w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15ba w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.196.334 </div></td><td class=\"c x306 y15ba w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">384.573 </div></td><td class=\"c x307 y15ba w148 h39\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.908 </div></td><td class=\"c x304 y15ba w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.135.815 </div></td></tr><tr><td class=\"c x1dc y15bb w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15bb w54 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">196.100 </div></td><td class=\"c x306 y15bb w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">309.886 </div></td><td class=\"c x307 y15bb w148 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.217 </div></td><td class=\"c x304 y15bb w103 h39\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.203 </div></td></tr><tr><td class=\"c x1dc y15bc w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15bc w54 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.659 </div></td><td class=\"c x306 y15bc w147 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.799 </div></td><td class=\"c x307 y15bc w148 h39\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.647 </div></td><td class=\"c x304 y15bc w103 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.105 </div></td></tr><tr><td class=\"c x1dc y15bd w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15bd w54 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">147.917 </div></td><td class=\"c x306 y15bd w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">531.195 </div></td><td class=\"c x307 y15bd w148 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.449 </div></td><td class=\"c x304 y15bd w103 h37\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">769.561 </div></td></tr><tr><td class=\"c x1dc y15be w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15be w54 h39\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x306 y15be w147 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x307 y15be w148 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x304 y15be w103 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15bf w3f8 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15bf w3f0 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15bf w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15c0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15c1 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15c1 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15c1 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15c2 w3f6 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15c3 w145 h6f\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15c4 w3f7 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15c5 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15c5 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.171.484 </div></td><td class=\"c x2ff y15c5 w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">462.960 </div></td><td class=\"c x300 y15c5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.406.878 </div></td><td class=\"c x2fc y15c5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.041.321 </div></td></tr><tr><td class=\"c x1dc y15c6 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15c6 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.076.226 </div></td><td class=\"c x2ff y15c6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">92.258 </div></td><td class=\"c x300 y15c6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.124.048 </div></td><td class=\"c x2fc y15c6 w145 h39\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.292.531 </div></td></tr><tr><td class=\"c x1dc y15c7 w146 h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15c7 w142 h3c\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.966.726 </div></td><td class=\"c x2ff y15c7 w143 h3c\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">375.727 </div></td><td class=\"c x300 y15c7 w144 h3c\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.461 </div></td><td class=\"c x2fc y15c7 w145 h3c\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.788.915 </div></td></tr><tr><td class=\"c x1dc y15c8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15c8 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.216 </div></td><td class=\"c x2ff y15c8 w143 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.198 </div></td><td class=\"c x300 y15c8 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.635 </div></td><td class=\"c x2fc y15c8 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">351.050 </div></td></tr><tr><td class=\"c x1dc y15c9 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15c9 w142 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.550 </div></td><td class=\"c x2ff y15c9 w143 h37\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.266 </div></td><td class=\"c x300 y15c9 w144 h37\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.857 </div></td><td class=\"c x2fc y15c9 w145 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.673 </div></td></tr><tr><td class=\"c x1dc y15ca w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15ca w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.444 </div></td><td class=\"c x2ff y15ca w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.588 </div></td><td class=\"c x300 y15ca w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.290 </div></td><td class=\"c x2fc y15ca w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">748.323 </div></td></tr><tr><td class=\"c x1dc y15cb w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15cb w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15cb w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15cb w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15cb w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Verteilung nach Branchen<span class=\"_ _0\"></span> In den folgenden Tab<span class=\"_ _0\"></span>ellen ist das Kreditrisikovolumen per 31.12.2022 und<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>31.12.2021 nach Branchen dar<span class=\"_ _0\"></span>gestellt. Die Eintei-<span class=\"_ _128\"> </span>lung erfolgt erstmals nach OENACE<span class=\"_ _0\"></span>. Die Darstellung aus d<span class=\"_ _0\"></span>em Vorjahr wurde dementsprechend angepasst.<span class=\"_ _0\"></span> <table class=\"s w3fb h1f0\" id=\"_383de3a7-f38a-4ae6-9a50-0ef1da12a962\"><tr><td class=\"c x308 y15cc w3fc h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x309 y15cc w3f0 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x30a y15cc w3f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche</div></td><td class=\"c x30b y15cd w3fd h1f1\" colspan=\"2\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Deriva-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x308 y15ce w3f3 h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x30c y15ce w3f4 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x30d y15ce w3f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x30e y15cf w3fe h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">ten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x30f y15d0 w152 h6f\"><div class=\"t m0 x37 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x30e y15d1 w3ff h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y15d2 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x310 y15d2 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">172.252 </div></td><td></td><td class=\"c x311 y15d2 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.830 </div></td><td class=\"c x30f y15d2 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">198.083 </div></td></tr><tr><td class=\"c x1a7 y15d3 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x310 y15d3 w14f h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.475 </div></td><td></td><td class=\"c x311 y15d3 w151 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">73.290 </div></td><td class=\"c x30f y15d3 w152 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.765 </div></td></tr><tr><td class=\"c x1a7 y15d4 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x310 y15d4 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.817.072 </div></td><td class=\"c x312 y15d4 w150 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.640 </div></td><td class=\"c x311 y15d4 w151 h37\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.331 </div></td><td class=\"c x30f y15d4 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.411.043 </div></td></tr><tr><td class=\"c x1a7 y15d5 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x310 y15d5 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">156.036 </div></td><td class=\"c x312 y15d5 w150 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.200 </div></td><td class=\"c x311 y15d5 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.447 </div></td><td class=\"c x30f y15d5 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.684 </div></td></tr><tr><td class=\"c x1a7 y15d6 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">fallentsorgung </div></td><td class=\"c x310 y15d6 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.572 </div></td><td></td><td class=\"c x311 y15d6 w151 h3b\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.484 </div></td><td class=\"c x30f y15d6 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.056 </div></td></tr><tr><td class=\"c x1a7 y15d7 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x310 y15d7 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.121.644 </div></td><td></td><td class=\"c x311 y15d7 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">665.178 </div></td><td class=\"c x30f y15d7 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.786.822 </div></td></tr><tr><td class=\"c x1a7 y15d8 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x310 y15d8 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.534.242 </div></td><td></td><td class=\"c x311 y15d8 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">933.002 </div></td><td class=\"c x30f y15d8 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.467.244 </div></td></tr><tr><td class=\"c x1a7 y15d9 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x310 y15d9 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.809 </div></td><td class=\"c x312 y15d9 w150 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.929 </div></td><td class=\"c x311 y15d9 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">124.567 </div></td><td class=\"c x30f y15d9 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.018.305 </div></td></tr><tr><td class=\"c x1a7 y15da w14e ha0\"><div class=\"t m0 x90 h5 y969 ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astrono-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls1f ws0\">mie<span class=\"ls0\"> </span></div></td><td class=\"c x310 y15da w14f ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.945 </div></td><td class=\"c x312 y15da w150 ha0\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15da w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.936 </div></td><td class=\"c x30f y15da w152 ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">417.181 </div></td></tr><tr><td class=\"c x1a7 y15db w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>ni-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">kation </div></td><td class=\"c x310 y15db w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.610 </div></td><td></td><td class=\"c x311 y15db w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.954 </div></td><td class=\"c x30f y15db w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">211.564 </div></td></tr><tr><td class=\"c x1a7 y15dc w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15dc w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.373.701 </div></td><td class=\"c x312 y15dc w150 h3b\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">667.918 </div></td><td class=\"c x311 y15dc w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.736 </div></td><td class=\"c x30f y15dc w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.361.356 </div></td></tr><tr><td class=\"c x1a7 y15dd w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Woh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nungswesen </div></td><td class=\"c x310 y15dd w14f h3a\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.186.704 </div></td><td></td><td class=\"c x311 y15dd w151 h3a\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">595.697 </div></td><td class=\"c x30f y15dd w152 h3a\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.782.400 </div></td></tr><tr><td class=\"c x308 y15de w400 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y15df w401 h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Dienstleistungen<span class=\"_ _128\"> </span></div></td><td class=\"c x310 y15e0 w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.399.725 </div></td><td class=\"c x312 y15e0 w150 h3b\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.192 </div></td><td class=\"c x311 y15e0 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">503.426 </div></td><td class=\"c x30f y15e0 w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.906.343 </div></td></tr><tr><td class=\"c x1a7 y15e1 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. Dienst<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15e1 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">697.356 </div></td><td class=\"c x312 y15e1 w150 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x311 y15e1 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.683 </div></td><td class=\"c x30f y15e1 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.040 </div></td></tr><tr><td class=\"c x1a7 y15e2 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x310 y15e2 w14f h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.893 </div></td><td class=\"c x312 y15e2 w150 h37\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.356.847 </div></td><td class=\"c x311 y15e2 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">311.689 </div></td><td class=\"c x30f y15e2 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.911.430 </div></td></tr><tr><td class=\"c x1a7 y15e3 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x310 y15e3 w14f h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.321 </div></td><td></td><td class=\"c x311 y15e3 w151 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.411 </div></td><td class=\"c x30f y15e3 w152 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.732 </div></td></tr><tr><td class=\"c x1a7 y15e4 w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls2e ws0\">Q <span class=\"ls0\">Gesundh<span class=\"_ _0\"></span>eits- und Sozialwe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x310 y15e4 w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.477 </div></td><td></td><td class=\"c x311 y15e4 w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.802 </div></td><td class=\"c x30f y15e4 w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.279 </div></td></tr><tr><td class=\"c x1a7 y15e5 w14e ha0\"><div class=\"t m0 x90 h5 y333 ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">holung </div></td><td class=\"c x310 y15e5 w14f ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.236 </div></td><td></td><td class=\"c x311 y15e5 w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.728 </div></td><td class=\"c x30f y15e5 w152 ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.964 </div></td></tr><tr><td class=\"c x1a7 y15e6 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x310 y15e6 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.917 </div></td><td></td><td class=\"c x311 y15e6 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.855 </div></td><td class=\"c x30f y15e6 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">212.772 </div></td></tr><tr><td class=\"c x1a7 y15e7 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x310 y15e7 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.897.858 </div></td><td></td><td class=\"c x311 y15e7 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">518.764 </div></td><td class=\"c x30f y15e7 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.416.622 </div></td></tr><tr><td class=\"c x1a7 y15e8 w14e h3b\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>io-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nen </div></td><td></td><td></td><td class=\"c x311 y15e8 w151 h3b\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x30f y15e8 w152 h3b\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x1a7 y15e9 w14e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x310 y15e9 w14f h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x312 y15e9 w150 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15e9 w151 h39\"><div class=\"t m0 x4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x30f y15e9 w152 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y15ea w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x313 y15ea w402 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und<span class=\"_ _128\"> </span></div></td><td class=\"c x314 y15ea w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x315 y15eb w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c8 y15ec w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x316 y15ec w403 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x317 y15ec w404 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere</div></td><td class=\"c x318 y15ed w405 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x319 y15ee w14d h6f\"><div class=\"t m0 x2b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x31a y15ef w3ff h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y15f0 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x31b y15f0 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">151.999 </div></td><td></td><td class=\"c x31c y15f0 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.464 </div></td><td class=\"c x319 y15f0 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.463 </div></td></tr><tr><td class=\"c x2c6 y15f1 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x31b y15f1 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.137 </div></td><td></td><td class=\"c x31c y15f1 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.366 </div></td><td class=\"c x319 y15f1 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.503 </div></td></tr><tr><td class=\"c x2c6 y15f2 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x31b y15f2 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.569.131 </div></td><td></td><td class=\"c x31c y15f2 w14c h37\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.632.827 </div></td><td class=\"c x319 y15f2 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.201.957 </div></td></tr><tr><td class=\"c x2c6 y15f3 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x31b y15f3 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.932 </div></td><td class=\"c x2b5 y15f3 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.650 </div></td><td class=\"c x31c y15f3 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.917 </div></td><td class=\"c x319 y15f3 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.498 </div></td></tr><tr><td class=\"c x2c6 y15f4 w14a hbc\"><div class=\"t m0 x90 h5 y95a ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallentsor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gung </div></td><td class=\"c x31b y15f4 wee hbc\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.017 </div></td><td></td><td class=\"c x31c y15f4 w14c hbc\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.216 </div></td><td class=\"c x319 y15f4 w14d hbc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.233 </div></td></tr><tr><td class=\"c x2c6 y15f5 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x31b y15f5 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.054.901 </div></td><td></td><td class=\"c x31c y15f5 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">621.097 </div></td><td class=\"c x319 y15f5 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.675.998 </div></td></tr><tr><td class=\"c x2c6 y15f6 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x31b y15f6 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.341.088 </div></td><td></td><td class=\"c x31c y15f6 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">982.685 </div></td><td class=\"c x319 y15f6 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.323.772 </div></td></tr><tr><td class=\"c x2c6 y15f7 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x31b y15f7 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.848 </div></td><td class=\"c x2b5 y15f7 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.993 </div></td><td class=\"c x31c y15f7 w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.259 </div></td><td class=\"c x319 y15f7 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">958.100 </div></td></tr><tr><td class=\"c x2c6 y15f8 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x31b y15f8 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.413 </div></td><td class=\"c x2b5 y15f8 w14b h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x31c y15f8 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.986 </div></td><td class=\"c x319 y15f8 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">495.698 </div></td></tr><tr><td class=\"c x2c6 y15f9 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x31b y15f9 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.060 </div></td><td></td><td class=\"c x31c y15f9 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.880 </div></td><td class=\"c x319 y15f9 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.940 </div></td></tr><tr><td class=\"c x2c6 y15fa w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- <span class=\"ls6\">und </span>Versicherungsleistungen </div></td><td class=\"c x31b y15fa wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.131.770 </div></td><td class=\"c x2b5 y15fa w14b h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">500.842 </div></td><td class=\"c x31c y15fa w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">315.493 </div></td><td class=\"c x319 y15fa w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.948.105 </div></td></tr><tr><td class=\"c x2c6 y15fb w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswesen </div></td><td class=\"c x31b y15fb wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.903.369 </div></td><td class=\"c x2b5 y15fb w14b h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.479 </div></td><td class=\"c x31c y15fb w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">613.816 </div></td><td class=\"c x319 y15fb w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.526.664 </div></td></tr><tr><td class=\"c x2c6 y15fc w14a h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x31b y15fc wee h3a\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.426.424 </div></td><td class=\"c x2b5 y15fc w14b h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.302 </div></td><td class=\"c x31c y15fc w14c h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">602.465 </div></td><td class=\"c x319 y15fc w14d h3a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.192 </div></td></tr></table><table class=\"s w406 h1f2\" id=\"_0f142a87-cddd-473b-a332-758787ecea99\"><tr><td class=\"c x1dc y15fd w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. <span class=\"_ _0\"></span>Dienstleistungen </div></td><td class=\"c x31d y15fd wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">561.388 </div></td><td class=\"c x31e y15fd w14b h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x31f y15fd w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.942 </div></td><td class=\"c x320 y15fd w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">710.330 </div></td></tr><tr><td class=\"c x1dc y15fe w14a h38\"><div class=\"t m0 x90 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x31d y15fe wee h38\"><div class=\"t m0 x47 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">456.888 </div></td><td class=\"c x31e y15fe w14b h38\"><div class=\"t m0 xf8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.099.431 </div></td><td class=\"c x31f y15fe w14c h38\"><div class=\"t m0 x3a h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">67.821 </div></td><td class=\"c x320 y15fe w14d h38\"><div class=\"t m0 x11 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.624.140 </div></td></tr><tr><td class=\"c x1dc y15ff w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x31d y15ff wee h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.260 </div></td><td></td><td class=\"c x31f y15ff w14c h37\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.569 </div></td><td class=\"c x320 y15ff w14d h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.829 </div></td></tr><tr><td class=\"c x1dc y1600 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x31d y1600 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">152.682 </div></td><td></td><td class=\"c x31f y1600 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.755 </div></td><td class=\"c x320 y1600 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.437 </div></td></tr><tr><td class=\"c x1dc y1601 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erholung </div></td><td class=\"c x31d y1601 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.604 </div></td><td></td><td class=\"c x31f y1601 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.204 </div></td><td class=\"c x320 y1601 w14d h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.808 </div></td></tr><tr><td class=\"c x1dc y1602 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x31d y1602 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.641 </div></td><td></td><td class=\"c x31f y1602 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.387 </div></td><td class=\"c x320 y1602 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">189.028 </div></td></tr><tr><td class=\"c x1dc y1603 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x31d y1603 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.882.569 </div></td><td></td><td class=\"c x31f y1603 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">593.017 </div></td><td class=\"c x320 y1603 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.475.585 </div></td></tr><tr><td class=\"c x1dc y1604 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x31d y1604 wee h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">525<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x31f y1604 w14c h37\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x320 y1604 w14d h37\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">527<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1605 w14a h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x31d y1605 wee h39\"><div class=\"t m0 xa6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x31e y1605 w14b h39\"><div class=\"t m0 xf8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x31f y1605 w14c h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x320 y1605 w14d h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Sicherheiten<span class=\"_ _128\"> </span>Strategien und Prozesse bzgl. Bewertung und Managemen<span class=\"_ _0\"></span>t von Sicherheiten<span class=\"_ _0\"></span> Die Hereinnahme von Kredit<span class=\"_ _0\"></span>sicherheiten sowie deren Management werden als bedeut<span class=\"_ _0\"></span>ender Bestandteil des <span class=\"_ _0\"></span> Kreditrisikomanagements in<span class=\"_ _0\"></span> der Oberbank AG angesehen. Die Gestion de<span class=\"_ _0\"></span>s Kr<span class=\"_ _0\"></span>editgesch\u00e4ftes \u00fcber die Unterdeckung st<span class=\"_ _0\"></span>ellt<span class=\"_ _128\"> </span>hohe Anforderungen an<span class=\"_ _0\"></span> die aktuelle und richtige Bewertung von Sicherheiten. <span class=\"_ _1\"></span> Daher ist die Sicherheitenverwaltung im ge-<span class=\"_ _128\"> </span>samten Oberbank Konzern<span class=\"_ _0\"></span> organisatorisch vom Vertrieb getrennt und erfolgt f\u00fcr \u00d6st<span class=\"_ _0\"></span>erreich <span class=\"_ _0\"></span>und Deutschland ausschlie\u00dflich<span class=\"_ _128\"> </span>in der eigenen Tochtergesellschaft, d<span class=\"_ _0\"></span>er Oberbank Service GmbH. F\u00fcr Tschechien, d<span class=\"_ _0\"></span>ie Slowakei und Ungarn erfolgt d<span class=\"_ _0\"></span>ie Sicher-<span class=\"_ _128\"> </span>heitenverwaltung in den zent<span class=\"_ _0\"></span>ralen Marktfolgeeinheiten in Budweis und Budapest. Die geltenden Verwalt<span class=\"_ _0\"></span>ungs<span class=\"_ _0\"></span>grunds\u00e4<span class=\"_ _0\"></span>tze<span class=\"_ _128\"> </span>gew\u00e4hrleisten eine rechtlich einwandfr<span class=\"_ _0\"></span>eie Begr\u00fcndung der Kreditsicherheiten so<span class=\"_ _0\"></span>wie alle erforderlichen Voraussetzun<span class=\"_ _0\"></span>gen zur<span class=\"_ _128\"> </span>raschen Durchsetzung d<span class=\"_ _0\"></span>er Anspr\u00fcche bei Bedarf.<span class=\"_ _128\"> </span>In der zentralen Fachabt<span class=\"_ _0\"></span>eilung f\u00fcr rechtliche Fragen <span class=\"_ _0\"></span>Kredit-Management / <span class=\"_ _0\"></span>Finanzierungsrecht liegt die Verantwortun<span class=\"_ _0\"></span>g f\u00fcr<span class=\"_ _128\"> </span>die Erstellung von stan<span class=\"_ _0\"></span>dardisierten Sicherheitenvertr\u00e4gen und <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span>dokumenten, die generell Anwend<span class=\"_ _0\"></span>ung finden. Die Verwal-<span class=\"_ _128\"> </span>tung der Kreditsicherh<span class=\"_ _0\"></span>eiten umfasst sowohl einen materiellen als auch einen for<span class=\"_ _0\"></span>mellen Aspekt, wobei die erforderlichen<span class=\"_ _128\"> </span>T\u00e4tigkeiten entsprechend d<span class=\"_ _0\"></span>en einzelnen Sicherheitenkategor<span class=\"_ _0\"></span>ien genau definiert sind.<span class=\"_ _128\"> </span>Bei den hypothekarisch b<span class=\"_ _0\"></span>esicherten Krediten wird dem Regionalit\u00e4tsprinzip ent<span class=\"_ _0\"></span>sprechend auf Sicherheiten in den f\u00fcnf L\u00e4n<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>dern unserer Filialen abgestellt. Bei Sachsicherheiten gilt gener<span class=\"_ _0\"></span>ell, dass die Finan<span class=\"_ _0\"></span>zierungsdauer m<span class=\"_ _0\"></span>it der wirtschaftlichen Nut-<span class=\"_ _128\"> </span>zungsdauer im Einklang st<span class=\"_ _0\"></span>ehen muss. Die materielle Werthaltigkeit der Sicherheit und d<span class=\"_ _0\"></span>ie M\u00f6glichkeit der raschen Verwert-<span class=\"_ _128\"> </span>barkeit stellen wichtige Pr\u00fcfpunkt<span class=\"_ _0\"></span>e dar. Bei pers\u00f6nlichen Sicherheiten d\u00fcrfen keine w<span class=\"_ _0\"></span>esentlichen Risikokorrel<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>ionen zwi-<span class=\"_ _128\"> </span>schen SicherheitengeberInnen und<span class=\"_ _0\"></span> KreditnehmerInnen bestehen. Bei Leasingfinanzierungen muss ein allf\u00e4llig vereinbart<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Restwert niedriger oder maximal gleich hoch sein w<span class=\"_ _0\"></span>ie der bei Ablauf d<span class=\"_ _0\"></span>er Finanzierung erwartete Marktwert.<span class=\"_ _0\"></span> F\u00fcr jede Sicherheitenart<span class=\"_ _0\"></span> gibt es eine in Bezug auf Objektivit\u00e4t<span class=\"_ _0\"></span> und Aktualit\u00e4t verbindlich vorgeschriebene Er<span class=\"_ _0\"></span>mittlung des no-<span class=\"_ _128\"> </span>minellen Wertes, der als Berechn<span class=\"_ _0\"></span>ungsbasis f\u00fcr die zur internen Risikosteuerung festgelegten Deckungsw<span class=\"_ _0\"></span>ertans\u00e4tze und f\u00fcr<span class=\"_ _128\"> </span>die Kreditrisikominderungsan<span class=\"_ _0\"></span>s\u00e4tze im Rahmen von<span class=\"_ _0\"></span> Basel III dient. Die internen Deckungswertans\u00e4tze sind<span class=\"_ _0\"></span> Maximal-Werte,<span class=\"_ _128\"> </span>die zur Ermittlung der Unterd<span class=\"_ _0\"></span>eckung f\u00fchren. In begr\u00fcndeten E<span class=\"_ _0\"></span>inzelf\u00e4llen kann die Bewertung einer Sicherheit von d<span class=\"_ _0\"></span>en jewei-<span class=\"_ _128\"> </span>ligen Kompetenztr\u00e4gerInnen<span class=\"_ _0\"></span> nach unten korrigiert<span class=\"_ _0\"></span> werden. Eine h\u00f6here Bewertung ist ebenfalls nur<span class=\"_ _0\"></span> in begr\u00fcndeten Ausnah-<span class=\"_ _128\"> </span>mef\u00e4llen durch die Markt<span class=\"_ _0\"></span>folge m\u00f6glich.<span class=\"_ _128\"> </span>Die aktuellen Bewertun<span class=\"_ _0\"></span>gsgrunds\u00e4tze resultieren aus den Sch\u00e4tzungen der Forderun<span class=\"_ _0\"></span>gsbetreibung auf Basis der bisherigen<span class=\"_ _128\"> </span>Verwertungserfahrungen. D<span class=\"_ _0\"></span>ie Bewertungsans\u00e4tze werd<span class=\"_ _0\"></span>en j\u00e4hrlich im Rahmen der LGD Validierung gepr\u00fcft und gegebenen-<span class=\"_ _128\"> </span>falls angepasst. Der im Bewertungsansat<span class=\"_ _0\"></span>z inkludierte Abschlag ber\u00fccksichtigt d<span class=\"_ _0\"></span>as Bewertungs<span class=\"_ _0\"></span>- und V<span class=\"_ _0\"></span>erwertungsrisiko, die<span class=\"_ _128\"> </span>Kosten der Verwertung sowie den d<span class=\"_ _0\"></span>urch die Verwertungs<span class=\"_ _0\"></span>dauer der jeweiligen Sicherheit entst<span class=\"_ _0\"></span>ehenden Zinseffekt.<span class=\"_ _0\"></span> Die Aktualit\u00e4t der Sicherheitenwerte w<span class=\"_ _0\"></span>ird bei finanziellen Sicherheiten \u00fcber die laufende Einspielung d<span class=\"_ _0\"></span>er Marktwerte sicher-<span class=\"_ _128\"> </span>gestellt, bei hypothekarischen Sicherheiten erfolgt d<span class=\"_ _0\"></span>ie Expertensch\u00e4tzung ge<span class=\"_ _0\"></span>m\u00e4\u00df d<span class=\"_ _0\"></span>en Mindesterfordernissen, die im umfas-<span class=\"_ _128\"> </span>senden Sicherheitenbewertun<span class=\"_ _0\"></span>gsansatz in der CRR definiert sind.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Generell werden bei intern verwendeten<span class=\"_ _0\"></span> Sicherheiten die gleichen strikten Qualit\u00e4tsanforderungen in<span class=\"_ _0\"></span> Bezug auf Aktualit\u00e4t<span class=\"_ _128\"> </span>und Durchsetzbarkeit angewan<span class=\"_ _0\"></span>dt wie bei Sicherheiten, d<span class=\"_ _0\"></span>ie unter der CRR II bei der Ermittlung des Eigenmittelerfordern<span class=\"_ _0\"></span>isse<span class=\"_ _128\"> </span>s<span class=\"_ _128\"> </span>f\u00fcr das Kreditgesch\u00e4ft zur Anr<span class=\"_ _0\"></span>echnung kommen.<span class=\"_ _128\"> </span>Die \u00dcbernahme von Pfandliegensch<span class=\"_ _0\"></span>aften nimmt generell eine unt<span class=\"_ _0\"></span>ergeordnete Rolle ein. In den ausgewiesenen finanziel<span class=\"_ _1\"></span>len<span class=\"_ _128\"> </span>Verm\u00f6genswerten per 31.12.2022 befinden s<span class=\"_ _0\"></span>ich (wie auch im Vorjahr) keine \u00fcbernommenen Pfan<span class=\"_ _0\"></span>dliegenschaften. Diese<span class=\"_ _128\"> </span>werden von der Ob<span class=\"_ _0\"></span>erbank AG nur dann erworben, wenn Verkaufshemmnisse die sofo<span class=\"_ _0\"></span>rtige Verwertung einer Liegenschaft<span class=\"_ _128\"> </span>mit einem angemessenen Verw<span class=\"_ _0\"></span>ertungserl\u00f6s unm\u00f6glich machen (z. <span class=\"_ _0\"></span>B. im Rahmen einer Versteigerung bzw. im Freihandver-<span class=\"_ _128\"> </span>kauf). Es ist immer das<span class=\"_ _0\"></span> erkl\u00e4rte Ziel, die urspr\u00fcnglich bestehenden Verkaufsh<span class=\"_ _0\"></span>emmnisse zu beseitigen, um anschlie\u00dfend das<span class=\"_ _128\"> </span>Objekt schnellstm\u00f6glich und<span class=\"_ _0\"></span> ordnungsgem\u00e4\u00df weiterzu<span class=\"_ _0\"></span>ver\u00e4u\u00dfern. Eine Verwendung f\u00fcr<span class=\"_ _0\"></span> den Gesch\u00e4ftsbetrieb erfolgt nicht.<span class=\"_ _128\"> </span>In der Berichtsperiode wurd<span class=\"_ _0\"></span>en keine Sic<span class=\"_ _5\"></span>herheiten verwert<span class=\"_ _0\"></span>et, die die Ansatzkriterien nach IFRS erf\u00fcllen.<span class=\"_ _1\"></span> Arten von Sicherheiten<span class=\"_ _128\"> </span>Die wesentlichen Sicherheiten sind Hyp<span class=\"_ _0\"></span>otheken auf Wohnimmob<span class=\"_ _0\"></span>ilien un<span class=\"_ _0\"></span>d kommerziell genutzte Immobilien, finanzielle Si-<span class=\"_ _128\"> </span>cherheiten (Bareinlagen, Schuldverschreibu<span class=\"_ _0\"></span>ngen und Aktien) sowie pers\u00f6nliche Sicherheiten (Haft<span class=\"_ _0\"></span>ungen, B\u00fcrgschaften, Ga-<span class=\"_ _128\"> </span>rantien). Die Sicherheiten (exklusive p<span class=\"_ _0\"></span>ers\u00f6nliche Sicherheiten) k\u00f6nn<span class=\"_ _0\"></span>en zu einem \u00fc<span class=\"_ _0\"></span>berwiegenden Anteil von 93,45 % (V<span class=\"_ _0\"></span>orjah<span class=\"_ _128\"> </span>r<span class=\"_ _128\"> </span>:<span class=\"_ _128\"> </span>92,56 %) der Forderun<span class=\"_ _0\"></span>gsart \u201eKredite und Forderungen\u201c zugerechnet w<span class=\"_ _0\"></span>erden, der Rest entf\u00e4llt zu 6,55 % (Vorjahr<span class=\"_ _0\"></span>: 7,44 %) a<span class=\"_ _128\"> </span>u<span class=\"_ _128\"> </span>f<span class=\"_ _128\"> </span>die \u201eKreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Die in den Tabellen ausgew<span class=\"_ _0\"></span>iesenen Werte stellen die im Rahmen d<span class=\"_ _0\"></span>er Quantifizierung der Kreditrisiken im ICAAP <span class=\"_ _0\"></span>verwende-<span class=\"_ _128\"> </span>ten besicherten Forderun<span class=\"_ _0\"></span>gswerte dar.<table class=\"s w407 h1f3\" id=\"_4ae083df-3062-4fd2-811e-20d6f82bb132\"><tr><td class=\"c x322 y1606 w154 h37\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x323 y1606 w155 h37\" colspan=\"2\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungswert<span class=\"_ _0\"></span> </div></td></tr><tr><td class=\"c x322 y1607 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheitenkategorie </div></td><td class=\"c x323 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y1608 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Sicherheiten </div></td><td class=\"c x323 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.397.867<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.218.253<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y1609 w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bareinlagen </div></td><td class=\"c x323 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.322.687 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.100.042 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160a w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x323 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">18.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">29.711 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160b w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsl. WP </div></td><td class=\"c x323 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">56.665 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">88.500 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160c w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Immobiliensicherheiten </div></td><td class=\"c x323 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">7.060.092<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.846.874<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160d w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wohnimmobilien </div></td><td class=\"c x323 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.654.233 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.508.448 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160e w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewerbeimmobilien </div></td><td class=\"c x323 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.405.859 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.338.426 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160f w154 h39\"><div class=\"t m0 x0 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> Sachsicherheiten </div></td><td class=\"c x323 y160f w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.102.516<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160f w156 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">863.869<span class=\"ls0\"> </span></div></td></tr></table>Die pers\u00f6nlichen Sicherheiten beschr\u00e4nken<span class=\"_ _0\"></span> sich auf Haftungen, B\u00fcrgschaften un<span class=\"_ _0\"></span>d Garantien. Die wichtigsten sechs Garanti<span class=\"_ _128\"> </span>e-<span class=\"_ _128\"> </span>geber, die 85,26% (Vorjahr: 83,51%) am gesamten Vo<span class=\"_ _0\"></span>lumen der <span class=\"_ _0\"></span>pers\u00f6nlichen Sicherheiten d<span class=\"_ _0\"></span>arstellen, sind nachstehend<span class=\"_ _0\"></span> au<span class=\"_ _128\"> </span>f-<span class=\"_ _128\"> </span>gelistet.<table class=\"s w408 h1f4\" id=\"_8d86e789-b7a3-4d75-b4f3-2cab2cbecf39\"><tr><td class=\"c x178 y1610 w409 h1f5\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x326 y1611 w15b haf\"><div class=\"t m0 x6c h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x327 y1610 w40a h1f5\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x328 y1611 w15d haf\"><div class=\"t m0 x37 h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y1612 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x329 y1612 w40b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y1613 w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y1613 w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.100.451 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y1613 w15f h26\"><div class=\"t m0 x37 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x32b y1614 w161 haa\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x32c y1614 wbf haa\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1614 w162 haa\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">626.164 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1614 w163 haa\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">56,9% </div></td></tr><tr><td class=\"c x32b y1615 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x32c y1615 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1615 w162 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">193.372 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1615 w163 h26\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">17,6% </div></td></tr><tr><td class=\"c x32b y1616 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x32c y1616 wbf h26\"><div class=\"t m0 x42 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"ls2c\">AA+</span> </div></td><td class=\"c x32d y1616 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">38.123 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1616 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,5% </div></td></tr><tr><td class=\"c x32b y1617 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Landeshaupt<span class=\"_ _0\"></span>stadt Graz </div></td><td></td><td class=\"c x32d y1617 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">30.000 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1617 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,7% </div></td></tr><tr><td class=\"c x32b y1618 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayer<span class=\"_ _0\"></span>n </div></td><td class=\"c x32c y1618 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1618 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">26.082 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1618 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,4% </div></td></tr><tr><td class=\"c x32b y1619 w161 h26\"><div class=\"t m0 x13 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat Tsch<span class=\"_ _0\"></span>echien </div></td><td class=\"c x32c y1619 wbf h26\"><div class=\"t m0 x11 h5 y9b6 ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32d y1619 w162 h26\"><div class=\"t m0 xd2 h5 y9b6 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">24.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1619 w163 h26\"><div class=\"t m0 xf8 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">2,2% </div></td></tr></table><div class=\"gs2f6\"><table class=\"s w40c h1f6\" id=\"_29ad48a1-d825-427b-ad98-e22610349fad\"><tr><td class=\"c x178 y161a w409 h1f7\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x2ff y161b w167 hc0\"><div class=\"t m0 x60 h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x32f y161a w40d h1f7\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter For-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f5 y161b w169 hc0\"><div class=\"t m0 x3f h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y161c w2f5 h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x330 y161c w40e h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">derungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y161d w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y161d w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.163.434 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y161d w15d h26\"><div class=\"t m0 x4d h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x331 y161e w16b h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x326 y161e w15b h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161e w15c h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">601.919 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161e w15d h26\"><div class=\"t m0 x10 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">51,7% </div></td></tr><tr><td class=\"c x331 y161f w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x326 y161f w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161f w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">161.708 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161f w15d hc1\"><div class=\"t m0 x10 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">13,9% </div></td></tr><tr><td class=\"c x331 y1620 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. COVID-19 Finanzierungsagent<span class=\"_ _0\"></span>ur </div></td><td></td><td class=\"c x32a y1620 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">82.950 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1620 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">7,1% </div></td></tr><tr><td class=\"c x331 y1621 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat T<span class=\"_ _0\"></span>schechien </div></td><td class=\"c x326 y1621 w15b hc1\"><div class=\"t m0 x42 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32a y1621 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">43.683 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1621 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,8% </div></td></tr><tr><td class=\"c x331 y1622 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayern<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1622 w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1622 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">41.323 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1622 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,6% </div></td></tr><tr><td class=\"c x331 y1623 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1623 w15b hc1\"><div class=\"t m0 xf8 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1623 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">40.056 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1623 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,4% </div></td></tr></table></div><div class=\"gs2f7\"><table class=\"s w40f h1f8\" id=\"_3f5afdcf-a63a-46ef-94e5-f512c1b3148d\"><tr><td class=\"c x199 y1624 w3 h3\"><div class=\"t m0 x3 h6 y868 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen und Non-perfo<span class=\"_ _0\"></span>rming loans </div><div class=\"t m0 x3 h5 y9c4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9c5 ff5 fs2 fc2 sc0 ls0 ws0\">Bildung von Risikovorsorgen (Wertberichtigungen und R\u00fccks<span class=\"_ _0\"></span>tellungen)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y942 ff4 fs2 fc2 sc0 ls0 ws0\">Die Details zur Bildung von<span class=\"_ _0\"></span> Risikovorsorgen gem\u00e4\u00df IFRS 9 5.5 und zur Ein<span class=\"_ _0\"></span>ordnung in die ECL<span class=\"_ _0\"></span>-Stufen k\u00f6n<span class=\"_ _0\"></span>nen der Note 2.7) </div><div class=\"t m0 x3 h5 y9c6 ff4 fs2 fc2 sc0 ls0 ws0\">entnommen werden.  </div><div class=\"t m0 x3 h5 y9c7 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9c8 ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorgen </div><div class=\"t m0 x3 h5 y9c9 ff4 fs2 fc2 sc0 ls0 ws0\">Das Risikoergebnis aus dem Kr<span class=\"_ _0\"></span>editgesch\u00e4ft ist gegen\u00fcber d<span class=\"_ _0\"></span>em Jahr 2021 um 5,8 Mio. Euro auf 41,5 Mio Euro<span class=\"_ _0\"></span> angestiegen<span class=\"_ _0\"></span>. </div><div class=\"t m0 x3 h5 y9ca ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9cb ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung des Ergebnisses aus den Risikovorsorgen im Kre<span class=\"_ _0\"></span>ditgesch\u00e4ft (GuV<span class=\"_ _0\"></span>-Darste<span class=\"_ _0\"></span>llung) </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y1625 w16c h39\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x332 y1625 w106 h39\"><div class=\"t m0 xd h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x333 y1625 wc1 h39\"><div class=\"t m0 x38 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1626 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1626 w106 h39\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.079 </div></td><td></td><td class=\"c x333 y1626 wc1 h39\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">101.325 </div></td></tr><tr><td class=\"c x2c6 y1627 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sung von Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1627 w106 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-71.190 </div></td><td></td><td class=\"c x333 y1627 wc1 h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-66.241 </div></td></tr><tr><td class=\"c x2c6 y1628 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Direktabschreibungen von Forderungen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1628 w106 h39\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.325 </div></td><td></td><td class=\"c x333 y1628 wc1 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.437 </div></td></tr><tr><td class=\"c x2c6 y1629 w16c h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen </div></td><td></td><td></td><td></td><td class=\"c x332 y1629 w106 h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.202 </div></td><td></td><td class=\"c x333 y1629 wc1 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.422 </div></td></tr><tr><td class=\"c x2c6 y162a w16c h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanter Modifikation </div></td><td></td><td></td><td></td><td class=\"c x332 y162a w106 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">41</span> </div></td><td></td><td class=\"c x333 y162a wc1 h37\"><div class=\"t m0 xb1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">70</span> </div></td></tr><tr><td class=\"c x2c6 y162b w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Impairment Gain aus POCI<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y162b w106 h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.489 </div></td><td></td><td class=\"c x333 y162b wc1 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.684 </div></td></tr><tr><td class=\"c x2c6 y162c w16c h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td><td></td><td></td><td class=\"c x332 y162c w106 h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.482<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x333 y162c wc1 h39\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">3<span class=\"ls2\">5.713</span> </div></td></tr><tr><td class=\"c x199 y1624 w3 h3\"><div class=\"t m0 x3 h6 y9cf ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y744 ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorgen (Bilanzdarstellung)<span class=\"_ _0\"></span> </div></td><td class=\"c x334 y162d w410 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x335 y162d w411 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2f ws0\">Ver<span class=\"ls0\">-<span class=\"_ _128\"> </span></span></div></td><td class=\"c x336 y162d w412 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige Ef-<span class=\"_ _128\"> </span></div></td><td class=\"c x337 y162d w413 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y162e w16d h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x338 y162f w414 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">1.1.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x339 y162e waa h3b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen </div></td><td class=\"c x33a y162e wf h3b\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x33b y162f w415 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">brauch<span class=\"_ _128\"> </span></div></td><td class=\"c x33d y162f w416 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">fekte<span class=\"_ _128\"> </span></div><div class=\"t m0 x33c hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">2)<span class=\"_ _128\"> </span></div></td><td class=\"c x33e y162f w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1631 w16d hf\"><div class=\"t m0 x90 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">zu Barreserve Stage 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1631 waf hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">640<span class=\"ls0\"> </span></div></td><td class=\"c x339 y1631 waa hf\"><div class=\"t m0 x31 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1631 wf hf\"><div class=\"t m0 xf h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">279</span> </div></td><td class=\"c x340 y1631 w16e hf\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1631 w16f hf\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1631 w170 hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">361<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1632 w16d h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stitute Stufe 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1632 waf h3b\"><div class=\"t m0 x4d h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">109<span class=\"ls0\"> </span></div></td><td class=\"c x339 y1632 waa h3b\"><div class=\"t m0 x3 h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">58<span class=\"ls0\"> </span></div></td><td class=\"c x33a y1632 wf h3b\"><div class=\"t m0 x31 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1632 w16e h3b\"><div class=\"t m0 x72 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1632 w16f h3b\"><div class=\"t m0 xf9 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1632 w170 h3b\"><div class=\"t m0 x4d h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">167<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1633 w16d h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stitute Stufe 3<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1633 waf h3a\"><div class=\"t m0 x10 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1633 waa h3a\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1633 wf h3a\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1633 w16e h3a\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1633 w16f h3a\"><div class=\"t m0 xf9 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1633 w170 h3a\"><div class=\"t m0 x10 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1634 w417 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kund<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1635 waf h3b\"><div class=\"t m0 x2b h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">57.638<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1635 waa h3b\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">10.166<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1635 wf h3b\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1635 w16e h3b\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1635 w16f h3b\"><div class=\"t m0 xd h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-7<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1635 w170 h3b\"><div class=\"t m0 x2b h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">67.797<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1636 w418 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 1 + 2<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y1637 w419 h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an <span class=\"_ _0\"></span>Kunden<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1638 waf h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">156.214<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1638 waa h3a\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">77.061<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1638 wf h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-42.089 </div></td><td class=\"c x340 y1638 w16e h3a\"><div class=\"t m0 x70 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1638 w16f h3a\"><div class=\"t m0 x15 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-5.491 </div></td><td class=\"c x342 y1638 w170 h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">170.766<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1639 w41a h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 3<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y163a w16d hf\"><div class=\"t m0 x90 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">zu Finanzanlagen Stu<span class=\"_ _0\"></span>fe 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y163a waf hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">902<span class=\"ls0\"> </span></div></td><td class=\"c x339 y163a waa hf\"><div class=\"t m0 x3 h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">54<span class=\"ls0\"> </span></div></td><td class=\"c x33a y163a wf hf\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">81</span> </div></td><td class=\"c x340 y163a w16e hf\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163a w16f hf\"><div class=\"t m0 xd h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-5<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163a w170 hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">870<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y163b w16d hc3\"><div class=\"t m0 x90 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">zu Sachanlagen Stage 1 +2<span class=\"_ _0\"></span> </div></td><td class=\"c x33f y163b waf hc3\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">207<span class=\"ls0\"> </span></div></td><td class=\"c x339 y163b waa hc3\"><div class=\"t m0 x31 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y163b wf hc3\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">34</span> </div></td><td class=\"c x340 y163b w16e hc3\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163b w16f hc3\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163b w170 hc3\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">173<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y163c w41b h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y163d waf ha0\"><div class=\"t m0 x4f h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">215.710<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y163d waa ha0\"><div class=\"t m0 x11 h27 y9d4 ff5 fs1 fc2 sc0 ls11 ws0\">87.339<span class=\"ls0\"> </span></div></td><td class=\"c x33a y163d wf ha0\"><div class=\"t m0 xf8 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-42.483 </div></td><td class=\"c x340 y163d w16e ha0\"><div class=\"t m0 x70 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163d w16f ha0\"><div class=\"t m0 x15 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-5.503 </div></td><td class=\"c x342 y163d w170 ha0\"><div class=\"t m0 x4f h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">240.134<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y163e w41c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span></div><div class=\"t m0 x343 hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y163f w16d h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">zu au\u00dferb<span class=\"_ _0\"></span>ilanziellen Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ften Stufe 1 + 2<span class=\"ff5\"> </span></div></td><td class=\"c x33f y163f waf h3b\"><div class=\"t m0 x60 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.286<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y163f waa h3b\"><div class=\"t m0 x2e h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.041<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y163f wf h3b\"><div class=\"t m0 x2c h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">-2.799<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y163f w16e h3b\"><div class=\"t m0 x72 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163f w16f h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163f w170 h3b\"><div class=\"t m0 x60 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">19.528<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1640 w16d h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">zu au\u00dferbilanziellen Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ften Stufe 3<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1640 waf h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">113.964<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1640 waa h3a\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">28.699<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1640 wf h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-25.908<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1640 w16e h3a\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1640 w16f h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">1.214 </div></td><td class=\"c x342 y1640 w170 h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">117.969<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1641 w41d h1fb\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtsumme<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1642 waf h3b\"><div class=\"t m0 x4f h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">350.960<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1642 waa h3b\"><div class=\"t m0 x15 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">117.079<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1642 wf h3b\"><div class=\"t m0 xf8 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-71.190 </div></td><td class=\"c x340 y1642 w16e h3b\"><div class=\"t m0 x70 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1642 w16f h3b\"><div class=\"t m0 x15 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-4.289 </div></td><td class=\"c x342 y1642 w170 h3b\"><div class=\"t m0 x4f h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">377.631<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1643 w41b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1644 w41e h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Die Risik<span class=\"_ _5\"></span>ovorsorgen zu au\u00df<span class=\"_ _5\"></span>erbilanziell<span class=\"_ _5\"></span>en Gesch\u00e4fte<span class=\"_ _5\"></span>n werden in der Po<span class=\"_ _5\"></span>sition R\u00fcc<span class=\"_ _5\"></span>kstellungen (<span class=\"_ _5\"></span>Bilanz Passiva 4) aus<span class=\"_ _5\"></span>gewiesen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1647 w41f h1fc\"><div class=\"t m0 x177 h16 y1645 ff4 fs6 fc2 sc0 ls8 ws0\">2)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y1646 ff4 fs4 fc2 sc0 ls0 ws0\">Hiev. aus Konso<span class=\"_ _5\"></span>lidier<span class=\"_ _5\"></span>ung 1.257 Tsd. EUR, aus R<span class=\"_ _5\"></span>isiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr<span class=\"_ _5\"></span> zum Fair Value \u00fcbe<span class=\"_ _5\"></span>r OCI bewer<span class=\"_ _5\"></span>tete WP - 12 Tsd. EUR, aus U<span class=\"_ _5\"></span>mbuchungen PO<span class=\"_ _5\"></span>CI -<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">5.889<span class=\"_ _128\"> </span></div></td><td class=\"c x344 y1647 w420 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Tsd. EUR, aus <span class=\"_ _5\"></span>Wechsel<span class=\"_ _5\"></span>kurs\u00e4nderungen r<span class=\"_ _5\"></span>esultier<span class=\"_ _5\"></span>en + 366 Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>Ver\u00e4nderung der Risikovorsorge nach IFRS 9 im Berichtsjahr<span class=\"_ _0\"></span> Folgende Tabellen zeigen die Wert<span class=\"_ _0\"></span>\u00e4nderungen der Brutt<span class=\"_ _0\"></span>obuchwerte sowie der Risikovorsorgen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r 2022 f\u00fcr<span class=\"_ _128\"> </span>bilanzielle Verm\u00f6genswerte, die unt<span class=\"_ _0\"></span>er die Bestimmungen der Wertminderungsvorschriften nach IFRS 9 fallen.<span class=\"_ _1\"></span> Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffu<span class=\"_ _0\"></span>ngskosten bewertet<span class=\"_ _1\"></span> <table class=\"s w421 h1fd\" id=\"_b5fdd7bf-e9ca-43f0-a457-fbefa14ca236\"><tr><td></td><td class=\"c x345 y1648 w173 h26\"><div class=\"t m0 x54 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x346 y1648 we h26\"><div class=\"t m0 x5a h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1648 w86 h26\"><div class=\"t m0 x13 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x308 y1649 w422 h1f1\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu AC bewerteten <span class=\"_ _0\"></span>finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y164a w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y164b w173 h6f\"><div class=\"t m0 x4f h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x346 y164b w9b h6f\"><div class=\"t m0 xd h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x348 y164b w175 h6f\"><div class=\"t m0 x29 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x349 y164b w30 h6f\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x308 y164c w424 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164d w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021* </div></td><td class=\"c x345 y164d w173 h39\"><div class=\"t m0 x4d h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">18.863.549<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164d we h39\"><div class=\"t m0 xc9 h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">5.602.656<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164d w86 h39\"><div class=\"t m0 x2b h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">342.671<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y164d w175 h39\"><div class=\"t m0 x85 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">40.330<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y164d w30 h39\"><div class=\"t m0 x8c h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">24.849.205<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y164e w172 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x345 y164e w173 h37\"><div class=\"t m0 x10 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">747.510<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164e we h37\"><div class=\"t m0 x4d h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-745.640<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164e w86 h37\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.871<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164f w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x345 y164f w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-331.097<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164f we h39\"><div class=\"t m0 xc h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">340.667<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164f w86 h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-9.570<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1650 w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x345 y1650 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-123.634<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1650 we h39\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-97.966<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1650 w86 h39\"><div class=\"t m0 x60 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">221.600<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1651 w425 h1fe\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1652 w426 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">neu ausgereichten od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1653 w427 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">erworbenen Verm\u00f6genswert<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1654 w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1655 w173 hc5\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">3.871.117<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1655 we hc5\"><div class=\"t m0 xc h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">977.008<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y1655 w30 hc5\"><div class=\"t m0 x9f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">4.848.125<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1656 w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1657 w429 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1658 w173 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.953.654<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1658 we h3b\"><div class=\"t m0 xc9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.953.654<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1659 w172 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Risikoparametern </div></td><td class=\"c x345 y1659 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-499.685<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1659 we h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.668.145<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1659 w86 h39\"><div class=\"t m0 x9f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-82.766<span class=\"fs2\"> </span></div></td><td class=\"c x348 y1659 w175 h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.080<span class=\"fs2\"> </span></div></td><td class=\"c x349 y1659 w30 h39\"><div class=\"t m0 x2b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.251.675<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165a w425 h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165b w42a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165c w173 h3b\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.993<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165c we h3b\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">965</span><span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165c w30 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.959<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165d w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165e w42b h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Ausbuchungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165f w173 h3b\"><div class=\"t m0 x36 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-2.538.742<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165f we h3b\"><div class=\"t m0 x4d h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-783.659<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165f w30 h3b\"><div class=\"t m0 x2b h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-3.322.401<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1660 w42c h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1661 w42d h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">von Abschreibungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1662 w425 h1ff\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1663 w42e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1664 w42f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">sonstigen Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1665 w173 h6f\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.052<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1665 we h6f\"><div class=\"t m0 x2d h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">61<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td class=\"c x349 y1665 w30 h6f\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.992<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1666 w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x345 y1666 w173 h39\"><div class=\"t m0 x4d h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">17.028.320<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1666 we h39\"><div class=\"t m0 xc9 h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">6.577.670<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1666 w86 h39\"><div class=\"t m0 x2b h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">470.064<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y1666 w175 h39\"><div class=\"t m0 x85 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">39.250<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y1666 w30 h39\"><div class=\"t m0 x8c h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">24.115.304<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1667 w176 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">* Die Vorjahreszahlen wurden au<span class=\"_ _0\"></span>fgrund einer Umgliederung angepasst<span class=\"_ _0\"></span>.<span class=\"ff5 fs4\"> </span></div></td><td class=\"c x34a y1668 w178 h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34b y1668 w173 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1668 w86 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">         <span class=\"ls0\">Stufe 3</span><span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1669 w430 h200\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu AC bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y166a w423 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y166b w17a h71\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x332 y166b w17b h71\"><div class=\"t m0 xf9 h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x21d y166b w17c h71\"><div class=\"t m0 x88 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x308 y166c w424 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y166d w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34a y166d w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.203<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166d w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">41.246<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y166d wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">156.213<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y166d w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">215.662<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166e w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x34a y166e w178 h37\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">954<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166e w173 h37\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.875<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y166e w17c h37\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.921<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166f w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x34a y166f w178 h37\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.855<span class=\"fs2\"> </span></div></td><td class=\"c x34b y166f w173 h37\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">7.108<span class=\"fs2\"> </span></div></td><td class=\"c x347 y166f wf h37\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">890</span><span class=\"fs2\"> </span></div></td><td class=\"c x21d y166f w17c h37\"><div class=\"t m0 x47 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.364<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1670 w177 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x34a y1670 w178 h39\"><div class=\"t m0 x42 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">525</span><span class=\"fs2\"> </span></div></td><td class=\"c x34b y1670 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.500<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1670 wf h39\"><div class=\"t m0 x72 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">53.963<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1670 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">50.939<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1671 w431 h201\"><div class=\"t m0 x177 h5 y1582 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1672 w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1673 w178 h6f\"><div class=\"t m0 x15 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">5.676<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1673 w173 h6f\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">9.426<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1673 w17c h6f\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">15.102<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1674 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Modell\u00e4nderungen </div></td><td class=\"c x34a y1674 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.070<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1674 w173 h39\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">16.766<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1674 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">14.696<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1675 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34a y1675 w178 h39\"><div class=\"t m0 x15 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">2.829<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1675 w173 h39\"><div class=\"t m0 x33 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-12.467<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1675 wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.101<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1675 w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-27.740<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1676 w432 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1677 w433 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1678 w178 h3b\"><div class=\"t m0 x14 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">10<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y1678 w173 h3b\"><div class=\"t m0 xa8 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1678 w17c h3b\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">12<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1679 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34a y1679 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.758<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1679 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.841<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1679 w17c h39\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.599<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167a w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td class=\"c x347 y167a wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167a w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y167b w425 h202\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167c w434 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _0\"></span> sonstigen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167d w435 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y167e w178 h71\"><div class=\"t m0 x10 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td class=\"c x34b y167e w173 h71\"><div class=\"t m0 xa8 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">5<span class=\"fs2\"> </span></div></td><td class=\"c x347 y167e wf h71\"><div class=\"t m0 xe h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.491<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167e w17c h71\"><div class=\"t m0 x4f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.486<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167f w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34a y167f w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.464<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y167f w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">50.869<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y167f wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">170.765<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y167f w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">240.099<span class=\"fs2 ls0\"> </span></div></td><td></td></tr></table>Finanzielle Verm\u00f6genswerte er<span class=\"_ _0\"></span>folgsneutral zum Fair Value bewe<span class=\"_ _0\"></span>rtet<table class=\"s w436 h203\" id=\"_6ec41fd6-3f03-42da-97a5-adefd8145509\"><tr><td class=\"c x178 y1680 w437 h204\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu FVOCI bewerteten finanzielle<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1681 w17f h38\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34d y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x34e y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1682 w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1683 w17f h6f\"><div class=\"t m0 x70 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34d y1683 w183 h6f\"><div class=\"t m0 xc h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34f y1683 w181 h6f\"><div class=\"t m0 x79 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x1ed y1683 w182 h6f\"><div class=\"t m0 x37 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1684 w438 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1685 w17e h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34c y1685 w17f h37\"><div class=\"t m0 xe h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1685 w182 h37\"><div class=\"t m0 x4 h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y1686 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1686 w182 h39\"><div class=\"t m0 x4 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">76.911 </div></td></tr><tr><td class=\"c x1bc y1687 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1688 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1689 w439 h205\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereichten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168a w43a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">oder erworbenen V<span class=\"_ _0\"></span>erm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168b w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168c w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modell\u00e4nderungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168d w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34c y168d w17f h37\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y168d w182 h37\"><div class=\"t m0 x3b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y168e w432 h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168f w433 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1690 w17e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34c y1690 w17f h39\"><div class=\"t m0 x14 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1690 w182 h39\"><div class=\"t m0 x1e h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y1691 w17e h38\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1692 w43b h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1693 w43c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und sonstigen Anp<span class=\"_ _0\"></span>assungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1694 w17e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34c y1694 w17f h39\"><div class=\"t m0 x2c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1694 w182 h39\"><div class=\"t m0 x2d h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1695 w43d h206\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu FVOCI bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1696 w185 h37\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td></td><td class=\"c x351 y1696 w8c h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x352 y1696 w31 h37\"><div class=\"t m0 x70 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1064 w423 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1697 w185 hc7\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x351 y1697 w186 hc7\"><div class=\"t m0 x10 h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x353 y1697 w6f hc7\"><div class=\"t m0 x5b h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1698 w438 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1699 w184 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td></td><td class=\"c x350 y1699 w185 h37\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y1699 w6f h37\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y169a w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169b w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169c w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169d w431 h201\"><div class=\"t m0 x177 h5 y11cc ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169e w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169f w425 h207\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a0 w429 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a1 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td></td><td class=\"c x350 y16a1 w185 h39\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a1 w6f h39\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y16a2 w425 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a3 w43e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen  ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a4 w184 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td></td><td class=\"c x350 y16a4 w185 h37\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a4 w6f h37\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y16a5 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a6 w184 h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Wechselkurs- </div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00e4nderungen und sonst<span class=\"_ _0\"></span>igen Anpassungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a7 w184 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td></td><td class=\"c x350 y16a7 w185 hc\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a7 w6f hc\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td></tr></table>Das maximale Ausfallrisiko des Oberban<span class=\"_ _0\"></span>k-Kon<span class=\"_ _0\"></span>zerns ergibt sich aus den in der Bilanzposition<span class=\"_ _0\"></span> Barreserve enthaltenen <span class=\"_ _0\"></span> Forderungen an Nat<span class=\"_ _0\"></span>ionalbanken und den Bilanzposten Ford<span class=\"_ _0\"></span>erungen an Kreditinstitute, Forderungen an Kunden, d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span> festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er Finanzanlagen, den Kreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten ein-<span class=\"_ _128\"> </span>schlie\u00dflich nicht ausgen\u00fct<span class=\"_ _0\"></span>zter Kreditrahmen sowie den Operating Leasing Forderun<span class=\"_ _0\"></span>gen und bel\u00e4uft sich auf 30.804 Mio.<span class=\"_ _0\"></span> Euro (Vorjahr 31.304 Mio.<span class=\"_ _0\"></span> Euro). Diesem Wert stehen in<span class=\"_ _0\"></span>sgesamt Kreditsicherheiten in<span class=\"_ _0\"></span> der H\u00f6he von 13.017,7 Mio. Euro<span class=\"_ _128\"> </span>(Vorjahr 12.135,9 Mio. Eur<span class=\"_ _0\"></span>o) gegen\u00fcber, davon f\u00fcr wertberichtigte und non<span class=\"_ _1\"></span>-performing Forderungen 303,5 Mio. Euro (Vor-<span class=\"_ _128\"> </span>jahr 218,0 Mio. Euro). In<span class=\"_ _0\"></span> den Zinsen und \u00e4hnlichen Ertr\u00e4gen ist ein Betrag in<span class=\"_ _1\"></span> H\u00f6he von 17,8 Mio. Euro (Vorjahr 11,9 Mio.<span class=\"_ _0\"></span> Euro) aus wertgemindert<span class=\"_ _0\"></span>en Forderungen an Kunden enthalten.<span class=\"_ _0\"></span> Das maximale Ausfallrisiko aus den n<span class=\"_ _0\"></span>ach Fair Value bewerteten Forderungen ent<span class=\"_ _0\"></span>spricht dem beizulegenden Zeitwert.<span class=\"_ _1\"></span> Die Impairment-Krit<span class=\"_ _0\"></span>erien f\u00fcr in den Fina<span class=\"ff9\">nzan<span class=\"_ _0\"></span>lagen enthaltene Schuldtitel sind unter Note 2.5, \u201eWertminderu<span class=\"_ _0\"></span>ng bei </span> Schuldtiteln\u201c, dargestellt.<span class=\"ff4\"> <span class=\"_ _7\"> </span> </span>Non-performing loans<span class=\"_ _128\"> </span>Als notleidend (non<span class=\"_ _0\"></span>-performing) werden Forderungen klassifiziert,<span class=\"_ _0\"></span> auf die ein Ausfallkriterium im Sinne der CRR II zut<span class=\"_ _0\"></span>rifft:<span class=\"_ _128\"> </span>Eine wesentliche Ford<span class=\"_ _0\"></span>erung ist mehr als 90 Tage \u00fcberf\u00e4llig oder die vo<span class=\"_ _0\"></span>lle R\u00fcckzahlung der Forderung ist unwahrscheinlich.<span class=\"_ _128\"> </span>Nachstehende Elemente sind<span class=\"_ _0\"></span> als Hinweis zu sehen, dass eine Forderung w<span class=\"_ _0\"></span>ahrscheinlich nicht in voller H\u00f6he beglichen wird<span class=\"_ _0\"></span>:<span class=\"_ _0\"></span> 1. Verzicht auf die lau<span class=\"_ _0\"></span>fende Belastung von Zinsen<span class=\"_ _0\"></span> 2. Neubildung einer Kred<span class=\"_ _0\"></span>itrisikoanpassung in Stufe 3 aufgrund einer deutlichen Verschlechteru<span class=\"_ _0\"></span>ng der Bonit\u00e4t;<span class=\"_ _1\"></span> 3. Restrukturierung des Kred<span class=\"_ _0\"></span>itengagements;<span class=\"_ _128\"> </span>4. Einleitung von Betr<span class=\"_ _0\"></span>eibungsma\u00dfnahmen wegen Zah<span class=\"_ _0\"></span>lungsunf\u00e4higkeit /-un<span class=\"_ _0\"></span>willigkeit, Betrug oder sonstiger Gr\u00fcnde;<span class=\"_ _0\"></span> 5. Forderungsver<span class=\"_ _0\"></span>kauf mit bedeutendem, bonit\u00e4tsbedingtem Verlust;<span class=\"_ _0\"></span> 6. Insolvenz.<span class=\"_ _128\"> </span>7. Weitere Nachsichtsma\u00dfn<span class=\"_ _0\"></span>ahme bei einer bereits mit Nachsicht gekennzeichneter Ford<span class=\"_ _0\"></span>erung.<span class=\"_ _0\"></span> Diese Forderungen we<span class=\"_ _0\"></span><span class=\"ff9\">rden in der Kategorie not<span class=\"_ _0\"></span>leidend (\u201enon<span class=\"_ _0\"></span></span>-<span class=\"ff9\">performing\u201c) dargestellt und sind Teil der fo<span class=\"_ _0\"></span>lgenden </span> Bilanzposten. Weiters l\u00e4sst<span class=\"_ _0\"></span> sich die Entwicklung der Kennzah<span class=\"_ _0\"></span>l \u201eNon<span class=\"ff4\">-</span>perfo<span class=\"_ _0\"></span>rming loans Ratio\u201c und der \u201eNon<span class=\"_ _0\"></span><span class=\"ff4\">-performing<span class=\"_ _128\"> </span></span>Coverage Ratio\u201c aus d<span class=\"_ _0\"></span>er unten stehenden Tabelle <span class=\"ff4\">ab<span class=\"_ _0\"></span>lesen.</span><table class=\"s w43f h208\" id=\"_3e644fd3-bbc7-4201-8b25-00daaae361ed\"><tr><td></td><td></td><td></td><td class=\"c x354 y16a8 w440 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NPL nach Abzug von Risikovorsor-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16a9 w188 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div><div class=\"t m0 x14 h15 ye9 ff4 fs5 fc2 sc0 ls30 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x355 y16a9 w189 h3b\" colspan=\"2\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">NPL vor Abzug von Risikovorsorgen<span class=\"_ _0\"></span> </div></td><td class=\"c x354 y16aa w441 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16ab w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzposition<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ab w18b h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x219 y16ab w169 h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x356 y16ab w18c h39\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x319 y16ab waa h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y16ac w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ac w18b h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16ac w169 h39\"><div class=\"t m0 x120 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16ac w18c h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x319 y16ac waa h39\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y16ad w188 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ad w18b h37\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">509.314<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16ad w169 h37\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">381.882<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16ad w18c h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">338.548<span class=\"_ _128\"> </span> </div></td><td class=\"c x319 y16ad w18d h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.368<span class=\"_ _128\"> </span> </div></td></tr><tr><td></td><td></td><td class=\"c x355 y16ae w189 h39\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">vor Abzug von Risikovorsorgen<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16ae w18e h39\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">nach Abzug von Risikovorsorgen<span class=\"_ _0\"></span> </div></td></tr><tr><td></td><td class=\"c x355 y16af w18b h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x219 y16af w169 h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x356 y16af w18f h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x357 y16af we h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y16b0 w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing loans Ratio brutto<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b0 w18b h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2,49%<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16b0 w169 h39\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,96%<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16b0 w18f h39\"><div class=\"t m0 x69 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x357 y16b0 we h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y16b1 w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing loans Ratio netto<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b1 w18b h39\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16b1 w169 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16b1 w18f h39\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,67%<span class=\"_ _128\"> </span> </div></td><td class=\"c x357 y16b1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,18%<span class=\"_ _128\"> </span> </div></td></tr><tr><td></td><td class=\"c x355 y16b2 w189 h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x356 y16b2 w18e h39\"><div class=\"t m0 x38 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16b3 w188 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">NPL vor Abzug von <span class=\"_ _0\"></span>Risikovorsorgen<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16b3 w189 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">509.314<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b3 w18e h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">381.882<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x2c6 y16b4 w188 ha0\"><div class=\"t m0 x90 h5 y31c ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stage 3 und<span class=\"_ _0\"></span> Sicherhei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ten f\u00fcr Non performing loan<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16b4 w189 ha0\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.630<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b4 w18e ha0\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">355.603<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x2c6 y16b5 w188 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing Coverage Ratio<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b5 w189 h37\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">87,69%<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b5 w18e h37\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">93,12%<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x199 y16b6 w3 h3\"><div class=\"t m0 x3 h15 y4fc ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x1e h5 y7ca ff4 fs2 fc2 sc0 ls0 ws0\"> Bei den Werten hand<span class=\"_ _0\"></span>elt es sich um Bilanzwert<span class=\"_ _0\"></span>e. </div><div class=\"t m0 x3 h5 y67f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 ya18 ff4 fs2 fc2 sc0 ls0 ws0\">Das non-perfor<span class=\"_ _0\"></span>ming Kreditrisikovolumen (On- u<span class=\"_ _0\"></span>nd Off-Balance) wird in der nachfolgend<span class=\"_ _0\"></span>en Tabelle den Risikovorsorgen und </div><div class=\"t m0 x3 h5 y45c ff4 fs2 fc2 sc0 ls0 ws0\">den Sicherheiten nach Br<span class=\"_ _0\"></span>anche gegen\u00fcbergestellt. </div><div class=\"t m0 x3 h5 y737 ff4 fs2 fc2 sc0 ls0 ws0\">Im Bilanzerhellungszeitraum wurd<span class=\"_ _0\"></span>en noch weitere 6,5 Mio. EUR Risikovorsorgen Stu<span class=\"_ _0\"></span>fe 3 Off<span class=\"_ _0\"></span>-Balance gebildet. Die Kunden<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 ya19 ff4 fs2 fc2 sc0 ls0 ws0\">wurden im J\u00e4nner zeitn<span class=\"_ _0\"></span>ah auf Non-performin<span class=\"_ _0\"></span>g umgestellt. </div><div class=\"t m0 x3 h5 ya1a ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w442 h209\" id=\"_2d2ef00f-c273-405b-a14b-f243010e7435\"><tr><td class=\"c x178 y16b7 w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16b8 w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16b9 w191 h39\" colspan=\"2\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td class=\"c x178 y16ba w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16bb w444 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16bc w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16bc w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16bc w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16bd w445 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16be w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x35d y16be we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.643 </div></td><td class=\"c x359 y16be w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">520<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16be w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">133<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16be w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">902<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16bf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16bf we h37\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16bf w192 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16bf w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16bf w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16c0 w190 h38\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16c0 we h38\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.443 </div></td><td class=\"c x359 y16c0 w192 h38\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">31.829 </div></td><td class=\"c x205 y16c0 w193 h38\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.236 </div></td><td class=\"c x35b y16c0 w54 h38\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">82.917 </div></td></tr><tr><td class=\"c x174 y16c1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16c1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.424 </div></td><td class=\"c x359 y16c1 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c1 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c1 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.585 </div></td></tr><tr><td class=\"c x174 y16c2 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16c2 we h3a\"><div class=\"t m0 xd h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">427<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16c2 w192 h3a\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">102<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c2 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c2 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">234<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16c3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16c3 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x359 y16c3 w192 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.614 </div></td><td class=\"c x205 y16c3 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.655 </div></td><td class=\"c x35b y16c3 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.946 </div></td></tr><tr><td class=\"c x174 y16c4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16c4 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.145 </div></td><td class=\"c x359 y16c4 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.363 </div></td><td class=\"c x205 y16c4 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.888 </div></td><td class=\"c x35b y16c4 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.019 </div></td></tr><tr><td class=\"c x174 y16c5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16c5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.709 </div></td><td class=\"c x359 y16c5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.539 </div></td><td class=\"c x205 y16c5 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">840<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.805 </div></td></tr><tr><td class=\"c x174 y16c6 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16c6 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.549 </div></td><td class=\"c x359 y16c6 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.028 </div></td><td class=\"c x205 y16c6 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.622 </div></td><td class=\"c x35b y16c6 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.238 </div></td></tr><tr><td class=\"c x174 y16c7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16c7 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.380 </div></td><td class=\"c x359 y16c7 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">639<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c7 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">13<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c7 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.217 </div></td></tr></table><table class=\"s w442 h20a\" id=\"_9710281b-a7f9-452c-9e4e-8a8ea5edff0b\"><tr><td class=\"c x178 y16c8 w446 h20b\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div></td><td class=\"c x35d y16c9 we ha0\"><div class=\"t m0 x14 h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.405 </div></td><td></td><td class=\"c x205 y16c9 w193 ha0\"><div class=\"t m0 x94 h5 ya24 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c9 w54 ha0\"><div class=\"t m0 x2f h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.019 </div></td></tr><tr><td class=\"c x178 y16ca w447 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">tungen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x359 y16c9 w192 ha0\"><div class=\"t m0 x34 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">366<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y16cb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswe-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16cb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">50.495 </div></td><td class=\"c x359 y16cb w192 h3a\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.962 </div></td><td class=\"c x205 y16cb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">4.060 </div></td><td class=\"c x35b y16cb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">31.679 </div></td></tr><tr><td class=\"c x174 y16cc w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16cc we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">66.814 </div></td><td class=\"c x359 y16cc w192 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.394 </div></td><td class=\"c x205 y16cc w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">544<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cc w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">30.922 </div></td></tr><tr><td class=\"c x174 y16cd w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16cd we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">10.190 </div></td><td class=\"c x359 y16cd w192 h3a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.064 </div></td><td class=\"c x205 y16cd w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cd w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.501 </div></td></tr><tr><td class=\"c x174 y16ce w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ce we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ce w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ce w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ce w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16cf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x35d y16cf we h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">307<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16cf w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">176<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16cf w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cf w54 h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">116<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16d0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.269 </div></td><td class=\"c x359 y16d0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">496<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d0 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.317 </div></td></tr><tr><td class=\"c x174 y16d1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16d1 we h3b\"><div class=\"t m0 xd h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">988<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d1 w192 h3b\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">421<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d1 w193 h3b\"><div class=\"t m0 xad h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d1 w54 h3b\"><div class=\"t m0 x40 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">489<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16d2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.907 </div></td><td class=\"c x359 y16d2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.288 </div></td></tr><tr><td class=\"c x174 y16d3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16d3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.934 </div></td><td class=\"c x359 y16d3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.304 </div></td><td class=\"c x205 y16d3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">486<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.300 </div></td></tr><tr><td class=\"c x174 y16d4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x35d y16d4 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16d4 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16d4 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d4 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16d5 w448 h20c\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16d6 w193 ha0\"><div class=\"t m0 x30 h5 ya2e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x178 y16d7 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16d8 w190 h37\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16d8 we h37\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d8 w192 h37\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d8 w193 h37\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d8 w54 h37\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y16d9 w3fc h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16da w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16db w191 h39\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y16dc w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16dd w444 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16de w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16de w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16de w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16df w445 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16e0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x35d y16e0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.012 </div></td><td class=\"c x359 y16e0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e0 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.267 </div></td></tr><tr><td class=\"c x174 y16e1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16e1 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16e1 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16e1 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16e1 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16e2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16e2 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">89.886 </div></td><td class=\"c x359 y16e2 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.634 </div></td><td class=\"c x205 y16e2 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.647 </div></td><td class=\"c x35b y16e2 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.999 </div></td></tr><tr><td class=\"c x174 y16e3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16e3 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505 </div></td><td class=\"c x359 y16e3 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">483<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e3 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e3 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.183 </div></td></tr><tr><td class=\"c x174 y16e4 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16e4 we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">1.469 </div></td><td class=\"c x359 y16e4 w192 h3a\"><div class=\"t m0 x34 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">247<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e4 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e4 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">804<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16e5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16e5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.649 </div></td><td class=\"c x359 y16e5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.100 </div></td><td class=\"c x205 y16e5 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.753 </div></td><td class=\"c x35b y16e5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.839 </div></td></tr><tr><td class=\"c x174 y16e6 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16e6 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.123 </div></td><td class=\"c x359 y16e6 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.304 </div></td><td class=\"c x205 y16e6 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.672 </div></td><td class=\"c x35b y16e6 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.709 </div></td></tr><tr><td class=\"c x174 y16e7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16e7 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">26.247 </div></td><td class=\"c x359 y16e7 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.764 </div></td><td class=\"c x205 y16e7 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">273<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e7 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.785 </div></td></tr><tr><td class=\"c x174 y16e8 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16e8 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.744 </div></td><td class=\"c x359 y16e8 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.144 </div></td><td class=\"c x205 y16e8 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.671 </div></td><td class=\"c x35b y16e8 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.681 </div></td></tr><tr><td class=\"c x174 y16e9 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16e9 we h3c\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.959 </div></td><td class=\"c x359 y16e9 w192 h3c\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.866 </div></td><td class=\"c x205 y16e9 w193 h3c\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e9 w54 h3c\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.061 </div></td></tr><tr><td class=\"c x174 y16ea w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ea we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.847 </div></td><td class=\"c x359 y16ea w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">357<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ea w193 h3b\"><div class=\"t m0 x94 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">61<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ea w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.431 </div></td></tr><tr><td class=\"c x174 y16eb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls32 ws0\">L <span class=\"ls0\">Grundst\u00fc<span class=\"_ _0\"></span>cks- und Wohnungswe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16eb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">46.507 </div></td><td class=\"c x359 y16eb w192 h3a\"><div class=\"t m0 xf9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">15.481 </div></td><td class=\"c x205 y16eb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">7.107 </div></td><td class=\"c x35b y16eb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">28.350 </div></td></tr><tr><td class=\"c x174 y16ec w190 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ec we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">43.713 </div></td><td class=\"c x359 y16ec w192 h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">16.342 </div></td><td class=\"c x205 y16ec w193 h3b\"><div class=\"t m0 x6 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.392 </div></td><td class=\"c x35b y16ec w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.029 </div></td></tr><tr><td class=\"c x174 y16ed w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16ed we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">8.698 </div></td><td class=\"c x359 y16ed w192 h3a\"><div class=\"t m0 x2d h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">2.396 </div></td><td class=\"c x205 y16ed w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">389<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ed w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.660 </div></td></tr><tr><td class=\"c x174 y16ee w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ee we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ee w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ee w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ee w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16ef w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und U<span class=\"_ _0\"></span>nterricht </div></td><td class=\"c x35d y16ef we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">540<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ef w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">158<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ef w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ef w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">365<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16f0 we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">137<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f0 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x35b y16f0 w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16f1 we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.686 </div></td><td class=\"c x359 y16f1 w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">948<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f1 w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f1 w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.984 </div></td></tr><tr><td class=\"c x174 y16f2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16f2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.051 </div></td><td class=\"c x359 y16f2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">634<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">32<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.318 </div></td></tr><tr><td class=\"c x174 y16f3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16f3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.133 </div></td><td class=\"c x359 y16f3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.928 </div></td><td class=\"c x205 y16f3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">318<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.255 </div></td></tr><tr><td class=\"c x174 y16f4 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>ionen </div></td><td class=\"c x35d y16f4 we h3c\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16f4 w192 h3c\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16f4 w193 h3c\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16f4 w54 h3c\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16f5 w448 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16f6 w193 h3b\"><div class=\"t m0 x30 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">75.776 </div></td><td></td></tr><tr><td class=\"c x178 y16f7 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16f8 w190 h39\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16f8 we h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f8 w192 h39\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f8 w193 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f8 w54 h39\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>Weiters erfolgt noch eine Darstellung d<span class=\"_ _0\"></span>es non<span class=\"_ _0\"></span>-performing Kreditrisikovolumens, der R<span class=\"_ _0\"></span>isikovorsorgen und der Sicherheiten<span class=\"_ _128\"> </span>nach Regionen. <span class=\"_ _7\"> </span> <table class=\"s w44a h20d\" id=\"_9e698291-df94-445b-a8b6-750dffe19edd\"><tr><td></td><td class=\"c x35e y16f9 w44b h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fa we3 h3e\" colspan=\"2\"><div class=\"t m0 x11 h6 ya45 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td></td><td class=\"c x360 y16fb w44c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x361 y16fc w3f8 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x362 y16fd w44d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fe w54 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y16fe w10 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y16fe w54 h43\"><div class=\"t m0 x5b h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x361 y16ff w44e h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1700 w197 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1700 w196 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">229.534 </div></td><td class=\"c x367 y1700 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.349 </div></td><td class=\"c x368 y1700 w10 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.079 </div></td><td class=\"c x369 y1700 w54 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">126.144 </div></td></tr><tr><td class=\"c x365 y1701 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1701 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.555 </div></td><td class=\"c x367 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.097 </div></td><td class=\"c x368 y1701 w10 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.319 </div></td><td class=\"c x369 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.939 </div></td></tr><tr><td class=\"c x365 y1702 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1702 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.682 </div></td><td class=\"c x367 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.295 </div></td><td class=\"c x368 y1702 w10 h12\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.838 </div></td><td class=\"c x369 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.075 </div></td></tr><tr><td class=\"c x365 y1703 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1703 w196 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">382<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1703 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">189<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1703 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x369 y1703 w54 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">31<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x365 y1704 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1704 w196 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x367 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x368 y1704 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1705 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1705 w196 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.170 </div></td><td class=\"c x367 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.831 </div></td><td class=\"c x368 y1705 w10 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.304 </div></td></tr><tr><td class=\"c x178 y1706 w44f h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuorden<span class=\"_ _0\"></span>bare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1707 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1708 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x365 y1709 w197 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y1709 w196 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1709 w10 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x36a y170a w44b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170b w19a h34\"><div class=\"t m0 x4d h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x36c y170c w44c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x36d y170d w3f8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x36e y170e w44d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170f w122 h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y170f w19b h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y170f we1 h7f\"><div class=\"t m0 x37 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x36d y1710 w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1711 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1711 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.970 </div></td><td class=\"c x367 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.121 </div></td><td class=\"c x368 y1711 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.803 </div></td><td class=\"c x369 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.098 </div></td></tr><tr><td class=\"c x365 y1712 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1712 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">112.775 </div></td><td class=\"c x367 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.844 </div></td><td class=\"c x368 y1712 w10 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.132 </div></td><td class=\"c x369 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.070 </div></td></tr><tr><td class=\"c x365 y1713 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1713 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.361 </div></td><td class=\"c x367 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.004 </div></td><td class=\"c x368 y1713 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.811 </div></td><td class=\"c x369 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.268 </div></td></tr><tr><td class=\"c x365 y1714 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1714 w196 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">76<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1714 w54 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">71<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1714 w10 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1714 w54 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1715 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1715 w196 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x368 y1715 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1716 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1716 w196 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.052 </div></td><td class=\"c x367 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1716 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1717 w450 h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuo<span class=\"_ _0\"></span>rdenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1718 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1719 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.119 </div></td><td></td></tr><tr><td class=\"c x365 y11b5 w197 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y11b5 w196 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x367 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x368 y11b5 w10 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x369 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>Die geografisch nicht zuord<span class=\"_ _0\"></span>enbaren Risikovorsorgen ergeben sich zu einem Gro\u00dfteil aus <span class=\"_ _0\"></span>den freien R\u00fcckstellungen der AL-<span class=\"_ _128\"> </span>GAR, die in der Folge n\u00e4h<span class=\"_ _0\"></span>er erl\u00e4utert werden:<span class=\"_ _128\"> </span>Die Oberbank AG, die BKS AG und d<span class=\"_ _0\"></span>ie BTV AG sind zu 50% bzw. jeweils 25% an der Alp<span class=\"_ _0\"></span>enl\u00e4ndische Garantie<span class=\"_ _0\"></span>-Gesellschaft<span class=\"_ _128\"> </span>m.b.H. (idF kurz \u201eALGAR\u201c) <span class=\"_ _0\"></span>beteiligt. Gesch\u00e4ftsgegenstand d<span class=\"_ _0\"></span>er ALGAR, die \u00fcber eine eingeschr\u00e4nkt<span class=\"_ _0\"></span>e Bankkonzession verf\u00fcgt,<span class=\"_ _128\"> </span>ist die \u00dcbernahme vo<span class=\"_ _0\"></span>n Ausfallrisiken f\u00fcr definierte Kredite und Darlehen<span class=\"_ _0\"></span> der Gesellschafterbanken, wobei das Ausma\u00df d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Inanspruchnahme mit d<span class=\"_ _0\"></span>em in der ALGAR vorhandenen Verm\u00f6gen, w<span class=\"_ _0\"></span>elches nicht f\u00fcr bereits in Anspruch geno<span class=\"_ _0\"></span>mmenen Ga-<span class=\"_ _128\"> </span>rantieleistungen reserviert ist, begrenzt ist<span class=\"_ _0\"></span> (H\u00f6chstbetr<span class=\"_ _0\"></span>ag der R\u00fcckstellung f\u00fcr erwartete k\u00fcnftige Inanspruchn<span class=\"_ _0\"></span>ahmen). Die<span class=\"_ _128\"> </span>Laufzeit der Garantie ist zeitlich un<span class=\"_ _0\"></span>limitiert. Die Gesellschafterbanken haben laufend<span class=\"_ _0\"></span> ein Garantieentgelt zu leisten, welche<span class=\"_ _0\"></span><span class=\"ls33\">s<span class=\"_ _128\"> </span></span>sich im Falle einer Entn<span class=\"_ _0\"></span>ahme entsprechend zuk\u00fcnftig<span class=\"_ _0\"></span> erh\u00f6ht (Malusregelung). <span class=\"_ _0\"></span> Zum 31. Dezember 2022 stehen<span class=\"_ _0\"></span> einem von den Gesellschafterbanken<span class=\"_ _0\"></span> eingemeldeten und von der Garantie umfasst<span class=\"_ _0\"></span>en Volu-<span class=\"_ _128\"> </span>men eine R\u00fcckstellung f\u00fcr erw<span class=\"_ _0\"></span>artete k\u00fcnftige Inanspruchnahmen in der ALGAR<span class=\"_ _0\"></span> von 179.640 Tsd. EUR gegen\u00fcber. Da der f\u00fcr<span class=\"_ _1\"></span> das Garantievolumen ermittelte erwartet<span class=\"_ _0\"></span>e Kreditverlust den H\u00f6chstbetrag der R\u00fcckstellung f\u00fcr erwartete k\u00fcn<span class=\"_ _0\"></span>ftige Inan-<span class=\"_ _128\"> </span>spruchnahmen b<span class=\"_ _0\"></span>ei weitem \u00fcbersteigt, greift zu diesem Stichtag die oben an<span class=\"_ _0\"></span>gef\u00fchrte Begrenzungsregelung.<span class=\"_ _0\"></span> Aufgrund der besond<span class=\"_ _0\"></span>eren gesellschaftsvert<span class=\"_ _0\"></span>raglichen Bestimmungen sowie des mit der Bank f\u00fcr T<span class=\"_ _0\"></span>irol und Vorarlberg Aktien-<span class=\"_ _128\"> </span>gesellschaft und mit der BKS Bank AG <span class=\"_ _0\"></span>geschlossenen Gesellschafter\u00fcb<span class=\"_ _0\"></span>ereinkommens wird die ALGAR als Gemeinschaftliche<span class=\"_ _128\"> </span>T\u00e4tigkeit (Joint Operation<span class=\"_ _0\"></span>) iSd IFRS 11 in den Konzern de<span class=\"_ _0\"></span>r Oberbank AG einbezogen.<span class=\"_ _128\"> </span>Insoweit seitens der Gesellschafterban<span class=\"_ _0\"></span>ken bereits Garantien der ALGAR aufgrund eines Au<span class=\"_ _0\"></span>sfalles in Anspruch genommen<span class=\"_ _128\"> </span>wurden, werden im Rah<span class=\"_ _0\"></span>men der Konzernrechnungslegung die in der ALGAR daf\u00fcr<span class=\"_ _0\"></span> vorgenommenen R\u00fcckstellungen der je-<span class=\"_ _128\"> </span>weiligen betroffenen Gesellschaft<span class=\"_ _0\"></span>erbank zugeordnet. Dies betrifft ebenso<span class=\"_ _0\"></span> die im Rahmen der vorl\u00e4ufigen Gar<span class=\"_ _0\"></span>antieerkl\u00e4run-<span class=\"_ _128\"> </span>gen angemeldeten Kreditobligos, f\u00fc<span class=\"_ _0\"></span>r die in der ALGAR bereits Risikovorsorgen gebildet wurden.     <span class=\"_ _1\"></span> Die seitens der ALGAR vorgenommenen R\u00fcckst<span class=\"_ _0\"></span>ellungen f\u00fcr<span class=\"_ _0\"></span> erwartete Kreditverluste f\u00fcr das noch nicht ausgefallene Garan-<span class=\"_ _128\"> </span>tievolumen werden von<span class=\"_ _0\"></span> den Gesellsc<span class=\"_ _5\"></span>hafterban<span class=\"_ _0\"></span>ken mangels einer eindeutigen Zuo<span class=\"_ _0\"></span>rdenbarkeit der Vorsorgen zu spezifischen<span class=\"_ _128\"> </span>garantierten Krediten und Dar<span class=\"_ _0\"></span>lehen entsprechend dem Beteiligung<span class=\"_ _0\"></span>sverh<span class=\"_ _0\"></span>\u00e4ltnis in den Konzern einbezogen. <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>Hieraus ergibt sich f\u00fcr die Oberban<span class=\"_ _0\"></span>k AG die \u00dcbernahme von R\u00fcckstellungen f\u00fc<span class=\"_ _0\"></span>r erwartete Kreditverluste von nicht eind<span class=\"_ _0\"></span>eutig<span class=\"_ _128\"> </span>zuordenbaren Kred<span class=\"_ _0\"></span>itrisiken in H\u00f6he von 89.820 Tsd. EUR.<span class=\"_ _0\"></span> Dar\u00fcber hinaus gibt es noch Risikovo<span class=\"_ _0\"></span><span class=\"ff9\">rsorgen f\u00fcr ECLs der Stu<span class=\"_ _0\"></span>fen 1 und 2 f\u00fcr die \u201eperforming\u201c<span class=\"_ _0\"></span></span>-Kategorien mit einem Volu-<span class=\"_ _128\"> </span>men von 88.896 Tsd<span class=\"_ _0\"></span>. EUR (Vorjahr: 80.782 Tsd. EUR).<span class=\"_ _128\"> </span>Risikovorsorgen gem\u00e4\u00df IFRS 9 nach Bonit\u00e4tsstruktur<span class=\"_ _0\"></span> Die Risikovorsorgen werden gem\u00e4\u00df IFRS 9 f\u00fc<span class=\"_ _0\"></span>r Kreditverluste s\u00e4mtlicher <span class=\"_ _0\"></span>Position<span class=\"_ _0\"></span>en des Kreditrisikovolumens berechnet, die<span class=\"_ _128\"> </span>zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten oder erfolgsneutral zum Fair Value bewertet<span class=\"_ _0\"></span> werden. Dies umfasst Kredite und D<span class=\"_ _0\"></span>arle-<span class=\"_ _128\"> </span>hen, Schuldverschreibungen,<span class=\"_ _0\"></span> Forderungen aus Finanzierungsleasing sowie Forderungen aus <span class=\"_ _1\"></span>Lieferungen und Leistungen.<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr Finan<span class=\"_ _0\"></span>zgarantien und nicht ausgen\u00fctzte Kreditr<span class=\"_ _0\"></span>ahmen werden berechnet, sofern sie den IFRS 9 Bestim-<span class=\"_ _128\"> </span>mungen f\u00fcr Impairment unt<span class=\"_ _0\"></span>erliegen.<table class=\"s w451 h20e\" id=\"_004c9ba9-af07-40ce-bdca-b9cbbc25bc02\"><tr><td class=\"c x178 y171a w452 h20f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171b w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y171b w37 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y171b w36 h39\" colspan=\"2\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td></tr><tr><td class=\"c x178 y171c w453 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171d w19c hcd\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y171d w19d hcd\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y171d w19e hcd\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y171d w19f hcd\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y171e w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y171f w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.216.228 </div></td><td class=\"c x370 y171f w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.630.975 </div></td><td></td><td></td><td class=\"c x373 y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.847.202 </div></td></tr><tr><td class=\"c x1dc y1720 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y1720 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.041.996 </div></td><td class=\"c x370 y1720 w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.577.866 </div></td><td></td><td class=\"c x372 y1720 w40 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">15<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1720 w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.619.876 </div></td></tr><tr><td class=\"c x1dc y1721 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y1721 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.095 </div></td><td class=\"c x370 y1721 w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">368.830 </div></td><td></td><td class=\"c x372 y1721 w40 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.167 </div></td><td class=\"c x373 y1721 w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">444.091 </div></td></tr><tr><td class=\"c x1dc y1722 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">470.064 </div></td><td class=\"c x372 y1722 w40 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.068 </div></td><td class=\"c x373 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.133 </div></td></tr><tr><td class=\"c x1dc y1723 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.332.318<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1723 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.577.670<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1723 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">470.064<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1723 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.419.302<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1724 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1724 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.500 </div></td><td class=\"c x370 y1724 w37 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.869 </div></td><td class=\"c x371 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-170.765 </div></td><td></td><td class=\"c x373 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-240.134 </div></td></tr><tr><td class=\"c x1dc y1725 w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.313.818<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1725 w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.526.801<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1725 w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">299.300<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1725 w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.179.168<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1726 w452 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y1727 w37 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1728 w453 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1729 w19c h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y1729 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y1729 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y1729 w19f h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y172a w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y172b w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.835.616 </div></td><td class=\"c x370 y172b w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.061.195 </div></td><td></td><td></td><td class=\"c x373 y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.896.811 </div></td></tr><tr><td class=\"c x1dc y172c w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y172c w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.871.148 </div></td><td class=\"c x370 y172c w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.014.364 </div></td><td></td><td class=\"c x372 y172c w40 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4 </div></td><td class=\"c x373 y172c w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.885.516 </div></td></tr><tr><td class=\"c x1dc y172d w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y172d w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.377 </div></td><td class=\"c x370 y172d w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">515.098 </div></td><td></td><td></td><td class=\"c x373 y172d w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">590.475 </div></td></tr><tr><td class=\"c x1dc y172e w12f h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">342.671 </div></td><td class=\"c x372 y172e w40 h3c\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.325 </div></td><td class=\"c x373 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.996 </div></td></tr><tr><td class=\"c x1dc y172f w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.782.141<span class=\"ls0\"> </span></div></td><td class=\"c x370 y172f w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.590.657<span class=\"ls0\"> </span></div></td><td class=\"c x371 y172f w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">342.671<span class=\"ls0\"> </span></div></td><td class=\"c x372 y172f w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.755.798<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1730 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1730 w36 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.251 </div></td><td class=\"c x370 y1730 w37 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.246 </div></td><td class=\"c x371 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-156.213 </div></td><td></td><td class=\"c x373 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-215.710 </div></td></tr><tr><td class=\"c x1dc y1731 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.763.890<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1731 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.549.411<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1731 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">186.458<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1731 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.540.089<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1732 w454 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y1733 w40 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1734 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1735 w19f h53\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1735 w19d h53\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1735 w19e h53\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1735 w19c h53\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1736 w456 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1737 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.778 </div></td><td class=\"c x375 y1737 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">361.409 </div></td><td></td><td></td><td class=\"c x378 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.394.187 </div></td></tr><tr><td class=\"c x1dc y1738 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.560 </div></td><td class=\"c x375 y1738 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">464.486 </div></td><td></td><td class=\"c x377 y1738 w37 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.050.057 </div></td></tr><tr><td class=\"c x1dc y1739 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.235 </div></td><td class=\"c x375 y1739 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.487 </div></td><td></td><td></td><td class=\"c x378 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.723 </div></td></tr><tr><td class=\"c x1dc y173a w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.972 </div></td><td class=\"c x377 y173a w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">16<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.988 </div></td></tr><tr><td class=\"c x1dc y173b w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.629.573<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173b w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">850.382<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173b w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">8.972<span class=\"ls0\"> </span></div></td><td class=\"c x377 y173b w37 h37\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">28<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.488.955<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y173c w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y173c w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.525 </div></td><td class=\"c x375 y173c w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.390 </div></td><td class=\"c x307 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-113.663 </div></td><td class=\"c x377 y173c w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">219</span> </div></td><td class=\"c x378 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-127.796 </div></td></tr><tr><td class=\"c x1dc y173d w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.622.048<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173d w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">843.993<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173d w36 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104.691</span> </div></td><td class=\"c x377 y173d w37 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">191</span> </div></td><td class=\"c x378 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.361.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y173e w454 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y173f w40 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1740 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1741 w19f h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1741 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1741 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1741 w19c h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1742 w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1743 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.228.527 </div></td><td class=\"c x375 y1743 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.875 </div></td><td></td><td></td><td class=\"c x378 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.267.402 </div></td></tr><tr><td class=\"c x1dc y1744 w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.858.508 </div></td><td class=\"c x375 y1744 w40 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">293.533 </div></td><td></td><td class=\"c x377 y1744 w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.152.078 </div></td></tr><tr><td class=\"c x1dc y1745 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.906 </div></td><td class=\"c x375 y1745 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.425 </div></td><td></td><td></td><td class=\"c x378 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.331 </div></td></tr><tr><td class=\"c x1dc y1746 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.342 </div></td><td class=\"c x377 y1746 w37 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.048 </div></td><td class=\"c x378 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.390 </div></td></tr><tr><td class=\"c x1dc y1747 w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.104.941<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1747 w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">376.834<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1747 w36 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">12.342<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1747 w37 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.084<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.499.201<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1748 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.878 </div></td><td class=\"c x375 y1748 w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.125 </div></td><td class=\"c x307 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.080 </div></td><td class=\"c x377 y1748 w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">413</span> </div></td><td class=\"c x378 y1748 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.496 </div></td></tr><tr><td class=\"c x1dc y1749 w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.095.063<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1749 w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">370.708<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1749 w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.262<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1749 w37 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.671<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.475.705<span class=\"ls0\"> </span></div></td></tr></table>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span>per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span>Stage 2<span class=\"_ _128\"> </span>Stage 3<span class=\"_ _128\"> </span>12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCI<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Sehr gut<span class=\"_ _128\"> </span>733.938<span class=\"_ _128\"> </span>224.989<span class=\"_ _128\"> </span>958.928<span class=\"_ _128\"> </span>Gut<span class=\"_ _128\"> </span>543.937<span class=\"_ _128\"> </span>96.809<span class=\"_ _128\"> </span>640.747<span class=\"_ _128\"> </span>Mangelhaft<span class=\"_ _128\"> </span>2.507<span class=\"_ _128\"> </span>16.782<span class=\"_ _128\"> </span>19.290<span class=\"_ _128\"> </span>Non performing<span class=\"_ _128\"> </span>20.957<span class=\"_ _128\"> </span>20.957<span class=\"_ _128\"> </span>Eventualobligo Brutto<span class=\"_ _128\"> </span>1.280.383<span class=\"ls0\"> </span>338.581<span class=\"ls0\"> </span>20.957<span class=\"ls0\"> </span>1.639.921<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span>-1.811<span class=\"_ _128\"> </span>-3.800<span class=\"_ _128\"> </span>-4.089<span class=\"_ _128\"> </span>-9.700<span class=\"_ _128\"> </span>Eventualobligo Netto<span class=\"_ _128\"> </span>1.278.572<span class=\"ls0\"> </span>334.781<span class=\"ls0\"> </span>16.868<span class=\"ls0\"> </span>1.630.221<span class=\"ls0\"> </span>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span>per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span>Stage 2<span class=\"_ _128\"> </span>Stage 3<span class=\"_ _128\"> </span>12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCI<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Sehr gut<span class=\"_ _128\"> </span>774.620<span class=\"_ _128\"> </span>18.479<span class=\"_ _128\"> </span>793.099<span class=\"_ _128\"> </span>Gut<span class=\"_ _128\"> </span>493.753<span class=\"_ _128\"> </span>72.366<span class=\"_ _128\"> </span>566.119<span class=\"_ _128\"> </span>Mangelhaft<span class=\"_ _128\"> </span>2.883<span class=\"_ _128\"> </span>27.495<span class=\"_ _128\"> </span>30.378<span class=\"_ _128\"> </span>Non performing<span class=\"_ _128\"> </span>11.473<span class=\"_ _128\"> </span>11.473<span class=\"_ _128\"> </span>Eventualobligo Brutto<span class=\"_ _128\"> </span>1.271.256<span class=\"ls0\"> </span>118.340<span class=\"ls0\"> </span>11.473<span class=\"ls0\"> </span>1.401.070<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span>-2.259<span class=\"_ _128\"> </span>-3.024<span class=\"_ _128\"> </span>-9.652<span class=\"_ _128\"> </span>-14.935<span class=\"_ _128\"> </span>Eventualobligo Netto<span class=\"_ _128\"> </span>1.268.998<span class=\"ls0\"> </span>115.316<span class=\"ls0\"> </span>1.821<span class=\"ls0\"> </span>1.386.135<span class=\"ls0\"> </span>Alle <span class=\"ff9\">finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e, die nicht unter die Kategorie \u201enon<span class=\"_ _1\"></span></span>-<span class=\"ff9\">performing\u201c fallen, sind nicht mehr als 90 Tage \u00fcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span></span>f\u00e4llig. Befinden sich die verbleibenden finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerte in Verzug, so werd<span class=\"_ _0\"></span>en die jeweiligen KundInnen mit ih-<span class=\"_ _128\"> </span>ren gesamten finanziellen Verm\u00f6gensw<span class=\"_ _0\"></span>erten in der nachstehenden Tab<span class=\"_ _0\"></span>elle als KundInnen in Verzug dargestellt.<span class=\"_ _0\"></span> per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>In Verzug seit<span class=\"_ _128\"> </span>Kredite und Forderungen<span class=\"_ _128\"> </span>Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span>Eventualverbindlichkeiten<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Unter 30 Tagen<span class=\"_ _128\"> </span>246.245<span class=\"_ _128\"> </span>5.822<span class=\"_ _128\"> </span>252.067<span class=\"_ _128\"> </span>Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span>10.566<span class=\"_ _128\"> </span>450<span class=\"ls0\"> </span>11.015<span class=\"_ _128\"> </span>Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span>1.155<span class=\"_ _128\"> </span>100<span class=\"ls0\"> </span>1.255<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>257.965<span class=\"ls0\"> </span>6.372<span class=\"ls0\"> </span>264.337<span class=\"ls0\"> </span>1) Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span>sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span>per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>In Verzug seit<span class=\"_ _128\"> </span>Kredite und Forderungen<span class=\"_ _128\"> </span>Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span>Eventualverbindlichkeiten<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Unter 30 Tagen<span class=\"_ _128\"> </span>194.936<span class=\"_ _128\"> </span>10.892<span class=\"_ _128\"> </span>205.828<span class=\"_ _128\"> </span>Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span>17.227<span class=\"_ _128\"> </span>386<span class=\"ls0\"> </span>17.613<span class=\"_ _128\"> </span>Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span>670<span class=\"ls0\"> </span>11<span class=\"ls0\"> </span>681<span class=\"ls0\"> </span>Gesamt<span class=\"_ _128\"> </span>212.833<span class=\"ls0\"> </span>11.290<span class=\"ls0\"> </span>224.122<span class=\"ls0\"> </span>1) Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span>sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span>Stundungen/Nachsicht (Forbearance)<span class=\"_ _0\"></span> Stundungen und<span class=\"_ _0\"></span> andere Zugest\u00e4ndn<span class=\"_ _0\"></span>isse an KreditnehmerInnen werden in Situationen gew\u00e4hrt<span class=\"_ _0\"></span>, in denen angenommen<span class=\"_ _128\"> </span>wird, dass die KreditnehmerInnen die Kreditb<span class=\"_ _0\"></span>edingungen aufgrund ihrer aktuellen finanziellen Situat<span class=\"_ _0\"></span>ion nicht erf\u00fcllen k\u00f6n-<span class=\"_ _128\"> </span>nen. Basierend au<span class=\"_ _0\"></span>f den Ursachen dieser Schwierigkeiten ent<span class=\"_ _0\"></span>scheidet die Oberban<span class=\"_ _0\"></span>k AG, die Kreditbedingungen derart zu<span class=\"_ _0\"></span> \u00e4n-<span class=\"_ _128\"> </span>dern, dass die KreditnehmerInnen gen\u00fc<span class=\"_ _0\"></span>gend Spielraum hab<span class=\"_ _0\"></span>en, die Schulden zu begleichen oder die Oberbank AG schuld<span class=\"_ _0\"></span>et<span class=\"_ _128\"> </span>zu diesem Zweck den Kredit (gan<span class=\"_ _0\"></span>z oder teilweise) um.<span class=\"_ _0\"></span> Vorab wird gepr\u00fc<span class=\"_ _0\"></span>ft, ob ein Ausfallstatbestand vorliegt. Ist dies der Fall, werd<span class=\"_ _0\"></span>en die KundInnen auf non<span class=\"_ _1\"></span>-performing gestellt<span class=\"_ _128\"> </span>und eine Risikovorsor<span class=\"_ _0\"></span>ge entsprechend der in Note 2.7) beschriebenen Met<span class=\"_ _0\"></span>hodik gebildet.<span class=\"_ _0\"></span> Liegt kein Ausfallstatbest<span class=\"_ _0\"></span>and vor und ergibt die eingehende Pr<span class=\"_ _0\"></span>\u00fcfung der wirtschaftlichen Lage, dass mit einer gew\u00e4h<span class=\"_ _0\"></span>rten<span class=\"_ _128\"> </span>Ma\u00dfnahme k\u00fcnftig d<span class=\"_ _0\"></span>ie finanziellen Verpflichtungen gesichert erf\u00fcllt<span class=\"_ _0\"></span> werden k\u00f6nnen, d\u00fcrfen eine Stundun<span class=\"_ _0\"></span>g oder andere Zu-<span class=\"_ _128\"> </span>gest\u00e4ndnisse gew\u00e4hrt w<span class=\"_ _0\"></span>erden. <span class=\"_ _7\"> </span> 118<span class=\"ls0\"> </span>Werden mit KundInn<span class=\"_ _0\"></span>en in Zahlungsschwierigkeiten Vereinb<span class=\"_ _0\"></span>arungen in einer Form getroffen, wie sie bei Neueinr\u00e4umun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span>\u00fcblicherweise nicht erfolgen, wird d<span class=\"_ _0\"></span>as betreffende Obligo mit Nachsicht gekennzeichnet.<span class=\"_ _0\"></span> Wurden Stundungen au<span class=\"_ _0\"></span>f Basis staatlich verf\u00fcgter Moratorien oder pr<span class=\"_ _0\"></span>ivater EBA<span class=\"_ _0\"></span>-konformer Moratorien gew\u00e4h<span class=\"_ _0\"></span>rt, wurden<span class=\"_ _128\"> </span>diese gem. <span class=\"ffd\">EBA Leitlinie zu gesetzlichen M<span class=\"_ _0\"></span>oratorien und Moratorien ohne Gesetzesform f\u00fcr Darlehens<span class=\"_ _0\"></span>zahlungen vor dem<span class=\"_ _128\"> </span></span>Hintergrund der COVID<span class=\"_ _0\"></span>-<span class=\"ls2\">19</span>-Krise<span class=\"ff4\"> grund<span class=\"_ _0\"></span>s\u00e4tzlich nicht als Nachsicht gekennzeichnet. In Einzelf\u00e4llen, insb<span class=\"_ _0\"></span>esondere bei wieder-<span class=\"_ _128\"> </span></span>holter, aktiver Inanspruchnah<span class=\"_ _0\"></span>me des Moratoriums durch den Kunden, wurde allerdings nach in<span class=\"_ _0\"></span>terner Pr\u00fcfung von dieser<span class=\"_ _128\"> </span>M\u00f6glichkeit nicht Gebrauch gemacht u<span class=\"_ _0\"></span>nd die Gesch\u00e4<span class=\"_ _0\"></span>fte wurden trotzdem mit Nachsicht gekenn<span class=\"_ _0\"></span>zeichnet.<span class=\"_ _128\"> </span>Das Monitoring von Stundungen erfo<span class=\"_ _0\"></span>lgt im Rahmen des 90<span class=\"_ _0\"></span>-Tage-Eskalationsp<span class=\"_ _0\"></span>rozesses. F\u00fchrt die Gew\u00e4hrung einer Stundung<span class=\"_ _128\"> </span>nicht zum gew\u00fcn<span class=\"_ _0\"></span>schten Ergebnis (Wiederaufnahme der vertragskonformen Bedienun<span class=\"_ _0\"></span>g des Kredit<span class=\"_ _0\"></span>s nach Stundung), wird<span class=\"_ _0\"></span> durch den 90-Tage-Eskalat<span class=\"_ _0\"></span>ionsprozess das Ratingsigel auf no<span class=\"_ _0\"></span>n-performin<span class=\"_ _0\"></span>g gestellt und bei Vorliegen einer Unterdeckung<span class=\"_ _128\"> </span>eine Risikovorsorge gebildet.<span class=\"_ _0\"></span> Ist bei einem bereits mit Nachsicht gekenn<span class=\"_ _0\"></span>zeichneten Obligo eine weitere Nachsichts<span class=\"_ _1\"></span>ma\u00dfnahme erforderlich, erfolgt eben-<span class=\"_ _128\"> </span>falls eine Umstellung auf non<span class=\"_ _0\"></span>-performing.<span class=\"_ _128\"> </span>Eine Verschleierung von not<span class=\"_ _0\"></span>leidenden Krediten durch die Gew\u00e4hrung von Stundungen o<span class=\"_ _0\"></span>der anderen Formen von Vertrags-<span class=\"_ _128\"> </span>zugest\u00e4ndnissen ist durch d<span class=\"_ _0\"></span>iese Vorgehensweise<span class=\"_ _0\"></span> ausgeschlossen.<span class=\"_ _128\"> </span>Di<span class=\"ls0\">e in der Berichtsperiode gew\u00e4hrten<span class=\"_ _0\"></span> Ma\u00dfnahmen sind in der nachstehend<span class=\"_ _0\"></span>en Tabelle dargestellt.<span class=\"_ _0\"></span> </span><table class=\"s w45f h215\" id=\"_b79f94b2-ac37-485f-96a2-7ed8082a292c\"><tr><td class=\"c x2c8 y1775 w460 h210\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stundungen/Nach-<span class=\"_ _128\"> </span></div></td><td class=\"c x37f y1775 w461 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Aus Kennzeich-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x380 y1775 w462 h210\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Neu als Stun-<span class=\"_ _128\"> </span></div></td><td class=\"c x381 y1775 w463 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">In der Berichts-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1776 w464 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sichtma\u00dfnahmen<span class=\"_ _128\"> </span></div></td><td class=\"c x382 y1776 w410 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td class=\"c x37f y1776 w465 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nung Nachsicht<span class=\"_ _128\"> </span></div></td><td class=\"c x383 y1776 w466 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckgang<span class=\"_ _128\"> </span></div></td><td class=\"c x384 y1776 w467 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">dungen/Nach-<span class=\"_ _128\"> </span></div></td><td class=\"c x385 y1776 w413 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td class=\"c x386 y1776 w468 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">periode verein-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1777 w270 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x387 y1777 w2f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x388 y1777 w469 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gesundet<span class=\"_ _128\"> </span></div></td><td class=\"c x38a y1777 w46a h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Volumen</div><div class=\"t m0 x389 hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x38b y1777 w46b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sicht betrachtet<span class=\"_ _128\"> </span></div></td><td class=\"c x38c y1777 w2f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x38d y1777 w46c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nahmte Zinsen<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1778 w1a5 h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Verl\u00e4ngerung Kredit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">laufzeit </div></td><td class=\"c x38e y1778 waf h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.008 </div></td><td class=\"c x38f y1778 we h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.425 </div></td><td class=\"c x390 y1778 w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.816 </div></td><td class=\"c x34b y1778 wf8 h3b\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">52.265 </div></td><td class=\"c x1e3 y1778 w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.031 </div></td><td class=\"c x30f y1778 w173 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.748 </div></td></tr><tr><td class=\"c x2c6 y1779 w1a5 h12\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stundung </div></td><td class=\"c x38e y1779 waf h12\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.384 </div></td><td class=\"c x38f y1779 we h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.406 </div></td><td class=\"c x390 y1779 w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.887 </div></td><td class=\"c x34b y1779 wf8 h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.442 </div></td><td class=\"c x1e3 y1779 w56 h12\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">208.533 </div></td><td class=\"c x30f y1779 w173 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.779 </div></td></tr><tr><td class=\"c x2c8 y177a w46d h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verzicht sonstige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y177b w46e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">vertragliche Rechte<span class=\"_ _128\"> </span></div></td><td class=\"c x38e y177c waf h3b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.399 </div></td><td class=\"c x38f y177c we h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">374<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177c w56 h3b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.735 </div></td><td class=\"c x34b y177c wf8 h3b\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.631 </div></td><td class=\"c x1e3 y177c w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.921 </div></td><td class=\"c x30f y177c w173 h3b\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">709<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y177d w1a5 hc\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umschuldung </div></td><td class=\"c x38e y177d waf hc\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.381 </div></td><td class=\"c x38f y177d we hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.122 </div></td><td class=\"c x390 y177d w56 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.011 </div></td><td class=\"c x34b y177d wf8 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.949 </div></td><td class=\"c x1e3 y177d w56 hc\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.197 </div></td><td class=\"c x30f y177d w173 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">806<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y177e w1a5 h2a\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x38e y177e waf h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">728<span class=\"ls0\"> </span></div></td><td class=\"c x38f y177e we h2a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">239<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177e w56 h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">231<span class=\"ls0\"> </span></div></td><td class=\"c x34b y177e wf8 h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">23<span class=\"ls0\"> </span></div></td><td class=\"c x1e3 y177e w56 h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x30f y177e w173 h2a\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x2c6 y177f w1a5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x38e y177f waf hc\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x38f y177f we hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">45.567<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177f w56 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">85.679<span class=\"ls0\"> </span></div></td><td class=\"c x34b y177f wf8 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">138.311<span class=\"ls0\"> </span></div></td><td class=\"c x1e3 y177f w56 hc\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x30f y177f w173 hc\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">13.050<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1780 w3 h3\"><div class=\"t m0 x3 h16 ya9b ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y24 ff4 fs4 fc2 sc0 ls0 ws0\"> wegen R\u00fcck<span class=\"_ _5\"></span>zahlungen, Tilgungen<span class=\"_ _5\"></span> </div><div class=\"t m0 x3 h5 ya9c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y39f ff4 fs2 fc2 sc0 ls0 ws0\">Das Volumen der von Stundungen u<span class=\"_ _0\"></span>nd anderen Nachsichtsma\u00dfnahmen b<span class=\"_ _0\"></span>etroffenen <span class=\"_ _0\"></span>Gesch\u00e4fte w<span class=\"_ _0\"></span>ird in der folgenden Tabelle </div><div class=\"t m0 x3 h5 y1f4 ff4 fs2 fc2 sc0 ls0 ws0\">nach Bonit\u00e4tsstufen au<span class=\"_ _0\"></span>fgeteilt und den getroffenen Risikovorsorgen sowie d<span class=\"_ _0\"></span>en Sicherheiten gegen\u00fcbergestellt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y1f5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w46f h216\" id=\"_703901f5-0722-4197-9490-76a02350380a\"><tr><td class=\"c x2c8 y1781 w44e h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x391 y1781 w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1782 w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y1783 w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y1783 w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y1782 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1784 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y1784 w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">125<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1784 w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y1784 w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">39<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1785 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y1785 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">128.780 </div></td><td class=\"c x393 y1785 w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">353<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1785 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.224 </div></td></tr><tr><td class=\"c x2c6 y1786 w1a6 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y1786 w19 h12\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">42.577 </div></td><td class=\"c x393 y1786 w17b h12\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">423<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1786 w1a3 h12\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.438 </div></td></tr><tr><td class=\"c x2c6 y1787 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1787 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.481 </div></td><td class=\"c x393 y1787 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.081 </div></td><td class=\"c x395 y1787 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.276 </div></td></tr><tr><td class=\"c x2c6 y1788 w1a6 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1788 w19 h12\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1788 w17b h12\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">48.858<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1788 w1a3 h12\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">166.976<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 y4e2 ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y8bf ff4 fs4 fc2 sc0 ls0 ws0\"> Die bei<span class=\"_ _5\"></span> den perfor<span class=\"_ _5\"></span>ming Kategorien dargest<span class=\"_ _5\"></span>ellten Ri<span class=\"_ _5\"></span>sikovorsorgen r<span class=\"_ _5\"></span>esultieren aus <span class=\"_ _5\"></span>den Risiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr ECL nach <span class=\"_ _5\"></span>IFRS 9. </div><div class=\"t m0 x3 h5 yaa2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y178a w44e h191\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x391 y178a w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y178b w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y178c w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y178c w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y178b w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y178d w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y178d w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">112<span class=\"ls0\"> </span></div></td><td class=\"c x393 y178d w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y178d w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y178e w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y178e w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.356 </div></td><td class=\"c x393 y178e w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">561<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178e w1a3 hc\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">114.120 </div></td></tr><tr><td class=\"c x2c6 y178f w1a6 h12\"><div class=\"t m0 x90 h5 yaa6 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y178f w19 h12\"><div class=\"t m0 xc0 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">41.982 </div></td><td class=\"c x393 y178f w17b h12\"><div class=\"t m0 x111 h5 y9d9 ff4 fs2 fc2 sc0 ls2 ws0\">438<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178f w1a3 h12\"><div class=\"t m0 x73 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">24.500 </div></td></tr><tr><td class=\"c x2c6 y1790 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1790 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.449 </div></td><td class=\"c x393 y1790 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.307 </div></td><td class=\"c x395 y1790 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.047 </div></td></tr><tr><td class=\"c x2c6 y1791 w1a6 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1791 w19 hc\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1791 w17b hc\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.308<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1791 w1a3 hc\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">207.765<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 yaa9 ff4 fs6 fc2 sc0 ls0 ws0\">1) </div><div class=\"t m0 x31 h17 yaaa ff4 fs4 fc2 sc0 ls0 ws0\">Die bei d<span class=\"_ _5\"></span>en perfor<span class=\"_ _5\"></span>ming Kategorien dar<span class=\"_ _5\"></span>gestellt<span class=\"_ _5\"></span>en Risikovor<span class=\"_ _5\"></span>sorgen resultiere<span class=\"_ _5\"></span>n aus den R<span class=\"_ _5\"></span>isikovorsorgen <span class=\"_ _5\"></span>f\u00fcr ECL nach IFRS 9. <span class=\"_ _7\"> </span> </div></td><td></td><td></td><td></td></tr></table>Nachhaltigkeitsrisiko als integrierter Bestandteil des<span class=\"_ _0\"></span> Kreditrisikos<span class=\"_ _0\"></span> Das Thema Nachhaltigkeit ist aus Sicht d<span class=\"_ _0\"></span>er Oberbank AG auch untrennbar mit dem Man<span class=\"_ _0\"></span>agemen<span class=\"_ _0\"></span>t der Kreditrisiken einer<span class=\"_ _128\"> </span>Bank verbunden<span class=\"_ _0\"></span>. Nachhaltigkeitsrisiken k\u00f6nnen erhebliche negative Ausw<span class=\"_ _0\"></span>irkungen auf die KreditnehmerInnen der Oberbank<span class=\"_ _128\"> </span>AG und damit in der Folge auf das Kred<span class=\"_ _0\"></span>itrisiko haben. Unter klimabedingte Nachh<span class=\"_ _0\"></span>altigkeitsrisiken fallen zum ein<span class=\"_ _0\"></span>en ph<span class=\"_ _0\"></span>ysische<span class=\"_ _128\"> </span>Risiken wie extreme Wetterereignisse, welche durch d<span class=\"_ _0\"></span>en Klimawandel beg\u00fcnstigt werden und<span class=\"_ _0\"></span> schwere (auch finanzielle)<span class=\"_ _128\"> </span>Sch\u00e4den anrichten<span class=\"_ _0\"></span> k\u00f6nnen. Auch k\u00f6nnen klimabedingte Katastroph<span class=\"_ _0\"></span>en beispielsweise Lieferketten unterbrechen oder Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsmodelle aufgru<span class=\"_ _0\"></span>nd ge\u00e4nderter Umweltbedingungen zerst\u00f6ren. Weiters k\u00f6nn<span class=\"_ _0\"></span>ten k\u00fcnftig Unternehmen vermehrt f\u00fcr<span class=\"_ _128\"> </span>Klima-sch\u00e4dliches Verhalten zur<span class=\"_ _0\"></span> Verantwortung gezogen werden, was zu s<span class=\"_ _0\"></span>chwerwiegenden finanziellen Folgen f\u00fcr die be-<span class=\"_ _128\"> </span>troffenen Unterneh<span class=\"_ _0\"></span>men f\u00fchren kann. Ein wei<span class=\"_ _0\"></span>terer Aspekt besteht darin, dass Unternehmen dur<span class=\"_ _0\"></span>ch klimabedingte Transiti-<span class=\"_ _128\"> </span>onsrisiken schwer betroffen sein k\u00f6nnen. <span class=\"_ _0\"></span>\u00c4nderungen in Politik (z. B. CO2<span class=\"_ _0\"></span>-Steuern) od<span class=\"_ _0\"></span>er Technologiever\u00e4nderungen (z. <span class=\"_ _0\"></span>B.<span class=\"_ _128\"> </span>Elektromobilit\u00e4t) k\u00f6nnen zur Gefahr f\u00fcr<span class=\"_ _0\"></span> nicht angepasste Untern<span class=\"_ _0\"></span>ehmen w<span class=\"_ _0\"></span>erden. Das steigende Bewusstsein f\u00fcr Klimaschutz<span class=\"_ _128\"> </span>und sich \u00e4ndernde gesellschaftliche E<span class=\"_ _0\"></span>rwartungen f\u00fchr<span class=\"_ _0\"></span>en m\u00f6glicherweise zu einer erheblichen Ver\u00e4nderung des Kon<span class=\"_ _0\"></span>sumver-<span class=\"_ _128\"> </span>haltens. Auch Nachhalt<span class=\"_ _0\"></span>igkeitsrisiken in den Bereichen Soziales und<span class=\"_ _0\"></span> Unternehmensf\u00fchru<span class=\"_ _0\"></span>ng k\u00f6nnen negat<span class=\"_ _0\"></span>ive Auswirkungen<span class=\"_ _128\"> </span>auf Verm\u00f6gens-, Finan<span class=\"_ _0\"></span>z und Ertragslage eines Unternehmens haben<span class=\"_ _0\"></span>. So k\u00f6nnen zum Beispiel schlagend werd<span class=\"_ _0\"></span>ende Reputati-<span class=\"_ _128\"> </span>onsrisiken den V<span class=\"_ _0\"></span>erkauf der produzierten Produkte behindern. Es liegt dah<span class=\"_ _0\"></span>er auf der Hand, dass die Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _1\"></span> den Nach-<span class=\"_ _128\"> </span>haltigkeitsrisiken bei der Steuerun<span class=\"_ _0\"></span>g des Kreditgesch\u00e4ftes gro\u00dfe Beachtung schen<span class=\"_ _0\"></span>kt. Aus diesem Grund wurden in den letzten<span class=\"_ _128\"> </span>Jahren wesentliche Ver\u00e4nderu<span class=\"_ _0\"></span>ngen im Kredit- u<span class=\"_ _0\"></span>nd Ratingprozess der Oberbank AG <span class=\"_ _0\"></span>vorgenommen, um die Transparenz und<span class=\"_ _128\"> </span>Steuerung d<span class=\"_ _0\"></span>er Nachhaltigkeitsrisiken zu verbessern.  Bei der Bonit\u00e4tseinstu<span class=\"_ _0\"></span>fung unserer KundInnen flie\u00dfen Nachhaltigkeitsrisiken bei der Beurt<span class=\"_ _0\"></span>eilung ESG<span class=\"_ _0\"></span>-relevanter Softfact<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span>(Gesch\u00e4ftsmodell, Abh<span class=\"_ _0\"></span>\u00e4ngigkeit externer Faktoren) in das Kundenratin<span class=\"_ _0\"></span>g ein. Die im 2. Halbjah<span class=\"_ _0\"></span>r 2021 neu eingef\u00fchrten<span class=\"_ _0\"></span> sechs<span class=\"_ _128\"> </span>ESG-Softfacts dienen zu<span class=\"_ _0\"></span>r systematischeren Beurteilung d<span class=\"_ _0\"></span>er Risiken des bestehenden Gesch\u00e4ftsmodells und zu<span class=\"_ _0\"></span>r Datensamm-<span class=\"_ _128\"> </span>lung f\u00fcr die drei Bereiche E (Environ<span class=\"_ _0\"></span>ment), S (Social) und G (Governan<span class=\"_ _0\"></span>ce).<span class=\"_ _128\"> </span>Die Ber\u00fccksichtigung von<span class=\"_ _0\"></span> ESG-Risiken im Kreditentscheidun<span class=\"_ _0\"></span>gsprozess wurde durch die Ein<span class=\"_ _0\"></span>f\u00fchrung des Climecycle-T<span class=\"_ _0\"></span>ools weit-<span class=\"_ _128\"> </span>gehend automatisiert. D<span class=\"_ _0\"></span>as von der KPMG entwickelte Tool ermittelt f\u00fcr alle Kreditkunden der Oberban<span class=\"_ _0\"></span>k AG ein Nachhaltig-<span class=\"_ _128\"> </span>keits-Scoring, welches unmitt<span class=\"_ _0\"></span>elbar in die Kreditentsch<span class=\"_ _0\"></span>eidung einflie\u00dft. Im Rahmen der Gesamtb<span class=\"_ _0\"></span>ankrisikosteuerung werden die Nachhaltigkeitsrisiken im Kreditportefeuille der Oberban<span class=\"_ _0\"></span>k AG min-<span class=\"_ _128\"> </span>destens zweimal pro Jahr evalu<span class=\"_ _0\"></span>iert in Form einer Nachhaltigkeitsrisiko<span class=\"_ _0\"></span>-Heatmap dargestellt. Die Heatmap wird im A<span class=\"_ _0\"></span>ktiv<span class=\"_ _0\"></span>-<span class=\"ls7\">Pas-<span class=\"_ _128\"> </span></span>s<span class=\"ls1d\">iv</span>-Management Gr<span class=\"_ _0\"></span>emium der Bank, das vom Risikovorstand der Bank geleitet w<span class=\"_ _0\"></span>ird, pr\u00e4sentiert. Dar\u00fcber hinaus wird sie<span class=\"_ _128\"> </span>auch dem Aufsichtsrat<span class=\"_ _0\"></span> im Risikoausschuss vorgelegt.<span class=\"_ _128\"> </span>Bei der Risikoeinstufun<span class=\"_ _0\"></span>g wurden sowohl Klima-, a<span class=\"_ _0\"></span>ls auch Sozial- und<span class=\"_ _0\"></span> Governance-Risiken ber\u00fccksichtigt, w<span class=\"_ _0\"></span>obei die Klimarisiken den gr\u00f6\u00dften<span class=\"_ _0\"></span> Einfluss auf die Gesamtrisikobewertung hab<span class=\"_ _0\"></span>en. F\u00fcr die Bewertung wurden qualitative und <span class=\"_ _1\"></span> quantitative Information<span class=\"_ _0\"></span>en aus externen und \u00f6ffentlich verf\u00fcgbaren Datenquellen (wie beisp<span class=\"_ _0\"></span>ielsweise EUROSTAT, SASB<span class=\"_ _128\"> </span>(S<span class=\"ff9 ls0\">ustainability Account<span class=\"_ _0\"></span>ing Standards Board), FIRST (\u201eFinancial Inst<span class=\"_ _0\"></span>itutions: Resources, Solutions and Tools\u201c), <span class=\"_ _0\"></span>EU<span class=\"_ _0\"></span><span class=\"ff4\">-Kommission<span class=\"_ _128\"> </span></span></span>(Art. 8 &amp; 9 Taxono<span class=\"_ _0\"></span>my Technical Annex) sowie Weltbank (Thin<span class=\"_ _0\"></span>kHazard!)) verwendet. So kann die sektorale un<span class=\"_ _0\"></span>d regionale Risi-<span class=\"_ _128\"> </span>koexposition un<span class=\"_ _0\"></span>serer KundInnen im Hinblick auf die physischen Risiken (direkt<span class=\"_ _0\"></span>e Folgen des Klimawandels wie z.B. vermehrt<span class=\"_ _0\"></span> auftretende Naturkatastroph<span class=\"_ _0\"></span>en) und auf die Transitionsrisiken (Risiken, die du<span class=\"_ _0\"></span>rch den Anpassungsprozess au<span class=\"_ _0\"></span>f eine klima-<span class=\"_ _128\"> </span>neutrale Wirtschaft und Gesellsch<span class=\"_ _0\"></span>aft entsteh<span class=\"_ _0\"></span>en wie z. B. Preisanstiege durch CO2<span class=\"_ _0\"></span>-Steuern) eingesch\u00e4tzt w<span class=\"_ _0\"></span>erden. In folgen-<span class=\"_ _128\"> </span>der Grafik wird der Zusammenhang zwischen<span class=\"_ _0\"></span> H\u00f6he des Nachhaltigkeitsrisikos und Sekto<span class=\"_ _0\"></span>r im Kreditportfolio der Oberban<span class=\"_ _0\"></span>k<span class=\"_ _128\"> </span>AG dargestellt. Die L\u00e4nge der Balken beschreibt<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>as durchschnittliche volumensgewichtete Risiko. D<span class=\"_ _0\"></span>ie Schwankungsbreite<span class=\"_ _128\"> </span>des Risikos innerhalb eines Sektors (M<span class=\"_ _0\"></span>inimum/Maximum), die sich durch d<span class=\"_ _0\"></span>ie regionalen Unterschiede und die Subbran<span class=\"_ _0\"></span>chen<span class=\"_ _128\"> </span>ergibt, wird durch die schwarzen Balken d<span class=\"_ _0\"></span>argestellt. <span class=\"_ _7\"> </span> Nachhaltigkeitsrisiko im Kreditportfolio der Ober<span class=\"_ _0\"></span>bank AG<span class=\"_ _128\"> </span>Insgesamt ist das Kreditport<span class=\"_ _0\"></span>folio der Oberbank AG nur unterdurchschnittlichen Nachh<span class=\"_ _0\"></span>altigkeitsrisiken ausgesetzt. Bei den<span class=\"_ _128\"> </span>physischen Risiken erkl\u00e4rt sich dies dur<span class=\"_ _0\"></span>ch unser regionales Gesch\u00e4ftsmodell in Zentr<span class=\"_ _0\"></span>aleuropa; bei den Transitionsrisiken<span class=\"_ _128\"> </span>dadurch, dass d<span class=\"_ _0\"></span>er Anteil der st\u00e4rker betroffenen Branchen und Sektoren im Gesamtkred<span class=\"_ _0\"></span>itvolumen in der Oberbank AG un-<span class=\"_ _128\"> </span>terrepr\u00e4sentiert ist.<span class=\"_ _128\"> </span>Verteilung des Forderungsvolumens der Oberbank AG nach I<span class=\"_ _0\"></span>nstituts-<span class=\"_ _0\"></span>intern definierten ESG<span class=\"_ _0\"></span>-Risikoklassen<span class=\"_ _128\"> </span>Nachhaltigkeitsrisiko-<span class=\"ls35\">He</span>atmap der Oberbank AG<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Unsere Nachhaltigkeitsrisiko<span class=\"_ _0\"></span>-Heatmap veransch<span class=\"_ _0\"></span>aulicht die Nachhaltigkeitsrisiken, denen die Oberbank A<span class=\"_ _0\"></span>G in den einzelnen<span class=\"_ _128\"> </span>Regionen bzw. Sektoren (lt<span class=\"_ _0\"></span>. NACE Codes) ausgesetzt ist. Die Regionen umfassen die Niederlassun<span class=\"_ _0\"></span>gsl\u00e4nder der Ober<span class=\"_ _1\"></span>bank AG,<span class=\"_ _128\"> </span>sowie eine Restposition, d<span class=\"_ _0\"></span>ie sich zu einem gro\u00dfen Teil aus den f\u00fcr die Liquid<span class=\"_ _0\"></span>it\u00e4tssteuerung notwendigen hochliquiden A<span class=\"_ _0\"></span>kti-<span class=\"_ _128\"> </span>ven zusammensetzt. Die Farb<span class=\"_ _0\"></span>e der Punkte in der Heatmap stellt die Risikoeinstu<span class=\"_ _0\"></span>fung dar, die Gr\u00f6\u00dfe der Punkte die H\u00f6he des<span class=\"_ _128\"> </span>Exposures der Oberb<span class=\"_ _0\"></span>ank AG in diesem Bereich.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-425": {
   "value": "Bilanzierung von Sich<span class=\"_ _0\"></span>erungsgesch\u00e4ften<span class=\"_ _128\"> </span> Derzeit wird kein Hedge Account<span class=\"_ _0\"></span>ing in der Oberbank AG durchgef\u00fchrt<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-395": {
   "value": "Bilanzierung von Sich<span class=\"_ _0\"></span>erungsgesch\u00e4ften<span class=\"_ _128\"> </span> Derzeit wird kein Hedge Account<span class=\"_ _0\"></span>ing in der Oberbank AG durchgef\u00fchrt<span class=\"_ _128\"> </span>Derivate<span class=\"_ _128\"> </span> Finanzderivate werden in d<span class=\"_ _0\"></span>er Bilanz mit ihrem Fair Value angesetzt, w<span class=\"_ _0\"></span>obei Wert\u00e4nderungen des Gesch\u00e4ftsjah<span class=\"_ _1\"></span>res grunds\u00e4tz-<span class=\"_ _128\"> </span>lich sofort erfolgswirksa<span class=\"_ _0\"></span>m in der Gewinn- und<span class=\"_ _0\"></span> Verlust-Rechnung erfasst werden. Soweit die Fair<span class=\"_ _0\"></span>-Value-Option gem\u00e4\u00df IFRS 9<span class=\"_ _128\"> </span> in Anspruch genommen w<span class=\"_ _0\"></span>ird, dient sie der Vermeidung bzw. der Beseitigung von Inkongru<span class=\"_ _0\"></span>enzen beim Ansatz und bei der <span class=\"_ _1\"></span> Bewertung von V<span class=\"_ _0\"></span>erm\u00f6genswerten und Verbindlichkeiten. Dementsprechend<span class=\"_ _0\"></span> werden in diesem Fall Verm\u00f6genswerte und<span class=\"_ _128\"> </span> Verbindlichkeiten erfolgswirksam mit d<span class=\"_ _0\"></span>em Fair Value bewertet. Der Vorstand h<span class=\"_ _0\"></span>at eine Investmentstrategie beschlossen, in<span class=\"_ _128\"> </span> der diese Vorgangsweise festgeha<span class=\"_ _0\"></span>lten wurde, n\u00e4mlich Inkon<span class=\"_ _0\"></span>gruenzen durch die Anwendung der Fair<span class=\"_ _0\"></span>-Value-Option zu<span class=\"_ _0\"></span> ver-<span class=\"_ _128\"> </span>meiden.<span class=\"_ _128\"> </span> Handelspassiva<span class=\"_ _128\"> </span> In diesem Posten w<span class=\"_ _0\"></span>erden insbesondere negative Marktwerte aus derivativen Finan<span class=\"_ _0\"></span>zinstru<span class=\"_ _0\"></span>menten des Hand<span class=\"_ _0\"></span>elsbuchs und aus<span class=\"_ _128\"> </span> offenen derivativen Finanzinst<span class=\"_ _0\"></span>rumenten des Bankbuchs ausgewiesen. Die Hand<span class=\"_ _0\"></span>elspassiva werden im Bilanzpost<span class=\"_ _0\"></span>en Sonstige<span class=\"_ _128\"> </span> Passiva ausgewiesen",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-490": {
   "value": "Zinsergebnis<span class=\"_ _128\"> </span> Zinsertr\u00e4ge und <span class=\"_ _0\"></span>-aufwendungen werden periodengerecht abgegrenzt. Im Zin<span class=\"_ _0\"></span>sergebnis sind Ertr\u00e4ge und A<span class=\"_ _0\"></span>ufwendungen, die<span class=\"_ _128\"> </span> ein Entgelt f\u00fcr die \u00dcberlassun<span class=\"_ _0\"></span>g von Kapital darstellen, enthalten. Dar\u00fcber hinaus sind in diesem<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Posten auch die Ertr\u00e4ge au<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> Aktien und anderen Anteilsrechten<span class=\"_ _0\"></span> und sonstigen nicht festverzinslichen Wertpapieren en<span class=\"_ _0\"></span>thalten, sofern es sich nicht u<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span> Ertr\u00e4ge aus Wertpapieren handelt, die den Han<span class=\"_ _0\"></span>delsaktiva zuzurechnen sind. A<span class=\"_ _0\"></span>uch Ertr\u00e4ge aus Beteiligungen un<span class=\"_ _1\"></span>d aus Antei-<span class=\"_ _128\"> </span>len an verbunden<span class=\"_ _0\"></span>en Unternehmen (soweit wegen untergeordneter Bedeut<span class=\"_ _0\"></span>ung nicht konsolidiert) werden in diesem Post<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> ausgewiesen. Sowohl in<span class=\"_ _0\"></span> den Zinsertr\u00e4gen als auch in den Zinsaufwendungen sind<span class=\"_ _0\"></span> negative Zinsen enthalten<span class=\"_ _128\"> </span>Ergebnis aus at Equity bew<span class=\"_ _0\"></span>erteten Unternehm<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> Die Position beinhaltet die Ertr\u00e4ge aus an<span class=\"_ _0\"></span>teiligen Ergebnissen aus den at Equit<span class=\"_ _0\"></span>y einbezogenen Unternehmen sowie <span class=\"_ _0\"></span> gegebenenfalls Aufwendun<span class=\"_ _0\"></span>gen aus Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-485": {
   "value": "Zinsergebnis<span class=\"_ _128\"> </span> Zinsertr\u00e4ge und <span class=\"_ _0\"></span>-aufwendungen werden periodengerecht abgegrenzt. Im Zin<span class=\"_ _0\"></span>sergebnis sind Ertr\u00e4ge und A<span class=\"_ _0\"></span>ufwendungen, die<span class=\"_ _128\"> </span> ein Entgelt f\u00fcr die \u00dcberlassun<span class=\"_ _0\"></span>g von Kapital darstellen, enthalten. Dar\u00fcber hinaus sind in diesem<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Posten auch die Ertr\u00e4ge au<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> Aktien und anderen Anteilsrechten<span class=\"_ _0\"></span> und sonstigen nicht festverzinslichen Wertpapieren en<span class=\"_ _0\"></span>thalten, sofern es sich nicht u<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span> Ertr\u00e4ge aus Wertpapieren handelt, die den Han<span class=\"_ _0\"></span>delsaktiva zuzurechnen sind. A<span class=\"_ _0\"></span>uch Ertr\u00e4ge aus Beteiligungen un<span class=\"_ _1\"></span>d aus Antei-<span class=\"_ _128\"> </span>len an verbunden<span class=\"_ _0\"></span>en Unternehmen (soweit wegen untergeordneter Bedeut<span class=\"_ _0\"></span>ung nicht konsolidiert) werden in diesem Post<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> ausgewiesen. Sowohl in<span class=\"_ _0\"></span> den Zinsertr\u00e4gen als auch in den Zinsaufwendungen sind<span class=\"_ _0\"></span> negative Zinsen enthalten<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Ergebnis aus at Equity bew<span class=\"_ _0\"></span>erteten Unternehm<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> Die Position beinhaltet die Ertr\u00e4ge aus an<span class=\"_ _0\"></span>teiligen Ergebnissen aus den at Equit<span class=\"_ _0\"></span>y einbezogenen Unternehmen sowie <span class=\"_ _0\"></span> gegebenenfalls Aufwendun<span class=\"_ _0\"></span>gen aus Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "Zinsergebnis<span class=\"_ _128\"> </span> Zinsertr\u00e4ge und <span class=\"_ _0\"></span>-aufwendungen werden periodengerecht abgegrenzt. Im Zin<span class=\"_ _0\"></span>sergebnis sind Ertr\u00e4ge und A<span class=\"_ _0\"></span>ufwendungen, die<span class=\"_ _128\"> </span> ein Entgelt f\u00fcr die \u00dcberlassun<span class=\"_ _0\"></span>g von Kapital darstellen, enthalten. Dar\u00fcber hinaus sind in diesem<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Posten auch die Ertr\u00e4ge au<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> Aktien und anderen Anteilsrechten<span class=\"_ _0\"></span> und sonstigen nicht festverzinslichen Wertpapieren en<span class=\"_ _0\"></span>thalten, sofern es sich nicht u<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span> Ertr\u00e4ge aus Wertpapieren handelt, die den Han<span class=\"_ _0\"></span>delsaktiva zuzurechnen sind. A<span class=\"_ _0\"></span>uch Ertr\u00e4ge aus Beteiligungen un<span class=\"_ _1\"></span>d aus Antei-<span class=\"_ _128\"> </span>len an verbunden<span class=\"_ _0\"></span>en Unternehmen (soweit wegen untergeordneter Bedeut<span class=\"_ _0\"></span>ung nicht konsolidiert) werden in diesem Post<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> ausgewiesen. Sowohl in<span class=\"_ _0\"></span> den Zinsertr\u00e4gen als auch in den Zinsaufwendungen sind<span class=\"_ _0\"></span> negative Zinsen enthalten<span class=\"_ _128\"> </span>.<span class=\"_ _0\"></span> Risikovorsorgen im Kreditgesch<span class=\"_ _0\"></span>\u00e4ft<span class=\"_ _128\"> </span> Der Posten Risikovorsorgen im Kredit<span class=\"_ _0\"></span>gesch\u00e4ft beinhaltet Zuf\u00fchrungen zu Wertbericht<span class=\"_ _0\"></span>igungen und R\u00fcckstellungen bzw<span class=\"_ _0\"></span>. Er-<span class=\"_ _128\"> </span>tr\u00e4ge aus der Aufl\u00f6sung von Wert<span class=\"_ _0\"></span>berichtigungen und R\u00fcckstellungen, Direktabschr<span class=\"_ _0\"></span>eibungen, nachtr\u00e4gliche Eing\u00e4nge bereits<span class=\"_ _128\"> </span> ausgebuchter Forderun<span class=\"_ _0\"></span>gen im Zusammenhang mit<span class=\"_ _0\"></span> dem Kreditgesch\u00e4ft sowie das Er<span class=\"_ _0\"></span>gebnis aus nicht signifikanten <span class=\"_ _0\"></span> Modifikationen und POCI Finanzinst<span class=\"_ _0\"></span>rumenten.<span class=\"_ _128\"> </span>Verwaltungsaufwan<span class=\"_ _0\"></span>d<span class=\"_ _128\"> </span> Im Verwaltungsaufwand w<span class=\"_ _0\"></span>erden Person<span class=\"_ _0\"></span>al- und Sachaufwendungen sowie plan<span class=\"_ _0\"></span>m\u00e4\u00dfige Abschreibungen auf d<span class=\"_ _0\"></span>as  Sachanlageverm\u00f6gen ausgewiesen. Im Perso<span class=\"_ _0\"></span>nalaufwand werden insb<span class=\"_ _0\"></span>esondere Aufwendungen f\u00fcr L\u00f6hne und G<span class=\"_ _0\"></span>eh\u00e4lter, <span class=\"_ _0\"></span> gesetzliche und freiwillige Sozialaufw<span class=\"_ _0\"></span>endungen sowie die Ver\u00e4nderungen der A<span class=\"_ _0\"></span>b<span class=\"_ _0\"></span>fertigungs-, Pensions- u<span class=\"_ _0\"></span>nd Jubil\u00e4umsgeld-<span class=\"_ _128\"> </span> r\u00fcckstellungen erfasst<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-397": {
   "value": "Zinsergebnis<span class=\"_ _128\"> </span> Zinsertr\u00e4ge und <span class=\"_ _0\"></span>-aufwendungen werden periodengerecht abgegrenzt. Im Zin<span class=\"_ _0\"></span>sergebnis sind Ertr\u00e4ge und A<span class=\"_ _0\"></span>ufwendungen, die<span class=\"_ _128\"> </span> ein Entgelt f\u00fcr die \u00dcberlassun<span class=\"_ _0\"></span>g von Kapital darstellen, enthalten. Dar\u00fcber hinaus sind in diesem<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Posten auch die Ertr\u00e4ge au<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> Aktien und anderen Anteilsrechten<span class=\"_ _0\"></span> und sonstigen nicht festverzinslichen Wertpapieren en<span class=\"_ _0\"></span>thalten, sofern es sich nicht u<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span> Ertr\u00e4ge aus Wertpapieren handelt, die den Han<span class=\"_ _0\"></span>delsaktiva zuzurechnen sind. A<span class=\"_ _0\"></span>uch Ertr\u00e4ge aus Beteiligungen un<span class=\"_ _1\"></span>d aus Antei-<span class=\"_ _128\"> </span>len an verbunden<span class=\"_ _0\"></span>en Unternehmen (soweit wegen untergeordneter Bedeut<span class=\"_ _0\"></span>ung nicht konsolidiert) werden in diesem Post<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> ausgewiesen. Sowohl in<span class=\"_ _0\"></span> den Zinsertr\u00e4gen als auch in den Zinsaufwendungen sind<span class=\"_ _0\"></span> negative Zinsen enthalten<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-486": {
   "value": "Provisionsergebnis<span class=\"_ _128\"> </span> Das Provisionsergebnis ist<span class=\"_ _0\"></span> der Saldo aus den Ertr\u00e4gen und den Aufwendungen a<span class=\"_ _0\"></span>us dem Dienstleistungsgesch\u00e4<span class=\"_ _0\"></span>ft<span class=\"_ _0\"></span>.  Handelsergebnis<span class=\"_ _128\"> </span> Dieser Posten beinhaltet G<span class=\"_ _0\"></span>ewinne und Verluste aus Verk\u00e4ufen von Wert<span class=\"_ _0\"></span>papieren und sonstigen Finanzinstrumenten<span class=\"_ _0\"></span> des <span class=\"_ _0\"></span> Handelsbestand<span class=\"_ _0\"></span>s, Bewertungsgewinne und -verlust<span class=\"_ _0\"></span>e aus der Marktbewertung von Wertpapieren und<span class=\"_ _0\"></span> sonstigen Finanz<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> instrumenten d<span class=\"_ _0\"></span>es Handelsbestands, St\u00fcckzinsen von festverzinslichen Wertp<span class=\"_ _0\"></span>apieren des Handelsbestan<span class=\"_ _0\"></span>ds und Dividenden<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>ertr\u00e4ge von Aktien im Hand<span class=\"_ _0\"></span>elsbestand sowie die Refinanzierungsaufwendungen f\u00fc<span class=\"_ _0\"></span>r diese Wertpapiere.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-398": {
   "value": "Provisionsergebnis<span class=\"_ _128\"> </span> Das Provisionsergebnis ist<span class=\"_ _0\"></span> der Saldo aus den Ertr\u00e4gen und den Aufwendungen a<span class=\"_ _0\"></span>us dem Dienstleistungsgesch\u00e4<span class=\"_ _0\"></span>ft<span class=\"_ _0\"></span>.  ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-396": {
   "value": "Handelsergebnis<span class=\"_ _128\"> </span> Dieser Posten beinhaltet G<span class=\"_ _0\"></span>ewinne und Verluste aus Verk\u00e4ufen von Wert<span class=\"_ _0\"></span>papieren und sonstigen Finanzinstrumenten<span class=\"_ _0\"></span> des <span class=\"_ _0\"></span> Handelsbestand<span class=\"_ _0\"></span>s, Bewertungsgewinne und -verlust<span class=\"_ _0\"></span>e aus der Marktbewertung von Wertpapieren und<span class=\"_ _0\"></span> sonstigen Finanz<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span> instrumenten d<span class=\"_ _0\"></span>es Handelsbestands, St\u00fcckzinsen von festverzinslichen Wertp<span class=\"_ _0\"></span>apieren des Handelsbestan<span class=\"_ _0\"></span>ds und Dividenden<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>ertr\u00e4ge von Aktien im Hand<span class=\"_ _0\"></span>elsbestand sowie die Refinanzierungsaufwendungen f\u00fc<span class=\"_ _0\"></span>r diese Wertpapiere.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-399": {
   "value": "Barreserve<span class=\"_ _128\"> </span>Als Barreserve werd<span class=\"_ _0\"></span>en der Kassenbestand und Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken ausgewiesen.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-444": {
   "value": "Immaterielles Anlageverm\u00f6<span class=\"_ _0\"></span>gen und Sachanlageverm\u00f6gen<span class=\"_ _0\"></span> Die Position Immaterielle Anlageverm\u00f6genswert<span class=\"_ _0\"></span>e umfasst insbesondere Patente, Lizenzen, Softw<span class=\"_ _0\"></span>are, Kundenstock und<span class=\"_ _128\"> </span> Rechte sowie erworb<span class=\"_ _0\"></span>ene Gesch\u00e4fts- oder Firmenwerte. Die Bewertung erfolgt zu<span class=\"_ _0\"></span> Anschaffungs- b<span class=\"_ _0\"></span>zw. Herstellungskos<span class=\"_ _0\"></span>ten,<span class=\"_ _128\"> </span> vermindert um planm\u00e4\u00df<span class=\"_ _0\"></span>ige und au\u00dferplanm\u00e4\u00dfige Abschreibungen. Die planm\u00e4\u00dfige Ab<span class=\"_ _0\"></span>schreibung erfolgt linear auf Basis der <span class=\"_ _1\"></span> gesch\u00e4tzten Nutzun<span class=\"_ _0\"></span>gsdauer. Die Nutzungsdauer f\u00fcr immaterielles Anlageverm\u00f6gen betr\u00e4gt<span class=\"_ _0\"></span> in der Oberbank AG drei bis 20<span class=\"_ _128\"> </span> Jahre.  ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-445": {
   "value": "Als Finanzinvestit<span class=\"_ _0\"></span>ionen gehalten<span class=\"_ _0\"></span>e Immobilien werden zu<span class=\"_ _0\"></span> fortgef\u00fchrten An-<span class=\"_ _128\"> </span>schaffungskosten bilanziert. <span class=\"_ _0\"></span>Die Leasingertr\u00e4ge werden im sonstigen betrieblichen Er<span class=\"_ _0\"></span>folg ausgewiesen",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-446": {
   "value": "Derivate<span class=\"_ _128\"> </span> Finanzderivate werden in d<span class=\"_ _0\"></span>er Bilanz mit ihrem Fair Value angesetzt, w<span class=\"_ _0\"></span>obei Wert\u00e4nderungen des Gesch\u00e4ftsjah<span class=\"_ _1\"></span>res grunds\u00e4tz-<span class=\"_ _128\"> </span>lich sofort erfolgswirksa<span class=\"_ _0\"></span>m in der Gewinn- und<span class=\"_ _0\"></span> Verlust-Rechnung erfasst werden. Soweit die Fair<span class=\"_ _0\"></span>-Value-Option gem\u00e4\u00df IFRS 9<span class=\"_ _128\"> </span> in Anspruch genommen w<span class=\"_ _0\"></span>ird, dient sie der Vermeidung bzw. der Beseitigung von Inkongru<span class=\"_ _0\"></span>enzen beim Ansatz und bei der <span class=\"_ _1\"></span> Bewertung von V<span class=\"_ _0\"></span>erm\u00f6genswerten und Verbindlichkeiten. Dementsprechend<span class=\"_ _0\"></span> werden in diesem Fall Verm\u00f6genswerte und<span class=\"_ _128\"> </span> Verbindlichkeiten erfolgswirksam mit d<span class=\"_ _0\"></span>em Fair Value bewertet. Der Vorstand h<span class=\"_ _0\"></span>at eine Investmentstrategie beschlossen, in<span class=\"_ _128\"> </span> der diese Vorgangsweise festgeha<span class=\"_ _0\"></span>lten wurde, n\u00e4mlich Inkon<span class=\"_ _0\"></span>gruenzen durch die Anwendung der Fair<span class=\"_ _0\"></span>-Value-Option zu<span class=\"_ _0\"></span> ver-<span class=\"_ _128\"> </span>meiden.<span class=\"_ _128\"> </span>Handelspassiva<span class=\"_ _128\"> </span>In diesem Posten w<span class=\"_ _0\"></span>erden insbesondere negative Marktwerte aus derivativen Finan<span class=\"_ _0\"></span>zinstru<span class=\"_ _0\"></span>menten des Hand<span class=\"_ _0\"></span>elsbuchs und aus<span class=\"_ _128\"> </span>offenen derivativen Finanzinst<span class=\"_ _0\"></span>rumenten des Bankbuchs ausgewiesen. Die Hand<span class=\"_ _0\"></span>elspassiva werden im Bilanzpost<span class=\"_ _0\"></span>en Sonstige<span class=\"_ _128\"> </span>Passiva ausgewiesen.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-447": {
   "value": "Verbindlichkeiten gegen\u00fc<span class=\"_ _0\"></span>ber Kreditinstituten und Kunden<span class=\"_ _0\"></span> Diese sind mit den fortgef\u00fch<span class=\"_ _0\"></span>rten Anschaffungsko<span class=\"_ _0\"></span>sten angesetzt. Ausnahmen sind Grun<span class=\"_ _0\"></span>dgesch\u00e4fte, f\u00fcr die die Fair<span class=\"_ _0\"></span>-Value-<span class=\"_ _128\"> </span>Option in Anspruch geno<span class=\"_ _0\"></span>mmen wird.<span class=\"_ _128\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-426": {
   "value": "Eigenkapital<span class=\"_ _128\"> </span>Mit Beschluss der Haupt<span class=\"_ _0\"></span>versammlung vom 28.4.1999 erfolgte die Umstellung<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>es Grundkapitals von Schilling auf Euro s<span class=\"_ _0\"></span>owie<span class=\"_ _128\"> </span>von Nennbetragsaktien in n<span class=\"_ _0\"></span>ennwertlose St\u00fcckaktien. Bei der Kapitalerh\u00f6hung im Jahr<span class=\"_ _0\"></span> 2000 mit Beschluss der Hauptver<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>sammlung vom 27.4.2000 wur<span class=\"_ _0\"></span>de das Grundkapital von 58.160.000,00 Eu<span class=\"_ _0\"></span>ro auf 60.486.400,00 Euro<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>urch Ausgabe von<span class=\"_ _128\"> </span>320.000 St\u00fcck Stammaktien erh\u00f6<span class=\"_ _0\"></span>ht. Mit Beschluss der Hauptversammlung vo<span class=\"_ _0\"></span>m 22.4.2002 erfolgte eine Erh\u00f6hung d<span class=\"_ _0\"></span>es<span class=\"_ _128\"> </span>Grundkapitals aus Gesellschaftsmit<span class=\"_ _0\"></span>teln auf 70 Mio. Euro. Im Gesch\u00e4ft<span class=\"_ _0\"></span>sjahr 2006 wurde mit Beschluss d<span class=\"_ _0\"></span>er Hauptversamm-<span class=\"_ _128\"> </span>lung vom 9.5.2006 d<span class=\"_ _0\"></span>as Grundkapital durch Ausgabe von 640.000 St\u00fcck Stammakt<span class=\"_ _0\"></span>ien auf 75.384.615,38 Eur<span class=\"_ _0\"></span>o erh\u00f6ht. Mit<span class=\"_ _128\"> </span>Beschluss der Hauptversammlung vom 14.5.2007 erfolgt<span class=\"_ _0\"></span>e eine Erh\u00f6hung des Gr<span class=\"_ _0\"></span>undkapitals durch Ausgabe von 40.000 St\u00fc<span class=\"_ _0\"></span>ck<span class=\"_ _128\"> </span>Stammaktien auf 75.721.153,84 Eu<span class=\"_ _0\"></span>ro (bedin<span class=\"_ _0\"></span>gte Kapitalerh\u00f6hung). Im Gesch\u00e4ftsjahr 2008 wurde ab<span class=\"_ _0\"></span>ermals eine bedingte Ka-<span class=\"_ _128\"> </span>pitalerh\u00f6hung durch Au<span class=\"_ _0\"></span>sgabe von 30.000 St\u00fcck Stammaktien vorgeno<span class=\"_ _0\"></span>mmen. Dadurch erh\u00f6hte sich das Grund<span class=\"_ _0\"></span>kapital auf<span class=\"_ _128\"> </span>75.973.557,69 Euro. Mit<span class=\"_ _0\"></span> Beschluss vom 27.5.2008 erfolgten ein Akti<span class=\"_ _0\"></span>ensplit im Verh\u00e4ltnis 1:3 u<span class=\"_ _0\"></span>nd eine Kapitalerh\u00f6hung aus<span class=\"_ _128\"> </span>Gesellschaftsmitteln, die das Grun<span class=\"_ _0\"></span>dkapital auf 81.270.000,00 Euro erh\u00f6hte. M<span class=\"_ _0\"></span>it Beschluss des Vorstands vom 30.9.2009<span class=\"_ _128\"> </span>wurde im Oktober 2009 eine Kapit<span class=\"_ _0\"></span>alerh\u00f6hung im Verh\u00e4ltnis 1:16 durchgef\u00fch<span class=\"_ _0\"></span>rt, wodurch <span class=\"_ _0\"></span>sich das Grundkap<span class=\"_ _0\"></span>ital auf<span class=\"_ _128\"> </span>86.349.375,00 Euro erh<span class=\"_ _0\"></span>\u00f6hte.<span class=\"_ _128\"> </span>In der 132. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 8.5.2012 wu<span class=\"_ _0\"></span>rde der Vorstand erm\u00e4chtigt, das <span class=\"_ _1\"></span>Grundkapi-<span class=\"_ _128\"> </span>tal binnen f\u00fcnf Jahren a<span class=\"_ _0\"></span>b Eintragung der entsprechenden Sat<span class=\"_ _0\"></span>zungs\u00e4nderung im Firmenbuch <span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tr<span class=\"_ _0\"></span>an-<span class=\"_ _128\"> </span>chen <span class=\"ff9\">\u2013</span> um bis zu 750.000,00 E<span class=\"_ _0\"></span>uro durch Ausgabe von bis zu 250.000 St\u00fcck neu<span class=\"_ _0\"></span>en, auf Inhaber lauten<span class=\"_ _0\"></span>den Stamm<span class=\"_ _0\"></span>-St\u00fcckakt<span class=\"_ _0\"></span>ien<span class=\"_ _128\"> </span>zu erh\u00f6hen. Diese Kapitalerh<span class=\"_ _0\"></span>\u00f6hung durch Ausgabe von Aktien gegen Ausschluss des Bezugsrechts <span class=\"_ _0\"></span>der Aktion\u00e4rIn<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>en dient<span class=\"_ _128\"> </span>der Ausgabe von Aktien an<span class=\"_ _0\"></span> ArbeitnehmerInnen, leitende Angestellte, die Belegschaftsb<span class=\"_ _0\"></span>eteiligungsprivatstiftung der<span class=\"_ _128\"> </span>Oberbank AG und Mit<span class=\"_ _0\"></span>glieder des Vorstands der Gesellschaft oder eines mit ihr<span class=\"_ _0\"></span> verbundenen Unternehmens. Weiters wurde<span class=\"_ _128\"> </span>der Vorstand in<span class=\"_ _0\"></span> der angef\u00fchrten Hauptversammlung erm\u00e4chtigt, binnen f\u00fcn<span class=\"_ _0\"></span>f Jahren ab Eintragung der entsprechend<span class=\"_ _0\"></span>en Sat-<span class=\"_ _128\"> </span>zungs\u00e4nderung im Firmenbu<span class=\"_ _0\"></span>ch <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tran<span class=\"_ _0\"></span>chen <span class=\"ff9\">\u2013</span> das Grund<span class=\"_ _0\"></span>kapital der Gesellschaft gegen Bareinlagen um<span class=\"_ _128\"> </span>bis zu 9.375.000,00 Eur<span class=\"_ _0\"></span>o durch Ausgabe von bis zu<span class=\"_ _0\"></span> 3.125.000 St\u00fcck auf Inhab<span class=\"_ _0\"></span>er lautenden Stamm-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.<span class=\"_ _128\"> </span>Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 23.5.2015 im Ausma\u00df v<span class=\"_ _0\"></span>on 1.918.875 St\u00fcck Oberban<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>-Stamm-<span class=\"_ _128\"> </span>St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht (Kapitalerh\u00f6hung 2015, Nr<span class=\"_ _0\"></span>. 1). Der Au<span class=\"_ _0\"></span>sgabepreis hat 47,43 Euro je Aktie betr<span class=\"_ _0\"></span>agen. Die durch Bareinlagen und ohn<span class=\"_ _0\"></span>e Ausschluss von Bezugsrechten erfolgte Kapitalerh\u00f6hung erh<span class=\"_ _0\"></span>\u00f6hte das Grundkapital auf 92.106.000,00<span class=\"_ _128\"> </span>Euro und die gebundene Kap<span class=\"_ _0\"></span>italr\u00fccklage auf 280.001.715,06 E<span class=\"_ _0\"></span>uro.<span class=\"_ _128\"> </span>In der 135. Ord<span class=\"_ _0\"></span>entlichen Hauptversammlung der Oberb<span class=\"_ _0\"></span>ank AG am 19.5.2015 wurde die in der 132. Ordent<span class=\"_ _0\"></span>lichen <span class=\"_ _0\"></span> Hauptversammlung am 8.5.2012 erteilte E<span class=\"_ _0\"></span>rm\u00e4chtigung im bis dahin nicht ausgen\u00fctzt<span class=\"_ _0\"></span>en Umfang widerrufen und der Vor-<span class=\"_ _128\"> </span>stand erm\u00e4chtigt, binnen f\u00fcnf Jahren a<span class=\"_ _0\"></span>b Eintragun<span class=\"_ _0\"></span>g der entsprechenden Satzungs\u00e4n<span class=\"_ _0\"></span>derung im Firmenbuch <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> allenfalls in<span class=\"_ _128\"> </span>mehreren Tranchen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> das Grundkapital der Gesellschaft gegen Bar<span class=\"_ _0\"></span>einlagen um bis zu 10.500.000,00 Eu<span class=\"_ _0\"></span>ro durch Ausgabe von<span class=\"_ _128\"> </span>bis zu 3.500.000 St\u00fcck auf In<span class=\"_ _0\"></span>haber lautenden Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.  <span class=\"_ _7\"> </span> Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 8.9.2015 im Ausma\u00df v<span class=\"_ _0\"></span>on 1.535.100 St\u00fcck Oberban<span class=\"_ _0\"></span>k<span class=\"_ _0\"></span>-Stamm-<span class=\"_ _128\"> </span>St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht (Kapitalerh\u00f6hung 2015, Nr<span class=\"_ _0\"></span>. 2). Der Ausgabepreis hat 48,03 Euro je Aktie b<span class=\"_ _0\"></span>etragen. Durch<span class=\"_ _128\"> </span>diese Kapitalerh\u00f6hun<span class=\"_ _0\"></span>g erh\u00f6hte sich das Grundkapital au<span class=\"_ _0\"></span>f 96.711.300,00 Euro und die gebund<span class=\"_ _0\"></span>ene Kapitalr\u00fccklage auf<span class=\"_ _128\"> </span>349.127.268,06 Euro.<span class=\"_ _128\"> </span>In der 136. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 18.5.2016 wu<span class=\"_ _0\"></span>rde die in der 135. Ordentlichen <span class=\"_ _1\"></span> Hauptversammlung am 19.5.2015 er<span class=\"_ _0\"></span>teilte Erm\u00e4chtigung zu<span class=\"_ _0\"></span>r Erh\u00f6hung des Grundkapit<span class=\"_ _0\"></span>als im bis dahin nicht ausgen\u00fctzten <span class=\"_ _0\"></span> Umfang widerrufen und d<span class=\"_ _0\"></span>er Vorstand gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren<span class=\"_ _0\"></span> ab Eintragung der entsprechenden Sat-<span class=\"_ _128\"> </span>zungs\u00e4nderung im Firmenbu<span class=\"_ _0\"></span>ch <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tran<span class=\"_ _0\"></span>chen <span class=\"ff9\">\u2013</span> das Grund<span class=\"_ _0\"></span>kapital der Gesellschaft gegen Bareinlagen um<span class=\"_ _128\"> </span>bis zu 10.500.000,00 Eur<span class=\"_ _0\"></span>o durch Ausgabe von bis zu 3.500.000 St\u00fcck au<span class=\"_ _0\"></span>f Inhaber lautenden Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen.<span class=\"_ _128\"> </span>Von dieser Erm\u00e4chtigun<span class=\"_ _0\"></span>g hat der Vorstand mit Beschluss vom 26.9.2016 im Aus<span class=\"_ _0\"></span>ma\u00df v<span class=\"_ _0\"></span>on 3.070.200 St\u00fcck Oberb<span class=\"_ _0\"></span>ank-Stamm-<span class=\"_ _128\"> </span>St\u00fcckaktien Gebrau<span class=\"_ _0\"></span>ch gemacht. Der Ausgabepreis hat 53,94 Euro je Akt<span class=\"_ _0\"></span>ie betragen. Durch diese durch Bareinlagen und ohne<span class=\"_ _128\"> </span>Ausschluss von Bezugsrechten<span class=\"_ _0\"></span> erfolgte Kapitalerh\u00f6hung erh\u00f6hten sich das<span class=\"_ _0\"></span> Grundkapital um 9.210.600<span class=\"_ _0\"></span>,00 Euro<span class=\"_ _0\"></span> auf<span class=\"_ _128\"> </span>105.921.900,00 Euro und d<span class=\"_ _0\"></span>ie gebundene Kapitalr\u00fccklage um 156.395.988,00 Euro<span class=\"_ _0\"></span> auf 505.523.256,06 Euro<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> In der 137. Ordentlichen Haup<span class=\"_ _0\"></span>tversammlung der Oberbank AG am 16.5.2017 wu<span class=\"_ _0\"></span>rde die in der 136. Ordentlichen <span class=\"_ _1\"></span>Hauptver-<span class=\"_ _128\"> </span>sammlung am 18.5.2016 erteilt<span class=\"_ _0\"></span>e Erm\u00e4chtigun<span class=\"_ _0\"></span>g zur Erh\u00f6hung des Grund<span class=\"_ _0\"></span>kapitals im bis dahin nicht ausgen\u00fctzten Umfang<span class=\"_ _128\"> </span>widerrufen und der Vorstand<span class=\"_ _0\"></span> gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren ab Eintragung d<span class=\"_ _0\"></span>er entsprechenden Satzungs\u00e4nde-<span class=\"_ _128\"> </span>rung im Firmenbuch <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> allenfalls in mehreren Tranchen<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> das Grundkapital d<span class=\"_ _0\"></span>er Gesellschaft gegen Bareinlagen um bis zu<span class=\"_ _128\"> </span>10.500.000,00 Euro durch A<span class=\"_ _0\"></span>usgabe von bis zu 3.500.000 St\u00fcck au<span class=\"_ _0\"></span>f Inhaber lautende Stamm<span class=\"_ _0\"></span>-St\u00fc<span class=\"_ _0\"></span>ckaktien zu erh\u00f6hen.  Wei-<span class=\"_ _128\"> </span>ters wurde die in der 132. Orden<span class=\"_ _0\"></span>tlichen Hauptversammlung am 8.5.2012 erteilt<span class=\"_ _0\"></span>e Erm\u00e4ch<span class=\"_ _0\"></span>tigung zur Erh\u00f6hu<span class=\"_ _0\"></span>ng des Grundkapi-<span class=\"_ _128\"> </span>tals widerrufen und der Vor<span class=\"_ _0\"></span>stand gleichzeitig erm\u00e4chtigt, binnen f\u00fcnf Jahren<span class=\"_ _0\"></span> ab Eintragung der entsprechenden Satzun<span class=\"_ _0\"></span>gs\u00e4n-<span class=\"_ _128\"> </span>derung im Firmenbuch<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> allenfalls in mehreren Tranchen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> das Grundkapital um bis zu<span class=\"_ _0\"></span> 750.000,00 Euro durch Ausgabe von<span class=\"_ _0\"></span> bis zu 250.000 St\u00fcck neuen,<span class=\"_ _0\"></span> auf Inhaber lautende Stamm<span class=\"_ _0\"></span>-St\u00fcckaktien zu erh<span class=\"_ _0\"></span>\u00f6hen. Die Kapitalerh\u00f6hung durch Ausgab<span class=\"_ _0\"></span>e von<span class=\"_ _128\"> </span>Aktien gegen Ausschluss d<span class=\"_ _0\"></span>es Bezugsrechts der Aktion\u00e4rInnen dient der Ausgabe v<span class=\"_ _0\"></span>on Aktien an ArbeitnehmerInnen, leiten<span class=\"_ _1\"></span>de<span class=\"_ _128\"> </span>Angestellte, die Belegschaftsbeteiligungsp<span class=\"_ _0\"></span>rivatstiftung der Oberbank AG und M<span class=\"_ _0\"></span>itglieder des Vorstands der Gesellschaft oder<span class=\"_ _128\"> </span>eines mit ihr verbunden<span class=\"_ _0\"></span>en Unternehmens. Von diesen Erm\u00e4chtigungen wurde bis dato kein <span class=\"_ _1\"></span>Gebrauch gemacht.<span class=\"_ _128\"> </span>Das Grundkapital ist ein<span class=\"_ _0\"></span>geteilt in 35.307.300 auf den Inh<span class=\"_ _0\"></span>aber lautende Stamm-St<span class=\"_ _0\"></span>\u00fcckaktien. In der am 9.6.2020 statt<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>gefundenen Versammlung d<span class=\"_ _0\"></span>er Vorzugsaktion\u00e4re der Oberbank AG wurd<span class=\"_ _0\"></span>e mit Sonderbeschluss gem. \u00a7 129 Abs. 3 AktG dem<span class=\"_ _128\"> </span>Hauptversammlungsbeschluss vom 20.5.2020 zugestimmt,<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>er die Umwandlung s\u00e4mt<span class=\"_ _0\"></span>licher bestehender Vorzugsaktien in<span class=\"_ _128\"> </span>Stammaktien der Oberb<span class=\"_ _0\"></span>ank AG durch Aufhebung des Vorzugs gem\u00e4\u00df \u00a7 129 Abs. <span class=\"_ _0\"></span>1 AktG und die diesbez\u00fcgliche \u00c4nderun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>der Satzung in \u00a7 4 zu<span class=\"_ _0\"></span>m Gegenstand hatte. Die Umwandlung der Vorzugsaktien in St<span class=\"_ _0\"></span>ammak<span class=\"_ _0\"></span>tien wurde mit Eintr<span class=\"_ _0\"></span>agung der beschlossenen Satzun<span class=\"_ _0\"></span>gs\u00e4nderung der Oberbank AG im Firmenbu<span class=\"_ _0\"></span>ch am 7.11.2020 wirksam.<span class=\"_ _0\"></span> Die Anzahl der direkt oder \u00fcb<span class=\"_ _0\"></span>er assoziierte Unternehmen gehaltenen eigenen Ant<span class=\"_ _0\"></span>eile betr\u00e4gt zum Stichtag 11.723.202<span class=\"_ _128\"> </span>St\u00fcck. In der Kapitalr\u00fccklage ist d<span class=\"_ _0\"></span>er Mehrerl\u00f6s (Agio), der bei der Ausgabe eigener Aktien erzielt w<span class=\"_ _0\"></span>ird, enthalten. Die Ge-<span class=\"_ _128\"> </span>winnr\u00fccklagen nehmen die t<span class=\"_ _0\"></span>hesaurierten Gewinne des Konzerns sowie s\u00e4mt<span class=\"_ _0\"></span>liche erfolgswirksamen Konsolidierungsma\u00dfnah-<span class=\"_ _128\"> </span>men auf. Die Bewertun<span class=\"_ _0\"></span>gsr\u00fccklagen nehmen die Bew<span class=\"_ _0\"></span>ertungs\u00e4nderungen aus den Schu<span class=\"_ _0\"></span>ldtiteln mit Reklassifizierung, Eigenka-<span class=\"_ _128\"> </span>pitalinstrumenten ohne Reklassifizierung un<span class=\"_ _0\"></span>d dem eigenen Kreditrisiko auf. Die R\u00fc<span class=\"_ _0\"></span>cklagen aus assoziierten Unternehmen<span class=\"_ _128\"> </span>stellen den Unterschiedsbetr<span class=\"_ _0\"></span>ag zwischen den historischen An<span class=\"_ _0\"></span>schaffungsko<span class=\"_ _0\"></span>sten und den Equity<span class=\"_ _0\"></span>-Buchwerten der assoziierten<span class=\"_ _128\"> </span>Unternehmen dar.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-12": {
   "value": "2.11) Wesentliche Ereignisse seit dem E<span class=\"_ _0\"></span>nde d<span class=\"_ _0\"></span>es Gesch\u00e4ftsjahres<span class=\"_ _128\"> </span>Nach dem Ende des Gesch\u00e4ft<span class=\"_ _0\"></span>sjahres 2022 ist es zu keinen wesentlichen Ereignissen gekomme<span class=\"_ _0\"></span>n.<span class=\"_ _0\"></span> Auswirkungen bedeutend<span class=\"_ _0\"></span>er Gesch\u00e4ftsvorf\u00e4lle oder anderer Ereignisse zwischen dem Berichtsst<span class=\"_ _0\"></span>ichtag und dem Kon<span class=\"_ _0\"></span>zernab-<span class=\"_ _128\"> </span>schlussstichtag werden, s<span class=\"_ _0\"></span>ofern gege<span class=\"_ _5\"></span>ben, ber\u00fccksichtigt.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-427": {
   "value": "<div class=\"c w73 h12 gs49\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">3) Zinsergebnis<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 h12 gs4a\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w75 h12 gs4b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w73 hf gs4c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs4d\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs4e\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">495.394<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs4f\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.872<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs50\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs51\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">6.459<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs52\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.415<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs53\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstigen Beteiligungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs54\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.440<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs55\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.580<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs56\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs57\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.488<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs58\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.943<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs59\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs5a\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">33.125<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs5b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">31.477<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs5c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs5d\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.906<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs5e\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">389.287<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs5f\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs60\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Einlagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs61\"><div class=\"t m0 x4a h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-99.484<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs62\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-10.509<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs63\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs64\"><div class=\"t m0 x4a h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-22.401<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs65\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.909<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs66\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs67\"><div class=\"t m0 x4a h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-12.866<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs68\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.590<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs69\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs6a\"><div class=\"t m0 xf h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">95</span> </div></div><div class=\"c w75 hf gs6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.222<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs6c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs6d\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-134.846<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs6e\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-43.230<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hd gs6f\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis  </div></div><div class=\"c w74 hd gs70\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">406.060<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hd gs71\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.057<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs72\"><div class=\"t m0 x3 h17 y5a1 ff4 fs4 fc2 sc0 ls0 ws0\">Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>. </div><div class=\"t m0 x3 h17 y5a2 ff4 fs4 fc2 sc0 ls0 ws0\">Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span> <span class=\"_ _0\"></span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h17 y5a3 ff4 fs4 fc2 sc0 ls0 ws0\">halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von </div><div class=\"t m0 x3 h17 y3d7 ff4 fs4 fc2 sc0 ls0 ws0\">35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span></div><div class=\"t m0 x3 h5 y5a4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div>4) Ergebnis aus at Equity bewerteten Unternehmen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ertr\u00e4ge aus anteiligen Ergebnissen<span class=\"_ _0\"></span> 145.293<span class=\"_ _128\"> </span>93.674<span class=\"_ _128\"> </span>Aufwendungen au<span class=\"_ _0\"></span>s Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span>-54.640<span class=\"_ _128\"> </span>6.459<span class=\"_ _128\"> </span>Ertr\u00e4ge aus Zuschreibungen a<span class=\"_ _0\"></span>nl\u00e4sslich Zukauf<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Ergebnis aus at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen<span class=\"_ _128\"> </span>90.653<span class=\"_ _128\"> </span>100.133<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-479": {
   "value": "3) Zinsergebnis<span class=\"_ _128\"> </span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span> Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span> 495.394<span class=\"_ _128\"> </span> 346.872<span class=\"_ _128\"> </span> Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> 6.459<span class=\"_ _128\"> </span> 1.415<span class=\"_ _128\"> </span> Sonstigen Beteiligungen<span class=\"_ _128\"> </span> 4.440<span class=\"_ _128\"> </span> 7.580<span class=\"_ _128\"> </span> Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span> 1.488<span class=\"_ _128\"> </span> 1.943<span class=\"_ _128\"> </span> Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span> 33.125<span class=\"_ _128\"> </span> 31.477<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span> 540.906<span class=\"_ _128\"> </span> 389.287<span class=\"_ _128\"> </span> Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span> Einlagen<span class=\"_ _128\"> </span> -99.484<span class=\"_ _128\"> </span> -10.509<span class=\"_ _128\"> </span> Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span> -22.401<span class=\"_ _128\"> </span> -17.909<span class=\"_ _128\"> </span> Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> -12.866<span class=\"_ _128\"> </span> -13.590<span class=\"_ _128\"> </span> Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span> -<span class=\"ls2\">95</span> -1.222<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span> -134.846<span class=\"_ _128\"> </span> -43.230<span class=\"_ _128\"> </span> Zinsergebnis  406.060<span class=\"_ _128\"> </span> 346.057<span class=\"_ _128\"> </span> Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>. Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span>halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von 35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span>6) Provisionsergebnis<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Provisionsertr\u00e4ge:<span class=\"_ _128\"> </span>Zahlungsverkehr<span class=\"ff5\"> </span>70.087<span class=\"_ _128\"> </span>65.423<span class=\"_ _128\"> </span>Wertpapiergesch\u00e4ft<span class=\"ff5\"> </span>80.055<span class=\"_ _128\"> </span>76.559<span class=\"_ _128\"> </span>Devisen-, Sorten<span class=\"_ _0\"></span>- und Edelmetallgesch\u00e4ft<span class=\"ff5\"> </span>26.378<span class=\"_ _128\"> </span>19.943<span class=\"_ _128\"> </span>Kreditgesch\u00e4ft<span class=\"ff5\"> </span>46.902<span class=\"_ _128\"> </span>44.627<span class=\"_ _128\"> </span>Sonstiges Dienstleistun<span class=\"_ _0\"></span>gs- und Beratungsgesch\u00e4ft<span class=\"ff5\"> </span>3.801<span class=\"_ _128\"> </span>6.276<span class=\"_ _128\"> </span>Provisionsertr\u00e4ge gesamt<span class=\"_ _0\"></span> 227.223<span class=\"_ _128\"> </span>212.828",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-470": {
   "value": "3) Zinsergebnis<span class=\"_ _128\"> </span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span> Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span> 495.394<span class=\"_ _128\"> </span> 346.872<span class=\"_ _128\"> </span> Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> 6.459<span class=\"_ _128\"> </span> 1.415<span class=\"_ _128\"> </span> Sonstigen Beteiligungen<span class=\"_ _128\"> </span> 4.440<span class=\"_ _128\"> </span> 7.580<span class=\"_ _128\"> </span> Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span> 1.488<span class=\"_ _128\"> </span> 1.943<span class=\"_ _128\"> </span> Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span> 33.125<span class=\"_ _128\"> </span> 31.477<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span> 540.906<span class=\"_ _128\"> </span> 389.287<span class=\"_ _128\"> </span> Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span> Einlagen<span class=\"_ _128\"> </span> -99.484<span class=\"_ _128\"> </span> -10.509<span class=\"_ _128\"> </span> Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span> -22.401<span class=\"_ _128\"> </span> -17.909<span class=\"_ _128\"> </span> Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> -12.866<span class=\"_ _128\"> </span> -13.590<span class=\"_ _128\"> </span> Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span> -<span class=\"ls2\">95</span> -1.222<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span> -134.846<span class=\"_ _128\"> </span> -43.230<span class=\"_ _128\"> </span> Zinsergebnis  406.060<span class=\"_ _128\"> </span> 346.057<span class=\"_ _128\"> </span> Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>. Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span>halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von 35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span>6) Provisionsergebnis<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Provisionsertr\u00e4ge:<span class=\"_ _128\"> </span>Zahlungsverkehr<span class=\"ff5\"> </span>70.087<span class=\"_ _128\"> </span>65.423<span class=\"_ _128\"> </span>Wertpapiergesch\u00e4ft<span class=\"ff5\"> </span>80.055<span class=\"_ _128\"> </span>76.559<span class=\"_ _128\"> </span>Devisen-, Sorten<span class=\"_ _0\"></span>- und Edelmetallgesch\u00e4ft<span class=\"ff5\"> </span>26.378<span class=\"_ _128\"> </span>19.943<span class=\"_ _128\"> </span>Kreditgesch\u00e4ft<span class=\"ff5\"> </span>46.902<span class=\"_ _128\"> </span>44.627<span class=\"_ _128\"> </span>Sonstiges Dienstleistun<span class=\"_ _0\"></span>gs- und Beratungsgesch\u00e4ft<span class=\"ff5\"> </span>3.801<span class=\"_ _128\"> </span>6.276<span class=\"_ _128\"> </span>Provisionsertr\u00e4ge gesamt<span class=\"_ _0\"></span> 227.223<span class=\"_ _128\"> </span>212.828",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-13": {
   "value": "3) Zinsergebnis<span class=\"_ _128\"> </span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span> Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span> 495.394<span class=\"_ _128\"> </span> 346.872<span class=\"_ _128\"> </span> Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> 6.459<span class=\"_ _128\"> </span> 1.415<span class=\"_ _128\"> </span> Sonstigen Beteiligungen<span class=\"_ _128\"> </span> 4.440<span class=\"_ _128\"> </span> 7.580<span class=\"_ _128\"> </span> Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span> 1.488<span class=\"_ _128\"> </span> 1.943<span class=\"_ _128\"> </span> Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span> 33.125<span class=\"_ _128\"> </span> 31.477<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span> 540.906<span class=\"_ _128\"> </span> 389.287<span class=\"_ _128\"> </span> Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span> Einlagen<span class=\"_ _128\"> </span> -99.484<span class=\"_ _128\"> </span> -10.509<span class=\"_ _128\"> </span> Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span> -22.401<span class=\"_ _128\"> </span> -17.909<span class=\"_ _128\"> </span> Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> -12.866<span class=\"_ _128\"> </span> -13.590<span class=\"_ _128\"> </span> Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span> -<span class=\"ls2\">95</span> -1.222<span class=\"_ _128\"> </span> Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span> -134.846<span class=\"_ _128\"> </span> -43.230<span class=\"_ _128\"> </span> Zinsergebnis  406.060<span class=\"_ _128\"> </span> 346.057<span class=\"_ _128\"> </span> Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>. Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span>halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von 35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-401": {
   "value": "3) Zinsergebnis<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span>Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span>495.394<span class=\"_ _128\"> </span>346.872<span class=\"_ _128\"> </span>Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> 6.459<span class=\"_ _128\"> </span>1.415<span class=\"_ _128\"> </span>Sonstigen Beteiligungen<span class=\"_ _128\"> </span>4.440<span class=\"_ _128\"> </span>7.580<span class=\"_ _128\"> </span>Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span>1.488<span class=\"_ _128\"> </span>1.943<span class=\"_ _128\"> </span>Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span>33.125<span class=\"_ _128\"> </span>31.477<span class=\"_ _128\"> </span>Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span>540.906<span class=\"_ _128\"> </span>389.287<span class=\"_ _128\"> </span>Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span>halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von 35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-448": {
   "value": "3) Zinsergebnis<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zinsertr\u00e4ge aus<span class=\"_ _128\"> </span>Kredit- und Geldmarkt<span class=\"_ _0\"></span>gesch\u00e4ften<span class=\"_ _128\"> </span>495.394<span class=\"_ _128\"> </span>346.872<span class=\"_ _128\"> </span>Aktien und anderen n<span class=\"_ _0\"></span>icht festverzinslichen Wertpapieren<span class=\"_ _0\"></span> 6.459<span class=\"_ _128\"> </span>1.415<span class=\"_ _128\"> </span>Sonstigen Beteiligungen<span class=\"_ _128\"> </span>4.440<span class=\"_ _128\"> </span>7.580<span class=\"_ _128\"> </span>Verbundenen Untern<span class=\"_ _0\"></span>ehmen<span class=\"_ _128\"> </span>1.488<span class=\"_ _128\"> </span>1.943<span class=\"_ _128\"> </span>Festverzinslichen Wertpapieren u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>Schuldverschreibungen<span class=\"_ _128\"> </span>33.125<span class=\"_ _128\"> </span>31.477<span class=\"_ _128\"> </span>Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Ertr\u00e4ge<span class=\"_ _128\"> </span>540.906<span class=\"_ _128\"> </span>389.287<span class=\"_ _128\"> </span>Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>.  <span class=\"_ _0\"></span>Die Zinsertr\u00e4ge ent-<span class=\"_ _128\"> </span>halten <span class=\"_ _0\"></span>negative <span class=\"_ _1\"></span>Zinsen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von <span class=\"_ _1\"></span>9.292 <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>sd. <span class=\"_ _0\"></span>Euro <span class=\"_ _1\"></span>(Vorjahr <span class=\"_ _1\"></span>14.341 <span class=\"_ _0\"></span>Tsd. <span class=\"_ _1\"></span>Euro) <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>die <span class=\"_ _1\"></span>Zinsaufwendungen <span class=\"_ _0\"></span>enthalten <span class=\"_ _0\"></span>negative <span class=\"_ _0\"></span>Z<span class=\"_ _0\"></span>insen <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>H\u00f6he <span class=\"_ _1\"></span>von 35.156 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 34.849 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span><div class=\"c w73 hc gs74\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">4) Ergebnis aus at Equity bewerteten Unternehmen<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hc gs75\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w75 hc gs76\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w73 hf gs77\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus anteiligen Ergebnissen<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs78\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">145.293<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs79\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">93.674<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs7a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs7b\"><div class=\"t m0 x4a h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-54.640<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs7c\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.459<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs7d\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Zuschreibungen a<span class=\"_ _0\"></span>nl\u00e4sslich Zukauf<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs7e\"><div class=\"t m0 x3 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs7f\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w73 hf gs80\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs81\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">90.653<span class=\"_ _128\"> </span> </div></div><div class=\"c w75 hf gs82\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.133<span class=\"_ _128\"> </span> </div></div>Nicht realisierte Finanzertr\u00e4ge<span class=\"_ _0\"></span> Bis 3 Monate 8.036 6.010 3 Monate bis 1 Jahr 21.314 15.496 \u00dcber 1 Jahr bis 5 Jahre 53.370 36.431 \u00dcber 5 Jahre 16.838 8.700 Summe 99.558 66.637 Nettoi",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-400": {
   "value": "Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span>Einlagen<span class=\"_ _128\"> </span>-99.484<span class=\"_ _128\"> </span>-10.509<span class=\"_ _128\"> </span>Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span>-22.401<span class=\"_ _128\"> </span>-17.909<span class=\"_ _128\"> </span>Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> -12.866<span class=\"_ _128\"> </span>-13.590<span class=\"_ _128\"> </span>Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span>-<span class=\"ls2\">95</span> -1.222<span class=\"_ _128\"> </span>Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span>-134.846<span class=\"_ _128\"> </span>-43.230<span class=\"_ _128\"> </span>Zinsergebnis 406.060<span class=\"_ _128\"> </span>346.057<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "Der entsprechende Zinsaufwand f\u00fcr finanzielle Verbindlichkeiten bel\u00e4uft sich <span class=\"_ _0\"></span>auf 109.<span class=\"_ _0\"></span>357 Tsd. <span class=\"_ _0\"></span>Euro (Vorjahr <span class=\"_ _0\"></span>38.631 Tsd. E<span class=\"_ _0\"></span>uro)<span class=\"_ _128\"> </span>4) Ergebnis aus at Equity bewerteten Unternehmen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ertr\u00e4ge aus anteiligen Ergebnissen<span class=\"_ _0\"></span> 145.293<span class=\"_ _128\"> </span>93.674<span class=\"_ _128\"> </span>Aufwendungen au<span class=\"_ _0\"></span>s Wertminderungen und Ertr\u00e4ge aus Zuschreibun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span>-54.640<span class=\"_ _128\"> </span>6.459<span class=\"_ _128\"> </span>Ertr\u00e4ge aus Zuschreibungen a<span class=\"_ _0\"></span>nl\u00e4sslich Zukauf<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Ergebnis aus at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen<span class=\"_ _128\"> </span>90.653<span class=\"_ _128\"> </span>100.133<span class=\"_ _128\"> </span>Zinsaufwendungen f\u00fcr<span class=\"_ _128\"> </span>Einlagen<span class=\"_ _128\"> </span>-99.484<span class=\"_ _128\"> </span>-10.509<span class=\"_ _128\"> </span>Verbriefte Verbindlichkeiten<span class=\"_ _128\"> </span>-22.401<span class=\"_ _128\"> </span>-17.909<span class=\"_ _128\"> </span>Nachrangige Verbindlichkeiten<span class=\"_ _0\"></span> -12.866<span class=\"_ _128\"> </span>-13.590<span class=\"_ _128\"> </span>Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanten Modifikationen<span class=\"_ _128\"> </span>-<span class=\"ls2\">95</span> -1.222<span class=\"_ _128\"> </span>Zinsen und \u00e4hn<span class=\"_ _0\"></span>liche Aufwendungen<span class=\"_ _128\"> </span>-134.846<span class=\"_ _128\"> </span>-43.230<span class=\"_ _128\"> </span>Zinsergebnis 406.060<span class=\"_ _128\"> </span>346.057<span class=\"_ _128\"> </span>Der Zins<span class=\"_ _5\"></span>ertrag f\u00fcr finanzi<span class=\"_ _5\"></span>elle Verm\u00f6genswer<span class=\"_ _5\"></span>te der<span class=\"_ _5\"></span> Bewertungskategori<span class=\"_ _5\"></span>en AC und FV/OCI bet<span class=\"_ _5\"></span>r\u00e4gt 519.165 Tsd. <span class=\"_ _5\"></span>EUR (<span class=\"_ _5\"></span>Vorjahr 368.10<span class=\"ls1b\">2 </span>Tsd. Euro)<span class=\"_ _128\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-428": {
   "value": "5) Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> -117.079<span class=\"_ _128\"> </span> -101.325<span class=\"_ _128\"> </span> Direktabschreibungen<span class=\"_ _128\"> </span> -1.325<span class=\"_ _128\"> </span> -1.437<span class=\"_ _128\"> </span> Aufl\u00f6sungen zu R<span class=\"_ _0\"></span>isikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> 71.190<span class=\"_ _128\"> </span> 66.241<span class=\"_ _128\"> </span> Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen<span class=\"_ _128\"> </span> 2.202<span class=\"_ _128\"> </span> 2.422<span class=\"_ _128\"> </span> Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> 41<span class=\"ls0\"> </span>70<span class=\"ls0\"> </span>Ergebnis aus POCI Finanzinst<span class=\"_ _0\"></span>rumenten<span class=\"_ _128\"> </span> 3.489<span class=\"_ _128\"> </span> -1.684<span class=\"_ _128\"> </span> Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> -41.482<span class=\"_ _128\"> </span> -35.713<span class=\"_ _128\"> </span> Das Ergebnis <span class=\"_ _5\"></span>aus <span class=\"_ _5\"></span>nicht signifikanten <span class=\"_ _5\"></span>Modifikationen <span class=\"_ _5\"></span>der vertragl<span class=\"_ _5\"></span>ichen Zahlungsstr\u00f6me vo<span class=\"_ _5\"></span>n fin<span class=\"_ _5\"></span>anziellen Verm\u00f6genswerten, die<span class=\"_ _128\"> </span> nicht zu einer Ausbu<span class=\"_ _0\"></span>chung gef\u00fchrt haben, stellt sich in nachfolgender Tab<span class=\"_ _0\"></span>elle dar:<span class=\"_ _128\"> </span> Stage 1 Stage 2 Stage 3<span class=\"_ _128\"> </span> Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4ftsjahr 20<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span> 12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>POCI Gesamt<span class=\"_ _128\"> </span> Fortgef\u00fchrte Ansch<span class=\"_ _0\"></span>affungskosten vor Modifikationen<span class=\"_ _128\"> </span> 97.417 29.799 15.481<span class=\"_ _128\"> </span> 0 142.697<span class=\"_ _128\"> </span> Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> 14<span class=\"ls0\"> </span>254<span class=\"ls0\"> </span>-<span class=\"ls2\">190</span> 0<span class=\"_ _128\"> </span> 78<span class=\"ls0\"> </span>1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span><span class=\"ls20\"> </span>Saldo aus mark<span class=\"_ _5\"></span>t- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span>Stage 1 Stage 2 Stage 3<span class=\"_ _128\"> </span> Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4f<span class=\"_ _0\"></span>tsjahr 2021<span class=\"_ _0\"></span> 12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>POCI Gesamt<span class=\"_ _128\"> </span> Fortgef\u00fchrte Anschaffun<span class=\"_ _0\"></span>gskosten vor Modifikationen<span class=\"_ _128\"> </span> 36.486 56.206 18.124<span class=\"_ _128\"> </span> 0 110.816<span class=\"_ _128\"> </span> Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span> -<span class=\"ls2\">995</span> -<span class=\"ls2\">189</span> -<span class=\"ls2\">57</span> 0<span class=\"_ _128\"> </span> -1.201<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span><span class=\"ls20\"> </span>Saldo aus markt<span class=\"_ _5\"></span>- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-402": {
   "value": "5) Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> -117.079<span class=\"_ _128\"> </span>-101.325<span class=\"_ _128\"> </span>Direktabschreibungen<span class=\"_ _128\"> </span>-1.325<span class=\"_ _128\"> </span>-1.437<span class=\"_ _128\"> </span>Aufl\u00f6sungen zu R<span class=\"_ _0\"></span>isikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> 71.190<span class=\"_ _128\"> </span>66.241<span class=\"_ _128\"> </span>Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen<span class=\"_ _128\"> </span>2.202<span class=\"_ _128\"> </span>2.422<span class=\"_ _128\"> </span>Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span>41<span class=\"ls0\"> </span>70<span class=\"ls0\"> </span>Ergebnis aus POCI Finanzinst<span class=\"_ _0\"></span>rumenten<span class=\"_ _128\"> </span>3.489<span class=\"_ _128\"> </span>-1.684<span class=\"_ _128\"> </span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> -41.482<span class=\"_ _128\"> </span>-35.713<span class=\"_ _128\"> </span>Das Ergebnis <span class=\"_ _5\"></span>aus <span class=\"_ _5\"></span>nicht signifikanten <span class=\"_ _5\"></span>Modifikationen <span class=\"_ _5\"></span>der vertragl<span class=\"_ _5\"></span>ichen Zahlungsstr\u00f6me vo<span class=\"_ _5\"></span>n fin<span class=\"_ _5\"></span>anziellen Verm\u00f6genswerten, die<span class=\"_ _128\"> </span>nicht zu einer Ausbu<span class=\"_ _0\"></span>chung gef\u00fchrt haben, stellt sich in nachfolgender Tab<span class=\"_ _0\"></span>elle dar:<span class=\"_ _128\"> </span>Stage 1Stage 2Stage 3<span class=\"_ _128\"> </span>Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4ftsjahr 20<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span> 12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCIGesamt<span class=\"_ _128\"> </span>Fortgef\u00fchrte Ansch<span class=\"_ _0\"></span>affungskosten vor Modifikationen<span class=\"_ _128\"> </span>97.41729.79915.481<span class=\"_ _128\"> </span>0142.697<span class=\"_ _128\"> </span>Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span>14<span class=\"ls0\"> </span>254<span class=\"ls0\"> </span>-<span class=\"ls2\">190</span> 0<span class=\"_ _128\"> </span>78<span class=\"ls0\"> </span>1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span>Saldo aus mark<span class=\"_ _5\"></span>t- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span>Stage 1Stage 2Stage 3<span class=\"_ _128\"> </span>Modifizierte finanzielle Verm\u00f6genswerte Gesch\u00e4f<span class=\"_ _0\"></span>tsjahr 2021<span class=\"_ _0\"></span> 12<span class=\"ls0\">-M ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCIGesamt<span class=\"_ _128\"> </span>Fortgef\u00fchrte Anschaffun<span class=\"_ _0\"></span>gskosten vor Modifikationen<span class=\"_ _128\"> </span>36.48656.20618.124<span class=\"_ _128\"> </span>0110.816<span class=\"_ _128\"> </span>Ergebnis aus nicht sign<span class=\"_ _0\"></span>ifikanten Modifikationen<span class=\"_ _128\"> </span>-<span class=\"ls2\">995</span> -<span class=\"ls2\">189</span> -<span class=\"ls2\">57</span> 0<span class=\"_ _128\"> </span>-1.201<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>1<span class=\"ls20\">)<span class=\"_ _128\"> </span></span>Saldo aus markt<span class=\"_ _5\"></span>- und bonit\u00e4t<span class=\"_ _5\"></span>sinduzier<span class=\"_ _5\"></span>ten Modifi<span class=\"_ _5\"></span>kationen<span class=\"_ _128\"> </span><div class=\"gsa\"><table class=\"s w2ec h189\" id=\"_285880f8-f142-42f2-9e68-ede16f17f72a\"><tr><td class=\"c x174 y120c w95 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">16) Handelsaktiva </div></td><td class=\"c x1e7 y120c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y120c w77 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y120d w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y120e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y120e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.933 </div></td><td class=\"c x1e8 y120e w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y120f w95 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1210 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1210 w81 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x1e8 y1210 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.617 </div></td></tr><tr><td class=\"c x174 y1211 w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte aus derivativen Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1212 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1212 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.184 </div></td><td class=\"c x1e8 y1212 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.768 </div></td></tr><tr><td class=\"c x174 y1213 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y1213 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">36.536 </div></td><td class=\"c x1e8 y1213 w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.995 </div></td></tr><tr><td class=\"c x174 y1214 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y1214 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1214 w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1215 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x1e7 y1215 w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td class=\"c x1e8 y1215 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr></table></div><table class=\"s w2ec h18a\" id=\"_d65e12e6-358f-4a22-a0be-2f4aa47c3f8f\"><tr><td class=\"c x174 y1216 w96 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">17) Finanzanlagen </div></td><td class=\"c x1e7 y1216 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1216 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1217 w96 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1218 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1218 w91 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.946.152 </div></td><td class=\"c x1e8 y1218 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.503.759 </div></td></tr><tr><td class=\"c x174 y1219 w96 h13\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6rsennotiert </div></td><td class=\"c x1e7 y1219 w91 h13\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">48.926 </div></td><td class=\"c x1e8 y1219 w82 h13\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.949 </div></td></tr><tr><td class=\"c x174 y121a w96 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y121b w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y121b w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.023 </div></td><td class=\"c x1e8 y121b w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.319 </div></td></tr><tr><td class=\"c x174 y121c w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6rsennotiert </div></td><td class=\"c x1e7 y121c w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">200.914 </div></td><td class=\"c x1e8 y121c w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">220.311 </div></td></tr><tr><td class=\"c x174 y121d w96 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungen / Anteile </div></td><td></td><td></td></tr><tr><td class=\"c x174 y121e w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An verbundenen Untern<span class=\"_ _0\"></span>ehmen </div></td><td class=\"c x1e7 y121e w91 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">88.089 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e8 y121e w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.003 </div></td></tr><tr><td class=\"c x174 y121f w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1220 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten </div></td><td class=\"c x1e7 y1220 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">548.399 </div></td><td class=\"c x1e8 y1220 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.392 </div></td></tr><tr><td class=\"c x174 y1221 w96 he\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht-Kreditinstituten </div></td><td class=\"c x1e7 y1221 w91 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x1e8 y1221 w82 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr><tr><td class=\"c x174 y1222 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An sonstigen Beteiligungen </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1223 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten </div></td><td class=\"c x1e7 y1223 w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.694 </div></td><td class=\"c x1e8 y1223 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.695 </div></td></tr><tr><td class=\"c x174 y1224 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht-Kreditinstituten </div></td><td class=\"c x1e7 y1224 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">161.023 </div></td><td class=\"c x1e8 y1224 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.610 </div></td></tr><tr><td class=\"c x174 y1225 w96 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x1e7 y1225 w91 he\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e8 y1225 w82 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr><tr><td class=\"c x174 y1226 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e FV/PL </div></td><td class=\"c x1e7 y1226 w91 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x1e8 y1226 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">481.966 </div></td></tr><tr><td class=\"c x174 y1227 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Finanzielle Verm\u00f6genswerte FV/OCI<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1227 w91 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x1e8 y1227 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">414.571 </div></td></tr><tr><td class=\"c x174 y1228 w96 hd\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon Eigenkapitalin<span class=\"_ _0\"></span>strumente </div></td><td class=\"c x1e7 y1228 w91 hd\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x1e8 y1228 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">373.483 </div></td></tr><tr><td class=\"c x174 y1229 w96 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon Fremdkapitalin<span class=\"_ _0\"></span>strumente </div></td><td class=\"c x1e7 y1229 w91 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">269.786 </div></td><td class=\"c x1e8 y1229 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.088 </div></td></tr><tr><td class=\"c x174 y122a w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Finanzielle Verm\u00f6genswerte AC<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y122a w91 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x1e8 y122a w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.283.109 </div></td></tr><tr><td class=\"c x174 y122b w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Anteile an at Equit<span class=\"_ _0\"></span>y-Unternehmen </div></td><td class=\"c x1e7 y122b w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.646 </div></td><td class=\"c x1e8 y122b w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td></tr><tr><td class=\"c x174 y122c w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x1e7 y122c w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td><td class=\"c x1e8 y122c w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr></table>Die Finanzinvestition<span class=\"_ _0\"></span>en in Eigenkapitalinstrumente, die erfolgsneutral zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im sonstigen Ergebnis<span class=\"_ _128\"> </span>bewertet werden, umfassen<span class=\"_ _0\"></span> alle Wertpapiere, Beteiligungen und<span class=\"_ _0\"></span> Anteile an verbundenen Unternehmen, welche nicht<span class=\"_ _0\"></span> zum<span class=\"_ _128\"> </span>Marktwert gesteuert werden.<table class=\"s w2f0 h18b\" id=\"_3abb5e1f-247e-4ae5-abf8-db33eaf65093\"><tr><td class=\"c x1bc y122d w97 h12\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x208 y122d w18 h12\" colspan=\"2\"><div class=\"t m0 x88 h5 y87 ff4 fs2 fc2 sc0 ls1 ws0\">                               <span class=\"ls0\">e<span class=\"_ _5\"></span>rfasste Dividenden aus Instrumenten<span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x178 y122e w2f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrumente FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x209 y122f w2f2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">beizulegender<span class=\"_ _128\"> </span></div></td><td class=\"c x20a y122f w2f3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">die im Gesch\u00e4ftsjahr au<span class=\"_ _0\"></span>sge-<span class=\"_ _128\"> </span></div></td><td class=\"c x20b y122f w2f4 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">die am Abschlussstichtag ge-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1230 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x20c y1231 w2f6 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x20d y1231 w2f7 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">bucht wurden<span class=\"_ _128\"> </span></div></td><td class=\"c x20e y1231 w2f8 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">halten werden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1bc y1232 w99 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere </div></td><td class=\"c x20f y1232 w9a h12\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.265 </div></td><td class=\"c x208 y1232 w9b h12\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1232 w9c h12\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.997 </div></td></tr><tr><td class=\"c x1bc y1233 w99 h2a\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x20f y1233 w9a h2a\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.775 </div></td><td class=\"c x208 y1233 w9b h2a\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1233 w9c h2a\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.975 </div></td></tr><tr><td class=\"c x1bc y1234 w99 hc\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen </div></td><td class=\"c x20f y1234 w9a hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">85.630 </div></td><td class=\"c x208 y1234 w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1234 w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.488 </div></td></tr><tr><td></td><td class=\"c x20f y1235 w9a hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x208 y1235 w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1235 w9c hc\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.460 </div></td></tr></table>Die finanziellen Verm\u00f6genswerte in Eigenkap<span class=\"_ _0\"></span>italinstrumente betreffen insbesond<span class=\"_ _0\"></span>ere nicht konsolidierte Beteiligungen und<span class=\"_ _128\"> </span>Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, siehe Note 41), sowie Investment<span class=\"_ _0\"></span>s an der Lenzing AG, Energie AG Ober\u00f6sterreich,<span class=\"_ _128\"> </span>\u00d6sterreichische Kontr<span class=\"_ _0\"></span>ollbank AG und Linz Textil AG.  <span class=\"_ _7\"> </span> Im Gesch\u00e4ftsjahr 2022 w<span class=\"_ _0\"></span>urde kein Eigenkapitalinstrument liquidiert. Im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr erfolgten keine Umgliederungen in-<span class=\"_ _128\"> </span>nerhalb des Eigenkapitals. <span class=\"_ _0\"></span>Im Vorjahr wurde ein Finanzinstrument liqu<span class=\"_ _0\"></span>idiert, welches zum Zeitpunkt des A<span class=\"_ _1\"></span>bgangs einen bei-<span class=\"_ _128\"> </span>zulegenden Zeitwert von 16,3 Tsd. <span class=\"_ _0\"></span>Euro hatte und ein Eigenkapitalinstrument<span class=\"_ _0\"></span> mit einem beizulegenden Zeitwert v<span class=\"_ _0\"></span>on 2.336,1<span class=\"_ _128\"> </span>Tsd. Euro teilweise ver\u00e4u\u00dfert<span class=\"_ _0\"></span>. Der kumulierte Gewinn aus der Liquidation b<span class=\"_ _0\"></span>etrug 0,0 Tsd. Euro.<span class=\"_ _0\"></span> <table class=\"s w2f9 h18c\" id=\"_3062f7c7-870e-4134-bc7f-6e1eef5d966a\"><tr><td class=\"c x1bc y1236 w97 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x208 y1236 w18 hc\" colspan=\"2\"><div class=\"t m0 x88 h5 y87 ff4 fs2 fc2 sc0 ls1 ws0\">                               <span class=\"ls0\">e<span class=\"_ _5\"></span>rfasste Dividenden aus Instrumenten<span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x178 y1237 w2f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrumente FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x211 y1238 w2f2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">beizulegender<span class=\"_ _128\"> </span></div></td><td class=\"c x20a y1238 w2f3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">die im Gesch\u00e4ftsjahr au<span class=\"_ _0\"></span>sge-<span class=\"_ _128\"> </span></div></td><td class=\"c x20b y1238 w2f4 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">die am Abschlussstichtag ge-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1239 w2f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x212 y123a w2f6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x20d y123a w2f7 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">bucht wurden<span class=\"_ _128\"> </span></div></td><td class=\"c x20e y123a w2f8 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">halten werden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1bc y123b w9e hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere </div></td><td class=\"c x213 y123b w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.550 </div></td><td class=\"c x208 y123b w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123b w9c hc\"><div class=\"t m0 xac h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">153<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y123c w9e hc\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x213 y123c w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">161.267 </div></td><td class=\"c x208 y123c w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123c w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448 </div></td></tr><tr><td class=\"c x1bc y123d w9e hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen </div></td><td class=\"c x213 y123d w9f hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.666 </div></td><td class=\"c x208 y123d w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123d w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.943 </div></td></tr><tr><td></td><td class=\"c x213 y123e w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x208 y123e w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123e w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.544 </div></td></tr></table><div class=\"gsa\"><table class=\"s w2ec h19d\" id=\"_ec1d5bd5-dacd-421c-b8fe-d00fa5ebda1e\"><tr><td class=\"c x174 y12b7 w8d hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">24) Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b7 wb0 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12b7 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12b8 w8d hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Begebene Schuldverschreibu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y12b8 wb0 hd\"><div class=\"t m0 x8c h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">2.397.353 </div></td><td class=\"c x1e8 y12b8 w82 hd\"><div class=\"t m0 x8c h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">2.192.883 </div></td></tr><tr><td class=\"c x174 y12b9 w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b9 wb0 he\"><div class=\"t m0 xc h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.664 </div></td><td class=\"c x1e8 y12b9 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.764 </div></td></tr><tr><td class=\"c x174 y12ba w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12ba wb0 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12ba w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y12bb w8d hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12bc w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12bc wb0 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x1e8 y12bc w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">107.039 </div></td></tr><tr><td class=\"c x174 y12bd w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12bd wb0 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.010 </div></td><td class=\"c x1e8 y12bd w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.123 </div></td></tr><tr><td class=\"c x174 y12be w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12be wb0 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">794.876 </div></td><td class=\"c x1e8 y12be w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">742.253 </div></td></tr><tr><td class=\"c x174 y12bf w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12bf wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.484.850 </div></td><td class=\"c x1e8 y12bf w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.330.232 </div></td></tr><tr><td class=\"c x174 y12c0 w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12c0 wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12c0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr></table></div><div class=\"gsa\"><table class=\"s w334 h1ae\" id=\"_acc3415c-b036-457f-8c08-ff5ab9b21a5f\"><tr><td class=\"c x239 y1352 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2022<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23a y1354 w335 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23b y1356 w336 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x23c y1356 w337 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Fremd-kapitalinstru-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x23d y1357 wc7 h89\"><div class=\"t m0 x11 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x23e y1357 wc8 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x23f y1357 wc9 h89\"><div class=\"t m0 x79 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x240 y1357 wca h89\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1357 wcb h89\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x242 y1358 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x243 y1358 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td class=\"c x244 y1357 wce h89\"><div class=\"t m0 xa6 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x245 y1357 wcf h89\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x246 y1357 wd0 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1359 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135a wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y135a wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1359 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y1359 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135b w33a h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135c wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x246 y135c wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135e wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td><td class=\"c x246 y135e wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.398<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y135f wc6 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x23d y1360 wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td class=\"c x23e y1360 wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y1360 wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y1360 wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y1360 wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y1360 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x246 y1360 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.192.911<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y135f wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x23e y135f wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y135f wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y135f wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y135f wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y135f wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td><td></td><td class=\"c x246 y135f wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.760.205<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1361 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y1362 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1362 wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1361 wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1361 wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1363 wc6 h8d\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y1364 wc7 h4e\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x23e y1364 wc8 h4e\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1364 wc9 h4e\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1364 wcb h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1364 wcc h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1364 wcd h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1364 wcf h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td class=\"c x246 y1364 wd0 h4e\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.653.467<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1365 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x23d y1363 wc7 h8b\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.342.212 </div></td><td class=\"c x23e y1363 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1363 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1363 wcb h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1363 wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1363 wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1366 wcf h4f\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x246 y1366 wd0 h4f\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.767<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1367 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1368 wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x246 y1368 wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">357.389<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1369 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y136a wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y136a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.812 </div></td><td class=\"c x246 y136a wd0 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">189.451<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1369 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y136b wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y136b wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136b wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136c wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y136c wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136c wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136d wc6 h8a\"><div class=\"t m0 x7 h23 y723 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y136e wc7 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.513.708<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136e wc8 h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136e wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136e wca h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136e wcb h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136e wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136e wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136e wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.425.977<span class=\"ls0\"> </span></div></td><td class=\"c x245 y136e wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.610.612<span class=\"ls0\"> </span></div></td><td class=\"c x246 y136e wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y136d wc7 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.378.327<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136d wc8 h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136d wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136d wca h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136d wcb h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136d wcc h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136d wcd h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136d wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.000.936<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y136f w33c h1b2\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kre-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1370 wc8 h8f\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1370 wc9 h8f\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1370 wce h8f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x246 y1370 wd0 h8f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1371 w33d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">ditinstituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1372 wc8 h8b\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1372 wc9 h8b\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1372 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td><td class=\"c x246 y1372 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.078.306<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1373 w33e h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1374 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1374 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1374 wce h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x246 y1374 wd0 h4f\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.061.355<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1375 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1376 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1376 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1376 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td><td class=\"c x246 y1376 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.046.650<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1377 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x23e y1378 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1378 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1378 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x246 y1378 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.407.017<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1377 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1377 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1377 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td><td class=\"c x246 y1377 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.148.744<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1379 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137a wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">319.622 </div></td><td class=\"c x246 y137a wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">319.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y137b wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y137c wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137c wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.874 </div></td><td class=\"c x246 y137c wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">534.806<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y137b wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y137d wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y137d wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137d wd0 h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137e wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y137e wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137e wd0 h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137f wc6 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x23e y1380 wc8 h8f\"><div class=\"t m0 x4f h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y1380 wc9 h8f\"><div class=\"t m0 x14 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1380 wce h8f\"><div class=\"t m0 x42 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x246 y1380 wd0 h8f\"><div class=\"t m0 x2b h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">479.712<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y137f wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y137f wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y137f wce h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td><td class=\"c x246 y137f wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">458.831<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1381 wc6 h8a\"><div class=\"t m0 x7 h20 y76e ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1382 wcf h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.546.920 </div></td><td class=\"c x246 y1382 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.546.920<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1383 wc6 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x23e y1383 wc8 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1383 wc9 h8b\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1383 wca h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1383 wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.194.489<span class=\"ls0\"> </span></div></td><td class=\"c x245 y1383 wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.166.415<span class=\"ls0\"> </span></div></td><td class=\"c x246 y1383 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1384 wc8 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1384 wc9 h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1384 wca h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1384 wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">20.530.202<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"gsa\"><table class=\"s w340 h1b5\" id=\"_4408c659-2e0c-4a93-a6b7-ce9f48ed4cb7\"><tr><td class=\"c x239 y1385 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2021<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x249 y1386 w336 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x24a y1386 w341 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Fremd-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x24b y1387 wd2 h8c\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x24c y1387 wd3 h8c\"><div class=\"t m0 x8c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x24d y1387 wd4 h8c\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x24e y1387 wcf h8c\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1387 wcf h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x24f y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x250 y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x251 y1387 wd7 h8c\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x252 y1387 wd3 h8c\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x253 y1387 wd8 h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1389 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138a wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y138a wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y1389 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y1389 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138b w33a h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138c wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x253 y138c wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138e wd7 h8b\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td><td class=\"c x253 y138e wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">874.216<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y138f wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x24b y1390 wd2 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td class=\"c x24c y1390 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y1390 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y1390 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y1390 wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y1390 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x253 y1390 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.427.927<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y138f wd2 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x24c y138f wd3 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y138f wd4 h8b\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y138f wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y138f wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y138f wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td><td></td><td class=\"c x253 y138f wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.685.283<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1391 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y1392 wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1392 wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1391 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1391 wd8 h4f\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1393 wd1 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y1394 wd2 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td class=\"c x24c y1394 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1394 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1394 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1394 wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1394 wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1394 wd3 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td class=\"c x253 y1394 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.180.410<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1395 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x24b y1393 wd2 h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.307.671 </div></td><td class=\"c x24c y1393 wd3 h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1393 wd4 h4e\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1393 wcf h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1393 wd5 h4e\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1393 wd6 h4e\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1396 wd3 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x253 y1396 wd8 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.221<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1397 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y1398 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x253 y1398 wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">382.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1399 wd1 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y139a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y139a wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">131.467 </div></td><td class=\"c x253 y139a wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">233.626<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1399 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y139b wd1 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y139b wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139b wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139c wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y139c wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139c wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139d wd1 h8a\"><div class=\"t m0 x7 h23 y751 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y139e wd2 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.320.236<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139e wd3 h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139e wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139e wd5 h4f\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139e wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139e wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.592.529<span class=\"ls0\"> </span></div></td><td class=\"c x252 y139e wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.518.075<span class=\"ls0\"> </span></div></td><td class=\"c x253 y139e wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y139d wd2 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.346.453<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139d wd3 h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139d wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139d wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139d wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139d wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.848.885<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y139f w342 h1b7\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kredit-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a0 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a0 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a0 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x253 y13a0 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.893.338<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a1 w343 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">instituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a2 wd3 h8f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a2 wd4 h8f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a2 wd7 h8f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td><td class=\"c x253 y13a2 wd8 h8f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.829.476<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a3 w33e h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a4 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a4 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a4 wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x253 y13a4 wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.728.589<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a5 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a6 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a6 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a6 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td><td class=\"c x253 y13a6 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.740.368<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a7 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x24c y13a8 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a8 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a8 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x253 y13a8 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.206.647<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13a7 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a7 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a7 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td><td class=\"c x253 y13a7 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.227.883<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a9 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13aa wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">364.803 </div></td><td class=\"c x253 y13aa wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">364.803<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ab wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ac wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13ac wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">462.441 </div></td><td class=\"c x253 y13ac wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">532.058<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y13ab wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y13ad wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ad wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ad wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ae wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y13ae wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ae wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13af wd1 h8d\"><div class=\"t m0 x7 h20 y777 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x24c y13b0 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13b0 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13b0 wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x253 y13b0 wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">496.368<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13af wd3 h8f\"><div class=\"t m0 x13 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13af wd4 h8f\"><div class=\"t m0 x2e h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13af wd7 h8f\"><div class=\"t m0 x4d h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td><td class=\"c x253 y13af wd8 h8f\"><div class=\"t m0 x85 h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">505.276<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b1 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13b2 wd3 h4f\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.317.861 </div></td><td class=\"c x253 y13b2 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.317.861<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b3 wd1 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x24c y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b3 wd4 h4f\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b3 wcf h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b3 wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.788.972<span class=\"ls0\"> </span></div></td><td class=\"c x252 y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.145.105<span class=\"ls0\"> </span></div></td><td class=\"c x253 y13b3 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13b4 wd3 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b4 wd4 h8b\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b4 wcf h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b4 wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.767.033<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table></div>Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es hinsichtlich finanzieller Verm\u00f6genswert<span class=\"_ _0\"></span>e keine Reklassifizierungen aus der Bewertungskategorie z<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im<span class=\"_ _128\"> </span>sonstigen Ergebnis (FV/OCI) in<span class=\"_ _0\"></span> die Bewertungskategorie zu fortgef\u00fchrten Anschaffung<span class=\"_ _0\"></span>sko<span class=\"_ _0\"></span>sten (AC) und kein<span class=\"_ _0\"></span>e Reklassifizierungen aus der Bewertungskategorie zum beizulegenden<span class=\"_ _128\"> </span>Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL) in die Bewertungskategorien zu fo<span class=\"_ _0\"></span>rtgef\u00fchrten Anschaffungskosten (A<span class=\"_ _0\"></span>C) oder zum beizule<span class=\"_ _0\"></span>gend<span class=\"_ _0\"></span>en Zeitwert mit Wert\u00e4nd<span class=\"_ _0\"></span>erungen im sonstigen<span class=\"_ _128\"> </span>Ergebnis (FV/OCI).<table class=\"s w344 h1b8\" id=\"_44922ec6-2ba3-40b7-ba33-225ba6f342a5\"><tr><td class=\"c x178 y13b6 w345 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13b7 w346 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13b8 w347 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13b8 w348 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13b9 w349 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13ba w34a h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13bb w34b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13bb w34c h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13bc w34d h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13bd wdb h92\"><div class=\"t m0 x3b h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td><td class=\"c x25c y13bd wde h92\"><div class=\"t m0 x59 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2022 </div></td><td class=\"c x25d y13bd wdf h92\"><div class=\"t m0 x15 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13bd wdd h92\"><div class=\"t m0 x36 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td></tr><tr><td class=\"c x1bc y13be wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13be wdb h2a\"><div class=\"t m0 xb1 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25c y13be wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">420<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13be wdf h2a\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25e y13be wdd h2a\"><div class=\"t m0 x34 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y13bf wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13bf wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.069 </div></td><td class=\"c x25c y13bf wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">63.395 </div></td><td class=\"c x25d y13bf wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td><td class=\"c x25e y13bf wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td></tr><tr><td class=\"c x1bc y13c0 wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13c0 wdb h12\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.207 </div></td><td class=\"c x25c y13c0 wde h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">101.856 </div></td><td class=\"c x25d y13c0 wdf h12\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td><td class=\"c x25e y13c0 wdd h12\"><div class=\"t m0 x9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td></tr><tr><td class=\"c x1bc y13c1 wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13c1 wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.080 </div></td><td class=\"c x25c y13c1 wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.171 </div></td><td class=\"c x25d y13c1 wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td><td class=\"c x25e y13c1 wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td></tr></table>Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es keine Umgliederungen des kumulierten Gewinn<span class=\"_ _0\"></span>s oder Verlusts innerhalb des Eigenkapitals. <span class=\"_ _1\"></span> <table class=\"s w344 h1ba\" id=\"_d0c76b1b-7115-44fe-b486-32ce8152a8f1\"><tr><td class=\"c x178 y13c2 w345 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c3 w346 h1bc\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13c4 w347 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13c4 w348 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13c5 w349 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c6 w34a h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13c7 w34b h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13c7 w34c h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13c8 w34d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13c9 wdb hc\"><div class=\"t m0 x3b h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td><td class=\"c x25c y13c9 wde hc\"><div class=\"t m0 x59 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2021 </div></td><td class=\"c x25d y13c9 wdf hc\"><div class=\"t m0 x15 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13c9 wdd hc\"><div class=\"t m0 x36 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td></tr><tr><td class=\"c x1bc y13ca wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13ca wdb h2a\"><div class=\"t m0 xc0 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">48</span> </div></td><td class=\"c x25c y13ca wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">587<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13ca wdf h2a\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td><td class=\"c x25e y13ca wdd h2a\"><div class=\"t m0 xd4 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y13cb wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13cb wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.082 </div></td><td class=\"c x25c y13cb wde h12\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">21.888 </div></td><td class=\"c x25d y13cb wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td><td class=\"c x25e y13cb wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td></tr><tr><td class=\"c x1bc y13cc wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13cc wdb hc\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.062 </div></td><td class=\"c x25c y13cc wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.466 </div></td><td class=\"c x25d y13cc wdf hc\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td><td class=\"c x25e y13cc wdd hc\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td></tr><tr><td class=\"c x1bc y13cd wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13cd wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.015 </div></td><td class=\"c x25c y13cd wde h12\"><div class=\"t m0 x2c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.084 </div></td><td class=\"c x25d y13cd wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td><td class=\"c x25e y13cd wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td></tr></table><table class=\"s w34e h1bd\" id=\"_fab075b1-d021-4a36-9e7c-62abc5e55e9f\"><tr><td class=\"c x178 y13cf w345 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13d1 w34f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13d2 w350 h1bc\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13d3 w351 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13d4 w352 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13d5 w353 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13d6 w354 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13d7 w355 h1af\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13d8 w339 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13d9 w356 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13da w357 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13dc w358 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13dd we0 h2a\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13dd we1 h2a\"><div class=\"t m0 x4a h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td class=\"c x26e y13dd we2 h2a\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13de we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13de we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td class=\"c x26e y13de we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13de w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">275<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13de w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table><table class=\"s w34e h1c0\" id=\"_0eabd4bf-0fad-41f3-8d4c-525aed528ca5\"><tr><td class=\"c x178 y13e0 w345 h1c1\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13e1 w34f h1c2\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13e2 w350 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13e3 w351 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13e4 w352 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13e5 w353 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13e6 w354 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13e7 w355 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13e8 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13e9 w356 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13ea w357 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13ec w358 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13ed we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13ed we1 hc\"><div class=\"t m0 x37 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td class=\"c x26e y13ed we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13ee we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13ee we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td class=\"c x26e y13ee we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ee w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ee w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Das <span class=\"_ _0\"></span>maximale Au<span class=\"_ _0\"></span>sfallrisiko <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _1\"></span>Finanzinstrumente <span class=\"_ _0\"></span>im <span class=\"_ _0\"></span>Anwendun<span class=\"_ _0\"></span>gsbereich <span class=\"_ _0\"></span>von <span class=\"_ _0\"></span>IFRS <span class=\"_ _0\"></span>9, <span class=\"_ _0\"></span>auf <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>ie jedo<span class=\"_ _0\"></span>ch <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>Wertminderungsvorschr<span class=\"_ _0\"></span>iften <span class=\"_ _0\"></span>nach <span class=\"_ _0\"></span>IFRS <span class=\"_ _0\"></span>9 <span class=\"_ _0\"></span>keine <span class=\"_ _0\"></span>Anwendunge<span class=\"_ _1\"></span>n <span class=\"_ _0\"></span>fin<span class=\"_ _0\"></span>den, <span class=\"_ _0\"></span>stellt <span class=\"_ _0\"></span>sich<span class=\"_ _128\"> </span>wie folgt dar:<table class=\"s w359 h1c3\" id=\"_6a07c216-da82-4607-b67d-73f4fdd93a95\"><tr><td></td><td class=\"c x270 y13ef we4 hc\"><div class=\"t m0 x4a h23 y84 ff5 fs8 fc2 sc0 ls22 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x271 y13ef wbf hc\"><div class=\"t m0 xe h23 y84 ff5 fs8 fc2 sc0 ls22 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x272 y13f0 w9b h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden FV/PL </div></td><td class=\"c x270 y13f0 we4 h12\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x271 y13f0 wbf h12\"><div class=\"t m0 x4 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td></tr><tr><td class=\"c x272 y13f1 w9b hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen FV/PL </div></td><td class=\"c x270 y13f1 we4 hc\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x271 y13f1 wbf hc\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td></tr><tr><td class=\"c x272 y13f2 w9b h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen FV/OCI </div></td><td class=\"c x270 y13f2 we4 h12\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x271 y13f2 wbf h12\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td></tr><tr><td class=\"c x272 y13f3 w9b hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x270 y13f3 we4 hc\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.654 </div></td><td class=\"c x271 y13f3 wbf hc\"><div class=\"t m0 x4 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td></tr><tr><td class=\"c x272 y13f4 w9b hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td class=\"c x270 y13f4 we4 hc\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td class=\"c x271 y13f4 wbf hc\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td></tr><tr><td class=\"c x272 y13f5 w9b hc\"><div class=\"t m0 x90 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x270 y13f5 we4 hc\"><div class=\"t m0 x72 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">942.867<span class=\"ls0\"> </span></div></td><td class=\"c x271 y13f5 wbf hc\"><div class=\"t m0 x41 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.031.960<span class=\"ls0\"> </span></div></td></tr></table><div class=\"gsa\"><table class=\"s w35a h1c4\" id=\"_3bff9e47-9695-417c-95ea-759119813020\"><tr><td class=\"c x183 y13f6 w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y13f7 w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y13f8 we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y13f9 w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y13f8 we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y13fa we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y13fa we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y13fa wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y13fa w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y13fa w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y13fa wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y13fa wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y13fa wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y13fa wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y13fa wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y13fb w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fc wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fd we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y13fd wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td></td><td class=\"c x277 y13fd w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td></td><td class=\"c x279 y13fd wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">67.874<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y13fd wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">54.183 </div></td><td class=\"c x27b y13fd wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.691 </div></td></tr><tr><td class=\"c x1a7 y13fe we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y13fe w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td class=\"c x279 y13fe wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13fe wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.935 </div></td><td class=\"c x27a y13fe wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">46.720 </div></td><td></td></tr><tr><td class=\"c x1a7 y13ff we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y13ff wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y13ff wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">489.243<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13ff wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">255.170 </div></td><td class=\"c x27a y13ff wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.074 </div></td><td></td></tr><tr><td class=\"c x1a7 y1400 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1400 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td></td><td></td><td class=\"c x279 y1400 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">594.456<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1400 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">326.928 </div></td><td class=\"c x27a y1400 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.122 </div></td><td class=\"c x27b y1400 wef hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">263.405<span class=\"_ _128\"> </span></div><div class=\"t m0 x14 h15 y18f ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1401 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1401 w98 hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1401 wec hd\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1401 wee hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1aa y1402 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1403 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1404 w98 h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1404 wec h44\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1404 wee h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1a7 y1405 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1406 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1406 web he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x279 y1406 wec he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1406 wee he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td></tr><tr><td class=\"c x1a7 y1407 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y1407 we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td></td><td></td><td></td><td class=\"c x27d y1407 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x279 y1407 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.125.037<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1407 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x27b y1407 wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td></tr><tr><td class=\"c x1a7 y1408 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y1408 we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1408 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.470.122<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1408 wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.299.389 </div></td><td class=\"c x27a y1408 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">42.823 </div></td><td></td></tr><tr><td class=\"c x1a7 y1409 wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140b we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y140b wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140b wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">284.307<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140b wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td></tr><tr><td class=\"c x1a7 y140c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y140c wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140c wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">640.406<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140c wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td></tr><tr><td class=\"c x1a7 y140d we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y140d w98 he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td><td></td><td></td><td class=\"c x279 y140d wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.931<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140d wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td></tr><tr><td class=\"c x1aa y140e w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y140f w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1410 w98 h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td class=\"c x279 y1410 wec h28\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">184.551<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1410 wee h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td></tr><tr><td class=\"c x1a7 y1411 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1411 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1411 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">277.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1411 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td></tr><tr><td class=\"c x1a7 y1412 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1413 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1413 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x279 y1413 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1413 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td></tr><tr><td class=\"c x1a7 y1414 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1414 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x279 y1414 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.777.048<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1414 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td></tr><tr><td class=\"c x1a7 y1415 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1415 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x279 y1415 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.766.610<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1415 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td></tr><tr><td class=\"c x1a7 y1416 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1417 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1417 web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x279 y1417 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">202.096<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1417 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td></tr><tr><td class=\"c x178 y1418 w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1419 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gsa\"><table class=\"s w35a h1c6\" id=\"_85c30aae-8563-4bac-b922-b12bc27f00f9\"><tr><td class=\"c x183 y141a w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y141b w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y141c we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y141d w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y141c we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y141e we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y141e we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y141e wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y141e w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y141e w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y141e wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y141e wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y141e wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y141e wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y141e wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y141f w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1420 wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1421 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y1421 wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td></td><td class=\"c x277 y1421 w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td></td><td class=\"c x279 y1421 wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">72.747<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1421 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.234 </div></td><td class=\"c x27b y1421 wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x1a7 y1422 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y1422 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td class=\"c x279 y1422 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1422 wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.614 </div></td><td class=\"c x27a y1422 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.766 </div></td><td></td></tr><tr><td class=\"c x1a7 y1423 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y1423 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1423 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">481.966<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1423 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">239.512 </div></td><td class=\"c x27a y1423 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">242.454 </div></td><td></td></tr><tr><td class=\"c x1a7 y1424 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1424 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td></td><td></td><td class=\"c x279 y1424 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">414.571<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1424 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">168.541 </div></td><td class=\"c x27a y1424 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.096 </div></td><td class=\"c x27b y1424 wef hf\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">241.933</div><div class=\"t m0 x2c h15 y18f ff4 fs5 fc2 sc0 ls0 ws0\"> <span class=\"ls16\">1)</span></div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1425 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1425 w98 hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1425 wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1425 wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1aa y1426 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1427 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1428 w98 h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1428 wec h44\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1428 wee h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1a7 y1429 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142a we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y142a web he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x279 y142a wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142a wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td></tr><tr><td class=\"c x1a7 y142b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y142b we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td></td><td></td><td></td><td class=\"c x27d y142b web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x279 y142b wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.355.180<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142b wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x27b y142b wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td></tr><tr><td class=\"c x1a7 y142c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y142c we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142c wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.283.109<span class=\"ls0\"> </span></div></td><td class=\"c x275 y142c wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.251.320 </div></td><td class=\"c x27a y142c wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.351 </div></td><td></td></tr><tr><td class=\"c x1a7 y142d wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142e we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td class=\"c x18e y142e wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142e wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">25.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142e wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td></tr><tr><td class=\"c x1a7 y142f we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y142f wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142f wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">394.972<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142f wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td></tr><tr><td class=\"c x1a7 y1430 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y1430 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1430 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">768.809<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1430 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td></tr><tr><td class=\"c x1a7 y1431 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y1431 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td><td></td><td></td><td class=\"c x279 y1431 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1431 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td></tr><tr><td class=\"c x1aa y1432 w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1433 w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1434 w98 h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td class=\"c x279 y1434 wec h28\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1434 wee h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td></tr><tr><td class=\"c x1a7 y1435 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1435 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1435 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">346.572<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1435 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td></tr><tr><td class=\"c x1a7 y1436 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1437 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1437 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x279 y1437 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.867.720<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1437 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td></tr><tr><td class=\"c x1a7 y1438 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1438 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x279 y1438 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.333.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1438 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td></tr><tr><td class=\"c x1a7 y1439 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1439 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x279 y1439 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.437.838<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1439 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td></tr><tr><td class=\"c x1a7 y143a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y143b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y143b web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x279 y143b wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">149.797<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y143b wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td></tr><tr><td class=\"c x178 y143c w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>Unter Fair Value versteht man den Pr<span class=\"_ _0\"></span>eis, der in einem geordneten Gesch\u00e4ftsvorfall zwischen<span class=\"_ _0\"></span> MarktteilnehmerInnen am Bi-<span class=\"_ _128\"> </span>lanzstichtag f\u00fcr den Verkauf eines Verm\u00f6gensw<span class=\"_ _0\"></span>erts eingenommen bzw. f\u00fc<span class=\"_ _0\"></span>r die \u00dcbertragung einer Schuld geza<span class=\"_ _0\"></span>h<span class=\"_ _0\"></span>lt werden<span class=\"_ _128\"> </span>w\u00fcrde. Bei der Bemessung des beizulegenden Zeitw<span class=\"_ _0\"></span>erts wird davon<span class=\"_ _0\"></span> ausgegangen, dass der Gesch\u00e4ftsvorfall entweder au<span class=\"_ _0\"></span>f<span class=\"_ _128\"> </span>dem Hauptmarkt f\u00fcr<span class=\"_ _0\"></span> den Verm\u00f6genswert oder die Schuld stattfindet, oder auf d<span class=\"_ _0\"></span>em vorteilhaftesten Markt, sofern kein<span class=\"_ _128\"> </span>Hauptmarkt vorh<span class=\"_ _0\"></span>anden ist und sofern Zugang zu diesen M\u00e4r<span class=\"_ _0\"></span>kten besteht. Sofern es not<span class=\"_ _0\"></span>ierte Preise f\u00fcr idente Verm\u00f6gens-<span class=\"_ _128\"> </span>werte oder Schulden in aktiven M\u00e4rkt<span class=\"_ _0\"></span>en gibt, zu denen am Bilanzstichtag eine Zugangsm\u00f6glichkeit besteh<span class=\"_ _0\"></span>t, werden diese zur<span class=\"_ _128\"> </span>Bewertung herangezogen (Level 1)<span class=\"_ _0\"></span>. Sind keine derart<span class=\"_ _0\"></span>igen Marktpreise verf\u00fcgbar, kommen zur Fair Value Ermitt<span class=\"_ _0\"></span>lung Bewer-<span class=\"_ _128\"> </span>tungsmodelle zum Ein<span class=\"_ _0\"></span>satz, die auf direkt oder indirekt beobachtb<span class=\"_ _0\"></span>aren Parametern beruhen (Level 2). L\u00e4sst sich der Fair Va-<span class=\"_ _128\"> </span>lue weder anhand von Marktpreisen no<span class=\"_ _0\"></span>ch auf Basis v<span class=\"_ _0\"></span>on Bewertungsmod<span class=\"_ _0\"></span>ellen, die sich vollst\u00e4ndig auf direkt oder indirekt<span class=\"_ _128\"> </span>beobachtbare Marktd<span class=\"_ _0\"></span>aten st\u00fctzen, ermitteln, werden einzelne nicht am M<span class=\"_ _0\"></span>arkt beobachtbare Bewertungsparameter anhand<span class=\"_ _128\"> </span>angemessener Annahmen gesch\u00e4t<span class=\"_ _0\"></span>zt (Level 3). S\u00e4mtliche Bewer<span class=\"_ _0\"></span>tungen zum beizulegenden Zeit<span class=\"_ _0\"></span>wert betreffen regelm\u00e4\u00dfige<span class=\"_ _128\"> </span>Bewertungen. Es gab im Berichtszeitraum keine einmaligen Bew<span class=\"_ _0\"></span>ertungen zum beizulegenden Zeitw<span class=\"_ _0\"></span>ert.<span class=\"_ _0\"></span> Bewertungsprozess<span class=\"_ _128\"> </span>Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement der Oberbank ist f\u00fcr die unabh\u00e4n<span class=\"_ _0\"></span>gige \u00dcberwachung und Kommunikation von<span class=\"_ _128\"> </span>Risiken sowie f\u00fcr die Bewertung der Finan<span class=\"_ _0\"></span>zinstrumente zust\u00e4ndig. Sie ist aufbau<span class=\"_ _0\"></span>organisatorisch vom Hand<span class=\"_ _0\"></span>el, der f\u00fcr die Initi-<span class=\"_ _128\"> </span>ierung bzw. den A<span class=\"_ _0\"></span>bschluss der Gesch\u00e4fte zust\u00e4nd<span class=\"_ _0\"></span>ig ist, getrennt. Die Handelsbuchpositionen werden t<span class=\"_ _0\"></span>\u00e4glich zu Gesch\u00e4fts-<span class=\"_ _128\"> </span>schluss mit aktuellen M<span class=\"_ _0\"></span>arktpreisen bewertet. Als Marktpreise werden a<span class=\"_ _0\"></span>ktuelle B\u00f6rsenkurse verwendet soweit ein \u00f6ffentlich notierter M<span class=\"_ _0\"></span>arktpreis zur Verf\u00fcg<span class=\"_ _1\"></span>ung steht.<span class=\"_ _128\"> </span>Wenn eine direkte Bewertun<span class=\"_ _0\"></span>g zu B\u00f6rsenkursen nicht m\u00f6glich ist, werden Modellwert<span class=\"_ _0\"></span>e, die sich aus der Zugrundelegung ak-<span class=\"_ _128\"> </span>tueller beobachtbarer Marktdaten (Zin<span class=\"_ _0\"></span>skurven, Volatilit\u00e4ten,\u2026.) ergeben, verwend<span class=\"_ _0\"></span>et. Diese Marktdaten werden t\u00e4glich vali-<span class=\"_ _128\"> </span>diert und in<span class=\"_ _0\"></span> tourlichen Abst\u00e4nden werden die Modellpreise mit tats\u00e4chlich am Mar<span class=\"_ _0\"></span>kt erzielbaren Preisen verglichen, dabei<span class=\"_ _128\"> </span>werden die Modellpreise der Derivate mit d<span class=\"_ _0\"></span>en Modellwerten der Partnerb<span class=\"_ _0\"></span>anken verglichen. Der Vorstand wird t\u00e4glich \u00fcber<span class=\"_ _128\"> </span>die Risikoposition<span class=\"_ _0\"></span> und die Bewertungsergebnisse aus d<span class=\"_ _0\"></span>en gesamten Handelsbuchpositionen informiert. D<span class=\"_ _0\"></span>ie Ermittlung von<span class=\"_ _128\"> </span>Fair Values zu Finanzinstru<span class=\"_ _0\"></span>menten, die nicht das Handelsbuch betreffen, erfolgt quartalsw<span class=\"_ _0\"></span>eise.<span class=\"_ _0\"></span> Bewertungsverfahren zur Ermittlung des Fair Value<span class=\"_ _0\"></span> Die verwendeten <span class=\"_ _0\"></span>Bewertungsmodelle entsprechen anerkannt<span class=\"_ _0\"></span>en finanzmathematischen Methoden zu<span class=\"_ _0\"></span>r Bewertung von Fi-<span class=\"_ _128\"> </span>nanzinstrument<span class=\"_ _0\"></span>en und ber\u00fccksichtigen alle Faktoren, die die Marktt<span class=\"_ _0\"></span>eilnehmerInnen bei der Festlegung eines Preises als an-<span class=\"_ _128\"> </span>gemessen betrachten<span class=\"_ _0\"></span>. Zur Fair Value Bewertun<span class=\"_ _0\"></span>g kommt als Bewertungsansatz d<span class=\"_ _0\"></span>er einkommensbasierte Ansatz zur Anwen-<span class=\"_ _128\"> </span>dung. Der marktbasierte An<span class=\"_ _0\"></span>satz wird lediglich bei der Fair Value Bewertung von struktur<span class=\"_ _0\"></span>ierten Produkten verwendet.<span class=\"_ _0\"></span> Inputfaktoren zur Berechnung des Fair Value<span class=\"_ _0\"></span> Die Fair Value Bewertun<span class=\"_ _0\"></span>g f\u00fcr Level 1 Finanzinstru<span class=\"_ _0\"></span>mente erfolgt mit an aktiven M\u00e4rkten notierten Preisen. Darunt<span class=\"_ _0\"></span>er fallen<span class=\"_ _128\"> </span>b\u00f6rsennotierte Wertpap<span class=\"_ _0\"></span>iere und Derivate. Wenn eine direkte Bewertung zu B\u00f6rsenkursen<span class=\"_ _0\"></span> nicht m\u00f6glich ist, werden f\u00fcr die<span class=\"_ _128\"> </span>Ermittlung des Zeitwerts in Level 2 Modellwe<span class=\"_ _0\"></span>rte, die sich aus <span class=\"_ _0\"></span>der Zugrundelegung aktueller Marktd<span class=\"_ _0\"></span>aten (Zinskurven, Volatili-<span class=\"_ _128\"> </span>t\u00e4ten, etc.) ergeben<span class=\"_ _0\"></span>, verwendet. Die der Bewertung zugrund<span class=\"_ _0\"></span>e liegenden Zinskurven und Volat<span class=\"_ _0\"></span>ilit\u00e4ten kommen vom System<span class=\"_ _128\"> </span>Refinitiv.<span class=\"_ _128\"> </span>Es kommen anerkannt<span class=\"_ _0\"></span>e Bewertungsmodelle zum Einsat<span class=\"_ _0\"></span>z, wobei die Bewertun<span class=\"_ _0\"></span>g zu Marktbedingungen durchgef\u00fch<span class=\"_ _0\"></span>rt wird. Im<span class=\"_ _128\"> </span>Fall von Derivaten kommt b<span class=\"_ _0\"></span>ei symmetrischen Produkten (z. B. IRS) die Discount<span class=\"_ _0\"></span>ed Cashflow Methode zur<span class=\"_ _0\"></span> Anwendung. Die<span class=\"_ _128\"> </span>beizulegenden Zeitwerte f\u00fcr a<span class=\"_ _0\"></span>symmetrische Produkte (Optionen) werd<span class=\"_ _0\"></span>en mit Standardmethoden (z. B. Black Scholes, Hull &amp;<span class=\"_ _128\"> </span>White, ...) berechnet. F\u00fcr<span class=\"_ _0\"></span> strukturierte Produkte erfolgt die Ermittlun<span class=\"_ _0\"></span>g mit Hilfe der Nutzung von Preisinformation<span class=\"_ _0\"></span>en Dritter<span class=\"_ _0\"></span><span class=\"ls26\">. <span class=\"_ _0\"></span></span> S\u00e4mtliche Derivate werden zu<span class=\"_ _0\"></span>n\u00e4chst gegenparteirisikofrei bewertet. In<span class=\"_ _0\"></span> einem zweiten Schritt wird aufbauend auf intern<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Ausfallswahrscheinlichkeiten auf Basis eines erw<span class=\"_ _0\"></span>arteten Verlusts ein Kreditrisikoabschlag (CVA) ermittelt.<span class=\"_ _1\"></span> Die Zeitwerte f\u00fcr nicht b\u00f6rsennot<span class=\"_ _0\"></span>ierte Wertp<span class=\"_ _0\"></span>apiere werden aus dem System Geos entnommen. D<span class=\"_ _0\"></span>ie Zeitwerte f\u00fcr Anteile an<span class=\"_ _128\"> </span>Fonds werden von d<span class=\"_ _0\"></span>en Fondsgesellschaften \u00fcberno<span class=\"_ _0\"></span>mmen. Die Berechnung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>f\u00fcr Verbriefte Ver-<span class=\"_ _128\"> </span>bindlichkeiten, Nachrangkapit<span class=\"_ _0\"></span>al und Verbindlichkeiten gegen\u00fcbe<span class=\"_ _0\"></span>r Banken und Kund<span class=\"_ _0\"></span>en erfolgt nach der Barwertmethode<span class=\"_ _128\"> </span>(Discounted Cashflow<span class=\"_ _0\"></span>), wobei die Ermittlung der Cashflow<span class=\"_ _0\"></span>s der Eigenen Emissionen auf Basis des Vertragszinssatzes erfolgt.<span class=\"_ _1\"></span> <span class=\"_ _7\"> </span>Zur Abzinsung w<span class=\"_ _0\"></span>ird die der W\u00e4hrung entsprechende Diskontkurve herangezogen, wob<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>i ein der Seniorit\u00e4t entsprechender<span class=\"_ _128\"> </span>Bonit\u00e4ts<span class=\"_ _0\"></span>-Spread der Bank als Aufschlag verwendet wird<span class=\"_ _0\"></span>. Die Bonit\u00e4tsaufschl\u00e4ge werden regelm\u00e4\u00dfig an d<span class=\"_ _0\"></span>ie jeweiligen M<span class=\"_ _0\"></span>arkt-<span class=\"_ _128\"> </span>gegebenheiten angepasst.<span class=\"_ _0\"></span> F\u00fcr die Ermittlung des Zeitwerts in Level 3 kommen an<span class=\"_ _0\"></span>erkannte Bewertungsmod<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>lle zum Einsatz. Die Fair Value Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span>von Forderungen an Ban<span class=\"_ _0\"></span>ken und Kunden basiert auf d<span class=\"_ _0\"></span>en diskontierten Kontrakt<span class=\"_ _0\"></span>-Cash<span class=\"_ _0\"></span>flows (anhand der vertraglichen Til-<span class=\"_ _128\"> </span>gungsstruktur) und<span class=\"_ _0\"></span> den diskontierten Expected Credit Lo<span class=\"_ _0\"></span>ss Cashflows (ber\u00fccksichtigt Bonit\u00e4tseinstu<span class=\"_ _1\"></span>fung der KundInnen und<span class=\"_ _128\"> </span>Sicherheiten) Als Devisenkurs werden<span class=\"_ _0\"></span> die von der EZB ver\u00f6ffentlichten<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Referenzkurse verwendet. E<span class=\"_ _0\"></span>ine m\u00f6gliche Bonit\u00e4tsver-<span class=\"_ _128\"> </span>schlechterung der Kund<span class=\"_ _0\"></span>en hat eine Auswirkung auf die Ermittlung der Fair<span class=\"_ _0\"></span> Values f\u00fcr Level 3 Finanzinstrumente.<span class=\"_ _0\"></span> Be<span class=\"ff9 ls0\">i einer Erh\u00f6hung der R<span class=\"_ _0\"></span>isikoaufschl\u00e4ge um 50 BP w\u00fcrden die zum Fair Valu<span class=\"_ _0\"></span>e bewerteten Forderungen an Kunden u<span class=\"_ _0\"></span>m \u20ac 0,3<span class=\"_ _128\"> </span></span>Mio. (31.12.2021 \u20ac 0,4 Mio.) sin<span class=\"_ _0\"></span>ken, bei einer Erh\u00f6hung d<span class=\"_ _0\"></span>er Risikoaufschl\u00e4ge um 100 BP sinken die Fair Values dieser For<span class=\"_ _0\"></span>de-<span class=\"_ _128\"> </span>rungen um \u20ac 0,5 Mio<span class=\"_ _0\"></span>. (31.12.2021 \u20ac 0,7 Mio.). <span class=\"_ _0\"></span><span class=\"ff4\">Die Ermittlung des Fair Values f\u00fcr Beteiligungen u<span class=\"_ _0\"></span>nd Anteile an verbundenen<span class=\"_ _0\"></span> </span>Unternehmen erfolgt in erst<span class=\"_ _0\"></span>er Linie nach dem Discounted Cashflow Bruttoverfahren<span class=\"_ _0\"></span> bzw. als Mischverfahren (Multiple<span class=\"_ _1\"></span>-Ver-<span class=\"_ _128\"> </span>fahren in Kombination mit D<span class=\"_ _0\"></span>iscounted Cashflow<span class=\"_ _0\"></span> Verfahren) oder mittels anderer Verfahren der Unternehmensb<span class=\"_ _0\"></span>ewertung.<span class=\"_ _0\"></span> \u00c4nderungen in der Fair<span class=\"_ _0\"></span>-Value-Hierarchie bzw. in der Einstufun<span class=\"_ _0\"></span>g erfolgen, wenn sich die Qualit\u00e4t der in den Bewertun<span class=\"_ _0\"></span>gsver-<span class=\"_ _128\"> </span>fahren verwendeten Inputp<span class=\"_ _0\"></span>arameter \u00e4ndert. Die Einstufung<span class=\"_ _0\"></span> wird zum Ende der Bericht<span class=\"_ _0\"></span>speriode ge\u00e4ndert.<span class=\"_ _128\"> </span>Die folgende Tabelle zeigt die En<span class=\"_ _0\"></span>twicklung der Beteiligungen FV/OCI, die zum Fair V<span class=\"_ _0\"></span>alue bewertet werden und<span class=\"_ _0\"></span> dem Level 3<span class=\"_ _128\"> </span>zugeordnet sind. Die Er<span class=\"_ _0\"></span>mittlung des Fair Values f\u00fcr diese Verm\u00f6gensgegenst\u00e4nde erfolgt in<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>rster Linie nach dem Discou<span class=\"_ _0\"></span>n-<span class=\"_ _128\"> </span>ted Cashflow Brutto<span class=\"_ _0\"></span>verfahren bzw. als Mischverfahren (Multiple-Verfah<span class=\"_ _0\"></span>ren in Kombination mit Discou<span class=\"_ _0\"></span>nted Cashflow Verfah-<span class=\"_ _128\"> </span>ren) oder mittels anderer V<span class=\"_ _0\"></span>erfahren der Unternehmensbewertung.<span class=\"_ _0\"></span> <table class=\"s w363 h1c7\" id=\"_127799c0-ffa7-48d8-841d-2b6bce756c1d\"><tr><td class=\"c x174 y143d wf2 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Entwicklung in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x27e y143d w59 hc\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x27f y143d w58 hc\"><div class=\"t m0 x72 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y143e wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x27e y143e w59 hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td class=\"c x27f y143e w58 hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">237.299 </div></td></tr><tr><td class=\"c x174 y143f wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge (K\u00e4ufe) </div></td><td class=\"c x27e y143f w59 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y143f w58 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">511<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1440 wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Verk\u00e4ufe) </div></td><td class=\"c x27e y1440 w59 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1440 w58 hc\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.744 </div></td></tr><tr><td class=\"c x174 y1441 wf2 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erstbewertungen wegen IFRS 9<span class=\"_ _0\"></span> </div></td><td class=\"c x27e y1441 w59 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1441 w58 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1442 wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutrale Bewertungs\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x27e y1442 w59 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.472 </div></td><td class=\"c x27f y1442 w58 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.867 </div></td></tr><tr><td class=\"c x174 y1443 wf2 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksame Bewertungs\u00e4nderu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x27e y1443 w59 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1443 w58 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1444 wf2 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x27e y1444 w59 hc\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">263.405<span class=\"ls0\"> </span></div></td><td class=\"c x27f y1444 w58 hc\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">241.933<span class=\"ls0\"> </span></div></td></tr></table>Das sonstige Ergebnis erh<span class=\"_ _0\"></span>\u00f6hte sich um 19.913 Tsd. Euro (VJ: Erh\u00f6hung u<span class=\"_ _0\"></span>m 12.768 Tsd. Euro) aus diesen Instru<span class=\"_ _0\"></span>menten.<span class=\"_ _0\"></span> Die Bestimmung des Fair Values der zu<span class=\"_ _0\"></span>m Fair Value bewerteten Beteiligungen FV/<span class=\"_ _0\"></span>OCI der Stufe 3 basiert auf folgenden<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> wesentlichen nicht<span class=\"_ _0\"></span> beobachtbaren Inputfaktoren:<table class=\"s w364 h1c8\" id=\"_39171c34-0077-4a19-878d-7dea06da8836\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x280 y1445 w365 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Zusammenhang zwischen wesentlichen, nicht beobachtbare<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x281 y1446 w366 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wesentliche, nicht beobachtbare In-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1446 w367 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Inputfaktoren und der Bewertung zum beizulegenden Zeit-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x281 y1447 w368 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">putfaktoren<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1447 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1448 w36a h1ca\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungen<span class=\"_ _128\"> </span></div></td><td class=\"c x282 y1449 w36b h1cb\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Diskontierungssat<span class=\"_ _0\"></span>z 5,50 %<span class=\"ff9\">\u2013</span>9,86 %<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1449 w36c h1cb\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Der gesch\u00e4tzte beizulegende Zeitw<span class=\"_ _0\"></span>ert w\u00fcrde steigen (sinken),<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y144a w36d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x282 y144b w36e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(VJ<span class=\"_ _128\"> </span></div></td><td class=\"c x283 y144b w36f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">4,59<span class=\"_ _128\"> </span></div></td><td class=\"c x284 y144b w370 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">%<span class=\"ff9\">\u2013</span>8,62<span class=\"_ _128\"> </span></div></td><td class=\"c x285 y144b w371 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">%), gewichtet<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td class=\"c x280 y144b w372 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">wenn der Diskontierun<span class=\"_ _0\"></span>gssatz niedriger (h\u00f6her) w\u00e4re.<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x282 y1161 w373 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Durchschnitt 6,25 % (VJ 5,08<span class=\"_ _0\"></span> <span class=\"ls28\">%</span><span class=\"ls28\">)<span class=\"_ _128\"> </span></span></div></td><td></td></tr></table>F\u00fcr die Fair Values der Bet<span class=\"_ _0\"></span>eiligungen FV/OCI h\u00e4tte eine f\u00fcr<span class=\"_ _0\"></span> m\u00f6glich gehaltene \u00c4nd<span class=\"_ _0\"></span>erung bei einem der wesentlichen, nicht<span class=\"_ _0\"></span> beobachtbaren Inputfaktor<span class=\"_ _0\"></span>en, unter Beibehaltung der anderen In<span class=\"_ _0\"></span>putfaktoren, die nachstehenden Auswir<span class=\"_ _0\"></span>kungen auf das<span class=\"_ _128\"> </span>sonstige Ergebnis nach Steu<span class=\"_ _0\"></span>ern:<table class=\"s w374 h1cc\" id=\"_59949ca6-8dcd-4349-80ea-dad650d39c3e\"><tr><td></td><td class=\"c x286 y144c wf7 h12\" colspan=\"2\"><div class=\"t m0 xf h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x22d y144c wf7 h12\" colspan=\"2\"><div class=\"t m0 xf h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y144d wf6 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. Euro </div></td><td class=\"c x286 y144d waa hf\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung </div></td><td class=\"c x287 y144d wf8 hf\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Minderung </div></td><td class=\"c x22d y144d waa hf\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung </div></td><td class=\"c x176 y144d wf8 hf\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Minderung </div></td></tr><tr><td class=\"c x174 y144e wf6 hf\"><div class=\"t m0 x88 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Diskontierungssat<span class=\"_ _0\"></span>z (0,25 % Ver\u00e4nderung) </div></td><td class=\"c x286 y144e waa hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.353 </div></td><td class=\"c x287 y144e wf8 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.473 </div></td><td class=\"c x22d y144e waa hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.794 </div></td><td class=\"c x176 y144e wf8 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.044 </div></td></tr></table>F\u00fcr weitere Inputfaktor<span class=\"_ _0\"></span>en (z.B. Planwerte) wurde eine Sensitivit\u00e4tsanalyse als n<span class=\"_ _0\"></span>icht aussagekr\u00e4ftig erachtet.<span class=\"_ _0\"></span> Die restlic<span class=\"_ _5\"></span>hen mit <span class=\"_ _5\"></span>dem <span class=\"_ _5\"></span>Fair <span class=\"_ _5\"></span>Value bewerteten Finanzinstrumente <span class=\"_ _5\"></span>in <span class=\"_ _5\"></span>Level 3 <span class=\"_ _3d\"></span>betr<span class=\"_ _0\"></span>effen <span class=\"_ _5\"></span>Forderungen an <span class=\"_ _5\"></span>Kunden, f\u00fcr <span class=\"_ _5\"></span>die <span class=\"_ _5\"></span>die Fair-<span class=\"_ _128\"> </span>Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird. <span class=\"_ _7\"> </span> <div class=\"gs3c\"><table class=\"s w375 h1cd\" id=\"_eb5fb455-7815-4a9c-9e82-a77d405afb89\"><tr><td class=\"c x174 y144f wd hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Entwicklung 2022 in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td class=\"c x288 y144f wfa hc\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td></tr><tr><td class=\"c x174 y1450 wd h2a\"><div class=\"t m0 x7 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x288 y1450 wfa h2a\"><div class=\"t m0 xe3 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x174 y1451 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcbertrag in Level 2 </div></td><td class=\"c x288 y1451 wfa hc\"><div class=\"t m0 xe4 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1452 wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x288 y1452 wfa hc\"><div class=\"t m0 xe5 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.187 </div></td></tr><tr><td class=\"c x174 y1453 wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Tilgungen) </div></td><td class=\"c x288 y1453 wfa h12\"><div class=\"t m0 xe6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-3.068 </div></td></tr><tr><td class=\"c x174 y1454 wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung Mar<span class=\"_ _0\"></span>ktwert </div></td><td class=\"c x288 y1454 wfa hc\"><div class=\"t m0 xe7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">941</span> </div></td></tr><tr><td class=\"c x174 y1455 wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus Abg\u00e4ngen</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y1455 wfa h12\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">105</span> </div></td></tr><tr><td class=\"c x174 y1456 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus in Bestand befindlich</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y1456 wfa hc\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">836</span> </div></td></tr><tr><td class=\"c x174 y1457 wd hc\"><div class=\"t m0 x7 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x288 y1457 wfa hc\"><div class=\"t m0 xe3 h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">13.691<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs17c\"><div class=\"t m0 x3 h5 y7dc ff4 fs2 fc2 sc0 ls0 ws0\">Zwischen Level 1 und Level 2 ist es zu kein<span class=\"_ _0\"></span>en Umschichtungen gekommen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y7dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs17d\"><table class=\"s w375 h1ce\" id=\"_7c99ce77-5c8b-4601-8f9c-1468c72d294a\"><tr><td class=\"c x174 y1458 wd hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung 2021 in <span class=\"ffb\">Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x288 y1458 wfa hc\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td></tr><tr><td class=\"c x174 y1459 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x288 y1459 wfa hc\"><div class=\"t m0 xe3 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.301 </div></td></tr><tr><td class=\"c x174 y145a wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcbertrag in Level 2 </div></td><td class=\"c x288 y145a wfa hc\"><div class=\"t m0 xe4 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y145b wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x288 y145b wfa h12\"><div class=\"t m0 xe4 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y145c wd h2a\"><div class=\"t m0 x7 h5 y7e1 ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Tilgungen) </div></td><td class=\"c x288 y145c wfa h2a\"><div class=\"t m0 xe8 h5 y7e1 ff4 fs2 fc2 sc0 ls0 ws0\">-31.172 </div></td></tr><tr><td class=\"c x174 y145d wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung Mar<span class=\"_ _0\"></span>ktwert </div></td><td class=\"c x288 y145d wfa h12\"><div class=\"t m0 xe6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-2.616 </div></td></tr><tr><td class=\"c x174 y145e wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus Abg\u00e4ngen</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y145e wfa hc\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">182</span> </div></td></tr><tr><td class=\"c x174 y145f wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus in Bestand befindlich</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y145f wfa hc\"><div class=\"t m0 xe6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-2.434 </div></td></tr><tr><td class=\"c x174 y1460 wd hc\"><div class=\"t m0 x7 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x288 y1460 wfa hc\"><div class=\"t m0 xe3 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">16.513<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"c w3 h3 gs17c\"><div class=\"t m0 x3 h5 y7e5 ff4 fs2 fc2 sc0 ls0 ws0\">Zwischen Level 1 und Level 2 ist es zu kein<span class=\"_ _0\"></span>en Umschichtungen gekommen.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y647 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y7e6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div>Aufrechnung von finanziellen Verm\u00f6genswerten und Ver<span class=\"_ _0\"></span>pflichtungen (in Tsd. \u20ac) nach Ma\u00df<span class=\"_ _0\"></span>gabe der Kriterien in IAS 32 un<span class=\"_ _0\"></span>d IFRS 7<span class=\"_ _1\"></span><span class=\"ff5\"> </span><table class=\"s w376 h1cf\" id=\"_f8985a21-03f0-4ef6-8b81-26f51abd953b\"><tr><td></td><td></td><td></td><td></td><td class=\"c x289 y1461 w100 hc\" colspan=\"2\"><div class=\"t m0 x33 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Nicht bilanzierte Betr\u00e4ge </div></td><td></td></tr><tr><td></td><td class=\"c x28a y1462 w377 h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Finanz. Verm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x28b y1462 w378 h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Aufgerechnete bi-<span class=\"_ _128\"> </span></div></td><td class=\"c x28c y1462 w379 h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzierte finanz.<span class=\"_ _128\"> </span></div></td><td class=\"c x28d y1462 w37a h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Effekte von Aufrech-<span class=\"_ _128\"> </span></div></td><td class=\"c x28e y1462 w37b h1d0\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten in Form v.<span class=\"_ _128\"> </span></div></td><td class=\"c x28f y1463 w77 h35\"><div class=\"t m0 x6c h6 y7ce ff5 fs2 fc2 sc0 ls0 ws0\">Nettobetrag </div></td></tr><tr><td></td><td class=\"c x290 y1464 w37c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x291 y1464 w37d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">lanzierte Betr\u00e4ge<span class=\"_ _128\"> </span></div></td><td class=\"c x292 y1464 w37e h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x293 y1464 w37f h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">nungsvereinbarungen<span class=\"_ _128\"> </span></div></td><td class=\"c x294 y1464 w380 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Finanzinstrumenten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x295 y1465 w381 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">brutto<span class=\"_ _128\"> </span></div></td><td class=\"c x296 y1465 w381 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">brutto<span class=\"_ _128\"> </span></div></td><td class=\"c x297 y1465 w382 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">netto<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1466 w102 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte 31.12.2022<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1467 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x298 y1467 w103 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x299 y1467 w105 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td></td><td class=\"c x28f y1467 w77 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td></tr><tr><td class=\"c x1a7 y1468 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x298 y1468 w103 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.676.755 </div></td><td class=\"c x29a y1468 w104 hf\"><div class=\"t m0 x2e h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-483.844 </div></td><td class=\"c x299 y1468 w105 hf\"><div class=\"t m0 x11 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td><td></td><td></td><td class=\"c x28f y1468 w77 hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td></tr><tr><td class=\"c x1a7 y1469 w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y1469 w103 hf\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">85.256 </div></td><td></td><td class=\"c x299 y1469 w105 hf\"><div class=\"t m0 x38 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">85.256 </div></td><td class=\"c x29b y1469 w106 hf\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-55.275 </div></td><td class=\"c x29c y1469 w107 hf\"><div class=\"t m0 x35 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-13.262 </div></td><td class=\"c x28f y1469 w77 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">16.719 </div></td></tr><tr><td class=\"c x1a7 y146a w102 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y146a w103 hf\"><div class=\"t m0 x5b h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.819.215<span class=\"ls0\"> </span></div></td><td class=\"c x29a y146a w104 hf\"><div class=\"t m0 x2e h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">483.844</span> </div></td><td class=\"c x299 y146a w105 hf\"><div class=\"t m0 x4d h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.335.371<span class=\"ls0\"> </span></div></td><td class=\"c x29b y146a w106 hf\"><div class=\"t m0 xd4 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">55.275</span> </div></td><td class=\"c x29c y146a w107 hf\"><div class=\"t m0 x35 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">13.262</span> </div></td><td class=\"c x28f y146a w77 hf\"><div class=\"t m0 x70 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.266.834<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y146b w102 hd\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten 31.12.2022<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y146c w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x298 y146c w103 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x299 y146c w105 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td></td><td class=\"c x28f y146c w77 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td></tr><tr><td class=\"c x1a7 y146d w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kunden </div></td><td class=\"c x298 y146d w103 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.545.199 </div></td><td class=\"c x29a y146d w104 hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-483.844 </div></td><td class=\"c x299 y146d w105 hf\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td></td><td></td><td class=\"c x28f y146d w77 hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td></tr><tr><td class=\"c x183 y146e w383 h1d1\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten aus \u00fcb<span class=\"_ _0\"></span>ertragenen Zentralbankeinlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x298 y146f w103 h99\"><div class=\"t m0 x2c h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td></td><td class=\"c x299 y146f w105 h99\"><div class=\"t m0 xd h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td></td><td class=\"c x29c y146f w107 h99\"><div class=\"t m0 xd4 h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">-792.081 </div></td><td class=\"c x28f y146f w77 h99\"><div class=\"t m0 x3 h5 y7cf ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x183 y1470 w384 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und Wertpapierp<span class=\"_ _0\"></span>ensionsgesch\u00e4ften<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1471 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y1471 w103 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">233.823 </div></td><td></td><td class=\"c x299 y1471 w105 hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">233.823 </div></td><td class=\"c x29b y1471 w106 hf\"><div class=\"t m0 x4 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-55.275 </div></td><td class=\"c x29c y1471 w107 hf\"><div class=\"t m0 xd4 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-138.368 </div></td><td class=\"c x28f y1471 w77 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">40.180 </div></td></tr><tr><td class=\"c x1a7 y1472 w102 hf\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y1472 w103 hf\"><div class=\"t m0 x5b h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">21.019.838<span class=\"ls0\"> </span></div></td><td class=\"c x29a y1472 w104 hf\"><div class=\"t m0 x2e h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">483.844</span> </div></td><td class=\"c x299 y1472 w105 hf\"><div class=\"t m0 x4d h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">20.535.994<span class=\"ls0\"> </span></div></td><td class=\"c x29b y1472 w106 hf\"><div class=\"t m0 xd4 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">55.275</span> </div></td><td class=\"c x29c y1472 w107 hf\"><div class=\"t m0 xd4 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">930.449</span> </div></td><td class=\"c x28f y1472 w77 hf\"><div class=\"t m0 x70 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">19.550.270<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1473 w102 he\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte 31.12.2021<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1474 w102 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x298 y1474 w103 hf\"><div class=\"t m0 x2c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x299 y1474 w105 hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td></td><td class=\"c x28f y1474 w77 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr><tr><td class=\"c x1a7 y1475 w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x298 y1475 w103 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">18.796.932 </div></td><td class=\"c x29a y1475 w104 hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-369.005 </div></td><td class=\"c x299 y1475 w105 hf\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td><td></td><td></td><td class=\"c x28f y1475 w77 hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x1a7 y1476 w102 hd\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y1476 w103 hd\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">137.331 </div></td><td></td><td class=\"c x299 y1476 w105 hd\"><div class=\"t m0 xd h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">137.331 </div></td><td class=\"c x29b y1476 w106 hd\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-44.603 </div></td><td class=\"c x29c y1476 w107 hd\"><div class=\"t m0 x35 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-52.844 </div></td><td class=\"c x28f y1476 w77 hd\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">39.884 </div></td></tr><tr><td class=\"c x1a7 y1477 w102 he\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y1477 w103 he\"><div class=\"t m0 x5b h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">19.807.824<span class=\"ls0\"> </span></div></td><td class=\"c x29a y1477 w104 he\"><div class=\"t m0 x2e h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">369.005</span> </div></td><td class=\"c x299 y1477 w105 he\"><div class=\"t m0 x4d h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">19.438.819<span class=\"ls0\"> </span></div></td><td class=\"c x29b y1477 w106 he\"><div class=\"t m0 xd4 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">44.603</span> </div></td><td class=\"c x29c y1477 w107 he\"><div class=\"t m0 x35 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">52.844</span> </div></td><td class=\"c x28f y1477 w77 he\"><div class=\"t m0 x70 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">19.341.372<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1478 w102 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten 31.12.2021<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1479 w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x298 y1479 w103 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td class=\"c x299 y1479 w105 hf\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td></td><td class=\"c x28f y1479 w77 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x1a7 y147a w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten Kunden </div></td><td class=\"c x298 y147a w103 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.097.594 </div></td><td class=\"c x29a y147a w104 hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-369.005 </div></td><td class=\"c x299 y147a w105 hf\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td><td></td><td></td><td class=\"c x28f y147a w77 hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x183 y147b w383 h1d2\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten aus \u00fcb<span class=\"_ _0\"></span>ertragenen Zentralbankeinlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x298 y147c w103 h9b\"><div class=\"t m0 x3f h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td><td></td><td class=\"c x299 y147c w105 h9b\"><div class=\"t m0 x2c h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td><td></td><td class=\"c x29c y147c w107 h9b\"><div class=\"t m0 x3 h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">-2.392.523 </div></td><td class=\"c x28f y147c w77 h9b\"><div class=\"t m0 x3 h5 y7fd ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x183 y147d w384 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">und Wertpapierp<span class=\"_ _0\"></span>ensionsgesch\u00e4ften<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y147e w102 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Derivate </div></td><td class=\"c x298 y147e w103 hf\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">69.086 </div></td><td></td><td class=\"c x299 y147e w105 hf\"><div class=\"t m0 x38 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">69.086 </div></td><td class=\"c x29b y147e w106 hf\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-44.603 </div></td><td class=\"c x29c y147e w107 hf\"><div class=\"t m0 x12 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-9.340 </div></td><td class=\"c x28f y147e w77 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.143 </div></td></tr><tr><td class=\"c x1a7 y147f w102 he\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x298 y147f w103 he\"><div class=\"t m0 x5b h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">23.452.541<span class=\"ls0\"> </span></div></td><td class=\"c x29a y147f w104 he\"><div class=\"t m0 x2e h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">369.005</span> </div></td><td class=\"c x299 y147f w105 he\"><div class=\"t m0 x4d h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">23.083.536<span class=\"ls0\"> </span></div></td><td class=\"c x29b y147f w106 he\"><div class=\"t m0 xd4 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">44.603</span> </div></td><td class=\"c x29c y147f w107 he\"><div class=\"t m0 x3 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">2.401.863</span> </div></td><td class=\"c x28f y147f w77 he\"><div class=\"t m0 x70 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">20.637.070<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1481 w385 h1d3\"><div class=\"t m0 x177 h17 y1480 ff9 fs4 fc2 sc0 ls0 ws0\">Die Spalte<span class=\"_ _5\"></span> \u201eAufgerechn<span class=\"_ _5\"></span>ete bilanzierte Be<span class=\"_ _5\"></span>tr\u00e4ge brutto<span class=\"_ _5\"></span>\" weist je<span class=\"_ _5\"></span>ne Betr\u00e4ge aus, die n<span class=\"_ _5\"></span>ach Ma\u00dfgabe v<span class=\"_ _5\"></span>on IAS 32 saldie<span class=\"_ _5\"></span>rt werde<span class=\"_ _5\"></span>n d\u00fcrfen. In der Spalte \u201eEffekt<span class=\"_ _5\"></span>e von Aufrec<span class=\"_ _5\"></span>hnungsvereinbar<span class=\"_ _5\"></span>ungen\u201c werden <span class=\"_ _5\"></span>Betr\u00e4ge, d<span class=\"_ _5\"></span>ie einer Globa<span class=\"_ _5\"></span>lnetting-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">vereinba<span class=\"_ _5\"></span>rung unterlie<span class=\"_ _5\"></span>gen, ausgewiesen. B<span class=\"_ _5\"></span>ei die<span class=\"_ _5\"></span>sen Globalverrechn<span class=\"_ _5\"></span>ungsvertr\u00e4gen mit<span class=\"_ _5\"></span> KundInnen hande<span class=\"_ _5\"></span>lt es sich um stan<span class=\"_ _5\"></span>dardisie<span class=\"_ _5\"></span>rte Derivate-Rahmenver<span class=\"_ _5\"></span>einbarungen. M<span class=\"_ _5\"></span>it Banken <span class=\"_ _5\"></span>werden standardisi<span class=\"_ _5\"></span>erte Rahmenv<span class=\"_ _5\"></span>ertr\u00e4ge wie ISDA<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1295 w386 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">abgeschlosse<span class=\"_ _5\"></span>n. ISDA-Vertr\u00e4ge sind<span class=\"_ _5\"></span> Globalne<span class=\"_ _5\"></span>ttingvereinb<span class=\"_ _5\"></span>arungen (Rah<span class=\"_ _5\"></span>menvertrag) der<span class=\"_ _5\"></span> International Swaps<span class=\"_ _5\"></span> and Deri<span class=\"_ _5\"></span>vatives Assoc<span class=\"_ _5\"></span>iation (ISDA). Die Oberba<span class=\"_ _5\"></span>nk AG ver<span class=\"_ _5\"></span>wendet diese Aufre<span class=\"_ _5\"></span>chnungsvereinb<span class=\"_ _5\"></span>arungen zur Re<span class=\"_ _5\"></span>duktion von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w387 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Risike<span class=\"_ _5\"></span>n bei Derivate<span class=\"_ _5\"></span>n im Falle eines <span class=\"_ _5\"></span>Ausfalls einer G<span class=\"_ _5\"></span>egenpartei. Aufgrun<span class=\"_ _5\"></span>d dieser Vertr<span class=\"_ _5\"></span>\u00e4ge erfolgt dann ei<span class=\"_ _5\"></span>ne Nettoabwick<span class=\"_ _5\"></span>lung \u00fcber al<span class=\"_ _5\"></span>le derivative<span class=\"_ _5\"></span>n Transaktione<span class=\"_ _5\"></span>n, wobei die Ve<span class=\"_ _5\"></span>rm\u00f6genswerte<span class=\"_ _5\"></span> und Verbi<span class=\"_ _5\"></span>ndlichkeiten sal<span class=\"_ _5\"></span>diert werden.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w388 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Wenn die Ne<span class=\"_ _5\"></span>ttoposition zus\u00e4t<span class=\"_ _5\"></span>zlich mit e<span class=\"_ _5\"></span>rhaltenen <span class=\"_ _5\"></span>oder gegebenen B<span class=\"_ _5\"></span>arsicherhei<span class=\"_ _5\"></span>ten (z. B. Margink<span class=\"_ _5\"></span>onten) a<span class=\"_ _5\"></span>bgesichert wi<span class=\"_ _5\"></span>rd <span class=\"ff9\">erfolgt der Ausweis i<span class=\"_ _5\"></span>n der Spalte \u201eSi<span class=\"_ _5\"></span>cherheite<span class=\"_ _5\"></span>n in Form von Finanzins<span class=\"_ _5\"></span>trumente<span class=\"_ _5\"></span>n\u201c. Diese Abs<span class=\"_ _5\"></span>icherung basier<span class=\"_ _5\"></span>t auf<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w389 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">mit Banke<span class=\"_ _5\"></span>n abgeschloss<span class=\"_ _5\"></span>enen CSA-Vertr\u00e4gen (<span class=\"_ _5\"></span>Credit Suppo<span class=\"_ _5\"></span>rt Annex). In di<span class=\"_ _5\"></span>esen Vereinbar<span class=\"_ _5\"></span>ungen sind die gr<span class=\"_ _5\"></span>undlegenden Be<span class=\"_ _5\"></span>stimmungen zur Siche<span class=\"_ _5\"></span>rheitenak<span class=\"_ _5\"></span>z<span class=\"ff9\">eptanz festgelegt. Die<span class=\"_ _5\"></span> Spalte \u201eSicher<span class=\"_ _5\"></span>heiten in <span class=\"_ _5\"></span>Form von Finanzins<span class=\"_ _5\"></span>trumenten\u201c<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w38a h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">umfasst die<span class=\"_ _5\"></span> bezogen auf di<span class=\"_ _5\"></span>e Gesamtsumme der Ve<span class=\"_ _5\"></span>rm\u00f6genswer<span class=\"_ _5\"></span>te und Ve<span class=\"_ _5\"></span>rbindlichkeit<span class=\"_ _5\"></span>en erhaltenen <span class=\"_ _5\"></span>bzw. gegebenen <span class=\"_ _5\"></span>Sicherheit<span class=\"_ _5\"></span>en in Form von Finanzinstrument<span class=\"_ _5\"></span>en.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><div class=\"gsa\"><table class=\"s w2d4 h1d9\" id=\"_16673d83-9fd1-4410-a492-e0097289ce8d\"><tr><td class=\"c x174 y14e4 wb1 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">35) Als Sicherheit gestellte Ver<span class=\"_ _0\"></span>m\u00f6gensgegenst\u00e4nde<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e4 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y14e4 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y14e5 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr M\u00fcndelgeldspar<span class=\"_ _0\"></span>einlagen </div></td><td class=\"c x1e7 y14e5 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.996 </div></td><td class=\"c x1e8 y14e5 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.152 </div></td></tr><tr><td class=\"c x174 y14e6 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr fund<span class=\"_ _0\"></span>ierte Bankschuldverschreibungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e6 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.766 </div></td><td class=\"c x1e8 y14e6 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.766 </div></td></tr><tr><td class=\"c x174 y14e7 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr hypoth<span class=\"_ _0\"></span>ekarisch fundierte Bankschuldverschreib. <span class=\"_ _0\"></span>(Liqu<span class=\"_ _0\"></span>idit\u00e4tspuffer) </div></td><td class=\"c x1e7 y14e7 w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.496.781 </div></td><td class=\"c x1e8 y14e7 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.606.570 </div></td></tr><tr><td class=\"c x174 y14e8 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Margindeckung bzw<span class=\"_ _0\"></span>. Arrangement-Kaution f\u00fcr<span class=\"_ _0\"></span> Wertpapiergesch\u00e4fte und Derivate<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e8 w74 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">241.415 </div></td><td class=\"c x1e8 y14e8 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.319 </div></td></tr><tr><td class=\"c x174 y14e9 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sicherstellung f\u00fcr Euroclear<span class=\"_ _0\"></span>-Kreditlinie </div></td><td class=\"c x1e7 y14e9 w74 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y14e9 w82 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ea wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sicherstellung f\u00fcr EIB<span class=\"_ _0\"></span>-Globaldarlehensgew\u00e4hrun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y14ea w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.861 </div></td><td class=\"c x1e8 y14ea w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">93.856 </div></td></tr><tr><td class=\"c x174 y14eb wb1 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere und Ford<span class=\"_ _0\"></span>erungen f\u00fcr Refinanzierungsgesch\u00e4fte mit der OeNB<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14eb w74 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td class=\"c x1e8 y14eb w82 hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td></tr><tr><td class=\"c x178 y14ec w3ad h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere als Sicherstellung f\u00fcr<span class=\"_ _0\"></span> das Refinanzierungsprogramm mit der un<span class=\"_ _0\"></span>garischen<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y14ed w3ae h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Nationalbank<span class=\"_ _128\"> </span></div></td><td class=\"c x1e7 y14ee w74 h28\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">103.196 </div></td><td class=\"c x1e8 y14ee w82 h28\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">115.123 </div></td></tr><tr><td class=\"c x174 y14ef wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An die Oesterreichische Kontro<span class=\"_ _0\"></span>llbank (OeKB) zedierte Forderu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y14ef w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.486.805 </div></td><td class=\"c x1e8 y14ef w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.425.392 </div></td></tr><tr><td class=\"c x174 y14f0 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An deutsche F\u00f6rderb<span class=\"_ _0\"></span>anken zedierte Forderungen </div></td><td class=\"c x1e7 y14f0 w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.263.763 </div></td><td class=\"c x1e8 y14f0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.424.743 </div></td></tr><tr><td class=\"c x174 y14f1 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An die ungarische Nationalb<span class=\"_ _0\"></span>ank und an F\u00f6rderbanken in Ungarn zedierte Forderungen<span class=\"_ _1\"></span> </div></td><td class=\"c x1e7 y14f1 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">71.632 </div></td><td class=\"c x1e8 y14f1 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.884 </div></td></tr><tr><td class=\"c x174 y14f2 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere zur Deckun<span class=\"_ _0\"></span>g der Pensionsr\u00fcckstellun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y14f2 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.111 </div></td><td class=\"c x1e8 y14f2 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.085 </div></td></tr><tr><td class=\"c x174 y14f3 wb1 h44\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktivposten als Sicherheitsleistun<span class=\"_ _0\"></span>g f\u00fcr die CCP Austria GmbH als Clearing-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stelle f\u00fcr B\u00f6rsengesch\u00e4fte </div></td><td class=\"c x1e7 y14f3 w74 h44\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">406<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y14f3 w82 h44\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td></tr></table></div>Als Sicherheit gestellte Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>7.638.812<span class=\"_ _128\"> </span>8.285.880<span class=\"_ _128\"> </span>Die Stell<span class=\"_ _5\"></span>ung von Sicherhe<span class=\"_ _5\"></span>iten erfolgt nach de<span class=\"_ _5\"></span>n handels\u00fc<span class=\"_ _5\"></span>blichen oder gese<span class=\"_ _5\"></span>tzlichen Be<span class=\"_ _5\"></span>stimmungen.<span class=\"fsc\"> </span>36) Nachrangige Verm\u00f6gensgegenst\u00e4nde in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Forderungen an Kredit<span class=\"_ _0\"></span>institute<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Forderungen an Kunden<span class=\"_ _128\"> </span>39.228<span class=\"_ _128\"> </span>55.479<span class=\"_ _128\"> </span>Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpap<span class=\"_ _0\"></span>iere<span class=\"_ _128\"> </span>14.269<span class=\"_ _128\"> </span>5.287<span class=\"_ _128\"> </span>Andere nicht festverzinsliche Wertpap<span class=\"_ _0\"></span>iere<span class=\"_ _128\"> </span>16.609<span class=\"_ _128\"> </span>15.276<span class=\"_ _128\"> </span>Nachrangige Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>70.106<span class=\"_ _128\"> </span>76.042<span class=\"_ _128\"> </span>37) Fremdw\u00e4hrungsvolumina in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Aktiva<span class=\"_ _128\"> </span>3.382.827<span class=\"_ _128\"> </span>3.206.787<span class=\"_ _128\"> </span>Passiva<span class=\"_ _128\"> </span>2.543.824<span class=\"_ _128\"> </span>2.335.636<span class=\"_ _128\"> </span>Hierzu sei auc<span class=\"_ _5\"></span>h auf de<span class=\"_ _5\"></span>n Risikobericht unte<span class=\"_ _5\"></span>r Note 42 ff<span class=\"_ _5\"></span> verwiesen.<span class=\"fsc\"> </span>38) Treuhandverm\u00f6gen in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Treuhandkredite 414.928<span class=\"_ _128\"> </span>385.693<span class=\"_ _128\"> </span>Treuhandbeteiligungen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Treuhandverm\u00f6gen<span class=\"_ _128\"> </span>414.928<span class=\"_ _128\"> </span>385.693<span class=\"_ _128\"> </span>Darunter<span class=\"_ _5\"></span> <span class=\"_ _0\"></span>fallen ERP<span class=\"_ _0\"></span>-Kredite, f\u00fcr <span class=\"_ _0\"></span>die d<span class=\"_ _0\"></span>ie Oberbank <span class=\"_ _0\"></span>nur <span class=\"_ _0\"></span>das <span class=\"_ _0\"></span>Gestionsrisik<span class=\"_ _5\"></span>o <span class=\"_ _0\"></span>tr\u00e4gt. <span class=\"_ _0\"></span>Die Treuhandgesch\u00e4fte der <span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>-Banken Wohnbaubank AG <span class=\"_ _0\"></span>mit <span class=\"_ _0\"></span>der <span class=\"_ _0\"></span>BKS<span class=\"_ _128\"> </span>Bank AG und d<span class=\"_ _5\"></span>er Bank f\u00fcr<span class=\"_ _5\"></span> Tirol und Vorarl<span class=\"_ _5\"></span>berg AG werde<span class=\"_ _5\"></span>n direkt beim Emi<span class=\"_ _5\"></span>ttent<span class=\"_ _5\"></span>en ausgewiesen.<div class=\"gsa\"><table class=\"s w3ec h1ec\" id=\"_d2b61aa7-75bf-42f4-862c-f5785df8330f\"><tr><td></td><td class=\"c x2f1 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td><td class=\"c x2f2 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1599 w13d h3a\"><div class=\"t m0 x90 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div></td><td class=\"c x2f3 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f4 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y159b w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kredite und Forderungen </div></td><td class=\"c x1e1 y159b w13e h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.503.848 </div></td><td class=\"c x2f5 y159b w13f h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.574.646 </div></td></tr><tr><td class=\"c x1dc y159c w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche Wertpap<span class=\"_ _0\"></span>iere  </div></td><td class=\"c x1e1 y159c w13e h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.088.027 </div></td><td class=\"c x2f5 y159c w13f h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.654.997 </div></td></tr><tr><td class=\"c x1dc y159d w13d h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _0\"></span> und Eventualverbindlichkeiten  </div></td><td class=\"c x1e1 y159d w13e h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.211.812 </div></td><td class=\"c x2f5 y159d w13f h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.074.169 </div></td></tr><tr><td class=\"c x1dc y159e w13d h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x1e1 y159e w13e h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td><td class=\"c x2f5 y159e w13f h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"gsa\"><table class=\"s w3ee h1ee\" id=\"_5ed34ed4-b5f5-414f-842a-024de4a61eb0\"><tr><td class=\"c x178 y159f w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y159f w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y159f w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15a0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15a1 w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15a1 w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15a1 w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15a2 w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15a3 w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15a4 w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15a5 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15a5 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.955.866 </div></td><td class=\"c x2ff y15a5 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.028.476 </div></td><td class=\"c x300 y15a5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.412.004 </div></td><td class=\"c x2fc y15a5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.396.346 </div></td></tr><tr><td class=\"c x1dc y15a6 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15a6 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.579.314 </div></td><td class=\"c x2ff y15a6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.250 </div></td><td class=\"c x300 y15a6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.713.917 </div></td><td class=\"c x2fc y15a6 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.352.481 </div></td></tr><tr><td class=\"c x1dc y15a7 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15a7 w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">447.970 </div></td><td class=\"c x2ff y15a7 w143 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a7 w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.263 </div></td><td class=\"c x2fc y15a7 w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">504.533 </div></td></tr><tr><td class=\"c x1dc y15a8 w141 h38\"><div class=\"t m0 x90 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15a8 w142 h38\"><div class=\"t m0 xf h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">520.699 </div></td><td></td><td class=\"c x300 y15a8 w144 h38\"><div class=\"t m0 x109 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">29.628 </div></td><td class=\"c x2fc y15a8 w145 h38\"><div class=\"t m0 x2e h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">550.328 </div></td></tr><tr><td class=\"c x1dc y15a9 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15a9 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15a9 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a9 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15a9 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15aa w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15aa w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15aa w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15ab w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15ac w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15ac w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15ac w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15ad w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15ae w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15af w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b0 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15b0 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.692.500 </div></td><td class=\"c x2ff y15b0 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.584.251 </div></td><td class=\"c x300 y15b0 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.197.267 </div></td><td class=\"c x2fc y15b0 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.474.018 </div></td></tr><tr><td class=\"c x1dc y15b1 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15b1 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.900.852 </div></td><td class=\"c x2ff y15b1 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">70.446 </div></td><td class=\"c x300 y15b1 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.750.412 </div></td><td class=\"c x2fc y15b1 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.721.709 </div></td></tr><tr><td class=\"c x1dc y15b2 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15b2 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">597.510 </div></td><td class=\"c x2ff y15b2 w143 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b2 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.031 </div></td><td class=\"c x2fc y15b2 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">691.841 </div></td></tr><tr><td class=\"c x1dc y15b3 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15b3 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">383.784 </div></td><td></td><td class=\"c x300 y15b3 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32.460 </div></td><td class=\"c x2fc y15b3 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.244 </div></td></tr><tr><td class=\"c x1dc y15b4 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15b4 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15b4 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b4 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15b4 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"gsa\"><table class=\"s w3ee h1ef\" id=\"_0279eed4-b7fe-4a0d-827b-d34f1ccc5c56\"><tr><td class=\"c x178 y15b5 w3f8 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x301 y15b5 w3f0 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x302 y15b5 w3f1 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x303 y15b5 w3f9 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _128\"> </span></div></td><td class=\"c x304 y15b6 w103 h3b\"><div class=\"t m0 x54 h6 y93f ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y15b7 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15b7 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x305 y15b7 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2af y15b7 w3fa h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">und Eventualverbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15b8 w54 h37\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.317.774 </div></td><td class=\"c x306 y15b8 w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">677.885 </div></td><td class=\"c x307 y15b8 w148 h37\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.434.837 </div></td><td class=\"c x304 y15b8 w103 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.430.497 </div></td></tr><tr><td class=\"c x1dc y15b9 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15b9 w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.627.064 </div></td><td class=\"c x306 y15b9 w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.687 </div></td><td class=\"c x307 y15b9 w148 h39\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.093.754 </div></td><td class=\"c x304 y15b9 w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.850.505 </div></td></tr><tr><td class=\"c x1dc y15ba w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15ba w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.196.334 </div></td><td class=\"c x306 y15ba w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">384.573 </div></td><td class=\"c x307 y15ba w148 h39\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.908 </div></td><td class=\"c x304 y15ba w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.135.815 </div></td></tr><tr><td class=\"c x1dc y15bb w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15bb w54 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">196.100 </div></td><td class=\"c x306 y15bb w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">309.886 </div></td><td class=\"c x307 y15bb w148 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.217 </div></td><td class=\"c x304 y15bb w103 h39\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.203 </div></td></tr><tr><td class=\"c x1dc y15bc w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15bc w54 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.659 </div></td><td class=\"c x306 y15bc w147 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.799 </div></td><td class=\"c x307 y15bc w148 h39\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.647 </div></td><td class=\"c x304 y15bc w103 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.105 </div></td></tr><tr><td class=\"c x1dc y15bd w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15bd w54 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">147.917 </div></td><td class=\"c x306 y15bd w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">531.195 </div></td><td class=\"c x307 y15bd w148 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.449 </div></td><td class=\"c x304 y15bd w103 h37\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">769.561 </div></td></tr><tr><td class=\"c x1dc y15be w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15be w54 h39\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x306 y15be w147 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x307 y15be w148 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x304 y15be w103 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15bf w3f8 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15bf w3f0 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15bf w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15c0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15c1 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15c1 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15c1 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15c2 w3f6 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15c3 w145 h6f\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15c4 w3f7 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15c5 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15c5 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.171.484 </div></td><td class=\"c x2ff y15c5 w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">462.960 </div></td><td class=\"c x300 y15c5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.406.878 </div></td><td class=\"c x2fc y15c5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.041.321 </div></td></tr><tr><td class=\"c x1dc y15c6 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15c6 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.076.226 </div></td><td class=\"c x2ff y15c6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">92.258 </div></td><td class=\"c x300 y15c6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.124.048 </div></td><td class=\"c x2fc y15c6 w145 h39\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.292.531 </div></td></tr><tr><td class=\"c x1dc y15c7 w146 h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15c7 w142 h3c\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.966.726 </div></td><td class=\"c x2ff y15c7 w143 h3c\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">375.727 </div></td><td class=\"c x300 y15c7 w144 h3c\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.461 </div></td><td class=\"c x2fc y15c7 w145 h3c\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.788.915 </div></td></tr><tr><td class=\"c x1dc y15c8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15c8 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.216 </div></td><td class=\"c x2ff y15c8 w143 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.198 </div></td><td class=\"c x300 y15c8 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.635 </div></td><td class=\"c x2fc y15c8 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">351.050 </div></td></tr><tr><td class=\"c x1dc y15c9 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15c9 w142 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.550 </div></td><td class=\"c x2ff y15c9 w143 h37\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.266 </div></td><td class=\"c x300 y15c9 w144 h37\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.857 </div></td><td class=\"c x2fc y15c9 w145 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.673 </div></td></tr><tr><td class=\"c x1dc y15ca w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15ca w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.444 </div></td><td class=\"c x2ff y15ca w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.588 </div></td><td class=\"c x300 y15ca w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.290 </div></td><td class=\"c x2fc y15ca w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">748.323 </div></td></tr><tr><td class=\"c x1dc y15cb w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15cb w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15cb w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15cb w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15cb w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"gsa\"><table class=\"s w3fb h1f0\" id=\"_383de3a7-f38a-4ae6-9a50-0ef1da12a962\"><tr><td class=\"c x308 y15cc w3fc h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x309 y15cc w3f0 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x30a y15cc w3f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche</div></td><td class=\"c x30b y15cd w3fd h1f1\" colspan=\"2\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Deriva-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x308 y15ce w3f3 h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x30c y15ce w3f4 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x30d y15ce w3f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x30e y15cf w3fe h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">ten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x30f y15d0 w152 h6f\"><div class=\"t m0 x37 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x30e y15d1 w3ff h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y15d2 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x310 y15d2 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">172.252 </div></td><td></td><td class=\"c x311 y15d2 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.830 </div></td><td class=\"c x30f y15d2 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">198.083 </div></td></tr><tr><td class=\"c x1a7 y15d3 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x310 y15d3 w14f h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.475 </div></td><td></td><td class=\"c x311 y15d3 w151 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">73.290 </div></td><td class=\"c x30f y15d3 w152 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.765 </div></td></tr><tr><td class=\"c x1a7 y15d4 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x310 y15d4 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.817.072 </div></td><td class=\"c x312 y15d4 w150 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.640 </div></td><td class=\"c x311 y15d4 w151 h37\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.331 </div></td><td class=\"c x30f y15d4 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.411.043 </div></td></tr><tr><td class=\"c x1a7 y15d5 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x310 y15d5 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">156.036 </div></td><td class=\"c x312 y15d5 w150 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.200 </div></td><td class=\"c x311 y15d5 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.447 </div></td><td class=\"c x30f y15d5 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.684 </div></td></tr><tr><td class=\"c x1a7 y15d6 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">fallentsorgung </div></td><td class=\"c x310 y15d6 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.572 </div></td><td></td><td class=\"c x311 y15d6 w151 h3b\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.484 </div></td><td class=\"c x30f y15d6 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.056 </div></td></tr><tr><td class=\"c x1a7 y15d7 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x310 y15d7 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.121.644 </div></td><td></td><td class=\"c x311 y15d7 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">665.178 </div></td><td class=\"c x30f y15d7 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.786.822 </div></td></tr><tr><td class=\"c x1a7 y15d8 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x310 y15d8 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.534.242 </div></td><td></td><td class=\"c x311 y15d8 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">933.002 </div></td><td class=\"c x30f y15d8 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.467.244 </div></td></tr><tr><td class=\"c x1a7 y15d9 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x310 y15d9 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.809 </div></td><td class=\"c x312 y15d9 w150 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.929 </div></td><td class=\"c x311 y15d9 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">124.567 </div></td><td class=\"c x30f y15d9 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.018.305 </div></td></tr><tr><td class=\"c x1a7 y15da w14e ha0\"><div class=\"t m0 x90 h5 y969 ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astrono-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls1f ws0\">mie<span class=\"ls0\"> </span></div></td><td class=\"c x310 y15da w14f ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.945 </div></td><td class=\"c x312 y15da w150 ha0\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15da w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.936 </div></td><td class=\"c x30f y15da w152 ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">417.181 </div></td></tr><tr><td class=\"c x1a7 y15db w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>ni-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">kation </div></td><td class=\"c x310 y15db w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.610 </div></td><td></td><td class=\"c x311 y15db w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.954 </div></td><td class=\"c x30f y15db w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">211.564 </div></td></tr><tr><td class=\"c x1a7 y15dc w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15dc w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.373.701 </div></td><td class=\"c x312 y15dc w150 h3b\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">667.918 </div></td><td class=\"c x311 y15dc w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.736 </div></td><td class=\"c x30f y15dc w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.361.356 </div></td></tr><tr><td class=\"c x1a7 y15dd w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Woh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nungswesen </div></td><td class=\"c x310 y15dd w14f h3a\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.186.704 </div></td><td></td><td class=\"c x311 y15dd w151 h3a\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">595.697 </div></td><td class=\"c x30f y15dd w152 h3a\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.782.400 </div></td></tr><tr><td class=\"c x308 y15de w400 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y15df w401 h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Dienstleistungen<span class=\"_ _128\"> </span></div></td><td class=\"c x310 y15e0 w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.399.725 </div></td><td class=\"c x312 y15e0 w150 h3b\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.192 </div></td><td class=\"c x311 y15e0 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">503.426 </div></td><td class=\"c x30f y15e0 w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.906.343 </div></td></tr><tr><td class=\"c x1a7 y15e1 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. Dienst<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15e1 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">697.356 </div></td><td class=\"c x312 y15e1 w150 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x311 y15e1 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.683 </div></td><td class=\"c x30f y15e1 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.040 </div></td></tr><tr><td class=\"c x1a7 y15e2 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x310 y15e2 w14f h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.893 </div></td><td class=\"c x312 y15e2 w150 h37\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.356.847 </div></td><td class=\"c x311 y15e2 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">311.689 </div></td><td class=\"c x30f y15e2 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.911.430 </div></td></tr><tr><td class=\"c x1a7 y15e3 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x310 y15e3 w14f h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.321 </div></td><td></td><td class=\"c x311 y15e3 w151 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.411 </div></td><td class=\"c x30f y15e3 w152 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.732 </div></td></tr><tr><td class=\"c x1a7 y15e4 w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls2e ws0\">Q <span class=\"ls0\">Gesundh<span class=\"_ _0\"></span>eits- und Sozialwe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x310 y15e4 w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.477 </div></td><td></td><td class=\"c x311 y15e4 w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.802 </div></td><td class=\"c x30f y15e4 w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.279 </div></td></tr><tr><td class=\"c x1a7 y15e5 w14e ha0\"><div class=\"t m0 x90 h5 y333 ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">holung </div></td><td class=\"c x310 y15e5 w14f ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.236 </div></td><td></td><td class=\"c x311 y15e5 w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.728 </div></td><td class=\"c x30f y15e5 w152 ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.964 </div></td></tr><tr><td class=\"c x1a7 y15e6 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x310 y15e6 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.917 </div></td><td></td><td class=\"c x311 y15e6 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.855 </div></td><td class=\"c x30f y15e6 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">212.772 </div></td></tr><tr><td class=\"c x1a7 y15e7 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x310 y15e7 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.897.858 </div></td><td></td><td class=\"c x311 y15e7 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">518.764 </div></td><td class=\"c x30f y15e7 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.416.622 </div></td></tr><tr><td class=\"c x1a7 y15e8 w14e h3b\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>io-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nen </div></td><td></td><td></td><td class=\"c x311 y15e8 w151 h3b\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x30f y15e8 w152 h3b\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x1a7 y15e9 w14e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x310 y15e9 w14f h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x312 y15e9 w150 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15e9 w151 h39\"><div class=\"t m0 x4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x30f y15e9 w152 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y15ea w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x313 y15ea w402 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und<span class=\"_ _128\"> </span></div></td><td class=\"c x314 y15ea w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x315 y15eb w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c8 y15ec w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x316 y15ec w403 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x317 y15ec w404 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere</div></td><td class=\"c x318 y15ed w405 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x319 y15ee w14d h6f\"><div class=\"t m0 x2b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x31a y15ef w3ff h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y15f0 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x31b y15f0 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">151.999 </div></td><td></td><td class=\"c x31c y15f0 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.464 </div></td><td class=\"c x319 y15f0 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.463 </div></td></tr><tr><td class=\"c x2c6 y15f1 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x31b y15f1 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.137 </div></td><td></td><td class=\"c x31c y15f1 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.366 </div></td><td class=\"c x319 y15f1 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.503 </div></td></tr><tr><td class=\"c x2c6 y15f2 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x31b y15f2 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.569.131 </div></td><td></td><td class=\"c x31c y15f2 w14c h37\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.632.827 </div></td><td class=\"c x319 y15f2 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.201.957 </div></td></tr><tr><td class=\"c x2c6 y15f3 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x31b y15f3 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.932 </div></td><td class=\"c x2b5 y15f3 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.650 </div></td><td class=\"c x31c y15f3 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.917 </div></td><td class=\"c x319 y15f3 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.498 </div></td></tr><tr><td class=\"c x2c6 y15f4 w14a hbc\"><div class=\"t m0 x90 h5 y95a ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallentsor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gung </div></td><td class=\"c x31b y15f4 wee hbc\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.017 </div></td><td></td><td class=\"c x31c y15f4 w14c hbc\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.216 </div></td><td class=\"c x319 y15f4 w14d hbc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.233 </div></td></tr><tr><td class=\"c x2c6 y15f5 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x31b y15f5 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.054.901 </div></td><td></td><td class=\"c x31c y15f5 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">621.097 </div></td><td class=\"c x319 y15f5 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.675.998 </div></td></tr><tr><td class=\"c x2c6 y15f6 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x31b y15f6 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.341.088 </div></td><td></td><td class=\"c x31c y15f6 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">982.685 </div></td><td class=\"c x319 y15f6 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.323.772 </div></td></tr><tr><td class=\"c x2c6 y15f7 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x31b y15f7 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.848 </div></td><td class=\"c x2b5 y15f7 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.993 </div></td><td class=\"c x31c y15f7 w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.259 </div></td><td class=\"c x319 y15f7 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">958.100 </div></td></tr><tr><td class=\"c x2c6 y15f8 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x31b y15f8 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.413 </div></td><td class=\"c x2b5 y15f8 w14b h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x31c y15f8 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.986 </div></td><td class=\"c x319 y15f8 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">495.698 </div></td></tr><tr><td class=\"c x2c6 y15f9 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x31b y15f9 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.060 </div></td><td></td><td class=\"c x31c y15f9 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.880 </div></td><td class=\"c x319 y15f9 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.940 </div></td></tr><tr><td class=\"c x2c6 y15fa w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- <span class=\"ls6\">und </span>Versicherungsleistungen </div></td><td class=\"c x31b y15fa wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.131.770 </div></td><td class=\"c x2b5 y15fa w14b h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">500.842 </div></td><td class=\"c x31c y15fa w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">315.493 </div></td><td class=\"c x319 y15fa w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.948.105 </div></td></tr><tr><td class=\"c x2c6 y15fb w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswesen </div></td><td class=\"c x31b y15fb wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.903.369 </div></td><td class=\"c x2b5 y15fb w14b h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.479 </div></td><td class=\"c x31c y15fb w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">613.816 </div></td><td class=\"c x319 y15fb w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.526.664 </div></td></tr><tr><td class=\"c x2c6 y15fc w14a h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x31b y15fc wee h3a\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.426.424 </div></td><td class=\"c x2b5 y15fc w14b h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.302 </div></td><td class=\"c x31c y15fc w14c h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">602.465 </div></td><td class=\"c x319 y15fc w14d h3a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.192 </div></td></tr></table></div><div class=\"gsa\"><table class=\"s w406 h1f2\" id=\"_0f142a87-cddd-473b-a332-758787ecea99\"><tr><td class=\"c x1dc y15fd w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. <span class=\"_ _0\"></span>Dienstleistungen </div></td><td class=\"c x31d y15fd wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">561.388 </div></td><td class=\"c x31e y15fd w14b h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x31f y15fd w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.942 </div></td><td class=\"c x320 y15fd w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">710.330 </div></td></tr><tr><td class=\"c x1dc y15fe w14a h38\"><div class=\"t m0 x90 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x31d y15fe wee h38\"><div class=\"t m0 x47 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">456.888 </div></td><td class=\"c x31e y15fe w14b h38\"><div class=\"t m0 xf8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.099.431 </div></td><td class=\"c x31f y15fe w14c h38\"><div class=\"t m0 x3a h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">67.821 </div></td><td class=\"c x320 y15fe w14d h38\"><div class=\"t m0 x11 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.624.140 </div></td></tr><tr><td class=\"c x1dc y15ff w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x31d y15ff wee h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.260 </div></td><td></td><td class=\"c x31f y15ff w14c h37\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.569 </div></td><td class=\"c x320 y15ff w14d h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.829 </div></td></tr><tr><td class=\"c x1dc y1600 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x31d y1600 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">152.682 </div></td><td></td><td class=\"c x31f y1600 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.755 </div></td><td class=\"c x320 y1600 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.437 </div></td></tr><tr><td class=\"c x1dc y1601 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erholung </div></td><td class=\"c x31d y1601 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.604 </div></td><td></td><td class=\"c x31f y1601 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.204 </div></td><td class=\"c x320 y1601 w14d h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.808 </div></td></tr><tr><td class=\"c x1dc y1602 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x31d y1602 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.641 </div></td><td></td><td class=\"c x31f y1602 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.387 </div></td><td class=\"c x320 y1602 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">189.028 </div></td></tr><tr><td class=\"c x1dc y1603 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x31d y1603 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.882.569 </div></td><td></td><td class=\"c x31f y1603 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">593.017 </div></td><td class=\"c x320 y1603 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.475.585 </div></td></tr><tr><td class=\"c x1dc y1604 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x31d y1604 wee h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">525<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x31f y1604 w14c h37\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x320 y1604 w14d h37\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">527<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1605 w14a h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x31d y1605 wee h39\"><div class=\"t m0 xa6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x31e y1605 w14b h39\"><div class=\"t m0 xf8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x31f y1605 w14c h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x320 y1605 w14d h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table></div>Entwicklung der Risikovorsorgen (Bilanzdarstellung)<span class=\"_ _0\"></span> Stand<span class=\"_ _128\"> </span>Ver<span class=\"ls0\">-<span class=\"_ _128\"> </span></span>Sonstige Ef-<span class=\"_ _128\"> </span>Stand<span class=\"_ _128\"> </span>in \u20ac 1.000<span class=\"ff5\"> </span>1.1.2022<span class=\"_ _128\"> </span>Zuf\u00fchrungenAufl\u00f6sungen<span class=\"_ _128\"> </span>brauch<span class=\"_ _128\"> </span>fekte<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>31.12.2022<span class=\"_ _128\"> </span>zu Barreserve Stage 1 + 2<span class=\"_ _128\"> </span>640<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"ls11\">279</span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>361<span class=\"ls0\"> </span>zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span>stitute Stufe 1 + 2<span class=\"_ _128\"> </span>109<span class=\"ls0\"> </span>58<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>167<span class=\"ls0\"> </span>zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span>stitute Stufe 3<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>zu Forderungen an Kund<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>57.638<span class=\"_ _128\"> </span>10.166<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>-7<span class=\"_ _128\"> </span>67.797<span class=\"_ _128\"> </span>Stufe 1 + 2<span class=\"_ _128\"> </span>zu Forderungen an <span class=\"_ _0\"></span>Kunden<span class=\"_ _128\"> </span>156.214<span class=\"_ _128\"> </span>77.061<span class=\"_ _128\"> </span>-42.089-14.929<span class=\"_ _128\"> </span>-5.491170.766<span class=\"_ _128\"> </span>Stufe 3<span class=\"_ _128\"> </span>zu Finanzanlagen Stu<span class=\"_ _0\"></span>fe 1 + 2<span class=\"_ _128\"> </span>902<span class=\"ls0\"> </span>54<span class=\"ls0\"> </span>-<span class=\"ls11\">81</span> 0<span class=\"_ _128\"> </span>-5<span class=\"_ _128\"> </span>870<span class=\"ls0\"> </span>zu Sachanlagen Stage 1 +2<span class=\"_ _0\"></span> 207<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"ls11\">34</span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>173<span class=\"ls0\"> </span>Risikovorsorgen<span class=\"_ _128\"> </span>215.710<span class=\"_ _128\"> </span>87.339<span class=\"ls0\"> </span>-42.483-14.929<span class=\"_ _128\"> </span>-5.503240.134<span class=\"_ _128\"> </span>im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>zu au\u00dferb<span class=\"_ _0\"></span>ilanziellen Ge-<span class=\"_ _128\"> </span>sch\u00e4ften Stufe 1 + 2<span class=\"ff5\"> </span>21.286<span class=\"_ _128\"> </span>1.041<span class=\"_ _128\"> </span>-2.799<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>19.528<span class=\"_ _128\"> </span>zu au\u00dferbilanziellen Ge-<span class=\"_ _128\"> </span>sch\u00e4ften Stufe 3<span class=\"_ _128\"> </span>113.964<span class=\"_ _128\"> </span>28.699<span class=\"_ _128\"> </span>-25.908<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>1.214117.969<span class=\"_ _128\"> </span>Gesamtsumme<span class=\"_ _128\"> </span>350.960<span class=\"_ _128\"> </span>117.079<span class=\"_ _128\"> </span>-71.190-14.929<span class=\"_ _128\"> </span>-4.289377.631<span class=\"_ _128\"> </span>Risikovorsorgen<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>Die Risik<span class=\"_ _5\"></span>ovorsorgen zu au\u00df<span class=\"_ _5\"></span>erbilanziell<span class=\"_ _5\"></span>en Gesch\u00e4fte<span class=\"_ _5\"></span>n werden in der Po<span class=\"_ _5\"></span>sition R\u00fcc<span class=\"_ _5\"></span>kstellungen (<span class=\"_ _5\"></span>Bilanz Passiva 4) aus<span class=\"_ _5\"></span>gewiesen<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Hiev. aus Konso<span class=\"_ _5\"></span>lidier<span class=\"_ _5\"></span>ung 1.257 Tsd. EUR, aus R<span class=\"_ _5\"></span>isiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr<span class=\"_ _5\"></span> zum Fair Value \u00fcbe<span class=\"_ _5\"></span>r OCI bewer<span class=\"_ _5\"></span>tete WP - 12 Tsd. EUR, aus U<span class=\"_ _5\"></span>mbuchungen PO<span class=\"_ _5\"></span>CI -<span class=\"_ _128\"> </span>5.889<span class=\"_ _128\"> </span>Tsd. EUR, aus <span class=\"_ _5\"></span>Wechsel<span class=\"_ _5\"></span>kurs\u00e4nderungen r<span class=\"_ _5\"></span>esultier<span class=\"_ _5\"></span>en + 366 Tsd. EUR<span class=\"_ _128\"> </span>Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffu<span class=\"_ _0\"></span>ngskosten bewertet<span class=\"_ _1\"></span> <table class=\"s w421 h1fd\" id=\"_b5fdd7bf-e9ca-43f0-a457-fbefa14ca236\"><tr><td></td><td class=\"c x345 y1648 w173 h26\"><div class=\"t m0 x54 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x346 y1648 we h26\"><div class=\"t m0 x5a h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1648 w86 h26\"><div class=\"t m0 x13 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x308 y1649 w422 h1f1\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu AC bewerteten <span class=\"_ _0\"></span>finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y164a w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y164b w173 h6f\"><div class=\"t m0 x4f h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x346 y164b w9b h6f\"><div class=\"t m0 xd h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x348 y164b w175 h6f\"><div class=\"t m0 x29 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x349 y164b w30 h6f\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x308 y164c w424 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164d w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021* </div></td><td class=\"c x345 y164d w173 h39\"><div class=\"t m0 x4d h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">18.863.549<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164d we h39\"><div class=\"t m0 xc9 h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">5.602.656<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164d w86 h39\"><div class=\"t m0 x2b h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">342.671<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y164d w175 h39\"><div class=\"t m0 x85 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">40.330<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y164d w30 h39\"><div class=\"t m0 x8c h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">24.849.205<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y164e w172 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x345 y164e w173 h37\"><div class=\"t m0 x10 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">747.510<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164e we h37\"><div class=\"t m0 x4d h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-745.640<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164e w86 h37\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.871<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164f w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x345 y164f w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-331.097<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164f we h39\"><div class=\"t m0 xc h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">340.667<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164f w86 h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-9.570<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1650 w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x345 y1650 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-123.634<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1650 we h39\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-97.966<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1650 w86 h39\"><div class=\"t m0 x60 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">221.600<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1651 w425 h1fe\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1652 w426 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">neu ausgereichten od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1653 w427 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">erworbenen Verm\u00f6genswert<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1654 w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1655 w173 hc5\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">3.871.117<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1655 we hc5\"><div class=\"t m0 xc h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">977.008<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y1655 w30 hc5\"><div class=\"t m0 x9f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">4.848.125<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1656 w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1657 w429 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1658 w173 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.953.654<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1658 we h3b\"><div class=\"t m0 xc9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.953.654<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1659 w172 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Risikoparametern </div></td><td class=\"c x345 y1659 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-499.685<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1659 we h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.668.145<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1659 w86 h39\"><div class=\"t m0 x9f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-82.766<span class=\"fs2\"> </span></div></td><td class=\"c x348 y1659 w175 h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.080<span class=\"fs2\"> </span></div></td><td class=\"c x349 y1659 w30 h39\"><div class=\"t m0 x2b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.251.675<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165a w425 h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165b w42a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165c w173 h3b\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.993<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165c we h3b\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">965</span><span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165c w30 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.959<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165d w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165e w42b h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Ausbuchungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165f w173 h3b\"><div class=\"t m0 x36 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-2.538.742<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165f we h3b\"><div class=\"t m0 x4d h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-783.659<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165f w30 h3b\"><div class=\"t m0 x2b h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-3.322.401<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1660 w42c h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1661 w42d h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">von Abschreibungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1662 w425 h1ff\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1663 w42e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1664 w42f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">sonstigen Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1665 w173 h6f\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.052<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1665 we h6f\"><div class=\"t m0 x2d h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">61<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td class=\"c x349 y1665 w30 h6f\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.992<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1666 w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x345 y1666 w173 h39\"><div class=\"t m0 x4d h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">17.028.320<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1666 we h39\"><div class=\"t m0 xc9 h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">6.577.670<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1666 w86 h39\"><div class=\"t m0 x2b h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">470.064<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y1666 w175 h39\"><div class=\"t m0 x85 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">39.250<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y1666 w30 h39\"><div class=\"t m0 x8c h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">24.115.304<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1667 w176 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">* Die Vorjahreszahlen wurden au<span class=\"_ _0\"></span>fgrund einer Umgliederung angepasst<span class=\"_ _0\"></span>.<span class=\"ff5 fs4\"> </span></div></td><td class=\"c x34a y1668 w178 h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34b y1668 w173 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1668 w86 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">         <span class=\"ls0\">Stufe 3</span><span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1669 w430 h200\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu AC bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y166a w423 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y166b w17a h71\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x332 y166b w17b h71\"><div class=\"t m0 xf9 h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x21d y166b w17c h71\"><div class=\"t m0 x88 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x308 y166c w424 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y166d w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34a y166d w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.203<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166d w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">41.246<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y166d wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">156.213<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y166d w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">215.662<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166e w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x34a y166e w178 h37\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">954<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166e w173 h37\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.875<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y166e w17c h37\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.921<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166f w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x34a y166f w178 h37\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.855<span class=\"fs2\"> </span></div></td><td class=\"c x34b y166f w173 h37\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">7.108<span class=\"fs2\"> </span></div></td><td class=\"c x347 y166f wf h37\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">890</span><span class=\"fs2\"> </span></div></td><td class=\"c x21d y166f w17c h37\"><div class=\"t m0 x47 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.364<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1670 w177 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x34a y1670 w178 h39\"><div class=\"t m0 x42 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">525</span><span class=\"fs2\"> </span></div></td><td class=\"c x34b y1670 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.500<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1670 wf h39\"><div class=\"t m0 x72 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">53.963<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1670 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">50.939<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1671 w431 h201\"><div class=\"t m0 x177 h5 y1582 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1672 w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1673 w178 h6f\"><div class=\"t m0 x15 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">5.676<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1673 w173 h6f\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">9.426<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1673 w17c h6f\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">15.102<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1674 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Modell\u00e4nderungen </div></td><td class=\"c x34a y1674 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.070<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1674 w173 h39\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">16.766<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1674 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">14.696<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1675 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34a y1675 w178 h39\"><div class=\"t m0 x15 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">2.829<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1675 w173 h39\"><div class=\"t m0 x33 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-12.467<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1675 wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.101<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1675 w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-27.740<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1676 w432 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1677 w433 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1678 w178 h3b\"><div class=\"t m0 x14 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">10<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y1678 w173 h3b\"><div class=\"t m0 xa8 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1678 w17c h3b\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">12<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1679 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34a y1679 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.758<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1679 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.841<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1679 w17c h39\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.599<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167a w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td class=\"c x347 y167a wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167a w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y167b w425 h202\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167c w434 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _0\"></span> sonstigen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167d w435 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y167e w178 h71\"><div class=\"t m0 x10 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td class=\"c x34b y167e w173 h71\"><div class=\"t m0 xa8 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">5<span class=\"fs2\"> </span></div></td><td class=\"c x347 y167e wf h71\"><div class=\"t m0 xe h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.491<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167e w17c h71\"><div class=\"t m0 x4f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.486<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167f w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34a y167f w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.464<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y167f w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">50.869<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y167f wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">170.765<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y167f w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">240.099<span class=\"fs2 ls0\"> </span></div></td><td></td></tr></table>Finanzielle Verm\u00f6genswerte er<span class=\"_ _0\"></span>folgsneutral zum Fair Value bewe<span class=\"_ _0\"></span>rtet<table class=\"s w436 h203\" id=\"_6ec41fd6-3f03-42da-97a5-adefd8145509\"><tr><td class=\"c x178 y1680 w437 h204\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu FVOCI bewerteten finanzielle<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1681 w17f h38\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34d y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x34e y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1682 w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1683 w17f h6f\"><div class=\"t m0 x70 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34d y1683 w183 h6f\"><div class=\"t m0 xc h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34f y1683 w181 h6f\"><div class=\"t m0 x79 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x1ed y1683 w182 h6f\"><div class=\"t m0 x37 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1684 w438 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1685 w17e h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34c y1685 w17f h37\"><div class=\"t m0 xe h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1685 w182 h37\"><div class=\"t m0 x4 h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y1686 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1686 w182 h39\"><div class=\"t m0 x4 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">76.911 </div></td></tr><tr><td class=\"c x1bc y1687 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1688 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1689 w439 h205\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereichten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168a w43a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">oder erworbenen V<span class=\"_ _0\"></span>erm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168b w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168c w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modell\u00e4nderungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168d w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34c y168d w17f h37\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y168d w182 h37\"><div class=\"t m0 x3b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y168e w432 h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168f w433 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1690 w17e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34c y1690 w17f h39\"><div class=\"t m0 x14 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1690 w182 h39\"><div class=\"t m0 x1e h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y1691 w17e h38\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1692 w43b h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1693 w43c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und sonstigen Anp<span class=\"_ _0\"></span>assungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1694 w17e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34c y1694 w17f h39\"><div class=\"t m0 x2c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1694 w182 h39\"><div class=\"t m0 x2d h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1695 w43d h206\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu FVOCI bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1696 w185 h37\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td></td><td class=\"c x351 y1696 w8c h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x352 y1696 w31 h37\"><div class=\"t m0 x70 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1064 w423 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1697 w185 hc7\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x351 y1697 w186 hc7\"><div class=\"t m0 x10 h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x353 y1697 w6f hc7\"><div class=\"t m0 x5b h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1698 w438 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1699 w184 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td></td><td class=\"c x350 y1699 w185 h37\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y1699 w6f h37\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y169a w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169b w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169c w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169d w431 h201\"><div class=\"t m0 x177 h5 y11cc ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169e w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169f w425 h207\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a0 w429 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a1 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td></td><td class=\"c x350 y16a1 w185 h39\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a1 w6f h39\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y16a2 w425 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a3 w43e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen  ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a4 w184 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td></td><td class=\"c x350 y16a4 w185 h37\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a4 w6f h37\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y16a5 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a6 w184 h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Wechselkurs- </div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00e4nderungen und sonst<span class=\"_ _0\"></span>igen Anpassungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a7 w184 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td></td><td class=\"c x350 y16a7 w185 hc\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a7 w6f hc\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td></tr></table>NPL nach Abzug von Risikovorsor-<span class=\"_ _128\"> </span>In \u20ac 1.000<span class=\"ff4\"> </span>1)<span class=\"_ _128\"> </span>NPL vor Abzug von Risikovorsorgen<span class=\"_ _0\"></span> gen<span class=\"_ _128\"> </span>Bilanzposition<span class=\"_ _128\"> </span>31.12.2022<span class=\"ls0\"> </span>31.12.2021<span class=\"ls0\"> </span>31.12.2022<span class=\"ls0\"> </span>31.12.2021<span class=\"ls0\"> </span>Forderungen an Kreditinstitute<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Forderungen an Kunden<span class=\"_ _128\"> </span>509.314<span class=\"_ _128\"> </span>381.882<span class=\"_ _128\"> </span>338.548<span class=\"_ _128\"> </span>227.368<span class=\"_ _128\"> </span>vor Abzug von Risikovorsorgen<span class=\"_ _128\"> </span>nach Abzug von Risikovorsorgen<span class=\"_ _0\"></span> 31.12.2022<span class=\"ls0\"> </span>31.12.2021<span class=\"ls0\"> </span>31.12.2022<span class=\"ls0\"> </span>31.12.2021<span class=\"ls0\"> </span>Non performing loans Ratio brutto<span class=\"_ _0\"></span> 2,49%<span class=\"_ _128\"> </span>1,96%<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>Non performing loans Ratio netto<span class=\"_ _0\"></span> -<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>1,67%<span class=\"_ _128\"> </span>1,18%<span class=\"_ _128\"> </span>31.12.2022<span class=\"ls0\"> </span>31.12.2021<span class=\"ls0\"> </span>NPL vor Abzug von <span class=\"_ _0\"></span>Risikovorsorgen<span class=\"_ _128\"> </span>509.314<span class=\"_ _128\"> </span>381.882<span class=\"_ _128\"> </span>Risikovorsorgen Stage 3 und<span class=\"_ _0\"></span> Sicherhei-<span class=\"_ _128\"> </span>ten f\u00fcr Non performing loan<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span>446.630<span class=\"_ _128\"> </span>355.603<span class=\"_ _128\"> </span>Non performing Coverage Ratio<span class=\"_ _0\"></span> 87,69%<span class=\"_ _128\"> </span>93,12%<span class=\"_ _128\"> </span>1) Bei den Werten hand<span class=\"_ _0\"></span>elt es sich um Bilanzwert<span class=\"_ _0\"></span>e.<div class=\"gsa\"><table class=\"s w442 h209\" id=\"_2d2ef00f-c273-405b-a14b-f243010e7435\"><tr><td class=\"c x178 y16b7 w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16b8 w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16b9 w191 h39\" colspan=\"2\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td class=\"c x178 y16ba w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16bb w444 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16bc w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16bc w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16bc w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16bd w445 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16be w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x35d y16be we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.643 </div></td><td class=\"c x359 y16be w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">520<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16be w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">133<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16be w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">902<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16bf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16bf we h37\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16bf w192 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16bf w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16bf w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16c0 w190 h38\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16c0 we h38\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.443 </div></td><td class=\"c x359 y16c0 w192 h38\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">31.829 </div></td><td class=\"c x205 y16c0 w193 h38\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.236 </div></td><td class=\"c x35b y16c0 w54 h38\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">82.917 </div></td></tr><tr><td class=\"c x174 y16c1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16c1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.424 </div></td><td class=\"c x359 y16c1 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c1 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c1 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.585 </div></td></tr><tr><td class=\"c x174 y16c2 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16c2 we h3a\"><div class=\"t m0 xd h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">427<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16c2 w192 h3a\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">102<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c2 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c2 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">234<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16c3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16c3 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x359 y16c3 w192 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.614 </div></td><td class=\"c x205 y16c3 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.655 </div></td><td class=\"c x35b y16c3 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.946 </div></td></tr><tr><td class=\"c x174 y16c4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16c4 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.145 </div></td><td class=\"c x359 y16c4 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.363 </div></td><td class=\"c x205 y16c4 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.888 </div></td><td class=\"c x35b y16c4 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.019 </div></td></tr><tr><td class=\"c x174 y16c5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16c5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.709 </div></td><td class=\"c x359 y16c5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.539 </div></td><td class=\"c x205 y16c5 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">840<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.805 </div></td></tr><tr><td class=\"c x174 y16c6 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16c6 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.549 </div></td><td class=\"c x359 y16c6 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.028 </div></td><td class=\"c x205 y16c6 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.622 </div></td><td class=\"c x35b y16c6 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.238 </div></td></tr><tr><td class=\"c x174 y16c7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16c7 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.380 </div></td><td class=\"c x359 y16c7 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">639<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c7 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">13<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c7 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.217 </div></td></tr></table></div><div class=\"gsa\"><table class=\"s w442 h20a\" id=\"_9710281b-a7f9-452c-9e4e-8a8ea5edff0b\"><tr><td class=\"c x178 y16c8 w446 h20b\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div></td><td class=\"c x35d y16c9 we ha0\"><div class=\"t m0 x14 h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.405 </div></td><td></td><td class=\"c x205 y16c9 w193 ha0\"><div class=\"t m0 x94 h5 ya24 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c9 w54 ha0\"><div class=\"t m0 x2f h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.019 </div></td></tr><tr><td class=\"c x178 y16ca w447 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">tungen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x359 y16c9 w192 ha0\"><div class=\"t m0 x34 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">366<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y16cb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswe-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16cb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">50.495 </div></td><td class=\"c x359 y16cb w192 h3a\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.962 </div></td><td class=\"c x205 y16cb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">4.060 </div></td><td class=\"c x35b y16cb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">31.679 </div></td></tr><tr><td class=\"c x174 y16cc w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16cc we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">66.814 </div></td><td class=\"c x359 y16cc w192 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.394 </div></td><td class=\"c x205 y16cc w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">544<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cc w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">30.922 </div></td></tr><tr><td class=\"c x174 y16cd w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16cd we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">10.190 </div></td><td class=\"c x359 y16cd w192 h3a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.064 </div></td><td class=\"c x205 y16cd w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cd w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.501 </div></td></tr><tr><td class=\"c x174 y16ce w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ce we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ce w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ce w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ce w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16cf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x35d y16cf we h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">307<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16cf w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">176<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16cf w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cf w54 h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">116<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16d0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.269 </div></td><td class=\"c x359 y16d0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">496<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d0 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.317 </div></td></tr><tr><td class=\"c x174 y16d1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16d1 we h3b\"><div class=\"t m0 xd h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">988<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d1 w192 h3b\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">421<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d1 w193 h3b\"><div class=\"t m0 xad h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d1 w54 h3b\"><div class=\"t m0 x40 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">489<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16d2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.907 </div></td><td class=\"c x359 y16d2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.288 </div></td></tr><tr><td class=\"c x174 y16d3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16d3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.934 </div></td><td class=\"c x359 y16d3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.304 </div></td><td class=\"c x205 y16d3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">486<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.300 </div></td></tr><tr><td class=\"c x174 y16d4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x35d y16d4 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16d4 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16d4 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d4 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16d5 w448 h20c\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16d6 w193 ha0\"><div class=\"t m0 x30 h5 ya2e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x178 y16d7 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16d8 w190 h37\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16d8 we h37\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d8 w192 h37\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d8 w193 h37\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d8 w54 h37\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y16d9 w3fc h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16da w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16db w191 h39\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y16dc w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16dd w444 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16de w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16de w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16de w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16df w445 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16e0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x35d y16e0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.012 </div></td><td class=\"c x359 y16e0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e0 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.267 </div></td></tr><tr><td class=\"c x174 y16e1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16e1 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16e1 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16e1 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16e1 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16e2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16e2 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">89.886 </div></td><td class=\"c x359 y16e2 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.634 </div></td><td class=\"c x205 y16e2 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.647 </div></td><td class=\"c x35b y16e2 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.999 </div></td></tr><tr><td class=\"c x174 y16e3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16e3 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505 </div></td><td class=\"c x359 y16e3 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">483<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e3 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e3 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.183 </div></td></tr><tr><td class=\"c x174 y16e4 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16e4 we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">1.469 </div></td><td class=\"c x359 y16e4 w192 h3a\"><div class=\"t m0 x34 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">247<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e4 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e4 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">804<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16e5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16e5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.649 </div></td><td class=\"c x359 y16e5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.100 </div></td><td class=\"c x205 y16e5 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.753 </div></td><td class=\"c x35b y16e5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.839 </div></td></tr><tr><td class=\"c x174 y16e6 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16e6 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.123 </div></td><td class=\"c x359 y16e6 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.304 </div></td><td class=\"c x205 y16e6 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.672 </div></td><td class=\"c x35b y16e6 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.709 </div></td></tr><tr><td class=\"c x174 y16e7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16e7 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">26.247 </div></td><td class=\"c x359 y16e7 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.764 </div></td><td class=\"c x205 y16e7 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">273<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e7 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.785 </div></td></tr><tr><td class=\"c x174 y16e8 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16e8 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.744 </div></td><td class=\"c x359 y16e8 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.144 </div></td><td class=\"c x205 y16e8 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.671 </div></td><td class=\"c x35b y16e8 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.681 </div></td></tr><tr><td class=\"c x174 y16e9 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16e9 we h3c\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.959 </div></td><td class=\"c x359 y16e9 w192 h3c\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.866 </div></td><td class=\"c x205 y16e9 w193 h3c\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e9 w54 h3c\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.061 </div></td></tr><tr><td class=\"c x174 y16ea w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ea we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.847 </div></td><td class=\"c x359 y16ea w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">357<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ea w193 h3b\"><div class=\"t m0 x94 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">61<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ea w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.431 </div></td></tr><tr><td class=\"c x174 y16eb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls32 ws0\">L <span class=\"ls0\">Grundst\u00fc<span class=\"_ _0\"></span>cks- und Wohnungswe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16eb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">46.507 </div></td><td class=\"c x359 y16eb w192 h3a\"><div class=\"t m0 xf9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">15.481 </div></td><td class=\"c x205 y16eb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">7.107 </div></td><td class=\"c x35b y16eb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">28.350 </div></td></tr><tr><td class=\"c x174 y16ec w190 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ec we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">43.713 </div></td><td class=\"c x359 y16ec w192 h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">16.342 </div></td><td class=\"c x205 y16ec w193 h3b\"><div class=\"t m0 x6 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.392 </div></td><td class=\"c x35b y16ec w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.029 </div></td></tr><tr><td class=\"c x174 y16ed w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16ed we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">8.698 </div></td><td class=\"c x359 y16ed w192 h3a\"><div class=\"t m0 x2d h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">2.396 </div></td><td class=\"c x205 y16ed w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">389<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ed w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.660 </div></td></tr><tr><td class=\"c x174 y16ee w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ee we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ee w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ee w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ee w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16ef w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und U<span class=\"_ _0\"></span>nterricht </div></td><td class=\"c x35d y16ef we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">540<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ef w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">158<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ef w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ef w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">365<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16f0 we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">137<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f0 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x35b y16f0 w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16f1 we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.686 </div></td><td class=\"c x359 y16f1 w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">948<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f1 w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f1 w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.984 </div></td></tr><tr><td class=\"c x174 y16f2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16f2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.051 </div></td><td class=\"c x359 y16f2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">634<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">32<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.318 </div></td></tr><tr><td class=\"c x174 y16f3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16f3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.133 </div></td><td class=\"c x359 y16f3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.928 </div></td><td class=\"c x205 y16f3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">318<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.255 </div></td></tr><tr><td class=\"c x174 y16f4 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>ionen </div></td><td class=\"c x35d y16f4 we h3c\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16f4 w192 h3c\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16f4 w193 h3c\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16f4 w54 h3c\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16f5 w448 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16f6 w193 h3b\"><div class=\"t m0 x30 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">75.776 </div></td><td></td></tr><tr><td class=\"c x178 y16f7 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16f8 w190 h39\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16f8 we h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f8 w192 h39\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f8 w193 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f8 w54 h39\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"gsa\"><table class=\"s w44a h20d\" id=\"_9e698291-df94-445b-a8b6-750dffe19edd\"><tr><td></td><td class=\"c x35e y16f9 w44b h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fa we3 h3e\" colspan=\"2\"><div class=\"t m0 x11 h6 ya45 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td></td><td class=\"c x360 y16fb w44c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x361 y16fc w3f8 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x362 y16fd w44d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fe w54 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y16fe w10 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y16fe w54 h43\"><div class=\"t m0 x5b h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x361 y16ff w44e h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1700 w197 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1700 w196 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">229.534 </div></td><td class=\"c x367 y1700 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.349 </div></td><td class=\"c x368 y1700 w10 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.079 </div></td><td class=\"c x369 y1700 w54 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">126.144 </div></td></tr><tr><td class=\"c x365 y1701 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1701 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.555 </div></td><td class=\"c x367 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.097 </div></td><td class=\"c x368 y1701 w10 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.319 </div></td><td class=\"c x369 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.939 </div></td></tr><tr><td class=\"c x365 y1702 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1702 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.682 </div></td><td class=\"c x367 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.295 </div></td><td class=\"c x368 y1702 w10 h12\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.838 </div></td><td class=\"c x369 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.075 </div></td></tr><tr><td class=\"c x365 y1703 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1703 w196 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">382<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1703 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">189<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1703 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x369 y1703 w54 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">31<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x365 y1704 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1704 w196 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x367 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x368 y1704 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1705 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1705 w196 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.170 </div></td><td class=\"c x367 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.831 </div></td><td class=\"c x368 y1705 w10 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.304 </div></td></tr><tr><td class=\"c x178 y1706 w44f h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuorden<span class=\"_ _0\"></span>bare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1707 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1708 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x365 y1709 w197 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y1709 w196 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1709 w10 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x36a y170a w44b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170b w19a h34\"><div class=\"t m0 x4d h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x36c y170c w44c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x36d y170d w3f8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x36e y170e w44d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170f w122 h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y170f w19b h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y170f we1 h7f\"><div class=\"t m0 x37 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x36d y1710 w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1711 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1711 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.970 </div></td><td class=\"c x367 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.121 </div></td><td class=\"c x368 y1711 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.803 </div></td><td class=\"c x369 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.098 </div></td></tr><tr><td class=\"c x365 y1712 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1712 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">112.775 </div></td><td class=\"c x367 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.844 </div></td><td class=\"c x368 y1712 w10 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.132 </div></td><td class=\"c x369 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.070 </div></td></tr><tr><td class=\"c x365 y1713 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1713 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.361 </div></td><td class=\"c x367 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.004 </div></td><td class=\"c x368 y1713 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.811 </div></td><td class=\"c x369 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.268 </div></td></tr><tr><td class=\"c x365 y1714 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1714 w196 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">76<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1714 w54 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">71<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1714 w10 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1714 w54 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1715 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1715 w196 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x368 y1715 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1716 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1716 w196 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.052 </div></td><td class=\"c x367 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1716 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1717 w450 h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuo<span class=\"_ _0\"></span>rdenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1718 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1719 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.119 </div></td><td></td></tr><tr><td class=\"c x365 y11b5 w197 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y11b5 w196 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x367 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x368 y11b5 w10 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x369 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table></div><div class=\"gsa\"><table class=\"s w451 h20e\" id=\"_004c9ba9-af07-40ce-bdca-b9cbbc25bc02\"><tr><td class=\"c x178 y171a w452 h20f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171b w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y171b w37 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y171b w36 h39\" colspan=\"2\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td></tr><tr><td class=\"c x178 y171c w453 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171d w19c hcd\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y171d w19d hcd\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y171d w19e hcd\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y171d w19f hcd\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y171e w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y171f w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.216.228 </div></td><td class=\"c x370 y171f w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.630.975 </div></td><td></td><td></td><td class=\"c x373 y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.847.202 </div></td></tr><tr><td class=\"c x1dc y1720 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y1720 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.041.996 </div></td><td class=\"c x370 y1720 w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.577.866 </div></td><td></td><td class=\"c x372 y1720 w40 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">15<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1720 w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.619.876 </div></td></tr><tr><td class=\"c x1dc y1721 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y1721 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.095 </div></td><td class=\"c x370 y1721 w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">368.830 </div></td><td></td><td class=\"c x372 y1721 w40 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.167 </div></td><td class=\"c x373 y1721 w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">444.091 </div></td></tr><tr><td class=\"c x1dc y1722 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">470.064 </div></td><td class=\"c x372 y1722 w40 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.068 </div></td><td class=\"c x373 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.133 </div></td></tr><tr><td class=\"c x1dc y1723 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.332.318<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1723 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.577.670<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1723 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">470.064<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1723 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.419.302<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1724 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1724 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.500 </div></td><td class=\"c x370 y1724 w37 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.869 </div></td><td class=\"c x371 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-170.765 </div></td><td></td><td class=\"c x373 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-240.134 </div></td></tr><tr><td class=\"c x1dc y1725 w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.313.818<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1725 w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.526.801<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1725 w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">299.300<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1725 w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.179.168<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1726 w452 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y1727 w37 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1728 w453 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1729 w19c h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y1729 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y1729 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y1729 w19f h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y172a w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y172b w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.835.616 </div></td><td class=\"c x370 y172b w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.061.195 </div></td><td></td><td></td><td class=\"c x373 y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.896.811 </div></td></tr><tr><td class=\"c x1dc y172c w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y172c w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.871.148 </div></td><td class=\"c x370 y172c w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.014.364 </div></td><td></td><td class=\"c x372 y172c w40 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4 </div></td><td class=\"c x373 y172c w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.885.516 </div></td></tr><tr><td class=\"c x1dc y172d w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y172d w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.377 </div></td><td class=\"c x370 y172d w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">515.098 </div></td><td></td><td></td><td class=\"c x373 y172d w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">590.475 </div></td></tr><tr><td class=\"c x1dc y172e w12f h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">342.671 </div></td><td class=\"c x372 y172e w40 h3c\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.325 </div></td><td class=\"c x373 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.996 </div></td></tr><tr><td class=\"c x1dc y172f w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.782.141<span class=\"ls0\"> </span></div></td><td class=\"c x370 y172f w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.590.657<span class=\"ls0\"> </span></div></td><td class=\"c x371 y172f w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">342.671<span class=\"ls0\"> </span></div></td><td class=\"c x372 y172f w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.755.798<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1730 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1730 w36 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.251 </div></td><td class=\"c x370 y1730 w37 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.246 </div></td><td class=\"c x371 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-156.213 </div></td><td></td><td class=\"c x373 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-215.710 </div></td></tr><tr><td class=\"c x1dc y1731 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.763.890<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1731 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.549.411<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1731 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">186.458<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1731 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.540.089<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1732 w454 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y1733 w40 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1734 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1735 w19f h53\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1735 w19d h53\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1735 w19e h53\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1735 w19c h53\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1736 w456 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1737 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.778 </div></td><td class=\"c x375 y1737 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">361.409 </div></td><td></td><td></td><td class=\"c x378 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.394.187 </div></td></tr><tr><td class=\"c x1dc y1738 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.560 </div></td><td class=\"c x375 y1738 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">464.486 </div></td><td></td><td class=\"c x377 y1738 w37 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.050.057 </div></td></tr><tr><td class=\"c x1dc y1739 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.235 </div></td><td class=\"c x375 y1739 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.487 </div></td><td></td><td></td><td class=\"c x378 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.723 </div></td></tr><tr><td class=\"c x1dc y173a w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.972 </div></td><td class=\"c x377 y173a w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">16<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.988 </div></td></tr><tr><td class=\"c x1dc y173b w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.629.573<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173b w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">850.382<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173b w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">8.972<span class=\"ls0\"> </span></div></td><td class=\"c x377 y173b w37 h37\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">28<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.488.955<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y173c w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y173c w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.525 </div></td><td class=\"c x375 y173c w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.390 </div></td><td class=\"c x307 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-113.663 </div></td><td class=\"c x377 y173c w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">219</span> </div></td><td class=\"c x378 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-127.796 </div></td></tr><tr><td class=\"c x1dc y173d w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.622.048<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173d w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">843.993<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173d w36 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104.691</span> </div></td><td class=\"c x377 y173d w37 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">191</span> </div></td><td class=\"c x378 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.361.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y173e w454 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y173f w40 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1740 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1741 w19f h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1741 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1741 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1741 w19c h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1742 w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1743 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.228.527 </div></td><td class=\"c x375 y1743 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.875 </div></td><td></td><td></td><td class=\"c x378 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.267.402 </div></td></tr><tr><td class=\"c x1dc y1744 w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.858.508 </div></td><td class=\"c x375 y1744 w40 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">293.533 </div></td><td></td><td class=\"c x377 y1744 w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.152.078 </div></td></tr><tr><td class=\"c x1dc y1745 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.906 </div></td><td class=\"c x375 y1745 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.425 </div></td><td></td><td></td><td class=\"c x378 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.331 </div></td></tr><tr><td class=\"c x1dc y1746 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.342 </div></td><td class=\"c x377 y1746 w37 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.048 </div></td><td class=\"c x378 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.390 </div></td></tr><tr><td class=\"c x1dc y1747 w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.104.941<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1747 w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">376.834<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1747 w36 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">12.342<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1747 w37 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.084<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.499.201<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1748 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.878 </div></td><td class=\"c x375 y1748 w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.125 </div></td><td class=\"c x307 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.080 </div></td><td class=\"c x377 y1748 w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">413</span> </div></td><td class=\"c x378 y1748 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.496 </div></td></tr><tr><td class=\"c x1dc y1749 w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.095.063<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1749 w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">370.708<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1749 w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.262<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1749 w37 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.671<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.475.705<span class=\"ls0\"> </span></div></td></tr></table></div>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span>per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span>Stage 2<span class=\"_ _128\"> </span>Stage 3<span class=\"_ _128\"> </span>12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCI<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Sehr gut<span class=\"_ _128\"> </span>733.938<span class=\"_ _128\"> </span>224.989<span class=\"_ _128\"> </span>958.928<span class=\"_ _128\"> </span>Gut<span class=\"_ _128\"> </span>543.937<span class=\"_ _128\"> </span>96.809<span class=\"_ _128\"> </span>640.747<span class=\"_ _128\"> </span>Mangelhaft<span class=\"_ _128\"> </span>2.507<span class=\"_ _128\"> </span>16.782<span class=\"_ _128\"> </span>19.290<span class=\"_ _128\"> </span>Non performing<span class=\"_ _128\"> </span>20.957<span class=\"_ _128\"> </span>20.957<span class=\"_ _128\"> </span>Eventualobligo Brutto<span class=\"_ _128\"> </span>1.280.383<span class=\"ls0\"> </span>338.581<span class=\"ls0\"> </span>20.957<span class=\"ls0\"> </span>1.639.921<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span>-1.811<span class=\"_ _128\"> </span>-3.800<span class=\"_ _128\"> </span>-4.089<span class=\"_ _128\"> </span>-9.700<span class=\"_ _128\"> </span>Eventualobligo Netto<span class=\"_ _128\"> </span>1.278.572<span class=\"ls0\"> </span>334.781<span class=\"ls0\"> </span>16.868<span class=\"ls0\"> </span>1.630.221<span class=\"ls0\"> </span>Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span>nanzgarantien<span class=\"_ _128\"> </span>per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span>Stage 1<span class=\"_ _128\"> </span>Stage 2<span class=\"_ _128\"> </span>Stage 3<span class=\"_ _128\"> </span>12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span>LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span>POCI<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Sehr gut<span class=\"_ _128\"> </span>774.620<span class=\"_ _128\"> </span>18.479<span class=\"_ _128\"> </span>793.099<span class=\"_ _128\"> </span>Gut<span class=\"_ _128\"> </span>493.753<span class=\"_ _128\"> </span>72.366<span class=\"_ _128\"> </span>566.119<span class=\"_ _128\"> </span>Mangelhaft<span class=\"_ _128\"> </span>2.883<span class=\"_ _128\"> </span>27.495<span class=\"_ _128\"> </span>30.378<span class=\"_ _128\"> </span>Non performing<span class=\"_ _128\"> </span>11.473<span class=\"_ _128\"> </span>11.473<span class=\"_ _128\"> </span>Eventualobligo Brutto<span class=\"_ _128\"> </span>1.271.256<span class=\"ls0\"> </span>118.340<span class=\"ls0\"> </span>11.473<span class=\"ls0\"> </span>1.401.070<span class=\"ls0\"> </span>Risikovorsorge<span class=\"_ _128\"> </span>-2.259<span class=\"_ _128\"> </span>-3.024<span class=\"_ _128\"> </span>-9.652<span class=\"_ _128\"> </span>-14.935<span class=\"_ _128\"> </span>Eventualobligo Netto<span class=\"_ _128\"> </span>1.268.998<span class=\"ls0\"> </span>115.316<span class=\"ls0\"> </span>1.821<span class=\"ls0\"> </span>1.386.135<span class=\"ls0\"> </span>Alle <span class=\"ff9\">finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e, die nicht unter die Kategorie \u201enon<span class=\"_ _1\"></span></span>-<span class=\"ff9\">performing\u201c fallen, sind nicht mehr als 90 Tage \u00fcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span></span>f\u00e4llig. Befinden sich die verbleibenden finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerte in Verzug, so werd<span class=\"_ _0\"></span>en die jeweiligen KundInnen mit ih-<span class=\"_ _128\"> </span>ren gesamten finanziellen Verm\u00f6gensw<span class=\"_ _0\"></span>erten in der nachstehenden Tab<span class=\"_ _0\"></span>elle als KundInnen in Verzug dargestellt.<span class=\"_ _0\"></span> per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>In Verzug seit<span class=\"_ _128\"> </span>Kredite und Forderungen<span class=\"_ _128\"> </span>Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span>Eventualverbindlichkeiten<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Unter 30 Tagen<span class=\"_ _128\"> </span>246.245<span class=\"_ _128\"> </span>5.822<span class=\"_ _128\"> </span>252.067<span class=\"_ _128\"> </span>Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span>10.566<span class=\"_ _128\"> </span>450<span class=\"ls0\"> </span>11.015<span class=\"_ _128\"> </span>Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span>1.155<span class=\"_ _128\"> </span>100<span class=\"ls0\"> </span>1.255<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>257.965<span class=\"ls0\"> </span>6.372<span class=\"ls0\"> </span>264.337<span class=\"ls0\"> </span>1) Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span>sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span>per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>In Verzug seit<span class=\"_ _128\"> </span>Kredite und Forderungen<span class=\"_ _128\"> </span>Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span>Eventualverbindlichkeiten<span class=\"_ _128\"> </span>Gesamt<span class=\"_ _128\"> </span>Unter 30 Tagen<span class=\"_ _128\"> </span>194.936<span class=\"_ _128\"> </span>10.892<span class=\"_ _128\"> </span>205.828<span class=\"_ _128\"> </span>Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span>17.227<span class=\"_ _128\"> </span>386<span class=\"ls0\"> </span>17.613<span class=\"_ _128\"> </span>Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span>670<span class=\"ls0\"> </span>11<span class=\"ls0\"> </span>681<span class=\"ls0\"> </span>Gesamt<span class=\"_ _128\"> </span>212.833<span class=\"ls0\"> </span>11.290<span class=\"ls0\"> </span>224.122<span class=\"ls0\"> </span>1) Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span>sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span>Die Buch- und<span class=\"_ _0\"></span> beizulegenden Zeitwerte von Beteiligungspositionen zeigen folgendes Bild:<span class=\"_ _1\"></span> <table class=\"s w471 h217\" id=\"_16d7afef-0a6b-4362-8dd3-11caa5d447a8\"><tr><td class=\"c x174 y1792 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac</span><span class=\"ffb ls2\"><span class=\"_ _0\"></span></span> </div></td><td></td><td class=\"c x19d y1792 w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y1793 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewertungsart<span class=\"_ _0\"></span> </div></td><td class=\"c x19d y1793 w1aa hc\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y1793 w1ab hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y1794 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1795 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y1795 w1aa hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y1795 w1ab hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1796 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1796 w1aa h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td><td></td><td class=\"c x396 y1796 w1ab h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td></tr><tr><td class=\"c x174 y1797 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1798 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1798 w1aa h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td><td></td><td class=\"c x396 y1798 w1ab h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td></tr><tr><td class=\"c x174 y1799 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179a wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y179a w1aa hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x396 y179a w1ab hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">659.455 </div></td></tr><tr><td class=\"c x174 y179b wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179c wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y179c w1aa hc\"><div class=\"t m0 x2f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.396.451<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y179c w1ab hc\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">956.261<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y179d wae hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x19d y179d w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y179e wae h2a\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewe<span class=\"_ _0\"></span>rtungsart </div></td><td class=\"c x19d y179e w1aa h2a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y179e w1ab h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y179f wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a0 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a0 w1aa h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y17a0 w1ab h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y17a1 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a1 w1aa hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td></td><td class=\"c x396 y17a1 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td></tr><tr><td class=\"c x174 y17a2 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a3 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Posit<span class=\"_ _0\"></span>ionen</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a3 w1aa hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td><td></td><td class=\"c x396 y17a3 w1ab hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td></tr><tr><td class=\"c x174 y17a4 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a5 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a5 w1aa hc\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td></td><td class=\"c x396 y17a5 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">730.120 </div></td></tr><tr><td class=\"c x174 y17a6 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a7 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y17a7 w1aa h12\"><div class=\"t m0 x2f h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">1.265.071<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y17a7 w1ab h12\"><div class=\"t m0 x40 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">994.427<span class=\"ls0\"> </span></div></td></tr></table>Die Laufzeitenstruktur der f\u00fcr<span class=\"_ _0\"></span> Repotransaktionen hinterlegten Wertpapiere und Kred<span class=\"_ _0\"></span>ite stellt sich wie folgt dar:<span class=\"_ _1\"></span> <table class=\"s w476 h21a\" id=\"_4eecafa6-72ac-4ad1-93df-00c98ad4b0fb\"><tr><td class=\"c x3a4 y17ba w1b5 hc\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2022<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17ba w145 hc\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17ba w1b6 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17ba w145 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17ba w1b6 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y17bb w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y17bb w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.512 </div></td><td class=\"c x3a6 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">484.868 </div></td><td class=\"c x3a7 y17bb w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.379.657 </div></td><td class=\"c x3a8 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.054 </div></td></tr><tr><td class=\"c x3a4 y17bc w1b5 h12\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2021<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17bc w145 h12\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17bc w1b6 h12\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17bc w145 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17bc w1b6 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y14f4 w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y14f4 w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.008 </div></td><td class=\"c x3a6 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">482.717 </div></td><td class=\"c x3a7 y14f4 w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.765.168 </div></td><td class=\"c x3a8 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">285.209 </div></td></tr></table>Vertragliche Cashflows der finanziellen Verbindlic<span class=\"_ _0\"></span>hkeiten nach IFRS 7/39 a und b<span class=\"_ _0\"></span> <table class=\"s w477 h21b\" id=\"_e6c98e8e-ee8f-46ea-828e-145a69bd13a9\"><tr><td></td><td></td><td class=\"c x3a9 y17bd w478 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17be w1b7 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17be w40 h3b\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17be w40 h3b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17be w36 h3b\"><div class=\"t m0 x5c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17be w37 h3b\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17be w38 h3b\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17c0 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c1 w47a h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735  </div></td><td class=\"c x3b0 y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.669.838  </div></td><td class=\"c x3ac y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">901.757  </div></td><td class=\"c x3ad y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">514.536  </div></td><td class=\"c x3ae y17c2 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.275.062  </div></td><td class=\"c x3af y17c2 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x3a4 y17c3 w1b7 ha0\"><div class=\"t m0 xa6 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.292.756  </div></td><td class=\"c x3b0 y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.431.861  </div></td><td class=\"c x3ac y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">541.898  </div></td><td class=\"c x3ad y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">490.884  </div></td><td class=\"c x3ae y17c3 w37 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.420.594  </div></td><td class=\"c x3af y17c3 w38 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x178 y17c4 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c5 w47b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355  </div></td><td class=\"c x3b0 y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.166.224  </div></td><td class=\"c x3ac y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.539.885  </div></td><td class=\"c x3ad y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.023.651  </div></td><td class=\"c x3ae y17c6 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">415.079  </div></td><td class=\"c x3af y17c6 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">187.609  </div></td></tr><tr><td class=\"c x3a4 y17c7 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x3b0 y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.694.494  </div></td><td class=\"c x3ac y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.587  </div></td><td class=\"c x3ad y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.399  </div></td><td class=\"c x3ae y17c7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">928.253  </div></td><td class=\"c x3af y17c7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.622.255  </div></td></tr><tr><td class=\"c x3a4 y17c8 w1b7 h3b\"><div class=\"t m0 x90 h6 y9d8 ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712  </div></td><td class=\"c x3b0 y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">565.266  </div></td><td class=\"c x3ac y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.224  </div></td><td class=\"c x3ad y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.659  </div></td><td class=\"c x3ae y17c8 w37 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">299.672  </div></td><td class=\"c x3af y17c8 w38 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">202.712  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17cb w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.170  </div></td><td class=\"c x3b0 y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">232.977  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls2 ws0\">162</div></td><td class=\"c x3ad y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.734  </div></td><td class=\"c x3ae y17cb w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">138.091  </div></td><td class=\"c x3af y17cb w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.314  </div></td></tr></table><div class=\"gsa\"><table class=\"s w477 h21c\" id=\"_c6cc4739-97b4-4c2f-ac26-9c00a26ec5f4\"><tr><td></td><td></td><td class=\"c x3a9 y17cc w478 h21d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17cd w1b7 ha0\"><div class=\"t m0 x90 h6 y81 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17cd w40 ha0\"><div class=\"t m0 x85 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17cd w40 ha0\"><div class=\"t m0 x59 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17cd w36 ha0\"><div class=\"t m0 x5c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17cd w37 ha0\"><div class=\"t m0 x47 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17cd w38 ha0\"><div class=\"t m0 x8c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17ce w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17cf w47a h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.337  </div></td><td class=\"c x3b0 y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.991.906  </div></td><td class=\"c x3ac y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.017.656  </div></td><td class=\"c x3ad y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">402.361  </div></td><td class=\"c x3ae y17d0 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.701.525  </div></td><td class=\"c x3af y17d0 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x3a4 y17d1 w1b7 h3b\"><div class=\"t m0 xa6 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.042.864  </div></td><td class=\"c x3b0 y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.088.338  </div></td><td class=\"c x3ac y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">425.994  </div></td><td class=\"c x3ad y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">401.074  </div></td><td class=\"c x3ae y17d1 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390.905  </div></td><td class=\"c x3af y17d1 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x178 y17d2 w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17d3 w47b h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589  </div></td><td class=\"c x3b0 y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.763.428  </div></td><td class=\"c x3ac y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.681.943  </div></td><td class=\"c x3ad y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">422.926  </div></td><td class=\"c x3ae y17d4 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">433.152  </div></td><td class=\"c x3af y17d4 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">225.408  </div></td></tr><tr><td class=\"c x3a4 y17d5 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.646  </div></td><td class=\"c x3b0 y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.339.361  </div></td><td class=\"c x3ac y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.952  </div></td><td class=\"c x3ad y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.286  </div></td><td class=\"c x3ae y17d5 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">806.118  </div></td><td class=\"c x3af y17d5 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.388.005  </div></td></tr><tr><td class=\"c x3a4 y17d6 w1b7 h3a\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368  </div></td><td class=\"c x3b0 y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.687  </div></td><td class=\"c x3ac y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.222  </div></td><td class=\"c x3ad y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.283  </div></td><td class=\"c x3ae y17d6 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">321.477  </div></td><td class=\"c x3af y17d6 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.706  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17d7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.823  </div></td><td class=\"c x3b0 y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                            </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.971  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls2 ws0\">495</div></td><td class=\"c x3ad y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.795  </div></td><td class=\"c x3ae y17d7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.116  </div></td><td class=\"c x3af y17d7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.555  </div></td></tr></table></div>54) Gesamtvolumen noch nicht abgewickel<span class=\"_ _0\"></span>ter derivativer Finanzprodukte<span class=\"_ _0\"></span> Die am Bilanzstichtag noch<span class=\"_ _0\"></span> nicht abgewickelten derivativen Finanzgesch\u00e4fte werd<span class=\"_ _0\"></span>en in der folgenden \u00dcbersicht<span class=\"_ _0\"></span> einseitig<span class=\"_ _128\"> </span>dargestellt. In der Oberbank w<span class=\"_ _0\"></span>erden Derivate \u00fcberwiegend zur Absicherung von M<span class=\"_ _0\"></span>arktrisiken im K<span class=\"_ _0\"></span>undengesch\u00e4ft<span class=\"_ _0\"></span> und zur<span class=\"_ _128\"> </span>Steuerung des Ban<span class=\"_ _0\"></span>kbuchs abgeschlossen.<span class=\"_ _128\"> </span>Die Oberbank verfolgt fo<span class=\"_ _0\"></span>lgende Absicherungsstrategie:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Derivative Produkte, die an G<span class=\"_ _0\"></span>esch\u00e4ftskundInnen verkauft werden, werden grunds\u00e4tzlich geschlossen.<span class=\"_ _1\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Derivative Produkte werden<span class=\"_ _0\"></span> weiters zur Absicheru<span class=\"_ _0\"></span>ng von Zins- und W\u00e4hrungsr<span class=\"_ _0\"></span>isiken aus Kassagesch\u00e4ften eingesetzt.<span class=\"_ _0\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Langlaufende eigene Emissionen u<span class=\"_ _0\"></span>nd Schuldscheindarlehen, die zur Absicherung d<span class=\"_ _0\"></span>er Liquidit\u00e4t begeben werden, werden<span class=\"_ _0\"></span> </span></span>zum Teil mittels Zinsswap<span class=\"_ _0\"></span>s zinsgesichert.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Im Einzelfall werden fix verzinst<span class=\"_ _0\"></span>e Wertpapierveranlagungen f\u00fcr das<span class=\"_ _0\"></span> Bankbuch mittels Swap abgesichert.<span class=\"_ _0\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Offene Derivate sind dah<span class=\"_ _0\"></span>er lediglich in untergeordneter H\u00f6he im Handelsbuch vorh<span class=\"_ _0\"></span>anden.<span class=\"_ _0\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Es befinden sich keine Kreditderiva<span class=\"_ _0\"></span>te im Bestand der Oberbank.</span></span><span class=\"ff7\"><span class=\"ff4\"><span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> </span></span><table class=\"s w480 h21f\" id=\"_a33d9dbc-e40a-4e05-b6ba-1faa1fa54ac4\"><tr><td></td><td></td><td class=\"c x3b3 y17d8 w1ba hc\"><div class=\"t m0 x14 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Nominalbetr\u00e4ge </div></td><td></td><td></td><td class=\"c x3b4 y17d8 w1bb hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x3b5 y17d8 w1ba hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x3b3 y17d9 w1ba hd\"><div class=\"t m0 x41 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Restlaufzeit </div></td><td></td><td class=\"c x3b4 y17d9 w1bc hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x3b6 y17d9 w1bd hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td><td class=\"c x3b5 y17d9 w1be hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x215 y17d9 w6c hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td></tr><tr><td class=\"c x174 y17da w1b9 he\"><div class=\"t m0 x7 h23 y370 ffb fs8 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x3b3 y17da w1bf he\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">bis 1 Jahr </div></td><td class=\"c x3b7 y17da w1c0 he\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1 <span class=\"ls0\">- 5 J.</span><span class=\"ls0\"> </span></div></td><td class=\"c x35d y17da w1be he\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">&gt; 5 J. </div></td><td class=\"c x3b4 y17da w1bc he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x3b6 y17da w1c1 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b8 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td><td class=\"c x3b5 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x215 y17da w1c0 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b9 y17da w1bf he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td></tr><tr><td class=\"c x174 y17db w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dc w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dd w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17dd w1bf hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">110<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17dd w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.310 </div></td><td class=\"c x35d y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17dd w1bc hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.420 </div></td><td class=\"c x3b6 y17dd w1c1 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">212<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3b5 y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.920 </div></td><td class=\"c x215 y17dd w1c0 hf\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">64<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17de w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17de w1bf he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">460<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17de w1c0 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.710 </div></td><td class=\"c x35d y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17de w1bc he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.170 </div></td><td></td><td class=\"c x3b8 y17de w1be he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">229</span> </div></td><td class=\"c x3b5 y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.370 </div></td><td></td><td class=\"c x3b9 y17de w1bf he\"><div class=\"t m0 x4a h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">59</span> </div></td></tr><tr><td class=\"c x174 y17df w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Swaptions </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3b5 y17e0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.000 </div></td><td class=\"c x215 y17e0 w1c0 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">413<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17e1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td class=\"c x35d y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td class=\"c x3b4 y17e1 w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td></td><td class=\"c x3b8 y17e1 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.237 </div></td><td class=\"c x3b5 y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">49.000 </div></td><td></td><td class=\"c x3b9 y17e1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.354 </div></td></tr><tr><td class=\"c x174 y17e2 w1c2 he\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinsswaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e3 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17e3 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">22.535 </div></td><td class=\"c x3b7 y17e3 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">246.251 </div></td><td class=\"c x35d y17e3 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.856 </div></td><td class=\"c x3b4 y17e3 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">418.642 </div></td><td class=\"c x3b6 y17e3 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">33.568 </div></td><td class=\"c x3b8 y17e3 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.966 </div></td><td class=\"c x3b5 y17e3 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">532.867 </div></td><td class=\"c x215 y17e3 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.820 </div></td><td class=\"c x3b9 y17e3 w1bf hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-25.342 </div></td></tr><tr><td class=\"c x174 y17e4 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17e4 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">86.035 </div></td><td class=\"c x3b7 y17e4 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">981.582 </div></td><td class=\"c x35d y17e4 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">719.333 </div></td><td class=\"c x3b4 y17e4 w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.786.950 </div></td><td class=\"c x3b6 y17e4 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.098 </div></td><td class=\"c x3b8 y17e4 w1be hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-177.160 </div></td><td class=\"c x3b5 y17e4 w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.909.085 </div></td><td class=\"c x215 y17e4 w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">93.825 </div></td><td class=\"c x3b9 y17e4 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-5.867 </div></td></tr><tr><td class=\"c x174 y17e5 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Anleiheoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e6 w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e7 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e8 w1c2 hd\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Wechselkursvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e9 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">W\u00e4hrungsoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ea w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ea w1bf he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td></td><td></td><td class=\"c x3b4 y17ea w1bc he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td class=\"c x3b6 y17ea w1c1 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.242 </div></td><td></td><td class=\"c x3b5 y17ea w1be he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.405 </div></td><td class=\"c x215 y17ea w1c0 he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">354<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17eb w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17eb w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td></td><td class=\"c x3b4 y17eb w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td class=\"c x3b8 y17eb w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.272 </div></td><td class=\"c x3b5 y17eb w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">28.760 </div></td><td></td><td class=\"c x3b9 y17eb w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">291</span> </div></td></tr><tr><td class=\"c x174 y17ec w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Devisentermingesch\u00e4fte  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ed w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ed w1bf hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.685.649 </div></td><td class=\"c x3b7 y17ed w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">169.546 </div></td><td></td><td class=\"c x3b4 y17ed w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.855.195 </div></td><td class=\"c x3b6 y17ed w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.984 </div></td><td></td><td class=\"c x3b5 y17ed w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.292.108 </div></td><td class=\"c x215 y17ed w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">24.702 </div></td><td></td></tr><tr><td class=\"c x174 y17ee w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17ee w1bf he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.693.451 </div></td><td class=\"c x3b7 y17ee w1c0 he\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">170.065 </div></td><td></td><td class=\"c x3b4 y17ee w1bc he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.863.516 </div></td><td></td><td class=\"c x3b8 y17ee w1be he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-36.913 </div></td><td class=\"c x3b5 y17ee w1be he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.297.011 </div></td><td></td><td class=\"c x3b9 y17ee w1bf he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.703 </div></td></tr><tr><td class=\"c x174 y17ef w1c3 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Cross Currency Swaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17f0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17f0 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">27.368 </div></td><td class=\"c x3b7 y17f0 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">221.015 </div></td><td class=\"c x35d y17f0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.736 </div></td><td class=\"c x3b4 y17f0 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.119 </div></td><td class=\"c x3b6 y17f0 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.679 </div></td><td class=\"c x3b8 y17f0 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.207 </div></td><td class=\"c x3b5 y17f0 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.969 </div></td><td class=\"c x215 y17f0 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.739 </div></td><td class=\"c x3b9 y17f0 w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">639</span> </div></td></tr><tr><td class=\"c x174 y17f1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17f1 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">11.724 </div></td><td class=\"c x3b7 y17f1 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">171.853 </div></td><td></td><td class=\"c x3b4 y17f1 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">183.577 </div></td><td class=\"c x3b6 y17f1 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.473 </div></td><td class=\"c x3b8 y17f1 w1be hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-11.837 </div></td><td class=\"c x3b5 y17f1 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">176.455 </div></td><td class=\"c x215 y17f1 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.414 </div></td><td class=\"c x3b9 y17f1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-6.831 </div></td></tr></table>F\u00fcr die Berechnung d<span class=\"_ _0\"></span>er Marktwerte kommen anerkannte Bewertungsmodelle zum Einsat<span class=\"_ _0\"></span>z, wobei die Bewertung zu Markt<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>bedingungen <span class=\"_ _0\"></span>durchgef\u00fchrt wird. F\u00fcr symmetrische Produkte (Int<span class=\"_ _0\"></span>erest Rate Swaps, Devisentermingesch\u00e4fte) erfolgt die<span class=\"_ _128\"> </span>Marktwertberechnun<span class=\"_ _0\"></span>g nach der Barwertmethode, wobei der Clean Price dargestellt wird. Als Basis f\u00fcr d<span class=\"_ _0\"></span>ie Berechnung kom-<span class=\"_ _128\"> </span>men die Zinskurven aus Refinit<span class=\"_ _0\"></span>y zur Anwendung. A<span class=\"_ _0\"></span>ls Devisenkurse werden die von d<span class=\"_ _0\"></span>er EZB ver\u00f6ffentlichten Referenzkurse<span class=\"_ _128\"> </span>verwendet. Die Marktwert<span class=\"_ _0\"></span>e von asymmetrischen Produkten werden gem\u00e4\u00df Opt<span class=\"_ _0\"></span>ionspreismodellen wie zum Beispiel von<span class=\"_ _128\"> </span>Black-Scholes, Hull &amp; White berechnet. <span class=\"_ _0\"></span>F\u00fcr die Bewertung von Op<span class=\"_ _0\"></span>tionen w<span class=\"_ _0\"></span>erden implizite Volatilit\u00e4ten herangezogen.<span class=\"_ _128\"> </span>58) Wertpapieraufgliederung nach BWG in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span><table class=\"s w482 h221\" id=\"_629a30fa-3b8e-4211-ab02-52aab9ea5148\"><tr><td></td><td class=\"c x3bd y17f7 w483 h158\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6r-<span class=\"_ _128\"> </span></div></td><td class=\"c x3be y17f7 w484 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wie AV bewer-<span class=\"_ _128\"> </span></div></td><td class=\"c x3bf y17f7 w485 h158\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Andere Bewer-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x3c0 y17f8 w486 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sennotiert<span class=\"_ _128\"> </span></div></td><td class=\"c x3c1 y17f9 w1c9 h34\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x3c2 y17f8 w487 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">tet<span class=\"_ _128\"> </span></div></td><td class=\"c x3c3 y17f8 w488 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">tung<span class=\"_ _128\"> </span></div></td><td class=\"c x3c4 y17f9 w1cc h34\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y17fa w489 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen u. a.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17fb w48a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">festverzinsliche Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x3c5 y17fc w1c8 h44\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.305 </div></td><td class=\"c x3c1 y17fc w1c9 h44\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.981.885 </div></td><td class=\"c x3c6 y17fc w1ca h44\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.781.315 </div></td><td class=\"c x3c7 y17fc w1cb h44\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.875 </div></td><td class=\"c x3c4 y17fc w1cc h44\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.128.190 </div></td></tr><tr><td class=\"c x3c8 y17fd w1c7 h28\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Aktien u. a. nicht festverzins-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">liche Wertpapiere </div></td><td class=\"c x3c5 y17fd w1c8 h28\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">155.232 </div></td><td class=\"c x3c1 y17fd w1c9 h28\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.263 </div></td><td class=\"c x3c6 y17fd w1ca h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.201 </div></td><td class=\"c x3c7 y17fd w1cb h28\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.294 </div></td><td class=\"c x3c4 y17fd w1cc h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">218.495 </div></td></tr><tr><td class=\"c x3c8 y17fe w1c7 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x3c5 y17fe w1c8 hd\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.508 </div></td><td class=\"c x3c1 y17fe w1c9 hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">317.572 </div></td><td class=\"c x3c6 y17fe w1ca hd\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">460.080 </div></td><td class=\"c x3c7 y17fe w1cb hd\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c4 y17fe w1cc hd\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">460.080 </div></td></tr><tr><td class=\"c x3c8 y17ff w1c7 h28\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbun<span class=\"_ _0\"></span>denen Un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ternehmen </div></td><td class=\"c x3c5 y17ff w1c8 h28\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td><td class=\"c x3c1 y17ff w1c9 h28\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c6 y17ff w1ca h28\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td><td class=\"c x3c7 y17ff w1cb h28\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c4 y17ff w1cc h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td></tr><tr><td></td><td class=\"c x3c5 y1800 w1c8 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">564.403<span class=\"ls0\"> </span></div></td><td class=\"c x3c1 y1800 w1c9 hf\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.362.720<span class=\"ls0\"> </span></div></td><td class=\"c x3c6 y1800 w1ca hf\"><div class=\"t m0 x9f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.416.954<span class=\"ls0\"> </span></div></td><td class=\"c x3c7 y1800 w1cb hf\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">510.169<span class=\"ls0\"> </span></div></td><td class=\"c x3c4 y1800 w1cc hf\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.927.123<span class=\"ls0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-403": {
   "value": "<div class=\"gsc8\"><table class=\"s w2d2 h175\" id=\"_e76b0861-769a-40b4-91f1-e69cb2483354\"><tr><td class=\"c x1ef y1179 w73 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">6) Provisionsergebnis<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1179 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1179 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y117a w73 h2a\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge:<span class=\"_ _128\"> </span> </div></td><td></td><td></td></tr><tr><td class=\"c x1ef y117b w73 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungsverkehr<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117b w81 hc\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">70.087<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117b w82 hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.423<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117c w73 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiergesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117c w81 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">80.055<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117c w82 hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">76.559<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117d w73 h12\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Devisen-, Sorten<span class=\"_ _0\"></span>- und Edelmetallgesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117d w81 h12\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.378<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117d w82 h12\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.943<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117e w73 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117e w81 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">46.902<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117e w82 hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.627<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y117f w73 h12\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges Dienstleistun<span class=\"_ _0\"></span>gs- und Beratungsgesch\u00e4ft<span class=\"ff5\"> </span></div></td><td class=\"c x1f0 y117f w81 h12\"><div class=\"t m0 x36 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.801<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y117f w82 h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.276<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1180 w73 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge gesamt<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1180 w81 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">227.223<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1180 w82 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">212.828 </div></td></tr><tr><td class=\"c x1ef y1181 w73 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1181 w81 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1181 w82 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ff4 ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1182 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungsverkehr </div></td><td class=\"c x1f0 y1182 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">5.709 </div></td><td class=\"c x1f1 y1182 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.523 </div></td></tr><tr><td class=\"c x1ef y1183 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiergesch\u00e4ft </div></td><td class=\"c x1f0 y1183 w81 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">8.919 </div></td><td class=\"c x1f1 y1183 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.564 </div></td></tr><tr><td class=\"c x1ef y1184 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Devisen-<span class=\"ls4\">, </span>Sorten- und Ed<span class=\"_ _0\"></span>elmetallgesch\u00e4ft </div></td><td class=\"c x1f0 y1184 w81 hf\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">684<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1184 w82 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">605<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1185 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft </div></td><td class=\"c x1f0 y1185 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.578 </div></td><td class=\"c x1f1 y1185 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.990 </div></td></tr><tr><td class=\"c x1ef y1186 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges Dienstleistun<span class=\"_ _0\"></span>gs- und Beratungsgesch\u00e4ft </div></td><td class=\"c x1f0 y1186 w81 hf\"><div class=\"t m0 x10 h5 y84 ff4 fs2 fc2 sc0 ls2 ws0\">471<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y1186 w82 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.195 </div></td></tr><tr><td class=\"c x1ef y1187 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen gesamt </div></td><td class=\"c x1f0 y1187 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">20.361 </div></td><td class=\"c x1f1 y1187 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.877 </div></td></tr><tr><td class=\"c x1ef y1188 w73 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsergebnis </div></td><td class=\"c x1f0 y1188 w81 hd\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">206.862 </div></td><td class=\"c x1f1 y1188 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">191.951 </div></td></tr><tr><td class=\"c x1f2 y1189 w3 h3\"><div class=\"t m0 x3 h17 y5c0 ff4 fs4 fc2 sc0 ls0 ws0\">Darin ent<span class=\"_ _5\"></span>halten ist ei<span class=\"_ _5\"></span>n Ertrag in H\u00f6he von 5.535 Tsd. <span class=\"_ _5\"></span>Euro (Vorjah<span class=\"_ _5\"></span>r 5.115 Tsd. Euro<span class=\"_ _5\"></span>) aus Verm\u00f6gens<span class=\"_ _5\"></span>verwaltun<span class=\"_ _5\"></span>g f\u00fcr fre<span class=\"_ _5\"></span>mde Rechnung. </div><div class=\"t m0 x3 h5 y24b ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-404": {
   "value": "<div class=\"gsa\"><table class=\"s w2d0 h176\" id=\"_4745cc65-23aa-4b55-860f-c046c6ed9ddd\"><tr><td class=\"c x174 y118a w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">7) Handelsergebnis </div></td><td class=\"c x1e7 y118a w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y118a w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y118b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinne/Verluste aus zinsb<span class=\"_ _0\"></span>ezogenen Gesch\u00e4ften </div></td><td class=\"c x1e7 y118b w81 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.647 </div></td><td class=\"c x1e8 y118b w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.303 </div></td></tr><tr><td class=\"c x174 y118c w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinne/Verluste aus Devisen<span class=\"_ _0\"></span>-, Valuten- und<span class=\"_ _0\"></span> M\u00fcnzengesch\u00e4ft </div></td><td class=\"c x1e7 y118c w81 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.928 </div></td><td class=\"c x1e8 y118c w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.945 </div></td></tr><tr><td class=\"c x174 y118d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinne/Verluste aus Derivaten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y118d w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.819 </div></td><td class=\"c x1e8 y118d w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.516 </div></td></tr><tr><td class=\"c x174 y118e w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x1e7 y118e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.100 </div></td><td class=\"c x1e8 y118e w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.764 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-406": {
   "value": "<div class=\"gsc8\"><table class=\"s w2d3 h177\" id=\"_fb9fec9b-b7d8-4d64-be27-20f41ff4526f\"><tr><td class=\"c x1ef y118f w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">8) Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y118f w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y118f w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1190 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Personalaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1190 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">193.378<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1190 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">192.518<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1191 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere Verwaltungsaufwendungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1191 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">97.552<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1191 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.573<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1192 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen und Wertb<span class=\"_ _0\"></span>erichtigungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1192 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">29.401<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1192 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1193 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1193 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">320.331<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1193 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">313.568<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1f2 y1194 w3 h3\"><div class=\"t m0 x3 h17 y5c8 ff4 fs4 fc2 sc0 ls0 ws0\">Die Pensio<span class=\"_ _5\"></span>nskassenbeitr\u00e4ge b<span class=\"_ _5\"></span>eliefen sich <span class=\"_ _5\"></span>auf 3.841 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 3.888 Tsd. Euro)<span class=\"_ _5\"></span>. </div><div class=\"t m0 x3 h5 y5c9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-430": {
   "value": "<table class=\"s w2d3 h177\" id=\"_fb9fec9b-b7d8-4d64-be27-20f41ff4526f\"><tr><td class=\"c x1ef y118f w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">8) Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y118f w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y118f w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1190 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Personalaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1190 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">193.378<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1190 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">192.518<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1191 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere Verwaltungsaufwendungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1191 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">97.552<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1191 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.573<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1192 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen und Wertb<span class=\"_ _0\"></span>erichtigungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1192 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">29.401<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1192 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1193 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1193 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">320.331<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1193 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">313.568<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1f2 y1194 w3 h3\"><div class=\"t m0 x3 h17 y5c8 ff4 fs4 fc2 sc0 ls0 ws0\">Die Pensio<span class=\"_ _5\"></span>nskassenbeitr\u00e4ge b<span class=\"_ _5\"></span>eliefen sich <span class=\"_ _5\"></span>auf 3.841 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 3.888 Tsd. Euro)<span class=\"_ _5\"></span>. </div><div class=\"t m0 x3 h5 y5c9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><div class=\"gs15d\"><table class=\"s w2ec h19e\" id=\"_121736cb-db37-462b-9425-247de66ac81e\"><tr><td class=\"c x174 y12c1 wb1 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">25) R\u00fcckstellungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c1 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12c1 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12c2 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abfertigungs- und<span class=\"_ _0\"></span> Pensionsr\u00fcckstellung<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c2 w74 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c2 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c3 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcckstellung<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c3 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c3 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c4 wb1 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen f\u00fcr das Kred<span class=\"_ _0\"></span>itgesch\u00e4ft<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c4 w74 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.497<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c4 w82 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.250<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c5 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12c5 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.506<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c5 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.349<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c6 wb1 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c6 w74 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.621<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c6 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">364.802 </div></td></tr><tr><td class=\"c x174 y12c7 w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der R\u00fcckstellung f\u00fcr Abfertigungen un<span class=\"_ _0\"></span>d Pensionen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12c7 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12c7 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12c8 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellung zum 1.1. </div></td><td class=\"c x1e7 y12c8 w8e he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295 </div></td><td class=\"c x1e8 y12c8 w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.775 </div></td></tr><tr><td class=\"c x174 y12c9 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung/Aufl\u00f6sung Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellung </div></td><td class=\"c x1e7 y12c9 w8e hf\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.918 </div></td><td class=\"c x1e8 y12c9 w92 hf\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.174 </div></td></tr><tr><td class=\"c x174 y12ca w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung/Aufl\u00f6sung Pensio<span class=\"_ _0\"></span>nsr\u00fcckstellung </div></td><td class=\"c x1e7 y12ca w8e hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.854 </div></td><td class=\"c x1e8 y12ca w92 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.306 </div></td></tr><tr><td class=\"c x174 y12cb w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellung zum 31.12. </div></td><td class=\"c x1e7 y12cb w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.523 </div></td><td class=\"c x1e8 y12cb w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295 </div></td></tr><tr><td class=\"c x174 y12cc w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Darstellung leistungsorientierter <span class=\"_ _0\"></span>Verpflichtungen gem. IAS 19<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12cc w8e hf\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12cc w92 hf\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12cd w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Planverm\u00f6gen </div></td><td class=\"c x1e7 y12cd w8e hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y12cd w92 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12ce w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abfertigungsr\u00fcckstellung </div></td><td class=\"c x1e7 y12ce w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.209 </div></td><td class=\"c x1e8 y12ce w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.126 </div></td></tr><tr><td class=\"c x174 y12cf w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsr\u00fcckstellung </div></td><td class=\"c x1e7 y12cf w8e he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.314 </div></td><td class=\"c x1e8 y12cf w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.169 </div></td></tr><tr><td class=\"c x174 y12d0 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcckstellung </div></td><td class=\"c x1e7 y12d0 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095 </div></td><td class=\"c x1e8 y12d0 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908 </div></td></tr><tr><td class=\"c x174 y12d1 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe leistungsorientierte Versorgun<span class=\"_ _0\"></span>gspl\u00e4ne </div></td><td class=\"c x1e7 y12d1 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">148.618 </div></td><td class=\"c x1e8 y12d1 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">194.203 </div></td></tr></table></div><div class=\"c w3 h3 gs15e\"><div class=\"t m0 x3 h5 y6ce ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y67c ff4 fs2 fc2 sc0 ls0 ws0\">Die leistungsorientiert<span class=\"_ _0\"></span>en Versorgungspl\u00e4ne des Oberbank Konzerns umfassen Ab<span class=\"_ _0\"></span>fertigungs<span class=\"_ _0\"></span>-, Pensions- und Ju<span class=\"_ _0\"></span>bil\u00e4umsgeld-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6cf ff4 fs2 fc2 sc0 ls0 ws0\">verpflichtungen.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y6d0 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y6d1 ff4 fs2 fc2 sc0 ls0 ws0\">Die rechtlichen Grundlagen der Abfert<span class=\"_ _0\"></span>igungsr\u00fcckstellung stellen das Angestelltengesetz (\u00a7 23) so<span class=\"_ _0\"></span>wie der Banken<span class=\"_ _1\"></span>-Kollektiv-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6d2 ff4 fs2 fc2 sc0 ls0 ws0\">vertrag (\u00a7 32) dar<span class=\"_ _0\"></span>. Gem\u00e4\u00df \u00a7 32 des Kollektivvertrags erhalten Dienstn<span class=\"_ _0\"></span>ehmerInnen mit mindestens f\u00fcnfj\u00e4hriger Dienst<span class=\"_ _0\"></span>zeit<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y310 ff9 fs2 fc2 sc0 ls0 ws0\">eine Abfertigung im Ausma\u00df<span class=\"_ _0\"></span> von zwei Monatsentgelten zus\u00e4tzlich zu den An<span class=\"_ _0\"></span>spr\u00fcchen gem\u00e4\u00df AngGes (\u201eAbfertigung alt<span class=\"_ _0\"></span>\u201c)<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y6d3 ff9 fs2 fc2 sc0 ls0 ws0\">bzw. BMSVG (\u201eAb<span class=\"_ _0\"></span>fertigung neu\u201c). Per 31.12.2022 sind 663 P<span class=\"_ _0\"></span>ersonen im System \u201eAbfert<span class=\"_ _0\"></span>igung alt\u201c (92,7 % der Gesamtr\u00fcck-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6d4 ff9 fs2 fc2 sc0 ls0 ws0\">stellung) und 1.217 Person<span class=\"_ _0\"></span>en im System \u201eAbfertigung neu\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span></div><div class=\"t m0 x3 h5 y6d5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y6d6 ff4 fs2 fc2 sc0 ls0 ws0\">Die rechtlichen Grundlagen der Pension<span class=\"_ _0\"></span>sr\u00fcckstellung stellen der Kollektivvertrag b<span class=\"_ _0\"></span>etreffend die Neuregelung des<span class=\"_ _0\"></span> Pensions-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6d7 ff4 fs2 fc2 sc0 ls0 ws0\">rechts (Pensionsreform 1997) sow<span class=\"_ _0\"></span>ie einzelvertragliche Pensionszusagen dar. <span class=\"_ _0\"></span>Mit Stand per 31.12.2022 umfasst die Pension<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6d8 ff4 fs2 fc2 sc0 ls0 ws0\">r\u00fcckstellung im Oberban<span class=\"_ _0\"></span>k Konzern 492 Pensionsempf\u00e4ngerInnen (75,8 % der Gesamt<span class=\"_ _0\"></span>r\u00fcckstellung) und 263 aktive Dienstneh<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6d9 ff4 fs2 fc2 sc0 ls0 ws0\">merInnen (24,2 %<span class=\"_ _0\"></span> der Gesamtr\u00fcckstellung). Der Gro\u00dfteil der aktiven D<span class=\"_ _0\"></span>ienstnehmerInnen (261) besitzt eine Anw<span class=\"_ _0\"></span>artschaft auf<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y6da ff4 fs2 fc2 sc0 ls0 ws0\">eine Besitzstandspension, d<span class=\"_ _0\"></span>ie mit Stichtag 1.1.1997 ermittelt wurde und d<span class=\"_ _0\"></span>eren Wert j\u00e4hrlich im Ausma\u00df der kollektivvertrag-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6db ff4 fs2 fc2 sc0 ls0 ws0\">lichen Gehaltserh\u00f6hun<span class=\"_ _0\"></span>g angepasst wird. Au<span class=\"_ _0\"></span>f diesen Personenkreis entfallen 12,5 % der Gesamtr\u00fcckstellung.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y6dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y6dd ff5 fs2 fc2 sc0 ls0 ws0\">Zu nennende Risiken im Zusammenhang mi<span class=\"_ _0\"></span>t der Pensionsr\u00fcckstellung<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y6de ff4 fs2 fc2 sc0 ls0 ws0\">Berufsunf\u00e4higkeit: Im Fall der Zuerkennung einer Beru<span class=\"_ _0\"></span>fsunf\u00e4higkeitspension kommt w<span class=\"_ _0\"></span>ieder das vor dem 1.1.1997 <span class=\"_ _0\"></span>geltende<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y6df ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsrecht zur Anwendun<span class=\"_ _0\"></span>g, das hei\u00dft, die anfallende Bankleistung ist<span class=\"_ _0\"></span> eine \u00dcbergangspension (Gesamtp<span class=\"_ _0\"></span>ension) auf Basis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y6e0 ff4 fs2 fc2 sc0 ls0 ws0\">des Letztbezugs unt<span class=\"_ _0\"></span>er Anrechnung der von der Bank finanzierten Pensionska<span class=\"_ _0\"></span>ssenleistung. 2022 wurde keine Berufsun<span class=\"_ _0\"></span>f\u00e4hig-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y6e1 ff4 fs2 fc2 sc0 ls0 ws0\">keitspension zu<span class=\"_ _0\"></span>erkannt. <span class=\"_ _7\"> </span> </div></div>Administrativpension: Akt<span class=\"_ _0\"></span>ive DienstnehmerInnen, die Anwartschaft auf eine Besitzstan<span class=\"_ _0\"></span>dspension haben, erhalten bei K\u00fcndi-<span class=\"_ _128\"> </span>gung durch die Bank eine au<span class=\"_ _0\"></span>f Basis des Letztbezugs zu berechnende Administ<span class=\"_ _0\"></span>rativpension, die so<span class=\"_ _0\"></span> lange zu b<span class=\"_ _0\"></span>ezahlen ist, bis<span class=\"_ _128\"> </span>Anspruch auf eine ASVG<span class=\"_ _0\"></span>-Pension besteht. Ab diesem Zeitpun<span class=\"_ _0\"></span>kt gelangt dann eine \u00dcbergangspension zu<span class=\"_ _0\"></span>r Auszahlung <span class=\"_ _0\"></span> (Einrechnung einer fiktiven ASVG<span class=\"_ _0\"></span>-Pension). 2022 gab es keinen so<span class=\"_ _0\"></span>lchen Fall.<span class=\"_ _128\"> </span>Die rechtliche Grundlage der Jubil\u00e4u<span class=\"_ _0\"></span>msgeldr\u00fcckst<span class=\"_ _0\"></span>ellung stellt die Betriebsvereinbarung d<span class=\"_ _0\"></span>ar. Der Anspruch ist wie folgt ge-<span class=\"_ _128\"> </span>staffelt: bei 25 Dienstjah<span class=\"_ _0\"></span>ren drei Monatsgeh\u00e4lter und bei 40 Dienstjahren vier Monat<span class=\"_ _0\"></span>sgeh\u00e4lter. Mit Stand per 31.12.2022 ist<span class=\"_ _0\"></span> die Jubil\u00e4umsgeldr\u00fcckstellun<span class=\"_ _0\"></span>g f\u00fcr 1.443 Personen gebi<span class=\"_ _0\"></span>ldet. 431 Personen sind ohne R\u00fcckstellun<span class=\"_ _0\"></span>g (bei 41 Personen wurde<span class=\"_ _128\"> </span>das Jubil\u00e4umsgeld bereits <span class=\"_ _0\"></span>ausbezahlt, bei 306 Personen liegt der Pensionsst<span class=\"_ _0\"></span>ichtag vor Erreichen des Jubil\u00e4ums, 84 Personen<span class=\"_ _128\"> </span>sind im 2. HJ 2022 eingetreten <span class=\"ff9\">\u2013</span> f\u00fcr<span class=\"_ _0\"></span> diesen Personenkreis wird keine<span class=\"_ _0\"></span> R\u00fcckstellung gebildet). <span class=\"_ _0\"></span> <table class=\"s w319 h19f\" id=\"_1901c204-8901-449d-bc57-da9bb65458e9\"><tr><td class=\"c x174 y12d2 wb2 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der R\u00fcckstellung f\u00fcr Abfertigungen, Pensione<span class=\"_ _0\"></span>n u. \u00e4hnliche Verpflichtungen<span class=\"_ _1\"></span> </div></td><td class=\"c x21f y12d2 wb3 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d2 wb4 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d3 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Barwert leistungsorientierter Verpflichtungen zum 1.1.<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12d3 wb3 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">194.203<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d3 wb4 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">217.553<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d4 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksam in der Gewinn-<span class=\"_ _0\"></span>/Verlustrechnung erfasst<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12d5 wb2 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">+ Dienstzeitaufwand </div></td><td class=\"c x21f y12d5 wb3 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.803 </div></td><td class=\"c x220 y12d5 wb4 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.392 </div></td></tr><tr><td class=\"c x174 y12d6 wb2 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">+ Zinsaufwand </div></td><td class=\"c x21f y12d6 wb3 hd\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.383 </div></td><td class=\"c x220 y12d6 wb4 hd\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.619 </div></td></tr><tr><td class=\"c x174 y12d7 wb2 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12d7 wb3 he\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">200.389<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d7 wb4 he\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">223.564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d8 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Effekte von Neubewertungen <span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12d9 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutral im Sonstigen Ergebnis erfasst<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12da wb2 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Versicherungsmath<span class=\"_ _0\"></span>ematischer Gewinn/Verlust<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12da wb3 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-35.707 </div></td><td class=\"c x220 y12da wb4 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.538 </div></td></tr><tr><td class=\"c x174 y12db wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Finanzielle Annahmen </div></td><td class=\"c x21f y12db wb3 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-38.857 </div></td><td class=\"c x220 y12db wb4 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.774 </div></td></tr><tr><td class=\"c x174 y12dc wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Demografische Annahmen </div></td><td class=\"c x21f y12dc wb3 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12dc wb4 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12dd wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Erfahrungsbedingte Annah<span class=\"_ _0\"></span>men </div></td><td class=\"c x21f y12dd wb3 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.150 </div></td><td class=\"c x220 y12dd wb4 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-19.312 </div></td></tr><tr><td class=\"c x174 y12de wb2 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Gewinne/Verlust<span class=\"_ _0\"></span>e des Planverm\u00f6gens </div></td><td class=\"c x21f y12de wb3 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12de wb4 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12df wb2 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Gewinne/Verlust<span class=\"_ _0\"></span>e aus Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x21f y12df wb3 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12df wb4 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e0 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksam in der Gewinn-<span class=\"_ _0\"></span> und Verlustrechnung erfass<span class=\"_ _0\"></span>t </div></td><td class=\"c x21f y12e0 wb3 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.422 </div></td><td class=\"c x220 y12e0 wb4 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.710 </div></td></tr><tr><td class=\"c x174 y12e1 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12e1 wb3 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">39.129</span> </div></td><td class=\"c x220 y12e1 wb4 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">18.248</span> </div></td></tr><tr><td class=\"c x174 y12e2 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">\u00dcbrige </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12e3 wb2 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Geleistete Zahlungen aus Plan<span class=\"_ _0\"></span>abgeltung </div></td><td class=\"c x21f y12e3 wb3 hd\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12e3 wb4 hd\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e4 wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Zahlungen im Berichtsjahr </div></td><td class=\"c x21f y12e4 wb3 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.642 </div></td><td class=\"c x220 y12e4 wb4 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-11.113 </div></td></tr><tr><td class=\"c x174 y12e5 wb2 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- \u00fcbrige Ver\u00e4nd<span class=\"_ _0\"></span>erungen </div></td><td class=\"c x21f y12e5 wb3 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12e5 wb4 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e6 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12e6 wb3 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">12.642</span> </div></td><td class=\"c x220 y12e6 wb4 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">11.113</span> </div></td></tr><tr><td class=\"c x174 y12e7 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzierte R\u00fcckstellungen zum 31.12.<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12e7 wb3 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">148.618<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12e7 wb4 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">194.203<span class=\"ls0\"> </span></div></td></tr></table>Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne/Verluste aus Pensions<span class=\"_ _0\"></span>- und Abfertigungsverp<span class=\"_ _0\"></span>flichtungen wurden im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr<span class=\"_ _128\"> </span>erfolgsneutral im son<span class=\"_ _0\"></span>stigen Ergebnis (OCI) erfasst. Die Betr\u00e4ge werden sp<span class=\"_ _0\"></span>\u00e4ter nicht reklassifiziert, eine \u00dcbertragung inner-<span class=\"_ _128\"> </span>halb des Eigenkap<span class=\"_ _0\"></span>itals ist allerdings zul\u00e4ssig. Versicherungsmathematische Gewin<span class=\"_ _0\"></span>ne/Verluste aus Jubil\u00e4u<span class=\"_ _0\"></span>msgeldr\u00fcckstellun-<span class=\"_ _128\"> </span>gen werden in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnun<span class=\"_ _0\"></span>g im Personalaufwand erfasst.<span class=\"_ _0\"></span> <table class=\"s w31a h1a0\" id=\"_c5194486-e6e9-43fe-8542-62a012ac28d3\"><tr><td class=\"c x178 y12e8 w31b h1a1\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wesentliche versicherungsmathematische Annahmen zur Er<span class=\"_ _0\"></span>mittlung<span class=\"_ _128\"> </span></div></td><td class=\"c x221 y12e9 wb6 h7f\"><div class=\"t m0 x6 h6 y6ff ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x222 y12e9 wb7 h7f\"><div class=\"t m0 x6 h6 y6ff ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y12ea w31c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">der Barwerte der leistungsorientierten Verpflichtungen<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y12eb wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz </div></td><td class=\"c x221 y12eb wb6 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3,75 % </div></td><td class=\"c x222 y12eb wb7 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1,25 % </div></td></tr><tr><td class=\"c x174 y12ec wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung </div></td><td class=\"c x221 y12ec wb6 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2,84 % </div></td><td class=\"c x222 y12ec wb7 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2,63 % </div></td></tr><tr><td class=\"c x174 y12ed wb5 he\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung </div></td><td class=\"c x221 y12ed wb6 he\"><div class=\"t m0 x40 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1,89 % </div></td><td class=\"c x222 y12ed wb7 he\"><div class=\"t m0 x40 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1,67 % </div></td></tr><tr><td class=\"c x174 y12ee wb5 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Fluktuation </div></td><td class=\"c x221 y12ee wb6 hf\"><div class=\"t m0 xa8 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">keine </div></td><td class=\"c x222 y12ee wb7 hf\"><div class=\"t m0 xa8 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">keine </div></td></tr><tr><td class=\"c x174 y12ef wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsantrittsalter Frauen </div></td><td class=\"c x221 y12ef wb6 hf\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ff9 ls0\">\u2013<span class=\"ff4\">65 Jahre</span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div></td><td class=\"c x222 y12ef wb7 hf\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ff9 ls0\">\u2013<span class=\"ff4\">65 Jahre</span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div></td></tr><tr><td class=\"c x174 y12f0 wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsantrittsalter M\u00e4nner </div></td><td class=\"c x221 y12f0 wb6 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">65 Jahre </div></td><td class=\"c x222 y12f0 wb7 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">65 Jahre </div></td></tr><tr><td class=\"c x174 y12f1 wb5 he\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Sterbetafeln </div></td><td class=\"c x221 y12f1 wb6 he\"><div class=\"t m0 x41 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">AV\u00d6 2018 </div></td><td class=\"c x222 y12f1 wb7 he\"><div class=\"t m0 x41 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">AV\u00d6 2018 </div></td></tr></table>Unter der Annahme unver\u00e4ndert<span class=\"_ _0\"></span>er Berechnungsparameter wird mit einer Aufl\u00f6<span class=\"_ _0\"></span>sung im Gesch\u00e4ftsjahr 2023 der R\u00fcck<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>stellungen f\u00fcr Abfert<span class=\"_ _0\"></span>igungen, Pensionen und \u00e4hnliche Verpflichtungen in H\u00f6h<span class=\"_ _0\"></span>e von rund 2,1 Mio. Euro gerechnet. <span class=\"_ _0\"></span> Die Barwerte der leistungsorientierten V<span class=\"_ _0\"></span>erpflichtungen betrugen f\u00fcr das Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r 2015 190.317 Tsd. Euro, f\u00fcr das Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsjahr 2016 185.058 T<span class=\"_ _0\"></span>sd. Euro, f\u00fcr das Gesch\u00e4ftsjahr 2017 184.732 T<span class=\"_ _0\"></span>sd. Euro, f\u00fcr d<span class=\"_ _0\"></span>as Gesch\u00e4ftsjahr 2018 196.750 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Euro, f\u00fcr das Gesch\u00e4ftsjahr 2019 214.503 Tsd. <span class=\"_ _0\"></span>Euro und f\u00fcr das Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 2020 217.553 Tsd. Euro<span class=\"_ _0\"></span> Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span>Die Sensitivit\u00e4tsanalys<span class=\"_ _0\"></span>e zeigt die Auswirkungen au<span class=\"_ _0\"></span>f die leistungsorientierten Verpflichtungen, die bei vern\u00fc<span class=\"_ _0\"></span>nftiger Betrachtungsweise dur<span class=\"_ _0\"></span>ch \u00c4nderungen ma\u00dfgeblicher versicherungsmathematischer Ann<span class=\"_ _0\"></span>ahmen zum Ende der <span class=\"_ _0\"></span> Berichtsperiode m\u00f6glich gewesen w\u00e4r<span class=\"_ _0\"></span>en.<table class=\"s w31d h1a2\" id=\"_ccc49b86-8a98-48f9-91eb-1a12d570d945\"><tr><td class=\"c x174 y12f2 wb8 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x223 y12f2 w70 hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y12f2 wb9 hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y12f2 wba hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y12f3 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz + 0,5 % </div></td><td class=\"c x223 y12f3 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.645 </div></td><td class=\"c x224 y12f3 wb9 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95.328 </div></td><td class=\"c x225 y12f3 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f4 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz <span class=\"ff9\">\u2013</span> 0,5 % </div></td><td class=\"c x223 y12f4 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.861 </div></td><td class=\"c x224 y12f4 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.780 </div></td><td class=\"c x225 y12f4 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f5 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung + 0,5 %<span class=\"_ _0\"></span> </div></td><td class=\"c x223 y12f5 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.868 </div></td><td class=\"c x224 y12f5 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.717 </div></td><td class=\"c x225 y12f5 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f6 wb8 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung <span class=\"_ _0\"></span>- 0,5 % </div></td><td class=\"c x223 y12f6 w70 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.624 </div></td><td class=\"c x224 y12f6 wb9 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99.922 </div></td><td class=\"c x225 y12f6 wba hd\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f7 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung + 0,5 % </div></td><td class=\"c x223 y12f7 w70 hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x224 y12f7 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.209 </div></td><td class=\"c x225 y12f7 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f8 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung - 0,5 <span class=\"_ _0\"></span>% </div></td><td class=\"c x223 y12f8 w70 hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x224 y12f8 wb9 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95.773 </div></td><td class=\"c x225 y12f8 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Obwohl die Sensitivit<span class=\"_ _0\"></span>\u00e4tsanalyse keine abschlie\u00dfende Darstellung der k\u00fcnftig zu erw<span class=\"_ _0\"></span>artenden Zahlungsstr\u00f6me darstellt, <span class=\"_ _0\"></span> erm\u00f6glicht sie eine Einsch\u00e4tzung der Au<span class=\"_ _0\"></span>swirkungen bei \u00c4nderungen der ma\u00dfgeblichen versicherun<span class=\"_ _0\"></span>gsmathematischen <span class=\"_ _0\"></span> Annahmen.<span class=\"_ _128\"> </span>F\u00e4lligkeitsprofil<span class=\"_ _128\"> </span>In der nachfolgenden T<span class=\"_ _0\"></span>abelle sind die voraussichtlichen Leistungszah<span class=\"_ _0\"></span>lungen in jeder der nachfolgenden Period<span class=\"_ _0\"></span>en darge<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ellt:<table class=\"s w31d h1a3\" id=\"_2d55c3f1-3310-4e38-b36a-8610f8d06709\"><tr><td class=\"c x174 y12f9 wbb hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x223 y12f9 wbc hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y12f9 wbd hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y12f9 wbe hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y12fa wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2023<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fa wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.719 </div></td><td class=\"c x224 y12fa wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.073 </div></td><td class=\"c x225 y12fa wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fb wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2024<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fb wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.051 </div></td><td class=\"c x224 y12fb wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.286 </div></td><td class=\"c x225 y12fb wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fc wbb hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">2025<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fc wbc hd\"><div class=\"t m0 x12 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.971 </div></td><td class=\"c x224 y12fc wbd hd\"><div class=\"t m0 x12 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">7.055 </div></td><td class=\"c x225 y12fc wbe hd\"><div class=\"t m0 xb8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fd wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2026<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fd wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.692 </div></td><td class=\"c x224 y12fd wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.826 </div></td><td class=\"c x225 y12fd wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fe wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2027<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fe wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.313 </div></td><td class=\"c x224 y12fe wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.608 </div></td><td class=\"c x225 y12fe wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x178 y12ff w31e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Summe erwarteter Leistun<span class=\"_ _0\"></span>gszahlungen der<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w31f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">folgenden f\u00fcnf Jahr<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span></div></td><td class=\"c x223 y1300 wbc h28\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.746 </div></td><td class=\"c x224 y1300 wbd h28\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.848 </div></td><td class=\"c x225 y1300 wbe h28\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Laufzeit<span class=\"_ _128\"> </span>Die folgende Tabelle zeigt die gewichtete d<span class=\"_ _0\"></span>urchschnittliche Laufzeit der leistu<span class=\"_ _0\"></span>ngsorientierten Verpflichtung p<span class=\"_ _0\"></span>er 31.12.2022:<span class=\"_ _0\"></span> <table class=\"s w31d h1a4\" id=\"_68664605-2ca6-4f2a-90c5-6bea2b92be3b\"><tr><td class=\"c x174 y1301 wbb hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in Jahren </div></td><td class=\"c x223 y1301 wbc hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y1301 wbd hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y1301 wbe hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y1302 wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufzeit </div></td><td class=\"c x223 y1302 wbc hf\"><div class=\"t m0 x69 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9,01 </div></td><td class=\"c x224 y1302 wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10,61 </div></td><td class=\"c x225 y1302 wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table><table class=\"s w2ec h1a5\" id=\"_3e86f0dd-3656-40fd-9bad-c8e864bb6d25\"><tr><td></td><td class=\"c x226 y1303 w320 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcck-<span class=\"_ _128\"> </span></div></td><td class=\"c x227 y1303 w321 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckst. f\u00fcr das<span class=\"_ _128\"> </span></div></td><td class=\"c x228 y1303 w322 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcck-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1304 w17 h43\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der sonstigen R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x229 y1305 w323 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">stellung<span class=\"_ _128\"> </span></div></td><td class=\"c x22a y1305 w324 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft<span class=\"_ _128\"> </span></div></td><td class=\"c x22b y1305 w325 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">stellungen<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1306 w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand zum 1.1. </div></td><td class=\"c x22c y1306 wbf hf\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908 </div></td><td class=\"c x22d y1306 w10 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.250 </div></td><td class=\"c x22e y1306 w6 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.349 </div></td></tr><tr><td class=\"c x174 y1307 w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung </div></td><td class=\"c x22c y1307 wbf hf\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22d y1307 w10 hf\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.740 </div></td><td class=\"c x22e y1307 w6 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.249 </div></td></tr><tr><td class=\"c x178 y1308 w326 h1a6\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verbrauch / W\u00e4hrun<span class=\"_ _0\"></span>gsdifferenz / Effekt anteilsm\u00e4\u00dfige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1309 w327 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Konsolidierung / Umgliederun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span></div></td><td class=\"c x22c y130a wbf h81\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22d y130a w10 h81\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.214 </div></td><td class=\"c x22e y130a w6 h81\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">84</span> </div></td></tr><tr><td class=\"c x174 y130b w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sung </div></td><td class=\"c x22c y130b wbf hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.813 </div></td><td class=\"c x22d y130b w10 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-28.707 </div></td><td class=\"c x22e y130b w6 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.008 </div></td></tr><tr><td class=\"c x174 y130c w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand zum 31.12. </div></td><td class=\"c x22c y130c wbf hf\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095 </div></td><td class=\"c x22d y130c w10 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.497 </div></td><td class=\"c x22e y130c w6 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.506 </div></td></tr></table>Es handelt sich dabei \u00fcberw<span class=\"_ _0\"></span>iegend um kurzfristige R\u00fcckstellungen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "<table class=\"s w2d3 h177\" id=\"_fb9fec9b-b7d8-4d64-be27-20f41ff4526f\"><tr><td class=\"c x1ef y118f w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">8) Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y118f w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1f1 y118f w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1ef y1190 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Personalaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1190 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">193.378<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1190 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">192.518<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1191 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere Verwaltungsaufwendungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1f0 y1191 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">97.552<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1191 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.573<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1192 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen und Wertb<span class=\"_ _0\"></span>erichtigungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1192 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">29.401<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1192 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1ef y1193 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f0 y1193 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">320.331<span class=\"_ _128\"> </span> </div></td><td class=\"c x1f1 y1193 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">313.568<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1f2 y1194 w3 h3\"><div class=\"t m0 x3 h17 y5c8 ff4 fs4 fc2 sc0 ls0 ws0\">Die Pensio<span class=\"_ _5\"></span>nskassenbeitr\u00e4ge b<span class=\"_ _5\"></span>eliefen sich <span class=\"_ _5\"></span>auf 3.841 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 3.888 Tsd. Euro)<span class=\"_ _5\"></span>. </div><div class=\"t m0 x3 h5 y5c9 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w32b h1ad\" id=\"_846c92eb-4c76-4a63-85ba-ae8c757c8686\"><tr><td class=\"c x1a7 y1342 wc0 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">30) Anlagenspiegel </div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x230 y1343 w32c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">hievon als Finanzin<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1344 w32d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x231 y1345 w32e h150\" colspan=\"2\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immat. Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x232 y1345 w32f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">vestitionen gehalt<span class=\"_ _0\"></span>ene<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1346 w330 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen und Sachanlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x233 y1347 w331 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x234 y1348 wc2 h86\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x235 y1347 w27c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1349 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungs<span class=\"_ _0\"></span>-/Herstellungskosten 1.1.2022 </div></td><td class=\"c x236 y1349 wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.869 </div></td><td class=\"c x234 y1349 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">701.744 </div></td><td class=\"c x237 y1349 wc3 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.315 </div></td></tr><tr><td class=\"c x1a7 y134a wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsdifferenzen </div></td><td class=\"c x236 y134a wc1 hf\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">88</span> </div></td><td class=\"c x234 y134a wc2 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">230</span> </div></td><td class=\"c x237 y134a wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134b wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umbuchungen </div></td><td class=\"c x236 y134b wc1 hf\"><div class=\"t m0 x67 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x234 y134b wc2 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x237 y134b wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134c wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x236 y134c wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.504 </div></td><td class=\"c x234 y134c wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.191 </div></td><td class=\"c x237 y134c wc3 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y134d wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge </div></td><td class=\"c x236 y134d wc1 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">876<span class=\"ls0\"> </span></div></td><td class=\"c x234 y134d wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.514 </div></td><td class=\"c x237 y134d wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.990 </div></td></tr><tr><td class=\"c x1a7 y134e wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Abschreibungen </div></td><td class=\"c x236 y134e wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.642 </div></td><td class=\"c x234 y134e wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">333.802 </div></td><td class=\"c x237 y134e wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.691 </div></td></tr><tr><td class=\"c x1a7 y134f wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2022 </div></td><td class=\"c x236 y134f wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x234 y134f wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x237 y134f wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td></tr><tr><td class=\"c x1a7 y1350 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2021 </div></td><td class=\"c x236 y1350 wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x234 y1350 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x237 y1350 wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x1a7 y1351 wc0 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r </div></td><td class=\"c x236 y1351 wc1 hd\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">949<span class=\"ls0\"> </span></div></td><td class=\"c x234 y1351 wc2 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.133 </div></td><td class=\"c x237 y1351 wc3 hd\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.049 </div></td></tr><tr><td class=\"c x178 y11b1 w332 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Von den Abschr<span class=\"_ _5\"></span>eibungen i<span class=\"_ _5\"></span>m Gesch\u00e4ftsjahr der<span class=\"_ _5\"></span> Sachanlagen si<span class=\"_ _5\"></span>nd 7.681Tsd. Euro<span class=\"_ _5\"></span> aus Oper<span class=\"_ _5\"></span>ate Leasing im Sonst<span class=\"_ _5\"></span>igen betr<span class=\"_ _5\"></span>ieblichen <span class=\"_ _5\"></span>Er<span class=\"_ _0\"></span>folg ausgewiese<span class=\"_ _5\"></span>n.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w333 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Der bilan<span class=\"_ _5\"></span>ziell noch nicht<span class=\"_ _5\"></span> ber\u00fccksichtigte Tei<span class=\"_ _5\"></span>l der COVID-<span class=\"ls1b\">19</span>-Invest<span class=\"_ _5\"></span>itions<span class=\"_ _5\"></span>pr\u00e4mie betr\u00e4gt<span class=\"_ _5\"></span> 738 Tsd. Euro.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-487": {
   "value": "8) Verwaltungsaufwand<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Personalaufwand<span class=\"_ _128\"> </span>193.378<span class=\"_ _128\"> </span>192.518<span class=\"_ _128\"> </span>Andere Verwaltungsaufwendungen<span class=\"_ _0\"></span> 97.552<span class=\"_ _128\"> </span>91.573<span class=\"_ _128\"> </span>Abschreibungen und Wertb<span class=\"_ _0\"></span>erichtigungen<span class=\"_ _128\"> </span>29.401<span class=\"_ _128\"> </span>29.477<span class=\"_ _128\"> </span>Verwaltungsaufwand<span class=\"_ _128\"> </span>320.331<span class=\"_ _128\"> </span>313.568<span class=\"_ _128\"> </span>ie Pensio<span class=\"_ _5\"></span>nskassenbeitr\u00e4ge b<span class=\"_ _5\"></span>eliefen sich <span class=\"_ _5\"></span>auf 3.841 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 3.888 Tsd. Euro)<span class=\"_ _5\"></span>.<table class=\"s w2d4 h178\" id=\"_e0097227-39fa-4533-ae94-d936fa354b48\"><tr><td class=\"c x174 y1195 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">9) Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1195 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1195 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1196 w76 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Ergebnis aus finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerten FV/PL </div></td><td class=\"c x1e7 y1196 w81 h12\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.732 </div></td><td class=\"c x1e8 y1196 w75 h12\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.398 </div></td></tr><tr><td class=\"c x174 y1197 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus d<span class=\"_ _0\"></span>esignierten Finanzinstrumenten </div></td><td class=\"c x1e7 y1197 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.355 </div></td><td class=\"c x1e8 y1197 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.301 </div></td></tr><tr><td class=\"c x174 y1198 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus verpflichtend<span class=\"_ _0\"></span> zum FV/PL bewerteten Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1198 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-24.377 </div></td><td class=\"c x1e8 y1198 w75 h6b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.699 </div></td></tr><tr><td class=\"c x174 y1199 w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Ergebnis aus fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten FV/OCI </div></td><td class=\"c x1e7 y1199 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.198 </div></td><td class=\"c x1e8 y1199 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.195 </div></td></tr><tr><td class=\"c x174 y119a w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Bewertung von <span class=\"_ _0\"></span>Fremdkapitalinstru<span class=\"_ _0\"></span>menten </div></td><td class=\"c x1e7 y119a w81 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">859</span> </div></td><td class=\"c x1e8 y119a w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">716</span> </div></td></tr><tr><td class=\"c x174 y119b w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Ver\u00e4u\u00df<span class=\"_ _0\"></span>erung und Ausbuchung von Fremdkapitalinstr<span class=\"_ _0\"></span>umenten </div></td><td class=\"c x1e7 y119b w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.339 </div></td><td class=\"c x1e8 y119b w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">479</span> </div></td></tr><tr><td class=\"c x174 y119c w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Ergebnis aus finanziellen Verm\u00f6genswerten<span class=\"_ _0\"></span> AC </div></td><td class=\"c x1e7 y119c w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y119c w75 h6b\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119d w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Sonstiger betrieblicher Erfo<span class=\"_ _0\"></span>lg </div></td><td class=\"c x1e7 y119d w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.672 </div></td><td class=\"c x1e8 y119d w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.961 </div></td></tr><tr><td class=\"c x174 y119e w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Ertr\u00e4ge:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y119e w81 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">32.907<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y119e w75 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">37.419<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119f w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus operationellen Risiken </div></td><td class=\"c x1e7 y119f w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.325 </div></td><td class=\"c x1e8 y119f w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.027 </div></td></tr><tr><td class=\"c x174 y11a0 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4u\u00dferungsgewinne Grund<span class=\"_ _0\"></span>st\u00fccke und Geb\u00e4ude </div></td><td class=\"c x1e7 y11a0 w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y11a0 w75 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y11a1 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Private Equity <span class=\"_ _0\"></span>Investments </div></td><td class=\"c x1e7 y11a1 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.109 </div></td><td class=\"c x1e8 y11a1 w75 h6b\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11a2 w76 h6c\"><div class=\"t m0 x59 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Operate Leasing<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a2 w81 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">10.466 </div></td><td class=\"c x1e8 y11a2 w75 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">13.788 </div></td></tr><tr><td class=\"c x174 y11a3 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Ertr\u00e4ge aus dem <span class=\"_ _0\"></span>Leasingteilkonzern </div></td><td class=\"c x1e7 y11a3 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.940 </div></td><td class=\"c x1e8 y11a3 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.445 </div></td></tr><tr><td class=\"c x174 y11a4 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bankfremde Vermittlun<span class=\"_ _0\"></span>gsprovisionen </div></td><td class=\"c x1e7 y11a4 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.752 </div></td><td class=\"c x1e8 y11a4 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.134 </div></td></tr><tr><td class=\"c x174 y11a5 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges </div></td><td class=\"c x1e7 y11a5 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.315 </div></td><td class=\"c x1e8 y11a5 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.889 </div></td></tr><tr><td class=\"c x174 y11a6 w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Aufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a6 w81 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">49.579</span> </div></td><td class=\"c x1e8 y11a6 w75 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">56.380</span> </div></td></tr><tr><td class=\"c x174 y11a7 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s operationellen Risiken </div></td><td class=\"c x1e7 y11a7 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.451 </div></td><td class=\"c x1e8 y11a7 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.680 </div></td></tr><tr><td class=\"c x174 y11a8 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stabilit\u00e4tsabgabe </div></td><td class=\"c x1e7 y11a8 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.758 </div></td><td class=\"c x1e8 y11a8 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.881 </div></td></tr><tr><td class=\"c x174 y11a9 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Abwicklungsfon<span class=\"_ _0\"></span>ds </div></td><td class=\"c x1e7 y11a9 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.333 </div></td><td class=\"c x1e8 y11a9 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.960 </div></td></tr><tr><td class=\"c x174 y11aa w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Einlagensicherungsfonds </div></td><td class=\"c x1e7 y11aa w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.317 </div></td><td class=\"c x1e8 y11aa w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.440 </div></td></tr><tr><td class=\"c x174 y11ab w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Operate Leasing </div></td><td class=\"c x1e7 y11ab w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.331 </div></td><td class=\"c x1e8 y11ab w75 h6b\"><div class=\"t m0 x4a h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">-14.046 </div><div class=\"t m0 x7 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x31 h5 y5de ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr></table>Sonstige Aufwendun<span class=\"_ _0\"></span>gen aus dem Leasingteilkonzern<span class=\"_ _128\"> </span>-6.998<span class=\"_ _128\"> </span>-5.840<span class=\"_ _128\"> </span>Sonstiges<span class=\"_ _128\"> </span>-4.391<span class=\"_ _128\"> </span>-3.533<span class=\"_ _128\"> </span>Saldo sonst<span class=\"_ _0\"></span>ige betriebliche Ertr\u00e4ge / Aufwendungen<span class=\"_ _0\"></span> -52.602<span class=\"_ _128\"> </span>-14.737<span class=\"_ _128\"> </span>Im Ge<span class=\"_ _5\"></span>sch\u00e4ftsjah<span class=\"_ _5\"></span>r <span class=\"_ _5\"></span>hat <span class=\"_ _5\"></span>die<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>AG ke<span class=\"_ _5\"></span>inen <span class=\"_ _5\"></span>fi<span class=\"_ _5\"></span>nanziellen <span class=\"_ _5\"></span>Verm\u00f6gens<span class=\"_ _5\"></span>wert, <span class=\"_ _5\"></span>welc<span class=\"_ _5\"></span>her <span class=\"_ _5\"></span>zu <span class=\"_ _5\"></span>fort<span class=\"_ _5\"></span>gef\u00fchrte<span class=\"_ _5\"></span>n <span class=\"_ _5\"></span>Anschaffungskost<span class=\"_ _5\"></span>en <span class=\"_ _5\"></span>bewer<span class=\"_ _5\"></span>tet wur<span class=\"_ _5\"></span>de, <span class=\"_ _5\"></span>ver\u00e4u\u00dfer<span class=\"_ _128\"> </span>Die <span class=\"_ _0\"></span>Ver\u00e4u\u00dferung <span class=\"_ _0\"></span>im <span class=\"_ _1\"></span>Vorjahr <span class=\"_ _0\"></span>wurden <span class=\"_ _1\"></span>get\u00e4tigt, <span class=\"_ _0\"></span>weil <span class=\"_ _0\"></span>dieser <span class=\"_ _1\"></span>Verm\u00f6genswert<span class=\"_ _5\"></span> <span class=\"_ _1\"></span>bonit\u00e4tsb<span class=\"_ _5\"></span>edingt <span class=\"_ _0\"></span>nicht <span class=\"_ _1\"></span>mehr <span class=\"_ _0\"></span>ins <span class=\"_ _0\"></span>P<span class=\"_ _0\"></span>ortfolio <span class=\"_ _0\"></span>des <span class=\"_ _1\"></span>Oberbank <span class=\"_ _0\"></span>Konzerns <span class=\"_ _0\"></span>passte<span class=\"_ _128\"> </span>Aus der Ver<span class=\"_ _5\"></span>\u00e4u\u00dferung wurde<span class=\"_ _5\"></span> im Vorjahr ein G<span class=\"_ _5\"></span>ewinn von 20,5 Tsd. Euro r<span class=\"_ _5\"></span>ealisi<span class=\"_ _5\"></span>ert. Zu den o<span class=\"_ _5\"></span>perationellen Ri<span class=\"_ _5\"></span>siken siehe No<span class=\"_ _5\"></span>te 47).<span class=\"_ _128\"> </span>10) Steuern vom Einkommen und Ertrag<span class=\"_ _0\"></span> Die Steuern vom Einkommen und Ertrag b<span class=\"_ _0\"></span>einhalten die laufenden Ertragsteuern der einzelnen Konzernuntern<span class=\"_ _0\"></span>ehmen, Anpas<span class=\"_ _128\"> </span>sungen f\u00fcr perioden<span class=\"_ _0\"></span>fremde laufende Ertragsteuern sowie die Ver\u00e4nderungen d<span class=\"_ _0\"></span>er latenten Steuerabgrenzungen.<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"ls0\"> </span>\u00dcberleitung: Zusammenhang zwischen rechnerisc<span class=\"_ _0\"></span>hen und effektiv ausgewiesenen Steuern vom E<span class=\"_ _0\"></span>inkommen und Ertrag<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> 295.260<span class=\"_ _128\"> </span>281.887<span class=\"_ _128\"> </span>Errechneter Steueraufwand 25 %<span class=\"_ _0\"></span> 73.815<span class=\"_ _128\"> </span>70.472<span class=\"_ _128\"> </span>Direkt im Eigenkapit<span class=\"_ _0\"></span>al erfasste Anpassungen<span class=\"_ _128\"> </span>-<span class=\"ls2\">734</span> -<span class=\"ls2\">737</span> Steuerersparnis aus steuerfreien Beteiligungsertr<span class=\"_ _0\"></span>\u00e4gen<span class=\"_ _128\"> </span>-2.392<span class=\"_ _128\"> </span>-2.319<span class=\"_ _128\"> </span>Steuerersparnis aus at<span class=\"_ _0\"></span>-Equity-\u00dcberschussbetr\u00e4gen<span class=\"_ _128\"> </span>-22.663<span class=\"_ _128\"> </span>-25.033<span class=\"_ _128\"> </span>Steueraufwand (+)/<span class=\"_ _0\"></span>-ertrag (-) betreffend Vorjahre<span class=\"_ _128\"> </span>129<span class=\"ls0\"> </span>2.781<span class=\"_ _128\"> </span>Steuerersparnis aus sonst<span class=\"_ _0\"></span>igen steuerbefreiten Ertr\u00e4gen<span class=\"_ _0\"></span> -<span class=\"ls2\">243</span> -<span class=\"ls2\">144</span> Steuer aus nicht abzu<span class=\"_ _0\"></span>gsf\u00e4higem Aufwand<span class=\"_ _128\"> </span>7.753<span class=\"_ _128\"> </span>2.035<span class=\"_ _128\"> </span>Steuerersparnis aus Verbrau<span class=\"_ _0\"></span>ch Verlustvortr\u00e4ge<span class=\"_ _128\"> </span>728<span class=\"ls0\"> </span>551<span class=\"ls0\"> </span>Steuereffekte aus abweichenden St<span class=\"_ _0\"></span>euers\u00e4tzen<span class=\"_ _128\"> </span>1.249<span class=\"_ _128\"> </span>-<span class=\"ls2\">367</span> Ausgewiesener Steueraufw<span class=\"_ _0\"></span>and (+)/-ertrag (-)<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Effektiver Steuersatz<span class=\"_ _128\"> </span>17,60%<span class=\"_ _128\"> </span>16,76%<span class=\"_ _128\"> </span>Ertragsteuern, die auf einzelne Bestandteile des s<span class=\"_ _0\"></span>onstigen Ergebnisses bzw. des Eigenkapitals e<span class=\"_ _0\"></span>ntfallen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>nach Steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis nach<span class=\"_ _128\"> </span>Steuern<span class=\"_ _128\"> </span>Versicherungsmath. <span class=\"_ _0\"></span>Gewinne/<span class=\"_ _128\"> </span>Verluste gem. IAS 19 37.244<span class=\"_ _128\"> </span>-9.671<span class=\"_ _128\"> </span>27.573<span class=\"_ _128\"> </span>17.147-4.287<span class=\"_ _128\"> </span>12.860<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Schuldtitel IFRS 9 mit<span class=\"_ _128\"> </span>Reklassifizierung<span class=\"_ _128\"> </span>-2.193<span class=\"_ _128\"> </span>510<span class=\"ls0\"> </span>-1.683<span class=\"_ _128\"> </span>-<span class=\"ls2\">107</span> 26<span class=\"ls0\"> </span>-<span class=\"ls2\">81</span> Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Eigenkap<span class=\"_ _0\"></span>ital-instru-<span class=\"_ _128\"> </span>mente IFRS 9 ohne Reklassifizie-<span class=\"_ _128\"> </span>rung<span class=\"_ _128\"> </span>-48.83616.377<span class=\"_ _128\"> </span>-32.459<span class=\"_ _128\"> </span>58.866-14.608<span class=\"_ _128\"> </span>44.258<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen eigenes Kreditrisiko<span class=\"_ _128\"> </span>IFRS 9 ohne Reklassifizierung<span class=\"_ _0\"></span> 26.563<span class=\"_ _128\"> </span>-6.294<span class=\"_ _128\"> </span>20.269-17.377<span class=\"_ _128\"> </span>4.344<span class=\"_ _128\"> </span>-13.033<span class=\"_ _128\"> </span>Ver\u00e4nderung W\u00e4hrungsau<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>gleichsposten<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>3.736<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>3.736<span class=\"_ _128\"> </span>Ergebnisanteil aus der Anw<span class=\"_ _0\"></span>en-<span class=\"_ _128\"> </span>dung der Equity Met<span class=\"_ _0\"></span>hode 12.790<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>12.790<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>Summe<span class=\"_ _128\"> </span>26.164<span class=\"ls0\"> </span>921<span class=\"ls0\"> </span>27.085<span class=\"ls0\"> </span>75.740<span class=\"ls0\"> </span>-<span class=\"ls2\">14.525</span> 61.216<span class=\"ls0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-491": {
   "value": "8) Verwaltungsaufwand<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Personalaufwand<span class=\"_ _128\"> </span>193.378<span class=\"_ _128\"> </span>192.518<span class=\"_ _128\"> </span>Andere Verwaltungsaufwendungen<span class=\"_ _0\"></span> 97.552<span class=\"_ _128\"> </span>91.573<span class=\"_ _128\"> </span>Abschreibungen und Wertb<span class=\"_ _0\"></span>erichtigungen<span class=\"_ _128\"> </span>29.401<span class=\"_ _128\"> </span>29.477<span class=\"_ _128\"> </span>Verwaltungsaufwand<span class=\"_ _128\"> </span>320.331<span class=\"_ _128\"> </span>313.568<span class=\"_ _128\"> </span>ie Pensio<span class=\"_ _5\"></span>nskassenbeitr\u00e4ge b<span class=\"_ _5\"></span>eliefen sich <span class=\"_ _5\"></span>auf 3.841 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 3.888 Tsd. Euro)<span class=\"_ _5\"></span>.<table class=\"s w2d4 h178\" id=\"_e0097227-39fa-4533-ae94-d936fa354b48\"><tr><td class=\"c x174 y1195 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">9) Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1195 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1195 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1196 w76 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Ergebnis aus finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerten FV/PL </div></td><td class=\"c x1e7 y1196 w81 h12\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.732 </div></td><td class=\"c x1e8 y1196 w75 h12\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.398 </div></td></tr><tr><td class=\"c x174 y1197 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus d<span class=\"_ _0\"></span>esignierten Finanzinstrumenten </div></td><td class=\"c x1e7 y1197 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.355 </div></td><td class=\"c x1e8 y1197 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.301 </div></td></tr><tr><td class=\"c x174 y1198 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus verpflichtend<span class=\"_ _0\"></span> zum FV/PL bewerteten Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1198 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-24.377 </div></td><td class=\"c x1e8 y1198 w75 h6b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.699 </div></td></tr><tr><td class=\"c x174 y1199 w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Ergebnis aus fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten FV/OCI </div></td><td class=\"c x1e7 y1199 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.198 </div></td><td class=\"c x1e8 y1199 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.195 </div></td></tr><tr><td class=\"c x174 y119a w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Bewertung von <span class=\"_ _0\"></span>Fremdkapitalinstru<span class=\"_ _0\"></span>menten </div></td><td class=\"c x1e7 y119a w81 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">859</span> </div></td><td class=\"c x1e8 y119a w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">716</span> </div></td></tr><tr><td class=\"c x174 y119b w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Ver\u00e4u\u00df<span class=\"_ _0\"></span>erung und Ausbuchung von Fremdkapitalinstr<span class=\"_ _0\"></span>umenten </div></td><td class=\"c x1e7 y119b w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.339 </div></td><td class=\"c x1e8 y119b w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">479</span> </div></td></tr><tr><td class=\"c x174 y119c w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Ergebnis aus finanziellen Verm\u00f6genswerten<span class=\"_ _0\"></span> AC </div></td><td class=\"c x1e7 y119c w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y119c w75 h6b\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119d w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Sonstiger betrieblicher Erfo<span class=\"_ _0\"></span>lg </div></td><td class=\"c x1e7 y119d w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.672 </div></td><td class=\"c x1e8 y119d w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.961 </div></td></tr><tr><td class=\"c x174 y119e w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Ertr\u00e4ge:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y119e w81 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">32.907<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y119e w75 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">37.419<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119f w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus operationellen Risiken </div></td><td class=\"c x1e7 y119f w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.325 </div></td><td class=\"c x1e8 y119f w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.027 </div></td></tr><tr><td class=\"c x174 y11a0 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4u\u00dferungsgewinne Grund<span class=\"_ _0\"></span>st\u00fccke und Geb\u00e4ude </div></td><td class=\"c x1e7 y11a0 w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y11a0 w75 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y11a1 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Private Equity <span class=\"_ _0\"></span>Investments </div></td><td class=\"c x1e7 y11a1 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.109 </div></td><td class=\"c x1e8 y11a1 w75 h6b\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11a2 w76 h6c\"><div class=\"t m0 x59 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Operate Leasing<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a2 w81 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">10.466 </div></td><td class=\"c x1e8 y11a2 w75 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">13.788 </div></td></tr><tr><td class=\"c x174 y11a3 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Ertr\u00e4ge aus dem <span class=\"_ _0\"></span>Leasingteilkonzern </div></td><td class=\"c x1e7 y11a3 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.940 </div></td><td class=\"c x1e8 y11a3 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.445 </div></td></tr><tr><td class=\"c x174 y11a4 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bankfremde Vermittlun<span class=\"_ _0\"></span>gsprovisionen </div></td><td class=\"c x1e7 y11a4 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.752 </div></td><td class=\"c x1e8 y11a4 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.134 </div></td></tr><tr><td class=\"c x174 y11a5 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges </div></td><td class=\"c x1e7 y11a5 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.315 </div></td><td class=\"c x1e8 y11a5 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.889 </div></td></tr><tr><td class=\"c x174 y11a6 w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Aufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a6 w81 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">49.579</span> </div></td><td class=\"c x1e8 y11a6 w75 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">56.380</span> </div></td></tr><tr><td class=\"c x174 y11a7 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s operationellen Risiken </div></td><td class=\"c x1e7 y11a7 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.451 </div></td><td class=\"c x1e8 y11a7 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.680 </div></td></tr><tr><td class=\"c x174 y11a8 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stabilit\u00e4tsabgabe </div></td><td class=\"c x1e7 y11a8 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.758 </div></td><td class=\"c x1e8 y11a8 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.881 </div></td></tr><tr><td class=\"c x174 y11a9 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Abwicklungsfon<span class=\"_ _0\"></span>ds </div></td><td class=\"c x1e7 y11a9 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.333 </div></td><td class=\"c x1e8 y11a9 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.960 </div></td></tr><tr><td class=\"c x174 y11aa w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Einlagensicherungsfonds </div></td><td class=\"c x1e7 y11aa w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.317 </div></td><td class=\"c x1e8 y11aa w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.440 </div></td></tr><tr><td class=\"c x174 y11ab w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Operate Leasing </div></td><td class=\"c x1e7 y11ab w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.331 </div></td><td class=\"c x1e8 y11ab w75 h6b\"><div class=\"t m0 x4a h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">-14.046 </div><div class=\"t m0 x7 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x31 h5 y5de ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr></table>Sonstige Aufwendun<span class=\"_ _0\"></span>gen aus dem Leasingteilkonzern<span class=\"_ _128\"> </span>-6.998<span class=\"_ _128\"> </span>-5.840<span class=\"_ _128\"> </span>Sonstiges<span class=\"_ _128\"> </span>-4.391<span class=\"_ _128\"> </span>-3.533<span class=\"_ _128\"> </span>Saldo sonst<span class=\"_ _0\"></span>ige betriebliche Ertr\u00e4ge / Aufwendungen<span class=\"_ _0\"></span> -52.602<span class=\"_ _128\"> </span>-14.737<span class=\"_ _128\"> </span>Im Ge<span class=\"_ _5\"></span>sch\u00e4ftsjah<span class=\"_ _5\"></span>r <span class=\"_ _5\"></span>hat <span class=\"_ _5\"></span>die<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>AG ke<span class=\"_ _5\"></span>inen <span class=\"_ _5\"></span>fi<span class=\"_ _5\"></span>nanziellen <span class=\"_ _5\"></span>Verm\u00f6gens<span class=\"_ _5\"></span>wert, <span class=\"_ _5\"></span>welc<span class=\"_ _5\"></span>her <span class=\"_ _5\"></span>zu <span class=\"_ _5\"></span>fort<span class=\"_ _5\"></span>gef\u00fchrte<span class=\"_ _5\"></span>n <span class=\"_ _5\"></span>Anschaffungskost<span class=\"_ _5\"></span>en <span class=\"_ _5\"></span>bewer<span class=\"_ _5\"></span>tet wur<span class=\"_ _5\"></span>de, <span class=\"_ _5\"></span>ver\u00e4u\u00dfer<span class=\"_ _128\"> </span><span class=\"_ _5\"></span>t.<span class=\"_ _128\"> </span>Die <span class=\"_ _0\"></span>Ver\u00e4u\u00dferung <span class=\"_ _0\"></span>im <span class=\"_ _1\"></span>Vorjahr <span class=\"_ _0\"></span>wurden <span class=\"_ _1\"></span>get\u00e4tigt, <span class=\"_ _0\"></span>weil <span class=\"_ _0\"></span>dieser <span class=\"_ _1\"></span>Verm\u00f6genswert<span class=\"_ _5\"></span> <span class=\"_ _1\"></span>bonit\u00e4tsb<span class=\"_ _5\"></span>edingt <span class=\"_ _0\"></span>nicht <span class=\"_ _1\"></span>mehr <span class=\"_ _0\"></span>ins <span class=\"_ _0\"></span>P<span class=\"_ _0\"></span>ortfolio <span class=\"_ _0\"></span>des <span class=\"_ _1\"></span>Oberbank <span class=\"_ _0\"></span>Konzerns <span class=\"_ _0\"></span>passte<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Aus der Ver<span class=\"_ _5\"></span>\u00e4u\u00dferung wurde<span class=\"_ _5\"></span> im Vorjahr ein G<span class=\"_ _5\"></span>ewinn von 20,5 Tsd. Euro r<span class=\"_ _5\"></span>ealisi<span class=\"_ _5\"></span>ert. Zu den o<span class=\"_ _5\"></span>perationellen Ri<span class=\"_ _5\"></span>siken siehe No<span class=\"_ _5\"></span>te 47).<span class=\"_ _128\"> </span>10) Steuern vom Einkommen und Ertrag<span class=\"_ _0\"></span> Die Steuern vom Einkommen und Ertrag b<span class=\"_ _0\"></span>einhalten die laufenden Ertragsteuern der einzelnen Konzernuntern<span class=\"_ _0\"></span>ehmen, Anpas<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>sungen f\u00fcr perioden<span class=\"_ _0\"></span>fremde laufende Ertragsteuern sowie die Ver\u00e4nderungen d<span class=\"_ _0\"></span>er latenten Steuerabgrenzungen.<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"ls0\"> </span>\u00dcberleitung: Zusammenhang zwischen rechnerisc<span class=\"_ _0\"></span>hen und effektiv ausgewiesenen Steuern vom E<span class=\"_ _0\"></span>inkommen und Ertrag<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> 295.260<span class=\"_ _128\"> </span>281.887<span class=\"_ _128\"> </span>Errechneter Steueraufwand 25 %<span class=\"_ _0\"></span> 73.815<span class=\"_ _128\"> </span>70.472<span class=\"_ _128\"> </span>Direkt im Eigenkapit<span class=\"_ _0\"></span>al erfasste Anpassungen<span class=\"_ _128\"> </span>-<span class=\"ls2\">734</span> -<span class=\"ls2\">737</span> Steuerersparnis aus steuerfreien Beteiligungsertr<span class=\"_ _0\"></span>\u00e4gen<span class=\"_ _128\"> </span>-2.392<span class=\"_ _128\"> </span>-2.319<span class=\"_ _128\"> </span>Steuerersparnis aus at<span class=\"_ _0\"></span>-Equity-\u00dcberschussbetr\u00e4gen<span class=\"_ _128\"> </span>-22.663<span class=\"_ _128\"> </span>-25.033<span class=\"_ _128\"> </span>Steueraufwand (+)/<span class=\"_ _0\"></span>-ertrag (-) betreffend Vorjahre<span class=\"_ _128\"> </span>129<span class=\"ls0\"> </span>2.781<span class=\"_ _128\"> </span>Steuerersparnis aus sonst<span class=\"_ _0\"></span>igen steuerbefreiten Ertr\u00e4gen<span class=\"_ _0\"></span> -<span class=\"ls2\">243</span> -<span class=\"ls2\">144</span> Steuer aus nicht abzu<span class=\"_ _0\"></span>gsf\u00e4higem Aufwand<span class=\"_ _128\"> </span>7.753<span class=\"_ _128\"> </span>2.035<span class=\"_ _128\"> </span>Steuerersparnis aus Verbrau<span class=\"_ _0\"></span>ch Verlustvortr\u00e4ge<span class=\"_ _128\"> </span>728<span class=\"ls0\"> </span>551<span class=\"ls0\"> </span>Steuereffekte aus abweichenden St<span class=\"_ _0\"></span>euers\u00e4tzen<span class=\"_ _128\"> </span>1.249<span class=\"_ _128\"> </span>-<span class=\"ls2\">367</span> Ausgewiesener Steueraufw<span class=\"_ _0\"></span>and (+)/-ertrag (-)<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Effektiver Steuersatz<span class=\"_ _128\"> </span>17,60%<span class=\"_ _128\"> </span>16,76%<span class=\"_ _128\"> </span>Ertragsteuern, die auf einzelne Bestandteile des s<span class=\"_ _0\"></span>onstigen Ergebnisses bzw. des Eigenkapitals e<span class=\"_ _0\"></span>ntfallen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>nach Steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis nach<span class=\"_ _128\"> </span>Steuern<span class=\"_ _128\"> </span>Versicherungsmath. <span class=\"_ _0\"></span>Gewinne/<span class=\"_ _128\"> </span>Verluste gem. IAS 19 37.244<span class=\"_ _128\"> </span>-9.671<span class=\"_ _128\"> </span>27.573<span class=\"_ _128\"> </span>17.147-4.287<span class=\"_ _128\"> </span>12.860<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Schuldtitel IFRS 9 mit<span class=\"_ _128\"> </span>Reklassifizierung<span class=\"_ _128\"> </span>-2.193<span class=\"_ _128\"> </span>510<span class=\"ls0\"> </span>-1.683<span class=\"_ _128\"> </span>-<span class=\"ls2\">107</span> 26<span class=\"ls0\"> </span>-<span class=\"ls2\">81</span> Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Eigenkap<span class=\"_ _0\"></span>ital-instru-<span class=\"_ _128\"> </span>mente IFRS 9 ohne Reklassifizie-<span class=\"_ _128\"> </span>rung<span class=\"_ _128\"> </span>-48.83616.377<span class=\"_ _128\"> </span>-32.459<span class=\"_ _128\"> </span>58.866-14.608<span class=\"_ _128\"> </span>44.258<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen eigenes Kreditrisiko<span class=\"_ _128\"> </span>IFRS 9 ohne Reklassifizierung<span class=\"_ _0\"></span> 26.563<span class=\"_ _128\"> </span>-6.294<span class=\"_ _128\"> </span>20.269-17.377<span class=\"_ _128\"> </span>4.344<span class=\"_ _128\"> </span>-13.033<span class=\"_ _128\"> </span>Ver\u00e4nderung W\u00e4hrungsau<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>gleichsposten<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>3.736<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>3.736<span class=\"_ _128\"> </span>Ergebnisanteil aus der Anw<span class=\"_ _0\"></span>en-<span class=\"_ _128\"> </span>dung der Equity Met<span class=\"_ _0\"></span>hode 12.790<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>12.790<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>Summe<span class=\"_ _128\"> </span>26.164<span class=\"ls0\"> </span>921<span class=\"ls0\"> </span>27.085<span class=\"ls0\"> </span>75.740<span class=\"ls0\"> </span>-<span class=\"ls2\">14.525</span> 61.216<span class=\"ls0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-405": {
   "value": "<div class=\"gsa\"><table class=\"s w2d4 h178\" id=\"_e0097227-39fa-4533-ae94-d936fa354b48\"><tr><td class=\"c x174 y1195 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">9) Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1195 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1195 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1196 w76 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Ergebnis aus finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerten FV/PL </div></td><td class=\"c x1e7 y1196 w81 h12\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.732 </div></td><td class=\"c x1e8 y1196 w75 h12\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.398 </div></td></tr><tr><td class=\"c x174 y1197 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus d<span class=\"_ _0\"></span>esignierten Finanzinstrumenten </div></td><td class=\"c x1e7 y1197 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.355 </div></td><td class=\"c x1e8 y1197 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.301 </div></td></tr><tr><td class=\"c x174 y1198 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus verpflichtend<span class=\"_ _0\"></span> zum FV/PL bewerteten Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1198 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-24.377 </div></td><td class=\"c x1e8 y1198 w75 h6b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.699 </div></td></tr><tr><td class=\"c x174 y1199 w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Ergebnis aus fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten FV/OCI </div></td><td class=\"c x1e7 y1199 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.198 </div></td><td class=\"c x1e8 y1199 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.195 </div></td></tr><tr><td class=\"c x174 y119a w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Bewertung von <span class=\"_ _0\"></span>Fremdkapitalinstru<span class=\"_ _0\"></span>menten </div></td><td class=\"c x1e7 y119a w81 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">859</span> </div></td><td class=\"c x1e8 y119a w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">716</span> </div></td></tr><tr><td class=\"c x174 y119b w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Ver\u00e4u\u00df<span class=\"_ _0\"></span>erung und Ausbuchung von Fremdkapitalinstr<span class=\"_ _0\"></span>umenten </div></td><td class=\"c x1e7 y119b w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.339 </div></td><td class=\"c x1e8 y119b w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">479</span> </div></td></tr><tr><td class=\"c x174 y119c w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Ergebnis aus finanziellen Verm\u00f6genswerten<span class=\"_ _0\"></span> AC </div></td><td class=\"c x1e7 y119c w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y119c w75 h6b\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119d w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Sonstiger betrieblicher Erfo<span class=\"_ _0\"></span>lg </div></td><td class=\"c x1e7 y119d w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.672 </div></td><td class=\"c x1e8 y119d w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.961 </div></td></tr><tr><td class=\"c x174 y119e w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Ertr\u00e4ge:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y119e w81 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">32.907<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y119e w75 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">37.419<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119f w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus operationellen Risiken </div></td><td class=\"c x1e7 y119f w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.325 </div></td><td class=\"c x1e8 y119f w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.027 </div></td></tr><tr><td class=\"c x174 y11a0 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4u\u00dferungsgewinne Grund<span class=\"_ _0\"></span>st\u00fccke und Geb\u00e4ude </div></td><td class=\"c x1e7 y11a0 w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y11a0 w75 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y11a1 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Private Equity <span class=\"_ _0\"></span>Investments </div></td><td class=\"c x1e7 y11a1 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.109 </div></td><td class=\"c x1e8 y11a1 w75 h6b\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11a2 w76 h6c\"><div class=\"t m0 x59 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Operate Leasing<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a2 w81 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">10.466 </div></td><td class=\"c x1e8 y11a2 w75 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">13.788 </div></td></tr><tr><td class=\"c x174 y11a3 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Ertr\u00e4ge aus dem <span class=\"_ _0\"></span>Leasingteilkonzern </div></td><td class=\"c x1e7 y11a3 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.940 </div></td><td class=\"c x1e8 y11a3 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.445 </div></td></tr><tr><td class=\"c x174 y11a4 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bankfremde Vermittlun<span class=\"_ _0\"></span>gsprovisionen </div></td><td class=\"c x1e7 y11a4 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.752 </div></td><td class=\"c x1e8 y11a4 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.134 </div></td></tr><tr><td class=\"c x174 y11a5 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges </div></td><td class=\"c x1e7 y11a5 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.315 </div></td><td class=\"c x1e8 y11a5 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.889 </div></td></tr><tr><td class=\"c x174 y11a6 w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Aufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a6 w81 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">49.579</span> </div></td><td class=\"c x1e8 y11a6 w75 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">56.380</span> </div></td></tr><tr><td class=\"c x174 y11a7 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s operationellen Risiken </div></td><td class=\"c x1e7 y11a7 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.451 </div></td><td class=\"c x1e8 y11a7 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.680 </div></td></tr><tr><td class=\"c x174 y11a8 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stabilit\u00e4tsabgabe </div></td><td class=\"c x1e7 y11a8 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.758 </div></td><td class=\"c x1e8 y11a8 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.881 </div></td></tr><tr><td class=\"c x174 y11a9 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Abwicklungsfon<span class=\"_ _0\"></span>ds </div></td><td class=\"c x1e7 y11a9 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.333 </div></td><td class=\"c x1e8 y11a9 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.960 </div></td></tr><tr><td class=\"c x174 y11aa w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Einlagensicherungsfonds </div></td><td class=\"c x1e7 y11aa w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.317 </div></td><td class=\"c x1e8 y11aa w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.440 </div></td></tr><tr><td class=\"c x174 y11ab w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Operate Leasing </div></td><td class=\"c x1e7 y11ab w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.331 </div></td><td class=\"c x1e8 y11ab w75 h6b\"><div class=\"t m0 x4a h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">-14.046 </div><div class=\"t m0 x7 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x31 h5 y5de ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr></table></div>Sonstige Aufwendun<span class=\"_ _0\"></span>gen aus dem Leasingteilkonzern<span class=\"_ _128\"> </span>-6.998<span class=\"_ _128\"> </span>-5.840<span class=\"_ _128\"> </span>Sonstiges<span class=\"_ _128\"> </span>-4.391<span class=\"_ _128\"> </span>-3.533<span class=\"_ _128\"> </span>Saldo sonst<span class=\"_ _0\"></span>ige betriebliche Ertr\u00e4ge / Aufwendungen<span class=\"_ _0\"></span> -52.602<span class=\"_ _128\"> </span>-14.737<span class=\"_ _128\"> </span>Im Ge<span class=\"_ _5\"></span>sch\u00e4ftsjah<span class=\"_ _5\"></span>r <span class=\"_ _5\"></span>hat <span class=\"_ _5\"></span>die<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>AG ke<span class=\"_ _5\"></span>inen <span class=\"_ _5\"></span>fi<span class=\"_ _5\"></span>nanziellen <span class=\"_ _5\"></span>Verm\u00f6gens<span class=\"_ _5\"></span>wert, <span class=\"_ _5\"></span>welc<span class=\"_ _5\"></span>her <span class=\"_ _5\"></span>zu <span class=\"_ _5\"></span>fort<span class=\"_ _5\"></span>gef\u00fchrte<span class=\"_ _5\"></span>n <span class=\"_ _5\"></span>Anschaffungskost<span class=\"_ _5\"></span>en <span class=\"_ _5\"></span>bewer<span class=\"_ _5\"></span>tet wur<span class=\"_ _5\"></span>de, <span class=\"_ _5\"></span>ver\u00e4u\u00dfer<span class=\"_ _128\"> </span><span class=\"_ _5\"></span>t.<span class=\"_ _128\"> </span>Die <span class=\"_ _0\"></span>Ver\u00e4u\u00dferung <span class=\"_ _0\"></span>im <span class=\"_ _1\"></span>Vorjahr <span class=\"_ _0\"></span>wurden <span class=\"_ _1\"></span>get\u00e4tigt, <span class=\"_ _0\"></span>weil <span class=\"_ _0\"></span>dieser <span class=\"_ _1\"></span>Verm\u00f6genswert<span class=\"_ _5\"></span> <span class=\"_ _1\"></span>bonit\u00e4tsb<span class=\"_ _5\"></span>edingt <span class=\"_ _0\"></span>nicht <span class=\"_ _1\"></span>mehr <span class=\"_ _0\"></span>ins <span class=\"_ _0\"></span>P<span class=\"_ _0\"></span>ortfolio <span class=\"_ _0\"></span>des <span class=\"_ _1\"></span>Oberbank <span class=\"_ _0\"></span>Konzerns <span class=\"_ _0\"></span>passte<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Aus der Ver<span class=\"_ _5\"></span>\u00e4u\u00dferung wurde<span class=\"_ _5\"></span> im Vorjahr ein G<span class=\"_ _5\"></span>ewinn von 20,5 Tsd. Euro r<span class=\"_ _5\"></span>ealisi<span class=\"_ _5\"></span>ert. Zu den o<span class=\"_ _5\"></span>perationellen Ri<span class=\"_ _5\"></span>siken siehe No<span class=\"_ _5\"></span>te 47).<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-429": {
   "value": "<table class=\"s w2d4 h178\" id=\"_e0097227-39fa-4533-ae94-d936fa354b48\"><tr><td class=\"c x174 y1195 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">9) Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1195 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1195 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1196 w76 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Ergebnis aus finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerten FV/PL </div></td><td class=\"c x1e7 y1196 w81 h12\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.732 </div></td><td class=\"c x1e8 y1196 w75 h12\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.398 </div></td></tr><tr><td class=\"c x174 y1197 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus d<span class=\"_ _0\"></span>esignierten Finanzinstrumenten </div></td><td class=\"c x1e7 y1197 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.355 </div></td><td class=\"c x1e8 y1197 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.301 </div></td></tr><tr><td class=\"c x174 y1198 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus verpflichtend<span class=\"_ _0\"></span> zum FV/PL bewerteten Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1198 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-24.377 </div></td><td class=\"c x1e8 y1198 w75 h6b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.699 </div></td></tr><tr><td class=\"c x174 y1199 w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Ergebnis aus fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten FV/OCI </div></td><td class=\"c x1e7 y1199 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.198 </div></td><td class=\"c x1e8 y1199 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.195 </div></td></tr><tr><td class=\"c x174 y119a w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Bewertung von <span class=\"_ _0\"></span>Fremdkapitalinstru<span class=\"_ _0\"></span>menten </div></td><td class=\"c x1e7 y119a w81 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">859</span> </div></td><td class=\"c x1e8 y119a w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">716</span> </div></td></tr><tr><td class=\"c x174 y119b w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Ver\u00e4u\u00df<span class=\"_ _0\"></span>erung und Ausbuchung von Fremdkapitalinstr<span class=\"_ _0\"></span>umenten </div></td><td class=\"c x1e7 y119b w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.339 </div></td><td class=\"c x1e8 y119b w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">479</span> </div></td></tr><tr><td class=\"c x174 y119c w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Ergebnis aus finanziellen Verm\u00f6genswerten<span class=\"_ _0\"></span> AC </div></td><td class=\"c x1e7 y119c w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y119c w75 h6b\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119d w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Sonstiger betrieblicher Erfo<span class=\"_ _0\"></span>lg </div></td><td class=\"c x1e7 y119d w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.672 </div></td><td class=\"c x1e8 y119d w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.961 </div></td></tr><tr><td class=\"c x174 y119e w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Ertr\u00e4ge:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y119e w81 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">32.907<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y119e w75 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">37.419<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119f w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus operationellen Risiken </div></td><td class=\"c x1e7 y119f w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.325 </div></td><td class=\"c x1e8 y119f w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.027 </div></td></tr><tr><td class=\"c x174 y11a0 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4u\u00dferungsgewinne Grund<span class=\"_ _0\"></span>st\u00fccke und Geb\u00e4ude </div></td><td class=\"c x1e7 y11a0 w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y11a0 w75 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y11a1 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Private Equity <span class=\"_ _0\"></span>Investments </div></td><td class=\"c x1e7 y11a1 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.109 </div></td><td class=\"c x1e8 y11a1 w75 h6b\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11a2 w76 h6c\"><div class=\"t m0 x59 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Operate Leasing<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a2 w81 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">10.466 </div></td><td class=\"c x1e8 y11a2 w75 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">13.788 </div></td></tr><tr><td class=\"c x174 y11a3 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Ertr\u00e4ge aus dem <span class=\"_ _0\"></span>Leasingteilkonzern </div></td><td class=\"c x1e7 y11a3 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.940 </div></td><td class=\"c x1e8 y11a3 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.445 </div></td></tr><tr><td class=\"c x174 y11a4 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bankfremde Vermittlun<span class=\"_ _0\"></span>gsprovisionen </div></td><td class=\"c x1e7 y11a4 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.752 </div></td><td class=\"c x1e8 y11a4 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.134 </div></td></tr><tr><td class=\"c x174 y11a5 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges </div></td><td class=\"c x1e7 y11a5 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.315 </div></td><td class=\"c x1e8 y11a5 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.889 </div></td></tr><tr><td class=\"c x174 y11a6 w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Aufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a6 w81 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">49.579</span> </div></td><td class=\"c x1e8 y11a6 w75 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">56.380</span> </div></td></tr><tr><td class=\"c x174 y11a7 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s operationellen Risiken </div></td><td class=\"c x1e7 y11a7 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.451 </div></td><td class=\"c x1e8 y11a7 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.680 </div></td></tr><tr><td class=\"c x174 y11a8 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stabilit\u00e4tsabgabe </div></td><td class=\"c x1e7 y11a8 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.758 </div></td><td class=\"c x1e8 y11a8 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.881 </div></td></tr><tr><td class=\"c x174 y11a9 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Abwicklungsfon<span class=\"_ _0\"></span>ds </div></td><td class=\"c x1e7 y11a9 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.333 </div></td><td class=\"c x1e8 y11a9 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.960 </div></td></tr><tr><td class=\"c x174 y11aa w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Einlagensicherungsfonds </div></td><td class=\"c x1e7 y11aa w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.317 </div></td><td class=\"c x1e8 y11aa w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.440 </div></td></tr><tr><td class=\"c x174 y11ab w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Operate Leasing </div></td><td class=\"c x1e7 y11ab w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.331 </div></td><td class=\"c x1e8 y11ab w75 h6b\"><div class=\"t m0 x4a h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">-14.046 </div><div class=\"t m0 x7 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x31 h5 y5de ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr></table>Sonstige Aufwendun<span class=\"_ _0\"></span>gen aus dem Leasingteilkonzern<span class=\"_ _128\"> </span>-6.998<span class=\"_ _128\"> </span>-5.840<span class=\"_ _128\"> </span>Sonstiges<span class=\"_ _128\"> </span>-4.391<span class=\"_ _128\"> </span>-3.533<span class=\"_ _128\"> </span>Saldo sonst<span class=\"_ _0\"></span>ige betriebliche Ertr\u00e4ge / Aufwendungen<span class=\"_ _0\"></span> -52.602<span class=\"_ _128\"> </span>-14.737<span class=\"_ _128\"> </span>Im Ge<span class=\"_ _5\"></span>sch\u00e4ftsjah<span class=\"_ _5\"></span>r <span class=\"_ _5\"></span>hat <span class=\"_ _5\"></span>die<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>AG ke<span class=\"_ _5\"></span>inen <span class=\"_ _5\"></span>fi<span class=\"_ _5\"></span>nanziellen <span class=\"_ _5\"></span>Verm\u00f6gens<span class=\"_ _5\"></span>wert, <span class=\"_ _5\"></span>welc<span class=\"_ _5\"></span>her <span class=\"_ _5\"></span>zu <span class=\"_ _5\"></span>fort<span class=\"_ _5\"></span>gef\u00fchrte<span class=\"_ _5\"></span>n <span class=\"_ _5\"></span>Anschaffungskost<span class=\"_ _5\"></span>en <span class=\"_ _5\"></span>bewer<span class=\"_ _5\"></span>tet wur<span class=\"_ _5\"></span>de, <span class=\"_ _5\"></span>ver\u00e4u\u00dfer<span class=\"_ _128\"> </span><span class=\"_ _5\"></span>t.<span class=\"_ _128\"> </span>Die <span class=\"_ _0\"></span>Ver\u00e4u\u00dferung <span class=\"_ _0\"></span>im <span class=\"_ _1\"></span>Vorjahr <span class=\"_ _0\"></span>wurden <span class=\"_ _1\"></span>get\u00e4tigt, <span class=\"_ _0\"></span>weil <span class=\"_ _0\"></span>dieser <span class=\"_ _1\"></span>Verm\u00f6genswert<span class=\"_ _5\"></span> <span class=\"_ _1\"></span>bonit\u00e4tsb<span class=\"_ _5\"></span>edingt <span class=\"_ _0\"></span>nicht <span class=\"_ _1\"></span>mehr <span class=\"_ _0\"></span>ins <span class=\"_ _0\"></span>P<span class=\"_ _0\"></span>ortfolio <span class=\"_ _0\"></span>des <span class=\"_ _1\"></span>Oberbank <span class=\"_ _0\"></span>Konzerns <span class=\"_ _0\"></span>passte<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Aus der Ver<span class=\"_ _5\"></span>\u00e4u\u00dferung wurde<span class=\"_ _5\"></span> im Vorjahr ein G<span class=\"_ _5\"></span>ewinn von 20,5 Tsd. Euro r<span class=\"_ _5\"></span>ealisi<span class=\"_ _5\"></span>ert. Zu den o<span class=\"_ _5\"></span>perationellen Ri<span class=\"_ _5\"></span>siken siehe No<span class=\"_ _5\"></span>te 47).<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "Sonstige Aufwendun<span class=\"_ _0\"></span>gen aus dem Leasingteilkonzern<span class=\"_ _128\"> </span>-6.998<span class=\"_ _128\"> </span>-5.840<span class=\"_ _128\"> </span>Sonstiges<span class=\"_ _128\"> </span>-4.391<span class=\"_ _128\"> </span>-3.533<span class=\"_ _128\"> </span>Saldo sonst<span class=\"_ _0\"></span>ige betriebliche Ertr\u00e4ge / Aufwendungen<span class=\"_ _0\"></span> -52.602<span class=\"_ _128\"> </span>-14.737<span class=\"_ _128\"> </span>Im Ge<span class=\"_ _5\"></span>sch\u00e4ftsjah<span class=\"_ _5\"></span>r <span class=\"_ _5\"></span>hat <span class=\"_ _5\"></span>die<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>AG ke<span class=\"_ _5\"></span>inen <span class=\"_ _5\"></span>fi<span class=\"_ _5\"></span>nanziellen <span class=\"_ _5\"></span>Verm\u00f6gens<span class=\"_ _5\"></span>wert, <span class=\"_ _5\"></span>welc<span class=\"_ _5\"></span>her <span class=\"_ _5\"></span>zu <span class=\"_ _5\"></span>fort<span class=\"_ _5\"></span>gef\u00fchrte<span class=\"_ _5\"></span>n <span class=\"_ _5\"></span>Anschaffungskost<span class=\"_ _5\"></span>en <span class=\"_ _5\"></span>bewer<span class=\"_ _5\"></span>tet wur<span class=\"_ _5\"></span>de, <span class=\"_ _5\"></span>ver\u00e4u\u00dfer<span class=\"_ _128\"> </span><span class=\"_ _5\"></span>t.<span class=\"_ _128\"> </span>Die <span class=\"_ _0\"></span>Ver\u00e4u\u00dferung <span class=\"_ _0\"></span>im <span class=\"_ _1\"></span>Vorjahr <span class=\"_ _0\"></span>wurden <span class=\"_ _1\"></span>get\u00e4tigt, <span class=\"_ _0\"></span>weil <span class=\"_ _0\"></span>dieser <span class=\"_ _1\"></span>Verm\u00f6genswert<span class=\"_ _5\"></span> <span class=\"_ _1\"></span>bonit\u00e4tsb<span class=\"_ _5\"></span>edingt <span class=\"_ _0\"></span>nicht <span class=\"_ _1\"></span>mehr <span class=\"_ _0\"></span>ins <span class=\"_ _0\"></span>P<span class=\"_ _0\"></span>ortfolio <span class=\"_ _0\"></span>des <span class=\"_ _1\"></span>Oberbank <span class=\"_ _0\"></span>Konzerns <span class=\"_ _0\"></span>passte<span class=\"_ _128\"> </span>.<span class=\"_ _128\"> </span>Aus der Ver<span class=\"_ _5\"></span>\u00e4u\u00dferung wurde<span class=\"_ _5\"></span> im Vorjahr ein G<span class=\"_ _5\"></span>ewinn von 20,5 Tsd. Euro r<span class=\"_ _5\"></span>ealisi<span class=\"_ _5\"></span>ert. Zu den o<span class=\"_ _5\"></span>perationellen Ri<span class=\"_ _5\"></span>siken siehe No<span class=\"_ _5\"></span>te 47).<span class=\"_ _128\"> </span><table class=\"s w2d4 h178\" id=\"_e0097227-39fa-4533-ae94-d936fa354b48\"><tr><td class=\"c x174 y1195 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">9) Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1195 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1195 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1196 w76 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Ergebnis aus finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerten FV/PL </div></td><td class=\"c x1e7 y1196 w81 h12\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.732 </div></td><td class=\"c x1e8 y1196 w75 h12\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.398 </div></td></tr><tr><td class=\"c x174 y1197 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus d<span class=\"_ _0\"></span>esignierten Finanzinstrumenten </div></td><td class=\"c x1e7 y1197 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.355 </div></td><td class=\"c x1e8 y1197 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.301 </div></td></tr><tr><td class=\"c x174 y1198 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus verpflichtend<span class=\"_ _0\"></span> zum FV/PL bewerteten Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1198 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-24.377 </div></td><td class=\"c x1e8 y1198 w75 h6b\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.699 </div></td></tr><tr><td class=\"c x174 y1199 w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Ergebnis aus fin<span class=\"_ _0\"></span>anziellen Verm\u00f6genswerten FV/OCI </div></td><td class=\"c x1e7 y1199 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.198 </div></td><td class=\"c x1e8 y1199 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.195 </div></td></tr><tr><td class=\"c x174 y119a w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Bewertung von <span class=\"_ _0\"></span>Fremdkapitalinstru<span class=\"_ _0\"></span>menten </div></td><td class=\"c x1e7 y119a w81 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">859</span> </div></td><td class=\"c x1e8 y119a w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">716</span> </div></td></tr><tr><td class=\"c x174 y119b w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon aus der Ver\u00e4u\u00df<span class=\"_ _0\"></span>erung und Ausbuchung von Fremdkapitalinstr<span class=\"_ _0\"></span>umenten </div></td><td class=\"c x1e7 y119b w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.339 </div></td><td class=\"c x1e8 y119b w75 h6b\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">479</span> </div></td></tr><tr><td class=\"c x174 y119c w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Ergebnis aus finanziellen Verm\u00f6genswerten<span class=\"_ _0\"></span> AC </div></td><td class=\"c x1e7 y119c w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y119c w75 h6b\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119d w76 h6b\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Sonstiger betrieblicher Erfo<span class=\"_ _0\"></span>lg </div></td><td class=\"c x1e7 y119d w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.672 </div></td><td class=\"c x1e8 y119d w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.961 </div></td></tr><tr><td class=\"c x174 y119e w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Ertr\u00e4ge:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y119e w81 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">32.907<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y119e w75 h6b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">37.419<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y119f w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus operationellen Risiken </div></td><td class=\"c x1e7 y119f w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.325 </div></td><td class=\"c x1e8 y119f w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.027 </div></td></tr><tr><td class=\"c x174 y11a0 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4u\u00dferungsgewinne Grund<span class=\"_ _0\"></span>st\u00fccke und Geb\u00e4ude </div></td><td class=\"c x1e7 y11a0 w81 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y11a0 w75 h6b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y11a1 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Private Equity <span class=\"_ _0\"></span>Investments </div></td><td class=\"c x1e7 y11a1 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.109 </div></td><td class=\"c x1e8 y11a1 w75 h6b\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11a2 w76 h6c\"><div class=\"t m0 x59 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Operate Leasing<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a2 w81 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">10.466 </div></td><td class=\"c x1e8 y11a2 w75 h6c\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">13.788 </div></td></tr><tr><td class=\"c x174 y11a3 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Ertr\u00e4ge aus dem <span class=\"_ _0\"></span>Leasingteilkonzern </div></td><td class=\"c x1e7 y11a3 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.940 </div></td><td class=\"c x1e8 y11a3 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.445 </div></td></tr><tr><td class=\"c x174 y11a4 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bankfremde Vermittlun<span class=\"_ _0\"></span>gsprovisionen </div></td><td class=\"c x1e7 y11a4 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.752 </div></td><td class=\"c x1e8 y11a4 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.134 </div></td></tr><tr><td class=\"c x174 y11a5 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges </div></td><td class=\"c x1e7 y11a5 w81 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.315 </div></td><td class=\"c x1e8 y11a5 w75 h6b\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.889 </div></td></tr><tr><td class=\"c x174 y11a6 w76 h6b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige betriebliche Aufwendungen:<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11a6 w81 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">49.579</span> </div></td><td class=\"c x1e8 y11a6 w75 h6b\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">56.380</span> </div></td></tr><tr><td class=\"c x174 y11a7 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s operationellen Risiken </div></td><td class=\"c x1e7 y11a7 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.451 </div></td><td class=\"c x1e8 y11a7 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.680 </div></td></tr><tr><td class=\"c x174 y11a8 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stabilit\u00e4tsabgabe </div></td><td class=\"c x1e7 y11a8 w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.758 </div></td><td class=\"c x1e8 y11a8 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.881 </div></td></tr><tr><td class=\"c x174 y11a9 w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Abwicklungsfon<span class=\"_ _0\"></span>ds </div></td><td class=\"c x1e7 y11a9 w81 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.333 </div></td><td class=\"c x1e8 y11a9 w75 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.960 </div></td></tr><tr><td class=\"c x174 y11aa w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beitr\u00e4ge zum Einlagensicherungsfonds </div></td><td class=\"c x1e7 y11aa w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.317 </div></td><td class=\"c x1e8 y11aa w75 h6b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.440 </div></td></tr><tr><td class=\"c x174 y11ab w76 h6b\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufwendungen au<span class=\"_ _0\"></span>s Operate Leasing </div></td><td class=\"c x1e7 y11ab w81 h6b\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.331 </div></td><td class=\"c x1e8 y11ab w75 h6b\"><div class=\"t m0 x4a h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">-14.046 </div><div class=\"t m0 x7 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dc ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y5dd ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x31 h5 y5de ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-431": {
   "value": "10) Steuern vom Einkommen und Ertrag<span class=\"_ _0\"></span> Die Steuern vom Einkommen und Ertrag b<span class=\"_ _0\"></span>einhalten die laufenden Ertragsteuern der einzelnen Konzernuntern<span class=\"_ _0\"></span>ehmen, Anpas<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>sungen f\u00fcr perioden<span class=\"_ _0\"></span>fremde laufende Ertragsteuern sowie die Ver\u00e4nderungen d<span class=\"_ _0\"></span>er latenten Steuerabgrenzungen.<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"ls0\"> </span>\u00dcberleitung: Zusammenhang zwischen rechnerisc<span class=\"_ _0\"></span>hen und effektiv ausgewiesenen Steuern vom E<span class=\"_ _0\"></span>inkommen und Ertrag<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> 295.260<span class=\"_ _128\"> </span>281.887<span class=\"_ _128\"> </span>Errechneter Steueraufwand 25 %<span class=\"_ _0\"></span> 73.815<span class=\"_ _128\"> </span>70.472<span class=\"_ _128\"> </span>Direkt im Eigenkapit<span class=\"_ _0\"></span>al erfasste Anpassungen<span class=\"_ _128\"> </span>-<span class=\"ls2\">734</span> -<span class=\"ls2\">737</span> Steuerersparnis aus steuerfreien Beteiligungsertr<span class=\"_ _0\"></span>\u00e4gen<span class=\"_ _128\"> </span>-2.392<span class=\"_ _128\"> </span>-2.319<span class=\"_ _128\"> </span>Steuerersparnis aus at<span class=\"_ _0\"></span>-Equity-\u00dcberschussbetr\u00e4gen<span class=\"_ _128\"> </span>-22.663<span class=\"_ _128\"> </span>-25.033<span class=\"_ _128\"> </span>Steueraufwand (+)/<span class=\"_ _0\"></span>-ertrag (-) betreffend Vorjahre<span class=\"_ _128\"> </span>129<span class=\"ls0\"> </span>2.781<span class=\"_ _128\"> </span>Steuerersparnis aus sonst<span class=\"_ _0\"></span>igen steuerbefreiten Ertr\u00e4gen<span class=\"_ _0\"></span> -<span class=\"ls2\">243</span> -<span class=\"ls2\">144</span> Steuer aus nicht abzu<span class=\"_ _0\"></span>gsf\u00e4higem Aufwand<span class=\"_ _128\"> </span>7.753<span class=\"_ _128\"> </span>2.035<span class=\"_ _128\"> </span>Steuerersparnis aus Verbrau<span class=\"_ _0\"></span>ch Verlustvortr\u00e4ge<span class=\"_ _128\"> </span>728<span class=\"ls0\"> </span>551<span class=\"ls0\"> </span>Steuereffekte aus abweichenden St<span class=\"_ _0\"></span>euers\u00e4tzen<span class=\"_ _128\"> </span>1.249<span class=\"_ _128\"> </span>-<span class=\"ls2\">367</span> Ausgewiesener Steueraufw<span class=\"_ _0\"></span>and (+)/-ertrag (-)<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Effektiver Steuersatz<span class=\"_ _128\"> </span>17,60%<span class=\"_ _128\"> </span>16,76%<span class=\"_ _128\"> </span>Ertragsteuern, die auf einzelne Bestandteile des s<span class=\"_ _0\"></span>onstigen Ergebnisses bzw. des Eigenkapitals e<span class=\"_ _0\"></span>ntfallen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>nach Steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis nach<span class=\"_ _128\"> </span>Steuern<span class=\"_ _128\"> </span>Versicherungsmath. <span class=\"_ _0\"></span>Gewinne/<span class=\"_ _128\"> </span>Verluste gem. IAS 19 37.244<span class=\"_ _128\"> </span>-9.671<span class=\"_ _128\"> </span>27.573<span class=\"_ _128\"> </span>17.147-4.287<span class=\"_ _128\"> </span>12.860<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Schuldtitel IFRS 9 mit<span class=\"_ _128\"> </span>Reklassifizierung<span class=\"_ _128\"> </span>-2.193<span class=\"_ _128\"> </span>510<span class=\"ls0\"> </span>-1.683<span class=\"_ _128\"> </span>-<span class=\"ls2\">107</span> 26<span class=\"ls0\"> </span>-<span class=\"ls2\">81</span> Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Eigenkap<span class=\"_ _0\"></span>ital-instru-<span class=\"_ _128\"> </span>mente IFRS 9 ohne Reklassifizie-<span class=\"_ _128\"> </span>rung<span class=\"_ _128\"> </span>-48.83616.377<span class=\"_ _128\"> </span>-32.459<span class=\"_ _128\"> </span>58.866-14.608<span class=\"_ _128\"> </span>44.258<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen eigenes Kreditrisiko<span class=\"_ _128\"> </span>IFRS 9 ohne Reklassifizierung<span class=\"_ _0\"></span> 26.563<span class=\"_ _128\"> </span>-6.294<span class=\"_ _128\"> </span>20.269-17.377<span class=\"_ _128\"> </span>4.344<span class=\"_ _128\"> </span>-13.033<span class=\"_ _128\"> </span>Ver\u00e4nderung W\u00e4hrungsau<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>gleichsposten<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>3.736<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>3.736<span class=\"_ _128\"> </span>Ergebnisanteil aus der Anw<span class=\"_ _0\"></span>en-<span class=\"_ _128\"> </span>dung der Equity Met<span class=\"_ _0\"></span>hode 12.790<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>12.790<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>Summe<span class=\"_ _128\"> </span>26.164<span class=\"ls0\"> </span>921<span class=\"ls0\"> </span>27.085<span class=\"ls0\"> </span>75.740<span class=\"ls0\"> </span>-<span class=\"ls2\">14.525</span> 61.216<span class=\"ls0\"> </span><div class=\"gs3c\"><table class=\"s w2d0 h196\" id=\"_0d4426d6-8b62-4291-8121-3363d2feb36b\"><tr><td class=\"c x174 y126c w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">21) Sonstige Aktiva </div></td><td class=\"c x1e7 y126c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y126c w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y126d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steueranspr\u00fc<span class=\"_ _0\"></span>che </div></td><td class=\"c x1e7 y126d w81 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.353 </div></td><td class=\"c x1e8 y126d w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390 </div></td></tr><tr><td class=\"c x174 y126e w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y126e w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">137.781 </div></td><td class=\"c x1e8 y126e w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">127.011 </div></td></tr><tr><td class=\"c x174 y126f w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y126f w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">39.640 </div></td><td class=\"c x1e8 y126f w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.159 </div></td></tr><tr><td class=\"c x174 y1270 w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten </div></td><td class=\"c x1e7 y1270 w81 hd\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">10.677 </div></td><td class=\"c x1e8 y1270 w75 hd\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.067 </div></td></tr><tr><td class=\"c x174 y1271 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td class=\"c x1e7 y1271 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">189.451 </div></td><td class=\"c x1e8 y1271 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">233.627 </div></td></tr></table></div><div class=\"gs157\"><table class=\"s w300 h197\" id=\"_48472152-f7bc-4fa3-baa8-c1987a6617eb\"><tr><td class=\"c x199 y1272 w3 h3\"><div class=\"t m0 x3 h5 y67e ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y67f ff5 fs2 fc2 sc0 ls0 ws0\">Aktive Steuerabgrenzungen / Passive Steuerabgrenzungen <span class=\"_ _1\"></span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x219 y1273 wac hc\" colspan=\"2\"><div class=\"t m0 x88 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Steuerabgrenzungen 2022<span class=\"_ _0\"></span> </div></td><td class=\"c x21a y1273 wad hc\" colspan=\"2\"><div class=\"t m0 x5c h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Steuerabgrenzungen 2021<span class=\"_ _0\"></span> </div></td></tr><tr><td></td><td class=\"c x21b y1274 waf h12\"><div class=\"t m0 x5b h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Aktiv </div></td><td class=\"c x21c y1274 w56 h12\"><div class=\"t m0 x60 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Passiv </div></td><td class=\"c x1a8 y1274 waf h12\"><div class=\"t m0 x5b h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Aktiv </div></td><td class=\"c x21d y1274 w56 h12\"><div class=\"t m0 x60 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Passiv </div></td></tr><tr><td class=\"c x1a7 y1275 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td class=\"c x21b y1275 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">105<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1275 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y1275 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1275 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1276 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x21b y1276 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1276 w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">138</span> </div></td><td class=\"c x1a8 y1276 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y1276 w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">866</span> </div></td></tr><tr><td class=\"c x1a7 y1277 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x21b y1277 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.358 </div></td><td class=\"c x21c y1277 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.827 </div></td><td class=\"c x1a8 y1277 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.027 </div></td><td class=\"c x21d y1277 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.233 </div></td></tr><tr><td class=\"c x1a7 y1278 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x21b y1278 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1278 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-10.492 </div></td><td class=\"c x1a8 y1278 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y1278 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.793 </div></td></tr><tr><td class=\"c x1a7 y1279 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x21b y1279 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">465<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1279 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.331 </div></td><td class=\"c x1a8 y1279 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">385<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1279 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.674 </div></td></tr><tr><td class=\"c x1a7 y127a wae hf\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y127a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127a w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.089 </div></td><td class=\"c x1a8 y127a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127a w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.450 </div></td></tr><tr><td class=\"c x1a7 y127b wae h12\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanz. Verm\u00f6genswerte FV/<span class=\"_ _0\"></span>OCI (mit recycling) </div></td><td class=\"c x21b y127b waf h12\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127b w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.869 </div></td><td class=\"c x1a8 y127b waf h12\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127b w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.581 </div></td></tr><tr><td class=\"c x1a7 y127c wae hc\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanz. Verm\u00f6genswerte FV/<span class=\"_ _0\"></span>OCI (ohne recycling) </div></td><td class=\"c x21b y127c waf hc\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127c w56 hc\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-10.374 </div></td><td class=\"c x1a8 y127c waf hc\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127c w56 hc\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-29.643 </div></td></tr><tr><td class=\"c x1a7 y127d wae hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y127d waf hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">455<span class=\"ls0\"> </span></div></td><td class=\"c x21c y127d w56 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y127d waf hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x21d y127d w56 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y127e wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity b<span class=\"_ _0\"></span>ewerteten Unternehmen </div></td><td class=\"c x21b y127e waf hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x21c y127e w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y127e waf hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x21d y127e w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y127f wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6gen </div></td><td class=\"c x21b y127f waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y127f w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">30</span> </div></td><td class=\"c x1a8 y127f waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y127f w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">73</span> </div></td></tr><tr><td class=\"c x1a7 y1280 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x21b y1280 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">537<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1280 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-31.964 </div></td><td class=\"c x1a8 y1280 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">316<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1280 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-35.625 </div></td></tr><tr><td class=\"c x1a7 y1281 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td class=\"c x21b y1281 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.894 </div></td><td class=\"c x21c y1281 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">57</span> </div></td><td class=\"c x1a8 y1281 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y1281 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.577 </div></td></tr><tr><td></td><td class=\"c x21b y1282 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.371 </div></td><td class=\"c x21c y1282 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-74.838 </div></td><td class=\"c x1a8 y1282 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.920 </div></td><td class=\"c x21d y1282 w56 hf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-116.513 </div></td></tr><tr><td class=\"c x1a7 y1283 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x21b y1283 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">101<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1283 w56 hf\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x1a8 y1283 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">846<span class=\"ls0\"> </span></div></td><td class=\"c x21d y1283 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td></tr><tr><td class=\"c x1a7 y1284 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x21b y1284 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1284 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.060 </div></td><td class=\"c x1a8 y1284 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.550 </div></td><td class=\"c x21d y1284 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1285 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x21b y1285 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1285 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.311 </div></td><td class=\"c x1a8 y1285 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.193 </div></td><td class=\"c x21d y1285 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1286 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Personalr\u00fcckstellungen </div></td><td class=\"c x21b y1286 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.662 </div></td><td class=\"c x21c y1286 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y1286 waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.026 </div></td><td class=\"c x21d y1286 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr></table></div><div class=\"gsa\"><table class=\"s w301 h198\" id=\"_0783a6f5-b790-4412-a89c-4b24661178a9\"><tr><td class=\"c x1a7 y1287 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y1287 waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">298<span class=\"ls0\"> </span></div></td><td class=\"c x21c y1287 w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">714</span> </div></td><td class=\"c x1a8 y1287 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.277 </div></td><td class=\"c x21d y1287 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y1288 wae hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td class=\"c x21b y1288 waf hd\"><div class=\"t m0 x54 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">72.435 </div></td><td class=\"c x21c y1288 w56 hd\"><div class=\"t m0 x15 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">312</span> </div></td><td class=\"c x1a8 y1288 waf hd\"><div class=\"t m0 x54 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">43.195 </div></td><td class=\"c x21d y1288 w56 hd\"><div class=\"t m0 x15 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">269</span> </div></td></tr><tr><td class=\"c x1a7 y1289 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x21b y1289 waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y1289 w56 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.616 </div></td><td class=\"c x1a8 y1289 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.712 </div></td><td class=\"c x21d y1289 w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y128a wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Unversteuerte R\u00fccklagen / Bewertun<span class=\"_ _0\"></span>gsreserven </div></td><td class=\"c x21b y128a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21c y128a w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">227</span> </div></td><td class=\"c x1a8 y128a waf hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x21d y128a w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">233</span> </div></td></tr><tr><td></td><td class=\"c x21b y128b waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.497 </div></td><td class=\"c x21c y128b w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-36.243 </div></td><td class=\"c x1a8 y128b waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">92.799 </div></td><td class=\"c x21d y128b w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">517</span> </div></td></tr><tr><td class=\"c x1a7 y128c wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktivierungsf\u00e4hige steuerliche Verlustvortr\u00e4ge<span class=\"_ _0\"></span> </div></td><td class=\"c x21b y128c waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">359<span class=\"ls0\"> </span></div></td><td class=\"c x21c y128c w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a8 y128c waf hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x21d y128c w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y128d wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktive/Passive Steuerab<span class=\"_ _0\"></span>grenzung </div></td><td class=\"c x21b y128d waf hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.227 </div></td><td class=\"c x21c y128d w56 hf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-111.082 </div></td><td class=\"c x1a8 y128d waf hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">103.175 </div></td><td class=\"c x21d y128d w56 hf\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-117.030 </div></td></tr><tr><td class=\"c x183 y128e w302 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Saldierung von a<span class=\"_ _0\"></span>ktiven und passiven Steuerabgrenzungen gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y128f w303 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">derselben Finanzbeh\u00f6rde<span class=\"_ _128\"> </span></div></td><td class=\"c x21b y1290 waf h28\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-96.874 </div></td><td class=\"c x21c y1290 w56 h28\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">96.874 </div></td><td class=\"c x1a8 y1290 waf h28\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-101.785 </div></td><td class=\"c x21d y1290 w56 h28\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">101.785 </div></td></tr><tr><td class=\"c x1a7 y1291 wae hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steuerford<span class=\"_ _0\"></span>erung/-verbindlichkeit per Saldo </div></td><td class=\"c x21b y1291 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.353 </div></td><td class=\"c x21c y1291 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.207 </div></td><td class=\"c x1a8 y1291 waf hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390 </div></td><td class=\"c x21d y1291 w56 hf\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-15.245 </div></td></tr><tr><td class=\"c x178 y1292 w304 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zum 31.12.2022 wur<span class=\"_ _5\"></span>den kei<span class=\"_ _5\"></span>ne aktiven lat<span class=\"_ _5\"></span>enten Steue<span class=\"_ _5\"></span>rn f\u00fcr steuerl<span class=\"_ _5\"></span>iche Verlustvo<span class=\"_ _5\"></span>rtr\u00e4ge aus dem Le<span class=\"_ _5\"></span>asing-Teilkonzern in H\u00f6he<span class=\"_ _5\"></span> von 1.941 Tsd. Euro<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1293 w305 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">(Vorjahr: 1.602 Tsd. Euro<span class=\"_ _5\"></span>) angesetzt, <span class=\"_ _5\"></span>da aus heut<span class=\"_ _5\"></span>iger Sicht<span class=\"_ _5\"></span> ein Verbrauch in ab<span class=\"_ _5\"></span>sehbarer Z<span class=\"_ _5\"></span>eit nicht reali<span class=\"_ _5\"></span>sierbar erscheint<span class=\"_ _5\"></span>.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1295 w306 h199\"><div class=\"t m0 x177 h17 y1294 ff4 fs4 fc2 sc0 ls0 ws0\">Auf tempor\u00e4r<span class=\"_ _5\"></span>e Differe<span class=\"_ _5\"></span>nzen aus Anteilen an Toc<span class=\"_ _5\"></span>hterunt<span class=\"_ _5\"></span>ernehmen, Gemeins<span class=\"_ _5\"></span>chaftsunt<span class=\"_ _5\"></span>ernehmen und as<span class=\"_ _5\"></span>soziierten Unter<span class=\"_ _5\"></span>nehmen, die v<span class=\"_ _5\"></span>on Konzernge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">sellscha<span class=\"_ _5\"></span>ften gehalte<span class=\"_ _5\"></span>n werden, in H\u00f6he von 850.667 Tsd. <span class=\"_ _5\"></span>Euro (Vo<span class=\"_ _5\"></span>rjahr: 759.310 Tsd. <span class=\"_ _5\"></span>Euro) wurden <span class=\"_ _5\"></span>in \u00dcbere<span class=\"_ _5\"></span>instimmung mit IAS 12<span class=\"_ _5\"></span>.39 keine<span class=\"_ _5\"></span> passiven<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w307 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">latente<span class=\"_ _5\"></span>n Steuern angese<span class=\"_ _5\"></span>tzt, da sich <span class=\"_ _5\"></span>die tempor\u00e4ren Diff<span class=\"_ _5\"></span>erenzen in absehb<span class=\"_ _5\"></span>arer Zeit er<span class=\"_ _5\"></span>wartungsgem\u00e4\u00df nic<span class=\"_ _5\"></span>ht umkehre<span class=\"_ _5\"></span>n werden. B<span class=\"_ _5\"></span>ei der tempor\u00e4re<span class=\"ls9\">n<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w308 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Differenz hande<span class=\"_ _5\"></span>lt es sich <span class=\"_ _5\"></span>um thesaurier<span class=\"_ _5\"></span>te Gewinn<span class=\"_ _5\"></span>anteile, deren <span class=\"_ _5\"></span>Aussch\u00fcttung nicht b<span class=\"_ _5\"></span>eabsichtigt i<span class=\"_ _5\"></span>st bzw. auf absehbar<span class=\"_ _5\"></span>e Zeit steuerfrei bl<span class=\"_ _5\"></span>eiben wird.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w309 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zum 31.12.2022 wur<span class=\"_ _5\"></span>de daher<span class=\"_ _5\"></span> <span class=\"ff9\">\u2013</span> ohne Ber\u00fcc<span class=\"_ _5\"></span>ksichtigung der<span class=\"_ _5\"></span> steuerfreie<span class=\"_ _5\"></span>n Gewinnaussch\u00fc<span class=\"_ _5\"></span>ttungen vo<span class=\"_ _5\"></span>n Tochterunternehmen <span class=\"ff9\">\u2013<span class=\"_ _5\"></span><span class=\"ff4\"> eine hy<span class=\"_ _5\"></span>pothetische<span class=\"_ _128\"> </span></span></span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w30a h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Steuerschu<span class=\"_ _5\"></span>ld von 212.667 Tsd. Eur<span class=\"_ _5\"></span>o (Vorjahr<span class=\"_ _5\"></span> 189.828 Tsd. Euro)<span class=\"_ _5\"></span> nicht ange<span class=\"_ _5\"></span>setzt.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gsa\"><table class=\"s w2e9 h1a7\" id=\"_e77bbf38-68e5-42e6-b9a3-1aa30656b7cb\"><tr><td class=\"c x1a7 y130d w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">26) Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130d w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y130d w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y130e w76 hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130e w81 hd\"><div class=\"t m0 x3f h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">50.381<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130e w75 hd\"><div class=\"t m0 x3f h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">35.539<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y130f w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerschulden<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130f w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">23.632<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130f w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.983<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1310 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufende Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1310 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.425<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1310 w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.738<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1311 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div><div class=\"t m0 xbb h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x97 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e3 y1311 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.207<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1311 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.245<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1312 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1312 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">141.298<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1312 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">143.833<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1313 w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1313 w81 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">122.876<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1313 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">244.459<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1314 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Negative Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1314 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">184.551<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1314 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.077<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1315 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1315 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">12.068<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1315 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.167<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1316 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1316 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">534.806<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1316 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">532.058<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y1318 w328 h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x22f h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">Details <span class=\"_ _5\"></span>zu Passiven Ste<span class=\"_ _5\"></span>uerabgrenzungen si<span class=\"_ _5\"></span>ehe Not<span class=\"_ _5\"></span>e 21, \u201eSonsti<span class=\"_ _5\"></span>ge Aktiva\u201c. Ab dem Jahr<span class=\"_ _5\"></span>esabschlus<span class=\"_ _5\"></span>s 31.12.2022 wer<span class=\"_ _5\"></span>den die L<span class=\"_ _5\"></span>easing<span class=\"ff4\">forderungen<span class=\"_ _128\"> </span></span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w329 h172\"><div class=\"t m0 x177 h17 y115f ff4 fs4 fc2 sc0 ls0 ws0\">netto, r<span class=\"_ _5\"></span>eduziert um <span class=\"ff9\">Mietso<span class=\"_ _5\"></span>nderzahlungen und D<span class=\"_ _5\"></span>epotzahlungen <span class=\"_ _5\"></span>in H\u00f6he von \u20ac 173 M<span class=\"_ _5\"></span>io. dargeste<span class=\"_ _5\"></span>llt. Di<span class=\"_ _5\"></span>es f\u00fchrt auch zu einer<span class=\"_ _5\"></span> Verringerung der<span class=\"_ _5\"></span> Sons-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">tigen Passiva <span class=\"_ _5\"></span>in identer<span class=\"_ _5\"></span> H\u00f6he.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-407": {
   "value": "10) Steuern vom Einkommen und Ertrag<span class=\"_ _0\"></span> Die Steuern vom Einkommen und Ertrag b<span class=\"_ _0\"></span>einhalten die laufenden Ertragsteuern der einzelnen Konzernuntern<span class=\"_ _0\"></span>ehmen, Anpas<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>sungen f\u00fcr perioden<span class=\"_ _0\"></span>fremde laufende Ertragsteuern sowie die Ver\u00e4nderungen d<span class=\"_ _0\"></span>er latenten Steuerabgrenzungen.<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"ls0\"> </span>\u00dcberleitung: Zusammenhang zwischen rechnerisc<span class=\"_ _0\"></span>hen und effektiv ausgewiesenen Steuern vom E<span class=\"_ _0\"></span>inkommen und Ertrag<span class=\"_ _1\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Laufender Ertragst<span class=\"_ _0\"></span>eueraufwand<span class=\"_ _128\"> </span>52.155<span class=\"_ _128\"> </span>44.421<span class=\"_ _128\"> </span>Latenter Ertragsteuerau<span class=\"_ _0\"></span>fwand (+)/-ertrag (-<span class=\"lsb\">)</span><span class=\"lsb\"> </span> -<span class=\"ls2\">182</span> 2.818<span class=\"_ _128\"> </span>Ertragsteuern<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> 295.260<span class=\"_ _128\"> </span>281.887<span class=\"_ _128\"> </span>Errechneter Steueraufwand 25 %<span class=\"_ _0\"></span> 73.815<span class=\"_ _128\"> </span>70.472<span class=\"_ _128\"> </span>Direkt im Eigenkapit<span class=\"_ _0\"></span>al erfasste Anpassungen<span class=\"_ _128\"> </span>-<span class=\"ls2\">734</span> -<span class=\"ls2\">737</span> Steuerersparnis aus steuerfreien Beteiligungsertr<span class=\"_ _0\"></span>\u00e4gen<span class=\"_ _128\"> </span>-2.392<span class=\"_ _128\"> </span>-2.319<span class=\"_ _128\"> </span>Steuerersparnis aus at<span class=\"_ _0\"></span>-Equity-\u00dcberschussbetr\u00e4gen<span class=\"_ _128\"> </span>-22.663<span class=\"_ _128\"> </span>-25.033<span class=\"_ _128\"> </span>Steueraufwand (+)/<span class=\"_ _0\"></span>-ertrag (-) betreffend Vorjahre<span class=\"_ _128\"> </span>129<span class=\"ls0\"> </span>2.781<span class=\"_ _128\"> </span>Steuerersparnis aus sonst<span class=\"_ _0\"></span>igen steuerbefreiten Ertr\u00e4gen<span class=\"_ _0\"></span> -<span class=\"ls2\">243</span> -<span class=\"ls2\">144</span> Steuer aus nicht abzu<span class=\"_ _0\"></span>gsf\u00e4higem Aufwand<span class=\"_ _128\"> </span>7.753<span class=\"_ _128\"> </span>2.035<span class=\"_ _128\"> </span>Steuerersparnis aus Verbrau<span class=\"_ _0\"></span>ch Verlustvortr\u00e4ge<span class=\"_ _128\"> </span>728<span class=\"ls0\"> </span>551<span class=\"ls0\"> </span>Steuereffekte aus abweichenden St<span class=\"_ _0\"></span>euers\u00e4tzen<span class=\"_ _128\"> </span>1.249<span class=\"_ _128\"> </span>-<span class=\"ls2\">367</span> Ausgewiesener Steueraufw<span class=\"_ _0\"></span>and (+)/-ertrag (-)<span class=\"_ _128\"> </span>51.973<span class=\"_ _128\"> </span>47.239<span class=\"_ _128\"> </span>Effektiver Steuersatz<span class=\"_ _128\"> </span>17,60%<span class=\"_ _128\"> </span>16,76%<span class=\"_ _128\"> </span>Ertragsteuern, die auf einzelne Bestandteile des s<span class=\"_ _0\"></span>onstigen Ergebnisses bzw. des Eigenkapitals e<span class=\"_ _0\"></span>ntfallen<span class=\"_ _0\"></span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>nach Steuern<span class=\"_ _128\"> </span>Ergebnis<span class=\"_ _128\"> </span>vor Steuern<span class=\"_ _128\"> </span>Ertrag-<span class=\"_ _128\"> </span>steuern<span class=\"_ _128\"> </span>Ergebnis nach<span class=\"_ _128\"> </span>Steuern<span class=\"_ _128\"> </span>Versicherungsmath. <span class=\"_ _0\"></span>Gewinne/<span class=\"_ _128\"> </span>Verluste gem. IAS 19 37.244<span class=\"_ _128\"> </span>-9.671<span class=\"_ _128\"> </span>27.573<span class=\"_ _128\"> </span>17.147-4.287<span class=\"_ _128\"> </span>12.860<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Schuldtitel IFRS 9 mit<span class=\"_ _128\"> </span>Reklassifizierung<span class=\"_ _128\"> </span>-2.193<span class=\"_ _128\"> </span>510<span class=\"ls0\"> </span>-1.683<span class=\"_ _128\"> </span>-<span class=\"ls2\">107</span> 26<span class=\"ls0\"> </span>-<span class=\"ls2\">81</span> Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen Eigenkap<span class=\"_ _0\"></span>ital-instru-<span class=\"_ _128\"> </span>mente IFRS 9 ohne Reklassifizie-<span class=\"_ _128\"> </span>rung<span class=\"_ _128\"> </span>-48.83616.377<span class=\"_ _128\"> </span>-32.459<span class=\"_ _128\"> </span>58.866-14.608<span class=\"_ _128\"> </span>44.258<span class=\"_ _128\"> </span>Erfolgsneutrale Bewertungs<span class=\"_ _0\"></span>-\u00e4n-<span class=\"_ _128\"> </span>derungen eigenes Kreditrisiko<span class=\"_ _128\"> </span>IFRS 9 ohne Reklassifizierung<span class=\"_ _0\"></span> 26.563<span class=\"_ _128\"> </span>-6.294<span class=\"_ _128\"> </span>20.269-17.377<span class=\"_ _128\"> </span>4.344<span class=\"_ _128\"> </span>-13.033<span class=\"_ _128\"> </span>Ver\u00e4nderung W\u00e4hrungsau<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>gleichsposten<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>595<span class=\"ls0\"> </span>3.736<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>3.736<span class=\"_ _128\"> </span>Ergebnisanteil aus der Anw<span class=\"_ _0\"></span>en-<span class=\"_ _128\"> </span>dung der Equity Met<span class=\"_ _0\"></span>hode 12.790<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>12.790<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.475<span class=\"_ _128\"> </span>Summe<span class=\"_ _128\"> </span>26.164<span class=\"ls0\"> </span>921<span class=\"ls0\"> </span>27.085<span class=\"ls0\"> </span>75.740<span class=\"ls0\"> </span>-<span class=\"ls2\">14.525</span> 61.216<span class=\"ls0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-432": {
   "value": "<div class=\"gsa\"><table class=\"s w2e8 h180\" id=\"_745955c6-5af7-4ab1-861a-73c71032081b\"><tr><td class=\"c x1a7 y11d8 w8d hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">11) Ergebnis je Aktie in \u20ac <span class=\"ff5\"> </span></div></td><td class=\"c x1e3 y11d8 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y11d8 w8f hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y11d9 w8d hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Aktienanzahl per 31.12. </div></td><td class=\"c x1e3 y11d9 w8e hd\"><div class=\"t m0 x70 h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td><td class=\"c x1e4 y11d9 w8f hd\"><div class=\"t m0 x70 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td></tr><tr><td class=\"c x1a7 y11da w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Durchschnittliche Anzah<span class=\"_ _0\"></span>l der umlaufenden Aktien </div></td><td class=\"c x1e3 y11da w8e he\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">35.290.065 </div></td><td class=\"c x1e4 y11da w8f he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.236.428 </div></td></tr><tr><td class=\"c x1a7 y11db w8d hf\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss nach St<span class=\"_ _0\"></span>euern in Tsd. \u20ac <span class=\"ff4\"> </span></div></td><td class=\"c x1e3 y11db w8e hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">243.287 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y11db w8f hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">234.648 </div></td></tr><tr><td class=\"c x1a7 y11dc w8d hf\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Ergebnis je Aktie in \u20ac<span class=\"ff4\"> </span></div></td><td class=\"c x1e3 y11dc w8e hf\"><div class=\"t m0 x2e h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">6,89 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y11dc w8f hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,66 </div></td></tr><tr><td class=\"c x199 y11dd w3 h3\"><div class=\"t m0 x3 h17 y5fd ff4 fs4 fc2 sc0 ls0 ws0\">Das verw\u00e4sse<span class=\"_ _5\"></span>rte Ergebni<span class=\"_ _5\"></span>s pro Aktie entspr<span class=\"_ _5\"></span>icht dem unver<span class=\"_ _5\"></span>w\u00e4sserte<span class=\"_ _5\"></span>n Ergebnis pro Aktie<span class=\"_ _5\"></span>, da keine<span class=\"_ _5\"></span> Finanzinstrumente<span class=\"_ _5\"></span> mit Verw\u00e4sse<span class=\"_ _5\"></span>rungseffekt ausge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h20 y64 ff4 fs4 fc2 sc0 ls0 ws0\">geben wurden. <span class=\"fs8\"> <span class=\"_ _7\"> </span> </span></div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-434": {
   "value": "<div class=\"gsa\"><table class=\"s w2e9 h181\" id=\"_27109d34-e5c8-45ab-ad90-42cd7cd3b815\"><tr><td class=\"c x1a7 y11de w73 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">12) Barreserve </div></td><td class=\"c x1e3 y11de w74 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y11de w75 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y11df w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken  </div></td><td class=\"c x1e3 y11df w74 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.195.154 </div></td><td class=\"c x1e4 y11df w75 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.193.765 </div></td></tr><tr><td class=\"c x1a7 y11e0 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Barreserve </div></td><td class=\"c x1e3 y11e0 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">92.168 </div></td><td class=\"c x1e4 y11e0 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">207.150 </div></td></tr><tr><td class=\"c x1a7 y11e1 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td class=\"c x1e3 y11e1 w74 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td class=\"c x1e4 y11e1 w75 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td></tr><tr><td class=\"c x178 y1160 w2ea h182\"><div class=\"t m0 x177 h17 y11e2 ff4 fs4 fc2 sc0 ls0 ws0\">Der star<span class=\"_ _5\"></span>ke R\u00fcckgang ist<span class=\"_ _5\"></span> auf das TLTRO III Ref<span class=\"_ _5\"></span>inanzierungspr<span class=\"_ _5\"></span>ogramm der EZ<span class=\"_ _5\"></span>B zur\u00fcckzuf\u00fch<span class=\"_ _5\"></span>ren. Im Gesch\u00e4f<span class=\"_ _5\"></span>tsjahr 2022 wurden <span class=\"_ _5\"></span>zwei vorzeitige R<span class=\"_ _5\"></span>\u00fcck-<span class=\"_ _128\"> </span></div><div class=\"t m0 x206 h17 y11af ff4 fs4 fc2 sc0 ls0 ws0\">ahlungen durchgef<span class=\"_ _5\"></span>\u00fchrt. Im Nove<span class=\"_ _5\"></span>mber 2022 wur<span class=\"_ _5\"></span>den 500 Mio<span class=\"_ _5\"></span>. Euro und im De<span class=\"_ _5\"></span>zember 2022 <span class=\"_ _5\"></span>zus\u00e4tzlich <span class=\"_ _5\"></span>1.000 Mio. Eur<span class=\"_ _5\"></span>o r\u00fcck<span class=\"_ _5\"></span>gef\u00fchrt, wodurch sich<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w2eb h17a\"><div class=\"t m0 x177 h17 y11af ff4 fs4 fc2 sc0 ls0 ws0\">das Ausma\u00df der a<span class=\"_ _5\"></span>ufgenommene<span class=\"_ _5\"></span>n Refinanzier<span class=\"_ _5\"></span>ungen per 31.12.2022 auf<span class=\"_ _5\"></span> 800 Mio<span class=\"_ _5\"></span>. Euro reduzie<span class=\"_ _5\"></span>rt hat.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "<table class=\"s w2e9 h181\" id=\"_27109d34-e5c8-45ab-ad90-42cd7cd3b815\"><tr><td class=\"c x1a7 y11de w73 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">12) Barreserve </div></td><td class=\"c x1e3 y11de w74 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y11de w75 h12\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y11df w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Guthaben bei Zentralnotenb<span class=\"_ _0\"></span>anken  </div></td><td class=\"c x1e3 y11df w74 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.195.154 </div></td><td class=\"c x1e4 y11df w75 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.193.765 </div></td></tr><tr><td class=\"c x1a7 y11e0 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Barreserve </div></td><td class=\"c x1e3 y11e0 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">92.168 </div></td><td class=\"c x1e4 y11e0 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">207.150 </div></td></tr><tr><td class=\"c x1a7 y11e1 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td class=\"c x1e3 y11e1 w74 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td class=\"c x1e4 y11e1 w75 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td></tr><tr><td class=\"c x178 y1160 w2ea h182\"><div class=\"t m0 x177 h17 y11e2 ff4 fs4 fc2 sc0 ls0 ws0\">Der star<span class=\"_ _5\"></span>ke R\u00fcckgang ist<span class=\"_ _5\"></span> auf das TLTRO III Ref<span class=\"_ _5\"></span>inanzierungspr<span class=\"_ _5\"></span>ogramm der EZ<span class=\"_ _5\"></span>B zur\u00fcckzuf\u00fch<span class=\"_ _5\"></span>ren. Im Gesch\u00e4f<span class=\"_ _5\"></span>tsjahr 2022 wurden <span class=\"_ _5\"></span>zwei vorzeitige R<span class=\"_ _5\"></span>\u00fcck-<span class=\"_ _128\"> </span></div><div class=\"t m0 x206 h17 y11af ff4 fs4 fc2 sc0 ls0 ws0\">ahlungen durchgef<span class=\"_ _5\"></span>\u00fchrt. Im Nove<span class=\"_ _5\"></span>mber 2022 wur<span class=\"_ _5\"></span>den 500 Mio<span class=\"_ _5\"></span>. Euro und im De<span class=\"_ _5\"></span>zember 2022 <span class=\"_ _5\"></span>zus\u00e4tzlich <span class=\"_ _5\"></span>1.000 Mio. Eur<span class=\"_ _5\"></span>o r\u00fcck<span class=\"_ _5\"></span>gef\u00fchrt, wodurch sich<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w2eb h17a\"><div class=\"t m0 x177 h17 y11af ff4 fs4 fc2 sc0 ls0 ws0\">das Ausma\u00df der a<span class=\"_ _5\"></span>ufgenommene<span class=\"_ _5\"></span>n Refinanzier<span class=\"_ _5\"></span>ungen per 31.12.2022 auf<span class=\"_ _5\"></span> 800 Mio<span class=\"_ _5\"></span>. Euro reduzie<span class=\"_ _5\"></span>rt hat.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-408": {
   "value": "<div class=\"gsa\"><table class=\"s w2d0 h183\" id=\"_cfcd7986-0093-4671-90eb-1013633606a8\"><tr><td class=\"c x174 y11e3 w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">13) Forderungen an Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11e3 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y11e3 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11e4 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an inl\u00e4ndische Kred<span class=\"_ _0\"></span>itinstitute </div></td><td class=\"c x1e7 y11e4 w91 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">84.407 </div></td><td class=\"c x1e8 y11e4 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.338 </div></td></tr><tr><td class=\"c x174 y11e5 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an au<span class=\"_ _0\"></span>sl\u00e4ndische Kreditinstitute<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y11e5 w91 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">972.797 </div></td><td class=\"c x1e8 y11e5 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">753.223 </div></td></tr><tr><td class=\"c x174 y11e6 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x1e7 y11e6 w91 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td class=\"c x1e8 y11e6 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr></table></div><div class=\"gs14c\"><table class=\"s w2ec h184\" id=\"_ed57172b-1ef2-4e56-8ad5-34acf56a049e\"><tr><td class=\"c x174 y11e7 w90 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute nach Fr<span class=\"_ _0\"></span>isten </div></td><td></td></tr><tr><td class=\"c x174 y11e8 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y11e8 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">318.962 </div></td><td class=\"c x1e8 y11e8 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">155.585 </div></td></tr><tr><td class=\"c x174 y11e9 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y11e9 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">668.270 </div></td><td class=\"c x1e8 y11e9 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">635.439 </div></td></tr><tr><td class=\"c x174 y11ea w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y11ea w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">64.061 </div></td><td class=\"c x1e8 y11ea w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.275 </div></td></tr><tr><td class=\"c x174 y11eb w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y11eb w91 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">811<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y11eb w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.094 </div></td></tr><tr><td class=\"c x174 y11ec w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y11ec w91 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.100 </div></td><td class=\"c x1e8 y11ec w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.168 </div></td></tr><tr><td class=\"c x174 y11ed w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td class=\"c x1e7 y11ed w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td class=\"c x1e8 y11ed w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-433": {
   "value": "<div class=\"gsa\"><table class=\"s w2d0 h185\" id=\"_d8aeffea-ddf8-4f6a-a78e-e89c82cd2913\"><tr><td class=\"c x174 y11ee w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">14) Forderungen an Kunden<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x1e7 y11ee w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y11ee w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y11ef w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an inl\u00e4ndische Kund<span class=\"_ _0\"></span>en </div></td><td></td><td class=\"c x1e7 y11ef w8e hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">10.623.848 </div></td><td class=\"c x1e8 y11ef w92 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.620.908 </div></td></tr><tr><td class=\"c x174 y11f0 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an au<span class=\"_ _0\"></span>sl\u00e4ndische Kunden </div></td><td></td><td class=\"c x1e7 y11f0 w8e hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">8.569.063 </div></td><td class=\"c x1e8 y11f0 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.807.019 </div></td></tr><tr><td class=\"c x174 y11f1 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x1e7 y11f1 w8e hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td><td class=\"c x1e8 y11f1 w92 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x178 y11b1 w2ed h186\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Ab dem Jahresa<span class=\"_ _5\"></span>bschluss <span class=\"_ _5\"></span>31.12.2022 werden <span class=\"_ _5\"></span>die Leasingforde<span class=\"_ _5\"></span>rungen netto, redu<span class=\"_ _5\"></span>ziert um Mie<span class=\"_ _5\"></span>tsonderzahlungen un<span class=\"_ _5\"></span>d Depot<span class=\"_ _5\"></span>zahlungen in H\u00f6he<span class=\"_ _5\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w2ee h171\"><div class=\"t m0 x177 h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">\u20ac 173<span class=\"_ _128\"> </span></div></td><td class=\"c x207 y1161 w2ef h171\"><div class=\"t m0 x177 h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">Mio. dargest<span class=\"_ _5\"></span>ellt. D<span class=\"_ _5\"></span>ies f\u00fchrt auch zur Verr<span class=\"_ _5\"></span>ingerung der<span class=\"_ _5\"></span> Sonstigen Passi<span class=\"_ _5\"></span>va in ide<span class=\"_ _5\"></span>nter H\u00f6he.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"gs14e\"><table class=\"s w2ec h187\" id=\"_f3b2b96e-e97e-4cb6-88c2-ef7918eb71cc\"><tr><td class=\"c x174 y11f2 w93 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden nach Fristen<span class=\"_ _0\"></span> </div></td><td></td></tr><tr><td class=\"c x174 y11f3 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y11f3 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.307.081 </div></td><td class=\"c x1e8 y11f3 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.888.947 </div></td></tr><tr><td class=\"c x174 y11f4 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y11f4 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.306.136 </div></td><td class=\"c x1e8 y11f4 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.074.448 </div></td></tr><tr><td class=\"c x174 y11f5 w93 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y11f5 w8e hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.121.983 </div></td><td class=\"c x1e8 y11f5 w92 hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.179.340 </div></td></tr><tr><td class=\"c x174 y11f6 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y11f6 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.851.962 </div></td><td class=\"c x1e8 y11f6 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.917.480 </div></td></tr><tr><td class=\"c x174 y11f7 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y11f7 w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.605.749 </div></td><td class=\"c x1e8 y11f7 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.367.712 </div></td></tr><tr><td class=\"c x174 y11f8 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x1e7 y11f8 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td><td class=\"c x1e8 y11f8 w92 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr></table></div><div class=\"gs14f\"><table class=\"s w2ec h188\" id=\"_26e00fd2-7fb0-470b-a578-671a9aaafc40\"><tr><td class=\"c x174 y11f9 w93 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Leasinggesch\u00e4ft (Finanzierungsleasing), Bruttoinvestitionswerte<span class=\"_ _0\"></span> </div></td><td></td></tr><tr><td class=\"c x174 y11fa w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y11fa w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">79.307 </div></td><td class=\"c x1e8 y11fa w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.061 </div></td></tr><tr><td class=\"c x174 y11fb w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y11fb w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">310.410 </div></td><td class=\"c x1e8 y11fb w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">208.669 </div></td></tr><tr><td class=\"c x174 y11fc w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y11fc w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">883.820 </div></td><td class=\"c x1e8 y11fc w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">986.036 </div></td></tr><tr><td class=\"c x174 y11fd w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y11fd w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.328 </div></td><td class=\"c x1e8 y11fd w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">209.234 </div></td></tr><tr><td class=\"c x174 y11fe w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y11fe w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.525.865 </div></td><td class=\"c x1e8 y11fe w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.469.000 </div></td></tr><tr><td class=\"c x174 y11ff w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nicht realisierte Finanzertr\u00e4ge<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1200 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1200 w8e hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.036 </div></td><td class=\"c x1e8 y1200 w92 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.010 </div></td></tr><tr><td class=\"c x174 y1201 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1201 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.314 </div></td><td class=\"c x1e8 y1201 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.496 </div></td></tr><tr><td class=\"c x174 y1202 w93 hd\"><div class=\"t m0 x7 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1202 w8e hd\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">53.370 </div></td><td class=\"c x1e8 y1202 w92 hd\"><div class=\"t m0 x3f h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">36.431 </div></td></tr><tr><td class=\"c x174 y1203 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1203 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.838 </div></td><td class=\"c x1e8 y1203 w92 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.700 </div></td></tr><tr><td class=\"c x174 y1204 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y1204 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99.558 </div></td><td class=\"c x1e8 y1204 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.637 </div></td></tr><tr><td class=\"c x174 y1205 w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettoinvestitionswerte </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1206 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1206 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">71.271 </div></td><td class=\"c x1e8 y1206 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.051 </div></td></tr><tr><td class=\"c x174 y1207 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1207 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">289.096 </div></td><td class=\"c x1e8 y1207 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.173 </div></td></tr><tr><td class=\"c x174 y1208 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1208 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">830.450 </div></td><td class=\"c x1e8 y1208 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">949.605 </div></td></tr><tr><td class=\"c x174 y1209 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1209 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.490 </div></td><td class=\"c x1e8 y1209 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">200.534 </div></td></tr><tr><td class=\"c x174 y120a w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y120a w8e hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.426.307 </div></td><td class=\"c x1e8 y120a w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.402.363 </div></td></tr><tr><td class=\"c x174 y120b w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Wertberichtigun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x1e7 y120b w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.895 </div></td><td class=\"c x1e8 y120b w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.093 </div></td></tr></table></div>36) Nachrangige Verm\u00f6gensgegenst\u00e4nde in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Forderungen an Kredit<span class=\"_ _0\"></span>institute<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Forderungen an Kunden<span class=\"_ _128\"> </span>39.228<span class=\"_ _128\"> </span>55.479<span class=\"_ _128\"> </span>Schuldverschreibun<span class=\"_ _0\"></span>gen und andere festverzinsliche Wertpap<span class=\"_ _0\"></span>iere<span class=\"_ _128\"> </span>14.269<span class=\"_ _128\"> </span>5.287<span class=\"_ _128\"> </span>Andere nicht festverzinsliche Wertpap<span class=\"_ _0\"></span>iere<span class=\"_ _128\"> </span>16.609<span class=\"_ _128\"> </span>15.276<span class=\"_ _128\"> </span>Nachrangige Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>70.106<span class=\"_ _128\"> </span>76.042<span class=\"_ _128\"> </span><div class=\"gsa\"><table class=\"s w476 h21a\" id=\"_4eecafa6-72ac-4ad1-93df-00c98ad4b0fb\"><tr><td class=\"c x3a4 y17ba w1b5 hc\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2022<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17ba w145 hc\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17ba w1b6 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17ba w145 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17ba w1b6 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y17bb w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y17bb w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.512 </div></td><td class=\"c x3a6 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">484.868 </div></td><td class=\"c x3a7 y17bb w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.379.657 </div></td><td class=\"c x3a8 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.054 </div></td></tr><tr><td class=\"c x3a4 y17bc w1b5 h12\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2021<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17bc w145 h12\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17bc w1b6 h12\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17bc w145 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17bc w1b6 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y14f4 w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y14f4 w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.008 </div></td><td class=\"c x3a6 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">482.717 </div></td><td class=\"c x3a7 y14f4 w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.765.168 </div></td><td class=\"c x3a8 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">285.209 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "<table class=\"s w2ec h189\" id=\"_285880f8-f142-42f2-9e68-ede16f17f72a\"><tr><td class=\"c x174 y120c w95 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">16) Handelsaktiva </div></td><td class=\"c x1e7 y120c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y120c w77 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y120d w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y120e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y120e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.933 </div></td><td class=\"c x1e8 y120e w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y120f w95 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1210 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1210 w81 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x1e8 y1210 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.617 </div></td></tr><tr><td class=\"c x174 y1211 w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte aus derivativen Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1212 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1212 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.184 </div></td><td class=\"c x1e8 y1212 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.768 </div></td></tr><tr><td class=\"c x174 y1213 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y1213 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">36.536 </div></td><td class=\"c x1e8 y1213 w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.995 </div></td></tr><tr><td class=\"c x174 y1214 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y1214 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1214 w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1215 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x1e7 y1215 w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td class=\"c x1e8 y1215 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr></table>54) Gesamtvolumen noch nicht abgewickel<span class=\"_ _0\"></span>ter derivativer Finanzprodukte<span class=\"_ _0\"></span> Die am Bilanzstichtag noch<span class=\"_ _0\"></span> nicht abgewickelten derivativen Finanzgesch\u00e4fte werd<span class=\"_ _0\"></span>en in der folgenden \u00dcbersicht<span class=\"_ _0\"></span> einseitig<span class=\"_ _128\"> </span> dargestellt. In der Oberbank w<span class=\"_ _0\"></span>erden Derivate \u00fcberwiegend zur Absicherung von M<span class=\"_ _0\"></span>arktrisiken im K<span class=\"_ _0\"></span>undengesch\u00e4ft<span class=\"_ _0\"></span> und zur<span class=\"_ _128\"> </span> Steuerung des Ban<span class=\"_ _0\"></span>kbuchs abgeschlossen.<span class=\"_ _128\"> </span> Die Oberbank verfolgt fo<span class=\"_ _0\"></span>lgende Absicherungsstrategie:<span class=\"_ _128\"> </span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Derivative Produkte, die an G<span class=\"_ _0\"></span>esch\u00e4ftskundInnen verkauft werden, werden grunds\u00e4tzlich geschlossen.<span class=\"_ _1\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Derivative Produkte werden<span class=\"_ _0\"></span> weiters zur Absicheru<span class=\"_ _0\"></span>ng von Zins- und W\u00e4hrungsr<span class=\"_ _0\"></span>isiken aus Kassagesch\u00e4ften eingesetzt.<span class=\"_ _0\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Langlaufende eigene Emissionen u<span class=\"_ _0\"></span>nd Schuldscheindarlehen, die zur Absicherung d<span class=\"_ _0\"></span>er Liquidit\u00e4t begeben werden, werden<span class=\"_ _0\"></span> </span></span>zum Teil mittels Zinsswap<span class=\"_ _0\"></span>s zinsgesichert.<span class=\"_ _128\"> </span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Im Einzelfall werden fix verzinst<span class=\"_ _0\"></span>e Wertpapierveranlagungen f\u00fcr das<span class=\"_ _0\"></span> Bankbuch mittels Swap abgesichert.<span class=\"_ _0\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Offene Derivate sind dah<span class=\"_ _0\"></span>er lediglich in untergeordneter H\u00f6he im Handelsbuch vorh<span class=\"_ _0\"></span>anden.<span class=\"_ _0\"></span> </span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Es befinden sich keine Kreditderiva<span class=\"_ _0\"></span>te im Bestand der Oberbank.</span></span><table class=\"s w480 h21f\" id=\"_a33d9dbc-e40a-4e05-b6ba-1faa1fa54ac4\"><tr><td></td><td></td><td class=\"c x3b3 y17d8 w1ba hc\"><div class=\"t m0 x14 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Nominalbetr\u00e4ge </div></td><td></td><td></td><td class=\"c x3b4 y17d8 w1bb hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x3b5 y17d8 w1ba hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x3b3 y17d9 w1ba hd\"><div class=\"t m0 x41 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Restlaufzeit </div></td><td></td><td class=\"c x3b4 y17d9 w1bc hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x3b6 y17d9 w1bd hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td><td class=\"c x3b5 y17d9 w1be hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x215 y17d9 w6c hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td></tr><tr><td class=\"c x174 y17da w1b9 he\"><div class=\"t m0 x7 h23 y370 ffb fs8 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x3b3 y17da w1bf he\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">bis 1 Jahr </div></td><td class=\"c x3b7 y17da w1c0 he\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1 <span class=\"ls0\">- 5 J.</span><span class=\"ls0\"> </span></div></td><td class=\"c x35d y17da w1be he\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">&gt; 5 J. </div></td><td class=\"c x3b4 y17da w1bc he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x3b6 y17da w1c1 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b8 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td><td class=\"c x3b5 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x215 y17da w1c0 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b9 y17da w1bf he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td></tr><tr><td class=\"c x174 y17db w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dc w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dd w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17dd w1bf hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">110<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17dd w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.310 </div></td><td class=\"c x35d y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17dd w1bc hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.420 </div></td><td class=\"c x3b6 y17dd w1c1 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">212<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3b5 y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.920 </div></td><td class=\"c x215 y17dd w1c0 hf\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">64<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17de w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17de w1bf he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">460<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17de w1c0 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.710 </div></td><td class=\"c x35d y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17de w1bc he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.170 </div></td><td></td><td class=\"c x3b8 y17de w1be he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">229</span> </div></td><td class=\"c x3b5 y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.370 </div></td><td></td><td class=\"c x3b9 y17de w1bf he\"><div class=\"t m0 x4a h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">59</span> </div></td></tr><tr><td class=\"c x174 y17df w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Swaptions </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3b5 y17e0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.000 </div></td><td class=\"c x215 y17e0 w1c0 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">413<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17e1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td class=\"c x35d y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td class=\"c x3b4 y17e1 w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td></td><td class=\"c x3b8 y17e1 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.237 </div></td><td class=\"c x3b5 y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">49.000 </div></td><td></td><td class=\"c x3b9 y17e1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.354 </div></td></tr><tr><td class=\"c x174 y17e2 w1c2 he\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinsswaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e3 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17e3 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">22.535 </div></td><td class=\"c x3b7 y17e3 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">246.251 </div></td><td class=\"c x35d y17e3 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.856 </div></td><td class=\"c x3b4 y17e3 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">418.642 </div></td><td class=\"c x3b6 y17e3 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">33.568 </div></td><td class=\"c x3b8 y17e3 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.966 </div></td><td class=\"c x3b5 y17e3 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">532.867 </div></td><td class=\"c x215 y17e3 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.820 </div></td><td class=\"c x3b9 y17e3 w1bf hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-25.342 </div></td></tr><tr><td class=\"c x174 y17e4 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17e4 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">86.035 </div></td><td class=\"c x3b7 y17e4 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">981.582 </div></td><td class=\"c x35d y17e4 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">719.333 </div></td><td class=\"c x3b4 y17e4 w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.786.950 </div></td><td class=\"c x3b6 y17e4 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.098 </div></td><td class=\"c x3b8 y17e4 w1be hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-177.160 </div></td><td class=\"c x3b5 y17e4 w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.909.085 </div></td><td class=\"c x215 y17e4 w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">93.825 </div></td><td class=\"c x3b9 y17e4 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-5.867 </div></td></tr><tr><td class=\"c x174 y17e5 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Anleiheoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e6 w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e7 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e8 w1c2 hd\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Wechselkursvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e9 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">W\u00e4hrungsoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ea w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ea w1bf he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td></td><td></td><td class=\"c x3b4 y17ea w1bc he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td class=\"c x3b6 y17ea w1c1 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.242 </div></td><td></td><td class=\"c x3b5 y17ea w1be he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.405 </div></td><td class=\"c x215 y17ea w1c0 he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">354<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17eb w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17eb w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td></td><td class=\"c x3b4 y17eb w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td class=\"c x3b8 y17eb w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.272 </div></td><td class=\"c x3b5 y17eb w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">28.760 </div></td><td></td><td class=\"c x3b9 y17eb w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">291</span> </div></td></tr><tr><td class=\"c x174 y17ec w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Devisentermingesch\u00e4fte  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ed w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ed w1bf hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.685.649 </div></td><td class=\"c x3b7 y17ed w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">169.546 </div></td><td></td><td class=\"c x3b4 y17ed w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.855.195 </div></td><td class=\"c x3b6 y17ed w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.984 </div></td><td></td><td class=\"c x3b5 y17ed w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.292.108 </div></td><td class=\"c x215 y17ed w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">24.702 </div></td><td></td></tr><tr><td class=\"c x174 y17ee w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17ee w1bf he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.693.451 </div></td><td class=\"c x3b7 y17ee w1c0 he\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">170.065 </div></td><td></td><td class=\"c x3b4 y17ee w1bc he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.863.516 </div></td><td></td><td class=\"c x3b8 y17ee w1be he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-36.913 </div></td><td class=\"c x3b5 y17ee w1be he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.297.011 </div></td><td></td><td class=\"c x3b9 y17ee w1bf he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.703 </div></td></tr><tr><td class=\"c x174 y17ef w1c3 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Cross Currency Swaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17f0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17f0 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">27.368 </div></td><td class=\"c x3b7 y17f0 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">221.015 </div></td><td class=\"c x35d y17f0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.736 </div></td><td class=\"c x3b4 y17f0 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.119 </div></td><td class=\"c x3b6 y17f0 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.679 </div></td><td class=\"c x3b8 y17f0 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.207 </div></td><td class=\"c x3b5 y17f0 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.969 </div></td><td class=\"c x215 y17f0 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.739 </div></td><td class=\"c x3b9 y17f0 w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">639</span> </div></td></tr><tr><td class=\"c x174 y17f1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17f1 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">11.724 </div></td><td class=\"c x3b7 y17f1 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">171.853 </div></td><td></td><td class=\"c x3b4 y17f1 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">183.577 </div></td><td class=\"c x3b6 y17f1 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.473 </div></td><td class=\"c x3b8 y17f1 w1be hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-11.837 </div></td><td class=\"c x3b5 y17f1 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">176.455 </div></td><td class=\"c x215 y17f1 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.414 </div></td><td class=\"c x3b9 y17f1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-6.831 </div></td></tr></table>F\u00fcr die Berechnung d<span class=\"_ _0\"></span>er Marktwerte kommen anerkannte Bewertungsmodelle zum Einsat<span class=\"_ _0\"></span>z, wobei die Bewertung zu Markt<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>bedingungen <span class=\"_ _0\"></span>durchgef\u00fchrt wird. F\u00fcr symmetrische Produkte (Int<span class=\"_ _0\"></span>erest Rate Swaps, Devisentermingesch\u00e4fte) erfolgt die<span class=\"_ _128\"> </span>Marktwertberechnun<span class=\"_ _0\"></span>g nach der Barwertmethode, wobei der Clean Price dargestellt wird. Als Basis f\u00fcr d<span class=\"_ _0\"></span>ie Berechnung kom-<span class=\"_ _128\"> </span>men die Zinskurven aus Refinit<span class=\"_ _0\"></span>y zur Anwendung. A<span class=\"_ _0\"></span>ls Devisenkurse werden die von d<span class=\"_ _0\"></span>er EZB ver\u00f6ffentlichten Referenzkurse<span class=\"_ _128\"> </span>verwendet. Die Marktwert<span class=\"_ _0\"></span>e von asymmetrischen Produkten werden gem\u00e4\u00df Opt<span class=\"_ _0\"></span>ionspreismodellen wie zum Beispiel von<span class=\"_ _128\"> </span>Black-Scholes, Hull &amp; White berechnet. <span class=\"_ _0\"></span>F\u00fcr die Bewertung von Op<span class=\"_ _0\"></span>tionen w<span class=\"_ _0\"></span>erden implizite Volatilit\u00e4ten herangezogen.<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-471": {
   "value": "<table class=\"s w2ec h189\" id=\"_285880f8-f142-42f2-9e68-ede16f17f72a\"><tr><td class=\"c x174 y120c w95 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">16) Handelsaktiva </div></td><td class=\"c x1e7 y120c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y120c w77 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y120d w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y120e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y120e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.933 </div></td><td class=\"c x1e8 y120e w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y120f w95 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1210 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1210 w81 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x1e8 y1210 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.617 </div></td></tr><tr><td class=\"c x174 y1211 w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte aus derivativen Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1212 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1212 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.184 </div></td><td class=\"c x1e8 y1212 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.768 </div></td></tr><tr><td class=\"c x174 y1213 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y1213 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">36.536 </div></td><td class=\"c x1e8 y1213 w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.995 </div></td></tr><tr><td class=\"c x174 y1214 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y1214 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1214 w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1215 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x1e7 y1215 w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td class=\"c x1e8 y1215 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr></table><table class=\"s w2d0 h1a8\" id=\"_65acca61-2c05-4237-b709-6acf3f556ac0\"><tr><td class=\"c x174 y1319 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">27) Sonstige Passiva (Anteil Handelspassiva)<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1319 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1319 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131a w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131a w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.769 </div></td><td class=\"c x1e8 y131a w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.122 </div></td></tr><tr><td class=\"c x174 y131b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y131b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.612 </div></td><td class=\"c x1e8 y131b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.417 </div></td></tr><tr><td class=\"c x174 y131c w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y131c w81 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y131c w75 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y131d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td class=\"c x1e7 y131d w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td class=\"c x1e8 y131d w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-480": {
   "value": "<table class=\"s w2ec h189\" id=\"_285880f8-f142-42f2-9e68-ede16f17f72a\"><tr><td class=\"c x174 y120c w95 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">16) Handelsaktiva </div></td><td class=\"c x1e7 y120c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y120c w77 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y120d w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y120e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y120e w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.933 </div></td><td class=\"c x1e8 y120e w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y120f w95 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1210 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1210 w81 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x1e8 y1210 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.617 </div></td></tr><tr><td class=\"c x174 y1211 w95 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte aus derivativen Finanzinstrumenten<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1212 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1212 w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.184 </div></td><td class=\"c x1e8 y1212 w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.768 </div></td></tr><tr><td class=\"c x174 y1213 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y1213 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">36.536 </div></td><td class=\"c x1e8 y1213 w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.995 </div></td></tr><tr><td class=\"c x174 y1214 w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y1214 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1214 w77 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1215 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td class=\"c x1e7 y1215 w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td class=\"c x1e8 y1215 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "<div class=\"gsa\"><table class=\"s w2ec h18a\" id=\"_d65e12e6-358f-4a22-a0be-2f4aa47c3f8f\"><tr><td class=\"c x174 y1216 w96 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">17) Finanzanlagen </div></td><td class=\"c x1e7 y1216 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1216 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1217 w96 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibungen und andere festverzinsliche Wert<span class=\"_ _0\"></span>papiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1218 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y1218 w91 hf\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.946.152 </div></td><td class=\"c x1e8 y1218 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.503.759 </div></td></tr><tr><td class=\"c x174 y1219 w96 h13\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6rsennotiert </div></td><td class=\"c x1e7 y1219 w91 h13\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">48.926 </div></td><td class=\"c x1e8 y1219 w82 h13\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.949 </div></td></tr><tr><td class=\"c x174 y121a w96 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht festverzinsliche Wertpapiere<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y121b w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x1e7 y121b w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.023 </div></td><td class=\"c x1e8 y121b w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.319 </div></td></tr><tr><td class=\"c x174 y121c w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6rsennotiert </div></td><td class=\"c x1e7 y121c w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">200.914 </div></td><td class=\"c x1e8 y121c w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">220.311 </div></td></tr><tr><td class=\"c x174 y121d w96 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungen / Anteile </div></td><td></td><td></td></tr><tr><td class=\"c x174 y121e w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An verbundenen Untern<span class=\"_ _0\"></span>ehmen </div></td><td class=\"c x1e7 y121e w91 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">88.089 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e8 y121e w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.003 </div></td></tr><tr><td class=\"c x174 y121f w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An at Equ<span class=\"_ _0\"></span>ity bewerteten Unternehmen </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1220 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten </div></td><td class=\"c x1e7 y1220 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">548.399 </div></td><td class=\"c x1e8 y1220 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.392 </div></td></tr><tr><td class=\"c x174 y1221 w96 he\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht-Kreditinstituten </div></td><td class=\"c x1e7 y1221 w91 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x1e8 y1221 w82 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr><tr><td class=\"c x174 y1222 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An sonstigen Beteiligungen </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1223 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten </div></td><td class=\"c x1e7 y1223 w91 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.694 </div></td><td class=\"c x1e8 y1223 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.695 </div></td></tr><tr><td class=\"c x174 y1224 w96 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht-Kreditinstituten </div></td><td class=\"c x1e7 y1224 w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">161.023 </div></td><td class=\"c x1e8 y1224 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.610 </div></td></tr><tr><td class=\"c x174 y1225 w96 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x1e7 y1225 w91 he\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e8 y1225 w82 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr><tr><td class=\"c x174 y1226 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">a) Finanzielle Verm\u00f6genswert<span class=\"_ _0\"></span>e FV/PL </div></td><td class=\"c x1e7 y1226 w91 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x1e8 y1226 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">481.966 </div></td></tr><tr><td class=\"c x174 y1227 w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">b) Finanzielle Verm\u00f6genswerte FV/OCI<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1227 w91 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x1e8 y1227 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">414.571 </div></td></tr><tr><td class=\"c x174 y1228 w96 hd\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon Eigenkapitalin<span class=\"_ _0\"></span>strumente </div></td><td class=\"c x1e7 y1228 w91 hd\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x1e8 y1228 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">373.483 </div></td></tr><tr><td class=\"c x174 y1229 w96 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">davon Fremdkapitalin<span class=\"_ _0\"></span>strumente </div></td><td class=\"c x1e7 y1229 w91 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">269.786 </div></td><td class=\"c x1e8 y1229 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.088 </div></td></tr><tr><td class=\"c x174 y122a w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">c) Finanzielle Verm\u00f6genswerte AC<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y122a w91 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x1e8 y122a w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.283.109 </div></td></tr><tr><td class=\"c x174 y122b w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">d) Anteile an at Equit<span class=\"_ _0\"></span>y-Unternehmen </div></td><td class=\"c x1e7 y122b w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.646 </div></td><td class=\"c x1e8 y122b w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td></tr><tr><td class=\"c x174 y122c w96 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x1e7 y122c w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td><td class=\"c x1e8 y122c w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr></table></div><table class=\"s w334 h1ae\" id=\"_acc3415c-b036-457f-8c08-ff5ab9b21a5f\"><tr><td class=\"c x239 y1352 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2022<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23a y1354 w335 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23b y1356 w336 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x23c y1356 w337 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Fremd-kapitalinstru-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x23d y1357 wc7 h89\"><div class=\"t m0 x11 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x23e y1357 wc8 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x23f y1357 wc9 h89\"><div class=\"t m0 x79 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x240 y1357 wca h89\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1357 wcb h89\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x242 y1358 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x243 y1358 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td class=\"c x244 y1357 wce h89\"><div class=\"t m0 xa6 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x245 y1357 wcf h89\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x246 y1357 wd0 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1359 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135a wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y135a wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1359 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y1359 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135b w33a h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135c wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x246 y135c wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135e wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td><td class=\"c x246 y135e wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.398<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y135f wc6 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x23d y1360 wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td class=\"c x23e y1360 wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y1360 wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y1360 wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y1360 wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y1360 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x246 y1360 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.192.911<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y135f wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x23e y135f wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y135f wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y135f wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y135f wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y135f wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td><td></td><td class=\"c x246 y135f wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.760.205<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1361 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y1362 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1362 wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1361 wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1361 wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1363 wc6 h8d\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y1364 wc7 h4e\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x23e y1364 wc8 h4e\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1364 wc9 h4e\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1364 wcb h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1364 wcc h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1364 wcd h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1364 wcf h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td class=\"c x246 y1364 wd0 h4e\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.653.467<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1365 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x23d y1363 wc7 h8b\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.342.212 </div></td><td class=\"c x23e y1363 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1363 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1363 wcb h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1363 wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1363 wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1366 wcf h4f\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x246 y1366 wd0 h4f\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.767<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1367 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1368 wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x246 y1368 wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">357.389<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1369 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y136a wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y136a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.812 </div></td><td class=\"c x246 y136a wd0 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">189.451<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1369 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y136b wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y136b wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136b wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136c wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y136c wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136c wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136d wc6 h8a\"><div class=\"t m0 x7 h23 y723 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y136e wc7 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.513.708<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136e wc8 h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136e wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136e wca h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136e wcb h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136e wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136e wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136e wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.425.977<span class=\"ls0\"> </span></div></td><td class=\"c x245 y136e wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.610.612<span class=\"ls0\"> </span></div></td><td class=\"c x246 y136e wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y136d wc7 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.378.327<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136d wc8 h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136d wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136d wca h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136d wcb h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136d wcc h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136d wcd h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136d wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.000.936<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y136f w33c h1b2\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kre-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1370 wc8 h8f\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1370 wc9 h8f\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1370 wce h8f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x246 y1370 wd0 h8f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1371 w33d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">ditinstituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1372 wc8 h8b\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1372 wc9 h8b\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1372 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td><td class=\"c x246 y1372 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.078.306<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1373 w33e h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1374 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1374 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1374 wce h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x246 y1374 wd0 h4f\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.061.355<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1375 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1376 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1376 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1376 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td><td class=\"c x246 y1376 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.046.650<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1377 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x23e y1378 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1378 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1378 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x246 y1378 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.407.017<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1377 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1377 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1377 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td><td class=\"c x246 y1377 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.148.744<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1379 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137a wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">319.622 </div></td><td class=\"c x246 y137a wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">319.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y137b wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y137c wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137c wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.874 </div></td><td class=\"c x246 y137c wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">534.806<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y137b wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y137d wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y137d wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137d wd0 h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137e wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y137e wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137e wd0 h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137f wc6 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x23e y1380 wc8 h8f\"><div class=\"t m0 x4f h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y1380 wc9 h8f\"><div class=\"t m0 x14 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1380 wce h8f\"><div class=\"t m0 x42 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x246 y1380 wd0 h8f\"><div class=\"t m0 x2b h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">479.712<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y137f wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y137f wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y137f wce h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td><td class=\"c x246 y137f wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">458.831<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1381 wc6 h8a\"><div class=\"t m0 x7 h20 y76e ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1382 wcf h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.546.920 </div></td><td class=\"c x246 y1382 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.546.920<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1383 wc6 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x23e y1383 wc8 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1383 wc9 h8b\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1383 wca h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1383 wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.194.489<span class=\"ls0\"> </span></div></td><td class=\"c x245 y1383 wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.166.415<span class=\"ls0\"> </span></div></td><td class=\"c x246 y1383 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1384 wc8 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1384 wc9 h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1384 wca h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1384 wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">20.530.202<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w340 h1b5\" id=\"_4408c659-2e0c-4a93-a6b7-ce9f48ed4cb7\"><tr><td class=\"c x239 y1385 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2021<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x249 y1386 w336 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x24a y1386 w341 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Fremd-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x24b y1387 wd2 h8c\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x24c y1387 wd3 h8c\"><div class=\"t m0 x8c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x24d y1387 wd4 h8c\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x24e y1387 wcf h8c\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1387 wcf h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x24f y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x250 y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x251 y1387 wd7 h8c\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x252 y1387 wd3 h8c\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x253 y1387 wd8 h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1389 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138a wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y138a wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y1389 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y1389 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138b w33a h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138c wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x253 y138c wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138e wd7 h8b\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td><td class=\"c x253 y138e wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">874.216<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y138f wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x24b y1390 wd2 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td class=\"c x24c y1390 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y1390 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y1390 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y1390 wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y1390 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x253 y1390 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.427.927<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y138f wd2 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x24c y138f wd3 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y138f wd4 h8b\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y138f wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y138f wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y138f wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td><td></td><td class=\"c x253 y138f wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.685.283<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1391 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y1392 wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1392 wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1391 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1391 wd8 h4f\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1393 wd1 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y1394 wd2 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td class=\"c x24c y1394 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1394 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1394 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1394 wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1394 wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1394 wd3 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td class=\"c x253 y1394 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.180.410<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1395 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x24b y1393 wd2 h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.307.671 </div></td><td class=\"c x24c y1393 wd3 h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1393 wd4 h4e\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1393 wcf h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1393 wd5 h4e\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1393 wd6 h4e\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1396 wd3 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x253 y1396 wd8 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.221<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1397 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y1398 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x253 y1398 wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">382.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1399 wd1 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y139a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y139a wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">131.467 </div></td><td class=\"c x253 y139a wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">233.626<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1399 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y139b wd1 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y139b wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139b wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139c wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y139c wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139c wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139d wd1 h8a\"><div class=\"t m0 x7 h23 y751 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y139e wd2 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.320.236<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139e wd3 h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139e wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139e wd5 h4f\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139e wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139e wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.592.529<span class=\"ls0\"> </span></div></td><td class=\"c x252 y139e wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.518.075<span class=\"ls0\"> </span></div></td><td class=\"c x253 y139e wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y139d wd2 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.346.453<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139d wd3 h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139d wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139d wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139d wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139d wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.848.885<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y139f w342 h1b7\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kredit-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a0 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a0 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a0 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x253 y13a0 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.893.338<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a1 w343 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">instituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a2 wd3 h8f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a2 wd4 h8f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a2 wd7 h8f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td><td class=\"c x253 y13a2 wd8 h8f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.829.476<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a3 w33e h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a4 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a4 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a4 wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x253 y13a4 wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.728.589<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a5 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a6 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a6 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a6 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td><td class=\"c x253 y13a6 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.740.368<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a7 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x24c y13a8 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a8 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a8 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x253 y13a8 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.206.647<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13a7 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a7 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a7 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td><td class=\"c x253 y13a7 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.227.883<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a9 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13aa wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">364.803 </div></td><td class=\"c x253 y13aa wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">364.803<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ab wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ac wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13ac wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">462.441 </div></td><td class=\"c x253 y13ac wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">532.058<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y13ab wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y13ad wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ad wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ad wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ae wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y13ae wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ae wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13af wd1 h8d\"><div class=\"t m0 x7 h20 y777 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x24c y13b0 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13b0 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13b0 wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x253 y13b0 wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">496.368<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13af wd3 h8f\"><div class=\"t m0 x13 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13af wd4 h8f\"><div class=\"t m0 x2e h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13af wd7 h8f\"><div class=\"t m0 x4d h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td><td class=\"c x253 y13af wd8 h8f\"><div class=\"t m0 x85 h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">505.276<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b1 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13b2 wd3 h4f\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.317.861 </div></td><td class=\"c x253 y13b2 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.317.861<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b3 wd1 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x24c y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b3 wd4 h4f\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b3 wcf h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b3 wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.788.972<span class=\"ls0\"> </span></div></td><td class=\"c x252 y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.145.105<span class=\"ls0\"> </span></div></td><td class=\"c x253 y13b3 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13b4 wd3 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b4 wd4 h8b\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b4 wcf h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b4 wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.767.033<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w344 h1b8\" id=\"_44922ec6-2ba3-40b7-ba33-225ba6f342a5\"><tr><td class=\"c x178 y13b6 w345 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13b7 w346 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13b8 w347 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13b8 w348 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13b9 w349 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13ba w34a h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13bb w34b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13bb w34c h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13bc w34d h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13bd wdb h92\"><div class=\"t m0 x3b h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td><td class=\"c x25c y13bd wde h92\"><div class=\"t m0 x59 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2022 </div></td><td class=\"c x25d y13bd wdf h92\"><div class=\"t m0 x15 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13bd wdd h92\"><div class=\"t m0 x36 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td></tr><tr><td class=\"c x1bc y13be wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13be wdb h2a\"><div class=\"t m0 xb1 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25c y13be wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">420<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13be wdf h2a\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25e y13be wdd h2a\"><div class=\"t m0 x34 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y13bf wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13bf wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.069 </div></td><td class=\"c x25c y13bf wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">63.395 </div></td><td class=\"c x25d y13bf wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td><td class=\"c x25e y13bf wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td></tr><tr><td class=\"c x1bc y13c0 wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13c0 wdb h12\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.207 </div></td><td class=\"c x25c y13c0 wde h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">101.856 </div></td><td class=\"c x25d y13c0 wdf h12\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td><td class=\"c x25e y13c0 wdd h12\"><div class=\"t m0 x9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td></tr><tr><td class=\"c x1bc y13c1 wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13c1 wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.080 </div></td><td class=\"c x25c y13c1 wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.171 </div></td><td class=\"c x25d y13c1 wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td><td class=\"c x25e y13c1 wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td></tr></table>Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es keine Umgliederungen des kumulierten Gewinn<span class=\"_ _0\"></span>s oder Verlusts innerhalb des Eigenkapitals. <span class=\"_ _1\"></span> <table class=\"s w344 h1ba\" id=\"_d0c76b1b-7115-44fe-b486-32ce8152a8f1\"><tr><td class=\"c x178 y13c2 w345 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c3 w346 h1bc\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13c4 w347 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13c4 w348 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13c5 w349 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c6 w34a h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13c7 w34b h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13c7 w34c h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13c8 w34d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13c9 wdb hc\"><div class=\"t m0 x3b h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td><td class=\"c x25c y13c9 wde hc\"><div class=\"t m0 x59 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2021 </div></td><td class=\"c x25d y13c9 wdf hc\"><div class=\"t m0 x15 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13c9 wdd hc\"><div class=\"t m0 x36 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td></tr><tr><td class=\"c x1bc y13ca wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13ca wdb h2a\"><div class=\"t m0 xc0 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">48</span> </div></td><td class=\"c x25c y13ca wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">587<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13ca wdf h2a\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td><td class=\"c x25e y13ca wdd h2a\"><div class=\"t m0 xd4 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y13cb wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13cb wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.082 </div></td><td class=\"c x25c y13cb wde h12\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">21.888 </div></td><td class=\"c x25d y13cb wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td><td class=\"c x25e y13cb wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td></tr><tr><td class=\"c x1bc y13cc wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13cc wdb hc\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.062 </div></td><td class=\"c x25c y13cc wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.466 </div></td><td class=\"c x25d y13cc wdf hc\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td><td class=\"c x25e y13cc wdd hc\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td></tr><tr><td class=\"c x1bc y13cd wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13cd wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.015 </div></td><td class=\"c x25c y13cd wde h12\"><div class=\"t m0 x2c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.084 </div></td><td class=\"c x25d y13cd wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td><td class=\"c x25e y13cd wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td></tr></table><table class=\"s w34e h1bd\" id=\"_fab075b1-d021-4a36-9e7c-62abc5e55e9f\"><tr><td class=\"c x178 y13cf w345 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13d1 w34f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13d2 w350 h1bc\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13d3 w351 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13d4 w352 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13d5 w353 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13d6 w354 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13d7 w355 h1af\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13d8 w339 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13d9 w356 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13da w357 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13dc w358 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13dd we0 h2a\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13dd we1 h2a\"><div class=\"t m0 x4a h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td class=\"c x26e y13dd we2 h2a\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13de we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13de we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td class=\"c x26e y13de we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13de w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">275<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13de w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table><div class=\"gsa\"><table class=\"s w34e h1c0\" id=\"_0eabd4bf-0fad-41f3-8d4c-525aed528ca5\"><tr><td class=\"c x178 y13e0 w345 h1c1\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13e1 w34f h1c2\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13e2 w350 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13e3 w351 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13e4 w352 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13e5 w353 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13e6 w354 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13e7 w355 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13e8 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13e9 w356 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13ea w357 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13ec w358 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13ed we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13ed we1 hc\"><div class=\"t m0 x37 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td class=\"c x26e y13ed we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13ee we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13ee we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td class=\"c x26e y13ee we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ee w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ee w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table></div><table class=\"s w35a h1c4\" id=\"_3bff9e47-9695-417c-95ea-759119813020\"><tr><td class=\"c x183 y13f6 w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y13f7 w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y13f8 we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y13f9 w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y13f8 we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y13fa we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y13fa we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y13fa wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y13fa w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y13fa w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y13fa wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y13fa wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y13fa wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y13fa wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y13fa wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y13fb w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fc wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fd we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y13fd wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td></td><td class=\"c x277 y13fd w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td></td><td class=\"c x279 y13fd wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">67.874<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y13fd wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">54.183 </div></td><td class=\"c x27b y13fd wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.691 </div></td></tr><tr><td class=\"c x1a7 y13fe we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y13fe w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td class=\"c x279 y13fe wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13fe wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.935 </div></td><td class=\"c x27a y13fe wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">46.720 </div></td><td></td></tr><tr><td class=\"c x1a7 y13ff we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y13ff wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y13ff wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">489.243<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13ff wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">255.170 </div></td><td class=\"c x27a y13ff wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.074 </div></td><td></td></tr><tr><td class=\"c x1a7 y1400 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1400 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td></td><td></td><td class=\"c x279 y1400 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">594.456<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1400 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">326.928 </div></td><td class=\"c x27a y1400 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.122 </div></td><td class=\"c x27b y1400 wef hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">263.405<span class=\"_ _128\"> </span></div><div class=\"t m0 x14 h15 y18f ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1401 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1401 w98 hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1401 wec hd\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1401 wee hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1aa y1402 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1403 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1404 w98 h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1404 wec h44\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1404 wee h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1a7 y1405 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1406 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1406 web he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x279 y1406 wec he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1406 wee he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td></tr><tr><td class=\"c x1a7 y1407 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y1407 we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td></td><td></td><td></td><td class=\"c x27d y1407 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x279 y1407 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.125.037<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1407 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x27b y1407 wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td></tr><tr><td class=\"c x1a7 y1408 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y1408 we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1408 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.470.122<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1408 wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.299.389 </div></td><td class=\"c x27a y1408 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">42.823 </div></td><td></td></tr><tr><td class=\"c x1a7 y1409 wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140b we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y140b wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140b wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">284.307<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140b wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td></tr><tr><td class=\"c x1a7 y140c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y140c wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140c wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">640.406<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140c wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td></tr><tr><td class=\"c x1a7 y140d we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y140d w98 he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td><td></td><td></td><td class=\"c x279 y140d wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.931<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140d wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td></tr><tr><td class=\"c x1aa y140e w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y140f w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1410 w98 h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td class=\"c x279 y1410 wec h28\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">184.551<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1410 wee h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td></tr><tr><td class=\"c x1a7 y1411 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1411 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1411 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">277.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1411 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td></tr><tr><td class=\"c x1a7 y1412 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1413 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1413 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x279 y1413 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1413 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td></tr><tr><td class=\"c x1a7 y1414 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1414 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x279 y1414 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.777.048<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1414 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td></tr><tr><td class=\"c x1a7 y1415 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1415 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x279 y1415 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.766.610<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1415 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td></tr><tr><td class=\"c x1a7 y1416 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1417 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1417 web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x279 y1417 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">202.096<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1417 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td></tr><tr><td class=\"c x178 y1418 w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1419 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w35a h1c6\" id=\"_85c30aae-8563-4bac-b922-b12bc27f00f9\"><tr><td class=\"c x183 y141a w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y141b w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y141c we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y141d w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y141c we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y141e we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y141e we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y141e wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y141e w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y141e w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y141e wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y141e wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y141e wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y141e wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y141e wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y141f w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1420 wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1421 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y1421 wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td></td><td class=\"c x277 y1421 w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td></td><td class=\"c x279 y1421 wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">72.747<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1421 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.234 </div></td><td class=\"c x27b y1421 wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x1a7 y1422 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y1422 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td class=\"c x279 y1422 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1422 wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.614 </div></td><td class=\"c x27a y1422 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.766 </div></td><td></td></tr><tr><td class=\"c x1a7 y1423 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y1423 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1423 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">481.966<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1423 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">239.512 </div></td><td class=\"c x27a y1423 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">242.454 </div></td><td></td></tr><tr><td class=\"c x1a7 y1424 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1424 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td></td><td></td><td class=\"c x279 y1424 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">414.571<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1424 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">168.541 </div></td><td class=\"c x27a y1424 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.096 </div></td><td class=\"c x27b y1424 wef hf\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">241.933</div><div class=\"t m0 x2c h15 y18f ff4 fs5 fc2 sc0 ls0 ws0\"> <span class=\"ls16\">1)</span></div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1425 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1425 w98 hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1425 wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1425 wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1aa y1426 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1427 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1428 w98 h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1428 wec h44\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1428 wee h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1a7 y1429 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142a we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y142a web he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x279 y142a wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142a wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td></tr><tr><td class=\"c x1a7 y142b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y142b we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td></td><td></td><td></td><td class=\"c x27d y142b web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x279 y142b wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.355.180<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142b wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x27b y142b wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td></tr><tr><td class=\"c x1a7 y142c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y142c we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142c wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.283.109<span class=\"ls0\"> </span></div></td><td class=\"c x275 y142c wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.251.320 </div></td><td class=\"c x27a y142c wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.351 </div></td><td></td></tr><tr><td class=\"c x1a7 y142d wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142e we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td class=\"c x18e y142e wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142e wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">25.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142e wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td></tr><tr><td class=\"c x1a7 y142f we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y142f wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142f wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">394.972<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142f wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td></tr><tr><td class=\"c x1a7 y1430 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y1430 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1430 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">768.809<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1430 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td></tr><tr><td class=\"c x1a7 y1431 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y1431 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td><td></td><td></td><td class=\"c x279 y1431 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1431 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td></tr><tr><td class=\"c x1aa y1432 w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1433 w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1434 w98 h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td class=\"c x279 y1434 wec h28\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1434 wee h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td></tr><tr><td class=\"c x1a7 y1435 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1435 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1435 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">346.572<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1435 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td></tr><tr><td class=\"c x1a7 y1436 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1437 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1437 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x279 y1437 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.867.720<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1437 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td></tr><tr><td class=\"c x1a7 y1438 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1438 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x279 y1438 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.333.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1438 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td></tr><tr><td class=\"c x1a7 y1439 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1439 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x279 y1439 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.437.838<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1439 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td></tr><tr><td class=\"c x1a7 y143a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y143b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y143b web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x279 y143b wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">149.797<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y143b wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td></tr><tr><td class=\"c x178 y143c w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-472": {
   "value": "<div class=\"c w3 h3 gs153\"><div class=\"t m0 x3 h5 y62d ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y62e ff4 fs2 fc2 sc0 ls0 ws0\">Die Finanzinvestition<span class=\"_ _0\"></span>en in Eigenkapitalinstrumente, die erfolgsneutral zum beizulegenden Zeitwert<span class=\"_ _0\"></span> im sonstigen Ergebnis<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y62f ff4 fs2 fc2 sc0 ls0 ws0\">bewertet werden, umfassen<span class=\"_ _0\"></span> alle Wertpapiere, Beteiligungen und<span class=\"_ _0\"></span> Anteile an verbundenen Unternehmen, welche nicht<span class=\"_ _0\"></span> zum<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y1a3 ff4 fs2 fc2 sc0 ls0 ws0\">Marktwert gesteuert werden. </div><div class=\"t m0 x3 h5 y1a4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs154\"><table class=\"s w2f0 h18b\" id=\"_3abb5e1f-247e-4ae5-abf8-db33eaf65093\"><tr><td class=\"c x1bc y122d w97 h12\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x208 y122d w18 h12\" colspan=\"2\"><div class=\"t m0 x88 h5 y87 ff4 fs2 fc2 sc0 ls1 ws0\">                               <span class=\"ls0\">e<span class=\"_ _5\"></span>rfasste Dividenden aus Instrumenten<span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x178 y122e w2f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrumente FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x209 y122f w2f2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">beizulegender<span class=\"_ _128\"> </span></div></td><td class=\"c x20a y122f w2f3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">die im Gesch\u00e4ftsjahr au<span class=\"_ _0\"></span>sge-<span class=\"_ _128\"> </span></div></td><td class=\"c x20b y122f w2f4 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">die am Abschlussstichtag ge-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1230 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x20c y1231 w2f6 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x20d y1231 w2f7 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">bucht wurden<span class=\"_ _128\"> </span></div></td><td class=\"c x20e y1231 w2f8 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">halten werden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1bc y1232 w99 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere </div></td><td class=\"c x20f y1232 w9a h12\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.265 </div></td><td class=\"c x208 y1232 w9b h12\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1232 w9c h12\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.997 </div></td></tr><tr><td class=\"c x1bc y1233 w99 h2a\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x20f y1233 w9a h2a\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.775 </div></td><td class=\"c x208 y1233 w9b h2a\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1233 w9c h2a\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.975 </div></td></tr><tr><td class=\"c x1bc y1234 w99 hc\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen </div></td><td class=\"c x20f y1234 w9a hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">85.630 </div></td><td class=\"c x208 y1234 w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1234 w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.488 </div></td></tr><tr><td></td><td class=\"c x20f y1235 w9a hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x208 y1235 w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y1235 w9c hc\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.460 </div></td></tr></table></div><div class=\"c w3 h3 gs153\"><div class=\"t m0 x3 h5 y637 ff4 fs2 fc2 sc0 ls0 ws0\">Die finanziellen Verm\u00f6genswerte in Eigenkap<span class=\"_ _0\"></span>italinstrumente betreffen insbesond<span class=\"_ _0\"></span>ere nicht konsolidierte Beteiligungen und<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y638 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen, siehe Note 41), sowie Investment<span class=\"_ _0\"></span>s an der Lenzing AG, Energie AG Ober\u00f6sterreich,<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y639 ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreichische Kontr<span class=\"_ _0\"></span>ollbank AG und Linz Textil AG.  <span class=\"_ _7\"> </span> </div></div>Im Gesch\u00e4ftsjahr 2022 w<span class=\"_ _0\"></span>urde kein Eigenkapitalinstrument liquidiert. Im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr erfolgten keine Umgliederungen in-<span class=\"_ _128\"> </span>nerhalb des Eigenkapitals. <span class=\"_ _0\"></span>Im Vorjahr wurde ein Finanzinstrument liqu<span class=\"_ _0\"></span>idiert, welches zum Zeitpunkt des A<span class=\"_ _1\"></span>bgangs einen bei-<span class=\"_ _128\"> </span>zulegenden Zeitwert von 16,3 Tsd. <span class=\"_ _0\"></span>Euro hatte und ein Eigenkapitalinstrument<span class=\"_ _0\"></span> mit einem beizulegenden Zeitwert v<span class=\"_ _0\"></span>on 2.336,1<span class=\"_ _128\"> </span>Tsd. Euro teilweise ver\u00e4u\u00dfert<span class=\"_ _0\"></span>. Der kumulierte Gewinn aus der Liquidation b<span class=\"_ _0\"></span>etrug 0,0 Tsd. Euro.<span class=\"_ _0\"></span> <table class=\"s w2f9 h18c\" id=\"_3062f7c7-870e-4134-bc7f-6e1eef5d966a\"><tr><td class=\"c x1bc y1236 w97 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td></td><td class=\"c x208 y1236 w18 hc\" colspan=\"2\"><div class=\"t m0 x88 h5 y87 ff4 fs2 fc2 sc0 ls1 ws0\">                               <span class=\"ls0\">e<span class=\"_ _5\"></span>rfasste Dividenden aus Instrumenten<span class=\"_ _0\"></span> </span></div></td></tr><tr><td class=\"c x178 y1237 w2f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Eigenkapitalinstrumente FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x211 y1238 w2f2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">beizulegender<span class=\"_ _128\"> </span></div></td><td class=\"c x20a y1238 w2f3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">die im Gesch\u00e4ftsjahr au<span class=\"_ _0\"></span>sge-<span class=\"_ _128\"> </span></div></td><td class=\"c x20b y1238 w2f4 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">die am Abschlussstichtag ge-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1239 w2f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x212 y123a w2f6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Zeitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x20d y123a w2f7 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">bucht wurden<span class=\"_ _128\"> </span></div></td><td class=\"c x20e y123a w2f8 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">halten werden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1bc y123b w9e hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere </div></td><td class=\"c x213 y123b w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.550 </div></td><td class=\"c x208 y123b w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123b w9c hc\"><div class=\"t m0 xac h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">153<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y123c w9e hc\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x213 y123c w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">161.267 </div></td><td class=\"c x208 y123c w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123c w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448 </div></td></tr><tr><td class=\"c x1bc y123d w9e hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbund<span class=\"_ _0\"></span>enen Unternehmen </div></td><td class=\"c x213 y123d w9f hc\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.666 </div></td><td class=\"c x208 y123d w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123d w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.943 </div></td></tr><tr><td></td><td class=\"c x213 y123e w9f hc\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x208 y123e w9b hc\"><div class=\"t m0 xa9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x210 y123e w9c hc\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.544 </div></td></tr></table><table class=\"s w334 h1ae\" id=\"_acc3415c-b036-457f-8c08-ff5ab9b21a5f\"><tr><td class=\"c x239 y1352 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2022<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23a y1354 w335 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23b y1356 w336 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x23c y1356 w337 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Fremd-kapitalinstru-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x23d y1357 wc7 h89\"><div class=\"t m0 x11 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x23e y1357 wc8 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x23f y1357 wc9 h89\"><div class=\"t m0 x79 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x240 y1357 wca h89\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1357 wcb h89\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x242 y1358 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x243 y1358 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td class=\"c x244 y1357 wce h89\"><div class=\"t m0 xa6 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x245 y1357 wcf h89\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x246 y1357 wd0 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1359 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135a wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y135a wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1359 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y1359 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135b w33a h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135c wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x246 y135c wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135e wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td><td class=\"c x246 y135e wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.398<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y135f wc6 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x23d y1360 wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td class=\"c x23e y1360 wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y1360 wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y1360 wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y1360 wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y1360 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x246 y1360 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.192.911<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y135f wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x23e y135f wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y135f wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y135f wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y135f wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y135f wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td><td></td><td class=\"c x246 y135f wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.760.205<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1361 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y1362 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1362 wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1361 wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1361 wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1363 wc6 h8d\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y1364 wc7 h4e\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x23e y1364 wc8 h4e\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1364 wc9 h4e\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1364 wcb h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1364 wcc h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1364 wcd h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1364 wcf h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td class=\"c x246 y1364 wd0 h4e\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.653.467<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1365 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x23d y1363 wc7 h8b\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.342.212 </div></td><td class=\"c x23e y1363 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1363 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1363 wcb h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1363 wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1363 wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1366 wcf h4f\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x246 y1366 wd0 h4f\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.767<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1367 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1368 wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x246 y1368 wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">357.389<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1369 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y136a wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y136a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.812 </div></td><td class=\"c x246 y136a wd0 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">189.451<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1369 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y136b wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y136b wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136b wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136c wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y136c wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136c wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136d wc6 h8a\"><div class=\"t m0 x7 h23 y723 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y136e wc7 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.513.708<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136e wc8 h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136e wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136e wca h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136e wcb h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136e wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136e wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136e wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.425.977<span class=\"ls0\"> </span></div></td><td class=\"c x245 y136e wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.610.612<span class=\"ls0\"> </span></div></td><td class=\"c x246 y136e wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y136d wc7 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.378.327<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136d wc8 h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136d wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136d wca h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136d wcb h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136d wcc h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136d wcd h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136d wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.000.936<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y136f w33c h1b2\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kre-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1370 wc8 h8f\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1370 wc9 h8f\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1370 wce h8f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x246 y1370 wd0 h8f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1371 w33d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">ditinstituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1372 wc8 h8b\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1372 wc9 h8b\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1372 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td><td class=\"c x246 y1372 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.078.306<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1373 w33e h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1374 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1374 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1374 wce h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x246 y1374 wd0 h4f\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.061.355<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1375 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1376 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1376 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1376 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td><td class=\"c x246 y1376 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.046.650<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1377 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x23e y1378 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1378 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1378 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x246 y1378 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.407.017<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1377 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1377 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1377 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td><td class=\"c x246 y1377 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.148.744<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1379 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137a wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">319.622 </div></td><td class=\"c x246 y137a wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">319.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y137b wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y137c wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137c wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.874 </div></td><td class=\"c x246 y137c wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">534.806<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y137b wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y137d wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y137d wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137d wd0 h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137e wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y137e wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137e wd0 h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137f wc6 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x23e y1380 wc8 h8f\"><div class=\"t m0 x4f h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y1380 wc9 h8f\"><div class=\"t m0 x14 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1380 wce h8f\"><div class=\"t m0 x42 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x246 y1380 wd0 h8f\"><div class=\"t m0 x2b h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">479.712<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y137f wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y137f wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y137f wce h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td><td class=\"c x246 y137f wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">458.831<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1381 wc6 h8a\"><div class=\"t m0 x7 h20 y76e ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1382 wcf h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.546.920 </div></td><td class=\"c x246 y1382 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.546.920<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1383 wc6 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x23e y1383 wc8 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1383 wc9 h8b\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1383 wca h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1383 wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.194.489<span class=\"ls0\"> </span></div></td><td class=\"c x245 y1383 wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.166.415<span class=\"ls0\"> </span></div></td><td class=\"c x246 y1383 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1384 wc8 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1384 wc9 h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1384 wca h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1384 wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">20.530.202<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w340 h1b5\" id=\"_4408c659-2e0c-4a93-a6b7-ce9f48ed4cb7\"><tr><td class=\"c x239 y1385 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2021<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x249 y1386 w336 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x24a y1386 w341 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Fremd-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x24b y1387 wd2 h8c\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x24c y1387 wd3 h8c\"><div class=\"t m0 x8c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x24d y1387 wd4 h8c\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x24e y1387 wcf h8c\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1387 wcf h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x24f y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x250 y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x251 y1387 wd7 h8c\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x252 y1387 wd3 h8c\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x253 y1387 wd8 h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1389 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138a wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y138a wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y1389 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y1389 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138b w33a h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138c wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x253 y138c wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138e wd7 h8b\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td><td class=\"c x253 y138e wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">874.216<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y138f wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x24b y1390 wd2 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td class=\"c x24c y1390 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y1390 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y1390 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y1390 wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y1390 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x253 y1390 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.427.927<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y138f wd2 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x24c y138f wd3 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y138f wd4 h8b\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y138f wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y138f wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y138f wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td><td></td><td class=\"c x253 y138f wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.685.283<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1391 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y1392 wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1392 wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1391 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1391 wd8 h4f\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1393 wd1 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y1394 wd2 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td class=\"c x24c y1394 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1394 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1394 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1394 wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1394 wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1394 wd3 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td class=\"c x253 y1394 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.180.410<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1395 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x24b y1393 wd2 h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.307.671 </div></td><td class=\"c x24c y1393 wd3 h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1393 wd4 h4e\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1393 wcf h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1393 wd5 h4e\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1393 wd6 h4e\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1396 wd3 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x253 y1396 wd8 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.221<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1397 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y1398 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x253 y1398 wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">382.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1399 wd1 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y139a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y139a wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">131.467 </div></td><td class=\"c x253 y139a wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">233.626<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1399 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y139b wd1 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y139b wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139b wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139c wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y139c wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139c wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139d wd1 h8a\"><div class=\"t m0 x7 h23 y751 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y139e wd2 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.320.236<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139e wd3 h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139e wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139e wd5 h4f\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139e wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139e wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.592.529<span class=\"ls0\"> </span></div></td><td class=\"c x252 y139e wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.518.075<span class=\"ls0\"> </span></div></td><td class=\"c x253 y139e wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y139d wd2 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.346.453<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139d wd3 h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139d wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139d wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139d wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139d wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.848.885<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y139f w342 h1b7\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kredit-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a0 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a0 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a0 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x253 y13a0 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.893.338<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a1 w343 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">instituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a2 wd3 h8f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a2 wd4 h8f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a2 wd7 h8f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td><td class=\"c x253 y13a2 wd8 h8f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.829.476<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a3 w33e h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a4 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a4 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a4 wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x253 y13a4 wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.728.589<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a5 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a6 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a6 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a6 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td><td class=\"c x253 y13a6 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.740.368<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a7 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x24c y13a8 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a8 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a8 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x253 y13a8 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.206.647<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13a7 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a7 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a7 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td><td class=\"c x253 y13a7 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.227.883<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a9 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13aa wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">364.803 </div></td><td class=\"c x253 y13aa wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">364.803<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ab wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ac wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13ac wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">462.441 </div></td><td class=\"c x253 y13ac wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">532.058<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y13ab wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y13ad wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ad wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ad wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ae wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y13ae wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ae wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13af wd1 h8d\"><div class=\"t m0 x7 h20 y777 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x24c y13b0 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13b0 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13b0 wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x253 y13b0 wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">496.368<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13af wd3 h8f\"><div class=\"t m0 x13 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13af wd4 h8f\"><div class=\"t m0 x2e h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13af wd7 h8f\"><div class=\"t m0 x4d h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td><td class=\"c x253 y13af wd8 h8f\"><div class=\"t m0 x85 h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">505.276<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b1 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13b2 wd3 h4f\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.317.861 </div></td><td class=\"c x253 y13b2 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.317.861<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b3 wd1 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x24c y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b3 wd4 h4f\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b3 wcf h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b3 wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.788.972<span class=\"ls0\"> </span></div></td><td class=\"c x252 y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.145.105<span class=\"ls0\"> </span></div></td><td class=\"c x253 y13b3 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13b4 wd3 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b4 wd4 h8b\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b4 wcf h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b4 wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.767.033<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w344 h1b8\" id=\"_44922ec6-2ba3-40b7-ba33-225ba6f342a5\"><tr><td class=\"c x178 y13b6 w345 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13b7 w346 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13b8 w347 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13b8 w348 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13b9 w349 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13ba w34a h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13bb w34b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13bb w34c h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13bc w34d h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13bd wdb h92\"><div class=\"t m0 x3b h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td><td class=\"c x25c y13bd wde h92\"><div class=\"t m0 x59 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2022 </div></td><td class=\"c x25d y13bd wdf h92\"><div class=\"t m0 x15 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13bd wdd h92\"><div class=\"t m0 x36 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td></tr><tr><td class=\"c x1bc y13be wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13be wdb h2a\"><div class=\"t m0 xb1 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25c y13be wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">420<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13be wdf h2a\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25e y13be wdd h2a\"><div class=\"t m0 x34 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y13bf wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13bf wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.069 </div></td><td class=\"c x25c y13bf wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">63.395 </div></td><td class=\"c x25d y13bf wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td><td class=\"c x25e y13bf wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td></tr><tr><td class=\"c x1bc y13c0 wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13c0 wdb h12\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.207 </div></td><td class=\"c x25c y13c0 wde h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">101.856 </div></td><td class=\"c x25d y13c0 wdf h12\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td><td class=\"c x25e y13c0 wdd h12\"><div class=\"t m0 x9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td></tr><tr><td class=\"c x1bc y13c1 wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13c1 wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.080 </div></td><td class=\"c x25c y13c1 wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.171 </div></td><td class=\"c x25d y13c1 wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td><td class=\"c x25e y13c1 wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td></tr></table>Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es keine Umgliederungen des kumulierten Gewinn<span class=\"_ _0\"></span>s oder Verlusts innerhalb des Eigenkapitals. <span class=\"_ _1\"></span> <table class=\"s w344 h1ba\" id=\"_d0c76b1b-7115-44fe-b486-32ce8152a8f1\"><tr><td class=\"c x178 y13c2 w345 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c3 w346 h1bc\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13c4 w347 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13c4 w348 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13c5 w349 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c6 w34a h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13c7 w34b h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13c7 w34c h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13c8 w34d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13c9 wdb hc\"><div class=\"t m0 x3b h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td><td class=\"c x25c y13c9 wde hc\"><div class=\"t m0 x59 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2021 </div></td><td class=\"c x25d y13c9 wdf hc\"><div class=\"t m0 x15 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13c9 wdd hc\"><div class=\"t m0 x36 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td></tr><tr><td class=\"c x1bc y13ca wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13ca wdb h2a\"><div class=\"t m0 xc0 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">48</span> </div></td><td class=\"c x25c y13ca wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">587<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13ca wdf h2a\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td><td class=\"c x25e y13ca wdd h2a\"><div class=\"t m0 xd4 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y13cb wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13cb wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.082 </div></td><td class=\"c x25c y13cb wde h12\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">21.888 </div></td><td class=\"c x25d y13cb wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td><td class=\"c x25e y13cb wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td></tr><tr><td class=\"c x1bc y13cc wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13cc wdb hc\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.062 </div></td><td class=\"c x25c y13cc wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.466 </div></td><td class=\"c x25d y13cc wdf hc\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td><td class=\"c x25e y13cc wdd hc\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td></tr><tr><td class=\"c x1bc y13cd wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13cd wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.015 </div></td><td class=\"c x25c y13cd wde h12\"><div class=\"t m0 x2c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.084 </div></td><td class=\"c x25d y13cd wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td><td class=\"c x25e y13cd wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td></tr></table><table class=\"s w34e h1bd\" id=\"_fab075b1-d021-4a36-9e7c-62abc5e55e9f\"><tr><td class=\"c x178 y13cf w345 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13d1 w34f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13d2 w350 h1bc\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13d3 w351 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13d4 w352 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13d5 w353 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13d6 w354 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13d7 w355 h1af\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13d8 w339 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13d9 w356 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13da w357 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13dc w358 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13dd we0 h2a\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13dd we1 h2a\"><div class=\"t m0 x4a h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td class=\"c x26e y13dd we2 h2a\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13de we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13de we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td class=\"c x26e y13de we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13de w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">275<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13de w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table><table class=\"s w34e h1c0\" id=\"_0eabd4bf-0fad-41f3-8d4c-525aed528ca5\"><tr><td class=\"c x178 y13e0 w345 h1c1\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13e1 w34f h1c2\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13e2 w350 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13e3 w351 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13e4 w352 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13e5 w353 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13e6 w354 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13e7 w355 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13e8 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13e9 w356 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13ea w357 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13ec w358 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13ed we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13ed we1 hc\"><div class=\"t m0 x37 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td class=\"c x26e y13ed we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13ee we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13ee we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td class=\"c x26e y13ee we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ee w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ee w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table><table class=\"s w35a h1c4\" id=\"_3bff9e47-9695-417c-95ea-759119813020\"><tr><td class=\"c x183 y13f6 w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y13f7 w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y13f8 we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y13f9 w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y13f8 we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y13fa we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y13fa we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y13fa wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y13fa w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y13fa w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y13fa wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y13fa wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y13fa wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y13fa wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y13fa wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y13fb w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fc wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y13fd we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y13fd wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td></td><td class=\"c x277 y13fd w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td></td><td class=\"c x279 y13fd wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">67.874<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y13fd wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">54.183 </div></td><td class=\"c x27b y13fd wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.691 </div></td></tr><tr><td class=\"c x1a7 y13fe we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y13fe w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td class=\"c x279 y13fe wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13fe wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.935 </div></td><td class=\"c x27a y13fe wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">46.720 </div></td><td></td></tr><tr><td class=\"c x1a7 y13ff we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y13ff wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y13ff wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">489.243<span class=\"ls0\"> </span></div></td><td class=\"c x275 y13ff wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">255.170 </div></td><td class=\"c x27a y13ff wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.074 </div></td><td></td></tr><tr><td class=\"c x1a7 y1400 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1400 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td></td><td></td><td class=\"c x279 y1400 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">594.456<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1400 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">326.928 </div></td><td class=\"c x27a y1400 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.122 </div></td><td class=\"c x27b y1400 wef hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">263.405<span class=\"_ _128\"> </span></div><div class=\"t m0 x14 h15 y18f ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1401 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1401 w98 hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1401 wec hd\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1401 wee hd\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1aa y1402 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1403 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1404 w98 h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td class=\"c x279 y1404 wec h44\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1404 wee h44\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td></tr><tr><td class=\"c x1a7 y1405 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1406 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1406 web he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x279 y1406 wec he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1406 wee he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td></tr><tr><td class=\"c x1a7 y1407 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y1407 we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td></td><td></td><td></td><td class=\"c x27d y1407 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x279 y1407 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.125.037<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1407 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x27b y1407 wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td></tr><tr><td class=\"c x1a7 y1408 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y1408 we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1408 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.470.122<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1408 wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.299.389 </div></td><td class=\"c x27a y1408 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">42.823 </div></td><td></td></tr><tr><td class=\"c x1a7 y1409 wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y140b we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y140b wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140b wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">284.307<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140b wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td></tr><tr><td class=\"c x1a7 y140c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y140c wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y140c wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">640.406<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140c wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td></tr><tr><td class=\"c x1a7 y140d we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y140d w98 he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td><td></td><td></td><td class=\"c x279 y140d wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.931<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y140d wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.931 </div></td><td></td></tr><tr><td class=\"c x1aa y140e w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y140f w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1410 w98 h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td class=\"c x279 y1410 wec h28\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">184.551<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1410 wee h28\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td></tr><tr><td class=\"c x1a7 y1411 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1411 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1411 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">277.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1411 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td></tr><tr><td class=\"c x1a7 y1412 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1413 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1413 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x279 y1413 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1413 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td></tr><tr><td class=\"c x1a7 y1414 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1414 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x279 y1414 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.777.048<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1414 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td></tr><tr><td class=\"c x1a7 y1415 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1415 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x279 y1415 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.766.610<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1415 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td></tr><tr><td class=\"c x1a7 y1416 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1417 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1417 web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x279 y1417 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">202.096<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1417 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td></tr><tr><td class=\"c x178 y1418 w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1419 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w35a h1c6\" id=\"_85c30aae-8563-4bac-b922-b12bc27f00f9\"><tr><td class=\"c x183 y141a w35b h1c5\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Fair-Value-Hierarchie bei Finanzin-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x183 y141b w35c h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">strumenten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x273 y141c we7 h8a\"><div class=\"t m0 x1d h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Buchwert </div></td><td class=\"c x274 y141d w35d h1b6\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">AC /<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x275 y141c we8 h8a\"><div class=\"t m0 x30 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Fair Value </div></td><td></td></tr><tr><td class=\"c x1a7 y141e we6 h8c\"><div class=\"t m0 x7 h23 y77f ffb fs8 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x273 y141e we9 h8c\"><div class=\"t m0 x2c h20 y77f ff4 fs8 fc2 sc0 ls25 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x18e y141e wea h8c\"><div class=\"t m0 x5b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x276 y141e w98 h8c\"><div class=\"t m0 x4d h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x277 y141e w98 h8c\"><div class=\"t m0 x2b h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td></td><td class=\"c x278 y141e wec h8c\"><div class=\"t m0 x5a h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x279 y141e wec h8c\"><div class=\"t m0 x8c h23 y77f ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x275 y141e wed h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 1 </div></td><td class=\"c x27a y141e wee h8c\"><div class=\"t m0 x60 h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 2 </div></td><td class=\"c x27b y141e wef h8c\"><div class=\"t m0 x8c h20 y77f ff4 fs8 fc2 sc0 ls0 ws0\">Level 3 </div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x27c y141f w35e h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Liabilities<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1420 wf0 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete Finanzin<span class=\"_ _5\"></span>strumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1421 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td></td><td class=\"c x18e y1421 wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td></td><td class=\"c x277 y1421 w98 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td></td><td class=\"c x279 y1421 wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">72.747<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1421 wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.234 </div></td><td class=\"c x27b y1421 wef hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x1a7 y1422 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x276 y1422 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td class=\"c x279 y1422 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1422 wed he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.614 </div></td><td class=\"c x27a y1422 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.766 </div></td><td></td></tr><tr><td class=\"c x1a7 y1423 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL </div></td><td></td><td class=\"c x18e y1423 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1423 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">481.966<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1423 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">239.512 </div></td><td class=\"c x27a y1423 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">242.454 </div></td><td></td></tr><tr><td class=\"c x1a7 y1424 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/OCI </div></td><td></td><td></td><td></td><td class=\"c x277 y1424 w98 hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td></td><td></td><td class=\"c x279 y1424 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">414.571<span class=\"ls0\"> </span></div></td><td class=\"c x275 y1424 wed hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">168.541 </div></td><td class=\"c x27a y1424 wee hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.096 </div></td><td class=\"c x27b y1424 wef hf\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">241.933</div><div class=\"t m0 x2c h15 y18f ff4 fs5 fc2 sc0 ls0 ws0\"> <span class=\"ls16\">1)</span></div><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x1a7 y1425 we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td></td><td></td><td class=\"c x276 y1425 w98 hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1425 wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1425 wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1aa y1426 w35f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1427 w360 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1428 w98 h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td class=\"c x279 y1428 wec h44\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1428 wee h44\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td></tr><tr><td class=\"c x1a7 y1429 wf1 hf\"><div class=\"t m0 x7 h20 ydb ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete Finanzinstrumente </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142a we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y142a web he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x279 y142a wec he\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142a wee he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td></tr><tr><td class=\"c x1a7 y142b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x273 y142b we9 hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td></td><td></td><td></td><td class=\"c x27d y142b web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x279 y142b wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.355.180<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142b wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x27b y142b wef hf\"><div class=\"t m0 x5c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td></tr><tr><td class=\"c x1a7 y142c we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte AC </div></td><td class=\"c x273 y142c we9 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142c wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.283.109<span class=\"ls0\"> </span></div></td><td class=\"c x275 y142c wed hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.251.320 </div></td><td class=\"c x27a y142c wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.351 </div></td><td></td></tr><tr><td class=\"c x1a7 y142d wf1 he\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y142e we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td class=\"c x18e y142e wea hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142e wec hf\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">25.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142e wee hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td></tr><tr><td class=\"c x1a7 y142f we6 hd\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td class=\"c x18e y142f wea hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y142f wec hd\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">394.972<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y142f wee hd\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td></tr><tr><td class=\"c x1a7 y1430 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x18e y1430 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1430 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">768.809<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1430 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td></tr><tr><td class=\"c x1a7 y1431 we6 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td class=\"c x276 y1431 w98 he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td><td></td><td></td><td class=\"c x279 y1431 wec he\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.616<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1431 wee he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.616 </div></td><td></td></tr><tr><td class=\"c x1aa y1432 w35f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene Derivate<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1aa y1433 w360 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">im Bankbuch<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x276 y1434 w98 h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td class=\"c x279 y1434 wec h28\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1434 wee h28\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td></tr><tr><td class=\"c x1a7 y1435 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td class=\"c x18e y1435 wea hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x279 y1435 wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">346.572<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1435 wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td></tr><tr><td class=\"c x1a7 y1436 wf1 hf\"><div class=\"t m0 x7 h20 y7f ff4 fs8 fc2 sc0 ls0 ws0\">Nicht mit dem Fair Value bewertete finanzielle<span class=\"_ _5\"></span> Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1437 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kreditinstituten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1437 web hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x279 y1437 wec hf\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.867.720<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1437 wee hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td></tr><tr><td class=\"c x1a7 y1438 we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichk. gg\u00fc. Kunden </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1438 web hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x279 y1438 wec hf\"><div class=\"t m0 x29 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.333.618<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1438 wee hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td></tr><tr><td class=\"c x1a7 y1439 we6 h13\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y1439 web h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x279 y1439 wec h13\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.437.838<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y1439 wee h13\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td></tr><tr><td class=\"c x1a7 y143a we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y143b we6 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td></td><td></td><td></td><td></td><td class=\"c x27d y143b web hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x279 y143b wec hf\"><div class=\"t m0 x47 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">149.797<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x27a y143b wee hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td></tr><tr><td class=\"c x178 y143c w361 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) Diese Posi<span class=\"_ _5\"></span>tion besteht<span class=\"_ _5\"></span> aus Beteiligungen, d<span class=\"_ _5\"></span>eren Mar<span class=\"_ _5\"></span>ktwert<span class=\"_ _5\"></span> mittels Discounted-Cashflow-Br<span class=\"_ _5\"></span>uttoverfah<span class=\"_ _5\"></span>ren bzw. als Mischv<span class=\"_ _5\"></span>erfahren (<span class=\"_ _5\"></span>Multiple-Verfahren in <span class=\"_ _5\"></span>Kombination <span class=\"_ _5\"></span>mit Discounte<span class=\"_ _5\"></span>d-Cashflow-Verfahren) o<span class=\"_ _5\"></span>der ander<span class=\"_ _5\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w362 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Methoden <span class=\"_ _5\"></span>der Unterne<span class=\"_ _5\"></span>hmensbewertung er<span class=\"_ _5\"></span>mittelt wur<span class=\"_ _5\"></span>de.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>Die Buch- und<span class=\"_ _0\"></span> beizulegenden Zeitwerte von Beteiligungspositionen zeigen folgendes Bild:<span class=\"_ _1\"></span> <table class=\"s w471 h217\" id=\"_16d7afef-0a6b-4362-8dd3-11caa5d447a8\"><tr><td class=\"c x174 y1792 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac</span><span class=\"ffb ls2\"><span class=\"_ _0\"></span></span> </div></td><td></td><td class=\"c x19d y1792 w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y1793 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewertungsart<span class=\"_ _0\"></span> </div></td><td class=\"c x19d y1793 w1aa hc\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y1793 w1ab hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y1794 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1795 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y1795 w1aa hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y1795 w1ab hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1796 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1796 w1aa h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td><td></td><td class=\"c x396 y1796 w1ab h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td></tr><tr><td class=\"c x174 y1797 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1798 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1798 w1aa h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td><td></td><td class=\"c x396 y1798 w1ab h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td></tr><tr><td class=\"c x174 y1799 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179a wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y179a w1aa hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x396 y179a w1ab hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">659.455 </div></td></tr><tr><td class=\"c x174 y179b wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179c wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y179c w1aa hc\"><div class=\"t m0 x2f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.396.451<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y179c w1ab hc\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">956.261<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y179d wae hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x19d y179d w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y179e wae h2a\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewe<span class=\"_ _0\"></span>rtungsart </div></td><td class=\"c x19d y179e w1aa h2a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y179e w1ab h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y179f wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a0 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a0 w1aa h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y17a0 w1ab h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y17a1 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a1 w1aa hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td></td><td class=\"c x396 y17a1 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td></tr><tr><td class=\"c x174 y17a2 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a3 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Posit<span class=\"_ _0\"></span>ionen</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a3 w1aa hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td><td></td><td class=\"c x396 y17a3 w1ab hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td></tr><tr><td class=\"c x174 y17a4 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a5 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a5 w1aa hc\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td></td><td class=\"c x396 y17a5 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">730.120 </div></td></tr><tr><td class=\"c x174 y17a6 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a7 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y17a7 w1aa h12\"><div class=\"t m0 x2f h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">1.265.071<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y17a7 w1ab h12\"><div class=\"t m0 x40 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">994.427<span class=\"ls0\"> </span></div></td></tr></table><div class=\"gsa\"><table class=\"s w480 h21f\" id=\"_a33d9dbc-e40a-4e05-b6ba-1faa1fa54ac4\"><tr><td></td><td></td><td class=\"c x3b3 y17d8 w1ba hc\"><div class=\"t m0 x14 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Nominalbetr\u00e4ge </div></td><td></td><td></td><td class=\"c x3b4 y17d8 w1bb hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x3b5 y17d8 w1ba hc\"><div class=\"t m0 x40 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x3b3 y17d9 w1ba hd\"><div class=\"t m0 x41 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Restlaufzeit </div></td><td></td><td class=\"c x3b4 y17d9 w1bc hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x3b6 y17d9 w1bd hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td><td class=\"c x3b5 y17d9 w1be hd\"><div class=\"t m0 x88 h23 y7db ff5 fs8 fc2 sc0 ls0 ws0\">Nominale </div></td><td class=\"c x215 y17d9 w6c hd\"><div class=\"t m0 x60 h23 yb3b ff5 fs8 fc2 sc0 ls0 ws0\">Marktwerte </div></td><td></td></tr><tr><td class=\"c x174 y17da w1b9 he\"><div class=\"t m0 x7 h23 y370 ffb fs8 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x3b3 y17da w1bf he\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">bis 1 Jahr </div></td><td class=\"c x3b7 y17da w1c0 he\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1 <span class=\"ls0\">- 5 J.</span><span class=\"ls0\"> </span></div></td><td class=\"c x35d y17da w1be he\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">&gt; 5 J. </div></td><td class=\"c x3b4 y17da w1bc he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x3b6 y17da w1c1 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b8 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td><td class=\"c x3b5 y17da w1be he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">gesamt </div></td><td class=\"c x215 y17da w1c0 he\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">positiv </div></td><td class=\"c x3b9 y17da w1bf he\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">negativ </div></td></tr><tr><td class=\"c x174 y17db w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dc w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinssatzoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17dd w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17dd w1bf hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">110<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17dd w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.310 </div></td><td class=\"c x35d y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17dd w1bc hf\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.420 </div></td><td class=\"c x3b6 y17dd w1c1 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">212<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3b5 y17dd w1be hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.920 </div></td><td class=\"c x215 y17dd w1c0 hf\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">64<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17de w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17de w1bf he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">460<span class=\"ls0\"> </span></div></td><td class=\"c x3b7 y17de w1c0 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">7.710 </div></td><td class=\"c x35d y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3b4 y17de w1bc he\"><div class=\"t m0 x47 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.170 </div></td><td></td><td class=\"c x3b8 y17de w1be he\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">229</span> </div></td><td class=\"c x3b5 y17de w1be he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.370 </div></td><td></td><td class=\"c x3b9 y17de w1bf he\"><div class=\"t m0 x4a h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">59</span> </div></td></tr><tr><td class=\"c x174 y17df w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Swaptions </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x3b5 y17e0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.000 </div></td><td class=\"c x215 y17e0 w1c0 hf\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">413<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17e1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td class=\"c x35d y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td class=\"c x3b4 y17e1 w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">13.000 </div></td><td></td><td class=\"c x3b8 y17e1 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.237 </div></td><td class=\"c x3b5 y17e1 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">49.000 </div></td><td></td><td class=\"c x3b9 y17e1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.354 </div></td></tr><tr><td class=\"c x174 y17e2 w1c2 he\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Zinsswaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e3 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17e3 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">22.535 </div></td><td class=\"c x3b7 y17e3 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">246.251 </div></td><td class=\"c x35d y17e3 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.856 </div></td><td class=\"c x3b4 y17e3 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">418.642 </div></td><td class=\"c x3b6 y17e3 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">33.568 </div></td><td class=\"c x3b8 y17e3 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.966 </div></td><td class=\"c x3b5 y17e3 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">532.867 </div></td><td class=\"c x215 y17e3 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.820 </div></td><td class=\"c x3b9 y17e3 w1bf hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-25.342 </div></td></tr><tr><td class=\"c x174 y17e4 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17e4 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">86.035 </div></td><td class=\"c x3b7 y17e4 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">981.582 </div></td><td class=\"c x35d y17e4 w1be hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">719.333 </div></td><td class=\"c x3b4 y17e4 w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.786.950 </div></td><td class=\"c x3b6 y17e4 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.098 </div></td><td class=\"c x3b8 y17e4 w1be hf\"><div class=\"t m0 x29 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-177.160 </div></td><td class=\"c x3b5 y17e4 w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.909.085 </div></td><td class=\"c x215 y17e4 w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">93.825 </div></td><td class=\"c x3b9 y17e4 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-5.867 </div></td></tr><tr><td class=\"c x174 y17e5 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Anleiheoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e6 w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e7 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e8 w1c2 hd\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Wechselkursvertr\u00e4ge  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17e9 w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">W\u00e4hrungsoptionen  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ea w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ea w1bf he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td></td><td></td><td class=\"c x3b4 y17ea w1bc he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.509 </div></td><td class=\"c x3b6 y17ea w1c1 he\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.242 </div></td><td></td><td class=\"c x3b5 y17ea w1be he\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.405 </div></td><td class=\"c x215 y17ea w1c0 he\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">354<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y17eb w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17eb w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td></td><td class=\"c x3b4 y17eb w1bc hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">53.764 </div></td><td></td><td class=\"c x3b8 y17eb w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-1.272 </div></td><td class=\"c x3b5 y17eb w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">28.760 </div></td><td></td><td class=\"c x3b9 y17eb w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">291</span> </div></td></tr><tr><td class=\"c x174 y17ec w1c2 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Devisentermingesch\u00e4fte  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17ed w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17ed w1bf hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.685.649 </div></td><td class=\"c x3b7 y17ed w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">169.546 </div></td><td></td><td class=\"c x3b4 y17ed w1bc hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.855.195 </div></td><td class=\"c x3b6 y17ed w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">29.984 </div></td><td></td><td class=\"c x3b5 y17ed w1be hf\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.292.108 </div></td><td class=\"c x215 y17ed w1c0 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">24.702 </div></td><td></td></tr><tr><td class=\"c x174 y17ee w1b9 he\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17ee w1bf he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.693.451 </div></td><td class=\"c x3b7 y17ee w1c0 he\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">170.065 </div></td><td></td><td class=\"c x3b4 y17ee w1bc he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.863.516 </div></td><td></td><td class=\"c x3b8 y17ee w1be he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-36.913 </div></td><td class=\"c x3b5 y17ee w1be he\"><div class=\"t m0 x88 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.297.011 </div></td><td></td><td class=\"c x3b9 y17ee w1bf he\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.703 </div></td></tr><tr><td class=\"c x174 y17ef w1c3 hf\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Cross Currency Swaps </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17f0 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Kauf </div></td><td class=\"c x3b3 y17f0 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">27.368 </div></td><td class=\"c x3b7 y17f0 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">221.015 </div></td><td class=\"c x35d y17f0 w1be hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">50.736 </div></td><td class=\"c x3b4 y17f0 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.119 </div></td><td class=\"c x3b6 y17f0 w1c1 hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.679 </div></td><td class=\"c x3b8 y17f0 w1be hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-2.207 </div></td><td class=\"c x3b5 y17f0 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.969 </div></td><td class=\"c x215 y17f0 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">8.739 </div></td><td class=\"c x3b9 y17f0 w1bf hf\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">639</span> </div></td></tr><tr><td class=\"c x174 y17f1 w1b9 hf\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verkauf </div></td><td class=\"c x3b3 y17f1 w1bf hf\"><div class=\"t m0 x70 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">11.724 </div></td><td class=\"c x3b7 y17f1 w1c0 hf\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">171.853 </div></td><td></td><td class=\"c x3b4 y17f1 w1bc hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">183.577 </div></td><td class=\"c x3b6 y17f1 w1c1 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.473 </div></td><td class=\"c x3b8 y17f1 w1be hf\"><div class=\"t m0 x85 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-11.837 </div></td><td class=\"c x3b5 y17f1 w1be hf\"><div class=\"t m0 x6c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">176.455 </div></td><td class=\"c x215 y17f1 w1c0 hf\"><div class=\"t m0 x8c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.414 </div></td><td class=\"c x3b9 y17f1 w1bf hf\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-6.831 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-410": {
   "value": "<div class=\"gsa\"><table class=\"s w2d0 h18e\" id=\"_b9d00ec1-c5f9-4983-955c-1a043ca31e6f\"><tr><td class=\"c x174 y123f wa0 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">18) Immaterielles Anlageverm\u00f6gen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y123f wa1 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y123f wa2 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1240 wa0 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiges immaterielles Anlageverm\u00f6gen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1240 wa1 he\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.610 </div></td><td class=\"c x1e8 y1240 wa2 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.912 </div></td></tr><tr><td class=\"c x174 y1241 wa0 hd\"><div class=\"t m0 x7 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Kundenstock </div></td><td class=\"c x1e7 y1241 wa1 hd\"><div class=\"t m0 x10 h5 yde ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1241 wa2 hd\"><div class=\"t m0 xe h5 ydd ff4 fs2 fc2 sc0 ls2 ws0\">309<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y123e wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Immaterielle Anlageverm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y123e wa1 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x1e8 y123e wa2 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td></tr></table></div><div class=\"gsa\"><table class=\"s w32b h1ad\" id=\"_846c92eb-4c76-4a63-85ba-ae8c757c8686\"><tr><td class=\"c x1a7 y1342 wc0 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">30) Anlagenspiegel </div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x230 y1343 w32c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">hievon als Finanzin<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1344 w32d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x231 y1345 w32e h150\" colspan=\"2\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immat. Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x232 y1345 w32f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">vestitionen gehalt<span class=\"_ _0\"></span>ene<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1346 w330 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen und Sachanlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x233 y1347 w331 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x234 y1348 wc2 h86\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x235 y1347 w27c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1349 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungs<span class=\"_ _0\"></span>-/Herstellungskosten 1.1.2022 </div></td><td class=\"c x236 y1349 wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.869 </div></td><td class=\"c x234 y1349 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">701.744 </div></td><td class=\"c x237 y1349 wc3 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.315 </div></td></tr><tr><td class=\"c x1a7 y134a wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsdifferenzen </div></td><td class=\"c x236 y134a wc1 hf\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">88</span> </div></td><td class=\"c x234 y134a wc2 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">230</span> </div></td><td class=\"c x237 y134a wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134b wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umbuchungen </div></td><td class=\"c x236 y134b wc1 hf\"><div class=\"t m0 x67 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x234 y134b wc2 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x237 y134b wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134c wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x236 y134c wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.504 </div></td><td class=\"c x234 y134c wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.191 </div></td><td class=\"c x237 y134c wc3 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y134d wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge </div></td><td class=\"c x236 y134d wc1 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">876<span class=\"ls0\"> </span></div></td><td class=\"c x234 y134d wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.514 </div></td><td class=\"c x237 y134d wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.990 </div></td></tr><tr><td class=\"c x1a7 y134e wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Abschreibungen </div></td><td class=\"c x236 y134e wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.642 </div></td><td class=\"c x234 y134e wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">333.802 </div></td><td class=\"c x237 y134e wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.691 </div></td></tr><tr><td class=\"c x1a7 y134f wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2022 </div></td><td class=\"c x236 y134f wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x234 y134f wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x237 y134f wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td></tr><tr><td class=\"c x1a7 y1350 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2021 </div></td><td class=\"c x236 y1350 wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x234 y1350 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x237 y1350 wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x1a7 y1351 wc0 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r </div></td><td class=\"c x236 y1351 wc1 hd\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">949<span class=\"ls0\"> </span></div></td><td class=\"c x234 y1351 wc2 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.133 </div></td><td class=\"c x237 y1351 wc3 hd\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.049 </div></td></tr><tr><td class=\"c x178 y11b1 w332 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Von den Abschr<span class=\"_ _5\"></span>eibungen i<span class=\"_ _5\"></span>m Gesch\u00e4ftsjahr der<span class=\"_ _5\"></span> Sachanlagen si<span class=\"_ _5\"></span>nd 7.681Tsd. Euro<span class=\"_ _5\"></span> aus Oper<span class=\"_ _5\"></span>ate Leasing im Sonst<span class=\"_ _5\"></span>igen betr<span class=\"_ _5\"></span>ieblichen <span class=\"_ _5\"></span>Er<span class=\"_ _0\"></span>folg ausgewiese<span class=\"_ _5\"></span>n.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w333 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Der bilan<span class=\"_ _5\"></span>ziell noch nicht<span class=\"_ _5\"></span> ber\u00fccksichtigte Tei<span class=\"_ _5\"></span>l der COVID-<span class=\"ls1b\">19</span>-Invest<span class=\"_ _5\"></span>itions<span class=\"_ _5\"></span>pr\u00e4mie betr\u00e4gt<span class=\"_ _5\"></span> 738 Tsd. Euro.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-14": {
   "value": "<table class=\"s w2d0 h18f\" id=\"_18e76693-22b8-4140-afcc-bb857ee65211\"><tr><td class=\"c x174 y1242 w73 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">19) Sachanlagen </div></td><td class=\"c x1e7 y1242 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1242 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1243 w73 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Als Finanzinvestitionen gehalt<span class=\"_ _0\"></span>ene Immobilien </div></td><td class=\"c x1e7 y1243 w74 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td><td class=\"c x1e8 y1243 w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x174 y1244 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Grundst\u00fccke und G<span class=\"_ _0\"></span>eb\u00e4ude </div></td><td class=\"c x1e7 y1244 w74 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">85.153 </div></td><td class=\"c x1e8 y1244 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">87.800 </div></td></tr><tr><td class=\"c x174 y1245 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Betriebs- und<span class=\"_ _0\"></span> Gesch\u00e4ftsausstattung </div></td><td class=\"c x1e7 y1245 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">39.229 </div></td><td class=\"c x1e8 y1245 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">46.022 </div></td></tr><tr><td class=\"c x174 y1246 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Sachanlagen </div></td><td class=\"c x1e7 y1246 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">20.726 </div></td><td class=\"c x1e8 y1246 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.299 </div></td></tr><tr><td class=\"c x174 y1247 w73 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Leasinggegenst<span class=\"_ _0\"></span>\u00e4nden </div></td><td class=\"c x1e7 y1247 w74 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">139.588 </div></td><td class=\"c x1e8 y1247 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.267 </div></td></tr><tr><td class=\"c x174 y1248 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x1e7 y1248 w74 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x1e8 y1248 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td></tr></table>Der Konzern v<span class=\"_ _5\"></span>erf\u00fcgt \u00fcbe<span class=\"_ _5\"></span>r fremdgen\u00fctzte G<span class=\"_ _5\"></span>rundst\u00fccke<span class=\"_ _5\"></span> und Geb\u00e4ud<span class=\"_ _5\"></span>e mit einem Buchwert<span class=\"_ _5\"></span> von 72.693 Tsd. Euro<span class=\"_ _5\"></span> (Vorjahr 84.234 Tsd. <span class=\"_ _5\"></span>Euro); der Fair<span class=\"_ _128\"> </span> Value diese<span class=\"_ _5\"></span>r Objekte li<span class=\"_ _5\"></span>egt bei 83.550 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 97.640 Tsd. <span class=\"_ _5\"></span>Euro). Der Fai<span class=\"_ _5\"></span>r Value i<span class=\"_ _5\"></span>st dem Level 3 <span class=\"_ _5\"></span>zuzurechnen und wird <span class=\"_ _5\"></span>mittels int<span class=\"_ _5\"></span>erner<span class=\"_ _128\"> </span> Modelle<span class=\"_ _5\"></span> ermittelt. Die<span class=\"_ _5\"></span> Mietertr\u00e4ge betr<span class=\"_ _5\"></span>ugen im Beri<span class=\"_ _5\"></span>chtsjahr 3.878 Tsd. Eu<span class=\"_ _5\"></span>ro (Vorjah<span class=\"_ _5\"></span>r 4.365 Tsd. Euro), di<span class=\"_ _5\"></span>e mit ihne<span class=\"_ _5\"></span>n im Zusammenhang stehend<span class=\"_ _5\"></span>en<span class=\"_ _128\"> </span> Aufwendungen (i<span class=\"_ _5\"></span>nklusi<span class=\"_ _5\"></span>ve Abschreibungen) be<span class=\"_ _5\"></span>trugen 2.869 Tsd. <span class=\"_ _5\"></span>Euro (Vor<span class=\"_ _5\"></span>jahr 3.107 Tsd. Euro). Di<span class=\"_ _5\"></span>e Ver\u00e4u\u00dfe<span class=\"_ _5\"></span>rbarkeit die<span class=\"_ _5\"></span>ser Immobilien ist<span class=\"_ _5\"></span> durch<span class=\"_ _128\"> </span> Kaufoptio<span class=\"_ _5\"></span>nsrechte, di<span class=\"_ _5\"></span>e den LeasingnehmerInne<span class=\"_ _5\"></span>n vertr<span class=\"_ _5\"></span>aglich zustehe<span class=\"_ _5\"></span>n, beschr\u00e4nkt. Die<span class=\"_ _5\"></span> nicht garantier<span class=\"_ _5\"></span>ten Restwerte<span class=\"_ _5\"></span> des Leasinggesch\u00e4fts bet<span class=\"_ _5\"></span>ragen<span class=\"_ _128\"> </span> 45.663 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 58.181 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span><table class=\"s w32b h1ad\" id=\"_846c92eb-4c76-4a63-85ba-ae8c757c8686\"><tr><td class=\"c x1a7 y1342 wc0 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">30) Anlagenspiegel </div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x230 y1343 w32c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">hievon als Finanzin<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1344 w32d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x231 y1345 w32e h150\" colspan=\"2\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immat. Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x232 y1345 w32f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">vestitionen gehalt<span class=\"_ _0\"></span>ene<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1346 w330 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen und Sachanlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x233 y1347 w331 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x234 y1348 wc2 h86\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x235 y1347 w27c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1349 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungs<span class=\"_ _0\"></span>-/Herstellungskosten 1.1.2022 </div></td><td class=\"c x236 y1349 wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.869 </div></td><td class=\"c x234 y1349 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">701.744 </div></td><td class=\"c x237 y1349 wc3 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.315 </div></td></tr><tr><td class=\"c x1a7 y134a wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsdifferenzen </div></td><td class=\"c x236 y134a wc1 hf\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">88</span> </div></td><td class=\"c x234 y134a wc2 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">230</span> </div></td><td class=\"c x237 y134a wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134b wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umbuchungen </div></td><td class=\"c x236 y134b wc1 hf\"><div class=\"t m0 x67 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x234 y134b wc2 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x237 y134b wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134c wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x236 y134c wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.504 </div></td><td class=\"c x234 y134c wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.191 </div></td><td class=\"c x237 y134c wc3 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y134d wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge </div></td><td class=\"c x236 y134d wc1 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">876<span class=\"ls0\"> </span></div></td><td class=\"c x234 y134d wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.514 </div></td><td class=\"c x237 y134d wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.990 </div></td></tr><tr><td class=\"c x1a7 y134e wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Abschreibungen </div></td><td class=\"c x236 y134e wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.642 </div></td><td class=\"c x234 y134e wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">333.802 </div></td><td class=\"c x237 y134e wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.691 </div></td></tr><tr><td class=\"c x1a7 y134f wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2022 </div></td><td class=\"c x236 y134f wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x234 y134f wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x237 y134f wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td></tr><tr><td class=\"c x1a7 y1350 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2021 </div></td><td class=\"c x236 y1350 wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x234 y1350 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x237 y1350 wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x1a7 y1351 wc0 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r </div></td><td class=\"c x236 y1351 wc1 hd\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">949<span class=\"ls0\"> </span></div></td><td class=\"c x234 y1351 wc2 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.133 </div></td><td class=\"c x237 y1351 wc3 hd\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.049 </div></td></tr><tr><td class=\"c x178 y11b1 w332 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Von den Abschr<span class=\"_ _5\"></span>eibungen i<span class=\"_ _5\"></span>m Gesch\u00e4ftsjahr der<span class=\"_ _5\"></span> Sachanlagen si<span class=\"_ _5\"></span>nd 7.681Tsd. Euro<span class=\"_ _5\"></span> aus Oper<span class=\"_ _5\"></span>ate Leasing im Sonst<span class=\"_ _5\"></span>igen betr<span class=\"_ _5\"></span>ieblichen <span class=\"_ _5\"></span>Er<span class=\"_ _0\"></span>folg ausgewiese<span class=\"_ _5\"></span>n.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w333 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Der bilan<span class=\"_ _5\"></span>ziell noch nicht<span class=\"_ _5\"></span> ber\u00fccksichtigte Tei<span class=\"_ _5\"></span>l der COVID-<span class=\"ls1b\">19</span>-Invest<span class=\"_ _5\"></span>itions<span class=\"_ _5\"></span>pr\u00e4mie betr\u00e4gt<span class=\"_ _5\"></span> 738 Tsd. Euro.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-435": {
   "value": "<table class=\"s w2d0 h18f\" id=\"_18e76693-22b8-4140-afcc-bb857ee65211\"><tr><td class=\"c x174 y1242 w73 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">19) Sachanlagen </div></td><td class=\"c x1e7 y1242 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1242 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1243 w73 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Als Finanzinvestitionen gehalt<span class=\"_ _0\"></span>ene Immobilien </div></td><td class=\"c x1e7 y1243 w74 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td><td class=\"c x1e8 y1243 w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x174 y1244 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Grundst\u00fccke und G<span class=\"_ _0\"></span>eb\u00e4ude </div></td><td class=\"c x1e7 y1244 w74 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">85.153 </div></td><td class=\"c x1e8 y1244 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">87.800 </div></td></tr><tr><td class=\"c x174 y1245 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Betriebs- und<span class=\"_ _0\"></span> Gesch\u00e4ftsausstattung </div></td><td class=\"c x1e7 y1245 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">39.229 </div></td><td class=\"c x1e8 y1245 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">46.022 </div></td></tr><tr><td class=\"c x174 y1246 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Sachanlagen </div></td><td class=\"c x1e7 y1246 w74 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">20.726 </div></td><td class=\"c x1e8 y1246 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.299 </div></td></tr><tr><td class=\"c x174 y1247 w73 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Leasinggegenst<span class=\"_ _0\"></span>\u00e4nden </div></td><td class=\"c x1e7 y1247 w74 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">139.588 </div></td><td class=\"c x1e8 y1247 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.267 </div></td></tr><tr><td class=\"c x174 y1248 w73 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x1e7 y1248 w74 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x1e8 y1248 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td></tr></table>Der Konzern v<span class=\"_ _5\"></span>erf\u00fcgt \u00fcbe<span class=\"_ _5\"></span>r fremdgen\u00fctzte G<span class=\"_ _5\"></span>rundst\u00fccke<span class=\"_ _5\"></span> und Geb\u00e4ud<span class=\"_ _5\"></span>e mit einem Buchwert<span class=\"_ _5\"></span> von 72.693 Tsd. Euro<span class=\"_ _5\"></span> (Vorjahr 84.234 Tsd. <span class=\"_ _5\"></span>Euro); der Fair<span class=\"_ _128\"> </span>Value diese<span class=\"_ _5\"></span>r Objekte li<span class=\"_ _5\"></span>egt bei 83.550 Tsd. Euro (Vo<span class=\"_ _5\"></span>rjahr 97.640 Tsd. <span class=\"_ _5\"></span>Euro). Der Fai<span class=\"_ _5\"></span>r Value i<span class=\"_ _5\"></span>st dem Level 3 <span class=\"_ _5\"></span>zuzurechnen und wird <span class=\"_ _5\"></span>mittels int<span class=\"_ _5\"></span>erner<span class=\"_ _128\"> </span>Modelle<span class=\"_ _5\"></span> ermittelt. Die<span class=\"_ _5\"></span> Mietertr\u00e4ge betr<span class=\"_ _5\"></span>ugen im Beri<span class=\"_ _5\"></span>chtsjahr 3.878 Tsd. Eu<span class=\"_ _5\"></span>ro (Vorjah<span class=\"_ _5\"></span>r 4.365 Tsd. Euro), di<span class=\"_ _5\"></span>e mit ihne<span class=\"_ _5\"></span>n im Zusammenhang stehend<span class=\"_ _5\"></span>en<span class=\"_ _128\"> </span>Aufwendungen (i<span class=\"_ _5\"></span>nklusi<span class=\"_ _5\"></span>ve Abschreibungen) be<span class=\"_ _5\"></span>trugen 2.869 Tsd. <span class=\"_ _5\"></span>Euro (Vor<span class=\"_ _5\"></span>jahr 3.107 Tsd. Euro). Di<span class=\"_ _5\"></span>e Ver\u00e4u\u00dfe<span class=\"_ _5\"></span>rbarkeit die<span class=\"_ _5\"></span>ser Immobilien ist<span class=\"_ _5\"></span> durch<span class=\"_ _128\"> </span>Kaufoptio<span class=\"_ _5\"></span>nsrechte, di<span class=\"_ _5\"></span>e den LeasingnehmerInne<span class=\"_ _5\"></span>n vertr<span class=\"_ _5\"></span>aglich zustehe<span class=\"_ _5\"></span>n, beschr\u00e4nkt. Die<span class=\"_ _5\"></span> nicht garantier<span class=\"_ _5\"></span>ten Restwerte<span class=\"_ _5\"></span> des Leasinggesch\u00e4fts bet<span class=\"_ _5\"></span>ragen<span class=\"_ _128\"> </span>45.663 Tsd. Euro (<span class=\"_ _5\"></span>Vorjahr 58.181 <span class=\"_ _5\"></span>Tsd. Euro)<span class=\"_ _5\"></span>.<span class=\"fsc\"> </span><table class=\"s w2d0 h190\" id=\"_51c6dcfd-cbd4-4753-8f55-c33418916e23\"><tr><td class=\"c x178 y1249 w2fa h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Leasinggesch\u00e4ft (Operate Leasing) als Leasinggeber, k\u00fcnftige Mindestleasingzahlun-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y124a w2fb h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen<span class=\"_ _128\"> </span></div></td><td class=\"c x1e7 y124b w81 h3b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y124b w77 h3b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y124c w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y124c w81 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.980 </div></td><td class=\"c x1e8 y124c w77 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.153 </div></td></tr><tr><td class=\"c x174 y124d w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y124d w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.305 </div></td><td class=\"c x1e8 y124d w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.446 </div></td></tr><tr><td class=\"c x174 y124e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y124e w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.246 </div></td><td class=\"c x1e8 y124e w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.573 </div></td></tr><tr><td class=\"c x174 y124f w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y124f w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.957 </div></td><td class=\"c x1e8 y124f w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.431 </div></td></tr><tr><td class=\"c x174 y1250 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y1250 w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.488 </div></td><td class=\"c x1e8 y1250 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.603 </div></td></tr></table><table class=\"s w32b h1ad\" id=\"_846c92eb-4c76-4a63-85ba-ae8c757c8686\"><tr><td class=\"c x1a7 y1342 wc0 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">30) Anlagenspiegel </div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x230 y1343 w32c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">hievon als Finanzin<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1344 w32d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x231 y1345 w32e h150\" colspan=\"2\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immat. Anlageverm\u00f6-<span class=\"_ _128\"> </span></div></td><td class=\"c x232 y1345 w32f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">vestitionen gehalt<span class=\"_ _0\"></span>ene<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x183 y1346 w330 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen und Sachanlagen<span class=\"_ _128\"> </span></div></td><td class=\"c x233 y1347 w331 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x234 y1348 wc2 h86\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x235 y1347 w27c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1349 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anschaffungs<span class=\"_ _0\"></span>-/Herstellungskosten 1.1.2022 </div></td><td class=\"c x236 y1349 wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.869 </div></td><td class=\"c x234 y1349 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">701.744 </div></td><td class=\"c x237 y1349 wc3 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.315 </div></td></tr><tr><td class=\"c x1a7 y134a wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsdifferenzen </div></td><td class=\"c x236 y134a wc1 hf\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">88</span> </div></td><td class=\"c x234 y134a wc2 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">230</span> </div></td><td class=\"c x237 y134a wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134b wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umbuchungen </div></td><td class=\"c x236 y134b wc1 hf\"><div class=\"t m0 x67 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x234 y134b wc2 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x237 y134b wc3 hf\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y134c wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x236 y134c wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.504 </div></td><td class=\"c x234 y134c wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.191 </div></td><td class=\"c x237 y134c wc3 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y134d wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge </div></td><td class=\"c x236 y134d wc1 hf\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">876<span class=\"ls0\"> </span></div></td><td class=\"c x234 y134d wc2 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.514 </div></td><td class=\"c x237 y134d wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.990 </div></td></tr><tr><td class=\"c x1a7 y134e wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumulierte Abschreibungen </div></td><td class=\"c x236 y134e wc1 hf\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.642 </div></td><td class=\"c x234 y134e wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">333.802 </div></td><td class=\"c x237 y134e wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.691 </div></td></tr><tr><td class=\"c x1a7 y134f wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2022 </div></td><td class=\"c x236 y134f wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x234 y134f wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x237 y134f wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">72.693 </div></td></tr><tr><td class=\"c x1a7 y1350 wc0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwerte 31.12.2021 </div></td><td class=\"c x236 y1350 wc1 hf\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x234 y1350 wc2 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x237 y1350 wc3 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">84.234 </div></td></tr><tr><td class=\"c x1a7 y1351 wc0 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r </div></td><td class=\"c x236 y1351 wc1 hd\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">949<span class=\"ls0\"> </span></div></td><td class=\"c x234 y1351 wc2 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.133 </div></td><td class=\"c x237 y1351 wc3 hd\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.049 </div></td></tr><tr><td class=\"c x178 y11b1 w332 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Von den Abschr<span class=\"_ _5\"></span>eibungen i<span class=\"_ _5\"></span>m Gesch\u00e4ftsjahr der<span class=\"_ _5\"></span> Sachanlagen si<span class=\"_ _5\"></span>nd 7.681Tsd. Euro<span class=\"_ _5\"></span> aus Oper<span class=\"_ _5\"></span>ate Leasing im Sonst<span class=\"_ _5\"></span>igen betr<span class=\"_ _5\"></span>ieblichen <span class=\"_ _5\"></span>Er<span class=\"_ _0\"></span>folg ausgewiese<span class=\"_ _5\"></span>n.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w333 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Der bilan<span class=\"_ _5\"></span>ziell noch nicht<span class=\"_ _5\"></span> ber\u00fccksichtigte Tei<span class=\"_ _5\"></span>l der COVID-<span class=\"ls1b\">19</span>-Invest<span class=\"_ _5\"></span>itions<span class=\"_ _5\"></span>pr\u00e4mie betr\u00e4gt<span class=\"_ _5\"></span> 738 Tsd. Euro.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-409": {
   "value": "<table class=\"s w2d0 h190\" id=\"_51c6dcfd-cbd4-4753-8f55-c33418916e23\"><tr><td class=\"c x178 y1249 w2fa h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Leasinggesch\u00e4ft (Operate Leasing) als Leasinggeber, k\u00fcnftige Mindestleasingzahlun-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y124a w2fb h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen<span class=\"_ _128\"> </span></div></td><td class=\"c x1e7 y124b w81 h3b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y124b w77 h3b\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y124c w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y124c w81 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.980 </div></td><td class=\"c x1e8 y124c w77 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.153 </div></td></tr><tr><td class=\"c x174 y124d w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y124d w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.305 </div></td><td class=\"c x1e8 y124d w77 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.446 </div></td></tr><tr><td class=\"c x174 y124e w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y124e w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.246 </div></td><td class=\"c x1e8 y124e w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.573 </div></td></tr><tr><td class=\"c x174 y124f w95 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y124f w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.957 </div></td><td class=\"c x1e8 y124f w77 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.431 </div></td></tr><tr><td class=\"c x174 y1250 w95 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y1250 w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">47.488 </div></td><td class=\"c x1e8 y1250 w77 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.603 </div></td></tr></table>20) Leasingverh\u00e4ltnisse als Leas<span class=\"_ _0\"></span>ingnehmer<span class=\"_ _128\"> </span>Die abgeschlossenen Leasingverh\u00e4ltnisse der<span class=\"_ _5\"></span> Oberbank AG<span class=\"_ _5\"></span> bezie<span class=\"_ _5\"></span>hen sich im <span class=\"_ _5\"></span>Wesentlichen auf <span class=\"_ _5\"></span>die <span class=\"_ _5\"></span>Anmietung von Fil<span class=\"_ _5\"></span>ialen und<span class=\"_ _128\"> </span>B\u00fcror\u00e4umen <span class=\"_ _1\"></span>sowie <span class=\"_ _1\"></span>Bau- <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>Bestandsrecht<span class=\"_ _0\"></span>e <span class=\"_ _0\"></span>an <span class=\"_ _1\"></span>Grundst\u00fccken, <span class=\"_ _1\"></span>Garagen, <span class=\"_ _1\"></span>Betriebs<span class=\"_ _0\"></span>- <span class=\"_ _1\"></span>und <span class=\"_ _1\"></span>Gesch\u00e4ftsausstattungen <span class=\"_ _1\"></span>sowie <span class=\"_ _1\"></span>Fah<span class=\"_ _0\"></span>r-<span class=\"_ _128\"> </span>zeugen. <span class=\"_ _5\"></span>Mit <span class=\"_ _3d\"></span>den <span class=\"_ _3d\"></span>Leasin<span class=\"_ _0\"></span>gverh\u00e4ltnissen <span class=\"_ _3d\"></span>sin<span class=\"_ _0\"></span>d <span class=\"_ _3d\"></span>keine <span class=\"_ _5\"></span>wesentlichen <span class=\"_ _3d\"></span>Beschr\u00e4nkun<span class=\"_ _0\"></span>gen <span class=\"_ _3d\"></span>oder <span class=\"_ _5\"></span>Zusagen <span class=\"_ _3d\"></span>verbunden. <span class=\"_ _5\"></span>Sale-an<span class=\"_ _0\"></span>d-Leaseback-<span class=\"_ _128\"> </span>Transaktionen wurden nicht eingegangen. <span class=\"_ _0\"></span> F\u00fcr das Gesch\u00e4ftsjahr 2022 <span class=\"_ _5\"></span>ergeben <span class=\"_ _5\"></span>sich folgende Darstellung<span class=\"_ _5\"></span>en in der <span class=\"_ _5\"></span>Konzernbilanz, Konzern-Gewinn<span class=\"_ _0\"></span>- und Verlustrechnung<span class=\"_ _128\"> </span>sowie Konzern-Kap<span class=\"_ _0\"></span>italflussrechnung f\u00fcr die Oberb<span class=\"_ _0\"></span>ank als Leasingnehmer:<table class=\"s w2fc h192\" id=\"_bdcf5cd7-9b25-46ab-b825-7c7eaeaab3b8\"><tr><td class=\"c x174 y1251 wa5 hc\"><div class=\"t m0 x7 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Leasing in der Konzernbilanz </div></td><td class=\"c x214 y1251 wa6 hc\"><div class=\"t m0 x35 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x215 y1251 wa7 hc\"><div class=\"t m0 x35 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1252 wa5 hf\"><div class=\"t m0 x7 h6 y1ac ff5 fs2 fc2 sc0 ls0 ws0\">Sachanlagen </div></td><td class=\"c x214 y1252 wa6 hf\"><div class=\"t m0 x3 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">140.050 </div></td><td class=\"c x215 y1252 wa7 hf\"><div class=\"t m0 x3 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">142.832 </div></td></tr><tr><td class=\"c x174 y1253 wa5 hf\"><div class=\"t m0 x13 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Grun<span class=\"_ _0\"></span>dst\u00fccken und Geb\u00e4uden </div></td><td class=\"c x214 y1253 wa6 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">137.264 </div></td><td class=\"c x215 y1253 wa7 hf\"><div class=\"t m0 x3 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">139.545 </div></td></tr><tr><td class=\"c x174 y1254 wa5 hf\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Betr<span class=\"_ _0\"></span>iebs- und Gesch\u00e4ftsausstattu<span class=\"_ _0\"></span>ng </div></td><td class=\"c x214 y1254 wa6 hf\"><div class=\"t m0 x12 h5 y84 ff4 fs2 fc2 sc0 ls2 ws0\">737<span class=\"ls0\"> </span></div></td><td class=\"c x215 y1254 wa7 hf\"><div class=\"t m0 x12 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">850<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1255 wa5 hf\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an Son<span class=\"_ _0\"></span>stigen Sachanlagen </div></td><td class=\"c x214 y1255 wa6 hf\"><div class=\"t m0 x30 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.587 </div></td><td class=\"c x215 y1255 wa7 hf\"><div class=\"t m0 x30 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">1.872 </div></td></tr><tr><td class=\"c x174 y1256 wa5 hf\"><div class=\"t m0 x13 h6 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Nutzungsrechte an als Finan<span class=\"_ _0\"></span>zinvestitionen gehaltenen Immobilien<span class=\"ff5\"> </span></div></td><td class=\"c x214 y1256 wa6 hf\"><div class=\"t m0 x12 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">462<span class=\"ls0\"> </span></div></td><td class=\"c x215 y1256 wa7 hf\"><div class=\"t m0 x12 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">565<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1257 wa5 hf\"><div class=\"t m0 x7 h6 y191 ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1258 wa5 h77\"><div class=\"t m0 x13 h5 y661 ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten  </div><div class=\"t m0 x7 h5 y662 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y663 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y664 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x7 h5 y665 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x214 y1258 wa6 h77\"><div class=\"t m0 x3 h5 y661 ff4 fs2 fc2 sc0 ls0 ws0\">141.298 </div><div class=\"t m0 xad h5 y662 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x215 y1258 wa7 h77\"><div class=\"t m0 x3 h5 y661 ff4 fs2 fc2 sc0 ls0 ws0\">143.833 </div></td></tr></table>Die Zug\u00e4nge der Nut<span class=\"_ _0\"></span>zungsrechte im Gesch\u00e4ftsjahr 2022 betru<span class=\"_ _0\"></span>gen 15.946 Tsd. Euro. Die Zahlungsmittelabfl\u00fcsse f\u00fc<span class=\"_ _0\"></span>r Leasingverbindlich-<span class=\"_ _128\"> </span>keiten beliefen sich auf 16.067 Tsd<span class=\"_ _0\"></span>. Euro. Bei der Bewertung der Leasingverbindlichkeiten sind k\u00fc<span class=\"_ _0\"></span>nftige Zahlungsmittelabfl\u00fcss<span class=\"_ _1\"></span>e aus<span class=\"_ _128\"> </span>nicht sicheren Verl\u00e4n<span class=\"_ _0\"></span>gerungsoptionen in H\u00f6he von 15.272 T<span class=\"_ _0\"></span>sd. Euro unber\u00fccksichtigt geblieben.<span class=\"_ _0\"></span> <table class=\"s w2fd h193\" id=\"_f5ed5555-323a-4550-8617-d8e971a89a66\"><tr><td class=\"c x174 y1259 wa0 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten (brutto) nach Fristigkeiten<span class=\"_ _1\"></span> </div></td><td class=\"c x1e7 y1259 wa8 hc\"><div class=\"t m0 x30 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x216 y1259 wa9 hc\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y125a wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y125a wa8 hf\"><div class=\"t m0 x4 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.772 </div></td><td class=\"c x216 y125a wa9 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.734 </div></td></tr><tr><td class=\"c x174 y125b wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y125b wa8 hf\"><div class=\"t m0 x2f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">10.754 </div></td><td class=\"c x216 y125b wa9 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.867 </div></td></tr><tr><td class=\"c x174 y125c wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y125c wa8 hf\"><div class=\"t m0 x2f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">51.683 </div></td><td class=\"c x216 y125c wa9 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.332 </div></td></tr><tr><td class=\"c x174 y125d wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y125d wa8 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">75.090 </div></td><td class=\"c x216 y125d wa9 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.900 </div></td></tr><tr><td class=\"c x174 y125e wa0 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe </div></td><td class=\"c x1e7 y125e wa8 hf\"><div class=\"t m0 x9 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">141.298 </div></td><td class=\"c x216 y125e wa9 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">143.833 </div></td></tr></table><table class=\"s w2fe h194\" id=\"_0c27f33e-1da9-4260-b639-a9ead461c89d\"><tr><td class=\"c x174 y125f wa0 h79\"><div class=\"t m0 x7 h6 y35c ff5 fs2 fc2 sc0 ls0 ws0\">Leasing in der Konzern-Gewinn<span class=\"_ _0\"></span>- und Verlust-Rechnung<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y125f w71 h79\"><div class=\"t m0 x30 h6 y35c ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x217 y125f w7 h79\"><div class=\"t m0 xd h6 y35c ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1260 wa0 h6b\"><div class=\"t m0 x7 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Zinsaufwendungen f\u00fcr Leasingverb<span class=\"_ _0\"></span>indlichkeiten </div></td><td class=\"c x1e7 y1260 w71 h6b\"><div class=\"t m0 x12 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">798<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1260 w7 h6b\"><div class=\"t m0 x2f h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">760<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1261 wa0 h6b\"><div class=\"t m0 x7 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand </div></td><td class=\"c x1e7 y1261 w71 h6b\"><div class=\"t m0 x3b h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">15.518 </div></td><td class=\"c x217 y1261 w7 h6b\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">15.609 </div></td></tr><tr><td class=\"c x174 y1262 wa0 h6b\"><div class=\"t m0 x13 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an Grun<span class=\"_ _0\"></span>dst\u00fccken und Geb\u00e4uden </div></td><td class=\"c x1e7 y1262 w71 h6b\"><div class=\"t m0 x3b h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">14.108 </div></td><td class=\"c x217 y1262 w7 h6b\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">14.153 </div></td></tr><tr><td class=\"c x174 y1263 wa0 h6c\"><div class=\"t m0 x13 h5 y66e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an Betriebs<span class=\"_ _0\"></span>- und Gesch\u00e4ftsausst<span class=\"_ _0\"></span>attung </div></td><td class=\"c x1e7 y1263 w71 h6c\"><div class=\"t m0 x12 h5 y66f ff4 fs2 fc2 sc0 ls2 ws0\">291<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1263 w7 h6c\"><div class=\"t m0 x2f h5 y66e ff4 fs2 fc2 sc0 ls2 ws0\">316<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1264 wa0 h6b\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an Sonstigen Sachanlagen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1264 w71 h6b\"><div class=\"t m0 x12 h5 y26d ff4 fs2 fc2 sc0 ls2 ws0\">956<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1264 w7 h6b\"><div class=\"t m0 x2f h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">982<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1265 wa0 h6b\"><div class=\"t m0 x13 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen f\u00fcr Nutzun<span class=\"_ _0\"></span>gsrechte an als <span class=\"_ _0\"></span>Finanzinvestition gehaltenen Immobilien </div></td><td class=\"c x1e7 y1265 w71 h6b\"><div class=\"t m0 x12 h5 y5da ff4 fs2 fc2 sc0 ls2 ws0\">163<span class=\"ls0\"> </span></div></td><td class=\"c x217 y1265 w7 h6b\"><div class=\"t m0 x2f h5 y369 ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1266 wa0 h6b\"><div class=\"t m0 x88 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Andere Aufwendungen au<span class=\"_ _0\"></span>s Leasingverh\u00e4ltnissen </div></td><td class=\"c x1e7 y1266 w71 h6b\"><div class=\"t m0 x40 h5 y5da ff4 fs2 fc2 sc0 ls0 ws0\">1.680 </div><div class=\"t m0 xb1 h5 y5db ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x217 y1266 w7 h6b\"><div class=\"t m0 xd h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">1.410 </div></td></tr><tr><td class=\"c x174 y1267 wa0 h6b\"><div class=\"t m0 x7 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1268 wa0 h6b\"><div class=\"t m0 x13 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus Unterleasing von<span class=\"_ _0\"></span> Nutzungsrechten </div></td><td class=\"c x1e7 y1268 w71 h6b\"><div class=\"t m0 x12 h5 y26d ff4 fs2 fc2 sc0 ls2 ws0\">780<span class=\"ls0\"> </span></div><div class=\"t m0 xb1 h5 y674 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x217 y1268 w7 h6b\"><div class=\"t m0 x2f h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">846<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w2ff h195\" id=\"_ad2455f9-dde0-498d-9707-a44b8dc5aa9e\"><tr><td class=\"c x174 y1269 wa0 h7a\"><div class=\"t m0 x7 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Leasing in der Konzern-Kapitalflussrechnung<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1269 w70 h7a\"><div class=\"t m0 x32 h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x218 y1269 waa h7a\"><div class=\"t m0 xd h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y126a wa0 hf\"><div class=\"t m0 x7 h6 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Tilgungen von Leasingverbind<span class=\"_ _0\"></span>lichkeiten aus Finanzierungst\u00e4tigkeit<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td class=\"c x1e7 y126a w70 hf\"><div class=\"t m0 x4 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">-16.067 </div></td><td class=\"c x218 y126a waa hf\"><div class=\"t m0 x3f h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">-16.085 </div></td></tr><tr><td class=\"c x174 y126b wa0 hf\"><div class=\"t m0 x7 h6 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">Zinsaufwendungen f\u00fcr Leasingverb<span class=\"_ _0\"></span>indlichkeiten aus operat<span class=\"_ _0\"></span>iver Gesc<span class=\"_ _5\"></span>h\u00e4ftst\u00e4t<span class=\"_ _0\"></span>igkeit<span class=\"ff5\"> </span></div></td><td class=\"c x1e7 y126b w70 hf\"><div class=\"t m0 x39 h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">798<span class=\"ls0\"> </span></div></td><td class=\"c x218 y126b waa hf\"><div class=\"t m0 xd h5 y1ac ff4 fs2 fc2 sc0 ls2 ws0\">760<span class=\"ls0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "<table class=\"s w2d0 h196\" id=\"_0d4426d6-8b62-4291-8121-3363d2feb36b\"><tr><td class=\"c x174 y126c w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">21) Sonstige Aktiva </div></td><td class=\"c x1e7 y126c w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y126c w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y126d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steueranspr\u00fc<span class=\"_ _0\"></span>che </div></td><td class=\"c x1e7 y126d w81 hf\"><div class=\"t m0 x36 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.353 </div></td><td class=\"c x1e8 y126d w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390 </div></td></tr><tr><td class=\"c x174 y126e w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y126e w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">137.781 </div></td><td class=\"c x1e8 y126e w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">127.011 </div></td></tr><tr><td class=\"c x174 y126f w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Positive Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y126f w81 hf\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">39.640 </div></td><td class=\"c x1e8 y126f w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.159 </div></td></tr><tr><td class=\"c x174 y1270 w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten </div></td><td class=\"c x1e7 y1270 w81 hd\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">10.677 </div></td><td class=\"c x1e8 y1270 w75 hd\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.067 </div></td></tr><tr><td class=\"c x174 y1271 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div></td><td class=\"c x1e7 y1271 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">189.451 </div></td><td class=\"c x1e8 y1271 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">233.627 </div></td></tr></table><div class=\"c w96 hc gs1fe\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">37) Fremdw\u00e4hrungsvolumina in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></div><div class=\"c w91 hc gs1ff\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w82 hc gs200\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w96 hf gs201\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktiva<span class=\"_ _128\"> </span> </div></div><div class=\"c w91 hf gs202\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.382.827<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs203\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.206.787<span class=\"_ _128\"> </span> </div></div><div class=\"c w96 hf gs204\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Passiva<span class=\"_ _128\"> </span> </div></div><div class=\"c w91 hf gs205\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.543.824<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs206\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.335.636<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs207\"><div class=\"t m0 x3 h17 y885 ff4 fs4 fc2 sc0 ls0 ws0\">Hierzu sei auc<span class=\"_ _5\"></span>h auf de<span class=\"_ _5\"></span>n Risikobericht unte<span class=\"_ _5\"></span>r Note 42 ff<span class=\"_ _5\"></span> verwiesen.<span class=\"fsc\"> </span></div><div class=\"t m0 x3 h5 y886 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-436": {
   "value": "<div class=\"gsa\"><table class=\"s w30b h19a\" id=\"_42e951ce-24b4-4e5e-a23c-2435b81688e8\"><tr><td class=\"c x1a7 y1297 w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">22) Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1297 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y1297 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1298 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber inl\u00e4nd<span class=\"_ _0\"></span>ischen Kreditinstituten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1298 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.426.246 </div></td><td class=\"c x1e4 y1298 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.980.517 </div></td></tr><tr><td class=\"c x1a7 y1299 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber ausl\u00e4n<span class=\"_ _0\"></span>dischen Kreditinstituten </div></td><td class=\"c x1e3 y1299 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.022.489 </div></td><td class=\"c x1e4 y1299 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.912.821 </div></td></tr><tr><td class=\"c x1a7 y129a w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x1e3 y129a w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td class=\"c x1e4 y129a w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x1a7 y129b w90 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinstituten nach Friste<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y129c w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e3 y129c w91 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">777.734 </div></td><td class=\"c x1e4 y129c w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">749.160 </div></td></tr><tr><td class=\"c x1a7 y129d w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monat<span class=\"_ _0\"></span>e </div></td><td class=\"c x1e3 y129d w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.797 </div></td><td class=\"c x1e4 y129d w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">247.719 </div></td></tr><tr><td class=\"c x1a7 y129e w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e3 y129e w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.208 </div></td><td class=\"c x1e4 y129e w92 hf\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">33<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y129f w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e3 y129f w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.666.362 </div></td><td class=\"c x1e4 y129f w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.475.286 </div></td></tr><tr><td class=\"c x1a7 y12a0 w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e3 y12a0 w91 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.691.634 </div></td><td class=\"c x1e4 y12a0 w92 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.421.140 </div></td></tr><tr><td class=\"c x1a7 y12a1 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x1e3 y12a1 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td class=\"c x1e4 y12a1 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x178 y12a2 w30c h199\"><div class=\"t m0 x177 h17 y1294 ff4 fs4 fc2 sc0 ls0 ws0\">Im Bilanzposte<span class=\"_ _5\"></span>n Verbindl<span class=\"_ _5\"></span>ichkeiten gegen\u00fcber Kre<span class=\"_ _5\"></span>ditinstit<span class=\"_ _5\"></span>uten ist ein <span class=\"_ _5\"></span>Betrag von 800 Mio. Euro<span class=\"_ _5\"></span> (VJ: 2.300 Mio. E<span class=\"_ _5\"></span>uro) aus<span class=\"_ _5\"></span> dem TLTRO III Ref<span class=\"_ _5\"></span>inanzie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">rungsprogramm de<span class=\"_ _5\"></span>r EZB ent<span class=\"_ _5\"></span>halten. Im Gesch\u00e4f<span class=\"_ _5\"></span>tsjahr 2022 wur<span class=\"_ _5\"></span>den zwei vor<span class=\"_ _5\"></span>zeitige R\u00fcc<span class=\"_ _5\"></span>kzahlungen dur<span class=\"_ _5\"></span>chgef\u00fchrt. Im Nove<span class=\"_ _5\"></span>mber 2022 wurden 500<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a3 w30d h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mio. Euro und <span class=\"_ _5\"></span>im Dezember 2022 <span class=\"_ _5\"></span>zus\u00e4tzlic<span class=\"_ _5\"></span>h 1.000 Mio. Euro<span class=\"_ _5\"></span> r\u00fcckgef\u00fch<span class=\"_ _5\"></span>rt, wodurch si<span class=\"_ _5\"></span>ch das Ausma\u00df de<span class=\"_ _5\"></span>r aufgenommenen Re<span class=\"_ _5\"></span>finanzierun<span class=\"_ _5\"></span>gen per<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a4 w30e h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">31.12.2022 auf 800<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x21e y12a4 w30f h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mi<span class=\"_ _5\"></span>o. Euro redu<span class=\"_ _5\"></span>ziert hat<span class=\"_ _5\"></span>. Die urspr\u00fcngli<span class=\"_ _5\"></span>ch zwischen Juni<span class=\"_ _5\"></span> 2020 und September 2021 auf<span class=\"_ _3d\"></span>genommenen Refina<span class=\"_ _5\"></span>nzierungen wurden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y12a5 w310 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">bis Ende Jun<span class=\"_ _5\"></span>i mit dem bi<span class=\"_ _5\"></span>s dahin noch g\u00fcltigen <span class=\"_ _5\"></span>Einlagenzinssat<span class=\"_ _5\"></span>z der EZB von <span class=\"ff9\">\u2013</span> 0,5 % ve<span class=\"_ _5\"></span>rzinst. F\u00fcr d<span class=\"_ _5\"></span>ie Verzinsun<span class=\"_ _5\"></span>g ab Juni 2022 bi<span class=\"_ _5\"></span>s 23. November<span class=\"_ _5\"></span> 2022<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a6 w311 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">wurde der d<span class=\"_ _5\"></span>urchschnittl<span class=\"_ _5\"></span>iche Einlagensat<span class=\"_ _5\"></span>z seit Be<span class=\"_ _5\"></span>ginn der Transakt<span class=\"_ _5\"></span>ion herangezogen. Ab 23. No<span class=\"_ _5\"></span>vember<span class=\"_ _5\"></span> 2022 ist der durchs<span class=\"_ _5\"></span>chnittliche<span class=\"_ _5\"></span> Leitzinssatz<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a7 w312 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">der EZB bi<span class=\"_ _5\"></span>s zum Ende der Lauf<span class=\"_ _5\"></span>zeit bzw. bis zur v<span class=\"_ _5\"></span>orzeiti<span class=\"_ _5\"></span>gen R\u00fcckzahlun<span class=\"_ _5\"></span>g des jeweil<span class=\"_ _5\"></span>igen Refinanzie<span class=\"_ _5\"></span>rungsprogrammes der<span class=\"_ _5\"></span> ma\u00dfgebliche Zinssat<span class=\"_ _5\"></span>z.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a8 w313 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Dieser Zins<span class=\"_ _5\"></span>satz stellte<span class=\"_ _5\"></span> im Vergleich zu Einl<span class=\"_ _5\"></span>agen unsere<span class=\"_ _5\"></span>r Kunden und <span class=\"_ _5\"></span>anderen vergleichbare<span class=\"_ _5\"></span>n, besicherten R<span class=\"_ _5\"></span>efinanzierungen eine<span class=\"_ _5\"></span> marktk<span class=\"_ _5\"></span>onforme<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12ab w314 h19b\"><div class=\"t m0 x177 h17 y12a9 ff4 fs4 fc2 sc0 ls0 ws0\">Refinanzie<span class=\"_ _5\"></span>rung dar. Wir h<span class=\"_ _5\"></span>aben die Fi<span class=\"_ _5\"></span>nanzierungsverbi<span class=\"_ _5\"></span>ndlichkeit<span class=\"_ _5\"></span> daher als Finanzinst<span class=\"_ _5\"></span>rument gem\u00e4\u00df IFR<span class=\"_ _5\"></span>S 9 erfasst<span class=\"_ _5\"></span>. Zus\u00e4tzli<span class=\"_ _5\"></span>ch haben wir das erforde<span class=\"_ _5\"></span>r-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y12aa ff4 fs4 fc2 sc0 ls0 ws0\">liche Kre<span class=\"_ _5\"></span>ditwachstum er<span class=\"_ _5\"></span>reicht und n<span class=\"_ _5\"></span>eben der Ver<span class=\"_ _5\"></span>zinsung eine Bonif<span class=\"_ _5\"></span>ikation in H\u00f6he von <span class=\"_ _5\"></span>0,5 % bis Ende Jun<span class=\"_ _5\"></span>i 2022 erhal<span class=\"_ _5\"></span>ten. Der ver<span class=\"_ _5\"></span>einnahmte Zins<span class=\"_ _5\"></span>er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">trag f\u00fcr di<span class=\"_ _5\"></span>e negativen R<span class=\"_ _5\"></span>efinanzierungszinse<span class=\"_ _5\"></span>n f\u00fcr das<span class=\"_ _5\"></span> Gesch\u00e4ftsjahr<span class=\"_ _5\"></span> 2022 betrug 17,0 Mio. Euro<span class=\"_ _5\"></span>. Darin i<span class=\"_ _5\"></span>st eine Bonif<span class=\"_ _5\"></span>ikation in H\u00f6he von 11,5 Mi<span class=\"_ _5\"></span>o.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w315 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Euro enthal<span class=\"_ _5\"></span>ten. Die k\u00fcnfti<span class=\"_ _5\"></span>ge Verzinsung h\u00e4ngt von <span class=\"_ _5\"></span>der weit<span class=\"_ _5\"></span>eren Entwi<span class=\"_ _5\"></span>cklung der Einlagenzinss\u00e4<span class=\"_ _5\"></span>tze ab, womit<span class=\"_ _5\"></span> die Auswi<span class=\"_ _5\"></span>rkung auf das<span class=\"_ _5\"></span> zuk\u00fcnfti<span class=\"_ _5\"></span>ge<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w316 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zinsergebn<span class=\"_ _5\"></span>is noch nicht abgesc<span class=\"_ _5\"></span>h\u00e4tzt werde<span class=\"_ _5\"></span>n kann. Zum St<span class=\"_ _5\"></span>ichtag wurde<span class=\"_ _5\"></span> mit eine<span class=\"_ _5\"></span>m durchschnittli<span class=\"_ _5\"></span>chen Zinssat<span class=\"_ _5\"></span>z in H\u00f6he von 1,63 % gerechnet.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w317 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Es ist geplan<span class=\"_ _5\"></span>t, die per<span class=\"_ _5\"></span> 31.12.2022 bestehe<span class=\"_ _5\"></span>nden Refina<span class=\"_ _5\"></span>nzierungen bis <span class=\"_ _5\"></span>zur Endlaufzeit zu halt<span class=\"_ _5\"></span>en, und zwar 450 Mi<span class=\"_ _5\"></span>o. Euro bis <span class=\"_ _5\"></span>M\u00e4rz 2024, weitere 250<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w318 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mio. Euro bi<span class=\"_ _5\"></span>s Juni 2024 und di<span class=\"_ _5\"></span>e restlichen <span class=\"_ _5\"></span>100 Mio. Euro b<span class=\"_ _5\"></span>is September<span class=\"_ _5\"></span> 2024.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"gs15a\"><table class=\"s w2ec h19c\" id=\"_d5d253a1-c671-4d62-8a5b-34cf6817fd46\"><tr><td class=\"c x174 y12ac w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">23) Verbindlichkeiten gegen\u00fcber <span class=\"_ _0\"></span>Kunden </div></td><td class=\"c x1e7 y12ac w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12ac w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12ad w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Spareinlagen </div></td><td class=\"c x1e7 y12ad w8e he\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.167.226 </div></td><td class=\"c x1e8 y12ad w82 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.534.685 </div></td></tr><tr><td class=\"c x174 y12ae w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x1e7 y12ae w8e hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">12.894.129 </div></td><td class=\"c x1e8 y12ae w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.193.904 </div></td></tr><tr><td class=\"c x174 y12af w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x1e7 y12af w8e hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td class=\"c x1e8 y12af w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x174 y12b0 w90 hd\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kunden nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12b1 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y12b1 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.834.782 </div></td><td class=\"c x1e8 y12b1 w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.183.297 </div></td></tr><tr><td class=\"c x174 y12b2 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12b2 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">997.858 </div></td><td class=\"c x1e8 y12b2 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.721 </div></td></tr><tr><td class=\"c x174 y12b3 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12b3 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">713.925 </div></td><td class=\"c x1e8 y12b3 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.958 </div></td></tr><tr><td class=\"c x174 y12b4 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12b4 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">379.018 </div></td><td class=\"c x1e8 y12b4 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">393.095 </div></td></tr><tr><td class=\"c x174 y12b5 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12b5 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.772 </div></td><td class=\"c x1e8 y12b5 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">239.518 </div></td></tr><tr><td class=\"c x174 y12b6 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x1e7 y12b6 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td class=\"c x1e8 y12b6 w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr></table></div><table class=\"s w2ec h19d\" id=\"_ec1d5bd5-dacd-421c-b8fe-d00fa5ebda1e\"><tr><td class=\"c x174 y12b7 w8d hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">24) Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b7 wb0 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12b7 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12b8 w8d hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Begebene Schuldverschreibu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y12b8 wb0 hd\"><div class=\"t m0 x8c h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">2.397.353 </div></td><td class=\"c x1e8 y12b8 w82 hd\"><div class=\"t m0 x8c h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">2.192.883 </div></td></tr><tr><td class=\"c x174 y12b9 w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b9 wb0 he\"><div class=\"t m0 xc h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.664 </div></td><td class=\"c x1e8 y12b9 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.764 </div></td></tr><tr><td class=\"c x174 y12ba w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12ba wb0 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12ba w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y12bb w8d hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12bc w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12bc wb0 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x1e8 y12bc w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">107.039 </div></td></tr><tr><td class=\"c x174 y12bd w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12bd wb0 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.010 </div></td><td class=\"c x1e8 y12bd w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.123 </div></td></tr><tr><td class=\"c x174 y12be w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12be wb0 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">794.876 </div></td><td class=\"c x1e8 y12be w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">742.253 </div></td></tr><tr><td class=\"c x174 y12bf w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12bf wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.484.850 </div></td><td class=\"c x1e8 y12bf w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.330.232 </div></td></tr><tr><td class=\"c x174 y12c0 w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12c0 wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12c0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr></table><div class=\"gsa\"><table class=\"s w2d0 h1a9\" id=\"_e3c56423-e9ce-4dfc-ad44-4d34f52e7f1a\"><tr><td class=\"c x174 y131e w76 h83\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">28) Nachrangkapital </div></td><td class=\"c x1e7 y131e w81 h83\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y131e w75 h83\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131f w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Begebene nachrangige Schuldverschreibun<span class=\"_ _0\"></span>gen inkl. Erg\u00e4nzungskapital<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131f w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y131f w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr><tr><td class=\"c x174 y1320 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Hybridkapital </div></td><td class=\"c x1e7 y1320 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1320 w75 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1321 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x1e7 y1321 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1321 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table></div><div class=\"gs16a\"><table class=\"s w2ec h1aa\" id=\"_ccbf5ff3-ee57-4b7d-8759-a1e2ff6dab90\"><tr><td class=\"c x174 y1322 w76 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital nach Fristen </div></td><td></td></tr><tr><td class=\"c x174 y1323 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1323 w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.822 </div></td><td class=\"c x1e8 y1323 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.227 </div></td></tr><tr><td class=\"c x174 y1324 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1324 w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.269 </div></td><td class=\"c x1e8 y1324 w75 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x174 y1325 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1325 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">219.374 </div></td><td class=\"c x1e8 y1325 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">291.052 </div></td></tr><tr><td class=\"c x174 y1326 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1326 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">204.247 </div></td><td class=\"c x1e8 y1326 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.087 </div></td></tr><tr><td class=\"c x174 y1327 w76 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital  </div></td><td class=\"c x1e7 y1327 w81 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1327 w75 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table></div><div class=\"gs16b\"><table class=\"s w2ec h1ab\" id=\"_fd8a1a6c-1ec6-4681-bf50-4e50b1f99ce5\"><tr><td class=\"c x174 y1328 w76 h84\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Nachrangkapital </div></td><td></td></tr><tr><td class=\"c x174 y1329 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand 1.1. </div></td><td class=\"c x1e7 y1329 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td><td class=\"c x1e8 y1329 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">485.775 </div></td></tr><tr><td class=\"c x174 y132a w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungswirksame Ver\u00e4nderungen </div></td><td class=\"c x1e7 y132a w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.844 </div></td><td class=\"c x1e8 y132a w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.828 </div></td></tr><tr><td class=\"c x174 y132b w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einzahlungen aus E<span class=\"_ _0\"></span>missionen </div></td><td class=\"c x1e7 y132b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.844 </div></td><td class=\"c x1e8 y132b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">43.079 </div></td></tr><tr><td class=\"c x174 y132c w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon R\u00fcckkauf/R\u00fcckzahlun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y132c w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-30.000 </div></td><td class=\"c x1e8 y132c w75 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.251 </div></td></tr><tr><td class=\"c x174 y132d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht zahlungswirksame Ver\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x1e7 y132d w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.500 </div></td><td class=\"c x1e8 y132d w75 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.235 </div></td></tr><tr><td class=\"c x174 y132e w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon Ver\u00e4nderungen des b<span class=\"_ _0\"></span>eizulegenden Zeitwerts </div></td><td class=\"c x1e7 y132e w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-39.266 </div></td><td class=\"c x1e8 y132e w75 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.207 </div></td></tr><tr><td class=\"c x174 y132f w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon sonstige \u00c4nd<span class=\"_ _0\"></span>erungen </div></td><td class=\"c x1e7 y132f w81 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.234 </div></td><td class=\"c x1e8 y132f w75 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">28</span> </div></td></tr><tr><td class=\"c x174 y1330 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand 31.12. </div></td><td class=\"c x1e7 y1330 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1330 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-481": {
   "value": "<table class=\"s w30b h19a\" id=\"_42e951ce-24b4-4e5e-a23c-2435b81688e8\"><tr><td class=\"c x1a7 y1297 w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">22) Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1297 w91 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y1297 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1298 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber inl\u00e4nd<span class=\"_ _0\"></span>ischen Kreditinstituten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1298 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.426.246 </div></td><td class=\"c x1e4 y1298 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.980.517 </div></td></tr><tr><td class=\"c x1a7 y1299 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber ausl\u00e4n<span class=\"_ _0\"></span>dischen Kreditinstituten </div></td><td class=\"c x1e3 y1299 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.022.489 </div></td><td class=\"c x1e4 y1299 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.912.821 </div></td></tr><tr><td class=\"c x1a7 y129a w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x1e3 y129a w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td class=\"c x1e4 y129a w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x1a7 y129b w90 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinstituten nach Friste<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y129c w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e3 y129c w91 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">777.734 </div></td><td class=\"c x1e4 y129c w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">749.160 </div></td></tr><tr><td class=\"c x1a7 y129d w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monat<span class=\"_ _0\"></span>e </div></td><td class=\"c x1e3 y129d w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.797 </div></td><td class=\"c x1e4 y129d w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">247.719 </div></td></tr><tr><td class=\"c x1a7 y129e w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e3 y129e w91 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.208 </div></td><td class=\"c x1e4 y129e w92 hf\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">33<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y129f w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e3 y129f w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.666.362 </div></td><td class=\"c x1e4 y129f w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.475.286 </div></td></tr><tr><td class=\"c x1a7 y12a0 w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e3 y12a0 w91 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.691.634 </div></td><td class=\"c x1e4 y12a0 w92 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.421.140 </div></td></tr><tr><td class=\"c x1a7 y12a1 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kreditinst<span class=\"_ _0\"></span>ituten </div></td><td class=\"c x1e3 y12a1 w91 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td class=\"c x1e4 y12a1 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x178 y12a2 w30c h199\"><div class=\"t m0 x177 h17 y1294 ff4 fs4 fc2 sc0 ls0 ws0\">Im Bilanzposte<span class=\"_ _5\"></span>n Verbindl<span class=\"_ _5\"></span>ichkeiten gegen\u00fcber Kre<span class=\"_ _5\"></span>ditinstit<span class=\"_ _5\"></span>uten ist ein <span class=\"_ _5\"></span>Betrag von 800 Mio. Euro<span class=\"_ _5\"></span> (VJ: 2.300 Mio. E<span class=\"_ _5\"></span>uro) aus<span class=\"_ _5\"></span> dem TLTRO III Ref<span class=\"_ _5\"></span>inanzie-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">rungsprogramm de<span class=\"_ _5\"></span>r EZB ent<span class=\"_ _5\"></span>halten. Im Gesch\u00e4f<span class=\"_ _5\"></span>tsjahr 2022 wur<span class=\"_ _5\"></span>den zwei vor<span class=\"_ _5\"></span>zeitige R\u00fcc<span class=\"_ _5\"></span>kzahlungen dur<span class=\"_ _5\"></span>chgef\u00fchrt. Im Nove<span class=\"_ _5\"></span>mber 2022 wurden 500<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a3 w30d h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mio. Euro und <span class=\"_ _5\"></span>im Dezember 2022 <span class=\"_ _5\"></span>zus\u00e4tzlic<span class=\"_ _5\"></span>h 1.000 Mio. Euro<span class=\"_ _5\"></span> r\u00fcckgef\u00fch<span class=\"_ _5\"></span>rt, wodurch si<span class=\"_ _5\"></span>ch das Ausma\u00df de<span class=\"_ _5\"></span>r aufgenommenen Re<span class=\"_ _5\"></span>finanzierun<span class=\"_ _5\"></span>gen per<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a4 w30e h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">31.12.2022 auf 800<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x21e y12a4 w30f h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mi<span class=\"_ _5\"></span>o. Euro redu<span class=\"_ _5\"></span>ziert hat<span class=\"_ _5\"></span>. Die urspr\u00fcngli<span class=\"_ _5\"></span>ch zwischen Juni<span class=\"_ _5\"></span> 2020 und September 2021 auf<span class=\"_ _3d\"></span>genommenen Refina<span class=\"_ _5\"></span>nzierungen wurden<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y12a5 w310 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">bis Ende Jun<span class=\"_ _5\"></span>i mit dem bi<span class=\"_ _5\"></span>s dahin noch g\u00fcltigen <span class=\"_ _5\"></span>Einlagenzinssat<span class=\"_ _5\"></span>z der EZB von <span class=\"ff9\">\u2013</span> 0,5 % ve<span class=\"_ _5\"></span>rzinst. F\u00fcr d<span class=\"_ _5\"></span>ie Verzinsun<span class=\"_ _5\"></span>g ab Juni 2022 bi<span class=\"_ _5\"></span>s 23. November<span class=\"_ _5\"></span> 2022<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a6 w311 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">wurde der d<span class=\"_ _5\"></span>urchschnittl<span class=\"_ _5\"></span>iche Einlagensat<span class=\"_ _5\"></span>z seit Be<span class=\"_ _5\"></span>ginn der Transakt<span class=\"_ _5\"></span>ion herangezogen. Ab 23. No<span class=\"_ _5\"></span>vember<span class=\"_ _5\"></span> 2022 ist der durchs<span class=\"_ _5\"></span>chnittliche<span class=\"_ _5\"></span> Leitzinssatz<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a7 w312 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">der EZB bi<span class=\"_ _5\"></span>s zum Ende der Lauf<span class=\"_ _5\"></span>zeit bzw. bis zur v<span class=\"_ _5\"></span>orzeiti<span class=\"_ _5\"></span>gen R\u00fcckzahlun<span class=\"_ _5\"></span>g des jeweil<span class=\"_ _5\"></span>igen Refinanzie<span class=\"_ _5\"></span>rungsprogrammes der<span class=\"_ _5\"></span> ma\u00dfgebliche Zinssat<span class=\"_ _5\"></span>z.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12a8 w313 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Dieser Zins<span class=\"_ _5\"></span>satz stellte<span class=\"_ _5\"></span> im Vergleich zu Einl<span class=\"_ _5\"></span>agen unsere<span class=\"_ _5\"></span>r Kunden und <span class=\"_ _5\"></span>anderen vergleichbare<span class=\"_ _5\"></span>n, besicherten R<span class=\"_ _5\"></span>efinanzierungen eine<span class=\"_ _5\"></span> marktk<span class=\"_ _5\"></span>onforme<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y12ab w314 h19b\"><div class=\"t m0 x177 h17 y12a9 ff4 fs4 fc2 sc0 ls0 ws0\">Refinanzie<span class=\"_ _5\"></span>rung dar. Wir h<span class=\"_ _5\"></span>aben die Fi<span class=\"_ _5\"></span>nanzierungsverbi<span class=\"_ _5\"></span>ndlichkeit<span class=\"_ _5\"></span> daher als Finanzinst<span class=\"_ _5\"></span>rument gem\u00e4\u00df IFR<span class=\"_ _5\"></span>S 9 erfasst<span class=\"_ _5\"></span>. Zus\u00e4tzli<span class=\"_ _5\"></span>ch haben wir das erforde<span class=\"_ _5\"></span>r-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y12aa ff4 fs4 fc2 sc0 ls0 ws0\">liche Kre<span class=\"_ _5\"></span>ditwachstum er<span class=\"_ _5\"></span>reicht und n<span class=\"_ _5\"></span>eben der Ver<span class=\"_ _5\"></span>zinsung eine Bonif<span class=\"_ _5\"></span>ikation in H\u00f6he von <span class=\"_ _5\"></span>0,5 % bis Ende Jun<span class=\"_ _5\"></span>i 2022 erhal<span class=\"_ _5\"></span>ten. Der ver<span class=\"_ _5\"></span>einnahmte Zins<span class=\"_ _5\"></span>er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">trag f\u00fcr di<span class=\"_ _5\"></span>e negativen R<span class=\"_ _5\"></span>efinanzierungszinse<span class=\"_ _5\"></span>n f\u00fcr das<span class=\"_ _5\"></span> Gesch\u00e4ftsjahr<span class=\"_ _5\"></span> 2022 betrug 17,0 Mio. Euro<span class=\"_ _5\"></span>. Darin i<span class=\"_ _5\"></span>st eine Bonif<span class=\"_ _5\"></span>ikation in H\u00f6he von 11,5 Mi<span class=\"_ _5\"></span>o.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y115e w315 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Euro enthal<span class=\"_ _5\"></span>ten. Die k\u00fcnfti<span class=\"_ _5\"></span>ge Verzinsung h\u00e4ngt von <span class=\"_ _5\"></span>der weit<span class=\"_ _5\"></span>eren Entwi<span class=\"_ _5\"></span>cklung der Einlagenzinss\u00e4<span class=\"_ _5\"></span>tze ab, womit<span class=\"_ _5\"></span> die Auswi<span class=\"_ _5\"></span>rkung auf das<span class=\"_ _5\"></span> zuk\u00fcnfti<span class=\"_ _5\"></span>ge<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1296 w316 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Zinsergebn<span class=\"_ _5\"></span>is noch nicht abgesc<span class=\"_ _5\"></span>h\u00e4tzt werde<span class=\"_ _5\"></span>n kann. Zum St<span class=\"_ _5\"></span>ichtag wurde<span class=\"_ _5\"></span> mit eine<span class=\"_ _5\"></span>m durchschnittli<span class=\"_ _5\"></span>chen Zinssat<span class=\"_ _5\"></span>z in H\u00f6he von 1,63 % gerechnet.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1160 w317 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Es ist geplan<span class=\"_ _5\"></span>t, die per<span class=\"_ _5\"></span> 31.12.2022 bestehe<span class=\"_ _5\"></span>nden Refina<span class=\"_ _5\"></span>nzierungen bis <span class=\"_ _5\"></span>zur Endlaufzeit zu halt<span class=\"_ _5\"></span>en, und zwar 450 Mi<span class=\"_ _5\"></span>o. Euro bis <span class=\"_ _5\"></span>M\u00e4rz 2024, weitere 250<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w318 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Mio. Euro bi<span class=\"_ _5\"></span>s Juni 2024 und di<span class=\"_ _5\"></span>e restlichen <span class=\"_ _5\"></span>100 Mio. Euro b<span class=\"_ _5\"></span>is September<span class=\"_ _5\"></span> 2024.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-482": {
   "value": "<table class=\"s w2ec h19c\" id=\"_d5d253a1-c671-4d62-8a5b-34cf6817fd46\"><tr><td class=\"c x174 y12ac w90 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">23) Verbindlichkeiten gegen\u00fcber <span class=\"_ _0\"></span>Kunden </div></td><td class=\"c x1e7 y12ac w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12ac w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12ad w90 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Spareinlagen </div></td><td class=\"c x1e7 y12ad w8e he\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.167.226 </div></td><td class=\"c x1e8 y12ad w82 he\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.534.685 </div></td></tr><tr><td class=\"c x174 y12ae w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x1e7 y12ae w8e hf\"><div class=\"t m0 x70 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">12.894.129 </div></td><td class=\"c x1e8 y12ae w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.193.904 </div></td></tr><tr><td class=\"c x174 y12af w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x1e7 y12af w8e hf\"><div class=\"t m0 x70 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td class=\"c x1e8 y12af w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x174 y12b0 w90 hd\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kunden nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12b1 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T\u00e4glich f\u00e4llig </div></td><td class=\"c x1e7 y12b1 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.834.782 </div></td><td class=\"c x1e8 y12b1 w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.183.297 </div></td></tr><tr><td class=\"c x174 y12b2 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12b2 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">997.858 </div></td><td class=\"c x1e8 y12b2 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">357.721 </div></td></tr><tr><td class=\"c x174 y12b3 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12b3 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">713.925 </div></td><td class=\"c x1e8 y12b3 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.958 </div></td></tr><tr><td class=\"c x174 y12b4 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12b4 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">379.018 </div></td><td class=\"c x1e8 y12b4 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">393.095 </div></td></tr><tr><td class=\"c x174 y12b5 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12b5 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.772 </div></td><td class=\"c x1e8 y12b5 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">239.518 </div></td></tr><tr><td class=\"c x174 y12b6 w90 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gegen\u00fcber Kund<span class=\"_ _0\"></span>en </div></td><td class=\"c x1e7 y12b6 w8e hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td><td class=\"c x1e8 y12b6 w82 hf\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "<table class=\"s w2ec h19d\" id=\"_ec1d5bd5-dacd-421c-b8fe-d00fa5ebda1e\"><tr><td class=\"c x174 y12b7 w8d hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">24) Verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b7 wb0 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12b7 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12b8 w8d hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Begebene Schuldverschreibu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y12b8 wb0 hd\"><div class=\"t m0 x8c h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">2.397.353 </div></td><td class=\"c x1e8 y12b8 w82 hd\"><div class=\"t m0 x8c h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">2.192.883 </div></td></tr><tr><td class=\"c x174 y12b9 w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere verbriefte Verbindlichkeiten<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12b9 wb0 he\"><div class=\"t m0 xc h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.664 </div></td><td class=\"c x1e8 y12b9 w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.764 </div></td></tr><tr><td class=\"c x174 y12ba w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12ba wb0 hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12ba w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y12bb w8d hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten nach Fristen<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12bc w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y12bc wb0 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x1e8 y12bc w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">107.039 </div></td></tr><tr><td class=\"c x174 y12bd w8d he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y12bd wb0 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.010 </div></td><td class=\"c x1e8 y12bd w82 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.123 </div></td></tr><tr><td class=\"c x174 y12be w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y12be wb0 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">794.876 </div></td><td class=\"c x1e8 y12be w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">742.253 </div></td></tr><tr><td class=\"c x174 y12bf w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y12bf wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.484.850 </div></td><td class=\"c x1e8 y12bf w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.330.232 </div></td></tr><tr><td class=\"c x174 y12c0 w8d hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x1e7 y12c0 wb0 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x1e8 y12c0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr></table>58) Wertpapieraufgliederung nach BWG in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span><table class=\"s w482 h221\" id=\"_629a30fa-3b8e-4211-ab02-52aab9ea5148\"><tr><td></td><td class=\"c x3bd y17f7 w483 h158\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Nicht b\u00f6r-<span class=\"_ _128\"> </span></div></td><td class=\"c x3be y17f7 w484 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wie AV bewer-<span class=\"_ _128\"> </span></div></td><td class=\"c x3bf y17f7 w485 h158\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Andere Bewer-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x3c0 y17f8 w486 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sennotiert<span class=\"_ _128\"> </span></div></td><td class=\"c x3c1 y17f9 w1c9 h34\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">B\u00f6rsennotiert </div></td><td class=\"c x3c2 y17f8 w487 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">tet<span class=\"_ _128\"> </span></div></td><td class=\"c x3c3 y17f8 w488 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">tung<span class=\"_ _128\"> </span></div></td><td class=\"c x3c4 y17f9 w1cc h34\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y17fa w489 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen u. a.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17fb w48a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">festverzinsliche Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x3c5 y17fc w1c8 h44\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.305 </div></td><td class=\"c x3c1 y17fc w1c9 h44\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.981.885 </div></td><td class=\"c x3c6 y17fc w1ca h44\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.781.315 </div></td><td class=\"c x3c7 y17fc w1cb h44\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.875 </div></td><td class=\"c x3c4 y17fc w1cc h44\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.128.190 </div></td></tr><tr><td class=\"c x3c8 y17fd w1c7 h28\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Aktien u. a. nicht festverzins-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">liche Wertpapiere </div></td><td class=\"c x3c5 y17fd w1c8 h28\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">155.232 </div></td><td class=\"c x3c1 y17fd w1c9 h28\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.263 </div></td><td class=\"c x3c6 y17fd w1ca h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.201 </div></td><td class=\"c x3c7 y17fd w1cb h28\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.294 </div></td><td class=\"c x3c4 y17fd w1cc h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">218.495 </div></td></tr><tr><td class=\"c x3c8 y17fe w1c7 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Beteiligungen </div></td><td class=\"c x3c5 y17fe w1c8 hd\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.508 </div></td><td class=\"c x3c1 y17fe w1c9 hd\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">317.572 </div></td><td class=\"c x3c6 y17fe w1ca hd\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">460.080 </div></td><td class=\"c x3c7 y17fe w1cb hd\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c4 y17fe w1cc hd\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">460.080 </div></td></tr><tr><td class=\"c x3c8 y17ff w1c7 h28\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Anteile an verbun<span class=\"_ _0\"></span>denen Un-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ternehmen </div></td><td class=\"c x3c5 y17ff w1c8 h28\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td><td class=\"c x3c1 y17ff w1c9 h28\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c6 y17ff w1ca h28\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td><td class=\"c x3c7 y17ff w1cb h28\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x3c4 y17ff w1cc h28\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.358 </div></td></tr><tr><td></td><td class=\"c x3c5 y1800 w1c8 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">564.403<span class=\"ls0\"> </span></div></td><td class=\"c x3c1 y1800 w1c9 hf\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.362.720<span class=\"ls0\"> </span></div></td><td class=\"c x3c6 y1800 w1ca hf\"><div class=\"t m0 x9f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.416.954<span class=\"ls0\"> </span></div></td><td class=\"c x3c7 y1800 w1cb hf\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">510.169<span class=\"ls0\"> </span></div></td><td class=\"c x3c4 y1800 w1cc hf\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.927.123<span class=\"ls0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-411": {
   "value": "<table class=\"s w2ec h19e\" id=\"_121736cb-db37-462b-9425-247de66ac81e\"><tr><td class=\"c x174 y12c1 wb1 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">25) R\u00fcckstellungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c1 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12c1 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12c2 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abfertigungs- und<span class=\"_ _0\"></span> Pensionsr\u00fcckstellung<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c2 w74 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c2 w82 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c3 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcckstellung<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c3 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c3 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c4 wb1 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen f\u00fcr das Kred<span class=\"_ _0\"></span>itgesch\u00e4ft<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c4 w74 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.497<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c4 w82 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.250<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c5 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12c5 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.506<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c5 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.349<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x174 y12c6 wb1 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e7 y12c6 w74 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.621<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e8 y12c6 w82 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">364.802 </div></td></tr><tr><td class=\"c x174 y12c7 w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der R\u00fcckstellung f\u00fcr Abfertigungen un<span class=\"_ _0\"></span>d Pensionen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12c7 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12c7 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12c8 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellung zum 1.1. </div></td><td class=\"c x1e7 y12c8 w8e he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295 </div></td><td class=\"c x1e8 y12c8 w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.775 </div></td></tr><tr><td class=\"c x174 y12c9 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung/Aufl\u00f6sung Ab<span class=\"_ _0\"></span>fertigungsr\u00fcckstellung </div></td><td class=\"c x1e7 y12c9 w8e hf\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-8.918 </div></td><td class=\"c x1e8 y12c9 w92 hf\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-5.174 </div></td></tr><tr><td class=\"c x174 y12ca w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung/Aufl\u00f6sung Pensio<span class=\"_ _0\"></span>nsr\u00fcckstellung </div></td><td class=\"c x1e7 y12ca w8e hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-33.854 </div></td><td class=\"c x1e8 y12ca w92 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-17.306 </div></td></tr><tr><td class=\"c x174 y12cb w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R\u00fcckstellung zum 31.12. </div></td><td class=\"c x1e7 y12cb w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.523 </div></td><td class=\"c x1e8 y12cb w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">179.295 </div></td></tr><tr><td class=\"c x174 y12cc w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Darstellung leistungsorientierter <span class=\"_ _0\"></span>Verpflichtungen gem. IAS 19<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y12cc w8e hf\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y12cc w92 hf\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12cd w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Planverm\u00f6gen </div></td><td class=\"c x1e7 y12cd w8e hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y12cd w92 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12ce w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abfertigungsr\u00fcckstellung </div></td><td class=\"c x1e7 y12ce w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.209 </div></td><td class=\"c x1e8 y12ce w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.126 </div></td></tr><tr><td class=\"c x174 y12cf w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsr\u00fcckstellung </div></td><td class=\"c x1e7 y12cf w8e he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.314 </div></td><td class=\"c x1e8 y12cf w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.169 </div></td></tr><tr><td class=\"c x174 y12d0 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcckstellung </div></td><td class=\"c x1e7 y12d0 w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095 </div></td><td class=\"c x1e8 y12d0 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908 </div></td></tr><tr><td class=\"c x174 y12d1 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Summe leistungsorientierte Versorgun<span class=\"_ _0\"></span>gspl\u00e4ne </div></td><td class=\"c x1e7 y12d1 w8e hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">148.618 </div></td><td class=\"c x1e8 y12d1 w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">194.203 </div></td></tr></table>Die leistungsorientiert<span class=\"_ _0\"></span>en Versorgungspl\u00e4ne des Oberbank Konzerns umfassen Ab<span class=\"_ _0\"></span>fertigungs<span class=\"_ _0\"></span>-, Pensions- und Ju<span class=\"_ _0\"></span>bil\u00e4umsgeld-<span class=\"_ _128\"> </span>verpflichtungen.<span class=\"_ _128\"> </span>Die rechtlichen Grundlagen der Abfert<span class=\"_ _0\"></span>igungsr\u00fcckstellung stellen das Angestelltengesetz (\u00a7 23) so<span class=\"_ _0\"></span>wie der Banken<span class=\"_ _1\"></span>-Kollektiv-<span class=\"_ _128\"> </span>vertrag (\u00a7 32) dar<span class=\"_ _0\"></span>. Gem\u00e4\u00df \u00a7 32 des Kollektivvertrags erhalten Dienstn<span class=\"_ _0\"></span>ehmerInnen mit mindestens f\u00fcnfj\u00e4hriger Dienst<span class=\"_ _0\"></span>zeit<span class=\"_ _128\"> </span>eine Abfertigung im Ausma\u00df<span class=\"_ _0\"></span> von zwei Monatsentgelten zus\u00e4tzlich zu den An<span class=\"_ _0\"></span>spr\u00fcchen gem\u00e4\u00df AngGes (\u201eAbfertigung alt<span class=\"_ _0\"></span>\u201c)<span class=\"_ _128\"> </span>bzw. BMSVG (\u201eAb<span class=\"_ _0\"></span>fertigung neu\u201c). Per 31.12.2022 sind 663 P<span class=\"_ _0\"></span>ersonen im System \u201eAbfert<span class=\"_ _0\"></span>igung alt\u201c (92,7 % der Gesamtr\u00fcck-<span class=\"_ _128\"> </span>stellung) und 1.217 Person<span class=\"_ _0\"></span>en im System \u201eAbfertigung neu\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Die rechtlichen Grundlagen der Pension<span class=\"_ _0\"></span>sr\u00fcckstellung stellen der Kollektivvertrag b<span class=\"_ _0\"></span>etreffend die Neuregelung des<span class=\"_ _0\"></span> Pensions-<span class=\"_ _128\"> </span>rechts (Pensionsreform 1997) sow<span class=\"_ _0\"></span>ie einzelvertragliche Pensionszusagen dar. <span class=\"_ _0\"></span>Mit Stand per 31.12.2022 umfasst die Pension<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>r\u00fcckstellung im Oberban<span class=\"_ _0\"></span>k Konzern 492 Pensionsempf\u00e4ngerInnen (75,8 % der Gesamt<span class=\"_ _0\"></span>r\u00fcckstellung) und 263 aktive Dienstneh<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>merInnen (24,2 %<span class=\"_ _0\"></span> der Gesamtr\u00fcckstellung). Der Gro\u00dfteil der aktiven D<span class=\"_ _0\"></span>ienstnehmerInnen (261) besitzt eine Anw<span class=\"_ _0\"></span>artschaft auf<span class=\"_ _128\"> </span>eine Besitzstandspension, d<span class=\"_ _0\"></span>ie mit Stichtag 1.1.1997 ermittelt wurde und d<span class=\"_ _0\"></span>eren Wert j\u00e4hrlich im Ausma\u00df der kollektivvertrag-<span class=\"_ _128\"> </span>lichen Gehaltserh\u00f6hun<span class=\"_ _0\"></span>g angepasst wird. Au<span class=\"_ _0\"></span>f diesen Personenkreis entfallen 12,5 % der Gesamtr\u00fcckstellung.<span class=\"_ _0\"></span> Zu nennende Risiken im Zusammenhang mi<span class=\"_ _0\"></span>t der Pensionsr\u00fcckstellung<span class=\"_ _0\"></span> Berufsunf\u00e4higkeit: Im Fall der Zuerkennung einer Beru<span class=\"_ _0\"></span>fsunf\u00e4higkeitspension kommt w<span class=\"_ _0\"></span>ieder das vor dem 1.1.1997 <span class=\"_ _0\"></span>geltende<span class=\"_ _128\"> </span>Pensionsrecht zur Anwendun<span class=\"_ _0\"></span>g, das hei\u00dft, die anfallende Bankleistung ist<span class=\"_ _0\"></span> eine \u00dcbergangspension (Gesamtp<span class=\"_ _0\"></span>ension) auf Basis<span class=\"_ _128\"> </span>des Letztbezugs unt<span class=\"_ _0\"></span>er Anrechnung der von der Bank finanzierten Pensionska<span class=\"_ _0\"></span>ssenleistung. 2022 wurde keine Berufsun<span class=\"_ _0\"></span>f\u00e4hig-<span class=\"_ _128\"> </span>keitspension zu<span class=\"_ _0\"></span>erkannt. <span class=\"_ _7\"> </span> Administrativpension: Akt<span class=\"_ _0\"></span>ive DienstnehmerInnen, die Anwartschaft auf eine Besitzstan<span class=\"_ _0\"></span>dspension haben, erhalten bei K\u00fcndi-<span class=\"_ _128\"> </span>gung durch die Bank eine au<span class=\"_ _0\"></span>f Basis des Letztbezugs zu berechnende Administ<span class=\"_ _0\"></span>rativpension, die so<span class=\"_ _0\"></span> lange zu b<span class=\"_ _0\"></span>ezahlen ist, bis<span class=\"_ _128\"> </span>Anspruch auf eine ASVG<span class=\"_ _0\"></span>-Pension besteht. Ab diesem Zeitpun<span class=\"_ _0\"></span>kt gelangt dann eine \u00dcbergangspension zu<span class=\"_ _0\"></span>r Auszahlung <span class=\"_ _0\"></span> (Einrechnung einer fiktiven ASVG<span class=\"_ _0\"></span>-Pension). 2022 gab es keinen so<span class=\"_ _0\"></span>lchen Fall.<span class=\"_ _128\"> </span>Die rechtliche Grundlage der Jubil\u00e4u<span class=\"_ _0\"></span>msgeldr\u00fcckst<span class=\"_ _0\"></span>ellung stellt die Betriebsvereinbarung d<span class=\"_ _0\"></span>ar. Der Anspruch ist wie folgt ge-<span class=\"_ _128\"> </span>staffelt: bei 25 Dienstjah<span class=\"_ _0\"></span>ren drei Monatsgeh\u00e4lter und bei 40 Dienstjahren vier Monat<span class=\"_ _0\"></span>sgeh\u00e4lter. Mit Stand per 31.12.2022 ist<span class=\"_ _0\"></span> die Jubil\u00e4umsgeldr\u00fcckstellun<span class=\"_ _0\"></span>g f\u00fcr 1.443 Personen gebi<span class=\"_ _0\"></span>ldet. 431 Personen sind ohne R\u00fcckstellun<span class=\"_ _0\"></span>g (bei 41 Personen wurde<span class=\"_ _128\"> </span>das Jubil\u00e4umsgeld bereits <span class=\"_ _0\"></span>ausbezahlt, bei 306 Personen liegt der Pensionsst<span class=\"_ _0\"></span>ichtag vor Erreichen des Jubil\u00e4ums, 84 Personen<span class=\"_ _128\"> </span>sind im 2. HJ 2022 eingetreten <span class=\"ff9\">\u2013</span> f\u00fcr<span class=\"_ _0\"></span> diesen Personenkreis wird keine<span class=\"_ _0\"></span> R\u00fcckstellung gebildet). <span class=\"_ _0\"></span> <table class=\"s w319 h19f\" id=\"_1901c204-8901-449d-bc57-da9bb65458e9\"><tr><td class=\"c x174 y12d2 wb2 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der R\u00fcckstellung f\u00fcr Abfertigungen, Pensione<span class=\"_ _0\"></span>n u. \u00e4hnliche Verpflichtungen<span class=\"_ _1\"></span> </div></td><td class=\"c x21f y12d2 wb3 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d2 wb4 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d3 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Barwert leistungsorientierter Verpflichtungen zum 1.1.<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12d3 wb3 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">194.203<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d3 wb4 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">217.553<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d4 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksam in der Gewinn-<span class=\"_ _0\"></span>/Verlustrechnung erfasst<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12d5 wb2 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">+ Dienstzeitaufwand </div></td><td class=\"c x21f y12d5 wb3 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.803 </div></td><td class=\"c x220 y12d5 wb4 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.392 </div></td></tr><tr><td class=\"c x174 y12d6 wb2 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">+ Zinsaufwand </div></td><td class=\"c x21f y12d6 wb3 hd\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.383 </div></td><td class=\"c x220 y12d6 wb4 hd\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.619 </div></td></tr><tr><td class=\"c x174 y12d7 wb2 he\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12d7 wb3 he\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">200.389<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12d7 wb4 he\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">223.564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y12d8 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Effekte von Neubewertungen <span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12d9 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutral im Sonstigen Ergebnis erfasst<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12da wb2 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Versicherungsmath<span class=\"_ _0\"></span>ematischer Gewinn/Verlust<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12da wb3 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-35.707 </div></td><td class=\"c x220 y12da wb4 he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.538 </div></td></tr><tr><td class=\"c x174 y12db wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Finanzielle Annahmen </div></td><td class=\"c x21f y12db wb3 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-38.857 </div></td><td class=\"c x220 y12db wb4 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.774 </div></td></tr><tr><td class=\"c x174 y12dc wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Demografische Annahmen </div></td><td class=\"c x21f y12dc wb3 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12dc wb4 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12dd wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Erfahrungsbedingte Annah<span class=\"_ _0\"></span>men </div></td><td class=\"c x21f y12dd wb3 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.150 </div></td><td class=\"c x220 y12dd wb4 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-19.312 </div></td></tr><tr><td class=\"c x174 y12de wb2 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Gewinne/Verlust<span class=\"_ _0\"></span>e des Planverm\u00f6gens </div></td><td class=\"c x21f y12de wb3 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12de wb4 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12df wb2 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-/+ Gewinne/Verlust<span class=\"_ _0\"></span>e aus Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x21f y12df wb3 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12df wb4 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e0 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksam in der Gewinn-<span class=\"_ _0\"></span> und Verlustrechnung erfass<span class=\"_ _0\"></span>t </div></td><td class=\"c x21f y12e0 wb3 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.422 </div></td><td class=\"c x220 y12e0 wb4 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.710 </div></td></tr><tr><td class=\"c x174 y12e1 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12e1 wb3 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">39.129</span> </div></td><td class=\"c x220 y12e1 wb4 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">18.248</span> </div></td></tr><tr><td class=\"c x174 y12e2 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">\u00dcbrige </div></td><td></td><td></td></tr><tr><td class=\"c x174 y12e3 wb2 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Geleistete Zahlungen aus Plan<span class=\"_ _0\"></span>abgeltung </div></td><td class=\"c x21f y12e3 wb3 hd\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12e3 wb4 hd\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e4 wb2 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- Zahlungen im Berichtsjahr </div></td><td class=\"c x21f y12e4 wb3 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.642 </div></td><td class=\"c x220 y12e4 wb4 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-11.113 </div></td></tr><tr><td class=\"c x174 y12e5 wb2 he\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- \u00fcbrige Ver\u00e4nd<span class=\"_ _0\"></span>erungen </div></td><td class=\"c x21f y12e5 wb3 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x220 y12e5 wb4 he\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y12e6 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zwischensumme </div></td><td class=\"c x21f y12e6 wb3 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">12.642</span> </div></td><td class=\"c x220 y12e6 wb4 hf\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">11.113</span> </div></td></tr><tr><td class=\"c x174 y12e7 wb2 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzierte R\u00fcckstellungen zum 31.12.<span class=\"_ _0\"></span> </div></td><td class=\"c x21f y12e7 wb3 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">148.618<span class=\"ls0\"> </span></div></td><td class=\"c x220 y12e7 wb4 hf\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">194.203<span class=\"ls0\"> </span></div></td></tr></table>Versicherungsmathemat<span class=\"_ _0\"></span>ische Gewinne/Verluste aus Pensions<span class=\"_ _0\"></span>- und Abfertigungsverp<span class=\"_ _0\"></span>flichtungen wurden im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr<span class=\"_ _128\"> </span>erfolgsneutral im son<span class=\"_ _0\"></span>stigen Ergebnis (OCI) erfasst. Die Betr\u00e4ge werden sp<span class=\"_ _0\"></span>\u00e4ter nicht reklassifiziert, eine \u00dcbertragung inner-<span class=\"_ _128\"> </span>halb des Eigenkap<span class=\"_ _0\"></span>itals ist allerdings zul\u00e4ssig. Versicherungsmathematische Gewin<span class=\"_ _0\"></span>ne/Verluste aus Jubil\u00e4u<span class=\"_ _0\"></span>msgeldr\u00fcckstellun-<span class=\"_ _128\"> </span>gen werden in der Gewinn<span class=\"_ _0\"></span>- und Verlustrechnun<span class=\"_ _0\"></span>g im Personalaufwand erfasst.<span class=\"_ _0\"></span> <table class=\"s w31a h1a0\" id=\"_c5194486-e6e9-43fe-8542-62a012ac28d3\"><tr><td class=\"c x178 y12e8 w31b h1a1\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wesentliche versicherungsmathematische Annahmen zur Er<span class=\"_ _0\"></span>mittlung<span class=\"_ _128\"> </span></div></td><td class=\"c x221 y12e9 wb6 h7f\"><div class=\"t m0 x6 h6 y6ff ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x222 y12e9 wb7 h7f\"><div class=\"t m0 x6 h6 y6ff ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y12ea w31c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">der Barwerte der leistungsorientierten Verpflichtungen<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y12eb wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz </div></td><td class=\"c x221 y12eb wb6 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3,75 % </div></td><td class=\"c x222 y12eb wb7 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1,25 % </div></td></tr><tr><td class=\"c x174 y12ec wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung </div></td><td class=\"c x221 y12ec wb6 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2,84 % </div></td><td class=\"c x222 y12ec wb7 hf\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2,63 % </div></td></tr><tr><td class=\"c x174 y12ed wb5 he\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung </div></td><td class=\"c x221 y12ed wb6 he\"><div class=\"t m0 x40 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1,89 % </div></td><td class=\"c x222 y12ed wb7 he\"><div class=\"t m0 x40 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1,67 % </div></td></tr><tr><td class=\"c x174 y12ee wb5 hf\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Fluktuation </div></td><td class=\"c x221 y12ee wb6 hf\"><div class=\"t m0 xa8 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">keine </div></td><td class=\"c x222 y12ee wb7 hf\"><div class=\"t m0 xa8 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">keine </div></td></tr><tr><td class=\"c x174 y12ef wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsantrittsalter Frauen </div></td><td class=\"c x221 y12ef wb6 hf\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ff9 ls0\">\u2013<span class=\"ff4\">65 Jahre</span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div></td><td class=\"c x222 y12ef wb7 hf\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">59<span class=\"ff9 ls0\">\u2013<span class=\"ff4\">65 Jahre</span></span><span class=\"ff9 ls0\"><span class=\"ff4\"> </span></span></div></td></tr><tr><td class=\"c x174 y12f0 wb5 hf\"><div class=\"t m0 x7 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Pensionsantrittsalter M\u00e4nner </div></td><td class=\"c x221 y12f0 wb6 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">65 Jahre </div></td><td class=\"c x222 y12f0 wb7 hf\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">65 Jahre </div></td></tr><tr><td class=\"c x174 y12f1 wb5 he\"><div class=\"t m0 x7 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">Sterbetafeln </div></td><td class=\"c x221 y12f1 wb6 he\"><div class=\"t m0 x41 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">AV\u00d6 2018 </div></td><td class=\"c x222 y12f1 wb7 he\"><div class=\"t m0 x41 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">AV\u00d6 2018 </div></td></tr></table>Unter der Annahme unver\u00e4ndert<span class=\"_ _0\"></span>er Berechnungsparameter wird mit einer Aufl\u00f6<span class=\"_ _0\"></span>sung im Gesch\u00e4ftsjahr 2023 der R\u00fcck<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>stellungen f\u00fcr Abfert<span class=\"_ _0\"></span>igungen, Pensionen und \u00e4hnliche Verpflichtungen in H\u00f6h<span class=\"_ _0\"></span>e von rund 2,1 Mio. Euro gerechnet. <span class=\"_ _0\"></span> Die Barwerte der leistungsorientierten V<span class=\"_ _0\"></span>erpflichtungen betrugen f\u00fcr das Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r 2015 190.317 Tsd. Euro, f\u00fcr das Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsjahr 2016 185.058 T<span class=\"_ _0\"></span>sd. Euro, f\u00fcr das Gesch\u00e4ftsjahr 2017 184.732 T<span class=\"_ _0\"></span>sd. Euro, f\u00fcr d<span class=\"_ _0\"></span>as Gesch\u00e4ftsjahr 2018 196.750 Tsd<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Euro, f\u00fcr das Gesch\u00e4ftsjahr 2019 214.503 Tsd. <span class=\"_ _0\"></span>Euro und f\u00fcr das Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr 2020 217.553 Tsd. Euro<span class=\"_ _0\"></span> Sensitivit\u00e4tsanalyse<span class=\"_ _128\"> </span>Die Sensitivit\u00e4tsanalys<span class=\"_ _0\"></span>e zeigt die Auswirkungen au<span class=\"_ _0\"></span>f die leistungsorientierten Verpflichtungen, die bei vern\u00fc<span class=\"_ _0\"></span>nftiger Betrachtungsweise dur<span class=\"_ _0\"></span>ch \u00c4nderungen ma\u00dfgeblicher versicherungsmathematischer Ann<span class=\"_ _0\"></span>ahmen zum Ende der <span class=\"_ _0\"></span> Berichtsperiode m\u00f6glich gewesen w\u00e4r<span class=\"_ _0\"></span>en.<table class=\"s w31d h1a2\" id=\"_ccc49b86-8a98-48f9-91eb-1a12d570d945\"><tr><td class=\"c x174 y12f2 wb8 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x223 y12f2 w70 hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y12f2 wb9 hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y12f2 wba hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y12f3 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz + 0,5 % </div></td><td class=\"c x223 y12f3 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.645 </div></td><td class=\"c x224 y12f3 wb9 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95.328 </div></td><td class=\"c x225 y12f3 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f4 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechenzinssatz <span class=\"ff9\">\u2013</span> 0,5 % </div></td><td class=\"c x223 y12f4 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.861 </div></td><td class=\"c x224 y12f4 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.780 </div></td><td class=\"c x225 y12f4 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f5 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung + 0,5 %<span class=\"_ _0\"></span> </div></td><td class=\"c x223 y12f5 w70 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.868 </div></td><td class=\"c x224 y12f5 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.717 </div></td><td class=\"c x225 y12f5 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f6 wb8 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kollektivvertragserh\u00f6hung <span class=\"_ _0\"></span>- 0,5 % </div></td><td class=\"c x223 y12f6 w70 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.624 </div></td><td class=\"c x224 y12f6 wb9 hd\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99.922 </div></td><td class=\"c x225 y12f6 wba hd\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f7 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung + 0,5 % </div></td><td class=\"c x223 y12f7 w70 hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x224 y12f7 wb9 hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.209 </div></td><td class=\"c x225 y12f7 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12f8 wb8 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Pensionserh\u00f6hung - 0,5 <span class=\"_ _0\"></span>% </div></td><td class=\"c x223 y12f8 w70 hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x224 y12f8 wb9 hf\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95.773 </div></td><td class=\"c x225 y12f8 wba hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Obwohl die Sensitivit<span class=\"_ _0\"></span>\u00e4tsanalyse keine abschlie\u00dfende Darstellung der k\u00fcnftig zu erw<span class=\"_ _0\"></span>artenden Zahlungsstr\u00f6me darstellt, <span class=\"_ _0\"></span> erm\u00f6glicht sie eine Einsch\u00e4tzung der Au<span class=\"_ _0\"></span>swirkungen bei \u00c4nderungen der ma\u00dfgeblichen versicherun<span class=\"_ _0\"></span>gsmathematischen <span class=\"_ _0\"></span> Annahmen.<span class=\"_ _128\"> </span>F\u00e4lligkeitsprofil<span class=\"_ _128\"> </span>In der nachfolgenden T<span class=\"_ _0\"></span>abelle sind die voraussichtlichen Leistungszah<span class=\"_ _0\"></span>lungen in jeder der nachfolgenden Period<span class=\"_ _0\"></span>en darge<span class=\"_ _0\"></span>st<span class=\"_ _0\"></span>ellt:<table class=\"s w31d h1a3\" id=\"_2d55c3f1-3310-4e38-b36a-8610f8d06709\"><tr><td class=\"c x174 y12f9 wbb hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x223 y12f9 wbc hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y12f9 wbd hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y12f9 wbe hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y12fa wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2023<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fa wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.719 </div></td><td class=\"c x224 y12fa wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.073 </div></td><td class=\"c x225 y12fa wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fb wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2024<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fb wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.051 </div></td><td class=\"c x224 y12fb wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.286 </div></td><td class=\"c x225 y12fb wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fc wbb hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">2025<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fc wbc hd\"><div class=\"t m0 x12 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.971 </div></td><td class=\"c x224 y12fc wbd hd\"><div class=\"t m0 x12 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">7.055 </div></td><td class=\"c x225 y12fc wbe hd\"><div class=\"t m0 xb8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fd wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2026<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fd wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.692 </div></td><td class=\"c x224 y12fd wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.826 </div></td><td class=\"c x225 y12fd wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y12fe wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2027<span class=\"ls0\"> </span></div></td><td class=\"c x223 y12fe wbc hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.313 </div></td><td class=\"c x224 y12fe wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.608 </div></td><td class=\"c x225 y12fe wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x178 y12ff w31e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Summe erwarteter Leistun<span class=\"_ _0\"></span>gszahlungen der<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w31f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">folgenden f\u00fcnf Jahr<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span></div></td><td class=\"c x223 y1300 wbc h28\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.746 </div></td><td class=\"c x224 y1300 wbd h28\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.848 </div></td><td class=\"c x225 y1300 wbe h28\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table>Laufzeit<span class=\"_ _128\"> </span>Die folgende Tabelle zeigt die gewichtete d<span class=\"_ _0\"></span>urchschnittliche Laufzeit der leistu<span class=\"_ _0\"></span>ngsorientierten Verpflichtung p<span class=\"_ _0\"></span>er 31.12.2022:<span class=\"_ _0\"></span> <table class=\"s w31d h1a4\" id=\"_68664605-2ca6-4f2a-90c5-6bea2b92be3b\"><tr><td class=\"c x174 y1301 wbb hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in Jahren </div></td><td class=\"c x223 y1301 wbc hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Abfertigung </div></td><td class=\"c x224 y1301 wbd hc\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Pension </div></td><td class=\"c x225 y1301 wbe hc\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeld </div></td></tr><tr><td class=\"c x174 y1302 wbb hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufzeit </div></td><td class=\"c x223 y1302 wbc hf\"><div class=\"t m0 x69 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9,01 </div></td><td class=\"c x224 y1302 wbd hf\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10,61 </div></td><td class=\"c x225 y1302 wbe hf\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr></table><table class=\"s w2ec h1a5\" id=\"_3e86f0dd-3656-40fd-9bad-c8e864bb6d25\"><tr><td></td><td class=\"c x226 y1303 w320 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Jubil\u00e4umsgeldr\u00fcck-<span class=\"_ _128\"> </span></div></td><td class=\"c x227 y1303 w321 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckst. f\u00fcr das<span class=\"_ _128\"> </span></div></td><td class=\"c x228 y1303 w322 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige R\u00fcck-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1304 w17 h43\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der sonstigen R\u00fcckstellungen<span class=\"_ _0\"></span> </div></td><td class=\"c x229 y1305 w323 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">stellung<span class=\"_ _128\"> </span></div></td><td class=\"c x22a y1305 w324 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditgesch\u00e4ft<span class=\"_ _128\"> </span></div></td><td class=\"c x22b y1305 w325 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">stellungen<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1306 w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand zum 1.1. </div></td><td class=\"c x22c y1306 wbf hf\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.908 </div></td><td class=\"c x22d y1306 w10 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.250 </div></td><td class=\"c x22e y1306 w6 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.349 </div></td></tr><tr><td class=\"c x174 y1307 w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuweisung </div></td><td class=\"c x22c y1307 wbf hf\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22d y1307 w10 hf\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.740 </div></td><td class=\"c x22e y1307 w6 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.249 </div></td></tr><tr><td class=\"c x178 y1308 w326 h1a6\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verbrauch / W\u00e4hrun<span class=\"_ _0\"></span>gsdifferenz / Effekt anteilsm\u00e4\u00dfige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1309 w327 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Konsolidierung / Umgliederun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span></div></td><td class=\"c x22c y130a wbf h81\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22d y130a w10 h81\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.214 </div></td><td class=\"c x22e y130a w6 h81\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">84</span> </div></td></tr><tr><td class=\"c x174 y130b w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sung </div></td><td class=\"c x22c y130b wbf hf\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.813 </div></td><td class=\"c x22d y130b w10 hf\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-28.707 </div></td><td class=\"c x22e y130b w6 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.008 </div></td></tr><tr><td class=\"c x174 y130c w17 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand zum 31.12. </div></td><td class=\"c x22c y130c wbf hf\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.095 </div></td><td class=\"c x22d y130c w10 hf\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.497 </div></td><td class=\"c x22e y130c w6 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.506 </div></td></tr></table>Es handelt sich dabei \u00fcberw<span class=\"_ _0\"></span>iegend um kurzfristige R\u00fcckstellungen.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-15": {
   "value": "<table class=\"s w2e9 h1a7\" id=\"_e77bbf38-68e5-42e6-b9a3-1aa30656b7cb\"><tr><td class=\"c x1a7 y130d w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">26) Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130d w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y130d w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y130e w76 hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130e w81 hd\"><div class=\"t m0 x3f h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">50.381<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130e w75 hd\"><div class=\"t m0 x3f h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">35.539<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y130f w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerschulden<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130f w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">23.632<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130f w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.983<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1310 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufende Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1310 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.425<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1310 w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.738<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1311 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div><div class=\"t m0 xbb h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x97 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e3 y1311 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.207<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1311 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.245<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1312 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1312 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">141.298<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1312 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">143.833<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1313 w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1313 w81 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">122.876<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1313 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">244.459<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1314 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Negative Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1314 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">184.551<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1314 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.077<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1315 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1315 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">12.068<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1315 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.167<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1316 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1316 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">534.806<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1316 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">532.058<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y1318 w328 h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x22f h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">Details <span class=\"_ _5\"></span>zu Passiven Ste<span class=\"_ _5\"></span>uerabgrenzungen si<span class=\"_ _5\"></span>ehe Not<span class=\"_ _5\"></span>e 21, \u201eSonsti<span class=\"_ _5\"></span>ge Aktiva\u201c. Ab dem Jahr<span class=\"_ _5\"></span>esabschlus<span class=\"_ _5\"></span>s 31.12.2022 wer<span class=\"_ _5\"></span>den die L<span class=\"_ _5\"></span>easing<span class=\"ff4\">forderungen<span class=\"_ _128\"> </span></span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w329 h172\"><div class=\"t m0 x177 h17 y115f ff4 fs4 fc2 sc0 ls0 ws0\">netto, r<span class=\"_ _5\"></span>eduziert um <span class=\"ff9\">Mietso<span class=\"_ _5\"></span>nderzahlungen und D<span class=\"_ _5\"></span>epotzahlungen <span class=\"_ _5\"></span>in H\u00f6he von \u20ac 173 M<span class=\"_ _5\"></span>io. dargeste<span class=\"_ _5\"></span>llt. Di<span class=\"_ _5\"></span>es f\u00fchrt auch zu einer<span class=\"_ _5\"></span> Verringerung der<span class=\"_ _5\"></span> Sons-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">tigen Passiva <span class=\"_ _5\"></span>in identer<span class=\"_ _5\"></span> H\u00f6he.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "<table class=\"s w2e9 h1a7\" id=\"_e77bbf38-68e5-42e6-b9a3-1aa30656b7cb\"><tr><td class=\"c x1a7 y130d w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">26) Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130d w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y130d w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y130e w76 hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130e w81 hd\"><div class=\"t m0 x3f h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">50.381<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130e w75 hd\"><div class=\"t m0 x3f h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">35.539<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y130f w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Steuerschulden<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y130f w81 he\"><div class=\"t m0 x3f h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">23.632<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y130f w75 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.983<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1310 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Laufende Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1310 w81 hf\"><div class=\"t m0 x36 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">9.425<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1310 w75 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.738<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1311 w76 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Latente Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div><div class=\"t m0 xbb h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x97 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e3 y1311 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">14.207<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1311 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.245<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1312 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasingverbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1312 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">141.298<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1312 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">143.833<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1313 w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verbindlichkeiten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1313 w81 he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">122.876<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1313 w75 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">244.459<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1314 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Negative Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1314 w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">184.551<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1314 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.077<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1315 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1315 w81 hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">12.068<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1315 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.167<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1316 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Passiva<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1316 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">534.806<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1316 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">532.058<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y1318 w328 h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x22f h17 y115d ff9 fs4 fc2 sc0 ls0 ws0\">Details <span class=\"_ _5\"></span>zu Passiven Ste<span class=\"_ _5\"></span>uerabgrenzungen si<span class=\"_ _5\"></span>ehe Not<span class=\"_ _5\"></span>e 21, \u201eSonsti<span class=\"_ _5\"></span>ge Aktiva\u201c. Ab dem Jahr<span class=\"_ _5\"></span>esabschlus<span class=\"_ _5\"></span>s 31.12.2022 wer<span class=\"_ _5\"></span>den die L<span class=\"_ _5\"></span>easing<span class=\"ff4\">forderungen<span class=\"_ _128\"> </span></span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y1161 w329 h172\"><div class=\"t m0 x177 h17 y115f ff4 fs4 fc2 sc0 ls0 ws0\">netto, r<span class=\"_ _5\"></span>eduziert um <span class=\"ff9\">Mietso<span class=\"_ _5\"></span>nderzahlungen und D<span class=\"_ _5\"></span>epotzahlungen <span class=\"_ _5\"></span>in H\u00f6he von \u20ac 173 M<span class=\"_ _5\"></span>io. dargeste<span class=\"_ _5\"></span>llt. Di<span class=\"_ _5\"></span>es f\u00fchrt auch zu einer<span class=\"_ _5\"></span> Verringerung der<span class=\"_ _5\"></span> Sons-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">tigen Passiva <span class=\"_ _5\"></span>in identer<span class=\"_ _5\"></span> H\u00f6he.<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-483": {
   "value": "26) Sonstige Passiva<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Handelspassiva<span class=\"_ _128\"> </span>50.381<span class=\"_ _128\"> </span>35.539<span class=\"_ _128\"> </span>Steuerschulden<span class=\"_ _128\"> </span>23.632<span class=\"_ _128\"> </span>16.983<span class=\"_ _128\"> </span>Laufende Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>9.425<span class=\"_ _128\"> </span>1.738<span class=\"_ _128\"> </span>Latente Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>14.207<span class=\"_ _128\"> </span>15.245<span class=\"_ _128\"> </span>Leasingverbindlichkeiten<span class=\"_ _128\"> </span>141.298<span class=\"_ _128\"> </span>143.833<span class=\"_ _128\"> </span>Sonstige Verbindlichkeiten<span class=\"_ _128\"> </span>122.876<span class=\"_ _128\"> </span>244.459<span class=\"_ _128\"> </span>Negative Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> 184.551<span class=\"_ _128\"> </span>34.077<span class=\"_ _128\"> </span>Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten<span class=\"_ _128\"> </span>12.068<span class=\"_ _128\"> </span>57.167<span class=\"_ _128\"> </span>Sonstige Passiva<span class=\"_ _128\"> </span>534.806<span class=\"_ _128\"> </span>532.058<span class=\"_ _128\"> </span>Details <span class=\"_ _5\"></span>zu Passiven Ste<span class=\"_ _5\"></span>uerabgrenzungen si<span class=\"_ _5\"></span>ehe Not<span class=\"_ _5\"></span>e 21, \u201eSonsti<span class=\"_ _5\"></span>ge Aktiva\u201c. Ab dem Jahr<span class=\"_ _5\"></span>esabschlus<span class=\"_ _5\"></span>s 31.12.2022 wer<span class=\"_ _5\"></span>den die L<span class=\"_ _5\"></span>easing<span class=\"ff4\">forderungen<span class=\"_ _128\"> </span></span>netto, r<span class=\"_ _5\"></span>eduziert um <span class=\"ff9\">Mietso<span class=\"_ _5\"></span>nderzahlungen und D<span class=\"_ _5\"></span>epotzahlungen <span class=\"_ _5\"></span>in H\u00f6he von \u20ac 173 M<span class=\"_ _5\"></span>io. dargeste<span class=\"_ _5\"></span>llt. Di<span class=\"_ _5\"></span>es f\u00fchrt auch zu einer<span class=\"_ _5\"></span> Verringerung der<span class=\"_ _5\"></span> Sons-<span class=\"_ _128\"> </span></span>igen Passiva <span class=\"_ _5\"></span>in identer<span class=\"_ _5\"></span> H\u00f6he.<span class=\"_ _128\"> </span><table class=\"s w2d0 h1a8\" id=\"_65acca61-2c05-4237-b709-6acf3f556ac0\"><tr><td class=\"c x174 y1319 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">27) Sonstige Passiva (Anteil Handelspassiva)<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1319 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1319 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131a w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131a w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.769 </div></td><td class=\"c x1e8 y131a w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.122 </div></td></tr><tr><td class=\"c x174 y131b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y131b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.612 </div></td><td class=\"c x1e8 y131b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.417 </div></td></tr><tr><td class=\"c x174 y131c w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y131c w81 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y131c w75 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y131d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td class=\"c x1e7 y131d w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td class=\"c x1e8 y131d w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr></table>37) Fremdw\u00e4hrungsvolumina in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Aktiva<span class=\"_ _128\"> </span>3.382.827<span class=\"_ _128\"> </span>3.206.787<span class=\"_ _128\"> </span>Passiva<span class=\"_ _128\"> </span>2.543.824<span class=\"_ _128\"> </span>2.335.636<span class=\"_ _128\"> </span>ierzu sei auc<span class=\"_ _5\"></span>h auf de<span class=\"_ _5\"></span>n Risikobericht unte<span class=\"_ _5\"></span>r Note 42 ff<span class=\"_ _5\"></span> verwiesen.<span class=\"fsc\"> </span><div class=\"c w11c hc gs209\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">39) Echte Pensionsgesc<span class=\"ffb\">h\u00e4fte in Ts<span class=\"_ _0\"></span>d.\u20ac</span> </div></div><div class=\"c w11d hc gs20a\"><div class=\"t m0 x11 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w55 hc gs20b\"><div class=\"t m0 x11 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c w11e hf gs20c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Die Buchwerte der echten<span class=\"_ _0\"></span> Pensionsgesch\u00e4fte betragen </div></div><div class=\"c wf hf gs20d\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div><div class=\"c w55 hf gs20e\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-488": {
   "value": "26) Sonstige Passiva<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Handelspassiva<span class=\"_ _128\"> </span>50.381<span class=\"_ _128\"> </span>35.539<span class=\"_ _128\"> </span>Steuerschulden<span class=\"_ _128\"> </span>23.632<span class=\"_ _128\"> </span>16.983<span class=\"_ _128\"> </span>Laufende Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>9.425<span class=\"_ _128\"> </span>1.738<span class=\"_ _128\"> </span>Latente Steuerschuld<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>14.207<span class=\"_ _128\"> </span>15.245<span class=\"_ _128\"> </span>Leasingverbindlichkeiten<span class=\"_ _128\"> </span>141.298<span class=\"_ _128\"> </span>143.833<span class=\"_ _128\"> </span>Sonstige Verbindlichkeiten<span class=\"_ _128\"> </span>122.876<span class=\"_ _128\"> </span>244.459<span class=\"_ _128\"> </span>Negative Marktwerte von<span class=\"_ _0\"></span> geschlossenen Derivaten des Bankbuchs<span class=\"_ _0\"></span> 184.551<span class=\"_ _128\"> </span>34.077<span class=\"_ _128\"> </span>Rechnungsabgrenzungsp<span class=\"_ _0\"></span>osten<span class=\"_ _128\"> </span>12.068<span class=\"_ _128\"> </span>57.167<span class=\"_ _128\"> </span>Sonstige Passiva<span class=\"_ _128\"> </span>534.806<span class=\"_ _128\"> </span>532.058<span class=\"_ _128\"> </span>Details <span class=\"_ _5\"></span>zu Passiven Ste<span class=\"_ _5\"></span>uerabgrenzungen si<span class=\"_ _5\"></span>ehe Not<span class=\"_ _5\"></span>e 21, \u201eSonsti<span class=\"_ _5\"></span>ge Aktiva\u201c. Ab dem Jahr<span class=\"_ _5\"></span>esabschlus<span class=\"_ _5\"></span>s 31.12.2022 wer<span class=\"_ _5\"></span>den die L<span class=\"_ _5\"></span>easing<span class=\"ff4\">forderungen<span class=\"_ _128\"> </span></span>netto, r<span class=\"_ _5\"></span>eduziert um <span class=\"ff9\">Mietso<span class=\"_ _5\"></span>nderzahlungen und D<span class=\"_ _5\"></span>epotzahlungen <span class=\"_ _5\"></span>in H\u00f6he von \u20ac 173 M<span class=\"_ _5\"></span>io. dargeste<span class=\"_ _5\"></span>llt. Di<span class=\"_ _5\"></span>es f\u00fchrt auch zu einer<span class=\"_ _5\"></span> Verringerung der<span class=\"_ _5\"></span> Sons-<span class=\"_ _128\"> </span></span>igen Passiva <span class=\"_ _5\"></span>in identer<span class=\"_ _5\"></span> H\u00f6he.<span class=\"_ _128\"> </span><table class=\"s w2d0 h1a8\" id=\"_65acca61-2c05-4237-b709-6acf3f556ac0\"><tr><td class=\"c x174 y1319 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">27) Sonstige Passiva (Anteil Handelspassiva)<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1319 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1319 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131a w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131a w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.769 </div></td><td class=\"c x1e8 y131a w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.122 </div></td></tr><tr><td class=\"c x174 y131b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y131b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.612 </div></td><td class=\"c x1e8 y131b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.417 </div></td></tr><tr><td class=\"c x174 y131c w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y131c w81 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y131c w75 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y131d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td class=\"c x1e7 y131d w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td class=\"c x1e8 y131d w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "<div class=\"gsa\"><table class=\"s w2d0 h1a8\" id=\"_65acca61-2c05-4237-b709-6acf3f556ac0\"><tr><td class=\"c x174 y1319 w76 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">27) Sonstige Passiva (Anteil Handelspassiva)<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y1319 w81 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y1319 w75 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131a w76 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">W\u00e4hrungsbezogene Gesch\u00e4fte<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131a w81 he\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.769 </div></td><td class=\"c x1e8 y131a w75 he\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.122 </div></td></tr><tr><td class=\"c x174 y131b w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsbezogene Gesch\u00e4fte </div></td><td class=\"c x1e7 y131b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.612 </div></td><td class=\"c x1e8 y131b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.417 </div></td></tr><tr><td class=\"c x174 y131c w76 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Gesch\u00e4fte </div></td><td class=\"c x1e7 y131c w81 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y131c w75 hd\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y131d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td class=\"c x1e7 y131d w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td class=\"c x1e8 y131d w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-473": {
   "value": "<table class=\"s w2d0 h1a9\" id=\"_e3c56423-e9ce-4dfc-ad44-4d34f52e7f1a\"><tr><td class=\"c x174 y131e w76 h83\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">28) Nachrangkapital </div></td><td class=\"c x1e7 y131e w81 h83\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y131e w75 h83\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y131f w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Begebene nachrangige Schuldverschreibun<span class=\"_ _0\"></span>gen inkl. Erg\u00e4nzungskapital<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y131f w81 hf\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y131f w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr><tr><td class=\"c x174 y1320 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Hybridkapital </div></td><td class=\"c x1e7 y1320 w81 hf\"><div class=\"t m0 x3 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y1320 w75 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1321 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x1e7 y1321 w81 hf\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1321 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table><table class=\"s w2ec h1aa\" id=\"_ccbf5ff3-ee57-4b7d-8759-a1e2ff6dab90\"><tr><td class=\"c x174 y1322 w76 hf\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital nach Fristen </div></td><td></td></tr><tr><td class=\"c x174 y1323 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bis 3 Monate </div></td><td class=\"c x1e7 y1323 w81 hf\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.822 </div></td><td class=\"c x1e8 y1323 w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">37.227 </div></td></tr><tr><td class=\"c x174 y1324 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 3 Monate bis 1 Jahr </div></td><td class=\"c x1e7 y1324 w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.269 </div></td><td class=\"c x1e8 y1324 w75 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x174 y1325 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 1 Jahr bis 5 Jahre </div></td><td class=\"c x1e7 y1325 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">219.374 </div></td><td class=\"c x1e8 y1325 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">291.052 </div></td></tr><tr><td class=\"c x174 y1326 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcber 5 Jahre </div></td><td class=\"c x1e7 y1326 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">204.247 </div></td><td class=\"c x1e8 y1326 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.087 </div></td></tr><tr><td class=\"c x174 y1327 w76 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nachrangkapital  </div></td><td class=\"c x1e7 y1327 w81 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1327 w75 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table><table class=\"s w2ec h1ab\" id=\"_fd8a1a6c-1ec6-4681-bf50-4e50b1f99ce5\"><tr><td class=\"c x174 y1328 w76 h84\" colspan=\"2\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung Nachrangkapital </div></td><td></td></tr><tr><td class=\"c x174 y1329 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand 1.1. </div></td><td class=\"c x1e7 y1329 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td><td class=\"c x1e8 y1329 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">485.775 </div></td></tr><tr><td class=\"c x174 y132a w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zahlungswirksame Ver\u00e4nderungen </div></td><td class=\"c x1e7 y132a w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.844 </div></td><td class=\"c x1e8 y132a w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.828 </div></td></tr><tr><td class=\"c x174 y132b w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einzahlungen aus E<span class=\"_ _0\"></span>missionen </div></td><td class=\"c x1e7 y132b w81 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.844 </div></td><td class=\"c x1e8 y132b w75 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">43.079 </div></td></tr><tr><td class=\"c x174 y132c w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon R\u00fcckkauf/R\u00fcckzahlun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y132c w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-30.000 </div></td><td class=\"c x1e8 y132c w75 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-26.251 </div></td></tr><tr><td class=\"c x174 y132d w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Nicht zahlungswirksame Ver\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x1e7 y132d w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.500 </div></td><td class=\"c x1e8 y132d w75 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.235 </div></td></tr><tr><td class=\"c x174 y132e w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon Ver\u00e4nderungen des b<span class=\"_ _0\"></span>eizulegenden Zeitwerts </div></td><td class=\"c x1e7 y132e w81 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-39.266 </div></td><td class=\"c x1e8 y132e w75 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.207 </div></td></tr><tr><td class=\"c x174 y132f w76 hf\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">hievon sonstige \u00c4nd<span class=\"_ _0\"></span>erungen </div></td><td class=\"c x1e7 y132f w81 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.234 </div></td><td class=\"c x1e8 y132f w75 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">28</span> </div></td></tr><tr><td class=\"c x174 y1330 w76 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stand 31.12. </div></td><td class=\"c x1e7 y1330 w81 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712 </div></td><td class=\"c x1e8 y1330 w75 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-412": {
   "value": "<div class=\"gsa\"><table class=\"s w32a h1ac\" id=\"_bec76602-7dee-419e-ac1c-d11f123fa601\"><tr><td class=\"c x1a7 y1331 w93 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">29) Eigenkapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1331 w8e hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e4 y1331 w92 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1332 w93 hd\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Gezeichnetes Kapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1332 w8e hd\"><div class=\"t m0 x5b h5 y82 ff4 fs2 fc2 sc0 ls0 ws0\">105.772<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1332 w92 hd\"><div class=\"t m0 x5b h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">105.863<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1333 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1333 w8e he\"><div class=\"t m0 x5b h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1333 w92 he\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1334 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinnr\u00fccklagen (inkl. Bilanzgewin<span class=\"_ _0\"></span>n)<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1334 w8e hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">2.875.147<span class=\"_ _128\"> </span> </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y1334 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.646.810<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1335 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Passive Unterschiedsb<span class=\"_ _0\"></span>etr\u00e4ge<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1335 w8e hf\"><div class=\"t m0 xc h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.872<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1335 w92 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.872<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1336 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zus\u00e4tzliche Eigenkapitalbest<span class=\"_ _0\"></span>andteile<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1336 w8e hf\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1336 w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1337 w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anteile nicht beherrschender Gesellschaft<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1337 w8e he\"><div class=\"t m0 xc h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">8.606<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e4 y1337 w92 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.793<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1338 w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigenkapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x1e3 y1338 w8e hf\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">3.546.920<span class=\"_ _128\"> </span> </div><div class=\"t m0 x31 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x1e4 y1338 w92 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.317.861<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x1a7 y1339 w93 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der in Umlauf befindlichen Aktien (in St\u00fcck)<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y133a w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">In Umlauf befindliche Akt<span class=\"_ _0\"></span>ien per 1.1. </div></td><td class=\"c x1e3 y133a w8e he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.287.597 </div></td><td class=\"c x1e4 y133a w92 he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.127.062 </div></td></tr><tr><td class=\"c x1a7 y133b w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ausgabe neuer Aktien </div></td><td class=\"c x1e3 y133b w8e hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e4 y133b w92 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1a7 y133c w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kauf eigener Aktien </div></td><td class=\"c x1e3 y133c w8e hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-124.547 </div></td><td class=\"c x1e4 y133c w92 hf\"><div class=\"t m0 x9f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-216.585 </div></td></tr><tr><td class=\"c x1a7 y133d w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verkauf eigener Aktien </div></td><td class=\"c x1e3 y133d w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.099 </div></td><td class=\"c x1e4 y133d w92 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">377.120 </div></td></tr><tr><td class=\"c x1a7 y133e w93 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">In Umlauf b<span class=\"_ _0\"></span>efindliche Aktien per 31.12. </div></td><td class=\"c x1e3 y133e w8e he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.257.149 </div></td><td class=\"c x1e4 y133e w92 he\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.287.597 </div></td></tr><tr><td class=\"c x1a7 y133f w93 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuz\u00fcglich eigene Aktien im Konzernbestand<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y133f w8e hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.151 </div></td><td class=\"c x1e4 y133f w92 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.703 </div></td></tr><tr><td class=\"c x1a7 y1340 w93 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ausgegebene Aktien per 31.12.<span class=\"_ _0\"></span> </div></td><td class=\"c x1e3 y1340 w8e hd\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td><td class=\"c x1e4 y1340 w92 hd\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.307.300 </div></td></tr><tr><td class=\"c x199 y1341 w3 h3\"><div class=\"t m0 x3 h17 y73b ff4 fs4 fc2 sc0 ls0 ws0\">Der Buchwe<span class=\"_ _5\"></span>rt der gehal<span class=\"_ _5\"></span>tenen eigenen Ante<span class=\"_ _5\"></span>ile betr\u00e4gt<span class=\"_ _5\"></span> zum Bilanzstic<span class=\"_ _5\"></span>htag 5,1 Mio. Euro (Vorjahr<span class=\"_ _5\"></span> 1,8 Mio. Euro).<span class=\"fsc\"> </span></div><div class=\"t m0 x3 h5 y206 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table></div>56) Eigenkapital Das Eigenkapital setzt sich au<span class=\"_ _0\"></span>s dem eingezahlten Kapital der Oberban<span class=\"_ _0\"></span>k AG (Grundkapital zuz\u00fcglich Kapitalr\u00fc<span class=\"_ _0\"></span>cklagen) sowie dem erwirtschaftet<span class=\"_ _0\"></span>en Kapital (Gewinnr\u00fccklagen zuz\u00fcglich Jahres\u00fcberschu<span class=\"_ _0\"></span>ss) zusammen. Das Eigenkapital d<span class=\"_ _0\"></span>er Oberbank AG betr\u00e4gt 2.428,2 Mi<span class=\"_ _0\"></span>o. Euro (Vorjahr 2.296,7 Mio. Euro), hievon Grundkap<span class=\"_ _0\"></span>ital 105,8 Mio. Euro (Vorjahr 105,9 Mio.<span class=\"_ _0\"></span> Euro). <span class=\"_ _0\"></span> Da die Oberbank AG Divid<span class=\"_ _0\"></span>enden auf Basis der \u00f6sterreichischen Rechtslage aussch\u00fc<span class=\"_ _0\"></span>ttet ist nur ein Teil des nach UGB/<span class=\"_ _0\"></span>BWG berechneten Eigenkapit<span class=\"_ _0\"></span>als aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig, n\u00e4mlich der Bilanzgewinn, die freie Gewinnr\u00fccklage sowie die n<span class=\"_ _0\"></span>icht <span class=\"_ _0\"></span> gebundene Kapit<span class=\"_ _0\"></span>alr\u00fccklage. F\u00fcr 2022 w\u00e4re maximal ein Betrag in H\u00f6he vo<span class=\"_ _0\"></span>n 1.505,2 Mio. Euro aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig. Der <span class=\"_ _0\"></span> aussch\u00fcttungsf\u00e4hige Bilanzgewin<span class=\"_ _0\"></span>n betr\u00e4gt 51,4 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span>. <span class=\"_ _7\"> </span>59) Konzerneigenmittel und bankaufsichtliches Eigenmittelerfo<span class=\"_ _0\"></span>rdernis<span class=\"_ _0\"></span> Die Oberbank AG unt<span class=\"_ _0\"></span>erliegt seit 1.1.2014 den Vorschriften der Verordnun<span class=\"_ _0\"></span>g (EU) Nr. <span class=\"_ _0\"></span>575/2013 (CRR) sowie der CRD I<span class=\"_ _0\"></span>V. Die<span class=\"_ _128\"> </span>definierten Mind<span class=\"_ _0\"></span>estkapitalerfordernisse wurden laufend erf\u00fcllt. Die ver\u00f6ffentlichten E<span class=\"_ _0\"></span>igenmittelbestandteile werden auch<span class=\"_ _128\"> </span>f\u00fcr die interne Kapitalsteuerung verw<span class=\"_ _0\"></span>endet.<span class=\"_ _128\"> </span>Anrechenbare Eigenmittel gem<span class=\"_ _0\"></span>. Teil 2      <span class=\"ls0\">Ver\u00e4nderung<span class=\"_ _128\"> </span></span>der VO (EU) Nr. 575/2013 <span class=\"ffb\">\u2013</span> <span class=\"ffb\">S\u00e4ule I in Tsd. \u20ac<span class=\"_ _128\"> </span></span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>absolut<span class=\"_ _128\"> </span>in Gezeichnetes Kapital<span class=\"_ _128\"> </span>105.922<span class=\"_ _128\"> </span>105.922<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Kapitalr\u00fccklagen<span class=\"_ _128\"> </span>505.523<span class=\"_ _128\"> </span>505.523<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Gewinnr\u00fccklagen<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2.708.5762.505.296<span class=\"_ _128\"> </span>203.280<span class=\"_ _128\"> </span>8,<span class=\"_ _128\"> </span>Anteile anderer Gesellschafter<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Kumuliertes sonstiges Ergebnis<span class=\"_ _128\"> </span>121.069<span class=\"_ _128\"> </span>108.702<span class=\"_ _128\"> </span>12.367<span class=\"_ _128\"> </span>11,<span class=\"_ _128\"> </span>Aufsichtliche Korrekturpo<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span>-16.078<span class=\"_ _128\"> </span>4.169<span class=\"_ _128\"> </span>-20.247<span class=\"_ _128\"> </span>&gt;-<span class=\"ls2\">10<span class=\"_ _128\"> </span></span>Abz\u00fcge von den Posten d<span class=\"_ _0\"></span>es harten Kernkapitals<span class=\"_ _128\"> </span>-298.660-258.504<span class=\"_ _128\"> </span>-40.156<span class=\"_ _128\"> </span>15,<span class=\"_ _128\"> </span>HARTES KERNKAPITAL<span class=\"_ _128\"> </span>3.126.352<span class=\"ls0\"> </span>2.971.108<span class=\"ls0\"> </span>155.244<span class=\"ls0\"> </span>5,<span class=\"_ _128\"> </span>AT1-Kapitalinstru<span class=\"_ _0\"></span>mente<span class=\"_ _128\"> </span>50.000<span class=\"_ _128\"> </span>50.000<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>AT1-Kapitalinstru<span class=\"_ _0\"></span>mente gem. nationalen Umsetzungsma\u00df-<span class=\"_ _128\"> </span>nahmen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>Abz\u00fcge von Posten des AT1<span class=\"_ _0\"></span>-Kapitals<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>Zus\u00e4tzliches Kernkapital<span class=\"_ _0\"></span> 50.000<span class=\"ls0\"> </span>50.000<span class=\"ls0\"> </span>-<span class=\"_ _128\"> </span>KERNKAPITAL<span class=\"_ _128\"> </span>3.176.352<span class=\"ls0\"> </span>3.021.108<span class=\"ls0\"> </span>155.244<span class=\"ls0\"> </span>5,<span class=\"_ _128\"> </span>anrechenbare Erg\u00e4nzun<span class=\"_ _0\"></span>gskapitalinstrumente<span class=\"_ _128\"> </span>340.486<span class=\"_ _128\"> </span>345.098<span class=\"_ _128\"> </span>-4.612<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>1,<span class=\"_ _128\"> </span>Erg\u00e4nzungskapitalpost<span class=\"_ _0\"></span>en gem. nationalen Umsetzungs-<span class=\"_ _128\"> </span>ma\u00dfnahmen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>865<span class=\"ls0\"> </span>-<span class=\"ls2\">865</span> -<span class=\"_ _128\"> </span>100,<span class=\"_ _128\"> </span>Allgemeine Kreditrisikoanpas<span class=\"_ _0\"></span>sungen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>Abz\u00fcge von Posten des Erg\u00e4n<span class=\"_ _0\"></span>zungskapitals<span class=\"_ _128\"> </span>-14.927<span class=\"_ _128\"> </span>-13.893<span class=\"_ _128\"> </span>-1.034<span class=\"_ _128\"> </span>7,<span class=\"_ _128\"> </span>Erg\u00e4nzungskapital<span class=\"_ _128\"> </span>325.559<span class=\"ls0\"> </span>332.070<span class=\"ls0\"> </span>-<span class=\"ls2\">6.511</span> -<span class=\"_ _128\"> </span>2,<span class=\"_ _128\"> </span>EIGENMITTEL<span class=\"_ _128\"> </span>3.501.911<span class=\"ls0\"> </span>3.353.178<span class=\"ls0\"> </span>148.733<span class=\"ls0\"> </span>4,<span class=\"_ _128\"> </span>Eigenmittelquoten gem. Art. 92 CRR<span class=\"_ _0\"></span> Harte Kernkapitalquote<span class=\"_ _0\"></span> 18,03% 18,35% -0,32 %-<span class=\"ls7\">P.</span> Kernkapitalquote 18,32% 18,66% -0,35 %-<span class=\"ls7\">P.</span> Gesamtkapitalquot<span class=\"_ _0\"></span>e 20,19% 20,71% -0,52 %-<span class=\"ls7\">P.</span> Gesetzliches Erfordernis Eigenmittelquoten gem. \u00dcRL in %<span class=\"_ _1\"></span> Harte Kernkapitalquote<span class=\"_ _0\"></span> 7,13 % 7,06 % 0,07 %-<span class=\"ls7\">P.</span> Kernkapitalquote 8,63 % 8,56 % 0,07 %-<span class=\"ls7\">P.</span> Gesamtkapitalquot<span class=\"_ _0\"></span>e 10,63 % 10,56 % 0,07 %-<span class=\"ls7\">P.</span> Gesetzliche Eigenmittelanforderungen gem. \u00dcR<span class=\"_ _0\"></span>L in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>Hartes Kernkapital 1.236.404 1.142.893 93.511 8,2 Kernkapital 1.496.517 1.385.717 110.800 8,0 Gesamtkapital 1.843.334 1.709.483 133.851 7,8 Freie Kapitalbestandteile Hartes Kernkapital 1.889.948 1.828.215 61.733 3,4 Kernkapital 1.679.835 1.635.391 44.444 2,7 Gesamtkapital 1.658.577 1.643.695 14.882 0,9 1) Inkl. Gewi<span class=\"_ _5\"></span>nnr\u00fccklagendo<span class=\"_ _5\"></span>tierung 2022, vorbehal<span class=\"_ _5\"></span>tlich der<span class=\"_ _5\"></span> Feststellun<span class=\"_ _5\"></span>g des Jahresabsc<span class=\"_ _5\"></span>hlusses durc<span class=\"_ _5\"></span>h den Aufsichtsrat<span class=\"_ _5\"></span> am 23. M\u00e4rz 2023",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "29) Eigenkapital<span class=\"_ _128\"> </span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Gezeichnetes Kapital<span class=\"_ _128\"> </span> 105.772<span class=\"_ _128\"> </span> 105.863<span class=\"_ _128\"> </span> Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> 505.523<span class=\"_ _128\"> </span> 505.523<span class=\"_ _128\"> </span> Gewinnr\u00fccklagen (inkl. Bilanzgewin<span class=\"_ _0\"></span>n)<span class=\"_ _128\"> </span> 2.875.147<span class=\"_ _128\"> </span> 2.646.810<span class=\"_ _128\"> </span> Passive Unterschiedsb<span class=\"_ _0\"></span>etr\u00e4ge<span class=\"_ _128\"> </span> 1.872<span class=\"_ _128\"> </span> 1.872<span class=\"_ _128\"> </span> Zus\u00e4tzliche Eigenkapitalbest<span class=\"_ _0\"></span>andteile<span class=\"_ _128\"> </span> 50.000<span class=\"_ _128\"> </span> 50.000<span class=\"_ _128\"> </span> Anteile nicht beherrschender Gesellschaft<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> 8.606<span class=\"_ _128\"> </span> 7.793<span class=\"_ _128\"> </span> Eigenkapital<span class=\"_ _128\"> </span> 3.546.920<span class=\"_ _128\"> </span> 3.317.861<span class=\"_ _128\"> </span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "29) Eigenkapital<span class=\"_ _128\"> </span> 2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Gezeichnetes Kapital<span class=\"_ _128\"> </span> 105.772<span class=\"_ _128\"> </span> 105.863<span class=\"_ _128\"> </span> Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> 505.523<span class=\"_ _128\"> </span> 505.523<span class=\"_ _128\"> </span> Gewinnr\u00fccklagen (inkl. Bilanzgewin<span class=\"_ _0\"></span>n)<span class=\"_ _128\"> </span> 2.875.147<span class=\"_ _128\"> </span> 2.646.810<span class=\"_ _128\"> </span> Passive Unterschiedsb<span class=\"_ _0\"></span>etr\u00e4ge<span class=\"_ _128\"> </span> 1.872<span class=\"_ _128\"> </span> 1.872<span class=\"_ _128\"> </span> Zus\u00e4tzliche Eigenkapitalbest<span class=\"_ _0\"></span>andteile<span class=\"_ _128\"> </span> 50.000<span class=\"_ _128\"> </span> 50.000<span class=\"_ _128\"> </span> Anteile nicht beherrschender Gesellschaft<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span> 8.606<span class=\"_ _128\"> </span> 7.793<span class=\"_ _128\"> </span> Eigenkapital<span class=\"_ _128\"> </span> 3.546.920<span class=\"_ _128\"> </span> 3.317.861<span class=\"_ _128\"> </span> 56) Eigenkapital Das Eigenkapital setzt sich au<span class=\"_ _0\"></span>s dem eingezahlten Kapital der Oberban<span class=\"_ _0\"></span>k AG (Grundkapital zuz\u00fcglich Kapitalr\u00fc<span class=\"_ _0\"></span>cklagen) sowie dem erwirtschaftet<span class=\"_ _0\"></span>en Kapital (Gewinnr\u00fccklagen zuz\u00fcglich Jahres\u00fcberschu<span class=\"_ _0\"></span>ss) zusammen. Das Eigenkapital d<span class=\"_ _0\"></span>er Oberbank AG betr\u00e4gt 2.428,2 Mi<span class=\"_ _0\"></span>o. Euro (Vorjahr 2.296,7 Mio. Euro), hievon Grundkap<span class=\"_ _0\"></span>ital 105,8 Mio. Euro (Vorjahr 105,9 Mio.<span class=\"_ _0\"></span> Euro). <span class=\"_ _0\"></span> Da die Oberbank AG Divid<span class=\"_ _0\"></span>enden auf Basis der \u00f6sterreichischen Rechtslage aussch\u00fc<span class=\"_ _0\"></span>ttet ist nur ein Teil des nach UGB/<span class=\"_ _0\"></span>BWG berechneten Eigenkapit<span class=\"_ _0\"></span>als aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig, n\u00e4mlich der Bilanzgewinn, die freie Gewinnr\u00fccklage sowie die n<span class=\"_ _0\"></span>icht <span class=\"_ _0\"></span> gebundene Kapit<span class=\"_ _0\"></span>alr\u00fccklage. F\u00fcr 2022 w\u00e4re maximal ein Betrag in H\u00f6he vo<span class=\"_ _0\"></span>n 1.505,2 Mio. Euro aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig. Der <span class=\"_ _0\"></span> aussch\u00fcttungsf\u00e4hige Bilanzgewin<span class=\"_ _0\"></span>n betr\u00e4gt 51,4 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span>. <span class=\"_ _7\"> </span><div class=\"c w3 h3 gs38b\"><div class=\"t m0 x3 h5 y5c2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y675 ff5 fs2 fc2 sc0 ls0 ws0\">59) Konzerneigenmittel und bankaufsichtliches Eigenmittelerfo<span class=\"_ _0\"></span>rdernis<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 yb51 ff4 fs2 fc2 sc0 ls0 ws0\">Die Oberbank AG unt<span class=\"_ _0\"></span>erliegt seit 1.1.2014 den Vorschriften der Verordnun<span class=\"_ _0\"></span>g (EU) Nr. <span class=\"_ _0\"></span>575/2013 (CRR) sowie der CRD I<span class=\"_ _0\"></span>V. Die<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yb52 ff4 fs2 fc2 sc0 ls0 ws0\">definierten Mind<span class=\"_ _0\"></span>estkapitalerfordernisse wurden laufend erf\u00fcllt. Die ver\u00f6ffentlichten E<span class=\"_ _0\"></span>igenmittelbestandteile werden auch<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 yb53 ff4 fs2 fc2 sc0 ls0 ws0\">f\u00fcr die interne Kapitalsteuerung verw<span class=\"_ _0\"></span>endet.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y740 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"gs38c\"><table class=\"s w48b h222\" id=\"_ee055765-0300-4a88-94c6-ee861dd045db\"><tr><td class=\"c x178 y1801 w48c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anrechenbare Eigenmittel gem<span class=\"_ _0\"></span>. Teil 2</div></td><td></td><td></td><td class=\"c x21f y1802 w1ce hc\" colspan=\"2\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">      <span class=\"ls0\">Ver\u00e4nderung<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1803 w48d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">der VO (EU) Nr. 575/2013 <span class=\"ffb\">\u2013</span> <span class=\"ffb\">S\u00e4ule I in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td class=\"c x2e2 y1804 w67 hf\"><div class=\"t m0 xc9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1804 w68 hf\"><div class=\"t m0 xc9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1804 w1cf hf\"><div class=\"t m0 x54 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">absolut<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1804 w68 hf\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x174 y1805 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gezeichnetes Kapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1805 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.922<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1805 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">105.922<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1805 w1cf hf\"><div class=\"t m0 xf h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1805 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1806 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1806 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1806 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">505.523<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1806 w1cf hf\"><div class=\"t m0 xf h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1806 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1807 w1cd hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewinnr\u00fccklagen<span class=\"_ _128\"> </span></div><div class=\"t m0 x12 h15 ye9 ff4 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x2e2 y1807 w67 hd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.708.576 </div></td><td class=\"c x214 y1807 w68 hd\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505.296<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1807 w1cf hd\"><div class=\"t m0 x47 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">203.280<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1807 w68 hd\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,<span class=\"_ _128\"> </span>1 </div></td></tr><tr><td class=\"c x174 y1808 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Anteile anderer Gesellschafter<span class=\"_ _0\"></span> </div></td><td class=\"c x2e2 y1808 w67 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1808 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1808 w1cf hf\"><div class=\"t m0 xf h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1808 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1809 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kumuliertes sonstiges Ergebnis<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1809 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">121.069<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1809 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">108.702<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1809 w1cf hf\"><div class=\"t m0 x60 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">12.367<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1809 w68 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11,<span class=\"_ _128\"> </span>4 </div></td></tr><tr><td class=\"c x174 y180a w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufsichtliche Korrekturpo<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180a w67 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-16.078<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180a w68 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.169<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180a w1cf hf\"><div class=\"t m0 x54 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-20.247<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180a w68 hf\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">&gt;-<span class=\"ls2\">10<span class=\"_ _128\"> </span></span><span class=\"ls2\">0</span> </div></td></tr><tr><td class=\"c x174 y180b w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abz\u00fcge von den Posten d<span class=\"_ _0\"></span>es harten Kernkapitals<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180b w67 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-298.660 </div></td><td class=\"c x214 y180b w68 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-258.504<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180b w1cf hf\"><div class=\"t m0 x54 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-40.156<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180b w68 hf\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15,<span class=\"_ _128\"> </span>5 </div></td></tr><tr><td class=\"c x174 y180c w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">HARTES KERNKAPITAL<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180c w67 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.126.352<span class=\"ls0\"> </span></div></td><td class=\"c x214 y180c w68 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.971.108<span class=\"ls0\"> </span></div></td><td class=\"c x21f y180c w1cf hf\"><div class=\"t m0 x47 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">155.244<span class=\"ls0\"> </span></div></td><td class=\"c x3c9 y180c w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">5,<span class=\"_ _128\"> </span>2 </div></td></tr><tr><td class=\"c x174 y180d w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">AT1-Kapitalinstru<span class=\"_ _0\"></span>mente<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180d w67 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180d w68 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.000<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180d w1cf hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180d w68 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y180e w1cd h28\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">AT1-Kapitalinstru<span class=\"_ _0\"></span>mente gem. nationalen Umsetzungsma\u00df-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nahmen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180e w67 h28\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180e w68 h28\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180e w1cf h28\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180e w68 h28\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y180f w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abz\u00fcge von Posten des AT1<span class=\"_ _0\"></span>-Kapitals<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y180f w67 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y180f w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y180f w1cf hf\"><div class=\"t m0 xd h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y180f w68 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y1810 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zus\u00e4tzliches Kernkapital<span class=\"_ _0\"></span> </div></td><td class=\"c x2e2 y1810 w67 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">50.000<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1810 w68 hf\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">50.000<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1810 w1cf hf\"><div class=\"t m0 xd h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1810 w68 hf\"><div class=\"t m0 xd h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y1811 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">KERNKAPITAL<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1811 w67 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.176.352<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1811 w68 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.021.108<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1811 w1cf hf\"><div class=\"t m0 x47 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">155.244<span class=\"ls0\"> </span></div></td><td class=\"c x3c9 y1811 w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">5,<span class=\"_ _128\"> </span>1 </div></td></tr><tr><td class=\"c x174 y1812 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">anrechenbare Erg\u00e4nzun<span class=\"_ _0\"></span>gskapitalinstrumente<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1812 w67 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">340.486<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1812 w68 hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">345.098<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1812 w1cf hf\"><div class=\"t m0 x37 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-4.612<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1812 w68 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span>1,<span class=\"_ _128\"> </span>3 </div></td></tr><tr><td class=\"c x174 y1813 w1cd h45\"><div class=\"t m0 x7 h5 y95a ff4 fs2 fc2 sc0 ls0 ws0\">Erg\u00e4nzungskapitalpost<span class=\"_ _0\"></span>en gem. nationalen Umsetzungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">ma\u00dfnahmen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1813 w67 h45\"><div class=\"t m0 xf h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1813 w68 h45\"><div class=\"t m0 x36 h5 ydd ff4 fs2 fc2 sc0 ls2 ws0\">865<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1813 w1cf h45\"><div class=\"t m0 xf8 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">865</span> </div></td><td class=\"c x3c9 y1813 w68 h45\"><div class=\"t m0 x37 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span>100,<span class=\"_ _128\"> </span>0 </div></td></tr><tr><td class=\"c x174 y1814 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Allgemeine Kreditrisikoanpas<span class=\"_ _0\"></span>sungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1814 w67 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1814 w68 hf\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1814 w1cf hf\"><div class=\"t m0 xd h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1814 w68 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x174 y1815 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abz\u00fcge von Posten des Erg\u00e4n<span class=\"_ _0\"></span>zungskapitals<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1815 w67 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.927<span class=\"_ _128\"> </span> </div></td><td class=\"c x214 y1815 w68 hf\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-13.893<span class=\"_ _128\"> </span> </div></td><td class=\"c x21f y1815 w1cf hf\"><div class=\"t m0 x37 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-1.034<span class=\"_ _128\"> </span> </div></td><td class=\"c x3c9 y1815 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,<span class=\"_ _128\"> </span>4 </div></td></tr><tr><td class=\"c x174 y1816 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erg\u00e4nzungskapital<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1816 w67 hf\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">325.559<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1816 w68 hf\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">332.070<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1816 w1cf hf\"><div class=\"t m0 x37 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">6.511</span> </div></td><td class=\"c x3c9 y1816 w68 hf\"><div class=\"t m0 x11 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span>2,<span class=\"_ _128\"> </span>0 </div><div class=\"t m0 x37 h6 yb6 ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td></tr><tr><td class=\"c x174 y1817 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">EIGENMITTEL<span class=\"_ _128\"> </span> </div></td><td class=\"c x2e2 y1817 w67 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.501.911<span class=\"ls0\"> </span></div></td><td class=\"c x214 y1817 w68 hf\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.353.178<span class=\"ls0\"> </span></div></td><td class=\"c x21f y1817 w1cf hf\"><div class=\"t m0 x47 h6 y84 ff5 fs2 fc2 sc0 ls2 ws0\">148.733<span class=\"ls0\"> </span></div></td><td class=\"c x3c9 y1817 w68 hf\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">4,<span class=\"_ _128\"> </span>4 </div></td></tr><tr><td class=\"c x174 y1818 w1cd hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtrisikobetrag gem. Art. 92 CR<span class=\"_ _0\"></span>R </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1819 w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko </div></td><td class=\"c x2e2 y1819 w67 hf\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.162.436 </div></td><td class=\"c x214 y1819 w68 hf\"><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.071.679 </div></td><td class=\"c x21f y1819 w1cf hf\"><div class=\"t m0 x13 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.090.757 </div><div class=\"t m0 x7 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x3c9 y1819 w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7,2 </div></td></tr><tr><td class=\"c x174 y181a w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Marktrisiko, Abwicklun<span class=\"_ _0\"></span>gsrisiko und CVA<span class=\"_ _0\"></span>-Risiko </div></td><td class=\"c x2e2 y181a w67 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.187 </div></td><td class=\"c x214 y181a w68 hf\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.612 </div></td><td class=\"c x21f y181a w1cf hf\"><div class=\"t m0 x54 h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">-27.425 </div></td><td class=\"c x3c9 y181a w68 hf\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-60,1 </div></td></tr><tr><td class=\"c x174 y181b w1cd hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Operationelles Risiko </div></td><td class=\"c x2e2 y181b w67 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.160.246 </div></td><td class=\"c x214 y181b w68 hf\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.070.996 </div></td><td class=\"c x21f y181b w1cf hf\"><div class=\"t m0 x60 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">89.250 </div></td><td class=\"c x3c9 y181b w68 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8,3 </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-437": {
   "value": "29) Eigenkapital<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Gezeichnetes Kapital<span class=\"_ _128\"> </span>105.772<span class=\"_ _128\"> </span>105.863<span class=\"_ _128\"> </span>Kapitalr\u00fccklagen<span class=\"_ _128\"> </span>505.523<span class=\"_ _128\"> </span>505.523<span class=\"_ _128\"> </span>Gewinnr\u00fccklagen (inkl. Bilanzgewin<span class=\"_ _0\"></span>n)<span class=\"_ _128\"> </span>2.875.147<span class=\"_ _128\"> </span>2.646.810<span class=\"_ _128\"> </span>Passive Unterschiedsb<span class=\"_ _0\"></span>etr\u00e4ge<span class=\"_ _128\"> </span>1.872<span class=\"_ _128\"> </span>1.872<span class=\"_ _128\"> </span>Zus\u00e4tzliche Eigenkapitalbest<span class=\"_ _0\"></span>andteile<span class=\"_ _128\"> </span>50.000<span class=\"_ _128\"> </span>50.000<span class=\"_ _128\"> </span>Anteile nicht beherrschender Gesellschaft<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>8.606<span class=\"_ _128\"> </span>7.793<span class=\"_ _128\"> </span>Eigenkapital<span class=\"_ _128\"> </span>3.546.920<span class=\"_ _128\"> </span>3.317.861<span class=\"_ _128\"> </span>56) Eigenkapital Das Eigenkapital setzt sich au<span class=\"_ _0\"></span>s dem eingezahlten Kapital der Oberban<span class=\"_ _0\"></span>k AG (Grundkapital zuz\u00fcglich Kapitalr\u00fc<span class=\"_ _0\"></span>cklagen) sowie dem erwirtschaftet<span class=\"_ _0\"></span>en Kapital (Gewinnr\u00fccklagen zuz\u00fcglich Jahres\u00fcberschu<span class=\"_ _0\"></span>ss) zusammen. Das Eigenkapital d<span class=\"_ _0\"></span>er Oberbank AG betr\u00e4gt 2.428,2 Mi<span class=\"_ _0\"></span>o. Euro (Vorjahr 2.296,7 Mio. Euro), hievon Grundkap<span class=\"_ _0\"></span>ital 105,8 Mio. Euro (Vorjahr 105,9 Mio.<span class=\"_ _0\"></span> Euro). <span class=\"_ _0\"></span> Da die Oberbank AG Divid<span class=\"_ _0\"></span>enden auf Basis der \u00f6sterreichischen Rechtslage aussch\u00fc<span class=\"_ _0\"></span>ttet ist nur ein Teil des nach UGB/<span class=\"_ _0\"></span>BWG berechneten Eigenkapit<span class=\"_ _0\"></span>als aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig, n\u00e4mlich der Bilanzgewinn, die freie Gewinnr\u00fccklage sowie die n<span class=\"_ _0\"></span>icht <span class=\"_ _0\"></span> gebundene Kapit<span class=\"_ _0\"></span>alr\u00fccklage. F\u00fcr 2022 w\u00e4re maximal ein Betrag in H\u00f6he vo<span class=\"_ _0\"></span>n 1.505,2 Mio. Euro aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig. Der <span class=\"_ _0\"></span> aussch\u00fcttungsf\u00e4hige Bilanzgewin<span class=\"_ _0\"></span>n betr\u00e4gt 51,4 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span>. <span class=\"_ _7\"> </span>2.927.123<span class=\"ls0\"> </span>59) Konzerneigenmittel und bankaufsichtliches Eigenmittelerfo<span class=\"_ _0\"></span>rdernis<span class=\"_ _0\"></span> Die Oberbank AG unt<span class=\"_ _0\"></span>erliegt seit 1.1.2014 den Vorschriften der Verordnun<span class=\"_ _0\"></span>g (EU) Nr. <span class=\"_ _0\"></span>575/2013 (CRR) sowie der CRD I<span class=\"_ _0\"></span>V. Die<span class=\"_ _128\"> </span> definierten Mind<span class=\"_ _0\"></span>estkapitalerfordernisse wurden laufend erf\u00fcllt. Die ver\u00f6ffentlichten E<span class=\"_ _0\"></span>igenmittelbestandteile werden auch<span class=\"_ _128\"> </span> f\u00fcr die interne Kapitalsteuerung verw<span class=\"_ _0\"></span>endet.<span class=\"_ _128\"> </span> Anrechenbare Eigenmittel gem<span class=\"_ _0\"></span>. Teil 2      <span class=\"ls0\">Ver\u00e4nderung<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span>der VO (EU) Nr. 575/2013 <span class=\"ffb\">\u2013</span> <span class=\"ffb\">S\u00e4ule I in Tsd. \u20ac<span class=\"_ _128\"> </span></span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>absolut<span class=\"_ _128\"> </span> in % Gezeichnetes Kapital<span class=\"_ _128\"> </span> 105.922<span class=\"_ _128\"> </span> 105.922<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0 Kapitalr\u00fccklagen<span class=\"_ _128\"> </span> 505.523<span class=\"_ _128\"> </span> 505.523<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0 Gewinnr\u00fccklagen<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2.708.576 2.505.296<span class=\"_ _128\"> </span> 203.280<span class=\"_ _128\"> </span> 8,<span class=\"_ _128\"> </span>1 Anteile anderer Gesellschafter<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0 Kumuliertes sonstiges Ergebnis<span class=\"_ _128\"> </span> 121.069<span class=\"_ _128\"> </span> 108.702<span class=\"_ _128\"> </span> 12.367<span class=\"_ _128\"> </span> 11,<span class=\"_ _128\"> </span>4 Aufsichtliche Korrekturpo<span class=\"_ _0\"></span>sten<span class=\"_ _128\"> </span> -16.078<span class=\"_ _128\"> </span> 4.169<span class=\"_ _128\"> </span> -20.247<span class=\"_ _128\"> </span> &gt;-<span class=\"ls2\">10<span class=\"_ _128\"> </span></span><span class=\"ls2\">0</span> Abz\u00fcge von den Posten d<span class=\"_ _0\"></span>es harten Kernkapitals<span class=\"_ _128\"> </span> -298.660 -258.504<span class=\"_ _128\"> </span> -40.156<span class=\"_ _128\"> </span> 15,<span class=\"_ _128\"> </span>5 HARTES KERNKAPITAL<span class=\"_ _128\"> </span> 3.126.352<span class=\"ls0\"> </span>2.971.108<span class=\"ls0\"> </span>155.244<span class=\"ls0\"> </span>5,<span class=\"_ _128\"> </span>2 AT1-Kapitalinstru<span class=\"_ _0\"></span>mente<span class=\"_ _128\"> </span> 50.000<span class=\"_ _128\"> </span> 50.000<span class=\"_ _128\"> </span> -<span class=\"_ _128\"> </span> - AT1-Kapitalinstru<span class=\"_ _0\"></span>mente gem. nationalen Umsetzungsma\u00df-<span class=\"_ _128\"> </span>nahmen<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> -<span class=\"_ _128\"> </span> - Abz\u00fcge von Posten des AT1<span class=\"_ _0\"></span>-Kapitals<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> -<span class=\"_ _128\"> </span> - Zus\u00e4tzliches Kernkapital<span class=\"_ _0\"></span> 50.000<span class=\"ls0\"> </span>50.000<span class=\"ls0\"> </span>-<span class=\"_ _128\"> </span> - KERNKAPITAL<span class=\"_ _128\"> </span> 3.176.352<span class=\"ls0\"> </span>3.021.108<span class=\"ls0\"> </span>155.244<span class=\"ls0\"> </span>5,<span class=\"_ _128\"> </span>1 anrechenbare Erg\u00e4nzun<span class=\"_ _0\"></span>gskapitalinstrumente<span class=\"_ _128\"> </span> 340.486<span class=\"_ _128\"> </span> 345.098<span class=\"_ _128\"> </span> -4.612<span class=\"_ _128\"> </span> -<span class=\"_ _128\"> </span>1,<span class=\"_ _128\"> </span>3 Erg\u00e4nzungskapitalpost<span class=\"_ _0\"></span>en gem. nationalen Umsetzungs-<span class=\"_ _128\"> </span>ma\u00dfnahmen<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 865<span class=\"ls0\"> </span>-<span class=\"ls2\">865</span> -<span class=\"_ _128\"> </span>100,<span class=\"_ _128\"> </span>0 Allgemeine Kreditrisikoanpas<span class=\"_ _0\"></span>sungen<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> 0<span class=\"_ _128\"> </span> -<span class=\"_ _128\"> </span> - Abz\u00fcge von Posten des Erg\u00e4n<span class=\"_ _0\"></span>zungskapitals<span class=\"_ _128\"> </span> -14.927<span class=\"_ _128\"> </span> -13.893<span class=\"_ _128\"> </span> -1.034<span class=\"_ _128\"> </span> 7,<span class=\"_ _128\"> </span>4 Erg\u00e4nzungskapital<span class=\"_ _128\"> </span> 325.559<span class=\"ls0\"> </span>332.070<span class=\"ls0\"> </span>-<span class=\"ls2\">6.511</span> -<span class=\"_ _128\"> </span>2,<span class=\"_ _128\"> </span>0 EIGENMITTEL<span class=\"_ _128\"> </span> 3.501.911<span class=\"ls0\"> </span>3.353.178<span class=\"ls0\"> </span>148.733<span class=\"ls0\"> </span>4,<span class=\"_ _128\"> </span>4",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-484": {
   "value": "<table class=\"s w334 h1ae\" id=\"_acc3415c-b036-457f-8c08-ff5ab9b21a5f\"><tr><td class=\"c x239 y1352 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2022<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23a y1354 w335 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x23b y1356 w336 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x23c y1356 w337 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Fremd-kapitalinstru-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x23d y1357 wc7 h89\"><div class=\"t m0 x11 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x23e y1357 wc8 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x23f y1357 wc9 h89\"><div class=\"t m0 x79 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x240 y1357 wca h89\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1357 wcb h89\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x242 y1358 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x243 y1358 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td class=\"c x244 y1357 wce h89\"><div class=\"t m0 xa6 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x245 y1357 wcf h89\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x246 y1357 wd0 h89\"><div class=\"t m0 x60 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1359 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135a wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y135a wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1359 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x246 y1359 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.287.322<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135b w33a h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135c wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x246 y135c wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.204<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y135d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x244 y135e wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.057.398 </div></td><td></td><td class=\"c x246 y135e wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.057.398<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y135f wc6 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x23d y1360 wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">43.586 </div></td><td class=\"c x23e y1360 wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y1360 wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y1360 wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y1360 wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y1360 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">19.081.451 </div></td><td></td><td class=\"c x246 y1360 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">19.192.911<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y135f wc7 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.115 </div></td><td class=\"c x23e y135f wc8 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">32.660 </div></td><td class=\"c x23f y135f wc9 h8b\"><div class=\"t m0 x41 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td></td><td class=\"c x241 y135f wcb h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td></td><td class=\"c x247 y135f wcd h8b\"><div class=\"t m0 x2d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.215 </div></td><td class=\"c x244 y135f wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.656.216 </div></td><td></td><td class=\"c x246 y135f wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.760.205<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1361 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y1362 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1362 wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1361 wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y1361 wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">56.655<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1363 wc6 h8d\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y1364 wc7 h4e\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.470.122 </div></td><td class=\"c x23e y1364 wc8 h4e\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1364 wc9 h4e\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1364 wcb h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1364 wcc h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1364 wcd h4e\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1364 wcf h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td class=\"c x246 y1364 wd0 h4e\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.653.467<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1365 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x23d y1363 wc7 h8b\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.342.212 </div></td><td class=\"c x23e y1363 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">489.243 </div></td><td class=\"c x23f y1363 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td></td><td class=\"c x241 y1363 wcb h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">594.456 </div></td><td class=\"c x248 y1363 wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y1363 wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">269.786 </div></td><td></td><td class=\"c x245 y1366 wcf h4f\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.767 </div></td><td class=\"c x246 y1366 wd0 h4f\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.767<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1367 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1368 wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">357.389 </div></td><td class=\"c x246 y1368 wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">357.389<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1369 wc6 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y136a wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y136a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.812 </div></td><td class=\"c x246 y136a wd0 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">189.451<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y1369 wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y136b wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y136b wca h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136b wd0 h8b\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136c wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y136c wca h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">39.640 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y136c wd0 h4f\"><div class=\"t m0 x37 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">39.640<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y136d wc6 h8a\"><div class=\"t m0 x7 h23 y723 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x23d y136e wc7 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.513.708<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136e wc8 h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136e wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136e wca h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136e wcb h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136e wcc h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136e wcd h8b\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136e wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.425.977<span class=\"ls0\"> </span></div></td><td class=\"c x245 y136e wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.610.612<span class=\"ls0\"> </span></div></td><td class=\"c x246 y136e wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x23d y136d wc7 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.378.327<span class=\"ls0\"> </span></div></td><td class=\"c x23e y136d wc8 h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">521.903<span class=\"ls0\"> </span></div></td><td class=\"c x23f y136d wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">247.799 </div></td><td class=\"c x240 y136d wca h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">96.294<span class=\"ls0\"> </span></div></td><td class=\"c x241 y136d wcb h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">629.671<span class=\"ls0\"> </span></div></td><td class=\"c x248 y136d wcc h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">324.670 </div></td><td class=\"c x247 y136d wcd h4f\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">305.001 </div></td><td class=\"c x244 y136d wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">22.000.936<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y136f w33c h1b2\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kre-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1370 wc8 h8f\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1370 wc9 h8f\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1370 wce h8f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x246 y1370 wd0 h8f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.448.735<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1371 w33d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">ditinstituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1372 wc8 h8b\"><div class=\"t m0 x72 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x23f y1372 wc9 h8b\"><div class=\"t m0 x35 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1372 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.078.306 </div></td><td></td><td class=\"c x246 y1372 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.078.306<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1373 w33e h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1374 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1374 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1374 wce h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.777.048 </div></td><td></td><td class=\"c x246 y1374 wd0 h4f\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.061.355<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1375 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x23e y1376 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td class=\"c x23f y1376 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">284.307 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1376 wce h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.762.343 </div></td><td></td><td class=\"c x246 y1376 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">15.046.650<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1377 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x23e y1378 wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1378 wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1378 wce h4f\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.766.610 </div></td><td></td><td class=\"c x246 y1378 wd0 h4f\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.407.017<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1377 wc8 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td class=\"c x23f y1377 wc9 h8b\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">640.406 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1377 wce h8b\"><div class=\"t m0 x37 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.508.338 </div></td><td></td><td class=\"c x246 y1377 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.148.744<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1379 wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137a wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">319.622 </div></td><td class=\"c x246 y137a wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">319.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y137b wc6 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x240 y137c wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td class=\"c x245 y137c wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">299.874 </div></td><td class=\"c x246 y137c wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">534.806<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x240 y137b wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">234.932 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y137d wc6 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x240 y137d wca h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137d wd0 h8b\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137e wc6 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x240 y137e wca h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x246 y137e wd0 h4f\"><div class=\"t m0 x2b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">184.551 </div></td></tr><tr><td class=\"c x239 y137f wc6 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x23e y1380 wc8 h8f\"><div class=\"t m0 x4f h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y1380 wc9 h8f\"><div class=\"t m0 x14 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y1380 wce h8f\"><div class=\"t m0 x42 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">202.096 </div></td><td></td><td class=\"c x246 y1380 wd0 h8f\"><div class=\"t m0 x2b h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">479.712<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y137f wc8 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td class=\"c x23f y137f wc9 h4f\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">277.616 </div></td><td></td><td></td><td></td><td></td><td class=\"c x244 y137f wce h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">181.215 </div></td><td></td><td class=\"c x246 y137f wd0 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">458.831<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1381 wc6 h8a\"><div class=\"t m0 x7 h20 y76e ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x245 y1382 wcf h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.546.920 </div></td><td class=\"c x246 y1382 wd0 h8b\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.546.920<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1383 wc6 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x23e y1383 wc8 h8b\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1383 wc9 h8b\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1383 wca h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1383 wce h8b\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.194.489<span class=\"ls0\"> </span></div></td><td class=\"c x245 y1383 wcf h8b\"><div class=\"t m0 x5c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.166.415<span class=\"ls0\"> </span></div></td><td class=\"c x246 y1383 wd0 h8b\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">26.798.166<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x23e y1384 wc8 h4f\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.202.329<span class=\"ls0\"> </span></div></td><td class=\"c x23f y1384 wc9 h4f\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.202.329 </div></td><td class=\"c x240 y1384 wca h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">234.932<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x244 y1384 wce h4f\"><div class=\"t m0 x54 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">20.530.202<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w340 h1b5\" id=\"_4408c659-2e0c-4a93-a6b7-ce9f48ed4cb7\"><tr><td class=\"c x239 y1385 wc5 h88\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">31) Fair Value von Finanzin<span class=\"_ _5\"></span>strumenten und sonstige Positionen zur Bilanz\u00fcberleitung per 31.12.2021<span class=\"ff4 fs4\"> (Obere Zeile: je<span class=\"_ _5\"></span>weiliger Betrag als B<span class=\"_ _5\"></span>uchwert, u<span class=\"_ _5\"></span>ntere Zeile: B<span class=\"_ _5\"></span>etrag als Fair<span class=\"_ _5\"></span> Value)</span><span class=\"ff4 fs4\"><span class=\"ff5 fs8\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x249 y1386 w336 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Eigen-<span class=\"_ _128\"> </span></div></td><td class=\"c x24a y1386 w341 h1b6\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">hievon FV/OCI-Fremd-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x24b y1387 wd2 h8c\"><div class=\"t m0 xc9 h23 y370 ff5 fs8 fc2 sc0 ls21 ws0\">AC<span class=\"ls0\"> </span></div></td><td class=\"c x24c y1387 wd3 h8c\"><div class=\"t m0 x8c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/PL </div></td><td class=\"c x24d y1387 wd4 h8c\"><div class=\"t m0 x59 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon designiert </div></td><td class=\"c x24e y1387 wcf h8c\"><div class=\"t m0 x5b h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">HFT </div></td><td class=\"c x241 y1387 wcf h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">FV/OCI </div></td><td class=\"c x24f y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x250 y1388 w338 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kapitalinstrumente<span class=\"_ _128\"> </span></div></td><td class=\"c x251 y1387 wd7 h8c\"><div class=\"t m0 x59 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">AC/   Liabilities </div></td><td class=\"c x252 y1387 wd3 h8c\"><div class=\"t m0 x6c h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x253 y1387 wd8 h8c\"><div class=\"t m0 x70 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x239 y1389 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Barreserve </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138a wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y138a wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y1389 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x253 y1389 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.400.915<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138b w33a h1b4\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kreditinsti-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138c wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x253 y138c wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">873.561<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y138d w33b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">tute<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x251 y138e wd7 h8b\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">874.216 </div></td><td></td><td class=\"c x253 y138e wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">874.216<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y138f wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x24b y1390 wd2 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.127 </div></td><td class=\"c x24c y1390 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y1390 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y1390 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y1390 wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y1390 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.318.053 </div></td><td></td><td class=\"c x253 y1390 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.427.927<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y138f wd2 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">38.781 </div></td><td class=\"c x24c y138f wd3 h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">36.972 </div></td><td class=\"c x24d y138f wd4 h8b\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td></td><td class=\"c x241 y138f wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td></td><td class=\"c x254 y138f wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">35.775 </div></td><td class=\"c x251 y138f wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">18.573.754 </div></td><td></td><td class=\"c x253 y138f wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">18.685.283<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1391 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Handelsaktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y1392 wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1392 wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1391 wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y1391 wd8 h4f\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">37.380<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1393 wd1 h8d\"><div class=\"t m0 x7 h20 y76b ff4 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y1394 wd2 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.283.109 </div></td><td class=\"c x24c y1394 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1394 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1394 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1394 wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1394 wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1394 wd3 h8b\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td class=\"c x253 y1394 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.180.410<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1395 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Immaterielles Anlageverm\u00f6-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls23 ws0\">gen<span class=\"ls0\"> </span></div></td><td class=\"c x24b y1393 wd2 h4e\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.307.671 </div></td><td class=\"c x24c y1393 wd3 h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">481.966 </div></td><td class=\"c x24d y1393 wd4 h4e\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td></td><td class=\"c x241 y1393 wcf h4e\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">414.571 </div></td><td class=\"c x248 y1393 wd5 h4e\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y1393 wd6 h4e\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">41.088 </div></td><td></td><td class=\"c x252 y1396 wd3 h8b\"><div class=\"t m0 x54 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.221 </div></td><td class=\"c x253 y1396 wd8 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.221<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1397 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sachanlagen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y1398 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">382.622 </div></td><td class=\"c x253 y1398 wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">382.622<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y1399 wd1 h8c\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Aktiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y139a wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y139a wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">131.467 </div></td><td class=\"c x253 y139a wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">233.626<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y1399 wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y139b wd1 h4f\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y139b wcf h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139b wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139c wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y139c wcf h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">102.159 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y139c wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">102.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y139d wd1 h8a\"><div class=\"t m0 x7 h23 y751 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzaktiva </div><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">  </div></td><td class=\"c x24b y139e wd2 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.320.236<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139e wd3 h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139e wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139e wcf h4f\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139e wd5 h4f\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139e wd6 h4f\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139e wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.592.529<span class=\"ls0\"> </span></div></td><td class=\"c x252 y139e wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.518.075<span class=\"ls0\"> </span></div></td><td class=\"c x253 y139e wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x24b y139d wd2 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.346.453<span class=\"ls0\"> </span></div></td><td class=\"c x24c y139d wd3 h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">518.938<span class=\"ls0\"> </span></div></td><td class=\"c x24d y139d wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">244.610 </div></td><td class=\"c x24e y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">139.539<span class=\"ls0\"> </span></div></td><td class=\"c x241 y139d wcf h8b\"><div class=\"t m0 x13 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">450.346<span class=\"ls0\"> </span></div></td><td class=\"c x248 y139d wd5 h8b\"><div class=\"t m0 x2f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">373.483 </div></td><td class=\"c x254 y139d wd6 h8b\"><div class=\"t m0 x31 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">76.863 </div></td><td class=\"c x251 y139d wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">23.848.885<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y139f w342 h1b7\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kredit-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a0 wd3 h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a0 wd4 h4f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a0 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.867.720 </div></td><td></td><td class=\"c x253 y13a0 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.893.338<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a1 w343 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">instituten<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a2 wd3 h8f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td class=\"c x24d y13a2 wd4 h8f\"><div class=\"t m0 x33 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.618 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a2 wd7 h8f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">5.803.859 </div></td><td></td><td class=\"c x253 y13a2 wd8 h8f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">5.829.476<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a3 w33e h1b1\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kun-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a4 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a4 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a4 wd7 h8b\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.333.618 </div></td><td></td><td class=\"c x253 y13a4 wd8 h8b\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.728.589<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y13a5 w33f h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls24 ws0\">den<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x24c y13a6 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td class=\"c x24d y13a6 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">394.972 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a6 wd7 h4f\"><div class=\"t m0 x60 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">14.345.396 </div></td><td></td><td class=\"c x253 y13a6 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">14.740.368<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a7 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td class=\"c x24c y13a8 wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a8 wd4 h8b\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a8 wd7 h8b\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.437.838 </div></td><td></td><td class=\"c x253 y13a8 wd8 h8b\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.206.647<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13a7 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td class=\"c x24d y13a7 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">768.809 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13a7 wd7 h4f\"><div class=\"t m0 x5b h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.459.075 </div></td><td></td><td class=\"c x253 y13a7 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">2.227.883<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13a9 wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">R\u00fcckstellungen </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13aa wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">364.803 </div></td><td class=\"c x253 y13aa wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">364.803<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ab wd1 h8a\"><div class=\"t m0 x7 h20 y723 ff4 fs8 fc2 sc0 ls0 ws0\">Sonstige Passiva </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ac wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13ac wd3 h8b\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">462.441 </div></td><td class=\"c x253 y13ac wd8 h8b\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">532.058<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x24e y13ab wcf h4f\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">69.617 </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x239 y13ad wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">hievon geschlossene  </div></td><td></td><td></td><td></td><td class=\"c x24e y13ad wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ad wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13ae wd1 h8b\"><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Derivate im Bankbuch </div></td><td></td><td></td><td></td><td class=\"c x24e y13ae wcf h8b\"><div class=\"t m0 x4f h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.077 </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x253 y13ae wd8 h8b\"><div class=\"t m0 x5a h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">34.077<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13af wd1 h8d\"><div class=\"t m0 x7 h20 y777 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div><div class=\"t m0 x7 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td class=\"c x24c y13b0 wd3 h4f\"><div class=\"t m0 x13 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13b0 wd4 h4f\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13b0 wd7 h4f\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">149.797 </div></td><td></td><td class=\"c x253 y13b0 wd8 h4f\"><div class=\"t m0 x85 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">496.368<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13af wd3 h8f\"><div class=\"t m0 x13 h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td class=\"c x24d y13af wd4 h8f\"><div class=\"t m0 x2e h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">346.572 </div></td><td></td><td></td><td></td><td></td><td class=\"c x251 y13af wd7 h8f\"><div class=\"t m0 x4d h20 y76d ff4 fs8 fc2 sc0 ls0 ws0\">158.704 </div></td><td></td><td class=\"c x253 y13af wd8 h8f\"><div class=\"t m0 x85 h23 y76d ff5 fs8 fc2 sc0 ls22 ws0\">505.276<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b1 wd1 h8a\"><div class=\"t m0 x7 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">Kapital </div><div class=\"t m0 x7 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">  </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x252 y13b2 wd3 h4f\"><div class=\"t m0 xc8 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">3.317.861 </div></td><td class=\"c x253 y13b2 wd8 h4f\"><div class=\"t m0 x79 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">3.317.861<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x239 y13b3 wd1 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls0 ws0\">Summe Bilanzpassiva  </div></td><td></td><td class=\"c x24c y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b3 wd4 h4f\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b3 wcf h4f\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b3 wd7 h4f\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.788.972<span class=\"ls0\"> </span></div></td><td class=\"c x252 y13b3 wd3 h4f\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">4.145.105<span class=\"ls0\"> </span></div></td><td class=\"c x253 y13b3 wd8 h4f\"><div class=\"t m0 x7 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">27.539.663<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x24c y13b4 wd3 h8b\"><div class=\"t m0 xc8 h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">1.535.970<span class=\"ls0\"> </span></div></td><td class=\"c x24d y13b4 wd4 h8b\"><div class=\"t m0 x11 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">1.535.970 </div></td><td class=\"c x24e y13b4 wcf h8b\"><div class=\"t m0 x4f h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">69.617<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x251 y13b4 wd7 h8b\"><div class=\"t m0 x2b h23 y370 ff5 fs8 fc2 sc0 ls22 ws0\">21.767.033<span class=\"ls0\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w344 h1b8\" id=\"_44922ec6-2ba3-40b7-ba33-225ba6f342a5\"><tr><td class=\"c x178 y13b6 w345 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13b7 w346 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13b8 w347 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13b8 w348 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13b9 w349 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13ba w34a h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13bb w34b h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13bb w34c h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13bc w34d h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13bd wdb h92\"><div class=\"t m0 x3b h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td><td class=\"c x25c y13bd wde h92\"><div class=\"t m0 x59 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2022 </div></td><td class=\"c x25d y13bd wdf h92\"><div class=\"t m0 x15 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13bd wdd h92\"><div class=\"t m0 x36 h20 y35f ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2022 </div></td></tr><tr><td class=\"c x1bc y13be wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13be wdb h2a\"><div class=\"t m0 xb1 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25c y13be wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">420<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13be wdf h2a\"><div class=\"t m0 xf h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x25e y13be wdd h2a\"><div class=\"t m0 x34 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x1bc y13bf wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13bf wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">6.069 </div></td><td class=\"c x25c y13bf wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">63.395 </div></td><td class=\"c x25d y13bf wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td><td class=\"c x25e y13bf wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-28.200 </div></td></tr><tr><td class=\"c x1bc y13c0 wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13c0 wdb h12\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.207 </div></td><td class=\"c x25c y13c0 wde h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">101.856 </div></td><td class=\"c x25d y13c0 wdf h12\"><div class=\"t m0 xc9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td><td class=\"c x25e y13c0 wdd h12\"><div class=\"t m0 x9 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-101.351 </div></td></tr><tr><td class=\"c x1bc y13c1 wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13c1 wdb hc\"><div class=\"t m0 x39 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">2.080 </div></td><td class=\"c x25c y13c1 wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">34.171 </div></td><td class=\"c x25d y13c1 wdf hc\"><div class=\"t m0 x42 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td><td class=\"c x25e y13c1 wdd hc\"><div class=\"t m0 x38 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-23.209 </div></td></tr></table>m Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es keine Umgliederungen des kumulierten Gewinn<span class=\"_ _0\"></span>s oder Verlusts innerhalb des Eigenkapitals. <span class=\"_ _1\"></span> <table class=\"s w344 h1ba\" id=\"_d0c76b1b-7115-44fe-b486-32ce8152a8f1\"><tr><td class=\"c x178 y13c2 w345 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c3 w346 h1bc\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">kumulierte \u00c4nderung beizulegender Z<span class=\"_ _5\"></span>eitwert<span class=\"_ _128\"> </span></div></td><td class=\"c x256 y13c4 w347 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _5\"></span> \u00c4nderung<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x257 y13c4 w348 h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Unterschiedsbetrag zwischen Buch-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y13c5 w349 h1bb\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verbindlichkei<span class=\"_ _5\"></span>ten<span class=\"_ _128\"> </span></div></td><td class=\"c x255 y13c6 w34a h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wegen \u00c4nderung eigenes Ausfallrisiko (Erfas-<span class=\"_ _128\"> </span></div></td><td class=\"c x258 y13c7 w34b h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Marktrisiko (Erfassung in GuV)<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x259 y13c7 w34c h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">wert und Nominale<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x25a y13c8 w34d h1b3\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">sung im OCI)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x25b y13c9 wdb hc\"><div class=\"t m0 x3b h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td><td class=\"c x25c y13c9 wde hc\"><div class=\"t m0 x59 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr 2021 </div></td><td class=\"c x25d y13c9 wdf hc\"><div class=\"t m0 x15 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x25e y13c9 wdd hc\"><div class=\"t m0 x36 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">zum 31.12.2021 </div></td></tr><tr><td class=\"c x1bc y13ca wda h2a\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kreditinstituten </div></td><td class=\"c x25b y13ca wdb h2a\"><div class=\"t m0 xc0 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-<span class=\"ls22\">48</span> </div></td><td class=\"c x25c y13ca wde h2a\"><div class=\"t m0 x2e h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">587<span class=\"ls0\"> </span></div></td><td class=\"c x25d y13ca wdf h2a\"><div class=\"t m0 x14 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td><td class=\"c x25e y13ca wdd h2a\"><div class=\"t m0 xd4 h20 y370 ff4 fs8 fc2 sc0 ls22 ws0\">468<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y13cb wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kunden </div></td><td class=\"c x25b y13cb wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.082 </div></td><td class=\"c x25c y13cb wde h12\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">21.888 </div></td><td class=\"c x25d y13cb wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td><td class=\"c x25e y13cb wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">44.346 </div></td></tr><tr><td class=\"c x1bc y13cc wda hc\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td class=\"c x25b y13cc wdb hc\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.062 </div></td><td class=\"c x25c y13cc wde hc\"><div class=\"t m0 x36 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">25.466 </div></td><td class=\"c x25d y13cc wdf hc\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td><td class=\"c x25e y13cc wdd hc\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">12.774 </div></td></tr><tr><td class=\"c x1bc y13cd wda h12\"><div class=\"t m0 x90 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">Nachrangkapital </div></td><td class=\"c x25b y13cd wdb h12\"><div class=\"t m0 x50 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">-3.015 </div></td><td class=\"c x25c y13cd wde h12\"><div class=\"t m0 x2c h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">9.084 </div></td><td class=\"c x25d y13cd wdf h12\"><div class=\"t m0 x4d h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td><td class=\"c x25e y13cd wdd h12\"><div class=\"t m0 x3 h20 y370 ff4 fs8 fc2 sc0 ls0 ws0\">16.057 </div></td></tr></table><table class=\"s w34e h1bd\" id=\"_fab075b1-d021-4a36-9e7c-62abc5e55e9f\"><tr><td class=\"c x178 y13cf w345 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13d1 w34f h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13d2 w350 h1bc\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13d3 w351 h1be\"><div class=\"t m0 x177 h23 y13ce ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13d4 w352 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13d5 w353 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13d6 w354 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13d7 w355 h1af\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13d8 w339 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13d9 w356 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13da w357 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13db w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13db w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13dc w358 h1bf\"><div class=\"t m0 x177 h20 y13d0 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13dd we0 h2a\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13dd we1 h2a\"><div class=\"t m0 x4a h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">6.817 </div></td><td class=\"c x26e y13dd we2 h2a\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13dd w54 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13dd w10 h2a\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13de we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13de we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">240.983 </div></td><td class=\"c x26e y13de we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13de w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">275<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13de w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13de w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table><table class=\"s w34e h1c0\" id=\"_0eabd4bf-0fad-41f3-8d4c-525aed528ca5\"><tr><td class=\"c x178 y13e0 w345 h1c1\"><div class=\"t m0 x177 h23 y13df ff5 fs8 fc2 sc0 ls0 ws0\">Erfolgswirksam zum beizulegenden Zeitwert de-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x25f y13e1 w34f h1c2\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert wegen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x260 y13e2 w350 h1af\"><div class=\"t m0 x177 h20 y1353 ff4 fs8 fc2 sc0 ls0 ws0\">\u00c4nderung beizulegender Zeitwert zugeh<span class=\"_ _5\"></span>\u00f6-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y13e3 w351 h1b9\"><div class=\"t m0 x177 h23 y13b5 ff5 fs8 fc2 sc0 ls0 ws0\">signierte Verm\u00f6genswerte 31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x261 y13e4 w352 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Anpassung Ausfallrisiko<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x262 y13e5 w353 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder \u00e4hnliche<span class=\"_ _5\"></span> Instru-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x263 y13e6 w354 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">maximales Ausfallsri-</div></td><td class=\"c x264 y13e7 w355 h1af\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">Minderung durch zugeh\u00f6-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x265 y13e8 w339 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">mente<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x266 y13e9 w356 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">siko<span class=\"_ _128\"> </span></div></td><td class=\"c x267 y13ea w357 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">rige Kreditderivate oder<span class=\"_ _128\"> </span></div></td><td class=\"c x268 y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x269 y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td><td class=\"c x26a y13eb w54 h89\"><div class=\"t m0 x29 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">im Gesch\u00e4ftsjahr </div></td><td class=\"c x26b y13eb w10 h89\"><div class=\"t m0 x54 h20 y751 ff4 fs8 fc2 sc0 ls0 ws0\">kumuliert </div></td></tr><tr><td></td><td></td><td class=\"c x26c y13ec w358 h1b0\"><div class=\"t m0 x177 h20 y1355 ff4 fs8 fc2 sc0 ls0 ws0\">\u00e4hnl. Instrumente<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y13ed we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x26d y13ed we1 hc\"><div class=\"t m0 x37 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">10.625 </div></td><td class=\"c x26e y13ed we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26a y13ed w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ed w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr><tr><td class=\"c x1bc y13ee we0 hc\"><div class=\"t m0 x90 h23 y84 ff5 fs8 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td class=\"c x26d y13ee we1 hc\"><div class=\"t m0 x60 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">233.985 </div></td><td class=\"c x26e y13ee we2 hc\"><div class=\"t m0 x33 h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x268 y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x269 y13ee w10 hc\"><div class=\"t m0 x3f h20 y84 ff4 fs8 fc2 sc0 ls22 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x26a y13ee w54 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td><td class=\"c x26b y13ee w10 hc\"><div class=\"t m0 xc h20 y84 ff4 fs8 fc2 sc0 ls0 ws0\">- </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-489": {
   "value": "Im Gesch\u00e4ftsjahr 2022 gab<span class=\"_ _0\"></span> es hinsichtlich finanzieller Verm\u00f6genswert<span class=\"_ _0\"></span>e keine Reklassifizierungen aus der Bewertungskategorie z<span class=\"_ _0\"></span>um b<span class=\"_ _0\"></span>eizulegenden Zeitwert<span class=\"_ _0\"></span> mit Wert\u00e4nderungen im<span class=\"_ _128\"> </span> sonstigen Ergebnis (FV/OCI) in<span class=\"_ _0\"></span> die Bewertungskategorie zu fortgef\u00fchrten Anschaffung<span class=\"_ _0\"></span>sko<span class=\"_ _0\"></span>sten (AC) und kein<span class=\"_ _0\"></span>e Reklassifizierungen aus der Bewertungskategorie zum beizulegenden<span class=\"_ _128\"> </span> Zeitwert im Gewinn oder Verlust (FV/<span class=\"_ _0\"></span>PL) in die Bewertungskategorien zu fo<span class=\"_ _0\"></span>rtgef\u00fchrten Anschaffungskosten (A<span class=\"_ _0\"></span>C) oder zum beizule<span class=\"_ _0\"></span>gend<span class=\"_ _0\"></span>en Zeitwert mit Wert\u00e4nd<span class=\"_ _0\"></span>erungen im sonstigen<span class=\"_ _128\"> </span> Ergebnis (FV/OCI). ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-438": {
   "value": "Bewertungsprozess<span class=\"_ _128\"> </span>Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement der Oberbank ist f\u00fcr die unabh\u00e4n<span class=\"_ _0\"></span>gige \u00dcberwachung und Kommunikation von<span class=\"_ _128\"> </span>Risiken sowie f\u00fcr die Bewertung der Finan<span class=\"_ _0\"></span>zinstrumente zust\u00e4ndig. Sie ist aufbau<span class=\"_ _0\"></span>organisatorisch vom Hand<span class=\"_ _0\"></span>el, der f\u00fcr die Initi-<span class=\"_ _128\"> </span>ierung bzw. den A<span class=\"_ _0\"></span>bschluss der Gesch\u00e4fte zust\u00e4nd<span class=\"_ _0\"></span>ig ist, getrennt. Die Handelsbuchpositionen werden t<span class=\"_ _0\"></span>\u00e4glich zu Gesch\u00e4fts-<span class=\"_ _128\"> </span>schluss mit aktuellen M<span class=\"_ _0\"></span>arktpreisen bewertet. Als Marktpreise werden a<span class=\"_ _0\"></span>ktuelle B\u00f6rsenkurse verwendet soweit ein \u00f6ffentlich notierter M<span class=\"_ _0\"></span>arktpreis zur Verf\u00fcg<span class=\"_ _1\"></span>ung steht.<span class=\"_ _128\"> </span>Wenn eine direkte Bewertun<span class=\"_ _0\"></span>g zu B\u00f6rsenkursen nicht m\u00f6glich ist, werden Modellwert<span class=\"_ _0\"></span>e, die sich aus der Zugrundelegung ak-<span class=\"_ _128\"> </span>tueller beobachtbarer Marktdaten (Zin<span class=\"_ _0\"></span>skurven, Volatilit\u00e4ten,\u2026.) ergeben, verwend<span class=\"_ _0\"></span>et. Diese Marktdaten werden t\u00e4glich vali-<span class=\"_ _128\"> </span>diert und in<span class=\"_ _0\"></span> tourlichen Abst\u00e4nden werden die Modellpreise mit tats\u00e4chlich am Mar<span class=\"_ _0\"></span>kt erzielbaren Preisen verglichen, dabei<span class=\"_ _128\"> </span>werden die Modellpreise der Derivate mit d<span class=\"_ _0\"></span>en Modellwerten der Partnerb<span class=\"_ _0\"></span>anken verglichen. Der Vorstand wird t\u00e4glich \u00fcber<span class=\"_ _128\"> </span>die Risikoposition<span class=\"_ _0\"></span> und die Bewertungsergebnisse aus d<span class=\"_ _0\"></span>en gesamten Handelsbuchpositionen informiert. D<span class=\"_ _0\"></span>ie Ermittlung von<span class=\"_ _128\"> </span>Fair Values zu Finanzinstru<span class=\"_ _0\"></span>menten, die nicht das Handelsbuch betreffen, erfolgt quartalsw<span class=\"_ _0\"></span>eise.<span class=\"_ _0\"></span> Bewertungsverfahren zur Ermittlung des Fair Value<span class=\"_ _0\"></span> Die verwendeten <span class=\"_ _0\"></span>Bewertungsmodelle entsprechen anerkannt<span class=\"_ _0\"></span>en finanzmathematischen Methoden zu<span class=\"_ _0\"></span>r Bewertung von Fi-<span class=\"_ _128\"> </span>nanzinstrument<span class=\"_ _0\"></span>en und ber\u00fccksichtigen alle Faktoren, die die Marktt<span class=\"_ _0\"></span>eilnehmerInnen bei der Festlegung eines Preises als an-<span class=\"_ _128\"> </span>gemessen betrachten<span class=\"_ _0\"></span>. Zur Fair Value Bewertun<span class=\"_ _0\"></span>g kommt als Bewertungsansatz d<span class=\"_ _0\"></span>er einkommensbasierte Ansatz zur Anwen-<span class=\"_ _128\"> </span>dung. Der marktbasierte An<span class=\"_ _0\"></span>satz wird lediglich bei der Fair Value Bewertung von struktur<span class=\"_ _0\"></span>ierten Produkten verwendet.<span class=\"_ _0\"></span> Inputfaktoren zur Berechnung des Fair Value<span class=\"_ _0\"></span> Die Fair Value Bewertun<span class=\"_ _0\"></span>g f\u00fcr Level 1 Finanzinstru<span class=\"_ _0\"></span>mente erfolgt mit an aktiven M\u00e4rkten notierten Preisen. Darunt<span class=\"_ _0\"></span>er fallen<span class=\"_ _128\"> </span>b\u00f6rsennotierte Wertpap<span class=\"_ _0\"></span>iere und Derivate. Wenn eine direkte Bewertung zu B\u00f6rsenkursen<span class=\"_ _0\"></span> nicht m\u00f6glich ist, werden f\u00fcr die<span class=\"_ _128\"> </span>Ermittlung des Zeitwerts in Level 2 Modellwe<span class=\"_ _0\"></span>rte, die sich aus <span class=\"_ _0\"></span>der Zugrundelegung aktueller Marktd<span class=\"_ _0\"></span>aten (Zinskurven, Volatili-<span class=\"_ _128\"> </span>t\u00e4ten, etc.) ergeben<span class=\"_ _0\"></span>, verwendet. Die der Bewertung zugrund<span class=\"_ _0\"></span>e liegenden Zinskurven und Volat<span class=\"_ _0\"></span>ilit\u00e4ten kommen vom System<span class=\"_ _128\"> </span>Refinitiv.<span class=\"_ _128\"> </span>Es kommen anerkannt<span class=\"_ _0\"></span>e Bewertungsmodelle zum Einsat<span class=\"_ _0\"></span>z, wobei die Bewertun<span class=\"_ _0\"></span>g zu Marktbedingungen durchgef\u00fch<span class=\"_ _0\"></span>rt wird. Im<span class=\"_ _128\"> </span>Fall von Derivaten kommt b<span class=\"_ _0\"></span>ei symmetrischen Produkten (z. B. IRS) die Discount<span class=\"_ _0\"></span>ed Cashflow Methode zur<span class=\"_ _0\"></span> Anwendung. Die<span class=\"_ _128\"> </span>beizulegenden Zeitwerte f\u00fcr a<span class=\"_ _0\"></span>symmetrische Produkte (Optionen) werd<span class=\"_ _0\"></span>en mit Standardmethoden (z. B. Black Scholes, Hull &amp;<span class=\"_ _128\"> </span>White, ...) berechnet. F\u00fcr<span class=\"_ _0\"></span> strukturierte Produkte erfolgt die Ermittlun<span class=\"_ _0\"></span>g mit Hilfe der Nutzung von Preisinformation<span class=\"_ _0\"></span>en Dritter<span class=\"_ _0\"></span><span class=\"ls26\">. <span class=\"_ _0\"></span></span> S\u00e4mtliche Derivate werden zu<span class=\"_ _0\"></span>n\u00e4chst gegenparteirisikofrei bewertet. In<span class=\"_ _0\"></span> einem zweiten Schritt wird aufbauend auf intern<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>Ausfallswahrscheinlichkeiten auf Basis eines erw<span class=\"_ _0\"></span>arteten Verlusts ein Kreditrisikoabschlag (CVA) ermittelt.<span class=\"_ _1\"></span> Die Zeitwerte f\u00fcr nicht b\u00f6rsennot<span class=\"_ _0\"></span>ierte Wertp<span class=\"_ _0\"></span>apiere werden aus dem System Geos entnommen. D<span class=\"_ _0\"></span>ie Zeitwerte f\u00fcr Anteile an<span class=\"_ _128\"> </span>Fonds werden von d<span class=\"_ _0\"></span>en Fondsgesellschaften \u00fcberno<span class=\"_ _0\"></span>mmen. Die Berechnung des beizulegenden Zeitwerts <span class=\"_ _0\"></span>f\u00fcr Verbriefte Ver-<span class=\"_ _128\"> </span>bindlichkeiten, Nachrangkapit<span class=\"_ _0\"></span>al und Verbindlichkeiten gegen\u00fcbe<span class=\"_ _0\"></span>r Banken und Kund<span class=\"_ _0\"></span>en erfolgt nach der Barwertmethode<span class=\"_ _128\"> </span>(Discounted Cashflow<span class=\"_ _0\"></span>), wobei die Ermittlung der Cashflow<span class=\"_ _0\"></span>s der Eigenen Emissionen auf Basis des Vertragszinssatzes erfolgt.<span class=\"_ _1\"></span> <span class=\"_ _7\"> </span>Zur Abzinsung w<span class=\"_ _0\"></span>ird die der W\u00e4hrung entsprechende Diskontkurve herangezogen, wob<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>i ein der Seniorit\u00e4t entsprechender<span class=\"_ _128\"> </span>Bonit\u00e4ts<span class=\"_ _0\"></span>-Spread der Bank als Aufschlag verwendet wird<span class=\"_ _0\"></span>. Die Bonit\u00e4tsaufschl\u00e4ge werden regelm\u00e4\u00dfig an d<span class=\"_ _0\"></span>ie jeweiligen M<span class=\"_ _0\"></span>arkt-<span class=\"_ _128\"> </span>gegebenheiten angepasst.<span class=\"_ _0\"></span> F\u00fcr die Ermittlung des Zeitwerts in Level 3 kommen an<span class=\"_ _0\"></span>erkannte Bewertungsmod<span class=\"_ _0\"></span>e<span class=\"_ _0\"></span>lle zum Einsatz. Die Fair Value Berechnu<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span>von Forderungen an Ban<span class=\"_ _0\"></span>ken und Kunden basiert auf d<span class=\"_ _0\"></span>en diskontierten Kontrakt<span class=\"_ _0\"></span>-Cash<span class=\"_ _0\"></span>flows (anhand der vertraglichen Til-<span class=\"_ _128\"> </span>gungsstruktur) und<span class=\"_ _0\"></span> den diskontierten Expected Credit Lo<span class=\"_ _0\"></span>ss Cashflows (ber\u00fccksichtigt Bonit\u00e4tseinstu<span class=\"_ _1\"></span>fung der KundInnen und<span class=\"_ _128\"> </span>Sicherheiten) Als Devisenkurs werden<span class=\"_ _0\"></span> die von der EZB ver\u00f6ffentlichten<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>Referenzkurse verwendet. E<span class=\"_ _0\"></span>ine m\u00f6gliche Bonit\u00e4tsver-<span class=\"_ _128\"> </span>schlechterung der Kund<span class=\"_ _0\"></span>en hat eine Auswirkung auf die Ermittlung der Fair<span class=\"_ _0\"></span> Values f\u00fcr Level 3 Finanzinstrumente.<span class=\"_ _0\"></span> Be<span class=\"ff9 ls0\">i einer Erh\u00f6hung der R<span class=\"_ _0\"></span>isikoaufschl\u00e4ge um 50 BP w\u00fcrden die zum Fair Valu<span class=\"_ _0\"></span>e bewerteten Forderungen an Kunden u<span class=\"_ _0\"></span>m \u20ac 0,3<span class=\"_ _128\"> </span></span>Mio. (31.12.2021 \u20ac 0,4 Mio.) sin<span class=\"_ _0\"></span>ken, bei einer Erh\u00f6hung d<span class=\"_ _0\"></span>er Risikoaufschl\u00e4ge um 100 BP sinken die Fair Values dieser For<span class=\"_ _0\"></span>de-<span class=\"_ _128\"> </span>rungen um \u20ac 0,5 Mio<span class=\"_ _0\"></span>. (31.12.2021 \u20ac 0,7 Mio.). <span class=\"_ _0\"></span><span class=\"ff4\">Die Ermittlung des Fair Values f\u00fcr Beteiligungen u<span class=\"_ _0\"></span>nd Anteile an verbundenen<span class=\"_ _0\"></span> </span>Unternehmen erfolgt in erst<span class=\"_ _0\"></span>er Linie nach dem Discounted Cashflow Bruttoverfahren<span class=\"_ _0\"></span> bzw. als Mischverfahren (Multiple<span class=\"_ _1\"></span>-Ver-<span class=\"_ _128\"> </span>fahren in Kombination mit D<span class=\"_ _0\"></span>iscounted Cashflow<span class=\"_ _0\"></span> Verfahren) oder mittels anderer Verfahren der Unternehmensb<span class=\"_ _0\"></span>ewertung.<span class=\"_ _0\"></span> \u00c4nderungen in der Fair<span class=\"_ _0\"></span>-Value-Hierarchie bzw. in der Einstufun<span class=\"_ _0\"></span>g erfolgen, wenn sich die Qualit\u00e4t der in den Bewertun<span class=\"_ _0\"></span>gsver-<span class=\"_ _128\"> </span>fahren verwendeten Inputp<span class=\"_ _0\"></span>arameter \u00e4ndert. Die Einstufung<span class=\"_ _0\"></span> wird zum Ende der Bericht<span class=\"_ _0\"></span>speriode ge\u00e4ndert.<span class=\"_ _128\"> </span>Die folgende Tabelle zeigt die En<span class=\"_ _0\"></span>twicklung der Beteiligungen FV/OCI, die zum Fair V<span class=\"_ _0\"></span>alue bewertet werden und<span class=\"_ _0\"></span> dem Level 3<span class=\"_ _128\"> </span>zugeordnet sind. Die Er<span class=\"_ _0\"></span>mittlung des Fair Values f\u00fcr diese Verm\u00f6gensgegenst\u00e4nde erfolgt in<span class=\"_ _0\"></span> e<span class=\"_ _0\"></span>rster Linie nach dem Discou<span class=\"_ _0\"></span>n-<span class=\"_ _128\"> </span>ted Cashflow Brutto<span class=\"_ _0\"></span>verfahren bzw. als Mischverfahren (Multiple-Verfah<span class=\"_ _0\"></span>ren in Kombination mit Discou<span class=\"_ _0\"></span>nted Cashflow Verfah-<span class=\"_ _128\"> </span>ren) oder mittels anderer V<span class=\"_ _0\"></span>erfahren der Unternehmensbewertung.<span class=\"_ _0\"></span> <table class=\"s w363 h1c7\" id=\"_127799c0-ffa7-48d8-841d-2b6bce756c1d\"><tr><td class=\"c x174 y143d wf2 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Entwicklung in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x27e y143d w59 hc\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x27f y143d w58 hc\"><div class=\"t m0 x72 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y143e wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x27e y143e w59 hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td class=\"c x27f y143e w58 hc\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">237.299 </div></td></tr><tr><td class=\"c x174 y143f wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge (K\u00e4ufe) </div></td><td class=\"c x27e y143f w59 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y143f w58 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">511<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1440 wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Verk\u00e4ufe) </div></td><td class=\"c x27e y1440 w59 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1440 w58 hc\"><div class=\"t m0 xc9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-12.744 </div></td></tr><tr><td class=\"c x174 y1441 wf2 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erstbewertungen wegen IFRS 9<span class=\"_ _0\"></span> </div></td><td class=\"c x27e y1441 w59 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1441 w58 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1442 wf2 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgsneutrale Bewertungs\u00e4nderun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x27e y1442 w59 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.472 </div></td><td class=\"c x27f y1442 w58 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.867 </div></td></tr><tr><td class=\"c x174 y1443 wf2 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erfolgswirksame Bewertungs\u00e4nderu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x27e y1443 w59 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x27f y1443 w58 h12\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1444 wf2 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x27e y1444 w59 hc\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">263.405<span class=\"ls0\"> </span></div></td><td class=\"c x27f y1444 w58 hc\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">241.933<span class=\"ls0\"> </span></div></td></tr></table>Das sonstige Ergebnis erh<span class=\"_ _0\"></span>\u00f6hte sich um 19.913 Tsd. Euro (VJ: Erh\u00f6hung u<span class=\"_ _0\"></span>m 12.768 Tsd. Euro) aus diesen Instru<span class=\"_ _0\"></span>menten.<span class=\"_ _0\"></span> Die Bestimmung des Fair Values der zu<span class=\"_ _0\"></span>m Fair Value bewerteten Beteiligungen FV/<span class=\"_ _0\"></span>OCI der Stufe 3 basiert auf folgenden<span class=\"_ _0\"></span> <span class=\"_ _0\"></span> wesentlichen nicht<span class=\"_ _0\"></span> beobachtbaren Inputfaktoren:<table class=\"s w364 h1c8\" id=\"_39171c34-0077-4a19-878d-7dea06da8836\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x280 y1445 w365 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Zusammenhang zwischen wesentlichen, nicht beobachtbare<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x281 y1446 w366 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wesentliche, nicht beobachtbare In-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1446 w367 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Inputfaktoren und der Bewertung zum beizulegenden Zeit-<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td class=\"c x281 y1447 w368 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">putfaktoren<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1447 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1448 w36a h1ca\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Beteiligungen<span class=\"_ _128\"> </span></div></td><td class=\"c x282 y1449 w36b h1cb\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Diskontierungssat<span class=\"_ _0\"></span>z 5,50 %<span class=\"ff9\">\u2013</span>9,86 %<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td class=\"c x280 y1449 w36c h1cb\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Der gesch\u00e4tzte beizulegende Zeitw<span class=\"_ _0\"></span>ert w\u00fcrde steigen (sinken),<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y144a w36d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">FV/OCI<span class=\"_ _128\"> </span></div></td><td class=\"c x282 y144b w36e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">(VJ<span class=\"_ _128\"> </span></div></td><td class=\"c x283 y144b w36f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">4,59<span class=\"_ _128\"> </span></div></td><td class=\"c x284 y144b w370 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">%<span class=\"ff9\">\u2013</span>8,62<span class=\"_ _128\"> </span></div></td><td class=\"c x285 y144b w371 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">%), gewichtet<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td class=\"c x280 y144b w372 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">wenn der Diskontierun<span class=\"_ _0\"></span>gssatz niedriger (h\u00f6her) w\u00e4re.<span class=\"_ _128\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x282 y1161 w373 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Durchschnitt 6,25 % (VJ 5,08<span class=\"_ _0\"></span> <span class=\"ls28\">%</span><span class=\"ls28\">)<span class=\"_ _128\"> </span></span></div></td><td></td></tr></table>F\u00fcr die Fair Values der Bet<span class=\"_ _0\"></span>eiligungen FV/OCI h\u00e4tte eine f\u00fcr<span class=\"_ _0\"></span> m\u00f6glich gehaltene \u00c4nd<span class=\"_ _0\"></span>erung bei einem der wesentlichen, nicht<span class=\"_ _0\"></span> beobachtbaren Inputfaktor<span class=\"_ _0\"></span>en, unter Beibehaltung der anderen In<span class=\"_ _0\"></span>putfaktoren, die nachstehenden Auswir<span class=\"_ _0\"></span>kungen auf das<span class=\"_ _128\"> </span>sonstige Ergebnis nach Steu<span class=\"_ _0\"></span>ern:<table class=\"s w374 h1cc\" id=\"_59949ca6-8dcd-4349-80ea-dad650d39c3e\"><tr><td></td><td class=\"c x286 y144c wf7 h12\" colspan=\"2\"><div class=\"t m0 xf h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x22d y144c wf7 h12\" colspan=\"2\"><div class=\"t m0 xf h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y144d wf6 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. Euro </div></td><td class=\"c x286 y144d waa hf\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung </div></td><td class=\"c x287 y144d wf8 hf\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Minderung </div></td><td class=\"c x22d y144d waa hf\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Erh\u00f6hung </div></td><td class=\"c x176 y144d wf8 hf\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Minderung </div></td></tr><tr><td class=\"c x174 y144e wf6 hf\"><div class=\"t m0 x88 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Diskontierungssat<span class=\"_ _0\"></span>z (0,25 % Ver\u00e4nderung) </div></td><td class=\"c x286 y144e waa hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.353 </div></td><td class=\"c x287 y144e wf8 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.473 </div></td><td class=\"c x22d y144e waa hf\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.794 </div></td><td class=\"c x176 y144e wf8 hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.044 </div></td></tr></table>F\u00fcr weitere Inputfaktor<span class=\"_ _0\"></span>en (z.B. Planwerte) wurde eine Sensitivit\u00e4tsanalyse als n<span class=\"_ _0\"></span>icht aussagekr\u00e4ftig erachtet.<span class=\"_ _0\"></span> Die restlic<span class=\"_ _5\"></span>hen mit <span class=\"_ _5\"></span>dem <span class=\"_ _5\"></span>Fair <span class=\"_ _5\"></span>Value bewerteten Finanzinstrumente <span class=\"_ _5\"></span>in <span class=\"_ _5\"></span>Level 3 <span class=\"_ _3d\"></span>betr<span class=\"_ _0\"></span>effen <span class=\"_ _5\"></span>Forderungen an <span class=\"_ _5\"></span>Kunden, f\u00fcr <span class=\"_ _5\"></span>die <span class=\"_ _5\"></span>die Fair-<span class=\"_ _128\"> </span>Value-Option in Anspru<span class=\"_ _0\"></span>ch genommen wird. <span class=\"_ _7\"> </span> <table class=\"s w375 h1cd\" id=\"_eb5fb455-7815-4a9c-9e82-a77d405afb89\"><tr><td class=\"c x174 y144f wd hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Entwicklung 2022 in Tsd. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td class=\"c x288 y144f wfa hc\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td></tr><tr><td class=\"c x174 y1450 wd h2a\"><div class=\"t m0 x7 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x288 y1450 wfa h2a\"><div class=\"t m0 xe3 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">16.513 </div></td></tr><tr><td class=\"c x174 y1451 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcbertrag in Level 2 </div></td><td class=\"c x288 y1451 wfa hc\"><div class=\"t m0 xe4 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1452 wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x288 y1452 wfa hc\"><div class=\"t m0 xe5 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.187 </div></td></tr><tr><td class=\"c x174 y1453 wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Tilgungen) </div></td><td class=\"c x288 y1453 wfa h12\"><div class=\"t m0 xe6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-3.068 </div></td></tr><tr><td class=\"c x174 y1454 wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung Mar<span class=\"_ _0\"></span>ktwert </div></td><td class=\"c x288 y1454 wfa hc\"><div class=\"t m0 xe7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">941</span> </div></td></tr><tr><td class=\"c x174 y1455 wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus Abg\u00e4ngen</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y1455 wfa h12\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">105</span> </div></td></tr><tr><td class=\"c x174 y1456 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus in Bestand befindlich</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y1456 wfa hc\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">836</span> </div></td></tr><tr><td class=\"c x174 y1457 wd hc\"><div class=\"t m0 x7 h6 ydb ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x288 y1457 wfa hc\"><div class=\"t m0 xe3 h6 ydb ff5 fs2 fc2 sc0 ls2 ws0\">13.691<span class=\"ls0\"> </span></div></td></tr></table>Zwischen Level 1 und Level 2 ist es zu kein<span class=\"_ _0\"></span>en Umschichtungen gekommen.<span class=\"_ _0\"></span> <table class=\"s w375 h1ce\" id=\"_7c99ce77-5c8b-4601-8f9c-1468c72d294a\"><tr><td class=\"c x174 y1458 wd hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung 2021 in <span class=\"ffb\">Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x288 y1458 wfa hc\"><div class=\"t m0 x30 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td></tr><tr><td class=\"c x174 y1459 wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 1.1. </div></td><td class=\"c x288 y1459 wfa hc\"><div class=\"t m0 xe3 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.301 </div></td></tr><tr><td class=\"c x174 y145a wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">\u00dcbertrag in Level 2 </div></td><td class=\"c x288 y145a wfa hc\"><div class=\"t m0 xe4 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y145b wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Zug\u00e4nge </div></td><td class=\"c x288 y145b wfa h12\"><div class=\"t m0 xe4 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y145c wd h2a\"><div class=\"t m0 x7 h5 y7e1 ff4 fs2 fc2 sc0 ls0 ws0\">Abg\u00e4nge (Tilgungen) </div></td><td class=\"c x288 y145c wfa h2a\"><div class=\"t m0 xe8 h5 y7e1 ff4 fs2 fc2 sc0 ls0 ws0\">-31.172 </div></td></tr><tr><td class=\"c x174 y145d wd h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">Ver\u00e4nderung Mar<span class=\"_ _0\"></span>ktwert </div></td><td class=\"c x288 y145d wfa h12\"><div class=\"t m0 xe6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-2.616 </div></td></tr><tr><td class=\"c x174 y145e wd hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus Abg\u00e4ngen</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y145e wfa hc\"><div class=\"t m0 xe7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">182</span> </div></td></tr><tr><td class=\"c x174 y145f wd hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">hievon aus in Bestand befindlich</span><span class=\"ls0\"> </span></div></td><td class=\"c x288 y145f wfa hc\"><div class=\"t m0 xe6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-2.434 </div></td></tr><tr><td class=\"c x174 y1460 wd hc\"><div class=\"t m0 x7 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzwert am 31.12. </div></td><td class=\"c x288 y1460 wfa hc\"><div class=\"t m0 xe3 h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">16.513<span class=\"ls0\"> </span></div></td></tr></table>Zwischen Level 1 und Level 2 ist es zu kein<span class=\"_ _0\"></span>en Umschichtungen gekommen.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-413": {
   "value": "32) Angaben zu nahestehenden Personen und Unternehmen<span class=\"_ _0\"></span> Die Gesamtbez\u00fcge des Vorstands <span class=\"_ _0\"></span>betrugen im Konzern 3.124,2 Tsd. Eur<span class=\"_ _0\"></span>o (Vorjahr 2.667,5 Tsd. Euro). D<span class=\"_ _0\"></span>er darin enthaltene<span class=\"_ _128\"> </span>variable Anteil betrug 741,2 T<span class=\"_ _0\"></span>sd. Euro (Vorjahr 453,7 Tsd. Euro).<span class=\"_ _0\"></span> An fr\u00fchere Mitglieder des Vor<span class=\"_ _0\"></span>stands und deren Hint<span class=\"_ _0\"></span>erbliebene wurden 1.219,7 Tsd. Euro (Vorjahr 1.260,1 T<span class=\"_ _0\"></span>sd. Euro) gezahlt.<span class=\"_ _128\"> </span>Zus\u00e4tzliche Pensionsabfindu<span class=\"_ _0\"></span>ngen an ehemalige Vorstandsmit<span class=\"_ _0\"></span>glieder (einschlie\u00dflich ihrer Hinterbliebenen) gab es im <span class=\"_ _1\"></span> Gesch\u00e4ftsjahr keine. Die Au<span class=\"_ _0\"></span>fwendungen (+)/Ertr\u00e4g<span class=\"_ _0\"></span>e (-) f\u00fcr Abfertigungen und Pensionen d<span class=\"_ _0\"></span>er Vorstandsmitglieder (einschlie\u00dflich ehemaliger Vorstand<span class=\"_ _0\"></span>smitglieder und ihrer Hinterbliebenen) betrugen im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr <span class=\"_ _0\"></span>-5.898,3 T<span class=\"_ _0\"></span>sd. Euro<span class=\"_ _128\"> </span>(Vorjahr -1.382,2 T<span class=\"_ _0\"></span>sd. Euro). Darin sind erfolgsneutrale Ver\u00e4nderun<span class=\"_ _0\"></span>gen (ve<span class=\"_ _0\"></span>rsicherungsmathematische Gewinne oder V<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span>luste aus der \u00c4nderun<span class=\"_ _0\"></span>g der Parameter f\u00fcr die versicherungsmathematische Berechnu<span class=\"_ _0\"></span>ng der Abfertigungs<span class=\"_ _1\"></span>- und Pensions-<span class=\"_ _128\"> </span>r\u00fcckstellung) enthalten<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Die von der ordentlichen Hauptversammlung 2021 mit en<span class=\"_ _0\"></span>tsprechender Mehrheit verab<span class=\"_ _0\"></span>schiedete Verg\u00fctungsrichtlinie der<span class=\"_ _128\"> </span>Oberbank AG sieht ein au<span class=\"_ _0\"></span>sgewogenes Verh\u00e4ltnis von fixen und var<span class=\"_ _0\"></span>iablen Bez\u00fcgen vor, wobei die variablen Bez\u00fcge maximal<span class=\"_ _128\"> </span>40 % des fixen Bezugs betr<span class=\"_ _0\"></span>agen d\u00fcrfen. Das fixe Basisgehalt orient<span class=\"_ _0\"></span>iert sich an den jeweiligen Aufgabengebieten. <span class=\"_ _0\"></span>Die variable <span class=\"_ _0\"></span> Gehaltskomponente b<span class=\"_ _0\"></span>er\u00fccksichtigt gemeinsame und pers\u00f6nliche Leistungen der V<span class=\"_ _0\"></span>orstandsmitglieder ebenso wie die gene-<span class=\"_ _128\"> </span>relle Unternehmensentwicklung.<span class=\"_ _128\"> </span>Die wesentlichen finanziellen un<span class=\"_ _0\"></span>d nichtfinanziellen Leistungskriterien, die der V<span class=\"_ _0\"></span>erg\u00fctungsausschuss f\u00fcr die Bemessung der<span class=\"_ _128\"> </span>variablen Bez\u00fcge der Vor<span class=\"_ _0\"></span>st\u00e4nde heranzuziehen hat, sind: <span class=\"_ _0\"></span> 1<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Erreichen der strat<span class=\"_ _0\"></span>egischen Finanzziele auf Basis der definierten<span class=\"_ _0\"></span> Str<span class=\"_ _0\"></span>ategie und der Mehrjahresp<span class=\"_ _0\"></span>la-<span class=\"_ _128\"> </span>nung der flie\u00dft zu 35 %<span class=\"_ _0\"></span> in die Entscheidung ein.<span class=\"_ _128\"> </span>2<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Einhalt<span class=\"_ _0\"></span>en der strategischen Risikoausnutzung gem\u00e4\u00df Gesamtbankrisikos<span class=\"_ _0\"></span>teuerung flie\u00dft ebenfalls<span class=\"_ _128\"> </span>zu 35 % in die Entscheidung ein.<span class=\"_ _0\"></span> 3<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Erreichen der strat<span class=\"_ _0\"></span>egischen (au<span class=\"_ _0\"></span>ch nichtfinanziellen) Ziele kann das Ergebnis aus d<span class=\"_ _0\"></span>er Berechnung<span class=\"_ _128\"> </span>von 1 und 2 um maximal 20 Prozent<span class=\"_ _0\"></span>punkte erh\u00f6hen.<span class=\"_ _128\"> </span>4<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Komplettiert wird das Ergebnis f\u00fcr jedes Vor<span class=\"_ _0\"></span>standsmitglied getrennt aufgrund der Entw<span class=\"_ _0\"></span>icklung der von ihm speziell<span class=\"_ _128\"> </span>zu verantwortend<span class=\"_ _0\"></span>en Aufgabenbereiche laut Ressortsv<span class=\"_ _0\"></span>erteilung, wobei das Ergebnis aus 1<span class=\"_ _0\"></span>-3 hier noch um maximal<span class=\"_ _128\"> </span>10 Prozentpunkte erh\u00f6ht w<span class=\"_ _0\"></span>erden kann.<span class=\"_ _128\"> </span>Bei einer dergestalt ermittelten Gesamtzielerreichung vo<span class=\"_ _0\"></span>n 100 % w\u00fcrde dem jeweiligen Vorst<span class=\"_ _0\"></span>andsmitglied eine variable Ver-<span class=\"_ _128\"> </span>g\u00fctung von<span class=\"_ _0\"></span> 30 % des Fixgehaltes zustehen, die bei \u00dcbererreichung d<span class=\"_ _0\"></span>er Ziele aber mit 40 % gedeckelt ist. Pro Prozent Zielun-<span class=\"_ _128\"> </span>terschreitung unter die 100 % wird<span class=\"_ _0\"></span> ein Prozentpunkt weniger variable Verg\u00fctung zugespr<span class=\"_ _0\"></span>ochen, sodass bei einer Zielerrei-<span class=\"_ _128\"> </span>chung von 70 % oder w<span class=\"_ _0\"></span>eniger kein variabler Bezug zusteht.<span class=\"_ _128\"> </span>In Entsprechung d<span class=\"_ _0\"></span>er gesetzlichen Vorgaben wird die variable Verg\u00fctun<span class=\"_ _0\"></span>g des Vorstandes, deren H\u00f6he anhand der \u201eParameter<span class=\"_ _128\"> </span>f\u00fcr die Beurteilung der variablen V<span class=\"_ _0\"></span>erg\u00fctungen f\u00fcr den Vorstand\u201c vom Verg\u00fctun<span class=\"_ _0\"></span>gsausschuss j\u00e4hrlich in s<span class=\"_ _1\"></span><span class=\"ff4\">einer M\u00e4rzsitzung<span class=\"_ _128\"> </span></span>festgelegt wird, zu 50 % in Aktien und<span class=\"_ _0\"></span> 50 % in Cash ausgezahlt werden, wobei die Akt<span class=\"_ _0\"></span>ien einer Haltefrist von drei Jahren un-<span class=\"_ _128\"> </span>terliegen und der auf f\u00fcn<span class=\"_ _0\"></span>f Jahre r\u00fcckzustellende Anteil zu gleichen Teilen aus Aktien und Cash<span class=\"_ _0\"></span> besteht.<span class=\"_ _0\"></span> Da Bemessung un<span class=\"_ _0\"></span>d Zuerkennung der variablen Verg\u00fctungen immer erst<span class=\"_ _0\"></span> im Nachhinein erfolgen, sind bilanziell entsp<span class=\"_ _0\"></span>re-<span class=\"_ _128\"> </span>chende R\u00fcckstellungen zu b<span class=\"_ _0\"></span>ilden, was aber im Wissen um die sehr mod<span class=\"_ _0\"></span>erate Politik des Verg\u00fctungsausschusses au<span class=\"_ _0\"></span>ch gut<span class=\"_ _128\"> </span>planbar ist. Diese betrugen 2020 f\u00fc<span class=\"_ _0\"></span>r d<span class=\"_ _0\"></span>ie 2021 ausgezahlten Verg\u00fctungen 240 T<span class=\"_ _0\"></span>sd. Euro und 2021 f\u00fcr die 2022 ausgezahlten<span class=\"_ _128\"> </span>Verg\u00fctungen 467,5 Tsd<span class=\"_ _0\"></span>. Euro. In der Bilanz zum 31.12.2022 sind f\u00fc<span class=\"_ _0\"></span>r die in 2023 f\u00fcr 2022 zur Auszahlun<span class=\"_ _0\"></span>g gelangenden Verg\u00fc-<span class=\"_ _128\"> </span>tungen 741,2 Tsd. Euro<span class=\"_ _0\"></span> eingestellt. Die Auszahlung er<span class=\"_ _0\"></span>folgt wie bei den MitarbeiterInnen mit d<span class=\"_ _0\"></span>er Mai-Gehaltsabrechnun<span class=\"_ _0\"></span>g, wobei der Betrag f\u00fcr den Aktienanteil<span class=\"_ _128\"> </span>auf ein gesperrtes Depotverr<span class=\"_ _0\"></span>echnungskonto des Vorstandsmitglieds gebucht wird<span class=\"_ _0\"></span> und f\u00fcr die Bezahlung der zu erwerben-<span class=\"_ _128\"> </span>den Aktienanteile verwendet<span class=\"_ _0\"></span> wird, die dann einer dreij\u00e4hrigen Verkaufssp<span class=\"_ _0\"></span>erre unterliegen.<span class=\"_ _128\"> </span>F\u00fcr die jedes Jahr au<span class=\"_ _0\"></span>fgrund gesetzlicher Verpflichtung nicht zur Au<span class=\"_ _0\"></span>szahlung gelangenden Anteile (je 50 % Cash un<span class=\"_ _0\"></span>d 50 % Ak-<span class=\"_ _128\"> </span>tien) bleiben die R\u00fcckstellun<span class=\"_ _0\"></span>gsteile entsprechend bestehen. Sie betr<span class=\"_ _0\"></span>ugen <span class=\"_ _0\"></span>2021 180 Tsd. Euro und<span class=\"_ _0\"></span> 2022 368 Tsd. Euro.<span class=\"_ _0\"></span> Diese<span class=\"_ _128\"> </span>Betr\u00e4ge werden aufgeteilt au<span class=\"_ _0\"></span>f die f\u00fcnf Folgejahre nach Freigabe durch d<span class=\"_ _0\"></span>en Verg\u00fctungsausschuss jeweils erst ausbezahlt.<span class=\"_ _1\"></span> Die f\u00fcr die variablen Vorstandsverg\u00fctungen zu b<span class=\"_ _0\"></span>ildenden R\u00fcckstellungen stellen bilanziell einen <span class=\"_ _0\"></span>Perso<span class=\"_ _0\"></span>nalmehraufwand dar. <span class=\"_ _7\"> </span>Die Mitglieder des Aufsichtsr<span class=\"_ _0\"></span>ats erhalten eine j\u00e4hrliche Verg\u00fctung und den Ersat<span class=\"_ _0\"></span>z der durch ihre Funktion entstandenen Bar-<span class=\"_ _128\"> </span>auslagen, aber keine Sitzun<span class=\"_ _0\"></span>gsgelder. Die H\u00f6he der Verg\u00fctung der Aufsicht<span class=\"_ _0\"></span>sratsmitglieder wurde von der Hauptv<span class=\"_ _1\"></span>ersammlung<span class=\"_ _128\"> </span>(zuletzt ge\u00e4ndert mit Beschlu<span class=\"_ _0\"></span>ss vom 17. Mai 2022) bis auf w<span class=\"_ _0\"></span>eiteres folgenderma\u00dfen festgelegt:<span class=\"_ _0\"></span> Die H\u00f6he dieser Verg\u00fctun<span class=\"_ _0\"></span>g wurde von der Hauptversammlun<span class=\"_ _0\"></span>g (zuletzt ge\u00e4ndert mit Beschluss vom 17. Mai 2022) b<span class=\"_ _0\"></span>is auf<span class=\"_ _128\"> </span>weiteres folgenderma\u00dfen festgelegt: f\u00fc<span class=\"_ _0\"></span>r die Vorsitzend<span class=\"_ _0\"></span>e bzw. den Vorsitzenden 28.000 Eu<span class=\"_ _0\"></span>ro, seine/n StellvertreterIn 25.000<span class=\"_ _128\"> </span>Euro und die weiteren M<span class=\"_ _0\"></span>itglieder je 22.000 Euro. F\u00fcr T\u00e4tigkeiten im Pr\u00fcfun<span class=\"_ _0\"></span>gsausschuss wurden pro Mitglied und Jahr je<span class=\"_ _128\"> </span>6.000 Euro, f\u00fcr den Verg\u00fctun<span class=\"_ _0\"></span>gsausschuss pro Mitglied<span class=\"_ _0\"></span> und Jahr 3.000 Euro, f\u00fcr den<span class=\"_ _0\"></span> Arbeitsausschuss pro Mitglied und Jahr<span class=\"_ _128\"> </span>3.000 Euro, f\u00fcr den Nominieru<span class=\"_ _0\"></span>ngsausschuss pro Mitglied und<span class=\"_ _0\"></span> Jahr 4.000 Euro, f\u00fcr den Riskoausschuss p<span class=\"_ _0\"></span>ro Mitglied und Jahr<span class=\"_ _128\"> </span>3.000 Euro, f\u00fcr den Kredit<span class=\"_ _0\"></span>ausschuss pro Mitglied und Jahr 6.000 E<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>o und f\u00fcr den Rechtsausschuss pro M<span class=\"_ _0\"></span>itglied und Jahr<span class=\"_ _128\"> </span>6.000 Euro. Die Verg\u00fctun<span class=\"_ _0\"></span>g des Aufsichtsrats f\u00fcr das Gesch\u00e4ftsjahr<span class=\"_ _0\"></span> betrug 333,7 Tsd. Euro (Vorjahr 277,0 T<span class=\"_ _0\"></span>sd. Euro). <span class=\"_ _1\"></span> Gegen\u00fcber dem Aufsichtsr<span class=\"_ _0\"></span>at der Oberbank AG bestanden Kredite bzw. Haft<span class=\"_ _0\"></span>ungsverh\u00e4ltniss<span class=\"_ _0\"></span>e in H\u00f6he vo<span class=\"_ _0\"></span>n 197,4 Tsd. Euro<span class=\"_ _128\"> </span>(Vorjahr 475,9 Tsd<span class=\"_ _0\"></span>. Euro), gegen\u00fcber dem Vorstand der Oberbank AG <span class=\"_ _0\"></span>bestanden Kredite von 126,8 Tsd. Euro (Vorjahr 129,<span class=\"_ _0\"></span>0<span class=\"_ _128\"> </span>Tsd. Euro). Die Kond<span class=\"_ _0\"></span>itionen entsprechen jeweils den \u00fcblichen Bedingungen.<span class=\"_ _0\"></span> Rahmenbedingungen der Mitarbeite<span class=\"_ _0\"></span>raktion 2022<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Aktionszeitraum: 23.5.-13.6.20<span class=\"_ _0\"></span>22<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Aktienanzahl limitiert auf bis zu 70.000 St\u00fc<span class=\"_ _0\"></span>ck entgeltlich erwerbbare Stammakt<span class=\"_ _0\"></span>ien und bis zu 28.000 St\u00fcck unentgeltlich<span class=\"_ _128\"> </span></span></span>zugeteilte Stammaktien (\u201eBonusa<span class=\"_ _0\"></span>ktien\")<span class=\"ff4\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Bezugskurs: B\u00f6rsenkurs zum 14.6.202<span class=\"_ _0\"></span>2<span class=\"ls29\">; </span>maximale entgeltli<span class=\"_ _0\"></span>ch erwerbbare St\u00fc<span class=\"_ _0\"></span>ckanzahl: 70 St\u00fcck Aktien<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Bonusaktien: pro f\u00fcnf entgeltlich erw<span class=\"_ _0\"></span>orbene Stammaktien wurden zw<span class=\"_ _0\"></span>ei Stammaktien als Bonusaktien u<span class=\"_ _0\"></span>nentgeltlich zu-<span class=\"_ _128\"> </span></span></span>geteilt (Modell 5 + 2).<span class=\"_ _128\"> </span>Den MitarbeiterInnen <span class=\"_ _3d\"></span>w<span class=\"_ _0\"></span>urden <span class=\"_ _3d\"></span>Akt<span class=\"_ _0\"></span>ien der <span class=\"_ _3d\"></span>Oberbank AG <span class=\"_ _5\"></span>innerhalb vorgegebener <span class=\"_ _3d\"></span>Frist<span class=\"_ _0\"></span> zu<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>verg\u00fcnstigten K<span class=\"_ _5\"></span>onditionen angeboten<span class=\"_ _128\"> </span>(Bonusaktien).  Der <span class=\"_ _40\"> </span>Kauf <span class=\"_ _40\"> </span>unterliegt  Einschr\u00e4nkungen  bez\u00fcglic<span class=\"_ _5\"></span>h  des <span class=\"_ _40\"> </span>Betrags, <span class=\"_ _40\"> </span>den <span class=\"_ _40\"> </span>die  Mitar<span class=\"_ _5\"></span>beiterInnen  in <span class=\"_ _40\"> </span>den <span class=\"_ _40\"> </span>Aktienkauf <span class=\"_ _0\"></span> investieren k\u00f6nnen. <span class=\"_ _5\"></span>Die <span class=\"_ _5\"></span>Anzahl <span class=\"_ _5\"></span>der durch <span class=\"_ _5\"></span>dieses <span class=\"_ _5\"></span>Angebot an <span class=\"_ _3d\"></span>d<span class=\"_ _0\"></span>ie <span class=\"_ _3d\"></span>M<span class=\"_ _0\"></span>itarbeiterInne<span class=\"_ _0\"></span>n abgegebenen Aktien <span class=\"_ _5\"></span>belief <span class=\"_ _3d\"></span>sich im Be<span class=\"_ _5\"></span>richts-<span class=\"_ _128\"> </span>jahr <span class=\"_ _0\"></span>auf <span class=\"_ _0\"></span>58.165 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>geltlich erw<span class=\"_ _0\"></span>orbene <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>und <span class=\"_ _0\"></span>23.266 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>unent<span class=\"_ _0\"></span>geltlich zug<span class=\"_ _0\"></span>eteilte <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>(Bonu<span class=\"_ _0\"></span>sak-<span class=\"_ _128\"> </span>tien). <span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>ie <span class=\"_ _0\"></span>\u00fcber <span class=\"_ _1\"></span>das <span class=\"_ _0\"></span>R\u00fcckkaufprogramm <span class=\"_ _1\"></span>2022 <span class=\"_ _0\"></span>zum <span class=\"_ _0\"></span>Zw<span class=\"_ _0\"></span>ecke <span class=\"_ _0\"></span>der <span class=\"_ _1\"></span>kostenlosen <span class=\"_ _1\"></span>Begebung <span class=\"_ _0\"></span>an <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>berechtig<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>Perso<span class=\"_ _0\"></span>nenkreis <span class=\"_ _0\"></span>an-<span class=\"_ _128\"> </span>gekauften 23.266 St\u00fcck Stammaktien v<span class=\"_ _0\"></span>erursachten einen Aufwand in H\u00f6he von 2.308 T<span class=\"_ _0\"></span>sd. Euro.<span class=\"_ _0\"></span> R\u00fcckkaufprogramm 2022<span class=\"_ _128\"> </span>Das Aktien-R\u00fc<span class=\"_ _0\"></span>ckkaufprogramm in Stammaktien wurde am 15.6.2022 ab<span class=\"_ _0\"></span>geschlossen.<span class=\"_ _128\"> </span>Im Zu<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>es <span class=\"_ _0\"></span>R\u00fcckkaufprogramms <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>wurden <span class=\"_ _0\"></span>zwischen <span class=\"_ _0\"></span>dem <span class=\"_ _0\"></span>7.6.2022 <span class=\"_ _0\"></span>und <span class=\"_ _0\"></span>dem <span class=\"_ _0\"></span>15.6.2022 <span class=\"_ _0\"></span>gesamt 83.225 <span class=\"_ _0\"></span>St<span class=\"_ _0\"></span>\u00fcck<span class=\"_ _128\"> </span>Stammaktien, die <span class=\"_ _5\"></span>ca. <span class=\"_ _5\"></span>0,24 % <span class=\"_ _5\"></span>bzw. EUR 249.675 <span class=\"_ _3d\"></span>des Grundkap<span class=\"_ _0\"></span>itals <span class=\"_ _5\"></span>entsprechen, b\u00f6rslich und <span class=\"_ _5\"></span>au\u00dferb\u00f6rslich <span class=\"_ _5\"></span>zur\u00fcckgekauft. Der<span class=\"_ _128\"> </span>gewichtete <span class=\"_ _12\"></span>Durchschn<span class=\"_ _0\"></span>ittspreis <span class=\"_ _12\"></span>je <span class=\"_ _12\"></span>Stammaktie <span class=\"_ _12\"></span>b<span class=\"_ _0\"></span>etrug <span class=\"_ _12\"></span>99,20 <span class=\"_ _12\"></span>E<span class=\"_ _0\"></span>uro<span class=\"_ _0\"></span>; <span class=\"_ _12\"></span>der <span class=\"_ _12\"></span>h\u00f6<span class=\"_ _0\"></span>chste <span class=\"_ _12\"></span>geleistete <span class=\"_ _12\"></span>Gegenwert<span class=\"_ _0\"></span> <span class=\"_ _12\"></span>je <span class=\"_ _12\"></span>Stammaktie <span class=\"_ _12\"></span>b<span class=\"_ _0\"></span>etrug<span class=\"_ _128\"> </span>99,20 <span class=\"_ _3d\"></span>Eur<span class=\"_ _0\"></span>o; <span class=\"_ _3d\"></span>der <span class=\"_ _3d\"></span>niedrigst<span class=\"_ _0\"></span>e <span class=\"_ _3d\"></span>geleistete <span class=\"_ _3d\"></span>Gegenwert je <span class=\"_ _3d\"></span>Stammaktie <span class=\"_ _3d\"></span>betrug <span class=\"_ _3d\"></span>99,20 <span class=\"_ _3d\"></span>E<span class=\"_ _0\"></span>uro. <span class=\"_ _3d\"></span>Der <span class=\"_ _5\"></span>Wert <span class=\"_ _3d\"></span>der <span class=\"_ _3d\"></span>r\u00fcckerworbenen <span class=\"_ _5\"></span>Stammaktien<span class=\"_ _128\"> </span>betrug 8.255.920,00 Eu<span class=\"_ _0\"></span>ro. Der Vorstand <span class=\"_ _0\"></span>der Gesellschaft hat am 20.6.2022 beschlos<span class=\"_ _0\"></span>sen, s\u00e4mtliche im Zuge des Akt<span class=\"_ _0\"></span>ienr\u00fccker-<span class=\"_ _128\"> </span>werbsprogramms 2022 erworbenen 83.225 Stammaktien zu ver\u00e4u\u00dfern bzw. zu \u00fcbertragen; und zwar 81.431 St\u00fcck Oberbank<span class=\"_ _128\"> </span>Stammaktien <span class=\"_ _41\"> </span>an <span class=\"_ _41\"> </span>die  M<span class=\"_ _0\"></span>itarbeiterInnen <span class=\"_ _41\"> </span>(inklusive <span class=\"_ _41\"> </span>Vorstand) <span class=\"_ _41\"> </span>im  Z<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ge  d<span class=\"_ _0\"></span>er <span class=\"_ _41\"> </span>Mitarbeiteraktion <span class=\"_ _41\"> </span>2022, <span class=\"_ _41\"> </span>hiervon <span class=\"_ _41\"> </span>58.165 <span class=\"_ _41\"> </span>St\u00fcck<span class=\"_ _128\"> </span>Oberbank <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>von <span class=\"_ _0\"></span>den M<span class=\"_ _0\"></span>itarbeiterInnen ent<span class=\"_ _0\"></span>geltlich erworb<span class=\"_ _0\"></span>en und <span class=\"_ _0\"></span>23.266 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>Oberbank <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>als <span class=\"_ _0\"></span>unent-<span class=\"_ _128\"> </span>geltliche Bonusaktien (Mo<span class=\"_ _0\"></span>dell 5 + 2), und 1.794 St\u00fc<span class=\"_ _0\"></span>ck Oberbank Stammaktien an d<span class=\"_ _0\"></span>en Vorstan<span class=\"_ _0\"></span>d im Wege der Vorstan<span class=\"_ _0\"></span>dsverg\u00fc-<span class=\"_ _128\"> </span>tung <span class=\"_ _42\"> </span>in <span class=\"_ _42\"></span>Aktien <span class=\"_ _12\"></span>gem. <span class=\"_ _42\"> </span>\u00a7 <span class=\"_ _12\"></span>39b <span class=\"_ _42\"> </span>BWG <span class=\"_ _42\"> </span>gem\u00e4\u00df <span class=\"_ _42\"></span>der <span class=\"_ _12\"></span>Sitzu<span class=\"_ _0\"></span>ng <span class=\"_ _42\"></span>des <span class=\"_ _12\"></span>Verg\u00fc<span class=\"_ _0\"></span>tungsausschusses <span class=\"_ _42\"> </span>des <span class=\"_ _42\"> </span>Aufsichtsrats <span class=\"_ _42\"></span>der <span class=\"_ _12\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _42\"></span>AG <span class=\"_ _12\"></span>vo<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span>23.3.2022. <span class=\"_ _0\"></span>Dieser <span class=\"_ _0\"></span>Bes<span class=\"_ _0\"></span>chluss <span class=\"_ _1\"></span>sowie <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>Ver<span class=\"_ _0\"></span>\u00e4u\u00dferung <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>er <span class=\"_ _0\"></span>eigenen <span class=\"_ _0\"></span>Akt<span class=\"_ _0\"></span>ien <span class=\"_ _0\"></span>wurd<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>hiermit <span class=\"_ _0\"></span>gem\u00e4\u00df <span class=\"_ _1\"></span>\u00a7 <span class=\"_ _0\"></span>65 <span class=\"_ _0\"></span>Abs. <span class=\"_ _1\"></span>1a <span class=\"_ _0\"></span>Akt<span class=\"_ _0\"></span>G <span class=\"_ _0\"></span>iVm <span class=\"_ _1\"></span>\u00a7 <span class=\"_ _0\"></span>11<span class=\"_ _1\"></span><span class=\"ls2\">9<span class=\"_ _128\"> </span></span>Abs.7 und<span class=\"_ _0\"></span> 9 <span class=\"_ _0\"></span>B\u00f6rseG 2018 u<span class=\"_ _0\"></span>nd gem\u00e4\u00df <span class=\"_ _0\"></span>\u00a7\u00a72, 4 u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>5 der Ver\u00f6<span class=\"_ _0\"></span>ffentlichungsV <span class=\"_ _0\"></span>2018 ver\u00f6ffentlicht un<span class=\"_ _0\"></span>d sind a<span class=\"_ _0\"></span>uch auf <span class=\"_ _0\"></span>der Website<span class=\"_ _128\"> </span>der Oberbank entsprechend zu<span class=\"_ _0\"></span> ersehen: <span class=\"fc5\">ht<span class=\"_ _0\"></span>tps://www.oberbank.at/aktien<span class=\"_ _0\"></span>-<span class=\"ls15\">ru</span>ckkaufprogramme<span class=\"fc3\"> </span></span>Von Vorstand und MitarbeiterInnen gehaltene Aktienanteile:<span class=\"_ _1\"></span> Zum 31.12.2022 wurd<span class=\"_ _0\"></span>en von MitarbeiterInnen (in<span class=\"_ _0\"></span>klusive PensionistInnen) und<span class=\"_ _0\"></span> Vorstand folgende Aktienbest\u00e4nde gehalten<span class=\"_ _0\"></span>: <span class=\"_ _43\"> </span> <span class=\"_ _2e\"> </span>Stammaktien <span class=\"_ _44\"> </span>MitarbeiterInn<span class=\"_ _0\"></span>en (direkt und \u00fcber Stiftung) <span class=\"_ _45\"> </span>1.629.176         <span class=\"ls0\"> <span class=\"_ _46\"> </span></span>  <span class=\"ls0\">hievon Vorstand <span class=\"_ _47\"> </span>32.224 <span class=\"_ _e\"> </span> <span class=\"_ _7\"> </span> </span>92<span class=\"ls0\"> </span>                 <span class=\"ls0\"> <span class=\"_ _48\"> </span>Gasselsberger <span class=\"_ _47\"> </span>16.008 <span class=\"_ _e\"> </span> </span>                 <span class=\"ls0\"> <span class=\"_ _49\"> </span>Wei\u00dfl <span class=\"_ _34\"> </span>9.744 <span class=\"_ _e\"> </span> </span>                 <span class=\"ls0\"> <span class=\"_ _4a\"> </span>Hagenauer <span class=\"_ _34\"> </span>4.671</span> <span class=\"_ _4b\"> </span>Seiter <span class=\"_ _34\"> </span>1.801 <span class=\"_ _e\"> </span> Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ft<span class=\"_ _0\"></span>st\u00e4tigkeit werden Gesch\u00e4fte mit n<span class=\"_ _0\"></span>ahe stehenden Unternehmen und Personen zu<span class=\"_ _0\"></span> markt\u00fcblichen Bedingungen und Kon<span class=\"_ _0\"></span>ditionen abgeschlossen. Gesch\u00e4ftsvor<span class=\"_ _0\"></span>f\u00e4lle zwischen nahe stehenden Untern<span class=\"_ _0\"></span>ehmen im<span class=\"_ _128\"> </span>Konsolidierungskreis wu<span class=\"_ _0\"></span>rden im Zuge der Konsolidierung eliminiert und w<span class=\"_ _0\"></span>erden in dieser Anhangangabe nicht erl\u00e4ut<span class=\"_ _0\"></span>ert.<span class=\"_ _128\"> </span>Die Gesch\u00e4ftsbeziehungen zu nahestehenden Unternehmen und Personen stellen sic<span class=\"_ _0\"></span>h per 31.12.2022 wie folgt dar:<span class=\"_ _1\"></span> in Tsd. \u20ac<span class=\"ff5\"> </span>Assoziierte<span class=\"_ _128\"> </span>Unterneh-<span class=\"_ _128\"> </span>men<span class=\"_ _128\"> </span>Tochterun-<span class=\"_ _128\"> </span>ternehmen<span class=\"_ _128\"> </span>Unternehmen, die<span class=\"_ _128\"> </span>die M\u00f6glichkeit ha-<span class=\"_ _128\"> </span>ben einen ma\u00dfgebli-<span class=\"_ _128\"> </span>chen Einfluss au<span class=\"_ _0\"></span>f das<span class=\"_ _128\"> </span>Unternehmen auszu-<span class=\"_ _128\"> </span>\u00fcben<span class=\"_ _128\"> </span>Sonst. nahestehend<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>Unternehmen u. Per-<span class=\"_ _128\"> </span>sonen<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>Gesch\u00e4ftsvorf\u00e4lle<span class=\"_ _128\"> </span>Finanzierungen<span class=\"_ _128\"> </span>278<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>23.599<span class=\"_ _128\"> </span>B\u00fcrgschaften/Sicherheiten<span class=\"_ _128\"> </span>174<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>9.616<span class=\"_ _128\"> </span>Ausstehende Salden<span class=\"_ _128\"> </span>Forderungen<span class=\"_ _128\"> </span>256.191<span class=\"_ _128\"> </span>29.122<span class=\"_ _128\"> </span>26.826<span class=\"_ _128\"> </span>138.977<span class=\"_ _128\"> </span>Forderungen Vorjahr<span class=\"_ _128\"> </span>218.181<span class=\"_ _128\"> </span>29.455<span class=\"_ _128\"> </span>25.457<span class=\"_ _128\"> </span>48.200<span class=\"_ _128\"> </span>Wertpapiere<span class=\"_ _128\"> </span>7<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Wertpapiere Vorjahr<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Verbindlichkeiten<span class=\"_ _128\"> </span>12.131<span class=\"_ _128\"> </span>41.913<span class=\"_ _128\"> </span>99<span class=\"ls0\"> </span>141.280<span class=\"_ _128\"> </span>Verbindlichkeiten Vorjahr<span class=\"_ _0\"></span> 14.859<span class=\"_ _128\"> </span>40.818<span class=\"_ _128\"> </span>2.697<span class=\"_ _128\"> </span>90.054<span class=\"_ _128\"> </span>B\u00fcrgschaften/Garantien<span class=\"_ _128\"> </span>185.929<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>62.820<span class=\"_ _128\"> </span>B\u00fcrgschaften/Garantien Vo<span class=\"_ _0\"></span>rjahr<span class=\"_ _128\"> </span>177.510<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>29.791<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr zw<span class=\"_ _0\"></span>eifelhafte Forde-<span class=\"_ _128\"> </span>rungen<span class=\"_ _128\"> </span>11<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr zw<span class=\"_ _0\"></span>eifelhafte Forde-<span class=\"_ _128\"> </span>rungen Vorjahr<span class=\"_ _128\"> </span>90<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Ertragsposten<span class=\"_ _128\"> </span>Zinsen 2.774<span class=\"_ _128\"> </span>100<span class=\"ls0\"> </span>66<span class=\"ls0\"> </span>1.718<span class=\"_ _128\"> </span>Provisionen<span class=\"_ _128\"> </span>267<span class=\"ls0\"> </span>1<span class=\"_ _128\"> </span>3<span class=\"_ _128\"> </span>1.262<span class=\"_ _128\"> </span>Aufwendungen<span class=\"_ _128\"> </span>Zinsen 10<span class=\"ls0\"> </span>-<span class=\"ls2\">204</span> 4<span class=\"_ _128\"> </span>-<span class=\"ls2\">71</span> Provisionen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Wertberichtigungen au<span class=\"_ _0\"></span>f Forderungen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"ls2\">28</span> Verwaltungsaufwendu<span class=\"_ _0\"></span>ngen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>1) Sonstige nah<span class=\"_ _5\"></span>estehend<span class=\"_ _5\"></span>e Unternehmen un<span class=\"_ _5\"></span>d Persone<span class=\"_ _5\"></span>n umfassen di<span class=\"_ _5\"></span>e Mitglieder de<span class=\"_ _5\"></span>s Managements i<span class=\"_ _5\"></span>n Schl\u00fcsselposit<span class=\"_ _5\"></span>ionen der O<span class=\"_ _5\"></span>berbank AG samt<span class=\"_ _128\"> </span>deren nahe<span class=\"_ _5\"></span>stehender Famil<span class=\"_ _5\"></span>ienangeh\u00f6riger<span class=\"_ _5\"></span> sowie Unt<span class=\"_ _5\"></span>ernehmen, die vo<span class=\"_ _5\"></span>n diesen Perso<span class=\"_ _5\"></span>nen beherr<span class=\"_ _5\"></span>scht oder gemei<span class=\"_ _5\"></span>nschaftlic<span class=\"_ _5\"></span>h gef\u00fchrt werden.<span class=\"_ _128\"> </span>Als <span class=\"_ _0\"></span>Mitglieder <span class=\"_ _0\"></span>des <span class=\"_ _0\"></span>Managements <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>Schl\u00fcsselpo<span class=\"_ _5\"></span>sitionen <span class=\"_ _0\"></span>gem\u00e4\u00df <span class=\"_ _1\"></span>IAS <span class=\"_ _0\"></span>24 <span class=\"_ _1\"></span>wurde <span class=\"_ _0\"></span>in <span class=\"_ _0\"></span>Bezug <span class=\"_ _1\"></span>auf <span class=\"_ _0\"></span>die <span class=\"_ _1\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _0\"></span>AG <span class=\"_ _1\"></span>folgender <span class=\"_ _0\"></span>Personenkreis<span class=\"_ _128\"> </span>festgelegt<span class=\"_ _5\"></span>: \u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Vorstand </span></span>\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Aufsichtsr\u00e4te (<span class=\"_ _5\"></span>inkl. Arbeitnehmerve<span class=\"_ _5\"></span>rtret<span class=\"_ _5\"></span>er) </span></span>\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Abteilungslei<span class=\"_ _5\"></span>ter </span></span>\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Hauptverantwor<span class=\"_ _5\"></span>tliche inter<span class=\"_ _5\"></span>ner Kontrollf<span class=\"_ _5\"></span>unktionen, sofe<span class=\"_ _5\"></span>rn diese keine<span class=\"_ _5\"></span> eigene Abte<span class=\"_ _5\"></span>ilung leiten </span></span>-<span class=\"ls2a\">              </span>(Regulatory) Compli<span class=\"_ _5\"></span>ance-Funktio<span class=\"_ _5\"></span>n gem. \u00a7 39 Abs 6 BWG <span class=\"_ _5\"></span> -<span class=\"ls2a\">             </span> Risikomanagement ge<span class=\"_ _5\"></span>m. \u00a7 39 Abs 5 B<span class=\"_ _5\"></span>WG<span class=\"_ _128\"> </span>-<span class=\"ls2a\">             </span> Interne Revision <span class=\"_ _5\"></span>gem. \u00a7 42 BWG<span class=\"_ _128\"> </span>-<span class=\"ls2a\">             </span> Geldw\u00e4sche gem. \u00a7 23 Abs<span class=\"_ _5\"></span> 3 FM-GwG<span class=\"_ _128\"> </span>-<span class=\"ls2a\">             </span> Compliance-Funktio<span class=\"_ _5\"></span>n nach DelVO (<span class=\"_ _5\"></span>EU) 2017/565 und WAG 2<span class=\"_ _5\"></span>018<span class=\"_ _128\"> </span>-<span class=\"ls2a\">               </span>lokale Funktionst<span class=\"_ _5\"></span>r\u00e4ger in den Auslands<span class=\"_ _5\"></span>m\u00e4rkten<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Die Vorjahr<span class=\"_ _5\"></span>eswerte<span class=\"_ _5\"></span> f\u00fcr das Jahr<span class=\"_ _5\"></span> 2021 wurden angepasst.<span class=\"fs2\"> <span class=\"_ _7\"> </span><span class=\"ff5\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-439": {
   "value": "32) Angaben zu nahestehenden Personen und Unternehmen<span class=\"_ _0\"></span> Die Gesamtbez\u00fcge des Vorstands <span class=\"_ _0\"></span>betrugen im Konzern 3.124,2 Tsd. Eur<span class=\"_ _0\"></span>o (Vorjahr 2.667,5 Tsd. Euro). D<span class=\"_ _0\"></span>er darin enthaltene<span class=\"_ _128\"> </span>variable Anteil betrug 741,2 T<span class=\"_ _0\"></span>sd. Euro (Vorjahr 453,7 Tsd. Euro).<span class=\"_ _0\"></span> An fr\u00fchere Mitglieder des Vor<span class=\"_ _0\"></span>stands und deren Hint<span class=\"_ _0\"></span>erbliebene wurden 1.219,7 Tsd. Euro (Vorjahr 1.260,1 T<span class=\"_ _0\"></span>sd. Euro) gezahlt.<span class=\"_ _128\"> </span>Zus\u00e4tzliche Pensionsabfindu<span class=\"_ _0\"></span>ngen an ehemalige Vorstandsmit<span class=\"_ _0\"></span>glieder (einschlie\u00dflich ihrer Hinterbliebenen) gab es im <span class=\"_ _1\"></span> Gesch\u00e4ftsjahr keine. Die Au<span class=\"_ _0\"></span>fwendungen (+)/Ertr\u00e4g<span class=\"_ _0\"></span>e (-) f\u00fcr Abfertigungen und Pensionen d<span class=\"_ _0\"></span>er Vorstandsmitglieder (einschlie\u00dflich ehemaliger Vorstand<span class=\"_ _0\"></span>smitglieder und ihrer Hinterbliebenen) betrugen im Gesch\u00e4ftsja<span class=\"_ _0\"></span>hr <span class=\"_ _0\"></span>-5.898,3 T<span class=\"_ _0\"></span>sd. Euro<span class=\"_ _128\"> </span>(Vorjahr -1.382,2 T<span class=\"_ _0\"></span>sd. Euro). Darin sind erfolgsneutrale Ver\u00e4nderun<span class=\"_ _0\"></span>gen (ve<span class=\"_ _0\"></span>rsicherungsmathematische Gewinne oder V<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span>luste aus der \u00c4nderun<span class=\"_ _0\"></span>g der Parameter f\u00fcr die versicherungsmathematische Berechnu<span class=\"_ _0\"></span>ng der Abfertigungs<span class=\"_ _1\"></span>- und Pensions-<span class=\"_ _128\"> </span>r\u00fcckstellung) enthalten<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Die von der ordentlichen Hauptversammlung 2021 mit en<span class=\"_ _0\"></span>tsprechender Mehrheit verab<span class=\"_ _0\"></span>schiedete Verg\u00fctungsrichtlinie der<span class=\"_ _128\"> </span>Oberbank AG sieht ein au<span class=\"_ _0\"></span>sgewogenes Verh\u00e4ltnis von fixen und var<span class=\"_ _0\"></span>iablen Bez\u00fcgen vor, wobei die variablen Bez\u00fcge maximal<span class=\"_ _128\"> </span>40 % des fixen Bezugs betr<span class=\"_ _0\"></span>agen d\u00fcrfen. Das fixe Basisgehalt orient<span class=\"_ _0\"></span>iert sich an den jeweiligen Aufgabengebieten. <span class=\"_ _0\"></span>Die variable <span class=\"_ _0\"></span> Gehaltskomponente b<span class=\"_ _0\"></span>er\u00fccksichtigt gemeinsame und pers\u00f6nliche Leistungen der V<span class=\"_ _0\"></span>orstandsmitglieder ebenso wie die gene-<span class=\"_ _128\"> </span>relle Unternehmensentwicklung.<span class=\"_ _128\"> </span>Die wesentlichen finanziellen un<span class=\"_ _0\"></span>d nichtfinanziellen Leistungskriterien, die der V<span class=\"_ _0\"></span>erg\u00fctungsausschuss f\u00fcr die Bemessung der<span class=\"_ _128\"> </span>variablen Bez\u00fcge der Vor<span class=\"_ _0\"></span>st\u00e4nde heranzuziehen hat, sind: <span class=\"_ _0\"></span> 1<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Erreichen der strat<span class=\"_ _0\"></span>egischen Finanzziele auf Basis der definierten<span class=\"_ _0\"></span> Str<span class=\"_ _0\"></span>ategie und der Mehrjahresp<span class=\"_ _0\"></span>la-<span class=\"_ _128\"> </span>nung der flie\u00dft zu 35 %<span class=\"_ _0\"></span> in die Entscheidung ein.<span class=\"_ _128\"> </span>2<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Einhalt<span class=\"_ _0\"></span>en der strategischen Risikoausnutzung gem\u00e4\u00df Gesamtbankrisikos<span class=\"_ _0\"></span>teuerung flie\u00dft ebenfalls<span class=\"_ _128\"> </span>zu 35 % in die Entscheidung ein.<span class=\"_ _0\"></span> 3<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Das nachhaltige Erreichen der strat<span class=\"_ _0\"></span>egischen (au<span class=\"_ _0\"></span>ch nichtfinanziellen) Ziele kann das Ergebnis aus d<span class=\"_ _0\"></span>er Berechnung<span class=\"_ _128\"> </span>von 1 und 2 um maximal 20 Prozent<span class=\"_ _0\"></span>punkte erh\u00f6hen.<span class=\"_ _128\"> </span>4<span class=\"ff7\"> <span class=\"_ _3f\"> </span></span>Komplettiert wird das Ergebnis f\u00fcr jedes Vor<span class=\"_ _0\"></span>standsmitglied getrennt aufgrund der Entw<span class=\"_ _0\"></span>icklung der von ihm speziell<span class=\"_ _128\"> </span>zu verantwortend<span class=\"_ _0\"></span>en Aufgabenbereiche laut Ressortsv<span class=\"_ _0\"></span>erteilung, wobei das Ergebnis aus 1<span class=\"_ _0\"></span>-3 hier noch um maximal<span class=\"_ _128\"> </span>10 Prozentpunkte erh\u00f6ht w<span class=\"_ _0\"></span>erden kann.<span class=\"_ _128\"> </span>Bei einer dergestalt ermittelten Gesamtzielerreichung vo<span class=\"_ _0\"></span>n 100 % w\u00fcrde dem jeweiligen Vorst<span class=\"_ _0\"></span>andsmitglied eine variable Ver-<span class=\"_ _128\"> </span>g\u00fctung von<span class=\"_ _0\"></span> 30 % des Fixgehaltes zustehen, die bei \u00dcbererreichung d<span class=\"_ _0\"></span>er Ziele aber mit 40 % gedeckelt ist. Pro Prozent Zielun-<span class=\"_ _128\"> </span>terschreitung unter die 100 % wird<span class=\"_ _0\"></span> ein Prozentpunkt weniger variable Verg\u00fctung zugespr<span class=\"_ _0\"></span>ochen, sodass bei einer Zielerrei-<span class=\"_ _128\"> </span>chung von 70 % oder w<span class=\"_ _0\"></span>eniger kein variabler Bezug zusteht.<span class=\"_ _128\"> </span>In Entsprechung d<span class=\"_ _0\"></span>er gesetzlichen Vorgaben wird die variable Verg\u00fctun<span class=\"_ _0\"></span>g des Vorstandes, deren H\u00f6he anhand der \u201eParameter<span class=\"_ _128\"> </span>f\u00fcr die Beurteilung der variablen V<span class=\"_ _0\"></span>erg\u00fctungen f\u00fcr den Vorstand\u201c vom Verg\u00fctun<span class=\"_ _0\"></span>gsausschuss j\u00e4hrlich in s<span class=\"_ _1\"></span><span class=\"ff4\">einer M\u00e4rzsitzung<span class=\"_ _128\"> </span></span>festgelegt wird, zu 50 % in Aktien und<span class=\"_ _0\"></span> 50 % in Cash ausgezahlt werden, wobei die Akt<span class=\"_ _0\"></span>ien einer Haltefrist von drei Jahren un-<span class=\"_ _128\"> </span>terliegen und der auf f\u00fcn<span class=\"_ _0\"></span>f Jahre r\u00fcckzustellende Anteil zu gleichen Teilen aus Aktien und Cash<span class=\"_ _0\"></span> besteht.<span class=\"_ _0\"></span> Da Bemessung un<span class=\"_ _0\"></span>d Zuerkennung der variablen Verg\u00fctungen immer erst<span class=\"_ _0\"></span> im Nachhinein erfolgen, sind bilanziell entsp<span class=\"_ _0\"></span>re-<span class=\"_ _128\"> </span>chende R\u00fcckstellungen zu b<span class=\"_ _0\"></span>ilden, was aber im Wissen um die sehr mod<span class=\"_ _0\"></span>erate Politik des Verg\u00fctungsausschusses au<span class=\"_ _0\"></span>ch gut<span class=\"_ _128\"> </span>planbar ist. Diese betrugen 2020 f\u00fc<span class=\"_ _0\"></span>r d<span class=\"_ _0\"></span>ie 2021 ausgezahlten Verg\u00fctungen 240 T<span class=\"_ _0\"></span>sd. Euro und 2021 f\u00fcr die 2022 ausgezahlten<span class=\"_ _128\"> </span>Verg\u00fctungen 467,5 Tsd<span class=\"_ _0\"></span>. Euro. In der Bilanz zum 31.12.2022 sind f\u00fc<span class=\"_ _0\"></span>r die in 2023 f\u00fcr 2022 zur Auszahlun<span class=\"_ _0\"></span>g gelangenden Verg\u00fc-<span class=\"_ _128\"> </span>tungen 741,2 Tsd. Euro<span class=\"_ _0\"></span> eingestellt. Die Auszahlung er<span class=\"_ _0\"></span>folgt wie bei den MitarbeiterInnen mit d<span class=\"_ _0\"></span>er Mai-Gehaltsabrechnun<span class=\"_ _0\"></span>g, wobei der Betrag f\u00fcr den Aktienanteil<span class=\"_ _128\"> </span>auf ein gesperrtes Depotverr<span class=\"_ _0\"></span>echnungskonto des Vorstandsmitglieds gebucht wird<span class=\"_ _0\"></span> und f\u00fcr die Bezahlung der zu erwerben-<span class=\"_ _128\"> </span>den Aktienanteile verwendet<span class=\"_ _0\"></span> wird, die dann einer dreij\u00e4hrigen Verkaufssp<span class=\"_ _0\"></span>erre unterliegen.<span class=\"_ _128\"> </span>F\u00fcr die jedes Jahr au<span class=\"_ _0\"></span>fgrund gesetzlicher Verpflichtung nicht zur Au<span class=\"_ _0\"></span>szahlung gelangenden Anteile (je 50 % Cash un<span class=\"_ _0\"></span>d 50 % Ak-<span class=\"_ _128\"> </span>tien) bleiben die R\u00fcckstellun<span class=\"_ _0\"></span>gsteile entsprechend bestehen. Sie betr<span class=\"_ _0\"></span>ugen <span class=\"_ _0\"></span>2021 180 Tsd. Euro und<span class=\"_ _0\"></span> 2022 368 Tsd. Euro.<span class=\"_ _0\"></span> Diese<span class=\"_ _128\"> </span>Betr\u00e4ge werden aufgeteilt au<span class=\"_ _0\"></span>f die f\u00fcnf Folgejahre nach Freigabe durch d<span class=\"_ _0\"></span>en Verg\u00fctungsausschuss jeweils erst ausbezahlt.<span class=\"_ _1\"></span> Die f\u00fcr die variablen Vorstandsverg\u00fctungen zu b<span class=\"_ _0\"></span>ildenden R\u00fcckstellungen stellen bilanziell einen <span class=\"_ _0\"></span>Perso<span class=\"_ _0\"></span>nalmehraufwand dar. <span class=\"_ _7\"> </span>Die Mitglieder des Aufsichtsr<span class=\"_ _0\"></span>ats erhalten eine j\u00e4hrliche Verg\u00fctung und den Ersat<span class=\"_ _0\"></span>z der durch ihre Funktion entstandenen Bar-<span class=\"_ _128\"> </span>auslagen, aber keine Sitzun<span class=\"_ _0\"></span>gsgelder. Die H\u00f6he der Verg\u00fctung der Aufsicht<span class=\"_ _0\"></span>sratsmitglieder wurde von der Hauptv<span class=\"_ _1\"></span>ersammlung<span class=\"_ _128\"> </span>(zuletzt ge\u00e4ndert mit Beschlu<span class=\"_ _0\"></span>ss vom 17. Mai 2022) bis auf w<span class=\"_ _0\"></span>eiteres folgenderma\u00dfen festgelegt:<span class=\"_ _0\"></span> Die H\u00f6he dieser Verg\u00fctun<span class=\"_ _0\"></span>g wurde von der Hauptversammlun<span class=\"_ _0\"></span>g (zuletzt ge\u00e4ndert mit Beschluss vom 17. Mai 2022) b<span class=\"_ _0\"></span>is auf<span class=\"_ _128\"> </span>weiteres folgenderma\u00dfen festgelegt: f\u00fc<span class=\"_ _0\"></span>r die Vorsitzend<span class=\"_ _0\"></span>e bzw. den Vorsitzenden 28.000 Eu<span class=\"_ _0\"></span>ro, seine/n StellvertreterIn 25.000<span class=\"_ _128\"> </span>Euro und die weiteren M<span class=\"_ _0\"></span>itglieder je 22.000 Euro. F\u00fcr T\u00e4tigkeiten im Pr\u00fcfun<span class=\"_ _0\"></span>gsausschuss wurden pro Mitglied und Jahr je<span class=\"_ _128\"> </span>6.000 Euro, f\u00fcr den Verg\u00fctun<span class=\"_ _0\"></span>gsausschuss pro Mitglied<span class=\"_ _0\"></span> und Jahr 3.000 Euro, f\u00fcr den<span class=\"_ _0\"></span> Arbeitsausschuss pro Mitglied und Jahr<span class=\"_ _128\"> </span>3.000 Euro, f\u00fcr den Nominieru<span class=\"_ _0\"></span>ngsausschuss pro Mitglied und<span class=\"_ _0\"></span> Jahr 4.000 Euro, f\u00fcr den Riskoausschuss p<span class=\"_ _0\"></span>ro Mitglied und Jahr<span class=\"_ _128\"> </span>3.000 Euro, f\u00fcr den Kredit<span class=\"_ _0\"></span>ausschuss pro Mitglied und Jahr 6.000 E<span class=\"_ _0\"></span>ur<span class=\"_ _0\"></span>o und f\u00fcr den Rechtsausschuss pro M<span class=\"_ _0\"></span>itglied und Jahr<span class=\"_ _128\"> </span>6.000 Euro. Die Verg\u00fctun<span class=\"_ _0\"></span>g des Aufsichtsrats f\u00fcr das Gesch\u00e4ftsjahr<span class=\"_ _0\"></span> betrug 333,7 Tsd. Euro (Vorjahr 277,0 T<span class=\"_ _0\"></span>sd. Euro). <span class=\"_ _1\"></span> Gegen\u00fcber dem Aufsichtsr<span class=\"_ _0\"></span>at der Oberbank AG bestanden Kredite bzw. Haft<span class=\"_ _0\"></span>ungsverh\u00e4ltniss<span class=\"_ _0\"></span>e in H\u00f6he vo<span class=\"_ _0\"></span>n 197,4 Tsd. Euro<span class=\"_ _128\"> </span>(Vorjahr 475,9 Tsd<span class=\"_ _0\"></span>. Euro), gegen\u00fcber dem Vorstand der Oberbank AG <span class=\"_ _0\"></span>bestanden Kredite von 126,8 Tsd. Euro (Vorjahr 129,<span class=\"_ _0\"></span>0<span class=\"_ _128\"> </span>Tsd. Euro). Die Kond<span class=\"_ _0\"></span>itionen entsprechen jeweils den \u00fcblichen Bedingungen.<span class=\"_ _0\"></span> Rahmenbedingungen der Mitarbeite<span class=\"_ _0\"></span>raktion 2022<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Aktionszeitraum: 23.5.-13.6.20<span class=\"_ _0\"></span>22<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Aktienanzahl limitiert auf bis zu 70.000 St\u00fc<span class=\"_ _0\"></span>ck entgeltlich erwerbbare Stammakt<span class=\"_ _0\"></span>ien und bis zu 28.000 St\u00fcck unentgeltlich<span class=\"_ _128\"> </span></span></span>zugeteilte Stammaktien (\u201eBonusa<span class=\"_ _0\"></span>ktien\")<span class=\"ff4\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Bezugskurs: B\u00f6rsenkurs zum 14.6.202<span class=\"_ _0\"></span>2<span class=\"ls29\">; </span>maximale entgeltli<span class=\"_ _0\"></span>ch erwerbbare St\u00fc<span class=\"_ _0\"></span>ckanzahl: 70 St\u00fcck Aktien<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Bonusaktien: pro f\u00fcnf entgeltlich erw<span class=\"_ _0\"></span>orbene Stammaktien wurden zw<span class=\"_ _0\"></span>ei Stammaktien als Bonusaktien u<span class=\"_ _0\"></span>nentgeltlich zu-<span class=\"_ _128\"> </span></span></span>geteilt (Modell 5 + 2).<span class=\"_ _128\"> </span>Den MitarbeiterInnen <span class=\"_ _3d\"></span>w<span class=\"_ _0\"></span>urden <span class=\"_ _3d\"></span>Akt<span class=\"_ _0\"></span>ien der <span class=\"_ _3d\"></span>Oberbank AG <span class=\"_ _5\"></span>innerhalb vorgegebener <span class=\"_ _3d\"></span>Frist<span class=\"_ _0\"></span> zu<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>verg\u00fcnstigten K<span class=\"_ _5\"></span>onditionen angeboten<span class=\"_ _128\"> </span>(Bonusaktien).  Der <span class=\"_ _40\"> </span>Kauf <span class=\"_ _40\"> </span>unterliegt  Einschr\u00e4nkungen  bez\u00fcglic<span class=\"_ _5\"></span>h  des <span class=\"_ _40\"> </span>Betrags, <span class=\"_ _40\"> </span>den <span class=\"_ _40\"> </span>die  Mitar<span class=\"_ _5\"></span>beiterInnen  in <span class=\"_ _40\"> </span>den <span class=\"_ _40\"> </span>Aktienkauf <span class=\"_ _0\"></span> investieren k\u00f6nnen. <span class=\"_ _5\"></span>Die <span class=\"_ _5\"></span>Anzahl <span class=\"_ _5\"></span>der durch <span class=\"_ _5\"></span>dieses <span class=\"_ _5\"></span>Angebot an <span class=\"_ _3d\"></span>d<span class=\"_ _0\"></span>ie <span class=\"_ _3d\"></span>M<span class=\"_ _0\"></span>itarbeiterInne<span class=\"_ _0\"></span>n abgegebenen Aktien <span class=\"_ _5\"></span>belief <span class=\"_ _3d\"></span>sich im Be<span class=\"_ _5\"></span>richts-<span class=\"_ _128\"> </span>jahr <span class=\"_ _0\"></span>auf <span class=\"_ _0\"></span>58.165 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>geltlich erw<span class=\"_ _0\"></span>orbene <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>und <span class=\"_ _0\"></span>23.266 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>unent<span class=\"_ _0\"></span>geltlich zug<span class=\"_ _0\"></span>eteilte <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>(Bonu<span class=\"_ _0\"></span>sak-<span class=\"_ _128\"> </span>tien). <span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>ie <span class=\"_ _0\"></span>\u00fcber <span class=\"_ _1\"></span>das <span class=\"_ _0\"></span>R\u00fcckkaufprogramm <span class=\"_ _1\"></span>2022 <span class=\"_ _0\"></span>zum <span class=\"_ _0\"></span>Zw<span class=\"_ _0\"></span>ecke <span class=\"_ _0\"></span>der <span class=\"_ _1\"></span>kostenlosen <span class=\"_ _1\"></span>Begebung <span class=\"_ _0\"></span>an <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>berechtig<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>Perso<span class=\"_ _0\"></span>nenkreis <span class=\"_ _0\"></span>an-<span class=\"_ _128\"> </span>gekauften 23.266 St\u00fcck Stammaktien v<span class=\"_ _0\"></span>erursachten einen Aufwand in H\u00f6he von 2.308 T<span class=\"_ _0\"></span>sd. Euro.<span class=\"_ _0\"></span> R\u00fcckkaufprogramm 2022<span class=\"_ _128\"> </span>Das Aktien-R\u00fc<span class=\"_ _0\"></span>ckkaufprogramm in Stammaktien wurde am 15.6.2022 ab<span class=\"_ _0\"></span>geschlossen.<span class=\"_ _128\"> </span>Im Zu<span class=\"_ _0\"></span>ge d<span class=\"_ _0\"></span>es <span class=\"_ _0\"></span>R\u00fcckkaufprogramms <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>wurden <span class=\"_ _0\"></span>zwischen <span class=\"_ _0\"></span>dem <span class=\"_ _0\"></span>7.6.2022 <span class=\"_ _0\"></span>und <span class=\"_ _0\"></span>dem <span class=\"_ _0\"></span>15.6.2022 <span class=\"_ _0\"></span>gesamt 83.225 <span class=\"_ _0\"></span>St<span class=\"_ _0\"></span>\u00fcck<span class=\"_ _128\"> </span>Stammaktien, die <span class=\"_ _5\"></span>ca. <span class=\"_ _5\"></span>0,24 % <span class=\"_ _5\"></span>bzw. EUR 249.675 <span class=\"_ _3d\"></span>des Grundkap<span class=\"_ _0\"></span>itals <span class=\"_ _5\"></span>entsprechen, b\u00f6rslich und <span class=\"_ _5\"></span>au\u00dferb\u00f6rslich <span class=\"_ _5\"></span>zur\u00fcckgekauft. Der<span class=\"_ _128\"> </span>gewichtete <span class=\"_ _12\"></span>Durchschn<span class=\"_ _0\"></span>ittspreis <span class=\"_ _12\"></span>je <span class=\"_ _12\"></span>Stammaktie <span class=\"_ _12\"></span>b<span class=\"_ _0\"></span>etrug <span class=\"_ _12\"></span>99,20 <span class=\"_ _12\"></span>E<span class=\"_ _0\"></span>uro<span class=\"_ _0\"></span>; <span class=\"_ _12\"></span>der <span class=\"_ _12\"></span>h\u00f6<span class=\"_ _0\"></span>chste <span class=\"_ _12\"></span>geleistete <span class=\"_ _12\"></span>Gegenwert<span class=\"_ _0\"></span> <span class=\"_ _12\"></span>je <span class=\"_ _12\"></span>Stammaktie <span class=\"_ _12\"></span>b<span class=\"_ _0\"></span>etrug<span class=\"_ _128\"> </span>99,20 <span class=\"_ _3d\"></span>Eur<span class=\"_ _0\"></span>o; <span class=\"_ _3d\"></span>der <span class=\"_ _3d\"></span>niedrigst<span class=\"_ _0\"></span>e <span class=\"_ _3d\"></span>geleistete <span class=\"_ _3d\"></span>Gegenwert je <span class=\"_ _3d\"></span>Stammaktie <span class=\"_ _3d\"></span>betrug <span class=\"_ _3d\"></span>99,20 <span class=\"_ _3d\"></span>E<span class=\"_ _0\"></span>uro. <span class=\"_ _3d\"></span>Der <span class=\"_ _5\"></span>Wert <span class=\"_ _3d\"></span>der <span class=\"_ _3d\"></span>r\u00fcckerworbenen <span class=\"_ _5\"></span>Stammaktien<span class=\"_ _128\"> </span>betrug 8.255.920,00 Eu<span class=\"_ _0\"></span>ro. Der Vorstand <span class=\"_ _0\"></span>der Gesellschaft hat am 20.6.2022 beschlos<span class=\"_ _0\"></span>sen, s\u00e4mtliche im Zuge des Akt<span class=\"_ _0\"></span>ienr\u00fccker-<span class=\"_ _128\"> </span>werbsprogramms 2022 erworbenen 83.225 Stammaktien zu ver\u00e4u\u00dfern bzw. zu \u00fcbertragen; und zwar 81.431 St\u00fcck Oberbank<span class=\"_ _128\"> </span>Stammaktien <span class=\"_ _41\"> </span>an <span class=\"_ _41\"> </span>die  M<span class=\"_ _0\"></span>itarbeiterInnen <span class=\"_ _41\"> </span>(inklusive <span class=\"_ _41\"> </span>Vorstand) <span class=\"_ _41\"> </span>im  Z<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ge  d<span class=\"_ _0\"></span>er <span class=\"_ _41\"> </span>Mitarbeiteraktion <span class=\"_ _41\"> </span>2022, <span class=\"_ _41\"> </span>hiervon <span class=\"_ _41\"> </span>58.165 <span class=\"_ _41\"> </span>St\u00fcck<span class=\"_ _128\"> </span>Oberbank <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>von <span class=\"_ _0\"></span>den M<span class=\"_ _0\"></span>itarbeiterInnen ent<span class=\"_ _0\"></span>geltlich erworb<span class=\"_ _0\"></span>en und <span class=\"_ _0\"></span>23.266 <span class=\"_ _0\"></span>St\u00fcck <span class=\"_ _0\"></span>Oberbank <span class=\"_ _0\"></span>Stammaktien <span class=\"_ _0\"></span>als <span class=\"_ _0\"></span>unent-<span class=\"_ _128\"> </span>geltliche Bonusaktien (Mo<span class=\"_ _0\"></span>dell 5 + 2), und 1.794 St\u00fc<span class=\"_ _0\"></span>ck Oberbank Stammaktien an d<span class=\"_ _0\"></span>en Vorstan<span class=\"_ _0\"></span>d im Wege der Vorstan<span class=\"_ _0\"></span>dsverg\u00fc-<span class=\"_ _128\"> </span>tung <span class=\"_ _42\"> </span>in <span class=\"_ _42\"></span>Aktien <span class=\"_ _12\"></span>gem. <span class=\"_ _42\"> </span>\u00a7 <span class=\"_ _12\"></span>39b <span class=\"_ _42\"> </span>BWG <span class=\"_ _42\"> </span>gem\u00e4\u00df <span class=\"_ _42\"></span>der <span class=\"_ _12\"></span>Sitzu<span class=\"_ _0\"></span>ng <span class=\"_ _42\"></span>des <span class=\"_ _12\"></span>Verg\u00fc<span class=\"_ _0\"></span>tungsausschusses <span class=\"_ _42\"> </span>des <span class=\"_ _42\"> </span>Aufsichtsrats <span class=\"_ _42\"></span>der <span class=\"_ _12\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _42\"></span>AG <span class=\"_ _12\"></span>vo<span class=\"_ _0\"></span>m<span class=\"_ _128\"> </span>23.3.2022. <span class=\"_ _0\"></span>Dieser <span class=\"_ _0\"></span>Bes<span class=\"_ _0\"></span>chluss <span class=\"_ _1\"></span>sowie <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>Ver<span class=\"_ _0\"></span>\u00e4u\u00dferung <span class=\"_ _0\"></span>d<span class=\"_ _0\"></span>er <span class=\"_ _0\"></span>eigenen <span class=\"_ _0\"></span>Akt<span class=\"_ _0\"></span>ien <span class=\"_ _0\"></span>wurd<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span>hiermit <span class=\"_ _0\"></span>gem\u00e4\u00df <span class=\"_ _1\"></span>\u00a7 <span class=\"_ _0\"></span>65 <span class=\"_ _0\"></span>Abs. <span class=\"_ _1\"></span>1a <span class=\"_ _0\"></span>Akt<span class=\"_ _0\"></span>G <span class=\"_ _0\"></span>iVm <span class=\"_ _1\"></span>\u00a7 <span class=\"_ _0\"></span>11<span class=\"_ _1\"></span><span class=\"ls2\">9<span class=\"_ _128\"> </span></span>Abs.7 und<span class=\"_ _0\"></span> 9 <span class=\"_ _0\"></span>B\u00f6rseG 2018 u<span class=\"_ _0\"></span>nd gem\u00e4\u00df <span class=\"_ _0\"></span>\u00a7\u00a72, 4 u<span class=\"_ _0\"></span>nd <span class=\"_ _0\"></span>5 der Ver\u00f6<span class=\"_ _0\"></span>ffentlichungsV <span class=\"_ _0\"></span>2018 ver\u00f6ffentlicht un<span class=\"_ _0\"></span>d sind a<span class=\"_ _0\"></span>uch auf <span class=\"_ _0\"></span>der Website<span class=\"_ _128\"> </span>der Oberbank entsprechend zu<span class=\"_ _0\"></span> ersehen: <span class=\"fc5\">ht<span class=\"_ _0\"></span>tps://www.oberbank.at/aktien<span class=\"_ _0\"></span>-<span class=\"ls15\">ru</span>ckkaufprogramme<span class=\"fc3\"> </span></span>Von Vorstand und MitarbeiterInnen gehaltene Aktienanteile:<span class=\"_ _1\"></span> Zum 31.12.2022 wurd<span class=\"_ _0\"></span>en von MitarbeiterInnen (in<span class=\"_ _0\"></span>klusive PensionistInnen) und<span class=\"_ _0\"></span> Vorstand folgende Aktienbest\u00e4nde gehalten<span class=\"_ _0\"></span>: <span class=\"_ _43\"> </span> <span class=\"_ _2e\"> </span>Stammaktien <span class=\"_ _44\"> </span>MitarbeiterInn<span class=\"_ _0\"></span>en (direkt und \u00fcber Stiftung) <span class=\"_ _45\"> </span>1.629.176         <span class=\"ls0\"> <span class=\"_ _46\"> </span></span>  <span class=\"ls0\">hievon Vorstand <span class=\"_ _47\"> </span>32.224 <span class=\"_ _e\"> </span> <span class=\"_ _7\"> </span> </span>                 <span class=\"ls0\"> <span class=\"_ _48\"> </span>Gasselsberger <span class=\"_ _47\"> </span>16.008 <span class=\"_ _e\"> </span> </span>                 <span class=\"ls0\"> <span class=\"_ _49\"> </span>Wei\u00dfl <span class=\"_ _34\"> </span>9.744 <span class=\"_ _e\"> </span> </span>                 <span class=\"ls0\"> <span class=\"_ _4a\"> </span>Hagenauer <span class=\"_ _34\"> </span>4.671</span> <span class=\"_ _4b\"> </span>Seiter <span class=\"_ _34\"> </span>1.801 <span class=\"_ _e\"> </span> Im Rahmen der gew\u00f6hnlichen Gesch\u00e4ft<span class=\"_ _0\"></span>st\u00e4tigkeit werden Gesch\u00e4fte mit n<span class=\"_ _0\"></span>ahe stehenden Unternehmen und Personen zu<span class=\"_ _0\"></span> markt\u00fcblichen Bedingungen und Kon<span class=\"_ _0\"></span>ditionen abgeschlossen. Gesch\u00e4ftsvor<span class=\"_ _0\"></span>f\u00e4lle zwischen nahe stehenden Untern<span class=\"_ _0\"></span>ehmen im<span class=\"_ _128\"> </span>Konsolidierungskreis wu<span class=\"_ _0\"></span>rden im Zuge der Konsolidierung eliminiert und w<span class=\"_ _0\"></span>erden in dieser Anhangangabe nicht erl\u00e4ut<span class=\"_ _0\"></span>ert.<span class=\"_ _128\"> </span>Die Gesch\u00e4ftsbeziehungen zu nahestehenden Unternehmen und Personen stellen sic<span class=\"_ _0\"></span>h per 31.12.2022 wie folgt dar:<span class=\"_ _1\"></span> in Tsd. \u20ac<span class=\"ff5\"> </span>Assoziierte<span class=\"_ _128\"> </span>Unterneh-<span class=\"_ _128\"> </span>men<span class=\"_ _128\"> </span>Tochterun-<span class=\"_ _128\"> </span>ternehmen<span class=\"_ _128\"> </span>Unternehmen, die<span class=\"_ _128\"> </span>die M\u00f6glichkeit ha-<span class=\"_ _128\"> </span>ben einen ma\u00dfgebli-<span class=\"_ _128\"> </span>chen Einfluss au<span class=\"_ _0\"></span>f das<span class=\"_ _128\"> </span>Unternehmen auszu-<span class=\"_ _128\"> </span>\u00fcben<span class=\"_ _128\"> </span>Sonst. nahestehend<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span>Unternehmen u. Per-<span class=\"_ _128\"> </span>sonen<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>Gesch\u00e4ftsvorf\u00e4lle<span class=\"_ _128\"> </span>Finanzierungen<span class=\"_ _128\"> </span>278<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>23.599<span class=\"_ _128\"> </span>B\u00fcrgschaften/Sicherheiten<span class=\"_ _128\"> </span>174<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>9.616<span class=\"_ _128\"> </span>Ausstehende Salden<span class=\"_ _128\"> </span>Forderungen<span class=\"_ _128\"> </span>256.191<span class=\"_ _128\"> </span>29.122<span class=\"_ _128\"> </span>26.826<span class=\"_ _128\"> </span>138.977<span class=\"_ _128\"> </span>Forderungen Vorjahr<span class=\"_ _128\"> </span>218.181<span class=\"_ _128\"> </span>29.455<span class=\"_ _128\"> </span>25.457<span class=\"_ _128\"> </span>48.200<span class=\"_ _128\"> </span>Wertpapiere<span class=\"_ _128\"> </span>7<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Wertpapiere Vorjahr<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Verbindlichkeiten<span class=\"_ _128\"> </span>12.131<span class=\"_ _128\"> </span>41.913<span class=\"_ _128\"> </span>99<span class=\"ls0\"> </span>141.280<span class=\"_ _128\"> </span>Verbindlichkeiten Vorjahr<span class=\"_ _0\"></span> 14.859<span class=\"_ _128\"> </span>40.818<span class=\"_ _128\"> </span>2.697<span class=\"_ _128\"> </span>90.054<span class=\"_ _128\"> </span>B\u00fcrgschaften/Garantien<span class=\"_ _128\"> </span>185.929<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>62.820<span class=\"_ _128\"> </span>B\u00fcrgschaften/Garantien Vo<span class=\"_ _0\"></span>rjahr<span class=\"_ _128\"> </span>177.510<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>29.791<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr zw<span class=\"_ _0\"></span>eifelhafte Forde-<span class=\"_ _128\"> </span>rungen<span class=\"_ _128\"> </span>11<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr zw<span class=\"_ _0\"></span>eifelhafte Forde-<span class=\"_ _128\"> </span>rungen Vorjahr<span class=\"_ _128\"> </span>90<span class=\"ls0\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Ertragsposten<span class=\"_ _128\"> </span>Zinsen 2.774<span class=\"_ _128\"> </span>100<span class=\"ls0\"> </span>66<span class=\"ls0\"> </span>1.718<span class=\"_ _128\"> </span>Provisionen<span class=\"_ _128\"> </span>267<span class=\"ls0\"> </span>1<span class=\"_ _128\"> </span>3<span class=\"_ _128\"> </span>1.262<span class=\"_ _128\"> </span>Aufwendungen<span class=\"_ _128\"> </span>Zinsen 10<span class=\"ls0\"> </span>-<span class=\"ls2\">204</span> 4<span class=\"_ _128\"> </span>-<span class=\"ls2\">71</span> Provisionen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Wertberichtigungen au<span class=\"_ _0\"></span>f Forderungen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>-<span class=\"ls2\">28</span> Verwaltungsaufwendu<span class=\"_ _0\"></span>ngen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>1) Sonstige nah<span class=\"_ _5\"></span>estehend<span class=\"_ _5\"></span>e Unternehmen un<span class=\"_ _5\"></span>d Persone<span class=\"_ _5\"></span>n umfassen di<span class=\"_ _5\"></span>e Mitglieder de<span class=\"_ _5\"></span>s Managements i<span class=\"_ _5\"></span>n Schl\u00fcsselposit<span class=\"_ _5\"></span>ionen der O<span class=\"_ _5\"></span>berbank AG samt<span class=\"_ _128\"> </span>deren nahe<span class=\"_ _5\"></span>stehender Famil<span class=\"_ _5\"></span>ienangeh\u00f6riger<span class=\"_ _5\"></span> sowie Unt<span class=\"_ _5\"></span>ernehmen, die vo<span class=\"_ _5\"></span>n diesen Perso<span class=\"_ _5\"></span>nen beherr<span class=\"_ _5\"></span>scht oder gemei<span class=\"_ _5\"></span>nschaftlic<span class=\"_ _5\"></span>h gef\u00fchrt werden.<span class=\"_ _128\"> </span>Als <span class=\"_ _0\"></span>Mitglieder <span class=\"_ _0\"></span>des <span class=\"_ _0\"></span>Managements <span class=\"_ _0\"></span>in <span class=\"_ _1\"></span>Schl\u00fcsselpo<span class=\"_ _5\"></span>sitionen <span class=\"_ _0\"></span>gem\u00e4\u00df <span class=\"_ _1\"></span>IAS <span class=\"_ _0\"></span>24 <span class=\"_ _1\"></span>wurde <span class=\"_ _0\"></span>in <span class=\"_ _0\"></span>Bezug <span class=\"_ _1\"></span>auf <span class=\"_ _0\"></span>die <span class=\"_ _1\"></span>Oberbank<span class=\"_ _5\"></span> <span class=\"_ _0\"></span>AG <span class=\"_ _1\"></span>folgender <span class=\"_ _0\"></span>Personenkreis<span class=\"_ _128\"> </span>festgelegt<span class=\"_ _5\"></span>: \u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Vorstand </span></span>\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Aufsichtsr\u00e4te (<span class=\"_ _5\"></span>inkl. Arbeitnehmerve<span class=\"_ _5\"></span>rtret<span class=\"_ _5\"></span>er) </span></span>\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Abteilungslei<span class=\"_ _5\"></span>ter </span></span>\u2022<span class=\"ff4 ls2a\">            <span class=\"ls0\"> Hauptverantwor<span class=\"_ _5\"></span>tliche inter<span class=\"_ _5\"></span>ner Kontrollf<span class=\"_ _5\"></span>unktionen, sofe<span class=\"_ _5\"></span>rn diese keine<span class=\"_ _5\"></span> eigene Abte<span class=\"_ _5\"></span>ilung leiten </span></span>-<span class=\"ls2a\">              </span>(Regulatory) Compli<span class=\"_ _5\"></span>ance-Funktio<span class=\"_ _5\"></span>n gem. \u00a7 39 Abs 6 BWG <span class=\"_ _5\"></span> -<span class=\"ls2a\">             </span> Risikomanagement ge<span class=\"_ _5\"></span>m. \u00a7 39 Abs 5 B<span class=\"_ _5\"></span>WG<span class=\"_ _128\"> </span>-<span class=\"ls2a\">             </span> Interne Revision <span class=\"_ _5\"></span>gem. \u00a7 42 BWG<span class=\"_ _128\"> </span>-<span class=\"ls2a\">             </span> Geldw\u00e4sche gem. \u00a7 23 Abs<span class=\"_ _5\"></span> 3 FM-GwG<span class=\"_ _128\"> </span>-<span class=\"ls2a\">             </span> Compliance-Funktio<span class=\"_ _5\"></span>n nach DelVO (<span class=\"_ _5\"></span>EU) 2017/565 und WAG 2<span class=\"_ _5\"></span>018<span class=\"_ _128\"> </span>-<span class=\"ls2a\">               </span>lokale Funktionst<span class=\"_ _5\"></span>r\u00e4ger in den Auslands<span class=\"_ _5\"></span>m\u00e4rkten<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Die Vorjahr<span class=\"_ _5\"></span>eswerte<span class=\"_ _5\"></span> f\u00fcr das Jahr<span class=\"_ _5\"></span> 2021 wurden angepasst.<span class=\"fs2\"> <span class=\"_ _7\"> </span><span class=\"ff5\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-415": {
   "value": "33) Segmentberichterstattung<span class=\"_ _128\"> </span>Basis der Segmentberichterstatt<span class=\"_ _0\"></span>ung ist die interne Unternehmensbereichsrechnu<span class=\"_ _0\"></span>ng, die die 2003 vorgenommene Trenn<span class=\"_ _0\"></span>ung<span class=\"_ _128\"> </span>zwischen Privat<span class=\"_ _0\"></span>- und Firmenkundengesch\u00e4ft u<span class=\"_ _0\"></span>nd die damit gegebene Managementverantwortung ab<span class=\"_ _0\"></span>bildet. Die Segmente<span class=\"_ _128\"> </span>werden wie selbst\u00e4ndige Unt<span class=\"_ _0\"></span>ernehmen mit eigener Kapitalausstattun<span class=\"_ _0\"></span>g und Ergebnisverantwortung dargestellt. Kr<span class=\"_ _0\"></span>iterium f\u00fcr<span class=\"_ _128\"> </span>die Abgrenzung ist<span class=\"_ _0\"></span> in erster Linie die Betreuun<span class=\"_ _0\"></span>gszust\u00e4ndigkeit f\u00fcr die KundInnen.<span class=\"_ _128\"> </span>Die Segmentinformationen b<span class=\"_ _0\"></span>asieren auf dem so genannten \u201eManagement Ap<span class=\"_ _0\"></span>proach\u201c, der verlangt, die Segmentinformation<span class=\"_ _128\"> </span>auf Basis der internen Ber<span class=\"_ _0\"></span>ichterstattung so darzustellen, wie sie regelm\u00e4\u00dfig zur En<span class=\"_ _0\"></span>tscheidung \u00fcber die Z<span class=\"_ _0\"></span>uteilung vo<span class=\"_ _0\"></span>n Ressourcen zu den Segmenten u<span class=\"_ _0\"></span>nd zur Beurteilung ihr<span class=\"_ _0\"></span>er Performance herangezogen wird.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-414": {
   "value": "In der Oberbank<span class=\"_ _0\"></span>-<span class=\"ff9\">Gruppe sind die Segmente \u201ePrivatkunden\u201c, <span class=\"_ _0\"></span>\u201eFirmenkunden\u201c (inkl. dem Er<span class=\"_ _0\"></span>gebnis des Leasing<span class=\"_ _0\"></span></span>-Teilkonzerns),<span class=\"_ _128\"> </span>\u201eFinancial Markets\u201c (Hand<span class=\"_ _0\"></span>elst\u00e4tigkeit;<span class=\"ff4\"> Eigenposition<span class=\"_ _0\"></span>en; als Market Maker eingegangene Positionen; St<span class=\"_ _0\"></span>rukturergebnis; Er-<span class=\"_ _128\"> </span></span>tr\u00e4ge aus assoziierten Unt<span class=\"_ _0\"></span>ernehmen; Ergebnis der ALPENL\u00c4NDISCHE GARA<span class=\"_ _0\"></span>NTIE<span class=\"_ _0\"></span>-<span class=\"ff9\">GESE<span class=\"_ _0\"></span>LLSCHAFT m.b.H.) und \u201eSonstige\u201c<span class=\"_ _128\"> </span></span>(Sachverhalte ohn<span class=\"_ _0\"></span>e direkten Bezug zu Business-Segmenten; nich<span class=\"_ _0\"></span>t den and<span class=\"_ _0\"></span>eren Segmenten zuordenbare Bilanzpost<span class=\"_ _0\"></span>en; Ein-<span class=\"_ _128\"> </span>heiten, die Ergebnisbeitr\u00e4ge abbilden,<span class=\"_ _0\"></span> die nicht einem einzelnen Segment zugeordnet w<span class=\"_ _0\"></span>erden k\u00f6nnen) definiert.<span class=\"_ _0\"></span> Das zugeordnete Eigenkapital wird<span class=\"_ _0\"></span> ab dem Gesch\u00e4ftsjahr 2016 mit dem du<span class=\"_ _0\"></span>rchschnittlichen 10<span class=\"_ _0\"></span>-Jahres-<span class=\"ls2b\">SW<span class=\"ls2c\">AP</span></span>-Satz der letzten<span class=\"_ _0\"></span> 120 Monate verzinst und<span class=\"_ _0\"></span> als Eigenkapitalveranlagungsertrag im Zinsbereich ausgewiesen. D<span class=\"_ _0\"></span>ie Verteilung des zugeordneten<span class=\"_ _128\"> </span>bilanziellen Eigenkapitals erfolgt n<span class=\"_ _0\"></span>ach dem regulatorischen Eigenkapitalerfordernis d<span class=\"_ _0\"></span>er Segmente.<table class=\"s w3a7 h1d7\" id=\"_220d5417-f02f-4f43-aad7-131d33df38f1\"><tr><td class=\"c x178 y14a2 w3a8 h16f\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Segmentberichterstattung 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x2ba y14a2 w3a9 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Financial<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y14a3 w3aa h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">Kerngesch\u00e4ftsbereiche in Tsd.\u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x286 y14a4 w113 h3b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Privat </div></td><td class=\"c x22c y14a4 wf8 h3b\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Firmen </div></td><td class=\"c x2bb y14a3 w3ab h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Markets<span class=\"_ _128\"> </span></div></td><td class=\"c x203 y14a4 w114 h3b\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x2bc y14a4 wf8 h3b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x174 y14a5 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis </div></td><td class=\"c x286 y14a5 w113 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">96.892 </div></td><td class=\"c x22c y14a5 wf8 hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">340.039 </div></td><td class=\"c x2bd y14a5 w9a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-30.871 </div></td><td class=\"c x203 y14a5 w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a5 wf8 hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">406.060 </div></td></tr><tr><td class=\"c x174 y14a6 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus at Equity </div></td><td class=\"c x286 y14a6 w113 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14a6 wf8 hc\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bd y14a6 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">90.653 </div></td><td class=\"c x203 y14a6 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a6 wf8 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">90.653 </div></td></tr><tr><td class=\"c x174 y14a7 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge Kredit </div></td><td class=\"c x286 y14a7 w113 hc\"><div class=\"t m0 x13 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-13.322 </div></td><td class=\"c x22c y14a7 wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-20.446 </div></td><td class=\"c x2bd y14a7 w9a hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-7.714 </div></td><td class=\"c x203 y14a7 w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a7 wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-41.482 </div></td></tr><tr><td class=\"c x174 y14a8 w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x286 y14a8 w113 h12\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-14.710 </div></td><td class=\"c x22c y14a8 wf8 h12\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-5.652 </div></td><td class=\"c x2bd y14a8 w9a h12\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14a8 w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a8 wf8 h12\"><div class=\"t m0 xf8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-20.361 </div></td></tr><tr><td class=\"c x174 y14a9 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge </div></td><td class=\"c x286 y14a9 w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">101.881 </div></td><td class=\"c x22c y14a9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">125.342 </div></td><td class=\"c x2bd y14a9 w9a hc\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14a9 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">227.223 </div></td></tr><tr><td class=\"c x174 y14aa w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x286 y14aa w113 hc\"><div class=\"t m0 x11 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14aa wf8 hc\"><div class=\"t m0 x10 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">172</span> </div></td><td class=\"c x2bd y14aa w9a hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.272 </div></td><td class=\"c x203 y14aa w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14aa wf8 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.100 </div></td></tr><tr><td class=\"c x174 y14ab w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand </div></td><td class=\"c x286 y14ab w113 hc\"><div class=\"t m0 x79 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-107.094 </div></td><td class=\"c x22c y14ab wf8 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-172.167 </div></td><td class=\"c x2bd y14ab w9a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-10.938 </div></td><td class=\"c x203 y14ab w114 hc\"><div class=\"t m0 x6c h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-30.133 </div></td><td class=\"c x2bc y14ab wf8 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-320.331 </div></td></tr><tr><td class=\"c x174 y14ac w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Ertrag<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14ac w113 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.170 </div></td><td class=\"c x22c y14ac wf8 hc\"><div class=\"t m0 x9 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">36</span> </div></td><td class=\"c x2bd y14ac w9a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-40.988 </div></td><td class=\"c x203 y14ac w114 hc\"><div class=\"t m0 x6c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-12.747 </div></td><td class=\"c x2bc y14ac wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-52.602 </div></td></tr><tr><td class=\"c x174 y14ad w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Au\u00dferordentliches Er<span class=\"_ _0\"></span>gebnis </div></td><td class=\"c x286 y14ad w113 h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14ad wf8 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bd y14ad w9a h12\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14ad w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14ad wf8 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ae w112 h2a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14ae w113 h2a\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">64.818 </div></td><td class=\"c x22c y14ae wf8 h2a\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">266.908 </div></td><td class=\"c x2bd y14ae w9a h2a\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.414 </div></td><td class=\"c x203 y14ae w114 h2a\"><div class=\"t m0 x6c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-42.880 </div></td><td class=\"c x2bc y14ae wf8 h2a\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">295.259 </div></td></tr><tr><td class=\"c x174 y14af w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 risikogewichtete Aktiva </div></td><td class=\"c x286 y14af w113 h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.150.712 </div></td><td class=\"c x22c y14af wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">11.776.331 </div></td><td class=\"c x2bd y14af w9a h12\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.127.959 </div></td><td class=\"c x203 y14af w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14af wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">20.055.002<span class=\"fc3\"> </span></div></td></tr><tr><td class=\"c x174 y14b0 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 zugeordnetes Eigenkapital </div></td><td class=\"c x286 y14b0 w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">363.603 </div></td><td class=\"c x22c y14b0 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.990.926 </div></td><td class=\"c x2bd y14b0 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.036.003 </div></td><td class=\"c x203 y14b0 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14b0 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.390.532 </div></td></tr><tr><td class=\"c x174 y14b1 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">RoE (Eigenkapitalrendit<span class=\"_ _0\"></span>e) vor Steuern </div></td><td class=\"c x286 y14b1 w113 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">17,8% </div></td><td class=\"c x22c y14b1 wf8 hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">13,4% </div></td><td class=\"c x2bd y14b1 w9a hc\"><div class=\"t m0 x36 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0,6% </div></td><td></td><td class=\"c x2bc y14b1 wf8 hc\"><div class=\"t m0 xe h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8,7% </div></td></tr><tr><td class=\"c x174 y14b2 w112 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Cost-Income-Ratio (Kost<span class=\"_ _0\"></span>en-Ertrag-Rela-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tion) </div></td><td class=\"c x286 y14b2 w113 h3b\"><div class=\"t m0 x4f h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">57,8% </div></td><td class=\"c x22c y14b2 wf8 h3b\"><div class=\"t m0 xc h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">37,5% </div></td><td class=\"c x2bd y14b2 w9a h3b\"><div class=\"t m0 xc9 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">43,6% </div></td><td></td><td class=\"c x2bc y14b2 wf8 h3b\"><div class=\"t m0 xc h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">48,8% </div></td></tr><tr><td class=\"c x174 y14b3 w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td></td><td></td><td class=\"c x2bd y14b3 w9a h12\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x2bc y14b3 wf8 h12\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td></tr><tr><td class=\"c x174 y14b4 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td></td><td></td><td class=\"c x2bd y14b4 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x2bc y14b4 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td></tr><tr><td class=\"c x174 y14b5 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x286 y14b5 w113 hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.068.653 </div></td><td class=\"c x22c y14b5 wf8 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">15.124.258 </div></td><td></td><td></td><td class=\"c x2bc y14b5 wf8 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td></tr><tr><td class=\"c x174 y14b6 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x2bd y14b6 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td class=\"c x2bc y14b6 wf8 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td></tr><tr><td class=\"c x174 y14b7 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td></td><td></td><td class=\"c x2bd y14b7 w9a hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td><td></td><td class=\"c x2bc y14b7 wf8 hc\"><div class=\"t m0 x60 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td></tr><tr><td class=\"c x174 y14b8 w112 h3a\"><div class=\"t m0 x59 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Anteile an at Equ<span class=\"_ _0\"></span>ity-Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men </div></td><td></td><td></td><td class=\"c x2bd y14b8 w9a h3a\"><div class=\"t m0 x4f h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x2bc y14b8 wf8 h3a\"><div class=\"t m0 x60 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td></tr><tr><td class=\"c x174 y14b9 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14b9 w113 hc\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">86.365 </div></td><td class=\"c x22c y14b9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">292.040 </div></td><td class=\"c x2bd y14b9 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">40.877 </div></td><td class=\"c x203 y14b9 w114 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">131.324 </div></td><td class=\"c x2bc y14b9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">550.607 </div></td></tr><tr><td class=\"c x174 y14ba w112 h84\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentverm\u00f6gen </div></td><td class=\"c x286 y14ba w113 h84\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.155.018 </div></td><td class=\"c x22c y14ba wf8 h84\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">15.416.299 </div></td><td class=\"c x2bd y14ba w9a h84\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.095.524 </div></td><td class=\"c x203 y14ba w114 h84\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">131.324 </div></td><td class=\"c x2bc y14ba wf8 h84\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.798.166 </div></td></tr><tr><td class=\"c x174 y14bb w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kred<span class=\"_ _0\"></span>itinstituten </div></td><td></td><td></td><td class=\"c x2bd y14bb w9a hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x2bc y14bb wf8 hc\"><div class=\"t m0 x60 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td></tr><tr><td class=\"c x174 y14bc w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Ku<span class=\"_ _0\"></span>nden </div></td><td class=\"c x286 y14bc w113 h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.754.334 </div></td><td class=\"c x22c y14bc wf8 h12\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.307.021 </div></td><td></td><td></td><td class=\"c x2bc y14bc wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td></tr><tr><td class=\"c x174 y14bd w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td class=\"c x2bd y14bd w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td></td><td class=\"c x2bc y14bd wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td></tr><tr><td class=\"c x174 y14be w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td></td><td></td><td class=\"c x2bd y14be w9a h12\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td></td><td class=\"c x2bc y14be wf8 h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td></tr><tr><td class=\"c x174 y14bf w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigen- und Nachr<span class=\"_ _0\"></span>angkapital </div></td><td class=\"c x286 y14bf w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">431.819 </div></td><td class=\"c x22c y14bf wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.364.445 </div></td><td class=\"c x2bd y14bf w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.230.368 </div></td><td></td><td class=\"c x2bc y14bf wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.026.632 </div></td></tr><tr><td class=\"c x174 y14c0 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Schulden </div></td><td class=\"c x286 y14c0 w113 hc\"><div class=\"t m0 x87 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">45.207 </div></td><td class=\"c x22c y14c0 wf8 hc\"><div class=\"t m0 x15 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">109.945 </div></td><td class=\"c x2bd y14c0 w9a hc\"><div class=\"t m0 x60 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">185.261 </div></td><td class=\"c x203 y14c0 w114 hc\"><div class=\"t m0 x59 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">463.634 </div></td><td class=\"c x2bc y14c0 wf8 hc\"><div class=\"t m0 x15 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">804.047 </div></td></tr><tr><td class=\"c x174 y14c1 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentschulden </div></td><td class=\"c x286 y14c1 w113 hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.231.359 </div></td><td class=\"c x22c y14c1 wf8 hc\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.781.411 </div></td><td class=\"c x2bd y14c1 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.321.762 </div></td><td class=\"c x203 y14c1 w114 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">463.634 </div></td><td class=\"c x2bc y14c1 wf8 hc\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.798.166 </div></td></tr><tr><td class=\"c x174 y14c2 w112 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen </div></td><td class=\"c x286 y14c2 w113 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.296 </div></td><td class=\"c x22c y14c2 wf8 h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.635 </div></td><td class=\"c x2bd y14c2 w9a h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">290<span class=\"ls0\"> </span></div></td><td class=\"c x203 y14c2 w114 h39\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.180 </div></td><td class=\"c x2bc y14c2 wf8 h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.401 </div></td></tr><tr><td class=\"c x174 y14c3 w115 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Segmentberichterstattung 1.12.2021<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14c3 w116 hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Privat </div></td><td class=\"c x2bf y14c3 w117 hc\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Firmen </div></td><td class=\"c x2c0 y14c3 w118 hc\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Financial Markets </div></td><td class=\"c x2c1 y14c3 w119 hc\"><div class=\"t m0 xc8 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x2c2 y14c3 w11a hc\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td></tr></table><div class=\"gsa\"><table class=\"s w3ac h1d8\" id=\"_34cfc401-d58f-4c29-900d-2c5d21f4c52e\"><tr><td class=\"c x174 y14c4 w115 hc\" colspan=\"2\"><div class=\"t m0 x7 h6 y7f ffb fs2 fc2 sc0 ls0 ws0\">Kerngesch\u00e4ftsbereiche in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y14c5 w115 h2a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis </div></td><td class=\"c x2be y14c5 w116 h2a\"><div class=\"t m0 x4f h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">64.431 </div></td><td class=\"c x2bf y14c5 w117 h2a\"><div class=\"t m0 x37 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">275.189 </div></td><td class=\"c x2c0 y14c5 w118 h2a\"><div class=\"t m0 x1e h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">6.437 </div></td><td class=\"c x2c1 y14c5 w119 h2a\"><div class=\"t m0 x42 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c5 w11a h2a\"><div class=\"t m0 x37 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">346.057 </div></td></tr><tr><td class=\"c x174 y14c6 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus at Equity </div></td><td class=\"c x2be y14c6 w116 hc\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14c6 w117 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c0 y14c6 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">100.134 </div></td><td class=\"c x2c1 y14c6 w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c6 w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">100.134 </div></td></tr><tr><td class=\"c x174 y14c7 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge Kredit </div></td><td class=\"c x2be y14c7 w116 hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-3.740 </div></td><td class=\"c x2bf y14c7 w117 hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-24.446 </div></td><td class=\"c x2c0 y14c7 w118 hc\"><div class=\"t m0 x2f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-7.527 </div></td><td class=\"c x2c1 y14c7 w119 hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c7 w11a hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-35.713 </div></td></tr><tr><td class=\"c x174 y14c8 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x2be y14c8 w116 h12\"><div class=\"t m0 x85 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-15.060 </div></td><td class=\"c x2bf y14c8 w117 h12\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-5.817 </div></td><td class=\"c x2c0 y14c8 w118 h12\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14c8 w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c8 w11a h12\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-20.877 </div></td></tr><tr><td class=\"c x174 y14c9 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge </div></td><td class=\"c x2be y14c9 w116 hc\"><div class=\"t m0 x13 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">100.138 </div></td><td class=\"c x2bf y14c9 w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">112.690 </div></td><td class=\"c x2c0 y14c9 w118 hc\"><div class=\"t m0 x50 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14c9 w119 hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c9 w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">212.828 </div></td></tr><tr><td class=\"c x174 y14ca w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x2be y14ca w116 h12\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14ca w117 h12\"><div class=\"t m0 x2c h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">982</span> </div></td><td class=\"c x2c0 y14ca w118 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.746 </div></td><td class=\"c x2c1 y14ca w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14ca w11a h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.764 </div></td></tr><tr><td class=\"c x174 y14cb w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand * </div></td><td class=\"c x2be y14cb w116 hc\"><div class=\"t m0 x29 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-105.435 </div></td><td class=\"c x2bf y14cb w117 hc\"><div class=\"t m0 x2b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-166.970 </div></td><td class=\"c x2c0 y14cb w118 hc\"><div class=\"t m0 x9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-10.277 </div></td><td class=\"c x2c1 y14cb w119 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-30.886 </div></td><td class=\"c x2c2 y14cb w11a hc\"><div class=\"t m0 x2b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-313.568 </div></td></tr><tr><td class=\"c x174 y14cc w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Ertrag<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14cc w116 hc\"><div class=\"t m0 x8c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">7.035 </div></td><td class=\"c x2bf y14cc w117 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-2.066 </div></td><td class=\"c x2c0 y14cc w118 hc\"><div class=\"t m0 x35 h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x2c1 y14cc w119 hc\"><div class=\"t m0 x59 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-20.210 </div></td><td class=\"c x2c2 y14cc w11a hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-14.737 </div></td></tr><tr><td class=\"c x174 y14cd w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Au\u00dferordentliches Er<span class=\"_ _0\"></span>gebnis </div></td><td class=\"c x2be y14cd w116 hc\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14cd w117 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c0 y14cd w118 hc\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14cd w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14cd w11a hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ce w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14ce w116 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">47.369 </div></td><td class=\"c x2bf y14ce w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">187.597 </div></td><td class=\"c x2c0 y14ce w118 hc\"><div class=\"t m0 xfd h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">98.016 </div></td><td class=\"c x2c1 y14ce w119 hc\"><div class=\"t m0 x59 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-51.096 </div></td><td class=\"c x2c2 y14ce w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">281.887 </div></td></tr><tr><td class=\"c x174 y14cf w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 risikogewichtete Aktiva </div></td><td class=\"c x2be y14cf w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.054.573 </div></td><td class=\"c x2bf y14cf w117 h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.983.346 </div></td><td class=\"c x2c0 y14cf w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">5.390.131 </div></td><td class=\"c x2c1 y14cf w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14cf w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">18.428.050 </div></td></tr><tr><td class=\"c x174 y14d0 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 zugeordnetes Eigenkapital </div></td><td class=\"c x2be y14d0 w116 hc\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">354.040 </div></td><td class=\"c x2bf y14d0 w117 hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.892.631 </div></td><td class=\"c x2c0 y14d0 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">928.818 </div></td><td class=\"c x2c1 y14d0 w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14d0 w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.175.489 </div></td></tr><tr><td class=\"c x174 y14d1 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">RoE (Eigenkapitalrendit<span class=\"_ _0\"></span>e) vor Steern </div></td><td class=\"c x2be y14d1 w116 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">13,4% </div></td><td class=\"c x2bf y14d1 w117 hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">9,9% </div></td><td class=\"c x2c0 y14d1 w118 hc\"><div class=\"t m0 x2d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">10,6% </div></td><td></td><td class=\"c x2c2 y14d1 w11a hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8,9% </div></td></tr><tr><td class=\"c x174 y14d2 w115 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Cost-Income-Ratio (Kost<span class=\"_ _0\"></span>en-Ertrag-Rela-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tion) </div></td><td class=\"c x2be y14d2 w116 h3a\"><div class=\"t m0 x47 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">67,4% </div></td><td class=\"c x2bf y14d2 w117 h3a\"><div class=\"t m0 x42 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">44,1% </div></td><td class=\"c x2c0 y14d2 w118 h3a\"><div class=\"t m0 x4 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">8,9% </div></td><td></td><td class=\"c x2c2 y14d2 w11a h3a\"><div class=\"t m0 x42 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">49,7% </div></td></tr><tr><td class=\"c x174 y14d3 w11b ha5\"><div class=\"t m0 x7 h5 y86a ff4 fs2 fc2 sc0 ls0 ws0\">*) <span class=\"ff9 fs4\">Die bisher i<span class=\"_ _5\"></span>m Segment \u201eSonstige\u201c <span class=\"_ _5\"></span>enthal<span class=\"_ _5\"></span>tene Zuwendun<span class=\"_ _5\"></span>g an die Mit<span class=\"_ _5\"></span>arbeiter<span class=\"ff4\">-Beteiligungsst<span class=\"_ _5\"></span>iftung wird ab d<span class=\"_ _5\"></span>em Gesch\u00e4ftsjah<span class=\"_ _5\"></span>r 2022 den Seg-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x6c h1e y348 ff4 fs4 fc2 sc0 ls0 ws0\">menten Privat<span class=\"_ _5\"></span>, Firmen und Fi<span class=\"_ _5\"></span>nancial Mark<span class=\"_ _5\"></span>ets zugerechn<span class=\"_ _5\"></span>et. Die Vorjahr<span class=\"_ _5\"></span>eswerte f\u00fcr das<span class=\"_ _5\"></span> Jahr 2021 wurde<span class=\"_ _5\"></span>n entsprechend<span class=\"_ _5\"></span> angepasst.<span class=\"fs1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y14d4 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td></td><td></td><td class=\"c x2c0 y14d4 w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x2c2 y14d4 w11a h12\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td></tr><tr><td class=\"c x174 y14d5 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td></td><td></td><td class=\"c x2c0 y14d5 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x2c2 y14d5 w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr><tr><td class=\"c x174 y14d6 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x2be y14d6 w116 hc\"><div class=\"t m0 x88 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.017.509 </div></td><td class=\"c x2bf y14d6 w117 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">14.410.418 </div></td><td></td><td></td><td class=\"c x2c2 y14d6 w11a hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x174 y14d7 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x2c0 y14d7 w118 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td class=\"c x2c2 y14d7 w11a hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr><tr><td class=\"c x174 y14d8 w115 hc\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td></td><td></td><td class=\"c x2c0 y14d8 w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td><td></td><td class=\"c x2c2 y14d8 w11a hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr><tr><td class=\"c x174 y14d9 w115 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Anteile an at <span class=\"_ _0\"></span>Equity-Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men </div></td><td></td><td></td><td class=\"c x2c0 y14d9 w118 h3a\"><div class=\"t m0 x14 h5 y2ef ffd fs2 fc2 sc0 ls0 ws0\">1.000.764<span class=\"ff4\"> </span></div></td><td></td><td class=\"c x2c2 y14d9 w11a h3a\"><div class=\"t m0 x5a h5 y2ef ffd fs2 fc2 sc0 ls0 ws0\">1.000.764<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x174 y14da w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14da w116 hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">87.197 </div></td><td class=\"c x2bf y14da w117 hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">325.628 </div></td><td class=\"c x2c0 y14da w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">103.154 </div></td><td class=\"c x2c1 y14da w119 hc\"><div class=\"t m0 xa6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">103.492 </div></td><td class=\"c x2c2 y14da w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">619.470 </div></td></tr><tr><td class=\"c x174 y14db w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentverm\u00f6gen </div></td><td class=\"c x2be y14db w116 hc\"><div class=\"t m0 x88 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.104.706 </div></td><td class=\"c x2bf y14db w117 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">14.736.046 </div></td><td class=\"c x2c0 y14db w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8.595.420 </div></td><td class=\"c x2c1 y14db w119 hc\"><div class=\"t m0 xa6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">103.492 </div></td><td class=\"c x2c2 y14db w11a hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">27.539.663 </div></td></tr><tr><td class=\"c x174 y14dc w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kred<span class=\"_ _0\"></span>itinstituten </div></td><td></td><td></td><td class=\"c x2c0 y14dc w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td class=\"c x2c2 y14dc w11a hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x174 y14dd w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Ku<span class=\"_ _0\"></span>nden </div></td><td class=\"c x2be y14dd w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.508.346 </div></td><td class=\"c x2bf y14dd w117 h12\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.220.243 </div></td><td></td><td></td><td class=\"c x2c2 y14dd w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x174 y14de w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td class=\"c x2c0 y14de w118 hc\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td><td></td><td class=\"c x2c2 y14de w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y14df w115 h2a\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td></td><td></td><td class=\"c x2c0 y14df w118 h2a\"><div class=\"t m0 xfd h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td><td></td><td class=\"c x2c2 y14df w11a h2a\"><div class=\"t m0 x15 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr><tr><td class=\"c x174 y14e0 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigen- und Nachr<span class=\"_ _0\"></span>angkapital </div></td><td class=\"c x2be y14e0 w116 hc\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">425.255 </div></td><td class=\"c x2bf y14e0 w117 hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.273.328 </div></td><td class=\"c x2c0 y14e0 w118 hc\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.115.647 </div></td><td></td><td class=\"c x2c2 y14e0 w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.814.229 </div></td></tr><tr><td class=\"c x174 y14e1 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Schulden </div></td><td class=\"c x2be y14e1 w116 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">42.873 </div></td><td class=\"c x2bf y14e1 w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">272.081 </div></td><td class=\"c x2c0 y14e1 w118 hc\"><div class=\"t m0 xfd h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">34.582 </div></td><td class=\"c x2c1 y14e1 w119 hc\"><div class=\"t m0 xa6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">511.785 </div></td><td class=\"c x2c2 y14e1 w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">861.322 </div></td></tr><tr><td class=\"c x174 y14e2 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentschulden </div></td><td class=\"c x2be y14e2 w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.976.474 </div></td><td class=\"c x2bf y14e2 w117 h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.765.651 </div></td><td class=\"c x2c0 y14e2 w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">9.285.752 </div></td><td class=\"c x2c1 y14e2 w119 h12\"><div class=\"t m0 xa6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">511.785 </div></td><td class=\"c x2c2 y14e2 w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">27.539.663 </div></td></tr><tr><td class=\"c x174 y14e3 w115 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen<span class=\"ff5\"> </span></div></td><td class=\"c x2be y14e3 w116 hc\"><div class=\"t m0 x8c h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">7.952<span class=\"ff5\"> </span></div></td><td class=\"c x2bf y14e3 w117 hc\"><div class=\"t m0 x15 h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">15.170<span class=\"ff5\"> </span></div></td><td class=\"c x2c0 y14e3 w118 hc\"><div class=\"t m0 x35 h6 ydb ff4 fs2 fc2 sc0 ls2 ws0\">262<span class=\"ff5 ls0\"> </span></div></td><td class=\"c x2c1 y14e3 w119 hc\"><div class=\"t m0 x4f h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.093<span class=\"ff5\"> </span></div></td><td class=\"c x2c2 y14e3 w11a hc\"><div class=\"t m0 x15 h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"ff5\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-440": {
   "value": "<div class=\"gsa\"><table class=\"s w3a7 h1d7\" id=\"_220d5417-f02f-4f43-aad7-131d33df38f1\"><tr><td class=\"c x178 y14a2 w3a8 h16f\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Segmentberichterstattung 31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x2ba y14a2 w3a9 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Financial<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y14a3 w3aa h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">Kerngesch\u00e4ftsbereiche in Tsd.\u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x286 y14a4 w113 h3b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Privat </div></td><td class=\"c x22c y14a4 wf8 h3b\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Firmen </div></td><td class=\"c x2bb y14a3 w3ab h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Markets<span class=\"_ _128\"> </span></div></td><td class=\"c x203 y14a4 w114 h3b\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x2bc y14a4 wf8 h3b\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td></tr><tr><td class=\"c x174 y14a5 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis </div></td><td class=\"c x286 y14a5 w113 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">96.892 </div></td><td class=\"c x22c y14a5 wf8 hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">340.039 </div></td><td class=\"c x2bd y14a5 w9a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-30.871 </div></td><td class=\"c x203 y14a5 w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a5 wf8 hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">406.060 </div></td></tr><tr><td class=\"c x174 y14a6 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus at Equity </div></td><td class=\"c x286 y14a6 w113 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14a6 wf8 hc\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bd y14a6 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">90.653 </div></td><td class=\"c x203 y14a6 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a6 wf8 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">90.653 </div></td></tr><tr><td class=\"c x174 y14a7 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge Kredit </div></td><td class=\"c x286 y14a7 w113 hc\"><div class=\"t m0 x13 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-13.322 </div></td><td class=\"c x22c y14a7 wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-20.446 </div></td><td class=\"c x2bd y14a7 w9a hc\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-7.714 </div></td><td class=\"c x203 y14a7 w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a7 wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-41.482 </div></td></tr><tr><td class=\"c x174 y14a8 w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x286 y14a8 w113 h12\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-14.710 </div></td><td class=\"c x22c y14a8 wf8 h12\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-5.652 </div></td><td class=\"c x2bd y14a8 w9a h12\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14a8 w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a8 wf8 h12\"><div class=\"t m0 xf8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-20.361 </div></td></tr><tr><td class=\"c x174 y14a9 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge </div></td><td class=\"c x286 y14a9 w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">101.881 </div></td><td class=\"c x22c y14a9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">125.342 </div></td><td class=\"c x2bd y14a9 w9a hc\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14a9 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14a9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">227.223 </div></td></tr><tr><td class=\"c x174 y14aa w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x286 y14aa w113 hc\"><div class=\"t m0 x11 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14aa wf8 hc\"><div class=\"t m0 x10 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">172</span> </div></td><td class=\"c x2bd y14aa w9a hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.272 </div></td><td class=\"c x203 y14aa w114 hc\"><div class=\"t m0 x4d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14aa wf8 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.100 </div></td></tr><tr><td class=\"c x174 y14ab w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand </div></td><td class=\"c x286 y14ab w113 hc\"><div class=\"t m0 x79 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-107.094 </div></td><td class=\"c x22c y14ab wf8 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-172.167 </div></td><td class=\"c x2bd y14ab w9a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-10.938 </div></td><td class=\"c x203 y14ab w114 hc\"><div class=\"t m0 x6c h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-30.133 </div></td><td class=\"c x2bc y14ab wf8 hc\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-320.331 </div></td></tr><tr><td class=\"c x174 y14ac w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Ertrag<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14ac w113 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.170 </div></td><td class=\"c x22c y14ac wf8 hc\"><div class=\"t m0 x9 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">36</span> </div></td><td class=\"c x2bd y14ac w9a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-40.988 </div></td><td class=\"c x203 y14ac w114 hc\"><div class=\"t m0 x6c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-12.747 </div></td><td class=\"c x2bc y14ac wf8 hc\"><div class=\"t m0 xf8 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-52.602 </div></td></tr><tr><td class=\"c x174 y14ad w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Au\u00dferordentliches Er<span class=\"_ _0\"></span>gebnis </div></td><td class=\"c x286 y14ad w113 h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x22c y14ad wf8 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bd y14ad w9a h12\"><div class=\"t m0 xf9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x203 y14ad w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14ad wf8 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ae w112 h2a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14ae w113 h2a\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">64.818 </div></td><td class=\"c x22c y14ae wf8 h2a\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">266.908 </div></td><td class=\"c x2bd y14ae w9a h2a\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.414 </div></td><td class=\"c x203 y14ae w114 h2a\"><div class=\"t m0 x6c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-42.880 </div></td><td class=\"c x2bc y14ae wf8 h2a\"><div class=\"t m0 x15 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">295.259 </div></td></tr><tr><td class=\"c x174 y14af w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 risikogewichtete Aktiva </div></td><td class=\"c x286 y14af w113 h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.150.712 </div></td><td class=\"c x22c y14af wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">11.776.331 </div></td><td class=\"c x2bd y14af w9a h12\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.127.959 </div></td><td class=\"c x203 y14af w114 h12\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14af wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">20.055.002<span class=\"fc3\"> </span></div></td></tr><tr><td class=\"c x174 y14b0 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 zugeordnetes Eigenkapital </div></td><td class=\"c x286 y14b0 w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">363.603 </div></td><td class=\"c x22c y14b0 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.990.926 </div></td><td class=\"c x2bd y14b0 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.036.003 </div></td><td class=\"c x203 y14b0 w114 hc\"><div class=\"t m0 x4d h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bc y14b0 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.390.532 </div></td></tr><tr><td class=\"c x174 y14b1 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">RoE (Eigenkapitalrendit<span class=\"_ _0\"></span>e) vor Steuern </div></td><td class=\"c x286 y14b1 w113 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">17,8% </div></td><td class=\"c x22c y14b1 wf8 hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">13,4% </div></td><td class=\"c x2bd y14b1 w9a hc\"><div class=\"t m0 x36 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0,6% </div></td><td></td><td class=\"c x2bc y14b1 wf8 hc\"><div class=\"t m0 xe h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8,7% </div></td></tr><tr><td class=\"c x174 y14b2 w112 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Cost-Income-Ratio (Kost<span class=\"_ _0\"></span>en-Ertrag-Rela-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tion) </div></td><td class=\"c x286 y14b2 w113 h3b\"><div class=\"t m0 x4f h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">57,8% </div></td><td class=\"c x22c y14b2 wf8 h3b\"><div class=\"t m0 xc h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">37,5% </div></td><td class=\"c x2bd y14b2 w9a h3b\"><div class=\"t m0 xc9 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">43,6% </div></td><td></td><td class=\"c x2bc y14b2 wf8 h3b\"><div class=\"t m0 xc h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">48,8% </div></td></tr><tr><td class=\"c x174 y14b3 w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td></td><td></td><td class=\"c x2bd y14b3 w9a h12\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td><td></td><td class=\"c x2bc y14b3 wf8 h12\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.287.322 </div></td></tr><tr><td class=\"c x174 y14b4 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td></td><td></td><td class=\"c x2bd y14b4 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td><td></td><td class=\"c x2bc y14b4 wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.057.204 </div></td></tr><tr><td class=\"c x174 y14b5 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x286 y14b5 w113 hc\"><div class=\"t m0 x7 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.068.653 </div></td><td class=\"c x22c y14b5 wf8 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">15.124.258 </div></td><td></td><td></td><td class=\"c x2bc y14b5 wf8 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">19.192.911 </div></td></tr><tr><td class=\"c x174 y14b6 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x2bd y14b6 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td><td></td><td class=\"c x2bc y14b6 wf8 hc\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">56.655 </div></td></tr><tr><td class=\"c x174 y14b7 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td></td><td></td><td class=\"c x2bd y14b7 w9a hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td><td></td><td class=\"c x2bc y14b7 wf8 hc\"><div class=\"t m0 x60 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.653.467 </div></td></tr><tr><td class=\"c x174 y14b8 w112 h3a\"><div class=\"t m0 x59 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Anteile an at Equ<span class=\"_ _0\"></span>ity-Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men </div></td><td></td><td></td><td class=\"c x2bd y14b8 w9a h3a\"><div class=\"t m0 x4f h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x2bc y14b8 wf8 h3a\"><div class=\"t m0 x60 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td></tr><tr><td class=\"c x174 y14b9 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x286 y14b9 w113 hc\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">86.365 </div></td><td class=\"c x22c y14b9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">292.040 </div></td><td class=\"c x2bd y14b9 w9a hc\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">40.877 </div></td><td class=\"c x203 y14b9 w114 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">131.324 </div></td><td class=\"c x2bc y14b9 wf8 hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">550.607 </div></td></tr><tr><td class=\"c x174 y14ba w112 h84\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentverm\u00f6gen </div></td><td class=\"c x286 y14ba w113 h84\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.155.018 </div></td><td class=\"c x22c y14ba wf8 h84\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">15.416.299 </div></td><td class=\"c x2bd y14ba w9a h84\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.095.524 </div></td><td class=\"c x203 y14ba w114 h84\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">131.324 </div></td><td class=\"c x2bc y14ba wf8 h84\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.798.166 </div></td></tr><tr><td class=\"c x174 y14bb w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kred<span class=\"_ _0\"></span>itinstituten </div></td><td></td><td></td><td class=\"c x2bd y14bb w9a hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td><td></td><td class=\"c x2bc y14bb wf8 hc\"><div class=\"t m0 x60 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735 </div></td></tr><tr><td class=\"c x174 y14bc w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Ku<span class=\"_ _0\"></span>nden </div></td><td class=\"c x286 y14bc w113 h12\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.754.334 </div></td><td class=\"c x22c y14bc wf8 h12\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.307.021 </div></td><td></td><td></td><td class=\"c x2bc y14bc wf8 h12\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355 </div></td></tr><tr><td class=\"c x174 y14bd w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td class=\"c x2bd y14bd w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td></td><td class=\"c x2bc y14bd wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td></tr><tr><td class=\"c x174 y14be w112 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td></td><td></td><td class=\"c x2bd y14be w9a h12\"><div class=\"t m0 x4a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td><td></td><td class=\"c x2bc y14be wf8 h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">50.381 </div></td></tr><tr><td class=\"c x174 y14bf w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigen- und Nachr<span class=\"_ _0\"></span>angkapital </div></td><td class=\"c x286 y14bf w113 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">431.819 </div></td><td class=\"c x22c y14bf wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.364.445 </div></td><td class=\"c x2bd y14bf w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.230.368 </div></td><td></td><td class=\"c x2bc y14bf wf8 hc\"><div class=\"t m0 x60 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.026.632 </div></td></tr><tr><td class=\"c x174 y14c0 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Schulden </div></td><td class=\"c x286 y14c0 w113 hc\"><div class=\"t m0 x87 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">45.207 </div></td><td class=\"c x22c y14c0 wf8 hc\"><div class=\"t m0 x15 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">109.945 </div></td><td class=\"c x2bd y14c0 w9a hc\"><div class=\"t m0 x60 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">185.261 </div></td><td class=\"c x203 y14c0 w114 hc\"><div class=\"t m0 x59 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">463.634 </div></td><td class=\"c x2bc y14c0 wf8 hc\"><div class=\"t m0 x15 h5 y862 ff4 fs2 fc2 sc0 ls0 ws0\">804.047 </div></td></tr><tr><td class=\"c x174 y14c1 w112 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentschulden </div></td><td class=\"c x286 y14c1 w113 hc\"><div class=\"t m0 x7 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.231.359 </div></td><td class=\"c x22c y14c1 wf8 hc\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.781.411 </div></td><td class=\"c x2bd y14c1 w9a hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.321.762 </div></td><td class=\"c x203 y14c1 w114 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">463.634 </div></td><td class=\"c x2bc y14c1 wf8 hc\"><div class=\"t m0 x47 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">26.798.166 </div></td></tr><tr><td class=\"c x174 y14c2 w112 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen </div></td><td class=\"c x286 y14c2 w113 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.296 </div></td><td class=\"c x22c y14c2 wf8 h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.635 </div></td><td class=\"c x2bd y14c2 w9a h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">290<span class=\"ls0\"> </span></div></td><td class=\"c x203 y14c2 w114 h39\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.180 </div></td><td class=\"c x2bc y14c2 wf8 h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.401 </div></td></tr><tr><td class=\"c x174 y14c3 w115 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Segmentberichterstattung 1.12.2021<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14c3 w116 hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Privat </div></td><td class=\"c x2bf y14c3 w117 hc\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Firmen </div></td><td class=\"c x2c0 y14c3 w118 hc\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Financial Markets </div></td><td class=\"c x2c1 y14c3 w119 hc\"><div class=\"t m0 xc8 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x2c2 y14c3 w11a hc\"><div class=\"t m0 x5b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Summe </div></td></tr></table></div><table class=\"s w3ac h1d8\" id=\"_34cfc401-d58f-4c29-900d-2c5d21f4c52e\"><tr><td class=\"c x174 y14c4 w115 hc\" colspan=\"2\"><div class=\"t m0 x7 h6 y7f ffb fs2 fc2 sc0 ls0 ws0\">Kerngesch\u00e4ftsbereiche in Tsd.\u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y14c5 w115 h2a\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zinsergebnis </div></td><td class=\"c x2be y14c5 w116 h2a\"><div class=\"t m0 x4f h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">64.431 </div></td><td class=\"c x2bf y14c5 w117 h2a\"><div class=\"t m0 x37 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">275.189 </div></td><td class=\"c x2c0 y14c5 w118 h2a\"><div class=\"t m0 x1e h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">6.437 </div></td><td class=\"c x2c1 y14c5 w119 h2a\"><div class=\"t m0 x42 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c5 w11a h2a\"><div class=\"t m0 x37 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">346.057 </div></td></tr><tr><td class=\"c x174 y14c6 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ertr\u00e4ge aus at Equity </div></td><td class=\"c x2be y14c6 w116 hc\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14c6 w117 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c0 y14c6 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">100.134 </div></td><td class=\"c x2c1 y14c6 w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c6 w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">100.134 </div></td></tr><tr><td class=\"c x174 y14c7 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge Kredit </div></td><td class=\"c x2be y14c7 w116 hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-3.740 </div></td><td class=\"c x2bf y14c7 w117 hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-24.446 </div></td><td class=\"c x2c0 y14c7 w118 hc\"><div class=\"t m0 x2f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-7.527 </div></td><td class=\"c x2c1 y14c7 w119 hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c7 w11a hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-35.713 </div></td></tr><tr><td class=\"c x174 y14c8 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsaufwendun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x2be y14c8 w116 h12\"><div class=\"t m0 x85 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-15.060 </div></td><td class=\"c x2bf y14c8 w117 h12\"><div class=\"t m0 x3f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-5.817 </div></td><td class=\"c x2c0 y14c8 w118 h12\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14c8 w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c8 w11a h12\"><div class=\"t m0 x5b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-20.877 </div></td></tr><tr><td class=\"c x174 y14c9 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Provisionsertr\u00e4ge </div></td><td class=\"c x2be y14c9 w116 hc\"><div class=\"t m0 x13 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">100.138 </div></td><td class=\"c x2bf y14c9 w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">112.690 </div></td><td class=\"c x2c0 y14c9 w118 hc\"><div class=\"t m0 x50 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14c9 w119 hc\"><div class=\"t m0 x42 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14c9 w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">212.828 </div></td></tr><tr><td class=\"c x174 y14ca w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsergebnis </div></td><td class=\"c x2be y14ca w116 h12\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14ca w117 h12\"><div class=\"t m0 x2c h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">982</span> </div></td><td class=\"c x2c0 y14ca w118 h12\"><div class=\"t m0 x1e h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.746 </div></td><td class=\"c x2c1 y14ca w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14ca w11a h12\"><div class=\"t m0 x11 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">7.764 </div></td></tr><tr><td class=\"c x174 y14cb w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verwaltungsaufwand * </div></td><td class=\"c x2be y14cb w116 hc\"><div class=\"t m0 x29 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-105.435 </div></td><td class=\"c x2bf y14cb w117 hc\"><div class=\"t m0 x2b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-166.970 </div></td><td class=\"c x2c0 y14cb w118 hc\"><div class=\"t m0 x9 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-10.277 </div></td><td class=\"c x2c1 y14cb w119 hc\"><div class=\"t m0 x59 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-30.886 </div></td><td class=\"c x2c2 y14cb w11a hc\"><div class=\"t m0 x2b h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">-313.568 </div></td></tr><tr><td class=\"c x174 y14cc w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Ertrag<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14cc w116 hc\"><div class=\"t m0 x8c h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">7.035 </div></td><td class=\"c x2bf y14cc w117 hc\"><div class=\"t m0 x3f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-2.066 </div></td><td class=\"c x2c0 y14cc w118 hc\"><div class=\"t m0 x35 h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x2c1 y14cc w119 hc\"><div class=\"t m0 x59 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-20.210 </div></td><td class=\"c x2c2 y14cc w11a hc\"><div class=\"t m0 x5b h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-14.737 </div></td></tr><tr><td class=\"c x174 y14cd w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Au\u00dferordentliches Er<span class=\"_ _0\"></span>gebnis </div></td><td class=\"c x2be y14cd w116 hc\"><div class=\"t m0 xc h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2bf y14cd w117 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c0 y14cd w118 hc\"><div class=\"t m0 x50 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c1 y14cd w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14cd w11a hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ce w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Jahres\u00fcberschuss vor Steuern<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14ce w116 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">47.369 </div></td><td class=\"c x2bf y14ce w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">187.597 </div></td><td class=\"c x2c0 y14ce w118 hc\"><div class=\"t m0 xfd h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">98.016 </div></td><td class=\"c x2c1 y14ce w119 hc\"><div class=\"t m0 x59 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">-51.096 </div></td><td class=\"c x2c2 y14ce w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">281.887 </div></td></tr><tr><td class=\"c x174 y14cf w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 risikogewichtete Aktiva </div></td><td class=\"c x2be y14cf w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.054.573 </div></td><td class=\"c x2bf y14cf w117 h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.983.346 </div></td><td class=\"c x2c0 y14cf w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">5.390.131 </div></td><td class=\"c x2c1 y14cf w119 h12\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14cf w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">18.428.050 </div></td></tr><tr><td class=\"c x174 y14d0 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d8 zugeordnetes Eigenkapital </div></td><td class=\"c x2be y14d0 w116 hc\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">354.040 </div></td><td class=\"c x2bf y14d0 w117 hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.892.631 </div></td><td class=\"c x2c0 y14d0 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">928.818 </div></td><td class=\"c x2c1 y14d0 w119 hc\"><div class=\"t m0 x42 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2c2 y14d0 w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.175.489 </div></td></tr><tr><td class=\"c x174 y14d1 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">RoE (Eigenkapitalrendit<span class=\"_ _0\"></span>e) vor Steern </div></td><td class=\"c x2be y14d1 w116 hc\"><div class=\"t m0 x47 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">13,4% </div></td><td class=\"c x2bf y14d1 w117 hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">9,9% </div></td><td class=\"c x2c0 y14d1 w118 hc\"><div class=\"t m0 x2d h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">10,6% </div></td><td></td><td class=\"c x2c2 y14d1 w11a hc\"><div class=\"t m0 xc h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8,9% </div></td></tr><tr><td class=\"c x174 y14d2 w115 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Cost-Income-Ratio (Kost<span class=\"_ _0\"></span>en-Ertrag-Rela-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tion) </div></td><td class=\"c x2be y14d2 w116 h3a\"><div class=\"t m0 x47 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">67,4% </div></td><td class=\"c x2bf y14d2 w117 h3a\"><div class=\"t m0 x42 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">44,1% </div></td><td class=\"c x2c0 y14d2 w118 h3a\"><div class=\"t m0 x4 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">8,9% </div></td><td></td><td class=\"c x2c2 y14d2 w11a h3a\"><div class=\"t m0 x42 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">49,7% </div></td></tr><tr><td class=\"c x174 y14d3 w11b ha5\"><div class=\"t m0 x7 h5 y86a ff4 fs2 fc2 sc0 ls0 ws0\">*) <span class=\"ff9 fs4\">Die bisher i<span class=\"_ _5\"></span>m Segment \u201eSonstige\u201c <span class=\"_ _5\"></span>enthal<span class=\"_ _5\"></span>tene Zuwendun<span class=\"_ _5\"></span>g an die Mit<span class=\"_ _5\"></span>arbeiter<span class=\"ff4\">-Beteiligungsst<span class=\"_ _5\"></span>iftung wird ab d<span class=\"_ _5\"></span>em Gesch\u00e4ftsjah<span class=\"_ _5\"></span>r 2022 den Seg-<span class=\"_ _128\"> </span></span></span></div><div class=\"t m0 x6c h1e y348 ff4 fs4 fc2 sc0 ls0 ws0\">menten Privat<span class=\"_ _5\"></span>, Firmen und Fi<span class=\"_ _5\"></span>nancial Mark<span class=\"_ _5\"></span>ets zugerechn<span class=\"_ _5\"></span>et. Die Vorjahr<span class=\"_ _5\"></span>eswerte f\u00fcr das<span class=\"_ _5\"></span> Jahr 2021 wurde<span class=\"_ _5\"></span>n entsprechend<span class=\"_ _5\"></span> angepasst.<span class=\"fs1\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y14d4 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Barreserve </div></td><td></td><td></td><td class=\"c x2c0 y14d4 w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td><td></td><td class=\"c x2c2 y14d4 w11a h12\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">4.400.915 </div></td></tr><tr><td class=\"c x174 y14d5 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kredit<span class=\"_ _0\"></span>institute </div></td><td></td><td></td><td class=\"c x2c0 y14d5 w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td><td></td><td class=\"c x2c2 y14d5 w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">873.561 </div></td></tr><tr><td class=\"c x174 y14d6 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden </div></td><td class=\"c x2be y14d6 w116 hc\"><div class=\"t m0 x88 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.017.509 </div></td><td class=\"c x2bf y14d6 w117 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">14.410.418 </div></td><td></td><td></td><td class=\"c x2c2 y14d6 w11a hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">18.427.927 </div></td></tr><tr><td class=\"c x174 y14d7 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Handelsaktiva </div></td><td></td><td></td><td class=\"c x2c0 y14d7 w118 hc\"><div class=\"t m0 xfd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td><td></td><td class=\"c x2c2 y14d7 w11a hc\"><div class=\"t m0 x15 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">37.380 </div></td></tr><tr><td class=\"c x174 y14d8 w115 hc\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzanlagen </div></td><td></td><td></td><td class=\"c x2c0 y14d8 w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td><td></td><td class=\"c x2c2 y14d8 w11a hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">3.180.410 </div></td></tr><tr><td class=\"c x174 y14d9 w115 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Anteile an at <span class=\"_ _0\"></span>Equity-Unterneh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">men </div></td><td></td><td></td><td class=\"c x2c0 y14d9 w118 h3a\"><div class=\"t m0 x14 h5 y2ef ffd fs2 fc2 sc0 ls0 ws0\">1.000.764<span class=\"ff4\"> </span></div></td><td></td><td class=\"c x2c2 y14d9 w11a h3a\"><div class=\"t m0 x5a h5 y2ef ffd fs2 fc2 sc0 ls0 ws0\">1.000.764<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x174 y14da w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Verm\u00f6genswerte<span class=\"_ _0\"></span> </div></td><td class=\"c x2be y14da w116 hc\"><div class=\"t m0 x4f h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">87.197 </div></td><td class=\"c x2bf y14da w117 hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">325.628 </div></td><td class=\"c x2c0 y14da w118 hc\"><div class=\"t m0 xd h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">103.154 </div></td><td class=\"c x2c1 y14da w119 hc\"><div class=\"t m0 xa6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">103.492 </div></td><td class=\"c x2c2 y14da w11a hc\"><div class=\"t m0 x37 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">619.470 </div></td></tr><tr><td class=\"c x174 y14db w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentverm\u00f6gen </div></td><td class=\"c x2be y14db w116 hc\"><div class=\"t m0 x88 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">4.104.706 </div></td><td class=\"c x2bf y14db w117 hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">14.736.046 </div></td><td class=\"c x2c0 y14db w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">8.595.420 </div></td><td class=\"c x2c1 y14db w119 hc\"><div class=\"t m0 xa6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">103.492 </div></td><td class=\"c x2c2 y14db w11a hc\"><div class=\"t m0 x87 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">27.539.663 </div></td></tr><tr><td class=\"c x174 y14dc w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Kred<span class=\"_ _0\"></span>itinstituten </div></td><td></td><td></td><td class=\"c x2c0 y14dc w118 hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td><td></td><td class=\"c x2c2 y14dc w11a hc\"><div class=\"t m0 x5a h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">5.893.338 </div></td></tr><tr><td class=\"c x174 y14dd w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc. Ku<span class=\"_ _0\"></span>nden </div></td><td class=\"c x2be y14dd w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.508.346 </div></td><td class=\"c x2bf y14dd w117 h12\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">8.220.243 </div></td><td></td><td></td><td class=\"c x2c2 y14dd w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589 </div></td></tr><tr><td class=\"c x174 y14de w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkeiten </div></td><td></td><td></td><td class=\"c x2c0 y14de w118 hc\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td><td></td><td class=\"c x2c2 y14de w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.206.647 </div></td></tr><tr><td class=\"c x174 y14df w115 h2a\"><div class=\"t m0 x7 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">Handelspassiva </div></td><td></td><td></td><td class=\"c x2c0 y14df w118 h2a\"><div class=\"t m0 xfd h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td><td></td><td class=\"c x2c2 y14df w11a h2a\"><div class=\"t m0 x15 h5 y7db ff4 fs2 fc2 sc0 ls0 ws0\">35.539 </div></td></tr><tr><td class=\"c x174 y14e0 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eigen- und Nachr<span class=\"_ _0\"></span>angkapital </div></td><td class=\"c x2be y14e0 w116 hc\"><div class=\"t m0 x13 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">425.255 </div></td><td class=\"c x2bf y14e0 w117 hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">2.273.328 </div></td><td class=\"c x2c0 y14e0 w118 hc\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">1.115.647 </div></td><td></td><td class=\"c x2c2 y14e0 w11a hc\"><div class=\"t m0 x5a h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">3.814.229 </div></td></tr><tr><td class=\"c x174 y14e1 w115 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Schulden </div></td><td class=\"c x2be y14e1 w116 hc\"><div class=\"t m0 x4f h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">42.873 </div></td><td class=\"c x2bf y14e1 w117 hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">272.081 </div></td><td class=\"c x2c0 y14e1 w118 hc\"><div class=\"t m0 xfd h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">34.582 </div></td><td class=\"c x2c1 y14e1 w119 hc\"><div class=\"t m0 xa6 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">511.785 </div></td><td class=\"c x2c2 y14e1 w11a hc\"><div class=\"t m0 x37 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">861.322 </div></td></tr><tr><td class=\"c x174 y14e2 w115 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Segmentschulden </div></td><td class=\"c x2be y14e2 w116 h12\"><div class=\"t m0 x88 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">6.976.474 </div></td><td class=\"c x2bf y14e2 w117 h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">10.765.651 </div></td><td class=\"c x2c0 y14e2 w118 h12\"><div class=\"t m0 x14 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">9.285.752 </div></td><td class=\"c x2c1 y14e2 w119 h12\"><div class=\"t m0 xa6 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">511.785 </div></td><td class=\"c x2c2 y14e2 w11a h12\"><div class=\"t m0 x87 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">27.539.663 </div></td></tr><tr><td class=\"c x174 y14e3 w115 hc\"><div class=\"t m0 x7 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Abschreibungen<span class=\"ff5\"> </span></div></td><td class=\"c x2be y14e3 w116 hc\"><div class=\"t m0 x8c h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">7.952<span class=\"ff5\"> </span></div></td><td class=\"c x2bf y14e3 w117 hc\"><div class=\"t m0 x15 h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">15.170<span class=\"ff5\"> </span></div></td><td class=\"c x2c0 y14e3 w118 hc\"><div class=\"t m0 x35 h6 ydb ff4 fs2 fc2 sc0 ls2 ws0\">262<span class=\"ff5 ls0\"> </span></div></td><td class=\"c x2c1 y14e3 w119 hc\"><div class=\"t m0 x4f h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">6.093<span class=\"ff5\"> </span></div></td><td class=\"c x2c2 y14e3 w11a hc\"><div class=\"t m0 x15 h6 ydb ff4 fs2 fc2 sc0 ls0 ws0\">29.477<span class=\"ff5\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-492": {
   "value": "<table class=\"s w2d4 h1d9\" id=\"_16673d83-9fd1-4410-a492-e0097289ce8d\"><tr><td class=\"c x174 y14e4 wb1 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">35) Als Sicherheit gestellte Ver<span class=\"_ _0\"></span>m\u00f6gensgegenst\u00e4nde<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e4 w74 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y14e4 w82 hc\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y14e5 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr M\u00fcndelgeldspar<span class=\"_ _0\"></span>einlagen </div></td><td class=\"c x1e7 y14e5 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.996 </div></td><td class=\"c x1e8 y14e5 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.152 </div></td></tr><tr><td class=\"c x174 y14e6 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr fund<span class=\"_ _0\"></span>ierte Bankschuldverschreibungen<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e6 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.766 </div></td><td class=\"c x1e8 y14e6 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.766 </div></td></tr><tr><td class=\"c x174 y14e7 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deckungsstock f\u00fcr hypoth<span class=\"_ _0\"></span>ekarisch fundierte Bankschuldverschreib. <span class=\"_ _0\"></span>(Liqu<span class=\"_ _0\"></span>idit\u00e4tspuffer) </div></td><td class=\"c x1e7 y14e7 w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.496.781 </div></td><td class=\"c x1e8 y14e7 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.606.570 </div></td></tr><tr><td class=\"c x174 y14e8 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Margindeckung bzw<span class=\"_ _0\"></span>. Arrangement-Kaution f\u00fcr<span class=\"_ _0\"></span> Wertpapiergesch\u00e4fte und Derivate<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14e8 w74 hf\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">241.415 </div></td><td class=\"c x1e8 y14e8 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.319 </div></td></tr><tr><td class=\"c x174 y14e9 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sicherstellung f\u00fcr Euroclear<span class=\"_ _0\"></span>-Kreditlinie </div></td><td class=\"c x1e7 y14e9 w74 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1e8 y14e9 w82 hf\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y14ea wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sicherstellung f\u00fcr EIB<span class=\"_ _0\"></span>-Globaldarlehensgew\u00e4hrun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y14ea w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.861 </div></td><td class=\"c x1e8 y14ea w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">93.856 </div></td></tr><tr><td class=\"c x174 y14eb wb1 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere und Ford<span class=\"_ _0\"></span>erungen f\u00fcr Refinanzierungsgesch\u00e4fte mit der OeNB<span class=\"_ _0\"></span> </div></td><td class=\"c x1e7 y14eb w74 hd\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">792.081 </div></td><td class=\"c x1e8 y14eb w82 hd\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.392.523 </div></td></tr><tr><td class=\"c x178 y14ec w3ad h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere als Sicherstellung f\u00fcr<span class=\"_ _0\"></span> das Refinanzierungsprogramm mit der un<span class=\"_ _0\"></span>garischen<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x178 y14ed w3ae h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Nationalbank<span class=\"_ _128\"> </span></div></td><td class=\"c x1e7 y14ee w74 h28\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">103.196 </div></td><td class=\"c x1e8 y14ee w82 h28\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">115.123 </div></td></tr><tr><td class=\"c x174 y14ef wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An die Oesterreichische Kontro<span class=\"_ _0\"></span>llbank (OeKB) zedierte Forderu<span class=\"_ _0\"></span>ngen </div></td><td class=\"c x1e7 y14ef w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.486.805 </div></td><td class=\"c x1e8 y14ef w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.425.392 </div></td></tr><tr><td class=\"c x174 y14f0 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An deutsche F\u00f6rderb<span class=\"_ _0\"></span>anken zedierte Forderungen </div></td><td class=\"c x1e7 y14f0 w74 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.263.763 </div></td><td class=\"c x1e8 y14f0 w82 hf\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.424.743 </div></td></tr><tr><td class=\"c x174 y14f1 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">An die ungarische Nationalb<span class=\"_ _0\"></span>ank und an F\u00f6rderbanken in Ungarn zedierte Forderungen<span class=\"_ _1\"></span> </div></td><td class=\"c x1e7 y14f1 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">71.632 </div></td><td class=\"c x1e8 y14f1 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.884 </div></td></tr><tr><td class=\"c x174 y14f2 wb1 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wertpapiere zur Deckun<span class=\"_ _0\"></span>g der Pensionsr\u00fcckstellun<span class=\"_ _0\"></span>g </div></td><td class=\"c x1e7 y14f2 w74 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.111 </div></td><td class=\"c x1e8 y14f2 w82 hf\"><div class=\"t m0 x3f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.085 </div></td></tr><tr><td class=\"c x174 y14f3 wb1 h44\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Aktivposten als Sicherheitsleistun<span class=\"_ _0\"></span>g f\u00fcr die CCP Austria GmbH als Clearing-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stelle f\u00fcr B\u00f6rsengesch\u00e4fte </div></td><td class=\"c x1e7 y14f3 w74 h44\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">406<span class=\"ls0\"> </span></div></td><td class=\"c x1e8 y14f3 w82 h44\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td></tr></table><div class=\"c wb1 hf gs1f9\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Als Sicherheit gestellte Verm\u00f6gensgegenst\u00e4nd<span class=\"_ _0\"></span>e<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs1fa\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.638.812<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs1fb\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.285.880<span class=\"_ _128\"> </span> </div></div><div class=\"c w3 h3 gs1fc\"><div class=\"t m0 x3 h17 y880 ff4 fs4 fc2 sc0 ls0 ws0\">Die Stell<span class=\"_ _5\"></span>ung von Sicherhe<span class=\"_ _5\"></span>iten erfolgt nach de<span class=\"_ _5\"></span>n handels\u00fc<span class=\"_ _5\"></span>blichen oder gese<span class=\"_ _5\"></span>tzlichen Be<span class=\"_ _5\"></span>stimmungen.<span class=\"fsc\"> </span></div></div>Sicherheiten<span class=\"_ _128\"> </span>Strategien und Prozesse bzgl. Bewertung und Managemen<span class=\"_ _0\"></span>t von Sicherheiten<span class=\"_ _0\"></span> Die Hereinnahme von Kredit<span class=\"_ _0\"></span>sicherheiten sowie deren Management werden als bedeut<span class=\"_ _0\"></span>ender Bestandteil des <span class=\"_ _0\"></span> Kreditrisikomanagements in<span class=\"_ _0\"></span> der Oberbank AG angesehen. Die Gestion de<span class=\"_ _0\"></span>s Kr<span class=\"_ _0\"></span>editgesch\u00e4ftes \u00fcber die Unterdeckung st<span class=\"_ _0\"></span>ellt<span class=\"_ _128\"> </span>hohe Anforderungen an<span class=\"_ _0\"></span> die aktuelle und richtige Bewertung von Sicherheiten. <span class=\"_ _1\"></span> Daher ist die Sicherheitenverwaltung im ge-<span class=\"_ _128\"> </span>samten Oberbank Konzern<span class=\"_ _0\"></span> organisatorisch vom Vertrieb getrennt und erfolgt f\u00fcr \u00d6st<span class=\"_ _0\"></span>erreich <span class=\"_ _0\"></span>und Deutschland ausschlie\u00dflich<span class=\"_ _128\"> </span>in der eigenen Tochtergesellschaft, d<span class=\"_ _0\"></span>er Oberbank Service GmbH. F\u00fcr Tschechien, d<span class=\"_ _0\"></span>ie Slowakei und Ungarn erfolgt d<span class=\"_ _0\"></span>ie Sicher-<span class=\"_ _128\"> </span>heitenverwaltung in den zent<span class=\"_ _0\"></span>ralen Marktfolgeeinheiten in Budweis und Budapest. Die geltenden Verwalt<span class=\"_ _0\"></span>ungs<span class=\"_ _0\"></span>grunds\u00e4<span class=\"_ _0\"></span>tze<span class=\"_ _128\"> </span>gew\u00e4hrleisten eine rechtlich einwandfr<span class=\"_ _0\"></span>eie Begr\u00fcndung der Kreditsicherheiten so<span class=\"_ _0\"></span>wie alle erforderlichen Voraussetzun<span class=\"_ _0\"></span>gen zur<span class=\"_ _128\"> </span>raschen Durchsetzung d<span class=\"_ _0\"></span>er Anspr\u00fcche bei Bedarf.<span class=\"_ _128\"> </span>In der zentralen Fachabt<span class=\"_ _0\"></span>eilung f\u00fcr rechtliche Fragen <span class=\"_ _0\"></span>Kredit-Management / <span class=\"_ _0\"></span>Finanzierungsrecht liegt die Verantwortun<span class=\"_ _0\"></span>g f\u00fcr<span class=\"_ _128\"> </span>die Erstellung von stan<span class=\"_ _0\"></span>dardisierten Sicherheitenvertr\u00e4gen und <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span>dokumenten, die generell Anwend<span class=\"_ _0\"></span>ung finden. Die Verwal-<span class=\"_ _128\"> </span>tung der Kreditsicherh<span class=\"_ _0\"></span>eiten umfasst sowohl einen materiellen als auch einen for<span class=\"_ _0\"></span>mellen Aspekt, wobei die erforderlichen<span class=\"_ _128\"> </span>T\u00e4tigkeiten entsprechend d<span class=\"_ _0\"></span>en einzelnen Sicherheitenkategor<span class=\"_ _0\"></span>ien genau definiert sind.<span class=\"_ _128\"> </span>Bei den hypothekarisch b<span class=\"_ _0\"></span>esicherten Krediten wird dem Regionalit\u00e4tsprinzip ent<span class=\"_ _0\"></span>sprechend auf Sicherheiten in den f\u00fcnf L\u00e4n<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>dern unserer Filialen abgestellt. Bei Sachsicherheiten gilt gener<span class=\"_ _0\"></span>ell, dass die Finan<span class=\"_ _0\"></span>zierungsdauer m<span class=\"_ _0\"></span>it der wirtschaftlichen Nut-<span class=\"_ _128\"> </span>zungsdauer im Einklang st<span class=\"_ _0\"></span>ehen muss. Die materielle Werthaltigkeit der Sicherheit und d<span class=\"_ _0\"></span>ie M\u00f6glichkeit der raschen Verwert-<span class=\"_ _128\"> </span>barkeit stellen wichtige Pr\u00fcfpunkt<span class=\"_ _0\"></span>e dar. Bei pers\u00f6nlichen Sicherheiten d\u00fcrfen keine w<span class=\"_ _0\"></span>esentlichen Risikokorrel<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>ionen zwi-<span class=\"_ _128\"> </span>schen SicherheitengeberInnen und<span class=\"_ _0\"></span> KreditnehmerInnen bestehen. Bei Leasingfinanzierungen muss ein allf\u00e4llig vereinbart<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Restwert niedriger oder maximal gleich hoch sein w<span class=\"_ _0\"></span>ie der bei Ablauf d<span class=\"_ _0\"></span>er Finanzierung erwartete Marktwert.<span class=\"_ _0\"></span> F\u00fcr jede Sicherheitenart<span class=\"_ _0\"></span> gibt es eine in Bezug auf Objektivit\u00e4t<span class=\"_ _0\"></span> und Aktualit\u00e4t verbindlich vorgeschriebene Er<span class=\"_ _0\"></span>mittlung des no-<span class=\"_ _128\"> </span>minellen Wertes, der als Berechn<span class=\"_ _0\"></span>ungsbasis f\u00fcr die zur internen Risikosteuerung festgelegten Deckungsw<span class=\"_ _0\"></span>ertans\u00e4tze und f\u00fcr<span class=\"_ _128\"> </span>die Kreditrisikominderungsan<span class=\"_ _0\"></span>s\u00e4tze im Rahmen von<span class=\"_ _0\"></span> Basel III dient. Die internen Deckungswertans\u00e4tze sind<span class=\"_ _0\"></span> Maximal-Werte,<span class=\"_ _128\"> </span>die zur Ermittlung der Unterd<span class=\"_ _0\"></span>eckung f\u00fchren. In begr\u00fcndeten E<span class=\"_ _0\"></span>inzelf\u00e4llen kann die Bewertung einer Sicherheit von d<span class=\"_ _0\"></span>en jewei-<span class=\"_ _128\"> </span>ligen Kompetenztr\u00e4gerInnen<span class=\"_ _0\"></span> nach unten korrigiert<span class=\"_ _0\"></span> werden. Eine h\u00f6here Bewertung ist ebenfalls nur<span class=\"_ _0\"></span> in begr\u00fcndeten Ausnah-<span class=\"_ _128\"> </span>mef\u00e4llen durch die Markt<span class=\"_ _0\"></span>folge m\u00f6glich.<span class=\"_ _128\"> </span>Die aktuellen Bewertun<span class=\"_ _0\"></span>gsgrunds\u00e4tze resultieren aus den Sch\u00e4tzungen der Forderun<span class=\"_ _0\"></span>gsbetreibung auf Basis der bisherigen<span class=\"_ _128\"> </span>Verwertungserfahrungen. D<span class=\"_ _0\"></span>ie Bewertungsans\u00e4tze werd<span class=\"_ _0\"></span>en j\u00e4hrlich im Rahmen der LGD Validierung gepr\u00fcft und gegebenen-<span class=\"_ _128\"> </span>falls angepasst. Der im Bewertungsansat<span class=\"_ _0\"></span>z inkludierte Abschlag ber\u00fccksichtigt d<span class=\"_ _0\"></span>as Bewertungs<span class=\"_ _0\"></span>- und V<span class=\"_ _0\"></span>erwertungsrisiko, die<span class=\"_ _128\"> </span>Kosten der Verwertung sowie den d<span class=\"_ _0\"></span>urch die Verwertungs<span class=\"_ _0\"></span>dauer der jeweiligen Sicherheit entst<span class=\"_ _0\"></span>ehenden Zinseffekt.<span class=\"_ _0\"></span> Die Aktualit\u00e4t der Sicherheitenwerte w<span class=\"_ _0\"></span>ird bei finanziellen Sicherheiten \u00fcber die laufende Einspielung d<span class=\"_ _0\"></span>er Marktwerte sicher-<span class=\"_ _128\"> </span>gestellt, bei hypothekarischen Sicherheiten erfolgt d<span class=\"_ _0\"></span>ie Expertensch\u00e4tzung ge<span class=\"_ _0\"></span>m\u00e4\u00df d<span class=\"_ _0\"></span>en Mindesterfordernissen, die im umfas-<span class=\"_ _128\"> </span>senden Sicherheitenbewertun<span class=\"_ _0\"></span>gsansatz in der CRR definiert sind.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Generell werden bei intern verwendeten<span class=\"_ _0\"></span> Sicherheiten die gleichen strikten Qualit\u00e4tsanforderungen in<span class=\"_ _0\"></span> Bezug auf Aktualit\u00e4t<span class=\"_ _128\"> </span>und Durchsetzbarkeit angewan<span class=\"_ _0\"></span>dt wie bei Sicherheiten, d<span class=\"_ _0\"></span>ie unter der CRR II bei der Ermittlung des Eigenmittelerfordern<span class=\"_ _0\"></span>isse<span class=\"_ _128\"> </span>s<span class=\"_ _128\"> </span>f\u00fcr das Kreditgesch\u00e4ft zur Anr<span class=\"_ _0\"></span>echnung kommen.<span class=\"_ _128\"> </span>Die \u00dcbernahme von Pfandliegensch<span class=\"_ _0\"></span>aften nimmt generell eine unt<span class=\"_ _0\"></span>ergeordnete Rolle ein. In den ausgewiesenen finanziel<span class=\"_ _1\"></span>len<span class=\"_ _128\"> </span>Verm\u00f6genswerten per 31.12.2022 befinden s<span class=\"_ _0\"></span>ich (wie auch im Vorjahr) keine \u00fcbernommenen Pfan<span class=\"_ _0\"></span>dliegenschaften. Diese<span class=\"_ _128\"> </span>werden von der Ob<span class=\"_ _0\"></span>erbank AG nur dann erworben, wenn Verkaufshemmnisse die sofo<span class=\"_ _0\"></span>rtige Verwertung einer Liegenschaft<span class=\"_ _128\"> </span>mit einem angemessenen Verw<span class=\"_ _0\"></span>ertungserl\u00f6s unm\u00f6glich machen (z. <span class=\"_ _0\"></span>B. im Rahmen einer Versteigerung bzw. im Freihandver-<span class=\"_ _128\"> </span>kauf). Es ist immer das<span class=\"_ _0\"></span> erkl\u00e4rte Ziel, die urspr\u00fcnglich bestehenden Verkaufsh<span class=\"_ _0\"></span>emmnisse zu beseitigen, um anschlie\u00dfend das<span class=\"_ _128\"> </span>Objekt schnellstm\u00f6glich und<span class=\"_ _0\"></span> ordnungsgem\u00e4\u00df weiterzu<span class=\"_ _0\"></span>ver\u00e4u\u00dfern. Eine Verwendung f\u00fcr<span class=\"_ _0\"></span> den Gesch\u00e4ftsbetrieb erfolgt nicht.<span class=\"_ _128\"> </span>In der Berichtsperiode wurd<span class=\"_ _0\"></span>en keine Sic<span class=\"_ _5\"></span>herheiten verwert<span class=\"_ _0\"></span>et, die die Ansatzkriterien nach IFRS erf\u00fcllen.<span class=\"_ _1\"></span> Arten von Sicherheiten<span class=\"_ _128\"> </span>Die wesentlichen Sicherheiten sind Hyp<span class=\"_ _0\"></span>otheken auf Wohnimmob<span class=\"_ _0\"></span>ilien un<span class=\"_ _0\"></span>d kommerziell genutzte Immobilien, finanzielle Si-<span class=\"_ _128\"> </span>cherheiten (Bareinlagen, Schuldverschreibu<span class=\"_ _0\"></span>ngen und Aktien) sowie pers\u00f6nliche Sicherheiten (Haft<span class=\"_ _0\"></span>ungen, B\u00fcrgschaften, Ga-<span class=\"_ _128\"> </span>rantien). Die Sicherheiten (exklusive p<span class=\"_ _0\"></span>ers\u00f6nliche Sicherheiten) k\u00f6nn<span class=\"_ _0\"></span>en zu einem \u00fc<span class=\"_ _0\"></span>berwiegenden Anteil von 93,45 % (V<span class=\"_ _0\"></span>orjah<span class=\"_ _128\"> </span>r<span class=\"_ _128\"> </span>92,56 %) der Forderun<span class=\"_ _0\"></span>gsart \u201eKredite und Forderungen\u201c zugerechnet w<span class=\"_ _0\"></span>erden, der Rest entf\u00e4llt zu 6,55 % (Vorjahr<span class=\"_ _0\"></span>: 7,44 %) a<span class=\"_ _128\"> </span>u<span class=\"_ _128\"> </span>die \u201eKreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Die in den Tabellen ausgew<span class=\"_ _0\"></span>iesenen Werte stellen die im Rahmen d<span class=\"_ _0\"></span>er Quantifizierung der Kreditrisiken im ICAAP <span class=\"_ _0\"></span>verwende-<span class=\"_ _128\"> </span>ten besicherten Forderun<span class=\"_ _0\"></span>gswerte dar.<table class=\"s w407 h1f3\" id=\"_4ae083df-3062-4fd2-811e-20d6f82bb132\"><tr><td class=\"c x322 y1606 w154 h37\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x323 y1606 w155 h37\" colspan=\"2\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungswert<span class=\"_ _0\"></span> </div></td></tr><tr><td class=\"c x322 y1607 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheitenkategorie </div></td><td class=\"c x323 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y1608 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Sicherheiten </div></td><td class=\"c x323 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.397.867<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.218.253<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y1609 w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bareinlagen </div></td><td class=\"c x323 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.322.687 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.100.042 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160a w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x323 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">18.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">29.711 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160b w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsl. WP </div></td><td class=\"c x323 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">56.665 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">88.500 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160c w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Immobiliensicherheiten </div></td><td class=\"c x323 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">7.060.092<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.846.874<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160d w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wohnimmobilien </div></td><td class=\"c x323 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.654.233 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.508.448 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160e w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewerbeimmobilien </div></td><td class=\"c x323 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.405.859 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.338.426 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160f w154 h39\"><div class=\"t m0 x0 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> Sachsicherheiten </div></td><td class=\"c x323 y160f w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.102.516<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160f w156 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">863.869<span class=\"ls0\"> </span></div></td></tr></table>Die pers\u00f6nlichen Sicherheiten beschr\u00e4nken<span class=\"_ _0\"></span> sich auf Haftungen, B\u00fcrgschaften un<span class=\"_ _0\"></span>d Garantien. Die wichtigsten sechs Garanti<span class=\"_ _128\"> </span>e-<span class=\"_ _128\"> </span>geber, die 85,26% (Vorjahr: 83,51%) am gesamten Vo<span class=\"_ _0\"></span>lumen der <span class=\"_ _0\"></span>pers\u00f6nlichen Sicherheiten d<span class=\"_ _0\"></span>arstellen, sind nachstehend<span class=\"_ _0\"></span> au<span class=\"_ _128\"> </span>f-<span class=\"_ _128\"> </span>gelistet.<table class=\"s w408 h1f4\" id=\"_8d86e789-b7a3-4d75-b4f3-2cab2cbecf39\"><tr><td class=\"c x178 y1610 w409 h1f5\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x326 y1611 w15b haf\"><div class=\"t m0 x6c h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x327 y1610 w40a h1f5\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x328 y1611 w15d haf\"><div class=\"t m0 x37 h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y1612 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x329 y1612 w40b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y1613 w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y1613 w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.100.451 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y1613 w15f h26\"><div class=\"t m0 x37 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x32b y1614 w161 haa\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x32c y1614 wbf haa\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1614 w162 haa\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">626.164 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1614 w163 haa\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">56,9% </div></td></tr><tr><td class=\"c x32b y1615 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x32c y1615 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1615 w162 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">193.372 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1615 w163 h26\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">17,6% </div></td></tr><tr><td class=\"c x32b y1616 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x32c y1616 wbf h26\"><div class=\"t m0 x42 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"ls2c\">AA+</span> </div></td><td class=\"c x32d y1616 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">38.123 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1616 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,5% </div></td></tr><tr><td class=\"c x32b y1617 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Landeshaupt<span class=\"_ _0\"></span>stadt Graz </div></td><td></td><td class=\"c x32d y1617 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">30.000 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1617 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,7% </div></td></tr><tr><td class=\"c x32b y1618 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayer<span class=\"_ _0\"></span>n </div></td><td class=\"c x32c y1618 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1618 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">26.082 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1618 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,4% </div></td></tr><tr><td class=\"c x32b y1619 w161 h26\"><div class=\"t m0 x13 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat Tsch<span class=\"_ _0\"></span>echien </div></td><td class=\"c x32c y1619 wbf h26\"><div class=\"t m0 x11 h5 y9b6 ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32d y1619 w162 h26\"><div class=\"t m0 xd2 h5 y9b6 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">24.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1619 w163 h26\"><div class=\"t m0 xf8 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">2,2% </div></td></tr></table><table class=\"s w40c h1f6\" id=\"_29ad48a1-d825-427b-ad98-e22610349fad\"><tr><td class=\"c x178 y161a w409 h1f7\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x2ff y161b w167 hc0\"><div class=\"t m0 x60 h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x32f y161a w40d h1f7\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter For-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f5 y161b w169 hc0\"><div class=\"t m0 x3f h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y161c w2f5 h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x330 y161c w40e h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">derungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y161d w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y161d w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.163.434 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y161d w15d h26\"><div class=\"t m0 x4d h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x331 y161e w16b h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x326 y161e w15b h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161e w15c h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">601.919 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161e w15d h26\"><div class=\"t m0 x10 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">51,7% </div></td></tr><tr><td class=\"c x331 y161f w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x326 y161f w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161f w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">161.708 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161f w15d hc1\"><div class=\"t m0 x10 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">13,9% </div></td></tr><tr><td class=\"c x331 y1620 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. COVID-19 Finanzierungsagent<span class=\"_ _0\"></span>ur </div></td><td></td><td class=\"c x32a y1620 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">82.950 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1620 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">7,1% </div></td></tr><tr><td class=\"c x331 y1621 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat T<span class=\"_ _0\"></span>schechien </div></td><td class=\"c x326 y1621 w15b hc1\"><div class=\"t m0 x42 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32a y1621 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">43.683 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1621 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,8% </div></td></tr><tr><td class=\"c x331 y1622 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayern<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1622 w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1622 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">41.323 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1622 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,6% </div></td></tr><tr><td class=\"c x331 y1623 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1623 w15b hc1\"><div class=\"t m0 xf8 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1623 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">40.056 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1623 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,4% </div></td></tr></table><table class=\"s w442 h209\" id=\"_2d2ef00f-c273-405b-a14b-f243010e7435\"><tr><td class=\"c x178 y16b7 w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16b8 w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16b9 w191 h39\" colspan=\"2\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td class=\"c x178 y16ba w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16bb w444 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16bc w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16bc w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16bc w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16bd w445 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16be w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x35d y16be we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.643 </div></td><td class=\"c x359 y16be w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">520<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16be w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">133<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16be w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">902<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16bf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16bf we h37\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16bf w192 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16bf w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16bf w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16c0 w190 h38\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16c0 we h38\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.443 </div></td><td class=\"c x359 y16c0 w192 h38\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">31.829 </div></td><td class=\"c x205 y16c0 w193 h38\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.236 </div></td><td class=\"c x35b y16c0 w54 h38\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">82.917 </div></td></tr><tr><td class=\"c x174 y16c1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16c1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.424 </div></td><td class=\"c x359 y16c1 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c1 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c1 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.585 </div></td></tr><tr><td class=\"c x174 y16c2 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16c2 we h3a\"><div class=\"t m0 xd h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">427<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16c2 w192 h3a\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">102<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c2 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c2 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">234<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16c3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16c3 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x359 y16c3 w192 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.614 </div></td><td class=\"c x205 y16c3 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.655 </div></td><td class=\"c x35b y16c3 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.946 </div></td></tr><tr><td class=\"c x174 y16c4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16c4 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.145 </div></td><td class=\"c x359 y16c4 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.363 </div></td><td class=\"c x205 y16c4 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.888 </div></td><td class=\"c x35b y16c4 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.019 </div></td></tr><tr><td class=\"c x174 y16c5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16c5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.709 </div></td><td class=\"c x359 y16c5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.539 </div></td><td class=\"c x205 y16c5 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">840<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.805 </div></td></tr><tr><td class=\"c x174 y16c6 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16c6 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.549 </div></td><td class=\"c x359 y16c6 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.028 </div></td><td class=\"c x205 y16c6 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.622 </div></td><td class=\"c x35b y16c6 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.238 </div></td></tr><tr><td class=\"c x174 y16c7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16c7 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.380 </div></td><td class=\"c x359 y16c7 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">639<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c7 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">13<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c7 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.217 </div></td></tr></table><table class=\"s w442 h20a\" id=\"_9710281b-a7f9-452c-9e4e-8a8ea5edff0b\"><tr><td class=\"c x178 y16c8 w446 h20b\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div></td><td class=\"c x35d y16c9 we ha0\"><div class=\"t m0 x14 h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.405 </div></td><td></td><td class=\"c x205 y16c9 w193 ha0\"><div class=\"t m0 x94 h5 ya24 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c9 w54 ha0\"><div class=\"t m0 x2f h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.019 </div></td></tr><tr><td class=\"c x178 y16ca w447 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">tungen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x359 y16c9 w192 ha0\"><div class=\"t m0 x34 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">366<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y16cb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswe-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16cb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">50.495 </div></td><td class=\"c x359 y16cb w192 h3a\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.962 </div></td><td class=\"c x205 y16cb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">4.060 </div></td><td class=\"c x35b y16cb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">31.679 </div></td></tr><tr><td class=\"c x174 y16cc w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16cc we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">66.814 </div></td><td class=\"c x359 y16cc w192 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.394 </div></td><td class=\"c x205 y16cc w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">544<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cc w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">30.922 </div></td></tr><tr><td class=\"c x174 y16cd w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16cd we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">10.190 </div></td><td class=\"c x359 y16cd w192 h3a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.064 </div></td><td class=\"c x205 y16cd w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cd w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.501 </div></td></tr><tr><td class=\"c x174 y16ce w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ce we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ce w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ce w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ce w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16cf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x35d y16cf we h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">307<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16cf w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">176<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16cf w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cf w54 h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">116<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16d0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.269 </div></td><td class=\"c x359 y16d0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">496<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d0 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.317 </div></td></tr><tr><td class=\"c x174 y16d1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16d1 we h3b\"><div class=\"t m0 xd h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">988<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d1 w192 h3b\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">421<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d1 w193 h3b\"><div class=\"t m0 xad h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d1 w54 h3b\"><div class=\"t m0 x40 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">489<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16d2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.907 </div></td><td class=\"c x359 y16d2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.288 </div></td></tr><tr><td class=\"c x174 y16d3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16d3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.934 </div></td><td class=\"c x359 y16d3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.304 </div></td><td class=\"c x205 y16d3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">486<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.300 </div></td></tr><tr><td class=\"c x174 y16d4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x35d y16d4 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16d4 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16d4 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d4 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16d5 w448 h20c\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16d6 w193 ha0\"><div class=\"t m0 x30 h5 ya2e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x178 y16d7 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16d8 w190 h37\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16d8 we h37\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d8 w192 h37\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d8 w193 h37\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d8 w54 h37\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y16d9 w3fc h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16da w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16db w191 h39\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y16dc w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16dd w444 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16de w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16de w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16de w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16df w445 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16e0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x35d y16e0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.012 </div></td><td class=\"c x359 y16e0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e0 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.267 </div></td></tr><tr><td class=\"c x174 y16e1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16e1 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16e1 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16e1 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16e1 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16e2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16e2 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">89.886 </div></td><td class=\"c x359 y16e2 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.634 </div></td><td class=\"c x205 y16e2 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.647 </div></td><td class=\"c x35b y16e2 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.999 </div></td></tr><tr><td class=\"c x174 y16e3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16e3 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505 </div></td><td class=\"c x359 y16e3 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">483<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e3 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e3 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.183 </div></td></tr><tr><td class=\"c x174 y16e4 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16e4 we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">1.469 </div></td><td class=\"c x359 y16e4 w192 h3a\"><div class=\"t m0 x34 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">247<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e4 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e4 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">804<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16e5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16e5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.649 </div></td><td class=\"c x359 y16e5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.100 </div></td><td class=\"c x205 y16e5 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.753 </div></td><td class=\"c x35b y16e5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.839 </div></td></tr><tr><td class=\"c x174 y16e6 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16e6 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.123 </div></td><td class=\"c x359 y16e6 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.304 </div></td><td class=\"c x205 y16e6 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.672 </div></td><td class=\"c x35b y16e6 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.709 </div></td></tr><tr><td class=\"c x174 y16e7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16e7 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">26.247 </div></td><td class=\"c x359 y16e7 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.764 </div></td><td class=\"c x205 y16e7 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">273<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e7 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.785 </div></td></tr><tr><td class=\"c x174 y16e8 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16e8 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.744 </div></td><td class=\"c x359 y16e8 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.144 </div></td><td class=\"c x205 y16e8 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.671 </div></td><td class=\"c x35b y16e8 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.681 </div></td></tr><tr><td class=\"c x174 y16e9 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16e9 we h3c\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.959 </div></td><td class=\"c x359 y16e9 w192 h3c\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.866 </div></td><td class=\"c x205 y16e9 w193 h3c\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e9 w54 h3c\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.061 </div></td></tr><tr><td class=\"c x174 y16ea w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ea we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.847 </div></td><td class=\"c x359 y16ea w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">357<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ea w193 h3b\"><div class=\"t m0 x94 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">61<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ea w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.431 </div></td></tr><tr><td class=\"c x174 y16eb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls32 ws0\">L <span class=\"ls0\">Grundst\u00fc<span class=\"_ _0\"></span>cks- und Wohnungswe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16eb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">46.507 </div></td><td class=\"c x359 y16eb w192 h3a\"><div class=\"t m0 xf9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">15.481 </div></td><td class=\"c x205 y16eb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">7.107 </div></td><td class=\"c x35b y16eb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">28.350 </div></td></tr><tr><td class=\"c x174 y16ec w190 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ec we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">43.713 </div></td><td class=\"c x359 y16ec w192 h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">16.342 </div></td><td class=\"c x205 y16ec w193 h3b\"><div class=\"t m0 x6 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.392 </div></td><td class=\"c x35b y16ec w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.029 </div></td></tr><tr><td class=\"c x174 y16ed w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16ed we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">8.698 </div></td><td class=\"c x359 y16ed w192 h3a\"><div class=\"t m0 x2d h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">2.396 </div></td><td class=\"c x205 y16ed w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">389<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ed w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.660 </div></td></tr><tr><td class=\"c x174 y16ee w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ee we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ee w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ee w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ee w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16ef w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und U<span class=\"_ _0\"></span>nterricht </div></td><td class=\"c x35d y16ef we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">540<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ef w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">158<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ef w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ef w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">365<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16f0 we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">137<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f0 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x35b y16f0 w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16f1 we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.686 </div></td><td class=\"c x359 y16f1 w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">948<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f1 w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f1 w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.984 </div></td></tr><tr><td class=\"c x174 y16f2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16f2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.051 </div></td><td class=\"c x359 y16f2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">634<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">32<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.318 </div></td></tr><tr><td class=\"c x174 y16f3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16f3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.133 </div></td><td class=\"c x359 y16f3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.928 </div></td><td class=\"c x205 y16f3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">318<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.255 </div></td></tr><tr><td class=\"c x174 y16f4 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>ionen </div></td><td class=\"c x35d y16f4 we h3c\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16f4 w192 h3c\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16f4 w193 h3c\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16f4 w54 h3c\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16f5 w448 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16f6 w193 h3b\"><div class=\"t m0 x30 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">75.776 </div></td><td></td></tr><tr><td class=\"c x178 y16f7 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16f8 w190 h39\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16f8 we h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f8 w192 h39\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f8 w193 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f8 w54 h39\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w44a h20d\" id=\"_9e698291-df94-445b-a8b6-750dffe19edd\"><tr><td></td><td class=\"c x35e y16f9 w44b h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fa we3 h3e\" colspan=\"2\"><div class=\"t m0 x11 h6 ya45 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td></td><td class=\"c x360 y16fb w44c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x361 y16fc w3f8 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x362 y16fd w44d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fe w54 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y16fe w10 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y16fe w54 h43\"><div class=\"t m0 x5b h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x361 y16ff w44e h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1700 w197 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1700 w196 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">229.534 </div></td><td class=\"c x367 y1700 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.349 </div></td><td class=\"c x368 y1700 w10 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.079 </div></td><td class=\"c x369 y1700 w54 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">126.144 </div></td></tr><tr><td class=\"c x365 y1701 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1701 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.555 </div></td><td class=\"c x367 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.097 </div></td><td class=\"c x368 y1701 w10 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.319 </div></td><td class=\"c x369 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.939 </div></td></tr><tr><td class=\"c x365 y1702 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1702 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.682 </div></td><td class=\"c x367 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.295 </div></td><td class=\"c x368 y1702 w10 h12\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.838 </div></td><td class=\"c x369 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.075 </div></td></tr><tr><td class=\"c x365 y1703 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1703 w196 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">382<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1703 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">189<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1703 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x369 y1703 w54 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">31<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x365 y1704 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1704 w196 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x367 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x368 y1704 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1705 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1705 w196 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.170 </div></td><td class=\"c x367 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.831 </div></td><td class=\"c x368 y1705 w10 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.304 </div></td></tr><tr><td class=\"c x178 y1706 w44f h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuorden<span class=\"_ _0\"></span>bare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1707 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1708 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x365 y1709 w197 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y1709 w196 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1709 w10 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x36a y170a w44b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170b w19a h34\"><div class=\"t m0 x4d h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x36c y170c w44c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x36d y170d w3f8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x36e y170e w44d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170f w122 h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y170f w19b h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y170f we1 h7f\"><div class=\"t m0 x37 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x36d y1710 w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1711 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1711 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.970 </div></td><td class=\"c x367 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.121 </div></td><td class=\"c x368 y1711 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.803 </div></td><td class=\"c x369 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.098 </div></td></tr><tr><td class=\"c x365 y1712 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1712 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">112.775 </div></td><td class=\"c x367 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.844 </div></td><td class=\"c x368 y1712 w10 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.132 </div></td><td class=\"c x369 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.070 </div></td></tr><tr><td class=\"c x365 y1713 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1713 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.361 </div></td><td class=\"c x367 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.004 </div></td><td class=\"c x368 y1713 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.811 </div></td><td class=\"c x369 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.268 </div></td></tr><tr><td class=\"c x365 y1714 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1714 w196 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">76<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1714 w54 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">71<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1714 w10 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1714 w54 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1715 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1715 w196 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x368 y1715 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1716 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1716 w196 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.052 </div></td><td class=\"c x367 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1716 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1717 w450 h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuo<span class=\"_ _0\"></span>rdenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1718 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1719 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.119 </div></td><td></td></tr><tr><td class=\"c x365 y11b5 w197 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y11b5 w196 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x367 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x368 y11b5 w10 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x369 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>118<span class=\"ls0\"> </span><table class=\"s w46f h216\" id=\"_703901f5-0722-4197-9490-76a02350380a\"><tr><td class=\"c x2c8 y1781 w44e h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x391 y1781 w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1782 w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y1783 w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y1783 w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y1782 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1784 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y1784 w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">125<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1784 w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y1784 w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">39<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1785 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y1785 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">128.780 </div></td><td class=\"c x393 y1785 w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">353<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1785 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.224 </div></td></tr><tr><td class=\"c x2c6 y1786 w1a6 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y1786 w19 h12\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">42.577 </div></td><td class=\"c x393 y1786 w17b h12\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">423<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1786 w1a3 h12\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.438 </div></td></tr><tr><td class=\"c x2c6 y1787 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1787 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.481 </div></td><td class=\"c x393 y1787 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.081 </div></td><td class=\"c x395 y1787 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.276 </div></td></tr><tr><td class=\"c x2c6 y1788 w1a6 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1788 w19 h12\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1788 w17b h12\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">48.858<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1788 w1a3 h12\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">166.976<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 y4e2 ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y8bf ff4 fs4 fc2 sc0 ls0 ws0\"> Die bei<span class=\"_ _5\"></span> den perfor<span class=\"_ _5\"></span>ming Kategorien dargest<span class=\"_ _5\"></span>ellten Ri<span class=\"_ _5\"></span>sikovorsorgen r<span class=\"_ _5\"></span>esultieren aus <span class=\"_ _5\"></span>den Risiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr ECL nach <span class=\"_ _5\"></span>IFRS 9. </div><div class=\"t m0 x3 h5 yaa2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y178a w44e h191\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x391 y178a w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y178b w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y178c w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y178c w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y178b w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y178d w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y178d w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">112<span class=\"ls0\"> </span></div></td><td class=\"c x393 y178d w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y178d w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y178e w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y178e w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.356 </div></td><td class=\"c x393 y178e w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">561<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178e w1a3 hc\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">114.120 </div></td></tr><tr><td class=\"c x2c6 y178f w1a6 h12\"><div class=\"t m0 x90 h5 yaa6 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y178f w19 h12\"><div class=\"t m0 xc0 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">41.982 </div></td><td class=\"c x393 y178f w17b h12\"><div class=\"t m0 x111 h5 y9d9 ff4 fs2 fc2 sc0 ls2 ws0\">438<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178f w1a3 h12\"><div class=\"t m0 x73 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">24.500 </div></td></tr><tr><td class=\"c x2c6 y1790 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1790 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.449 </div></td><td class=\"c x393 y1790 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.307 </div></td><td class=\"c x395 y1790 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.047 </div></td></tr><tr><td class=\"c x2c6 y1791 w1a6 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1791 w19 hc\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1791 w17b hc\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.308<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1791 w1a3 hc\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">207.765<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 yaa9 ff4 fs6 fc2 sc0 ls0 ws0\">1) </div><div class=\"t m0 x31 h17 yaaa ff4 fs4 fc2 sc0 ls0 ws0\">Die bei d<span class=\"_ _5\"></span>en perfor<span class=\"_ _5\"></span>ming Kategorien dar<span class=\"_ _5\"></span>gestellt<span class=\"_ _5\"></span>en Risikovor<span class=\"_ _5\"></span>sorgen resultiere<span class=\"_ _5\"></span>n aus den R<span class=\"_ _5\"></span>isikovorsorgen <span class=\"_ _5\"></span>f\u00fcr ECL nach IFRS 9. <span class=\"_ _7\"> </span> </div></td><td></td><td></td><td></td></tr></table>Zus\u00e4tzlich standen d<span class=\"_ _0\"></span>er Oberbank AG per <span class=\"_ _0\"></span>31.12.2022 Sicherheiten mit einem Deckungswert v<span class=\"_ _0\"></span>on 568,1 Mio. EUR (Vorjahr:<span class=\"_ _128\"> </span>599,4 Mio. Euro) au<span class=\"_ _0\"></span>s Reverse Repos mit der CNB zur Verf\u00fcgung, die jederzeit zur Liq<span class=\"_ _0\"></span>uidit\u00e4tsbeschaffung bei der CNB hin<span class=\"_ _0\"></span>ter-<span class=\"_ _128\"> </span>legt werden k\u00f6nnen. Der St<span class=\"_ _0\"></span>and der jederzeit abzugsf\u00e4higen Z<span class=\"_ _0\"></span>entralbankreserven<span class=\"_ _0\"></span> betrug per 31.12.2022 2.018 Mio. Euro<span class=\"_ _0\"></span> (Vorjahr: 4.046 Mio. Euro<span class=\"_ _0\"></span>). Die Ermittlung von Liqu<span class=\"_ _0\"></span>idit\u00e4ts-Gaps basiert auf kontraktuellen Cashflows. F\u00fc<span class=\"_ _0\"></span>r Positionen ohne<span class=\"_ _128\"> </span>definierte Kapitallaufzeit werd<span class=\"_ _0\"></span>en Annahmen getroffen (z. B. werden Sichteinla<span class=\"_ _0\"></span>gen a<span class=\"_ _0\"></span>ls 12-Monats-rollierende Posit<span class=\"_ _0\"></span>ionen,<span class=\"_ _128\"> </span>Sonstige Aktiva/Passiva als ro<span class=\"_ _0\"></span>llierende Langfristpositionen und Eigenkapital a<span class=\"_ _0\"></span>ls langfristige Position dargestellt).<span class=\"_ _1\"></span> Um die Auswirkungen von Liq<span class=\"_ _0\"></span>uidit\u00e4tskrisen darzustellen und die Angemessenheit des Liquidit<span class=\"_ _0\"></span>\u00e4tspuff<span class=\"_ _0\"></span>ers <span class=\"_ _0\"></span>zu pr\u00fcfen, werden<span class=\"_ _128\"> </span>Stressszenarien gerechnet. Es werden<span class=\"_ _0\"></span> die Szenarien Verschlechterung der Reputat<span class=\"_ _0\"></span>ion, Marktkrise und als Worst Case eine<span class=\"_ _128\"> </span>Kombination dieser beiden s<span class=\"_ _0\"></span>imuliert. F\u00fcr extreme Marktverh\u00e4ltnisse wurde ein Not<span class=\"_ _0\"></span>fallplan ausgearbeitet.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-416": {
   "value": "<div class=\"c wb1 hc gs210\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">40) Eventualverbindlichkeiten und Kreditrisiken in Ts<span class=\"_ _0\"></span>d.\u20ac<span class=\"ff5\"> </span></div></div><div class=\"c w74 hc gs211\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></div><div class=\"c w82 hc gs212\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></div><div class=\"c wb1 hf gs213\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Eventualverbindlichkeiten (Haft<span class=\"_ _0\"></span>ungen und Akkreditive)<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs214\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.639.531<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs215\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.404.392<span class=\"_ _128\"> </span> </div></div><div class=\"c wb1 hf gs216\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eventualverbindlichkeiten<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs217\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">1.639.531<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs218\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.404.392<span class=\"_ _128\"> </span> </div></div><div class=\"c wb1 hf gs219\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten aus un<span class=\"_ _0\"></span>echten Pensionsgesch\u00e4ften<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs21a\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs21b\"><div class=\"t m0 x3 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></div><div class=\"c wb1 hf gs21c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige Kreditrisiken (unw<span class=\"_ _0\"></span>iderrufliche Kreditzusagen)<span class=\"_ _0\"></span> </div></div><div class=\"c w74 hf gs21d\"><div class=\"t m0 x8c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">4.542.796<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs21e\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.551.763<span class=\"_ _128\"> </span> </div></div><div class=\"c wb1 hf gs21f\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken<span class=\"_ _128\"> </span> </div></div><div class=\"c w74 hf gs220\"><div class=\"t m0 x8c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">4.542.796<span class=\"_ _128\"> </span> </div></div><div class=\"c w82 hf gs221\"><div class=\"t m0 x8c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.551.763<span class=\"_ _128\"> </span> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-474": {
   "value": "40) Eventualverbindlichkeiten und Kreditrisiken in Ts<span class=\"_ _0\"></span>d.\u20ac<span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Sonstige Eventualverbindlichkeiten (Haft<span class=\"_ _0\"></span>ungen und Akkreditive)<span class=\"_ _0\"></span> 1.639.531<span class=\"_ _128\"> </span>1.404.392<span class=\"_ _128\"> </span>Eventualverbindlichkeiten<span class=\"_ _128\"> </span>1.639.531<span class=\"_ _128\"> </span>1.404.392<span class=\"_ _128\"> </span>Verbindlichkeiten aus un<span class=\"_ _0\"></span>echten Pensionsgesch\u00e4ften<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Sonstige Kreditrisiken (unw<span class=\"_ _0\"></span>iderrufliche Kreditzusagen)<span class=\"_ _0\"></span> 4.542.796<span class=\"_ _128\"> </span>4.551.763<span class=\"_ _128\"> </span>Kreditrisiken<span class=\"_ _128\"> </span>4.542.796<span class=\"_ _128\"> </span>4.551.763<span class=\"_ _128\"> </span>25) R\u00fcckstellungen<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Abfertigungs- und<span class=\"_ _0\"></span> Pensionsr\u00fcckstellung<span class=\"_ _128\"> </span>136.523<span class=\"_ _128\"> </span>179.295<span class=\"_ _128\"> </span>Jubil\u00e4umsgeldr\u00fcckstellung<span class=\"_ _128\"> </span>12.095<span class=\"_ _128\"> </span>14.908<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr das Kred<span class=\"_ _0\"></span>itgesch\u00e4ft<span class=\"_ _128\"> </span>137.497<span class=\"_ _128\"> </span>135.250<span class=\"_ _128\"> </span>Sonstige R\u00fcckstellungen<span class=\"_ _0\"></span> 33.506<span class=\"_ _128\"> </span>35.349<span class=\"_ _128\"> </span>R\u00fcckstellungen<span class=\"_ _128\"> </span>319.621<span class=\"_ _128\"> </span>364.802",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-16": {
   "value": "40) Eventualverbindlichkeiten und Kreditrisiken in Ts<span class=\"_ _0\"></span>d.\u20ac<span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Sonstige Eventualverbindlichkeiten (Haft<span class=\"_ _0\"></span>ungen und Akkreditive)<span class=\"_ _0\"></span> 1.639.531<span class=\"_ _128\"> </span>1.404.392<span class=\"_ _128\"> </span>Eventualverbindlichkeiten<span class=\"_ _128\"> </span>1.639.531<span class=\"_ _128\"> </span>1.404.392<span class=\"_ _128\"> </span>Verbindlichkeiten aus un<span class=\"_ _0\"></span>echten Pensionsgesch\u00e4ften<span class=\"_ _0\"></span> 0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Sonstige Kreditrisiken (unw<span class=\"_ _0\"></span>iderrufliche Kreditzusagen)<span class=\"_ _0\"></span> 4.542.796<span class=\"_ _128\"> </span>4.551.763<span class=\"_ _128\"> </span>Kreditrisiken<span class=\"_ _128\"> </span>4.542.796<span class=\"_ _128\"> </span>4.551.763<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-441": {
   "value": "<div class=\"c w3 h3 gs223\"><div class=\"t m0 x3 h5 y892 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y893 ff5 fs2 fc2 sc0 ls0 ws0\">41) Unternehmen des Konsolid<span class=\"_ _0\"></span>ierungskreises<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y894 ff4 fs2 fc2 sc0 ls0 ws0\">Die nachfolgende Auflistu<span class=\"_ _0\"></span>ng stellt den Konsolidierungskr<span class=\"_ _0\"></span>eis des Oberbank Konzerns zum 31.12.2022 dar.<span class=\"_ _1\"></span> </div><div class=\"t m0 x3 h5 y895 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y896 ff4 fs2 fc2 sc0 ls0 ws0\">KONZERNMUTTERGESELLSCHA<span class=\"_ _0\"></span>FT OBERBANK AG, Linz<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y897 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y898 ff5 fs2 fc2 sc0 ls0 ws0\">VOLLKONSOLIDIERTE UNTER<span class=\"_ _0\"></span>NEHMEN <span class=\"_ _4c\"> </span>Anteil in %<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs224\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs225\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">80,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f h26 gs226\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></div><div class=\"c w120 h26 gs227\"><div class=\"t m0 x6 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">80,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs228\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Garage Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs229\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs22a\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs22b\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f h26 gs22c\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 h26 gs22d\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs22e\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs22f\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs230\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs231\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f h26 gs232\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 h26 gs233\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha8 gs234\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha8 gs235\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs236\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> </div></div><div class=\"c w120 ha7 gs237\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f h26 gs238\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Eugendorf Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 h26 gs239\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs23a\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs23b\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">90,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs23c\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span> </div></div><div class=\"c w120 ha7 gs23d\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f h26 gs23e\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Goldkronach Beteiligungs Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting  </div></div><div class=\"c w120 h26 gs23f\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"c w11f ha7 gs240\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  </div></div><div class=\"c w120 ha7 gs241\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></div><div class=\"gsa\"><table class=\"s w3b5 h1e0\" id=\"_8545a74d-00d8-4a04-ac45-da1cb74f2c7f\"><tr><td class=\"c x2c8 y151b w3b6 h1e1\" colspan=\"2\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals <span class=\"_ _0\"></span>Oberbank Idstein Immobilien-Leasing GmbH), Neu<span class=\"_ _0\"></span>\u00f6t-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y151c w3b7 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ting<span class=\"_ _128\"> </span></div></td><td class=\"c x2c7 y151d w120 ha9\"><div class=\"t m0 x34 h5 y8a4 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y151e w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y151e w120 ha7\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">95,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y151f w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y151f w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1520 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1520 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1521 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1521 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1522 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1522 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1523 w121 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1523 w122 ha7\"><div class=\"t m0 xf9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1524 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1524 w120 ha7\"><div class=\"t m0 xc9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Komplement\u00e4r<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1525 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH <span class=\"_ _0\"></span>Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1525 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1526 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF Holz, s.r.o.,<span class=\"_ _0\"></span> Prag<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1526 w120 ha7\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">95,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1527 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1527 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1528 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1528 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1529 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1529 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152a w11f haa\"><div class=\"t m0 x90 h5 y8af ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag  </div></td><td class=\"c x2c7 y152a w120 haa\"><div class=\"t m0 x34 h5 y8af ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152b w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y152b w120 ha7\"><div class=\"t m0 x6 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">99,80<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152c w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y152c w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152d w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR Immobilienleasing GmbH, Lin<span class=\"_ _0\"></span>z<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y152d w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152e w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y152e w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y152f w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenh<span class=\"_ _0\"></span>of Immobilienleasing GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y152f w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1530 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1530 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1531 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x2c7 y1531 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1532 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1532 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1533 w11f h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neust<span class=\"_ _0\"></span>adt Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1533 w120 h26\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1534 w11f hab\"><div class=\"t m0 x90 h5 y7fe ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Immo<span class=\"_ _0\"></span>bilienleasing GmbH),<span class=\"_ _128\"> </span> </div><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2c7 y1534 w120 hab\"><div class=\"t m0 x34 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1535 w11f ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2c7 y1535 w120 ha7\"><div class=\"t m0 x34 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1536 w121 ha8\"><div class=\"t m0 x90 h5 y8a4 ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y1536 w122 ha8\"><div class=\"t m0 x2d h5 y8a4 ff4 fs2 fc2 sc0 ls0 ws0\">94,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1537 w121 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x186 y1537 w122 h26\"><div class=\"t m0 xf9 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1538 w121 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x186 y1538 w122 ha7\"><div class=\"t m0 xf9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1539 w121 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting<span class=\"_ _0\"></span> </div></td><td class=\"c x186 y1539 w122 ha7\"><div class=\"t m0 xf9 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y153a w121 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x186 y153a w122 h26\"><div class=\"t m0 x2d h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">99,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y153b w3b8 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NACH IFRS 11 KONSOLIDIERTE UNTE<span class=\"_ _0\"></span>RNEHMEN (GEMEINSCHAFTLICHE T\u00c4TIGKEIT)<span class=\"_ _128\"> </span></div></td><td class=\"c x2c9 y153b w3b9 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anteil in %<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y153c w124 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x2ca y153c w125 ha7\"><div class=\"t m0 x48 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">50,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y153d w3ba h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">AT EQUITY BEWERTE<span class=\"_ _0\"></span>TE ASSOZIIERTE UNTERNEHMEN<span class=\"_ _128\"> </span></div></td><td class=\"c x2cb y153d w3b9 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anteil in %<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y153e w126 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">Bank f\u00fcr Tirol und Vorarlberg <span class=\"_ _0\"></span>Aktiengesellschaft, Innsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x2cc y153e w127 h26\"><div class=\"t m0 x39 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">13,85<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y153f w126 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">BKS Bank AG, Klagenfurt<span class=\"_ _0\"></span>  </div></td><td class=\"c x2cc y153f w127 ha7\"><div class=\"t m0 x39 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">18,52<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1540 w126 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">voestalpine AG, Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2cc y1540 w127 ha7\"><div class=\"t m0 xc0 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">8,04<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x178 y1541 w3bb h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NICHT KONSOLIDIERTE UNTERNEHME<span class=\"_ _0\"></span>N<span class=\"_ _128\"> </span></div></td><td class=\"c x2cd y1541 w3b9 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Anteil in %<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x178 y1542 w3bc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">A. VERBUNDENE UNTER<span class=\"_ _0\"></span>NEHMEN<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y1543 w128 h26\"><div class=\"t m0 x90 h5 y550 ff9 fs2 fc2 sc0 ls0 ws0\">\u201eAM\u201c Bau<span class=\"ff4\">- u<span class=\"_ _0\"></span>nd Geb\u00e4udevermietung Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _128\"> </span></span><span class=\"ff4\"> </span></div></td><td class=\"c x2ce y1543 w129 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1544 w128 ha7\"><div class=\"t m0 x90 h5 y8c3 ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz (vor<span class=\"_ _0\"></span>m. Banken DL Servicegesellschaft m.b.H.)<span class=\"_ _0\"></span> </div></td><td class=\"c x2ce y1544 w129 ha7\"><div class=\"t m0 x90 h5 y8c3 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1545 w128 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span> </div></td><td class=\"c x2ce y1545 w129 ha7\"><div class=\"t m0 x90 h5 ye9 ff4 fs2 fc2 sc0 ls0 ws0\">100,00<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1546 w128 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembu<span class=\"_ _0\"></span>rg<span class=\"_ _128\"> </span> </div></td><td class=\"c x2ce y1546 w129 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">58,69<span class=\"_ _128\"> </span> </div></td></tr></table></div>97<span class=\"ls0\"> </span>\u201eLA\u201c Geb\u00e4udevermietun<span class=\"_ _0\"></span>g und Bau <span class=\"ff4\">- Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _128\"> </span></span>100,00<span class=\"_ _128\"> </span>Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank Industrie und <span class=\"_ _0\"></span>Handelsbeteiligungsholdin<span class=\"_ _0\"></span>g GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> 100,00<span class=\"_ _128\"> </span>Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>Samson \u010cesk\u00e9 Bud\u011bjovice spol. s r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span>100,00<span class=\"_ _128\"> </span>\u201eSG\u201c Geb\u00e4udevermietungsgesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"ff4\"> </span>100,00<span class=\"_ _128\"> </span>\u201eSP\u201c Bau<span class=\"ff4\">- und<span class=\"_ _0\"></span> Geb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _128\"> </span></span>100,00<span class=\"_ _128\"> </span>\u201eST\u201c BAU Errichtun<span class=\"_ _0\"></span>gs<span class=\"ff4\">- und Vermietungsgesellschaft m.b.H., Linz</span><span class=\"ff4\"><span class=\"_ _0\"></span> </span>100,00<span class=\"_ _128\"> </span>TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span>100,00<span class=\"_ _128\"> </span>B. ASSOZIIERTE UNTERNE<span class=\"_ _0\"></span>HMEN<span class=\"_ _128\"> </span>3 Banken-Generali Inv<span class=\"_ _0\"></span>estment-Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> <span class=\"_ _51\"> </span>20,57<span class=\"_ _128\"> </span>3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz <span class=\"_ _52\"> </span>40,00<span class=\"_ _128\"> </span>3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> <span class=\"_ _53\"> </span>40,00<span class=\"_ _128\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz <span class=\"_ _54\"> </span>40,00<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnan<span class=\"_ _0\"></span>g-Puchheim <span class=\"_ _55\"> </span>49,00<span class=\"_ _128\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-E<span class=\"_ _0\"></span>DV Gesellschaft m.b.H.) <span class=\"_ _56\"> </span>40,00<span class=\"_ _128\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> <span class=\"_ _57\"> </span>33,11<span class=\"_ _128\"> </span>Gain Capital Private Equity III SCSp<span class=\"_ _0\"></span> <span class=\"_ _58\"> </span>36,97<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad <span class=\"_ _0\"></span>Hofgastein <span class=\"_ _59\"> </span>32,62<span class=\"_ _128\"> </span>GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige registrierte Genossenschaft mit<span class=\"_ _0\"></span> beschr\u00e4nkter Haftung, Linz<span class=\"_ _0\"></span> <span class=\"_ _5a\"> </span>25,16<span class=\"_ _128\"> </span>Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling <span class=\"_ _5b\"> </span>24,90<span class=\"_ _128\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz <span class=\"_ _5c\"> </span>24,7<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Techno-Z Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Brau<span class=\"_ _0\"></span>nau <span class=\"_ _5d\"> </span>21,50<span class=\"_ _128\"> </span>Angaben zu Tochterun<span class=\"_ _0\"></span>ternehmen<span class=\"_ _128\"> </span>Zu <span class=\"_ _1\"></span>den <span class=\"_ _1\"></span>Rechnungslegungsmetho<span class=\"_ _0\"></span>den <span class=\"_ _1\"></span>siehe <span class=\"_ _1\"></span>Punkt <span class=\"_ _1\"></span>2) <span class=\"_ _1\"></span>in <span class=\"_ _1\"></span>den <span class=\"_ _1\"></span>Erl\u00e4uterungen <span class=\"_ _1\"></span>(Notes) <span class=\"_ _1\"></span>zum <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzernabschluss, <span class=\"_ _1\"></span>Abschnitt <span class=\"_ _1\"></span>Konsoli-<span class=\"_ _128\"> </span>dierungsmethoden. Nachstehend si<span class=\"_ _5\"></span>nd die <span class=\"_ _3d\"></span>wesentlichen Tochterunternehmen des<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>Oberbank Konzerns in<span class=\"_ _5\"></span> <span class=\"_ _5\"></span>den <span class=\"_ _5\"></span>Jahren 2022 <span class=\"_ _3d\"></span>und<span class=\"_ _128\"> </span>2021 aufgelistet.<span class=\"_ _128\"> </span>Name  <span class=\"_ _5e\"> </span>Land der  <span class=\"_ _43\"> </span>Hauptaktivit\u00e4t  <span class=\"_ _5f\"> </span>Eigenkapitalanteil in %  <span class=\"_ _43\"> </span> <span class=\"_ _60\"> </span><span class=\"ls2\">2022</span> <span class=\"_ _61\"> </span><span class=\"ls2\">2021</span> Oberbank Leasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _62\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH <span class=\"_ _65\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _66\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Power Tower GmbH <span class=\"_ _67\"> </span>\u00d6sterreich <span class=\"_ _68\"> </span>99,00 <span class=\"_ _69\"> </span>99,00<span class=\"_ _128\"> </span>Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilien Leasing GmbH <span class=\"_ _6a\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Bergbahnen G<span class=\"_ _0\"></span>mbH <span class=\"_ _6b\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>3 Banken Kfz-Leasing GmbH<span class=\"_ _0\"></span> <span class=\"_ _6c\"> </span>\u00d6sterreich <span class=\"_ _68\"> </span>80,00 <span class=\"_ _69\"> </span>80,00<span class=\"_ _128\"> </span>Oberbank Kfz Leasing GmbH <span class=\"_ _6d\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing GmbH Bayern<span class=\"_ _0\"></span> <span class=\"_ _6e\"> </span>Deutschland <span class=\"_ _6f\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l.s.r.o. <span class=\"_ _70\"> </span>Tschechien <span class=\"_ _71\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Ober Finanz Leasing gAG <span class=\"_ _72\"> </span>Ungarn <span class=\"_ _73\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>. <span class=\"_ _74\"> </span>Slowakei <span class=\"_ _a\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Donau<span class=\"_ _0\"></span>l\u00e4nde Invest GmbH <span class=\"_ _75\"> </span>\u00d6sterreich <span class=\"_ _63\"> </span>100,00 <span class=\"_ _64\"> </span>100,00<span class=\"_ _128\"> </span>Zum 31.12.2022 bestand<span class=\"_ _0\"></span>en in keinem Tochterunternehmen wesentliche nicht<span class=\"_ _0\"></span> beherrschend<span class=\"_ _0\"></span>e Anteile.<span class=\"_ _128\"> </span>Angaben zu asso<span class=\"_ _0\"></span>ziierten Unternehmen<span class=\"_ _128\"> </span>Zu <span class=\"_ _76\"> </span>den <span class=\"_ _76\"> </span>Rechnungslegungsmethoden <span class=\"_ _76\"> </span>siehe <span class=\"_ _76\"> </span>Punkt <span class=\"_ _76\"> </span>2) <span class=\"_ _76\"> </span>in <span class=\"_ _3c\"> </span>d<span class=\"_ _0\"></span>en <span class=\"_ _3c\"> </span>Erl\u00e4uterungen <span class=\"_ _76\"> </span>(Not<span class=\"_ _0\"></span>es) <span class=\"_ _3c\"> </span>zu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span> <span class=\"_ _76\"> </span>Konzernabschluss, <span class=\"_ _76\"> </span>Abschnitt Konsolidierungsmethod<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>. <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>er <span class=\"_ _1\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzern <span class=\"_ _1\"></span>h<span class=\"_ _0\"></span>at <span class=\"_ _12\"></span>zum <span class=\"_ _1\"></span>31.12.2022 <span class=\"_ _12\"></span>drei <span class=\"_ _1\"></span>assoziierte <span class=\"_ _12\"></span>Unternehmen, <span class=\"_ _1\"></span>die <span class=\"_ _12\"></span>nach <span class=\"_ _1\"></span>der <span class=\"_ _12\"></span>Equity<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>Methode bilanziert werden.<span class=\"_ _128\"> </span>BKS Bank AG<span class=\"_ _128\"> </span>Bank f\u00fcr Tirol und Vorarl-<span class=\"_ _128\"> </span>berg Aktiengesellschaft<span class=\"_ _0\"></span> voestalpine AG<span class=\"_ _128\"> </span>Art der Beziehung<span class=\"_ _128\"> </span>Strategischer Bankpartn<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Strategischer Bankpartn<span class=\"_ _0\"></span>erStrategischer Partner<span class=\"_ _128\"> </span>Art der T\u00e4tigkeit<span class=\"_ _128\"> </span>Kreditinstitut<span class=\"_ _128\"> </span>Kreditinstitut<span class=\"_ _128\"> </span>Stahlbasierter Technologie<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>und Industrieg\u00fcterkonzern<span class=\"_ _0\"></span> Hauptsitz der Gesch\u00e4ftst\u00e4-<span class=\"_ _128\"> </span>tigkeit<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>Kapitalanteil<span class=\"_ _128\"> </span>18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span>13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span>8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span>Stimmanteil<span class=\"_ _128\"> </span>18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span>13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span>8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span>Beizulegender Zeitwert des<span class=\"_ _128\"> </span>Eigentumsanteils (sofern<span class=\"_ _128\"> </span>b\u00f6rsennotiert)<span class=\"_ _128\"> </span>111.336 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 121.674 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>192.299 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 148.952 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>355.820 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 459.494 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>Es <span class=\"_ _0\"></span>folgen <span class=\"_ _0\"></span>zusammengefasste <span class=\"_ _0\"></span>Finanzinformationen <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>assoziierten <span class=\"_ _0\"></span>U<span class=\"_ _0\"></span>nternehmen <span class=\"_ _0\"></span>BKS <span class=\"_ _0\"></span>Bank AG, <span class=\"_ _0\"></span>Bank <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Tirol und <span class=\"_ _0\"></span>Vorarl-<span class=\"_ _128\"> </span>berg <span class=\"_ _12\"></span>Aktiengesellschaft <span class=\"_ _12\"></span>(Kreditinstitut<span class=\"_ _0\"></span>e) <span class=\"_ _12\"></span>und <span class=\"_ _12\"></span>voestalpine <span class=\"_ _12\"></span>AG <span class=\"_ _12\"></span>(Sonstige). <span class=\"_ _12\"></span>Die <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>aten <span class=\"_ _12\"></span>basieren <span class=\"_ _12\"></span>auf <span class=\"_ _12\"></span>den <span class=\"_ _12\"></span>jeweiligen <span class=\"_ _12\"></span>Konzernab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>schl\u00fcssen, die nach IFRS erst<span class=\"_ _0\"></span>ellt wurden.<span class=\"_ _128\"> </span>Kreditinstitute<span class=\"_ _128\"> </span>Sonstige<span class=\"_ _128\"> </span>BKS<span class=\"_ _128\"> </span>BTV<span class=\"_ _128\"> </span>voestalpine<span class=\"_ _128\"> </span>in Tsd. \u20ac<span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Erl\u00f6se<span class=\"_ _128\"> </span>236.730257.266347.704278.90517.175.50013.199.400<span class=\"_ _128\"> </span>Gewinn/Verlust aus fortzuf\u00fchrend<span class=\"_ _0\"></span>en Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsbereichen<span class=\"_ _128\"> </span>61.583102.887<span class=\"_ _128\"> </span>98.320<span class=\"_ _128\"> </span>78.4151.559.700793.200<span class=\"_ _128\"> </span>Gewinn/Verlust nach Steuern<span class=\"_ _0\"></span> aus aufge-<span class=\"_ _128\"> </span>gebenen Gesch\u00e4ftsbereichen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Sonstiges Ergebnis<span class=\"_ _128\"> </span>4.74214.886<span class=\"_ _128\"> </span>8.485<span class=\"_ _128\"> </span>9.510133.500116.900<span class=\"_ _128\"> </span>Gesamtergebnis<span class=\"_ _128\"> </span>66.325117.773106.805<span class=\"_ _128\"> </span>87.9251.693.200910.100<span class=\"_ _128\"> </span>Kurzfristige Verm\u00f6genswerte<span class=\"_ _128\"> </span>1.200.7161.606.1522.926.3653.117.0009.347.8007.216.900<span class=\"_ _128\"> </span>Langfristige Verm\u00f6genswerte<span class=\"_ _0\"></span> K<span class=\"_ _128\"> </span>9.360.9968.828.80511.323.15310.836.8487.796.0008.219.400<span class=\"_ _128\"> </span>Kurzfristige Schulden<span class=\"_ _128\"> </span>L<span class=\"_ _128\"> </span>862.051758.6652.598.7152.608.2456.061.9005.253.600<span class=\"_ _128\"> </span>Langfristige Schulden<span class=\"_ _128\"> </span>8.194.0678.233.3109.672.0269.474.0253.549.0004.105.200<span class=\"_ _128\"> </span>Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span>der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span>resbeginn<span class=\"_ _128\"> </span>255.534235.677252.858240.745492.372420.724<span class=\"_ _128\"> </span>Zurechenbares Gesamtergebn<span class=\"_ _0\"></span>is<span class=\"_ _128\"> </span>13.42421.764<span class=\"_ _128\"> </span>15.838<span class=\"_ _128\"> </span>13.21976.106<span class=\"_ _128\"> </span>78.828<span class=\"_ _128\"> </span>Erhaltene Dividenden<span class=\"_ _0\"></span> im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>1.829<span class=\"_ _128\"> </span>1.907<span class=\"_ _128\"> </span>1.414<span class=\"_ _128\"> </span>1.10517.231<span class=\"_ _128\"> </span>7.180<span class=\"_ _128\"> </span>Zug\u00e4nge im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.987<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<table class=\"s w3e8 h1e9\" id=\"_474c0de0-7e14-4d6a-b032-d3ed6911f857\"><tr><td class=\"c x178 y1588 w3e6 h1ea\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1589 w3e7 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y158a w3e9 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">resende<span class=\"_ _128\"> </span></div></td><td class=\"c x2ea y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">267.129 </div></td><td class=\"c x2ed y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.534 </div></td><td class=\"c x2ec y1075 w133 hb3\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">281.269 </div></td><td class=\"c x1d7 y1075 wef hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.858 </div></td><td class=\"c x2eb y1075 w134 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x2ee y1075 w135 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr></table>F\u00fcr die Beteiligung an der BKS Bank AG <span class=\"_ _0\"></span>besteht zwischen der Oberbank AG, der Ban<span class=\"_ _0\"></span>k f\u00fcr Tirol und Vorarlberg Aktiengesell-<span class=\"_ _128\"> </span>schaft und der Gen<span class=\"_ _0\"></span>erali 3Banken Holding AG bzw. f\u00fcr die Beteiligung an der Bank f\u00fc<span class=\"_ _0\"></span>r Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span>besteht zwisch<span class=\"_ _0\"></span>en der Oberbank AG, der BKS Bank AG und der Generali 3Banken Hold<span class=\"_ _0\"></span>ing AG jeweils ein Syndikatsvertrag.<span class=\"_ _128\"> </span>Zweck der Syndikate ist<span class=\"_ _0\"></span> es, die Eigenst\u00e4ndigkeit der BKS Ban<span class=\"_ _0\"></span>k AG bzw. der Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span>zu erhalten. Die E<span class=\"_ _0\"></span>inbeziehung von BKS Bank AG un<span class=\"_ _0\"></span>d Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft b<span class=\"_ _0\"></span>eruht auf diesen Syn-<span class=\"_ _128\"> </span>dikatsvertr\u00e4gen. Die Einbeziehung d<span class=\"_ _0\"></span>es voestalpine-Ko<span class=\"_ _0\"></span>nzerns beruht vor allem auf dem nachh<span class=\"_ _0\"></span>altig strategischen Gehalt der<span class=\"_ _128\"> </span>Eigent\u00fcmerstruktur und der damit bestehend<span class=\"_ _0\"></span>en M\u00f6<span class=\"_ _0\"></span>glichkeit, ma\u00dfgeblichen Einfluss au<span class=\"_ _0\"></span>szu\u00fcben. Als strategischer Investor<span class=\"_ _128\"> </span>stellt die Oberbank AG dar\u00fcb<span class=\"_ _0\"></span>er hinaus einen Vertreter im Aufsichtsrat<span class=\"_ _0\"></span> der voestalpine AG. Der Stichtag f\u00fcr die Einbeziehung<span class=\"_ _128\"> </span>der assoziierten Unterneh<span class=\"_ _0\"></span>men ist jeweils der 30. September, <span class=\"_ _0\"></span>um eine zeitnahe Jahresabschlu<span class=\"_ _0\"></span>sserstellung zu erm\u00f6glichen.<span class=\"_ _0\"></span> Auswirkungen bedeutend<span class=\"_ _0\"></span>er Gesch\u00e4ftsvorf\u00e4lle oder anderer Ereignisse zwischen dem Berichtsst<span class=\"_ _0\"></span>ichtag und dem Kon<span class=\"_ _0\"></span>zernab-<span class=\"_ _128\"> </span>schlussstichtag werden, s<span class=\"_ _0\"></span>ofern gege<span class=\"_ _5\"></span>ben, ber\u00fccksichtigt.<span class=\"_ _0\"></span> D<span class=\"_ _0\"></span>ie nicht in den Konzernabs<span class=\"_ _0\"></span>chluss aufgenommenen assoziierten<span class=\"_ _128\"> </span>Unternehmen wiesen zum Bilanzst<span class=\"_ _0\"></span>ichtag folgende Werte (UGB) aus:<span class=\"_ _0\"></span> <table class=\"s w3ea h176\" id=\"_740229cb-305e-43e3-aabc-668db20660c8\"><tr><td class=\"c x174 y158b w136 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x2ef y158b w137 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y158b w138 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ff4 ls0\"> </span></div></td></tr><tr><td class=\"c x174 y158c w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6gensgegenst\u00e4nde </div></td><td class=\"c x2ef y158c w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">265.351 </div></td><td class=\"c x2f0 y158c w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.384 </div></td></tr><tr><td class=\"c x174 y158d w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schulden </div></td><td class=\"c x2ef y158d w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.166 </div></td><td class=\"c x2f0 y158d w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.717 </div></td></tr><tr><td class=\"c x174 y158e w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erl\u00f6se </div></td><td class=\"c x2ef y158e w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">173.451 </div></td><td class=\"c x2f0 y158e w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.098 </div></td></tr><tr><td class=\"c x174 y158f w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Periodengewinne/<span class=\"_ _0\"></span>-verluste </div></td><td class=\"c x2ef y158f w137 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.830 </div></td><td class=\"c x2f0 y158f w138 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.089 </div></td></tr></table>Da es sich bei diesen Werten um UGB<span class=\"_ _0\"></span>-Werte handelt, konnte eine Au<span class=\"_ _0\"></span>fgliederung gem\u00e4\u00df IFRS 12 nach fo<span class=\"_ _0\"></span>rtgef\u00fchrten/ aufgegebenen Gesch\u00e4ftsbereichen b<span class=\"_ _0\"></span>zw. nach Sonstiges Ergebnis/Gesamt<span class=\"_ _0\"></span>ergebnis nicht vorgenommen werden.<span class=\"_ _1\"></span> D<span class=\"_ _0\"></span>er Oberbank Konzern h\u00e4lt einen Anteil von 50 % an der A<span class=\"_ _0\"></span>LPENL\u00c4NDISCHE GARANTIE<span class=\"_ _1\"></span>-GESELLSCHAFT<span class=\"_ _128\"> </span>m.b.H, einer zusammen mit sein<span class=\"_ _0\"></span>en Schwesterban<span class=\"_ _0\"></span>ken BKS Bank AG und Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft ge-<span class=\"_ _128\"> </span>bildeten gemeinsamen Vereinbarun<span class=\"_ _0\"></span>g. Der Zweck der Gesellschaft ist die Garantie von Gro\u00df<span class=\"_ _0\"></span>kreditrisiken im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span> der Gesellschafterbanken. D<span class=\"_ _0\"></span>er Hauptsitz ihrer Gesch<span class=\"_ _0\"></span>\u00e4ftst\u00e4tigkeit befindet sich in \u00d6sterr<span class=\"_ _0\"></span>eich. Obwohl die ALPENL\u00c4NDISCHE<span class=\"_ _128\"> </span> GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H von den<span class=\"_ _0\"></span> Parteien rechtlich unabh\u00e4ngig ist, wird sie vom Oberban<span class=\"_ _0\"></span>k Konzern und seinen<span class=\"_ _128\"> </span> Schwesterbanken als eine gemeinschaftliche T\u00e4t<span class=\"_ _0\"></span>igkeit eingestuft. Dies gesc<span class=\"_ _0\"></span>hieht deshalb<span class=\"_ _0\"></span>, da der f\u00fcr die Deckung der Gro\u00df-<span class=\"_ _128\"> </span>kredite gebildete Deckungsfonds au<span class=\"_ _0\"></span>sschlie\u00dflich den Gesellschafterbanken zur Verf\u00fc<span class=\"_ _0\"></span>gung steht und durch Einzahlungen von<span class=\"_ _0\"></span> ihnen gebildet wurd<span class=\"_ _0\"></span>e. Angaben zu n<span class=\"_ _0\"></span>icht konsolidierten strukturierten Unternehmen<span class=\"_ _0\"></span> Art, Zweck und Umfang der Be<span class=\"_ _0\"></span>teiligung des Konzerns an nicht konso<span class=\"_ _0\"></span>lidierten, strukturierten Einheiten<span class=\"_ _0\"></span><span class=\"fc3\"> </span>Der Oberbank Konzern nut<span class=\"_ _0\"></span>zt sogenannte strukturierte Einheiten, die einem bestimmten Gesch\u00e4ft<span class=\"_ _0\"></span>szweck dienen. Struktu-<span class=\"_ _128\"> </span>rierte Einheiten sind derart ausgestaltet, d<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s Stimmrechte bei der Entscheidung, wer das Unternehmen beherr<span class=\"_ _0\"></span>scht, nicht<span class=\"_ _128\"> </span>der ausschlaggebende Fakto<span class=\"_ _0\"></span>r sind. Ein strukturiertes Unternehmen verf\u00fcgt \u00fc<span class=\"_ _0\"></span>ber einige oder alle der folgenden Merkmale:<span class=\"_ _128\"> </span>limitierte Aktivit\u00e4ten, ein eng gefasstes un<span class=\"_ _0\"></span>d genau definiertes<span class=\"_ _0\"></span> Ziel, unzureichendes Eigenkapital um seine Akt<span class=\"_ _0\"></span>ivit\u00e4ten ohne<span class=\"_ _128\"> </span>nachrangige finanzielle Unterst\u00fct<span class=\"_ _0\"></span>zung zu finanzieren. Strukturierte Einheiten fin<span class=\"_ _0\"></span>anzieren den Erwerb von Verm\u00f6genswerten<span class=\"_ _128\"> </span>oftmals durch die Emission<span class=\"_ _0\"></span> von Schuld- od<span class=\"_ _0\"></span>er Eigenkapitaltiteln. Teilweise werden d<span class=\"_ _0\"></span>iese durch die von ihn<span class=\"_ _0\"></span>en gehaltenen Ver-<span class=\"_ _128\"> </span>m\u00f6genswerte besichert od<span class=\"_ _0\"></span>er sind an diese gekoppelt.<span class=\"_ _128\"> </span><span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Beteiligungen des Oberbank Konzerns an<span class=\"_ _0\"></span> nicht konsolidierten stru<span class=\"_ _0\"></span>kturierten Einheiten bestehen aus vertraglichen Beziehun-<span class=\"_ _128\"> </span>gen, die zum Empfang von v<span class=\"_ _0\"></span>ariablen R\u00fcckfl\u00fcssen<span class=\"_ _0\"></span> aus der Performance der nicht konsolid<span class=\"_ _0\"></span>ierten strukturierten Einheiten be-<span class=\"_ _128\"> </span>rechtigen. Es handelt sich d<span class=\"_ _0\"></span>abei um Gesch\u00e4ftsaktivit\u00e4ten mit Investmentfondsant<span class=\"_ _0\"></span>eilen, in die der Oberbank Konzern inves-<span class=\"_ _128\"> </span>tiert hat. Sie dienen der Erzielung vo<span class=\"_ _0\"></span>n Veranlagungser<span class=\"_ _0\"></span>tr\u00e4gen.<span class=\"_ _128\"> </span>Die Einheiten, die Gegenstand dieser Anh<span class=\"_ _0\"></span>angangabe sind, werden nicht konso<span class=\"_ _0\"></span>lidiert, da der Oberbank Konzern keine Beherr-<span class=\"_ _128\"> </span>schung \u00fcber Stimmrechte, Vertr\u00e4ge, Finanzieru<span class=\"_ _0\"></span>ngsvereinbarungen oder an<span class=\"_ _0\"></span>dere Mittel hat. Die im Oberbank Konzern identi-<span class=\"_ _128\"> </span>fizierten wesentlichen str<span class=\"_ _0\"></span>ukturierten Unternehmen werden in<span class=\"_ _0\"></span> der Regel im IFRS-Absch<span class=\"_ _0\"></span>luss mit dem Fair Value bew<span class=\"_ _0\"></span>ertet, da<span class=\"_ _128\"> </span>deren Wertentwicklun<span class=\"_ _0\"></span>g auf Grundlage des beizulegenden Zeitwerts auf Basis einer doku<span class=\"_ _0\"></span>mentierten Anlagestrategie beur-<span class=\"_ _128\"> </span>teilt und gesteuert w<span class=\"_ _0\"></span>ird. Einnahmen<span class=\"_ _128\"> </span>Der Oberbank Konzern erzielt Einn<span class=\"_ _0\"></span>ahmen aus derartigen Gesch\u00e4ften zu<span class=\"_ _0\"></span>m einen in Form von Aussch\u00fcttungen und zu<span class=\"_ _0\"></span>m ande-<span class=\"_ _128\"> </span>ren aus der Wertver\u00e4nderung der gehaltenen Wert<span class=\"_ _0\"></span>papiere. Aussch\u00fcttun<span class=\"_ _0\"></span>gen werden in der Position Zinsen und \u00e4h<span class=\"_ _0\"></span>nliche Er-<span class=\"_ _128\"> </span>tr\u00e4ge ausgewiesen. Wertver\u00e4nd<span class=\"_ _0\"></span>erungen sind in der Position Sonstiger betrieblicher Er<span class=\"_ _0\"></span>folg, im Ergebnis aus finanziellen Ver-<span class=\"_ _128\"> </span>m\u00f6genswerten FV/PL, <span class=\"_ _0\"></span>enthalten.<span class=\"_ _128\"> </span>H\u00f6chstm\u00f6gliches Ausfallsrisiko<span class=\"_ _128\"> </span>Das maximal m\u00f6gliche Verlustrisiko besteh<span class=\"_ _0\"></span>t im Buchwert, der in der Bilanz ausgewiesen ist<span class=\"_ _0\"></span>. G<span class=\"_ _0\"></span>estellte Sicherheiten finden<span class=\"_ _128\"> </span>keine Ber\u00fccksichtigung als Abzugspost<span class=\"_ _0\"></span>en. Gr\u00f6\u00dfe Als relevantes Gr\u00f6\u00df<span class=\"_ _0\"></span>enkriterium f\u00fcr nicht konsolidierte strukturierte Unternehmen hat<span class=\"_ _0\"></span> der Oberbank Konzern den Fair Value<span class=\"_ _128\"> </span>der verwalteten Verm\u00f6genswerte festgelegt. Die Festlegun<span class=\"_ _0\"></span>g au<span class=\"_ _0\"></span>f den Fair Value erfolgte, d<span class=\"_ _0\"></span>a die Wertentwicklung dieser Investments auf Grund<span class=\"_ _0\"></span>lage des beizulegenden Zeitwerts auf Basis einer doku<span class=\"_ _0\"></span>mentierten Anlagestrategie beurteilt und ge-<span class=\"_ _128\"> </span>steuert wird. Finanzielle Unterst\u00fctzung<span class=\"_ _128\"> </span>Im Gesch\u00e4ftsjahr stellte der Oberb<span class=\"_ _0\"></span>ank Konzern<span class=\"_ _0\"></span> nicht konsolidierten strukturierten Einheiten keine Unterst\u00fc<span class=\"_ _0\"></span>tzung zur <span class=\"_ _0\"></span> Verf\u00fcgung, ohne dazu<span class=\"_ _0\"></span> vertraglich verpflichtet gewesen zu sein. F\u00fcr d<span class=\"_ _0\"></span>ie Zukunft ist dies auch nicht geplant<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> Die folgende Tabelle zeigt die Buchw<span class=\"_ _0\"></span>erte der Beteiligungen des Kon<span class=\"_ _0\"></span>zerns sowie den maximal m\u00f6glichen Verlust<span class=\"_ _0\"></span>, der aus die-<span class=\"_ _128\"> </span>sen Beteiligungen resultieren k\u00f6n<span class=\"_ _0\"></span>nte. Sie gibt auch eine Indikation \u00fcb<span class=\"_ _0\"></span>er die Gr\u00f6\u00dfe von strukturierten Einheiten.<span class=\"_ _0\"></span> <table class=\"s w3eb h1eb\" id=\"_6a8b428f-a46f-4472-a285-b6603fd1c81e\"><tr><td class=\"c x174 y1590 w139 h12\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x221 y1590 w137 h12\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y1590 w138 h12\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1591 w139 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerte </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1592 w139 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Finanzielle Verm\u00f6genswerte FV/PL<span class=\"_ _0\"></span> </div></td><td class=\"c x221 y1592 w137 hf\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td><td class=\"c x2f0 y1592 w138 hf\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td></tr><tr><td class=\"c x174 y1593 w139 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnisrechnung<span class=\"_ _0\"></span> </div></td><td></td><td></td></tr><tr><td class=\"c x174 y1594 w139 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg<span class=\"_ _0\"></span> </div></td><td class=\"c x221 y1594 w137 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.181 </div></td><td class=\"c x2f0 y1594 w138 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.149 </div></td></tr><tr><td class=\"c x174 y1595 w139 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>en FV/PL </div></td><td class=\"c x221 y1595 w137 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.181 </div></td><td class=\"c x2f0 y1595 w138 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.145 </div></td></tr><tr><td class=\"c x174 y1596 w139 hf\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstiger betrieblicher Erfolg </div></td><td class=\"c x221 y1596 w137 hf\"><div class=\"t m0 xc7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x2f0 y1596 w138 hf\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td></tr><tr><td class=\"c x174 y1597 w139 hf\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">H\u00f6chstm\u00f6gliches Ausfallsrisiko </div></td><td class=\"c x221 y1597 w137 hf\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">33.401<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y1597 w138 hf\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.374<span class=\"ls0\"> </span></div></td></tr></table>61) Beteiligungsliste gem\u00e4\u00df UGB<span class=\"_ _128\"> </span>Konsoli-<span class=\"_ _128\"> </span>Ergebnis des<span class=\"_ _128\"> </span>Die Gesellschaft hielt per 31. De<span class=\"_ _0\"></span>zember 2022 bei folgenden <span class=\"_ _0\"></span> dierungs-<span class=\"_ _128\"> </span>Kapitalanteil in %<span class=\"_ _128\"> </span>5)<span class=\"_ _128\"> </span>Eigen-letzten Ge-<span class=\"_ _128\"> </span>Jahres-<span class=\"_ _128\"> </span>Anmer-<span class=\"_ _128\"> </span>Unternehmen mindestens 20 % Anteilsbesitz:<span class=\"_ _0\"></span> methode *)<span class=\"_ _128\"> </span>un-<span class=\"_ _128\"> </span>mit-<span class=\"_ _128\"> </span>gesamt<span class=\"_ _128\"> </span>kapital<span class=\"_ _128\"> </span>3)<span class=\"_ _128\"> </span>sch\u00e4ftsjah-<span class=\"_ _128\"> </span>res<span class=\"_ _128\"> </span>4)<span class=\"_ _128\"> </span>abschluss<span class=\"_ _128\"> </span>kung<span class=\"_ _128\"> </span>a) Direkte Beteiligungen<span class=\"_ _128\"> </span>\"AM\" Bau- und Geb<span class=\"_ _0\"></span>\u00e4udevermietung Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"LA\" Geb\u00e4udevermietung u<span class=\"_ _0\"></span>nd Bau - Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SG\" Geb\u00e4udevermietungsgesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SP\" Bau- und G<span class=\"_ _0\"></span>eb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>3 Banken-Generali Invest<span class=\"_ _0\"></span>ment-Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N20,57<span class=\"_ _128\"> </span>20,57<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span>V80,00<span class=\"_ _128\"> </span>80,00<span class=\"_ _128\"> </span>8.293<span class=\"_ _128\"> </span>8<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"_ _128\"> </span> ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> Q50,00<span class=\"_ _128\"> </span>50,00<span class=\"_ _128\"> </span>10.946<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnang<span class=\"_ _0\"></span>-Puchheim<span class=\"_ _128\"> </span>N49,00<span class=\"_ _128\"> </span>49,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-ED<span class=\"_ _0\"></span>V Gesellschaft mbH.)<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>339<span class=\"ls0\"> </span>-7<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"ls0\"> </span>GAIN CAPITAL PRIVATE E<span class=\"_ _0\"></span>QUITY III SCSp<span class=\"_ _128\"> </span>N36,97<span class=\"_ _128\"> </span>36,97<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> N33,11<span class=\"_ _128\"> </span>33,11<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembur<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>N58,69<span class=\"_ _128\"> </span>58,69<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad Hofgast<span class=\"_ _0\"></span>ein<span class=\"_ _128\"> </span>N32,62<span class=\"_ _128\"> </span>32,62<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>17.400<span class=\"_ _128\"> </span>1.123<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1.245<span class=\"_ _128\"> </span>-<span class=\"ls2\">337</span> 09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span>V6,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>2.081<span class=\"_ _128\"> </span>6<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>52.978<span class=\"_ _128\"> </span>16.485<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span>V0,10<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>8.505<span class=\"_ _128\"> </span>899<span class=\"ls0\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>48.080<span class=\"_ _128\"> </span>3.605<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava V15,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>09/2021<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N24,70<span class=\"_ _128\"> </span>24,70<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span><table class=\"s w4a4 h227\" id=\"_05365c28-dd36-456c-baa7-e88d3ce62a4e\"><tr><td class=\"c x174 y186e w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Samson \u010cesk\u00e9 Bud\u011bjovice spol. s.r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span></div></td><td class=\"c x1f4 y186e w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y186e w1d7 hd\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y186e w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y186f w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y186f w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1870 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2d ws0\">TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span></div></td><td class=\"c x1f4 y1870 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1870 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1870 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1871 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1871 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1872 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz </div></td><td class=\"c x1f4 y1872 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1872 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1872 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1873 w4a2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1873 w4a3 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1874 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1874 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1874 w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td class=\"c x1a0 y1874 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1874 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1875 w1d4 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">b) Indirekte Beteiligungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1876 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"ST\" BAU Errichtungs<span class=\"_ _0\"></span>- und Vermietungsgesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1876 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1876 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,90 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1877 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1877 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1878 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1878 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1878 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1878 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1879 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1879 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1879 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00 </div></td><td class=\"c x3ec y1879 w56 he\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.541 </div></td><td class=\"c x3ed y1879 w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.002 </div></td><td class=\"c x3ee y1879 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1879 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Garagen<span class=\"_ _0\"></span> GmbH, Linz </div></td><td class=\"c x1f4 y187a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y187a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">36<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187a w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x3ee y187a w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z </div></td><td class=\"c x1f4 y187b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187b w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">97,50 </div></td><td class=\"c x3ec y187b w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">548<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">82<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y187b w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y187c w4a5 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y187d w4a6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">registrierte Genossenschaft<span class=\"_ _0\"></span> mit beschr\u00e4nkter Haftung, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span></div></td><td class=\"c x1f4 y187e w56 he8\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187e w173 he8\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25,85 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187e wca he8\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling </div></td><td class=\"c x1f4 y187f w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187f w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,90 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1880 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1880 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1880 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1880 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1880 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">942<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1880 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1880 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1881 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z  </div></td><td class=\"c x1f4 y1881 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1881 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1881 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1881 w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3 </div></td><td class=\"c x3ee y1881 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1881 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1882 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1882 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1882 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">66<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1882 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1882 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1883 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Eugendorf <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1883 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1883 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1883 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1883 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">205<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1883 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1883 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1884 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH </div></td><td class=\"c x1f4 y1884 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1884 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90,00 </div></td><td class=\"c x3ec y1884 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1884 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td><td class=\"c x3ee y1884 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1884 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1885 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1885 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1885 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1885 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1885 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1885 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1885 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1886 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Goldkronach Beteiligungs<span class=\"_ _0\"></span> GmbH, Neu\u00f6tting </div></td><td class=\"c x1f4 y1886 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1886 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1886 w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y1886 w56 he\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2 </div></td><td class=\"c x3ee y1886 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1886 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1887 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  </div></td><td class=\"c x1f4 y1887 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1887 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1887 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1887 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">466<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1887 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1887 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1888 w1d4 he9\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals Oberbank Id<span class=\"_ _0\"></span>stein Immobilien-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasing GmbH), Neu\u00f6tting </div></td><td class=\"c x1f4 y1888 w56 he9\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1888 w173 he9\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1888 w56 he9\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1888 w56 he9\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3ee y1888 w11d he9\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1888 wca he9\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1889 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1889 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1889 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1889 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.275 </div></td><td class=\"c x3ed y1889 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">47<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1889 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1889 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">741<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188b w1d4 hea\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6t-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ting  </div></td><td class=\"c x1f4 y188b w56 hea\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188b w173 hea\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,00 </div></td><td class=\"c x3ec y188b w56 hea\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y188b w56 hea\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188b w11d hea\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188b wca hea\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Industrie und Handelsb<span class=\"_ _0\"></span>eteiligungsholding GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188c w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y188c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y17f8 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y17f8 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y188d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz </div></td><td class=\"c x1f4 y188d w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188d w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188d w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">69<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188d w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">459</span> </div></td><td class=\"c x3ee y188d w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188e w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz </div></td><td class=\"c x1f4 y188e w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188e w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188e w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188e w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.428 </div></td><td class=\"c x3ee y188e w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188e wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH Bayern, Neu\u00f6<span class=\"_ _0\"></span>tting </div></td><td class=\"c x1f4 y188f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.746 </div></td><td class=\"c x3ed y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.646 </div></td><td class=\"c x3ee y188f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1890 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF HOLZ, s.r.o., P<span class=\"_ _0\"></span>rag </div></td><td class=\"c x1f4 y1890 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1890 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1890 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.884 </div></td><td class=\"c x3ed y1890 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1890 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1890 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1891 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag </div></td><td class=\"c x1f4 y1891 w56 hd\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1891 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1891 w56 hd\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.581 </div></td><td class=\"c x3ed y1891 w56 hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">256<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1891 w11d hd\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1891 wca hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1892 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1892 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1892 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,80 </div></td><td class=\"c x3ec y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">45<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1892 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1892 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1893 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1893 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1893 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1893 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1893 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">235<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1893 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1893 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1894 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1894 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1894 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1894 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1894 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">557<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1894 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1894 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w4a7 h228\" id=\"_ffd7bab4-9187-4dad-ba6f-77f6f4e22ff1\"><tr><td class=\"c x1a7 y1895 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1895 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y1895 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e4 y1896 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1896 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1897 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x31c y1897 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1897 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1897 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1897 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">182<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1897 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1897 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1898 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenhof Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz </div></td><td class=\"c x31c y1898 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1898 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">87<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1898 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1898 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1899 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1899 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1899 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">75<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1899 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1899 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x31c y189a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189a w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x3e2 y189a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189b w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neustadt I<span class=\"_ _0\"></span>mmobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189c w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">53<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189c w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189c wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189d w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189d w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189d w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">372<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189d w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189d wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting </div></td><td class=\"c x31c y189e w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189e w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94,00 </div></td><td class=\"c x3e0 y189e w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3e1 y189e w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">22<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189e w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189e wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y189f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">27<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a0 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a0 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a0 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a0 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a0 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">26</span> </div></td><td class=\"c x3e2 y18a0 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a0 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a1 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a1 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a1 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a1 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a1 w56 he\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">10</span> </div></td><td class=\"c x3e2 y18a1 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a1 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a2 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz </div></td><td class=\"c x31c y18a2 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a2 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,00 </div></td><td class=\"c x3e0 y18a2 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">70<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a2 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">79</span> </div></td><td class=\"c x3e2 y18a2 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a2 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a3 w1d4 hec\"><div class=\"t m0 x7 h5 ybbf ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Im-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ybc0 ff4 fs2 fc2 sc0 ls0 ws0\">mobilienleasing GmbH), Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y18a3 w56 hec\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a3 w173 hec\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a3 w56 hec\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a3 w56 hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">118<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y18a3 w11d hec\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a3 wca hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a4 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Techno-<span class=\"ls43\">Z </span>Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Braun<span class=\"_ _0\"></span>au </div></td><td class=\"c x31c y18a4 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y18a4 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21,50 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y18a4 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y18a6 w4a8 h171\"><div class=\"t m0 x177 h16 y18a5 ff4 fs6 fc2 sc0 ls44 ws0\">*)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Konsolidi<span class=\"_ _5\"></span>erung im Konzerna<span class=\"_ _5\"></span>bschluss: V =<span class=\"_ _5\"></span> Vollk<span class=\"_ _5\"></span>onsolidierung, E = Be<span class=\"_ _5\"></span>wertung \"at equi<span class=\"_ _5\"></span>ty\", Q = ant<span class=\"_ _5\"></span>eilsm\u00e4\u00dfige Kons<span class=\"_ _5\"></span>olidierun<span class=\"_ _5\"></span>g, N = gem\u00e4\u00df IAS 27 in Verbind<span class=\"_ _5\"></span>ung mit Framework 29 <span class=\"_ _5\"></span>nicht i<span class=\"_ _5\"></span>n den Konzernabschlus<span class=\"_ _5\"></span>s einbezogen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a7 w4a9 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) <span class=\"_ _3d\"></span>verbundenes <span class=\"_ _3d\"></span>Unternehmen; <span class=\"_ _3d\"></span>2) <span class=\"_ _5\"></span>Ergebnisabf\u00fchr<span class=\"_ _5\"></span>ungsvertrag; <span class=\"_ _3d\"></span>3) <span class=\"_ _5\"></span>einschlie<span class=\"_ _5\"></span>\u00dflich <span class=\"_ _3d\"></span>unversteuerter <span class=\"_ _3d\"></span>R\u00fccklagen; <span class=\"_ _3d\"></span>4) Jah<span class=\"_ _5\"></span>res\u00fcberschu<span class=\"_ _5\"></span>ss <span class=\"_ _3d\"></span>gem<span class=\"_ _0\"></span>. \u00a7<span class=\"_ _5\"></span> <span class=\"_ _3d\"></span>231 Abs. <span class=\"_ _3d\"></span>2 <span class=\"_ _5\"></span>Z <span class=\"_ _3d\"></span>21 <span class=\"_ _5\"></span>UGB; <span class=\"_ _3d\"></span>5) <span class=\"_ _5\"></span>mittelbare <span class=\"_ _3d\"></span>Beteiligungen <span class=\"_ _3d\"></span>an <span class=\"_ _5\"></span>Kredit- <span class=\"_ _3d\"></span>und <span class=\"_ _5\"></span>Finanzinst<span class=\"_ _5\"></span>ituten <span class=\"_ _3d\"></span>wurden<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a9 w4aa h17a\"><div class=\"t m0 x177 h6 y18a8 ff4 fs4 fc2 sc0 ls0 ws0\">gem\u00e4\u00df \u00a7 <span class=\"ls1b\">30 </span>BWG b<span class=\"_ _5\"></span>erechne<span class=\"_ _5\"></span>t, mittel<span class=\"_ _5\"></span>bare Beteili<span class=\"_ _5\"></span>gungen an andere<span class=\"_ _5\"></span>n Unternehmen wurden <span class=\"_ _5\"></span>gem\u00e4\u00df UGB bere<span class=\"_ _5\"></span>chnet; 6)<span class=\"_ _5\"></span> von \u00a7 242 Abs. 2 UG<span class=\"_ _5\"></span>B wird Ge<span class=\"_ _5\"></span>brauch gemacht</div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-475": {
   "value": "NACH IFRS 11 KONSOLIDIERTE UNTE<span class=\"_ _0\"></span>RNEHMEN (GEMEINSCHAFTLICHE T\u00c4TIGKEIT)<span class=\"_ _128\"> </span>Anteil in %<span class=\"_ _128\"> </span>ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> 50,00<span class=\"_ _128\"> </span>Angaben zu gemeinsc<span class=\"_ _0\"></span>haftlichen T\u00e4tigkeiten<span class=\"_ _128\"> </span>Zu den Rechnungslegungsmeth<span class=\"_ _0\"></span>oden siehe Punkt 2) in den E<span class=\"_ _0\"></span>rl\u00e4uterungen (Notes) zum Kon<span class=\"_ _0\"></span>zernabschluss, Abschnitt Konsoli-<span class=\"_ _128\"> </span>dierungsmethoden. D<span class=\"_ _0\"></span>er Oberbank Konzern h\u00e4lt einen Anteil von 50 % an der A<span class=\"_ _0\"></span>LPENL\u00c4NDISCHE GARANTIE<span class=\"_ _1\"></span>-GESELLSCHAFT<span class=\"_ _128\"> </span>m.b.H, einer zusammen mit sein<span class=\"_ _0\"></span>en Schwesterban<span class=\"_ _0\"></span>ken BKS Bank AG und Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft ge-<span class=\"_ _128\"> </span>bildeten gemeinsamen Vereinbarun<span class=\"_ _0\"></span>g. Der Zweck der Gesellschaft ist die Garantie von Gro\u00df<span class=\"_ _0\"></span>kreditrisiken im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span>der Gesellschafterbanken. D<span class=\"_ _0\"></span>er Hauptsitz ihrer Gesch<span class=\"_ _0\"></span>\u00e4ftst\u00e4tigkeit befindet sich in \u00d6sterr<span class=\"_ _0\"></span>eich. Obwohl die ALPENL\u00c4NDISCHE<span class=\"_ _128\"> </span>GARANTIE-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H von den<span class=\"_ _0\"></span> Parteien rechtlich unabh\u00e4ngig ist, wird sie vom Oberban<span class=\"_ _0\"></span>k Konzern und seinen<span class=\"_ _128\"> </span>Schwesterbanken als eine gemeinschaftliche T\u00e4t<span class=\"_ _0\"></span>igkeit eingestuft. Dies gesc<span class=\"_ _0\"></span>hieht deshalb<span class=\"_ _0\"></span>, da der f\u00fcr die Deckung der Gro\u00df-<span class=\"_ _128\"> </span>kredite gebildete Deckungsfonds au<span class=\"_ _0\"></span>sschlie\u00dflich den Gesellschafterbanken zur Verf\u00fc<span class=\"_ _0\"></span>gung steht und durch Einzahlungen von<span class=\"_ _0\"></span> ihnen gebildet wurd<span class=\"_ _0\"></span>e. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-476": {
   "value": "AT EQUITY BEWERTE<span class=\"_ _0\"></span>TE ASSOZIIERTE UNTERNEHMEN<span class=\"_ _128\"> </span>Anteil in %<span class=\"_ _128\"> </span>Bank f\u00fcr Tirol und Vorarlberg <span class=\"_ _0\"></span>Aktiengesellschaft, Innsbruck<span class=\"_ _0\"></span> 13,85<span class=\"_ _128\"> </span>BKS Bank AG, Klagenfurt<span class=\"_ _0\"></span> 18,52<span class=\"_ _128\"> </span>voestalpine AG, Linz<span class=\"_ _128\"> </span>8,04<span class=\"_ _128\"> </span>B. ASSOZIIERTE UNTERNE<span class=\"_ _0\"></span>HMEN<span class=\"_ _128\"> </span>3 Banken-Generali Inv<span class=\"_ _0\"></span>estment-Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> <span class=\"_ _51\"> </span>20,57<span class=\"_ _128\"> </span>3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz <span class=\"_ _52\"> </span>40,00<span class=\"_ _128\"> </span>3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> <span class=\"_ _53\"> </span>40,00<span class=\"_ _128\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz <span class=\"_ _54\"> </span>40,00<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnan<span class=\"_ _0\"></span>g-Puchheim <span class=\"_ _55\"> </span>49,00<span class=\"_ _128\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-E<span class=\"_ _0\"></span>DV Gesellschaft m.b.H.) <span class=\"_ _56\"> </span>40,00<span class=\"_ _128\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> <span class=\"_ _57\"> </span>33,11<span class=\"_ _128\"> </span>Gain Capital Private Equity III SCSp<span class=\"_ _0\"></span> <span class=\"_ _58\"> </span>36,97<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad <span class=\"_ _0\"></span>Hofgastein <span class=\"_ _59\"> </span>32,62<span class=\"_ _128\"> </span>GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige registrierte Genossenschaft mit<span class=\"_ _0\"></span> beschr\u00e4nkter Haftung, Linz<span class=\"_ _0\"></span> <span class=\"_ _5a\"> </span>25,16<span class=\"_ _128\"> </span>Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling <span class=\"_ _5b\"> </span>24,90<span class=\"_ _128\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz <span class=\"_ _5c\"> </span>24,7<span class=\"_ _128\"> </span>Techno-Z Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Brau<span class=\"_ _0\"></span>nau <span class=\"_ _5d\"> </span>21,50<span class=\"_ _128\"> </span>Angaben zu asso<span class=\"_ _0\"></span>ziierten Unternehmen<span class=\"_ _128\"> </span>Zu <span class=\"_ _76\"> </span>den <span class=\"_ _76\"> </span>Rechnungslegungsmethoden <span class=\"_ _76\"> </span>siehe <span class=\"_ _76\"> </span>Punkt <span class=\"_ _76\"> </span>2) <span class=\"_ _76\"> </span>in <span class=\"_ _3c\"> </span>d<span class=\"_ _0\"></span>en <span class=\"_ _3c\"> </span>Erl\u00e4uterungen <span class=\"_ _76\"> </span>(Not<span class=\"_ _0\"></span>es) <span class=\"_ _3c\"> </span>zu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span> <span class=\"_ _76\"> </span>Konzernabschluss, <span class=\"_ _76\"> </span>Abschnitt Konsolidierungsmethod<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>. <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>er <span class=\"_ _1\"></span>Oberb<span class=\"_ _0\"></span>ank <span class=\"_ _12\"></span>Ko<span class=\"_ _5\"></span>nzern <span class=\"_ _1\"></span>h<span class=\"_ _0\"></span>at <span class=\"_ _12\"></span>zum <span class=\"_ _1\"></span>31.12.2022 <span class=\"_ _12\"></span>drei <span class=\"_ _1\"></span>assoziierte <span class=\"_ _12\"></span>Unternehmen, <span class=\"_ _1\"></span>die <span class=\"_ _12\"></span>nach <span class=\"_ _1\"></span>der <span class=\"_ _12\"></span>Equity<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>Methode bilanziert werden.<span class=\"_ _128\"> </span>BKS Bank AG<span class=\"_ _128\"> </span>Bank f\u00fcr Tirol und Vorarl-<span class=\"_ _128\"> </span>berg Aktiengesellschaft<span class=\"_ _0\"></span> voestalpine AG<span class=\"_ _128\"> </span>Art der Beziehung<span class=\"_ _128\"> </span>Strategischer Bankpartn<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Strategischer Bankpartn<span class=\"_ _0\"></span>erStrategischer Partner<span class=\"_ _128\"> </span>Art der T\u00e4tigkeit<span class=\"_ _128\"> </span>Kreditinstitut<span class=\"_ _128\"> </span>Kreditinstitut<span class=\"_ _128\"> </span>Stahlbasierter Technologie<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>und Industrieg\u00fcterkonzern<span class=\"_ _0\"></span> Hauptsitz der Gesch\u00e4ftst\u00e4-<span class=\"_ _128\"> </span>tigkeit<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>\u00d6sterreich<span class=\"_ _128\"> </span>Kapitalanteil<span class=\"_ _128\"> </span>18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span>13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span>8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span>Stimmanteil<span class=\"_ _128\"> </span>18,52 % (2021: 18,52 %)<span class=\"_ _128\"> </span>13,85 % (2021: 13,85 %)<span class=\"_ _128\"> </span>8,04 % (2021: 8,04 %)<span class=\"_ _128\"> </span>Beizulegender Zeitwert des<span class=\"_ _128\"> </span>Eigentumsanteils (sofern<span class=\"_ _128\"> </span>b\u00f6rsennotiert)<span class=\"_ _128\"> </span>111.336 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 121.674 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>192.299 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 148.952 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>355.820 Tsd. Euro<span class=\"_ _128\"> </span>(2021: 459.494 Tsd. Eur<span class=\"_ _0\"></span>o)<span class=\"_ _128\"> </span>Es <span class=\"_ _0\"></span>folgen <span class=\"_ _0\"></span>zusammengefasste <span class=\"_ _0\"></span>Finanzinformationen <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>die <span class=\"_ _0\"></span>assoziierten <span class=\"_ _0\"></span>U<span class=\"_ _0\"></span>nternehmen <span class=\"_ _0\"></span>BKS <span class=\"_ _0\"></span>Bank AG, <span class=\"_ _0\"></span>Bank <span class=\"_ _0\"></span>f\u00fcr <span class=\"_ _0\"></span>Tirol und <span class=\"_ _0\"></span>Vorarl-<span class=\"_ _128\"> </span>berg <span class=\"_ _12\"></span>Aktiengesellschaft <span class=\"_ _12\"></span>(Kreditinstitut<span class=\"_ _0\"></span>e) <span class=\"_ _12\"></span>und <span class=\"_ _12\"></span>voestalpine <span class=\"_ _12\"></span>AG <span class=\"_ _12\"></span>(Sonstige). <span class=\"_ _12\"></span>Die <span class=\"_ _1\"></span>D<span class=\"_ _0\"></span>aten <span class=\"_ _12\"></span>basieren <span class=\"_ _12\"></span>auf <span class=\"_ _12\"></span>den <span class=\"_ _12\"></span>jeweiligen <span class=\"_ _12\"></span>Konzernab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>schl\u00fcssen, die nach IFRS erst<span class=\"_ _0\"></span>ellt wurden.<span class=\"_ _128\"> </span>Kreditinstitute<span class=\"_ _128\"> </span>Sonstige<span class=\"_ _128\"> </span>BKS<span class=\"_ _128\"> </span>BTV<span class=\"_ _128\"> </span>voestalpine<span class=\"_ _128\"> </span>in Tsd. \u20ac<span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Erl\u00f6se<span class=\"_ _128\"> </span>236.730257.266347.704278.90517.175.50013.199.400<span class=\"_ _128\"> </span>Gewinn/Verlust aus fortzuf\u00fchrend<span class=\"_ _0\"></span>en Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsbereichen<span class=\"_ _128\"> </span>61.583102.887<span class=\"_ _128\"> </span>98.320<span class=\"_ _128\"> </span>78.4151.559.700793.200<span class=\"_ _128\"> </span>Gewinn/Verlust nach Steuern<span class=\"_ _0\"></span> aus aufge-<span class=\"_ _128\"> </span>gebenen Gesch\u00e4ftsbereichen<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>Sonstiges Ergebnis<span class=\"_ _128\"> </span>4.74214.886<span class=\"_ _128\"> </span>8.485<span class=\"_ _128\"> </span>9.510133.500116.900<span class=\"_ _128\"> </span>Gesamtergebnis<span class=\"_ _128\"> </span>66.325117.773106.805<span class=\"_ _128\"> </span>87.9251.693.200910.100<span class=\"_ _128\"> </span>Kurzfristige Verm\u00f6genswerte<span class=\"_ _128\"> </span>1.200.7161.606.1522.926.3653.117.0009.347.8007.216.900<span class=\"_ _128\"> </span>Langfristige Verm\u00f6genswerte<span class=\"_ _0\"></span> K<span class=\"_ _128\"> </span>9.360.9968.828.80511.323.15310.836.8487.796.0008.219.400<span class=\"_ _128\"> </span>Kurzfristige Schulden<span class=\"_ _128\"> </span>L<span class=\"_ _128\"> </span>862.051758.6652.598.7152.608.2456.061.9005.253.600<span class=\"_ _128\"> </span>Langfristige Schulden<span class=\"_ _128\"> </span>8.194.0678.233.3109.672.0269.474.0253.549.0004.105.200<span class=\"_ _128\"> </span>Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span>der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span>resbeginn<span class=\"_ _128\"> </span>255.534235.677252.858240.745492.372420.724<span class=\"_ _128\"> </span>Zurechenbares Gesamtergebn<span class=\"_ _0\"></span>is<span class=\"_ _128\"> </span>13.42421.764<span class=\"_ _128\"> </span>15.838<span class=\"_ _128\"> </span>13.21976.106<span class=\"_ _128\"> </span>78.828<span class=\"_ _128\"> </span>Erhaltene Dividenden<span class=\"_ _0\"></span> im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>1.829<span class=\"_ _128\"> </span>1.907<span class=\"_ _128\"> </span>1.414<span class=\"_ _128\"> </span>1.10517.231<span class=\"_ _128\"> </span>7.180<span class=\"_ _128\"> </span>Zug\u00e4nge im Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>13.987<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<table class=\"s w3e8 h1e9\" id=\"_474c0de0-7e14-4d6a-b032-d3ed6911f857\"><tr><td class=\"c x178 y1588 w3e6 h1ea\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">Anteil des Konzerns am Netto<span class=\"_ _0\"></span>verm\u00f6gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1589 w3e7 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">der assoziierten Unterneh<span class=\"_ _0\"></span>men zum Jah-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y158a w3e9 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">resende<span class=\"_ _128\"> </span></div></td><td class=\"c x2ea y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">267.129 </div></td><td class=\"c x2ed y1075 w113 hb3\"><div class=\"t m0 x59 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.534 </div></td><td class=\"c x2ec y1075 w133 hb3\"><div class=\"t m0 x70 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">281.269 </div></td><td class=\"c x1d7 y1075 wef hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.858 </div></td><td class=\"c x2eb y1075 w134 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">551.247 </div></td><td class=\"c x2ee y1075 w135 hb3\"><div class=\"t m0 x87 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">492.372 </div></td></tr></table>F\u00fcr die Beteiligung an der BKS Bank AG <span class=\"_ _0\"></span>besteht zwischen der Oberbank AG, der Ban<span class=\"_ _0\"></span>k f\u00fcr Tirol und Vorarlberg Aktiengesell-<span class=\"_ _128\"> </span>schaft und der Gen<span class=\"_ _0\"></span>erali 3Banken Holding AG bzw. f\u00fcr die Beteiligung an der Bank f\u00fc<span class=\"_ _0\"></span>r Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span>besteht zwisch<span class=\"_ _0\"></span>en der Oberbank AG, der BKS Bank AG und der Generali 3Banken Hold<span class=\"_ _0\"></span>ing AG jeweils ein Syndikatsvertrag.<span class=\"_ _128\"> </span>Zweck der Syndikate ist<span class=\"_ _0\"></span> es, die Eigenst\u00e4ndigkeit der BKS Ban<span class=\"_ _0\"></span>k AG bzw. der Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft<span class=\"_ _128\"> </span>zu erhalten. Die E<span class=\"_ _0\"></span>inbeziehung von BKS Bank AG un<span class=\"_ _0\"></span>d Bank f\u00fcr Tirol und Vorarlberg Aktiengesellschaft b<span class=\"_ _0\"></span>eruht auf diesen Syn-<span class=\"_ _128\"> </span>dikatsvertr\u00e4gen. Die Einbeziehung d<span class=\"_ _0\"></span>es voestalpine-Ko<span class=\"_ _0\"></span>nzerns beruht vor allem auf dem nachh<span class=\"_ _0\"></span>altig strategischen Gehalt der<span class=\"_ _128\"> </span>Eigent\u00fcmerstruktur und der damit bestehend<span class=\"_ _0\"></span>en M\u00f6<span class=\"_ _0\"></span>glichkeit, ma\u00dfgeblichen Einfluss au<span class=\"_ _0\"></span>szu\u00fcben. Als strategischer Investor<span class=\"_ _128\"> </span>stellt die Oberbank AG dar\u00fcb<span class=\"_ _0\"></span>er hinaus einen Vertreter im Aufsichtsrat<span class=\"_ _0\"></span> der voestalpine AG. Der Stichtag f\u00fcr die Einbeziehung<span class=\"_ _128\"> </span>der assoziierten Unterneh<span class=\"_ _0\"></span>men ist jeweils der 30. September, <span class=\"_ _0\"></span>um eine zeitnahe Jahresabschlu<span class=\"_ _0\"></span>sserstellung zu erm\u00f6glichen.<span class=\"_ _0\"></span> Auswirkungen bedeutend<span class=\"_ _0\"></span>er Gesch\u00e4ftsvorf\u00e4lle oder anderer Ereignisse zwischen dem Berichtsst<span class=\"_ _0\"></span>ichtag und dem Kon<span class=\"_ _0\"></span>zernab-<span class=\"_ _128\"> </span>schlussstichtag werden, s<span class=\"_ _0\"></span>ofern gege<span class=\"_ _5\"></span>ben, ber\u00fccksichtigt.<span class=\"_ _0\"></span> D<span class=\"_ _0\"></span>ie nicht in den Konzernabs<span class=\"_ _0\"></span>chluss aufgenommenen assoziierten<span class=\"_ _128\"> </span>Unternehmen wiesen zum Bilanzst<span class=\"_ _0\"></span>ichtag folgende Werte (UGB) aus:<span class=\"_ _0\"></span> <table class=\"s w3ea h176\" id=\"_740229cb-305e-43e3-aabc-668db20660c8\"><tr><td class=\"c x174 y158b w136 hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td class=\"c x2ef y158b w137 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td class=\"c x2f0 y158b w138 hc\"><div class=\"t m0 xa8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2021<span class=\"ff4 ls0\"> </span></div></td></tr><tr><td class=\"c x174 y158c w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6gensgegenst\u00e4nde </div></td><td class=\"c x2ef y158c w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">265.351 </div></td><td class=\"c x2f0 y158c w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.384 </div></td></tr><tr><td class=\"c x174 y158d w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schulden </div></td><td class=\"c x2ef y158d w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">168.166 </div></td><td class=\"c x2f0 y158d w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.717 </div></td></tr><tr><td class=\"c x174 y158e w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Erl\u00f6se </div></td><td class=\"c x2ef y158e w137 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">173.451 </div></td><td class=\"c x2f0 y158e w138 hf\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.098 </div></td></tr><tr><td class=\"c x174 y158f w136 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Periodengewinne/<span class=\"_ _0\"></span>-verluste </div></td><td class=\"c x2ef y158f w137 hf\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.830 </div></td><td class=\"c x2f0 y158f w138 hf\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.089 </div></td></tr></table>Da es sich bei diesen Werten um UGB<span class=\"_ _0\"></span>-Werte handelt, konnte eine Au<span class=\"_ _0\"></span>fgliederung gem\u00e4\u00df IFRS 12 nach fo<span class=\"_ _0\"></span>rtgef\u00fchrten/ aufgegebenen Gesch\u00e4ftsbereichen b<span class=\"_ _0\"></span>zw. nach Sonstiges Ergebnis/Gesamt<span class=\"_ _0\"></span>ergebnis nicht vorgenommen werden.<span class=\"_ _1\"></span> 61) Beteiligungsliste gem\u00e4\u00df UGB<span class=\"_ _128\"> </span>Konsoli-<span class=\"_ _128\"> </span>Ergebnis des<span class=\"_ _128\"> </span>Die Gesellschaft hielt per 31. De<span class=\"_ _0\"></span>zember 2022 bei folgenden <span class=\"_ _0\"></span> dierungs-<span class=\"_ _128\"> </span>Kapitalanteil in %<span class=\"_ _128\"> </span>5)<span class=\"_ _128\"> </span>Eigen-letzten Ge-<span class=\"_ _128\"> </span>Jahres-<span class=\"_ _128\"> </span>Anmer-<span class=\"_ _128\"> </span>Unternehmen mindestens 20 % Anteilsbesitz:<span class=\"_ _0\"></span> methode *)<span class=\"_ _128\"> </span>un-<span class=\"_ _128\"> </span>mit-<span class=\"_ _128\"> </span>gesamt<span class=\"_ _128\"> </span>kapital<span class=\"_ _128\"> </span>3)<span class=\"_ _128\"> </span>sch\u00e4ftsjah-<span class=\"_ _128\"> </span>res<span class=\"_ _128\"> </span>4)<span class=\"_ _128\"> </span>abschluss<span class=\"_ _128\"> </span>kung<span class=\"_ _128\"> </span>a) Direkte Beteiligungen<span class=\"_ _128\"> </span>\"AM\" Bau- und Geb<span class=\"_ _0\"></span>\u00e4udevermietung Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"LA\" Geb\u00e4udevermietung u<span class=\"_ _0\"></span>nd Bau - Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SG\" Geb\u00e4udevermietungsgesellschaft<span class=\"_ _0\"></span> m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>\"SP\" Bau- und G<span class=\"_ _0\"></span>eb\u00e4udevermietungsgesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>3 Banken-Generali Invest<span class=\"_ _0\"></span>ment-Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N20,57<span class=\"_ _128\"> </span>20,57<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3-Banken Wohnb<span class=\"_ _0\"></span>aubank AG, Linz<span class=\"_ _128\"> </span>V80,00<span class=\"_ _128\"> </span>80,00<span class=\"_ _128\"> </span>8.293<span class=\"_ _128\"> </span>8<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"_ _128\"> </span> ALPENL\u00c4NDISCHE GARANTIE<span class=\"_ _0\"></span>-GESELLSCHAFT m.b.H., Linz<span class=\"_ _0\"></span> Q50,00<span class=\"_ _128\"> </span>50,00<span class=\"_ _128\"> </span>10.946<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>Beteiligungsverwaltun<span class=\"_ _0\"></span>g Gesellschaft m.b.H., Linz<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Betriebsobjekte Verwertung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Biow\u00e4rme Attnang<span class=\"_ _0\"></span>-Puchheim GmbH, Attnang<span class=\"_ _0\"></span>-Puchheim<span class=\"_ _128\"> </span>N49,00<span class=\"_ _128\"> </span>49,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>3 Banken IT GmbH, Lin<span class=\"_ _0\"></span>z (vorm. DREI-BANKEN-ED<span class=\"_ _0\"></span>V Gesellschaft mbH.)<span class=\"_ _128\"> </span>N40,00<span class=\"_ _128\"> </span>40,00<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Donaul\u00e4nde Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>339<span class=\"ls0\"> </span>-7<span class=\"_ _128\"> </span>2022<span class=\"ls0\"> </span>1)<span class=\"ls0\"> </span>GAIN CAPITAL PRIVATE E<span class=\"_ _0\"></span>QUITY III SCSp<span class=\"_ _128\"> </span>N36,97<span class=\"_ _128\"> </span>36,97<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS II S.A. SICAR, Luxemburg<span class=\"_ _0\"></span> N33,11<span class=\"_ _128\"> </span>33,11<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>GAIN CAPITAL PARTICIPAT<span class=\"_ _0\"></span>IONS SA, SICAR, Luxembur<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>N58,69<span class=\"_ _128\"> </span>58,69<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Gasteiner Bergbahnen Akt<span class=\"_ _0\"></span>iengesellsc<span class=\"_ _5\"></span>haft, Bad Hofgast<span class=\"_ _0\"></span>ein<span class=\"_ _128\"> </span>N32,62<span class=\"_ _128\"> </span>32,62<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span>Ober Finanz Leasing gAG, Bud<span class=\"_ _0\"></span>apest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>17.400<span class=\"_ _128\"> </span>1.123<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Ober Leasing Gesellschaft mit beschr\u00e4nkt<span class=\"_ _0\"></span>er Haftung, <span class=\"_ _0\"></span>Budapest<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1.245<span class=\"_ _128\"> </span>-<span class=\"ls2\">337</span> 09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Beteiligungsho<span class=\"_ _0\"></span>lding Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Immobilien Leasing Gmb<span class=\"_ _0\"></span>H Bayern, Neu\u00f6tting<span class=\"_ _128\"> </span>V6,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>2.081<span class=\"_ _128\"> </span>6<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Immobilien<span class=\"_ _0\"></span>-Service Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>OBERBANK LEASING GESELLSCHAFT M<span class=\"_ _0\"></span>BH., Linz<span class=\"_ _128\"> </span>V<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>52.978<span class=\"_ _128\"> </span>16.485<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>Oberbank Leasing s.r.o<span class=\"_ _0\"></span>., Bratislava<span class=\"_ _128\"> </span>V0,10<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>8.505<span class=\"_ _128\"> </span>899<span class=\"ls0\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>Oberbank Leasing spo<span class=\"_ _0\"></span>l. s.r.o., Prag<span class=\"_ _128\"> </span>V1,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>48.080<span class=\"_ _128\"> </span>3.605<span class=\"_ _128\"> </span>09/2022<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>OBERBANK NUTZOBJEKTE VE<span class=\"_ _0\"></span>RMIETUNGS-GE<span class=\"_ _0\"></span>SELLSCHAFT m.b.H., Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Opportun<span class=\"_ _0\"></span>ity Invest Management Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank PE Holding Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Untern<span class=\"_ _0\"></span>ehmensbeteiligung GmbH, Linz<span class=\"_ _128\"> </span>N<span class=\"_ _128\"> </span>100,0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>1)<span class=\"_ _128\"> </span>2)<span class=\"_ _128\"> </span>6)<span class=\"_ _128\"> </span>Oberbank Leasing Prievidza s.r<span class=\"_ _0\"></span>.o., Bratislava V15,00<span class=\"_ _128\"> </span>100,00<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>0<span class=\"_ _128\"> </span>09/2021<span class=\"_ _128\"> </span>1)<span class=\"ls0\"> </span>O\u00d6 HightechFonds Gmb<span class=\"_ _0\"></span>H, Linz<span class=\"_ _128\"> </span>N24,70<span class=\"_ _128\"> </span>24,70<span class=\"_ _128\"> </span>6)<span class=\"ls0\"> </span><table class=\"s w4a4 h227\" id=\"_05365c28-dd36-456c-baa7-e88d3ce62a4e\"><tr><td class=\"c x174 y186e w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">Samson \u010cesk\u00e9 Bud\u011bjovice spol. s.r<span class=\"_ _0\"></span>.o., Budweis<span class=\"ff4\"> </span></div></td><td class=\"c x1f4 y186e w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y186e w1d7 hd\"><div class=\"t m0 x5c h5 y84 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y186e w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y186f w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y186f w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1870 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls2d ws0\">TZ<span class=\"ls0\">-Verm\u00f6gensverwaltungs GmbH, Linz</span><span class=\"ls0\"><span class=\"_ _0\"></span> </span></div></td><td class=\"c x1f4 y1870 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1870 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1870 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1871 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1871 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1872 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Service GmbH, Linz </div></td><td class=\"c x1f4 y1872 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1872 w1d7 hf\"><div class=\"t m0 x5c h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">100,0<span class=\"_ _128\"> </span></div><div class=\"t m0 x54 h5 yb6 ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x1a0 y1872 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1873 w4a2 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1873 w4a3 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1874 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3 Banken Versicherungsmakler Gesellschaft m.b.H., In<span class=\"_ _0\"></span>nsbruck<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1874 w56 he\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x203 y1874 w1d7 he\"><div class=\"t m0 x5c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td class=\"c x1a0 y1874 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1874 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1875 w1d4 hf\"><div class=\"t m0 x7 h6 y84 ff5 fs2 fc2 sc0 ls0 ws0\">b) Indirekte Beteiligungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1876 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\"ST\" BAU Errichtungs<span class=\"_ _0\"></span>- und Vermietungsgesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1876 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1876 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,90 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y1877 w4a2 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y1877 w4a3 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y1878 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Beteiligung Gesellschaft m.b<span class=\"_ _0\"></span>.H., Linz </div></td><td class=\"c x1f4 y1878 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y1878 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40,00 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y1878 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1879 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3-Banken Kfz-Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1879 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1879 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80,00 </div></td><td class=\"c x3ec y1879 w56 he\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.541 </div></td><td class=\"c x3ed y1879 w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.002 </div></td><td class=\"c x3ee y1879 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1879 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Garagen<span class=\"_ _0\"></span> GmbH, Linz </div></td><td class=\"c x1f4 y187a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y187a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">36<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187a w56 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x3ee y187a w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Donaul\u00e4nde Invest GmbH, Lin<span class=\"_ _0\"></span>z </div></td><td class=\"c x1f4 y187b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y187b w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">97,50 </div></td><td class=\"c x3ec y187b w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">548<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y187b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">82<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y187b w11d hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x3eb y187b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y187c w4a5 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">GSA Genossenschaft f\u00fc<span class=\"_ _0\"></span>r Stadterneuerung und Assanierun<span class=\"_ _0\"></span>g, gemeinn\u00fctzige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y187d w4a6 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">registrierte Genossenschaft<span class=\"_ _0\"></span> mit beschr\u00e4nkter Haftung, Lin<span class=\"_ _0\"></span>z<span class=\"_ _128\"> </span></div></td><td class=\"c x1f4 y187e w56 he8\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187e w173 he8\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25,85 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187e wca he8\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y187f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Herold NZ Verwaltung Gmb<span class=\"_ _0\"></span>H, M\u00f6dling </div></td><td class=\"c x1f4 y187f w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y187f w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24,90 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3eb y187f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1880 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Bergbahnen Leasing GmbH, Linz <span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1880 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1880 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1880 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1880 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">942<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1880 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1880 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1881 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank airplane 2 Leasing GmbH, Lin<span class=\"_ _0\"></span>z  </div></td><td class=\"c x1f4 y1881 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1881 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1881 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1881 w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3 </div></td><td class=\"c x3ee y1881 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1881 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1882 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Reder Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1882 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1882 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1882 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">66<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1882 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1882 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1)  </div></td></tr><tr><td class=\"c x174 y1883 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Eugendorf <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1883 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1883 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1883 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1883 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">205<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1883 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1883 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1884 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Fran<span class=\"_ _0\"></span>k Immobilienleasing GmbH </div></td><td class=\"c x1f4 y1884 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1884 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90,00 </div></td><td class=\"c x3ec y1884 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1884 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">15</span> </div></td><td class=\"c x3ee y1884 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1884 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1885 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank FSS Immobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1885 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1885 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1885 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1885 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1885 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1885 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1886 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Goldkronach Beteiligungs<span class=\"_ _0\"></span> GmbH, Neu\u00f6tting </div></td><td class=\"c x1f4 y1886 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1886 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1886 w56 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y1886 w56 he\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2 </div></td><td class=\"c x3ee y1886 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1886 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1887 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leobendorf Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz  </div></td><td class=\"c x1f4 y1887 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1887 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1887 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1887 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">466<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1887 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1887 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1888 w1d4 he9\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Immobilien Abwicklung 01 Gmb<span class=\"_ _0\"></span>H (vormals Oberbank Id<span class=\"_ _0\"></span>stein Immobilien-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Leasing GmbH), Neu\u00f6tting </div></td><td class=\"c x1f4 y1888 w56 he9\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1888 w173 he9\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1888 w56 he9\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1888 w56 he9\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3ee y1888 w11d he9\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1888 wca he9\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1889 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilie-Bergheim <span class=\"_ _0\"></span>Leasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1889 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1889 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1889 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.275 </div></td><td class=\"c x3ed y1889 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">47<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1889 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1889 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">741<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188a w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188b w1d4 hea\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Immobilien<span class=\"_ _0\"></span>-Leasing GmbH Bayern &amp; Co. KG Go<span class=\"_ _0\"></span>ldkronach, Neu\u00f6t-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ting  </div></td><td class=\"c x1f4 y188b w56 hea\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188b w173 hea\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6,00 </div></td><td class=\"c x3ec y188b w56 hea\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7 </div></td><td class=\"c x3ed y188b w56 hea\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y188b w11d hea\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188b wca hea\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Industrie und Handelsb<span class=\"_ _0\"></span>eteiligungsholding GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y188c w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td></td><td class=\"c x1a0 y188c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e9 y17f8 w4a2 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3ea y17f8 w4a3 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x174 y188d w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank KB Leasing Gesellschaft<span class=\"_ _0\"></span> m.b.H., Linz </div></td><td class=\"c x1f4 y188d w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188d w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188d w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">69<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188d w56 hf\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">459</span> </div></td><td class=\"c x3ee y188d w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188d wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188e w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Kfz-Leasing GmbH, Li<span class=\"_ _0\"></span>nz </div></td><td class=\"c x1f4 y188e w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188e w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188e w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y188e w56 he\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.428 </div></td><td class=\"c x3ee y188e w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188e wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y188f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing GmbH Bayern, Neu\u00f6<span class=\"_ _0\"></span>tting </div></td><td class=\"c x1f4 y188f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y188f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.746 </div></td><td class=\"c x3ed y188f w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.646 </div></td><td class=\"c x3ee y188f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y188f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1890 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing JAF HOLZ, s.r.o., P<span class=\"_ _0\"></span>rag </div></td><td class=\"c x1f4 y1890 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1890 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">95,00 </div></td><td class=\"c x3ec y1890 w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.884 </div></td><td class=\"c x3ed y1890 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1890 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1890 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1891 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Leasing Palamon<span class=\"_ _0\"></span> s.r.o., Prag </div></td><td class=\"c x1f4 y1891 w56 hd\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1891 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1891 w56 hd\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.581 </div></td><td class=\"c x3ed y1891 w56 hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">256<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1891 w11d hd\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1891 wca hd\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1892 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank MLC <span class=\"_ _0\"></span>- Pernau Immobilienleasing GmbH, Linz </div></td><td class=\"c x1f4 y1892 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1892 w173 he\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,80 </div></td><td class=\"c x3ec y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1892 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">45<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1892 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1892 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1893 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating Mobilienleasing Gmb<span class=\"_ _0\"></span>H, Linz </div></td><td class=\"c x1f4 y1893 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1893 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1893 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1893 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">235<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1893 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1893 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y1894 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Operating OPR <span class=\"_ _0\"></span>Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x1f4 y1894 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td></td><td class=\"c x1a0 y1894 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3ec y1894 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3ed y1894 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">557<span class=\"ls0\"> </span></div></td><td class=\"c x3ee y1894 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3eb y1894 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr></table><table class=\"s w4a7 h228\" id=\"_ffd7bab4-9187-4dad-ba6f-77f6f4e22ff1\"><tr><td class=\"c x1a7 y1895 w1d4 hd\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank PE Beteiligungen GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1895 w56 hd\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y1895 w173 hd\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td></td><td></td><td></td><td class=\"c x3e4 y1896 w4a2 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x3e5 y1896 w4a3 h150\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">6)<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1a7 y1897 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Pernau Immob<span class=\"_ _0\"></span>ilienleasing GmbH, Linz </div></td><td class=\"c x31c y1897 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1897 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1897 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1897 w56 hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">182<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1897 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1897 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1898 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Riesenhof Immo<span class=\"_ _0\"></span>bilienleasing GmbH, Linz </div></td><td class=\"c x31c y1898 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1898 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1898 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">87<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1898 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1898 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y1899 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Seiersberg Immobilienleasing Gesellschaft m.b.H., <span class=\"_ _0\"></span>Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y1899 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y1899 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y1899 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">75<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y1899 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y1899 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189a w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Unterpremst\u00e4tten Immobilienleasing GmbH, Linz<span class=\"_ _1\"></span> </div></td><td class=\"c x31c y189a w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189a w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189a w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189a w56 hf\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4 </div></td><td class=\"c x3e2 y189a w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189a wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189b w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wei\u00dfkirchen Immobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189b w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189b w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189b w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189b w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189b wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189c w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank Wiener Neustadt I<span class=\"_ _0\"></span>mmobilienleasing GmbH, Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189c w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189c w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189c w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">53<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189c w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189c wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189d w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank-Kremsm\u00fcn<span class=\"_ _0\"></span>ster Immobilienleasing Gesellschaft m.b.H., Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y189d w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189d w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">168<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189d w56 he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">372<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189d w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189d wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189e w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK Ahlten Immobilien Leasing Gmb<span class=\"_ _0\"></span>H, Neu\u00f6tting </div></td><td class=\"c x31c y189e w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189e w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94,00 </div></td><td class=\"c x3e0 y189e w56 hf\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.000 </div></td><td class=\"c x3e1 y189e w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">22<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189e w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189e wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y189f w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 1 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y189f w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y189f w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">27<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y189f w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">18<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y189f w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y189f wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a0 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 2 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a0 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a0 w173 hf\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a0 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a0 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">26</span> </div></td><td class=\"c x3e2 y18a0 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a0 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a1 w1d4 he\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">OBK M\u00fcnchen 3 Immob<span class=\"_ _0\"></span>ilien Leasing GmbH, Neu\u00f6tting </div></td><td class=\"c x31c y18a1 w56 he\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a1 w173 he\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a1 w56 he\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a1 w56 he\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">10</span> </div></td><td class=\"c x3e2 y18a1 w11d he\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a1 wca he\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a2 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">POWER TOWER GmbH, Linz </div></td><td class=\"c x31c y18a2 w56 hf\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a2 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">99,00 </div></td><td class=\"c x3e0 y18a2 w56 hf\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">70<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a2 w56 hf\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">79</span> </div></td><td class=\"c x3e2 y18a2 w11d hf\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a2 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a3 w1d4 hec\"><div class=\"t m0 x7 h5 ybbf ff4 fs2 fc2 sc0 ls0 ws0\">Oberbank NGL Immob<span class=\"_ _0\"></span>ilienleasing GmbH (vormals Oberbank Wien S\u00fcd Im-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 ybc0 ff4 fs2 fc2 sc0 ls0 ws0\">mobilienleasing GmbH), Linz<span class=\"_ _0\"></span> </div></td><td class=\"c x31c y18a3 w56 hec\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">V </div></td><td class=\"c x186 y18a3 w173 hec\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100,00 </div></td><td class=\"c x3e0 y18a3 w56 hec\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">35<span class=\"ls0\"> </span></div></td><td class=\"c x3e1 y18a3 w56 hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">118<span class=\"ls0\"> </span></div></td><td class=\"c x3e2 y18a3 w11d hec\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">09/2022 </div></td><td></td><td class=\"c x3e3 y18a3 wca hec\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">1)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1a7 y18a4 w1d4 hf\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Techno-<span class=\"ls43\">Z </span>Braunau<span class=\"_ _0\"></span> Technologiezentrum GmbH, Braun<span class=\"_ _0\"></span>au </div></td><td class=\"c x31c y18a4 w56 hf\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N </div></td><td class=\"c x186 y18a4 w173 hf\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21,50 </div></td><td></td><td></td><td></td><td></td><td class=\"c x3e3 y18a4 wca hf\"><div class=\"t m0 xf8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">6)<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y18a6 w4a8 h171\"><div class=\"t m0 x177 h16 y18a5 ff4 fs6 fc2 sc0 ls44 ws0\">*)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Konsolidi<span class=\"_ _5\"></span>erung im Konzerna<span class=\"_ _5\"></span>bschluss: V =<span class=\"_ _5\"></span> Vollk<span class=\"_ _5\"></span>onsolidierung, E = Be<span class=\"_ _5\"></span>wertung \"at equi<span class=\"_ _5\"></span>ty\", Q = ant<span class=\"_ _5\"></span>eilsm\u00e4\u00dfige Kons<span class=\"_ _5\"></span>olidierun<span class=\"_ _5\"></span>g, N = gem\u00e4\u00df IAS 27 in Verbind<span class=\"_ _5\"></span>ung mit Framework 29 <span class=\"_ _5\"></span>nicht i<span class=\"_ _5\"></span>n den Konzernabschlus<span class=\"_ _5\"></span>s einbezogen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a7 w4a9 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">1) <span class=\"_ _3d\"></span>verbundenes <span class=\"_ _3d\"></span>Unternehmen; <span class=\"_ _3d\"></span>2) <span class=\"_ _5\"></span>Ergebnisabf\u00fchr<span class=\"_ _5\"></span>ungsvertrag; <span class=\"_ _3d\"></span>3) <span class=\"_ _5\"></span>einschlie<span class=\"_ _5\"></span>\u00dflich <span class=\"_ _3d\"></span>unversteuerter <span class=\"_ _3d\"></span>R\u00fccklagen; <span class=\"_ _3d\"></span>4) Jah<span class=\"_ _5\"></span>res\u00fcberschu<span class=\"_ _5\"></span>ss <span class=\"_ _3d\"></span>gem<span class=\"_ _0\"></span>. \u00a7<span class=\"_ _5\"></span> <span class=\"_ _3d\"></span>231 Abs. <span class=\"_ _3d\"></span>2 <span class=\"_ _5\"></span>Z <span class=\"_ _3d\"></span>21 <span class=\"_ _5\"></span>UGB; <span class=\"_ _3d\"></span>5) <span class=\"_ _5\"></span>mittelbare <span class=\"_ _3d\"></span>Beteiligungen <span class=\"_ _3d\"></span>an <span class=\"_ _5\"></span>Kredit- <span class=\"_ _3d\"></span>und <span class=\"_ _5\"></span>Finanzinst<span class=\"_ _5\"></span>ituten <span class=\"_ _3d\"></span>wurden<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y18a9 w4aa h17a\"><div class=\"t m0 x177 h6 y18a8 ff4 fs4 fc2 sc0 ls0 ws0\">gem\u00e4\u00df \u00a7 <span class=\"ls1b\">30 </span>BWG b<span class=\"_ _5\"></span>erechne<span class=\"_ _5\"></span>t, mittel<span class=\"_ _5\"></span>bare Beteili<span class=\"_ _5\"></span>gungen an andere<span class=\"_ _5\"></span>n Unternehmen wurden <span class=\"_ _5\"></span>gem\u00e4\u00df UGB bere<span class=\"_ _5\"></span>chnet; 6)<span class=\"_ _5\"></span> von \u00a7 242 Abs. 2 UG<span class=\"_ _5\"></span>B wird Ge<span class=\"_ _5\"></span>brauch gemacht</div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "Angaben zu asso<span class=\"_ _0\"></span>ziierten Unternehmen<span class=\"_ _128\"> </span> Zu <span class=\"_ _76\"> </span>den <span class=\"_ _76\"> </span>Rechnungslegungsmethoden <span class=\"_ _76\"> </span>siehe <span class=\"_ _76\"> </span>Punkt <span class=\"_ _76\"> </span>2) <span class=\"_ _76\"> </span>in <span class=\"_ _3c\"> </span>d<span class=\"_ _0\"></span>en <span class=\"_ _3c\"> </span>Erl\u00e4uterungen <span class=\"_ _76\"> </span>(Not<span class=\"_ _0\"></span>es) <span class=\"_ _3c\"> </span>zu<span class=\"_ _0\"></span>m<span class=\"_ _0\"></span> <span class=\"_ _76\"> </span>Konzernabschluss, <span class=\"_ _76\"> </span>Abschnitt  Konsolidierungsmethod<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-417": {
   "value": "Angaben zu n<span class=\"_ _0\"></span>icht konsolidierten strukturierten Unternehmen<span class=\"_ _0\"></span> Art, Zweck und Umfang der Be<span class=\"_ _0\"></span>teiligung des Konzerns an nicht konso<span class=\"_ _0\"></span>lidierten, strukturierten Einheiten<span class=\"_ _0\"></span><span class=\"fc3\"> </span>Der Oberbank Konzern nut<span class=\"_ _0\"></span>zt sogenannte strukturierte Einheiten, die einem bestimmten Gesch\u00e4ft<span class=\"_ _0\"></span>szweck dienen. Struktu-<span class=\"_ _128\"> </span>rierte Einheiten sind derart ausgestaltet, d<span class=\"_ _0\"></span>as<span class=\"_ _0\"></span>s Stimmrechte bei der Entscheidung, wer das Unternehmen beherr<span class=\"_ _0\"></span>scht, nicht<span class=\"_ _128\"> </span> der ausschlaggebende Fakto<span class=\"_ _0\"></span>r sind. Ein strukturiertes Unternehmen verf\u00fcgt \u00fc<span class=\"_ _0\"></span>ber einige oder alle der folgenden Merkmale:<span class=\"_ _128\"> </span> limitierte Aktivit\u00e4ten, ein eng gefasstes un<span class=\"_ _0\"></span>d genau definiertes<span class=\"_ _0\"></span> Ziel, unzureichendes Eigenkapital um seine Akt<span class=\"_ _0\"></span>ivit\u00e4ten ohne<span class=\"_ _128\"> </span> nachrangige finanzielle Unterst\u00fct<span class=\"_ _0\"></span>zung zu finanzieren. Strukturierte Einheiten fin<span class=\"_ _0\"></span>anzieren den Erwerb von Verm\u00f6genswerten<span class=\"_ _128\"> </span> oftmals durch die Emission<span class=\"_ _0\"></span> von Schuld- od<span class=\"_ _0\"></span>er Eigenkapitaltiteln. Teilweise werden d<span class=\"_ _0\"></span>iese durch die von ihn<span class=\"_ _0\"></span>en gehaltenen Ver-<span class=\"_ _128\"> </span>m\u00f6genswerte besichert od<span class=\"_ _0\"></span>er sind an diese gekoppelt.<span class=\"_ _128\"> </span>Beteiligungen des Oberbank Konzerns an<span class=\"_ _0\"></span> nicht konsolidierten stru<span class=\"_ _0\"></span>kturierten Einheiten bestehen aus vertraglichen Beziehun-<span class=\"_ _128\"> </span>gen, die zum Empfang von v<span class=\"_ _0\"></span>ariablen R\u00fcckfl\u00fcssen<span class=\"_ _0\"></span> aus der Performance der nicht konsolid<span class=\"_ _0\"></span>ierten strukturierten Einheiten be-<span class=\"_ _128\"> </span>rechtigen. Es handelt sich d<span class=\"_ _0\"></span>abei um Gesch\u00e4ftsaktivit\u00e4ten mit Investmentfondsant<span class=\"_ _0\"></span>eilen, in die der Oberbank Konzern inves-<span class=\"_ _128\"> </span>tiert hat. Sie dienen der Erzielung vo<span class=\"_ _0\"></span>n Veranlagungser<span class=\"_ _0\"></span>tr\u00e4gen.<span class=\"_ _128\"> </span> Die Einheiten, die Gegenstand dieser Anh<span class=\"_ _0\"></span>angangabe sind, werden nicht konso<span class=\"_ _0\"></span>lidiert, da der Oberbank Konzern keine Beherr-<span class=\"_ _128\"> </span>schung \u00fcber Stimmrechte, Vertr\u00e4ge, Finanzieru<span class=\"_ _0\"></span>ngsvereinbarungen oder an<span class=\"_ _0\"></span>dere Mittel hat. Die im Oberbank Konzern identi-<span class=\"_ _128\"> </span>fizierten wesentlichen str<span class=\"_ _0\"></span>ukturierten Unternehmen werden in<span class=\"_ _0\"></span> der Regel im IFRS-Absch<span class=\"_ _0\"></span>luss mit dem Fair Value bew<span class=\"_ _0\"></span>ertet, da<span class=\"_ _128\"> </span> deren Wertentwicklun<span class=\"_ _0\"></span>g auf Grundlage des beizulegenden Zeitwerts auf Basis einer doku<span class=\"_ _0\"></span>mentierten Anlagestrategie beur-<span class=\"_ _128\"> </span>teilt und gesteuert w<span class=\"_ _0\"></span>ird.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfOtherAccountingPoliciesRelevantToUnderstandingOfFinancialStatements",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-493": {
   "value": "42) Risikomanagement<span class=\"_ _128\"> </span>Risikostrategie<span class=\"_ _128\"> </span>Die gezielte \u00dcbernahme von<span class=\"_ _0\"></span> Risiken stellt ein wesentliches Merkmal des Bankgesch\u00e4ft<span class=\"_ _0\"></span>es dar und ist die Basis f\u00fcr<span class=\"_ _0\"></span> eine <span class=\"_ _0\"></span> nachhaltig stabile Gesch\u00e4fts<span class=\"_ _0\"></span>- und Ergebnisentwicklun<span class=\"_ _0\"></span>g in der Oberbank AG.<span class=\"_ _128\"> </span>Die Oberbank AG ist f\u00fcr<span class=\"_ _0\"></span> die Festlegung, Umsetzung, das Risikoman<span class=\"_ _0\"></span>agement und das Risikocontr<span class=\"_ _0\"></span>olling der zentral festgeleg-<span class=\"_ _128\"> </span>ten Risikostrategie im Oberbank<span class=\"_ _0\"></span>-Konzern zust<span class=\"_ _0\"></span>\u00e4ndig. Ausgangspunkt der Risikostrat<span class=\"_ _0\"></span>egie der Oberbank AG ist die Positionierung als Region<span class=\"_ _0\"></span>albank.<span class=\"_ _0\"></span> Der Vorstand und alle MitarbeiterInn<span class=\"_ _0\"></span>en handeln nach den r<span class=\"_ _0\"></span>isikopolitischen<span class=\"_ _0\"></span> Grunds\u00e4tzen und treffen ihre Entscheidungen<span class=\"_ _128\"> </span>unter Einhaltung dieser Leitlinien. Der Aufnah<span class=\"_ _0\"></span>me neuer Gesch\u00e4ftsfelder oder Produkte geht eine ad<span class=\"_ _0\"></span>\u00e4quate Analyse der ge-<span class=\"_ _128\"> </span>sch\u00e4ftsspezifischen Risiken voraus.<span class=\"_ _0\"></span> Organisation des Risikomanagements<span class=\"_ _0\"></span> Risikomanagement bezeichnet alle Aktivit\u00e4t<span class=\"_ _0\"></span>en zum systematischen Umgang mit Risiken im Konzern<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Das Risikomanagement ist in<span class=\"_ _0\"></span> der Oberbank AG integraler Bestand<span class=\"_ _0\"></span>teil der Gesch\u00e4ftspolitik, der strategischen Zieleplanun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>sowie des operativen Managements b<span class=\"_ _0\"></span>zw. Controllin<span class=\"_ _0\"></span>gs. Die zentrale Verantwortung f\u00fcr das<span class=\"_ _0\"></span> Risikomanagement liegt beim<span class=\"_ _128\"> </span>Gesamtvorstand der Oberb<span class=\"_ _0\"></span>ank AG.<span class=\"_ _128\"> </span>Aus der Risikostrategie werden im Zuge des Bud<span class=\"_ _0\"></span>getierungskreislaufes die Risikoziele f\u00fcr<span class=\"_ _0\"></span> das entsprechende Gesch\u00e4ft<span class=\"_ _0\"></span>sjahr<span class=\"_ _128\"> </span>abgeleitet und d<span class=\"_ _0\"></span>ie Verteilung der Risikodeckungsmassen als Limits au<span class=\"_ _0\"></span>f die Einzelrisiken vorgenommen. Diese Limits bilden<span class=\"_ _128\"> </span>die Basis f\u00fcr die das Jahr \u00fcber laufende, en<span class=\"_ _0\"></span>ge Steuerung. Der Planungskr<span class=\"_ _0\"></span>eislauf wird von der Abteilung Strategisches Risiko-<span class=\"_ _128\"> </span>management gemeinsam mit dem Gesamtv<span class=\"_ _0\"></span>orstand ge<span class=\"_ _0\"></span>steuert.<span class=\"_ _128\"> </span>Dem Risikomanagement wird in der Ob<span class=\"_ _0\"></span>erbank AG durch die Einrichtung eines effizienten Managements d<span class=\"_ _0\"></span>er einzelnen Risi-<span class=\"_ _128\"> </span>kokomponenten Rechnung getragen. Die Zusa<span class=\"_ _0\"></span>mmenf\u00fchrung der einzelnen Risikoarten a<span class=\"_ _0\"></span>uf ein Gesamtbankrisiko erfolgt als<span class=\"_ _128\"> </span>Steuerungsgrund<span class=\"_ _0\"></span>lage f\u00fcr das Aktiv-Passiv-Man<span class=\"_ _0\"></span>agement-Komitee (APM-Komitee) durch d<span class=\"_ _0\"></span>ie Abteilung Strategisches Risikoma-<span class=\"_ _128\"> </span>nagement. Das f\u00fcr den Bereich Risikoman<span class=\"_ _0\"></span>agement zust\u00e4nd<span class=\"_ _0\"></span>ige Vorstandsmitglied leitet dieses Komitee und verf\u00fc<span class=\"_ _0\"></span>gt \u00fcber ein<span class=\"_ _128\"> </span>Vetorecht bei risikorelevanten Ent<span class=\"_ _0\"></span>scheidungsprozessen. Im Rah<span class=\"_ _0\"></span>men der operativen Planun<span class=\"_ _0\"></span>g nimmt das APM<span class=\"_ _0\"></span>-Komitee eine<span class=\"_ _128\"> </span>Allokation der vorhandenen E<span class=\"_ _0\"></span>igenmittel nach Chancen<span class=\"_ _0\"></span>-Risiko-Profil der einzelnen Ban<span class=\"_ _0\"></span>kgesch\u00e4ftsfelder vor.<span class=\"_ _128\"> </span>Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement erf\u00fcllt die Funktion<span class=\"_ _0\"></span> der im Ban<span class=\"_ _0\"></span>kwesengesetz (\u00a7 39 Abs.5 BWG) geforderten<span class=\"_ _0\"></span> zentralen und unabh\u00e4n<span class=\"_ _0\"></span>gigen Risikomanagementeinheit. Die Abt<span class=\"_ _0\"></span>eilung hat einen vollst\u00e4ndigen \u00dcberblick \u00fcber d<span class=\"_ _0\"></span>ie Auspr\u00e4-<span class=\"_ _128\"> </span>gung der vorhandenen R<span class=\"_ _0\"></span>isikoarten sowie \u00fcber die Risikolage des Kreditinstitut<span class=\"_ _0\"></span>es und misst, ana<span class=\"_ _0\"></span>lysiert, \u00fcberw<span class=\"_ _0\"></span>acht und repor-<span class=\"_ _128\"> </span>tet alle wesentlichen Risiken der Oberb<span class=\"_ _0\"></span>ank AG. Das Reporting erfolgt an den Aufsichtsrat,<span class=\"_ _0\"></span> an den Vorstand, das APM<span class=\"_ _1\"></span>-Komi-<span class=\"_ _128\"> </span>tee sowie an die betroffenen Abteilun<span class=\"_ _0\"></span>gsleiterInnen bzw. MitarbeiterInnen<span class=\"_ _0\"></span>. Die Abteilung ist au\u00dferdem an der A<span class=\"_ _1\"></span>usarbeitung<span class=\"_ _128\"> </span>der Risikostrategie beteiligt.<span class=\"_ _128\"> </span>Die Zust\u00e4ndigkeit f\u00fcr d<span class=\"_ _0\"></span>as Risikomanagement aller Tochtergesellschaften und f\u00fc<span class=\"_ _0\"></span>r alle operativen Gesch\u00e4ftseinheiten d<span class=\"_ _0\"></span>er Bank<span class=\"_ _128\"> </span>im In- und Ausland liegt zent<span class=\"_ _0\"></span>ral in der Oberbank AG in den f\u00fcr die einzelnen Risikokompon<span class=\"_ _1\"></span>enten zust\u00e4ndigen Abt<span class=\"_ _0\"></span>eilungen<span class=\"_ _128\"> </span>und Gremien.<span class=\"_ _128\"> </span>Risikobericht an den Aufsichtsrat<span class=\"_ _0\"></span> Die Risikostrategie und<span class=\"_ _0\"></span> die verwendeten Risikomessmethoden werden dem Aufsicht<span class=\"_ _0\"></span>srat j\u00e4hrlich berichtet, die Steuerungs<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>und \u00dcberwachungssysteme sowie die akt<span class=\"_ _0\"></span>uelle Risikolage in je<span class=\"_ _0\"></span>der Aufsichtsratssitzun<span class=\"_ _0\"></span>g.<span class=\"_ _128\"> </span>Internes Kontrollsystem<span class=\"_ _0\"></span> Das Interne Kontrollsystem (IKS) der Oberb<span class=\"_ _0\"></span>ank AG <span class=\"_ _0\"></span>entspricht dem international anerkannt<span class=\"_ _0\"></span>en COSO-Standard<span class=\"_ _0\"></span>. Es existieren<span class=\"_ _128\"> </span>detaillierte Beschreibungen der IKS-Ab<span class=\"_ _0\"></span>l\u00e4ufe, einheitliche Dokumentat<span class=\"_ _0\"></span>ionen aller risikorelevanten Prozesse der Ban<span class=\"_ _0\"></span>k, der<span class=\"_ _128\"> </span>identifizierten Risiken und der Kont<span class=\"_ _0\"></span>rollma\u00dfnahmen. Die Verantwortlichkeiten und Rollen in<span class=\"_ _0\"></span> Bezug auf das IKS sind klar defi-<span class=\"_ _128\"> </span>niert. F\u00fcr das IKS erfolgt ein r<span class=\"_ _0\"></span>egelm<span class=\"_ _5\"></span>\u00e4\u00dfiges, mehrst<span class=\"_ _0\"></span>ufiges Reporting \u00fcber<span class=\"_ _0\"></span> Wirksa<span class=\"_ _0\"></span>mkeit und Reifegrad. Kontrollaktivit\u00e4ten wer-<span class=\"_ _128\"> </span>den dokumentiert und \u00fcb<span class=\"_ _0\"></span>erpr\u00fcft, die IKS-relevanten Risiken werden<span class=\"_ _0\"></span> regelm\u00e4\u00dfig evaluiert und angepasst.<span class=\"_ _0\"></span> D<span class=\"_ _0\"></span>ieser laufende<span class=\"_ _128\"> </span>Optimierungsprozess tr\u00e4gt<span class=\"_ _0\"></span> zur Qualit\u00e4tssicherung bei. <span class=\"_ _0\"></span>Die Abteilung Interne Revision<span class=\"_ _0\"></span> der Oberban<span class=\"_ _0\"></span>k AG pr\u00fcft in ihrer Funk-<span class=\"_ _128\"> </span>tion als unabh\u00e4n<span class=\"_ _0\"></span>gige \u00dcberwachungsinstanz das interne Kont<span class=\"_ _0\"></span>rollsystem. Abgepr\u00fcft werden die Wirksamkeit und Angemes-<span class=\"_ _128\"> </span>senheit des IKS. <span class=\"_ _7\"> </span> Offenlegung gem\u00e4\u00df Teil 8 Verordnung (EU)<span class=\"_ _0\"></span> Nr. 575/2013 (CRR)<span class=\"_ _0\"></span> Die Oberbank AG hat a<span class=\"_ _0\"></span>ls Medium f\u00fcr die Offenlegung gem\u00e4\u00df Teil 8 CRR das In<span class=\"_ _0\"></span>ternet gew\u00e4hlt. Die Offenlegung ist au<span class=\"_ _0\"></span>f der<span class=\"_ _128\"> </span>Website der Oberbank A<span class=\"_ _0\"></span>G www.oberbank.at<span class=\"_ _0\"></span> <span class=\"ff9\">(Bereich \u201eInvestor Relations\u201c) abrufbar<span class=\"_ _0\"></span>.</span> Gesamtbankrisikosteuerung<span class=\"_ _0\"></span> Den aufsichtsrecht<span class=\"_ _0\"></span>lichen Anforderungen an ein qualitativ hochwertiges Risikomanagement<span class=\"_ _0\"></span>, die sich aus dem ICAAP (Internal<span class=\"_ _128\"> </span>Capital Adequacy Assessment Process) un<span class=\"_ _0\"></span>d dem ILAAP (Internal Liquidity <span class=\"_ _0\"></span>Adequacy Assessment Process) ergeben, wird in<span class=\"_ _128\"> </span>der Oberban<span class=\"_ _0\"></span>k AG mittels der Risikotragf\u00e4higkeitsrechnung sowie mittels eines Systems vo<span class=\"_ _0\"></span>n Berichten und Limiten f\u00fc<span class=\"_ _0\"></span>r die<span class=\"_ _128\"> </span>Liquidit\u00e4tssteuerung ent<span class=\"_ _0\"></span>sprochen. Die Grundlage f\u00fcr eine Beurteilung der Risikotragf\u00e4h<span class=\"_ _0\"></span>igkeit der Bank stellt die Quantifizie-<span class=\"_ _128\"> </span>rung der wesentlichen<span class=\"_ _0\"></span> Risiken und der Deckungsmassen d<span class=\"_ _0\"></span>ar. Im Rahmen der Risikotragf\u00e4higkeitsrechnung w<span class=\"_ _0\"></span>erden aus der<span class=\"_ _128\"> </span>\u00f6konomischen Deckun<span class=\"_ _0\"></span>gsmasse f\u00fcr die sich aus dem Gesch\u00e4ftsmod<span class=\"_ _0\"></span>ell der Oberbank AG ergebenden w<span class=\"_ _0\"></span>esentlichen Bankrisi-<span class=\"_ _128\"> </span>ken ICAAP-Risikolimite abgeleitet. <span class=\"_ _0\"></span>Dies erfolgt f\u00fcr<span class=\"_ _0\"></span> das Kreditrisiko (im Detail werden im Rah<span class=\"_ _0\"></span>men des Kreditrisikos das Adress-<span class=\"_ _128\"> </span>ausfallrisiko, das Kontrah<span class=\"_ _0\"></span>entenausfallrisiko, das Fremdw\u00e4hrungskreditrisiko,<span class=\"_ _0\"></span> das Risiko einer Anpassung der Kreditbewer-<span class=\"_ _128\"> </span>tung (CVA<span class=\"_ _0\"></span>-Risiko), das L\u00e4nderrisiko und Kreditrisikokonzentra<span class=\"_ _0\"></span>tionen quantifiziert), f\u00fcr<span class=\"_ _0\"></span> das Marktrisiko im Handelsbuch, das<span class=\"_ _128\"> </span>Marktrisiko im Bankbuch, d<span class=\"_ _0\"></span>as Liquidit\u00e4tsrisiko, f\u00fcr die Operationellen Risiken sowie f\u00fcr Risiken, d<span class=\"_ _0\"></span>ie aus dem makro\u00f6kono<span class=\"_ _0\"></span>mi-<span class=\"_ _128\"> </span>schen Umfeld erwachsen. <span class=\"_ _0\"></span>Gem\u00e4\u00df den Empfehlungen d<span class=\"_ _0\"></span>er FMA im <span class=\"ffd\">Leitfaden zum<span class=\"_ _0\"></span> Umgang mit Nachhaltigkeitsrisiken<span class=\"_ _0\"></span></span> werden<span class=\"_ _128\"> </span>die Spezialthemen des Nachhaltigkeitsrisikos in<span class=\"_ _0\"></span> der Risikosteuerung im Rahmen der Prim\u00e4rr<span class=\"_ _0\"></span>isiken abgedeckt. <span class=\"_ _0\"></span>Der Risikoap-<span class=\"_ _128\"> </span>petit der Oberbank AG ist in d<span class=\"_ _0\"></span>er Risikotragf\u00e4higkeitsrechnung mit 90 % der Risikodeckun<span class=\"_ _0\"></span>gsmasse begrenzt. Die dar\u00fcberhin-<span class=\"_ _128\"> </span>ausgehenden 10% w<span class=\"_ _0\"></span>erden nicht alloziert. Neben der Begrenzung mittels Risikod<span class=\"_ _0\"></span>eckungsmasse werden die w<span class=\"_ _0\"></span>esentlichen<span class=\"_ _128\"> </span>Risiken in der op<span class=\"_ _0\"></span>erativen Risikosteuerung noch \u00fcber Prozesse und Detaillimite gesteuert.<span class=\"_ _0\"></span> Anteil der zugeordneten Risikolimits an der gesamten Risikod<span class=\"_ _0\"></span>eckungsmasse<span class=\"_ _0\"></span> Die Limitausnutzung p<span class=\"_ _0\"></span>er 31.12.2022 betrug 55,3 % (31.12.2021: 52,0 %). D<span class=\"_ _0\"></span>as Limit im Kreditrisiko wurde<span class=\"_ _0\"></span> zu 60,<span class=\"_ _0\"></span>1 %<span class=\"_ _128\"> </span>(31.12.2021: 63,4 %), im Marktrisiko Ban<span class=\"_ _0\"></span>kbuch zu 38,4 % (31.12.2021: 26,7 %), im Mar<span class=\"_ _0\"></span>ktrisiko Handelsbuch zu<span class=\"_ _0\"></span> 18,4 %<span class=\"_ _128\"> </span>(31.12.2021: 16,0 %), f\u00fcr Makr<span class=\"_ _0\"></span>o\u00f6konomische Risiken zu 56,3 %<span class=\"_ _0\"></span> (31.12.2021: 44,3 %) und im Operation<span class=\"_ _0\"></span>ellen Risiko zu 71,3 %<span class=\"_ _128\"> </span>(31.12.2021: 62,9 %) ausgenut<span class=\"_ _0\"></span>zt.<span class=\"_ _128\"> </span>Auswirkung von Stressszenarien<span class=\"_ _128\"> </span>Die Risikotragf\u00e4higkeitsrechnu<span class=\"_ _0\"></span>ng wird durch quartalsweise Stresstests erg\u00e4nzt<span class=\"_ _0\"></span>. In diesen werden die Auswirkungen, die sich<span class=\"_ _128\"> </span>aus der Verschlechterung d<span class=\"_ _0\"></span>es makro\u00f6konomischen Umfelds ergeben (Verschlechter<span class=\"_ _0\"></span>u<span class=\"_ _0\"></span>ng der BIP-Wachstumsrat<span class=\"_ _0\"></span>e, Anstieg der<span class=\"_ _128\"> </span>Arbeitslosenrate und von I<span class=\"_ _0\"></span>nsolvenzen, Kursr\u00fcckgang auf den Aktienm\u00e4rkt<span class=\"_ _0\"></span>en, R\u00fcckgang des Immobilienmarktes und E<span class=\"_ _0\"></span>rh\u00f6-<span class=\"_ _128\"> </span>hung von Zinsen<span class=\"_ _0\"></span>,\u2026) ber\u00fccksichtigt. Dies wird z.B. mit erh\u00f6hten Ausfallswahrscheinlichkeiten bei Kredit<span class=\"_ _0\"></span>en<span class=\"_ _0\"></span><span class=\"ff4\">, R\u00fcckg\u00e4ngen d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></span>Immobilienwerte und einem Anstieg der Mar<span class=\"_ _0\"></span>ktzinsen simuliert. Es wird ein Rezessionsszenario und<span class=\"_ _0\"></span> ein Inflationsszenario<span class=\"_ _128\"> </span>gerechnet. Per 31.12.2022 kam es in<span class=\"_ _0\"></span> keinem der Szenarien zu einer \u00dcbersch<span class=\"_ _0\"></span>reitung des Gesamtban<span class=\"_ _0\"></span>klimits. Im Szenario mit<span class=\"_ _128\"> </span>der h\u00f6chsten quant<span class=\"_ _0\"></span>itativen Auswirkung betrug die Gesamtlimitausnutzu<span class=\"_ _0\"></span>ng 67,6 % (31.12.2021: 63,4 %).<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>60,0%<span class=\"_ _128\"> </span>18,9%<span class=\"_ _128\"> </span>1,1%<span class=\"_ _128\"> </span>6,0%<span class=\"_ _128\"> </span>4,0%<span class=\"_ _128\"> </span>10,0%<span class=\"_ _128\"> </span>Kreditrisiko<span class=\"_ _128\"> </span>Marktrisiko Bankbuch<span class=\"_ _128\"> </span>Marktrisiko Handelsbuch<span class=\"_ _128\"> </span>Makro\u00f6konomisches Risiko<span class=\"_ _128\"> </span>Operationelles Risiko<span class=\"_ _128\"> </span>Risikopuffer<span class=\"_ _128\"> </span>Zust\u00e4ndigkeiten f\u00fcr das Management der einzelnen Risikokat<span class=\"_ _0\"></span>egorien<span class=\"_ _0\"></span> Kreditrisiko<span class=\"_ _128\"> </span>F\u00fcr das Management d<span class=\"_ _0\"></span>es Kreditrisikos ist die Abteilung <span class=\"_ _0\"></span>Kredit-Management zust\u00e4ndig. Sie ist vo<span class=\"_ _0\"></span>m Vertrieb getrennt, sodass<span class=\"_ _128\"> </span>die Risikobewertung und <span class=\"_ _0\"></span>-entscheidung in jeder Phase des Kreditprozesses bis hin<span class=\"_ _0\"></span> zur Vorstandsebene unabh\u00e4n<span class=\"_ _0\"></span>gig vom Ver-<span class=\"_ _128\"> </span>trieb gew\u00e4hrleistet sind.<span class=\"_ _128\"> </span>Beteiligungsrisiko<span class=\"_ _128\"> </span>Der Gesamtvorstand ist f\u00fc<span class=\"_ _0\"></span>r die Investitionsentscheidung, o<span class=\"_ _0\"></span>rdnungsgem\u00e4\u00dfe Organisation und<span class=\"_ _0\"></span> \u00dcberwachung des Beteiligungs-<span class=\"_ _128\"> </span>managements verantwortlich. Die Ab<span class=\"_ _0\"></span>teilung Sekretariat &amp; Kommunikation<span class=\"_ _0\"></span> ist f\u00fcr das operative Beteiligungsmanagement<span class=\"_ _128\"> </span>verantwortlich. Kreditsubst<span class=\"_ _0\"></span>ituierende Beteiligungen unt<span class=\"_ _0\"></span>erliegen dem Kreditprozess.<span class=\"_ _128\"> </span>Marktrisiko<span class=\"_ _128\"> </span>Das Management d<span class=\"_ _0\"></span>er Marktrisiken ist in der Oberbank AG auf zwei Kompetenztr\u00e4ger au<span class=\"_ _0\"></span>fgeteilt, die diese im Rahmen der<span class=\"_ _128\"> </span>ihnen zugewiesenen Risikolimite selbst\u00e4n<span class=\"_ _0\"></span>dig gestionieren. Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist zust\u00e4ndig f\u00fcr d<span class=\"_ _0\"></span>as Devisenkursrisiko f\u00fcr den gesamten Oberbank<span class=\"_ _0\"></span>-Konzern, f\u00fcr d<span class=\"_ _0\"></span>as Markt-<span class=\"_ _128\"> </span>risiko im Handelsbuch und<span class=\"_ _0\"></span> f\u00fcr das Zinsrisiko des Geldh<span class=\"_ _0\"></span>andels. Das Aktiv<span class=\"_ _0\"></span>-Passiv-Managementkomitee ist f\u00fcr die Marktrisiken im Bankbu<span class=\"_ _0\"></span>ch zust\u00e4ndig.<span class=\"_ _128\"> </span>Operationelles Risiko<span class=\"_ _128\"> </span>In der Oberbank AG <span class=\"_ _0\"></span>ist ein Gremium f\u00fcr das Management des Operationellen Risikos inst<span class=\"_ _0\"></span>alliert. Dieses Gremium steuert den<span class=\"_ _128\"> </span>Managementpro<span class=\"_ _0\"></span>zess der Operationellen Risiken und ist f\u00fcr seine Weiterentwicklung bzw<span class=\"_ _0\"></span>. f\u00fcr die Adaptierung <span class=\"_ _0\"></span> entsprechend<span class=\"_ _0\"></span>er Methoden verantwortlich. Das op<span class=\"_ _0\"></span>erative Risikomanagement von Operationellen Risiken wird v<span class=\"_ _0\"></span>on den jewei-<span class=\"_ _128\"> </span>ligen operativ t\u00e4tigen Abteilungen u<span class=\"_ _0\"></span>nd regionalen Vertriebseinheiten (Risk T<span class=\"_ _0\"></span>aking Units) durchgef\u00fchrt, die f\u00fcr das Operat<span class=\"_ _0\"></span>io-<span class=\"_ _128\"> </span>nelle Risiko der in ihr<span class=\"_ _0\"></span>en Zust\u00e4ndigkeitsbereich fallenden Prod<span class=\"_ _0\"></span>ukte und Prozesse verantwortlich sin<span class=\"_ _0\"></span>d.<span class=\"_ _0\"></span> Liquidit\u00e4tsrisiko<span class=\"_ _128\"> </span>Das Management d<span class=\"_ _0\"></span>er langfristigen bzw. strategischen Liquidit\u00e4t erfolgt durch das A<span class=\"_ _0\"></span>PM<span class=\"_ _0\"></span>-Komitee. F\u00fcr die kurzfrist<span class=\"_ _0\"></span>ige Liquidi-<span class=\"_ _128\"> </span>t\u00e4tssteuerung ist die Abteilung Treas<span class=\"_ _0\"></span>ury &amp; Handel zust\u00e4nd<span class=\"_ _0\"></span>ig.<span class=\"_ _128\"> </span>Risikokonzentration<span class=\"_ _128\"> </span>Risikokonzentrationen<span class=\"_ _0\"></span> begr\u00fcnden ein Konzentrationsrisiko, wenn sie das Potenzial hab<span class=\"_ _0\"></span>en, Verluste zu produzieren, die gro\u00df<span class=\"_ _128\"> </span>genug sind, um die Stabilit\u00e4t<span class=\"_ _0\"></span> eines Instituts zu gef\u00e4hrden oder eine wesentliche \u00c4nderu<span class=\"_ _0\"></span>n<span class=\"_ _0\"></span>g im Risikoprofil zu bew<span class=\"_ _0\"></span>irken. Es<span class=\"_ _128\"> </span>werden zwei Arten von Risikokonzent<span class=\"_ _0\"></span>rationen unterschieden:<span class=\"_ _0\"></span> \u2022<span class=\"ff7\"> <span class=\"_ _77\"> </span><span class=\"ff4\">Inter-Risikokonzentrat<span class=\"_ _0\"></span>ionen beziehen sich auf Risikokonzentrationen<span class=\"_ _0\"></span>, die sich aus dem Gleichlauf von Risiken ver-<span class=\"_ _128\"> </span></span></span>schiedener Risikokategorien ergeben k\u00f6<span class=\"_ _0\"></span>nnen.<span class=\"_ _128\"> </span>Mittels Szenarioanalys<span class=\"_ _0\"></span>en wird viertelj\u00e4hrlich im Rahmen der Risikotragf\u00e4higkeitsrechnung die Sensitivit\u00e4t d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Oberbank AG auf Inter<span class=\"_ _0\"></span>-Konzentrationsrisiken gepr\u00fcft.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _77\"> </span><span class=\"ff4\">Intra-Risikokonzent<span class=\"_ _0\"></span>rationen beziehen sich auf Risikokonzentrationen, die innerh<span class=\"_ _0\"></span>alb einer einzelnen R<span class=\"_ _0\"></span>isikokategorie<span class=\"_ _128\"> </span></span></span>entstehen k\u00f6nnen<span class=\"_ _0\"></span>. Konzentrationen k\u00f6nnen in allen Risikoarten auftreten. D<span class=\"_ _0\"></span>ie Zust\u00e4ndigkeiten f\u00fcr das Intra<span class=\"_ _1\"></span>-Kon-<span class=\"_ _128\"> </span>zentrationsrisiko liegen dah<span class=\"_ _0\"></span>er bei den jeweils f\u00fcr die einzelnen Risikoarten verantwortlichen Einheiten.<span class=\"_ _0\"></span> Das Intra-Konzentrat<span class=\"_ _0\"></span>ionsrisiko ist aufgrund des Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dells der Oberbank AG vor allem im Bereich des <span class=\"_ _0\"></span> Kreditrisikos bedeutend<span class=\"_ _0\"></span>. Es ergibt sich dadurch, dass einzelne Forderungen einen hohen A<span class=\"_ _0\"></span>nteil an den <span class=\"_ _0\"></span> Gesamtforderungen hab<span class=\"_ _0\"></span>en oder Forderungen eine \u00fcberdurchschnitt<span class=\"_ _0\"></span>liche Korre<span class=\"_ _0\"></span>lation aufweisen (Konzentr<span class=\"_ _0\"></span>ation in<span class=\"_ _128\"> </span>Forderungsklassen, Gesch\u00e4ftssegmenten, Bran<span class=\"_ _0\"></span>chen, L\u00e4ndern, Kund<span class=\"_ _0\"></span>engruppen etc.). Im Rahmen der Risikot<span class=\"_ _0\"></span>ragf\u00e4-<span class=\"_ _128\"> </span>higkeitsrechnung w<span class=\"_ _0\"></span>ird das Intra-Konzentrat<span class=\"_ _0\"></span>ionsrisiko innerhalb des Kreditrisikos ber\u00fccksichtigt. Die Steuerung der<span class=\"_ _128\"> </span>Konzentrationsrisiken im Kreditrisiko erfolgt \u00fc<span class=\"_ _0\"></span>ber L\u00e4nderlimits, Gro\u00dfkreditgrenzen und Port<span class=\"_ _0\"></span>foliolimits.<span class=\"_ _0\"></span> Die Festlegung der individu<span class=\"_ _0\"></span>ellen L\u00e4nderlimits basiert auf dem Rating u<span class=\"_ _0\"></span>nd der Wirtschaftskraft des Landes sowie der <span class=\"_ _1\"></span> Expertise der Oberbank AG, die sich <span class=\"_ _0\"></span>aus d<span class=\"_ _0\"></span>er Abwicklung von Kundengesch\u00e4ften mit d<span class=\"_ _0\"></span>em jeweiligen Land ergibt. Die Limits<span class=\"_ _128\"> </span>f\u00fcr das operative Gesch\u00e4ft werden au<span class=\"_ _0\"></span>f einzelne Produktkategorien heruntergebrochen. D<span class=\"_ _0\"></span>ie Einhaltung der einzelnen Limits<span class=\"_ _128\"> </span>wird mittels eines Limitsystems auto<span class=\"_ _0\"></span>matisiert \u00fcberwacht.<span class=\"_ _128\"> </span>Portfoliolimits werden au\u00dferd<span class=\"_ _0\"></span>em im Bereich der Fremdw\u00e4hrungsfinanzierungen gesetzt.<span class=\"_ _1\"></span> Der Anteil der zehn gr\u00f6\u00dften Kr<span class=\"_ _0\"></span>editnehmer (Gruppe verbundener Kunden) an d<span class=\"_ _0\"></span>en Krediten und Forderungen sowie <span class=\"_ _1\"></span> festverzinslichen Wertpapieren betru<span class=\"_ _0\"></span>g 18,61 % (Vorjahr: 25,0<span class=\"_ _0\"></span>0 %). Von den 18,61 % entfallen ca. 82 %<span class=\"_ _0\"></span> (Vorjahr: 88 %) au<span class=\"_ _0\"></span>f<span class=\"_ _128\"> </span>Forderungen an den<span class=\"_ _0\"></span> \u00f6ffentlichen Sektor im Heimmarkt der Oberbank AG.<span class=\"_ _0\"></span> Der R\u00fcckgang resultiert aus der dem gesunkenen<span class=\"_ _128\"> </span>Volumen der Veran<span class=\"_ _0\"></span>lagung der \u00dcberliquidit\u00e4t bei den Nationalbanken.<span class=\"_ _0\"></span> Die Konzentration<span class=\"_ _0\"></span>en nach L\u00e4ndern und Branchen sp<span class=\"_ _0\"></span>iegeln die Risiko- un<span class=\"_ _0\"></span>d Gesch\u00e4ftsstrategie als regional verwurzelte <span class=\"_ _0\"></span> Universalbank wider und k\u00f6nnen<span class=\"_ _0\"></span> <span class=\"ff9\">\u2013</span> wie auch w<span class=\"_ _0\"></span>eitere quantitative Informationen zum Kon<span class=\"_ _0\"></span>zentrationsrisiko <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> den Tabellen in<span class=\"_ _128\"> </span>Note 43) entnommen w<span class=\"_ _0\"></span>erden. Das Volumen d<span class=\"_ _0\"></span>er gesamten Gro\u00dfveranlagungen lag w\u00e4hrend des Berichtszeitraumes w<span class=\"_ _0\"></span>eit<span class=\"_ _128\"> </span>unter der aufsichtsrechtlichen Obergrenze.<span class=\"_ _0\"></span> 43) Kreditrisiko<span class=\"_ _128\"> </span>Als Kreditrisiko wird das Risiko verstanden<span class=\"_ _0\"></span>, dass ein Kreditnehmer den vertragsgem\u00e4\u00dfen Zahlun<span class=\"_ _0\"></span>gen nicht oder nur teilweise<span class=\"_ _128\"> </span>nachkommt. Das Kreditrisiko <span class=\"_ _0\"></span>aus Forderungen an Banken, L\u00e4ndern sow<span class=\"_ _0\"></span>ie Privat<span class=\"_ _0\"></span>- und Firmenkunden s<span class=\"_ _0\"></span>tellt die wesentlichste<span class=\"_ _128\"> </span>Risikokomponente im Oberb<span class=\"_ _0\"></span>ank-Konzern dar. Die Risikosteuerun<span class=\"_ _0\"></span>g des Kreditmanagements umfasst Adressau<span class=\"_ _0\"></span>sfall<span class=\"_ _0\"></span>- sowie<span class=\"_ _128\"> </span>Kontrahentenrisiken, L\u00e4nd<span class=\"_ _0\"></span>errisiken, das Fremdw\u00e4hrungskreditrisiko, das Risiko einer Anpassung der Kreditb<span class=\"_ _0\"></span>ewertung (CVA<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>Risiko) sowie Konzentr<span class=\"_ _0\"></span>ationsrisiken. Die Oberbank A<span class=\"_ _0\"></span>G hat keine Gesch\u00e4fte aus dem Bereich Verbr<span class=\"_ _0\"></span>iefungen im Portfolio.<span class=\"_ _0\"></span> Kreditrisikostrategie<span class=\"_ _128\"> </span>Die Strategie im Kreditgesch\u00e4ft ist getragen v<span class=\"_ _0\"></span>om Regionalit\u00e4tsprinzip, der Sitz der Kredit<span class=\"_ _0\"></span>kunden befindet sich in den durch<span class=\"_ _128\"> </span>das Filialnetz abgedeckten Regi<span class=\"_ _0\"></span>onen.<span class=\"_ _128\"> </span>Der Fokus liegt vorwiegend auf der Finan<span class=\"_ _0\"></span>zierung der Industrie und des wirtschaft<span class=\"_ _0\"></span>lichen Mittelstandes. Die operat<span class=\"_ _0\"></span>iven Risiko-<span class=\"_ _128\"> </span>ziele werden zumindest j\u00e4hr<span class=\"_ _0\"></span>lich im Zuge der Budgetierung und im Anlassfall nach A<span class=\"_ _0\"></span>nalyse der gesch\u00e4ftspolitischen Au<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>gangssituat<span class=\"_ _0\"></span>ion sowie der aktuellen Entwicklung von der Gesch\u00e4ftsleitun<span class=\"_ _0\"></span>g mit der Leitung Kredit<span class=\"_ _0\"></span>-Management festgelegt. Das<span class=\"_ _128\"> </span>Volumen der Fremdw\u00e4hrungskredite ist mit<span class=\"_ _0\"></span> 5% der gesamten Forderungen an<span class=\"_ _0\"></span> Kunden bzw. 7% der Privatkredite beschr\u00e4nkt.<span class=\"_ _128\"> </span>Die Neuvergabe von Fremdw<span class=\"_ _0\"></span>\u00e4hrungskrediten an Konsumenten erfolgt gem\u00e4\u00df den st<span class=\"_ _0\"></span>rengen Bestimmungen der FMA Min-<span class=\"_ _128\"> </span>deststandards vo<span class=\"_ _0\"></span>m Juni 2017. Die Ausrichtung der Organisation ist kon<span class=\"_ _0\"></span>form mit den Mindeststandards f\u00fcr das Kreditge-<span class=\"_ _128\"> </span>sch\u00e4ft.<span class=\"_ _128\"> </span>Kreditentscheidungsprozess Klar definierte Aufgaben<span class=\"_ _0\"></span>zuweisungen gew\u00e4hrleisten eind<span class=\"_ _0\"></span>eutige Zust\u00e4ndigkeiten, standardisieren die Ar<span class=\"_ _0\"></span>beitsabl\u00e4ufe, <span class=\"_ _0\"></span> vermeiden Doppelgleisigkeiten un<span class=\"_ _0\"></span>d stellen somit einen reibungslosen Ab<span class=\"_ _0\"></span>lauf der Kreditantragsbewilligung sicher. Der <span class=\"_ _1\"></span> Prozess der Kreditgew\u00e4hrung umfasst alle Arb<span class=\"_ _0\"></span>eits<span class=\"_ _0\"></span>abl\u00e4ufe, die bis zur Auszahlun<span class=\"_ _0\"></span>g des Kredits oder Einrichtung einer Linie<span class=\"_ _128\"> </span>erforderlich sind. Diese Prozesse werden u<span class=\"_ _0\"></span>nter Beachtung der Risikostrat<span class=\"_ _0\"></span>egie in standardisierten Verfahren abgewickelt.<span class=\"_ _1\"></span> Internes Rating und Bonit\u00e4tsbeurteilung<span class=\"_ _128\"> </span>Um ein effektives Kreditrisikoman<span class=\"_ _0\"></span>agement und in diesem Sinne eine faire, risikoad<span class=\"_ _0\"></span>\u00e4quate Konditionen<span class=\"_ _0\"></span>gestaltung in einer<span class=\"_ _128\"> </span>Bank etablieren zu k\u00f6nn<span class=\"_ _0\"></span>en, bedarf es eines leistungsf\u00e4higen Systems zur Bo<span class=\"_ _0\"></span>nit\u00e4tsbeurteilung. Die Oberbank AG betr<span class=\"_ _0\"></span>achtet<span class=\"_ _128\"> </span>den Bonit\u00e4tsbeurteilun<span class=\"_ _0\"></span>gsprozess als eine ihrer Kernkomp<span class=\"_ _0\"></span>etenzen. Im Firmenkundengesch\u00e4ft kommt ein mit st<span class=\"_ _0\"></span>atistischen<span class=\"_ _128\"> </span>Methoden entw<span class=\"_ _0\"></span>ickeltes Ratingsystem zur Anwendung. Gleiches gilt f\u00fcr das Bestand<span class=\"_ _0\"></span>srating im Privatkundengesch\u00e4ft sowie<span class=\"_ _128\"> </span>f\u00fcr das Antragsrating im Privatkundengesch\u00e4ft in<span class=\"_ _0\"></span> \u00d6sterreich un<span class=\"_ _0\"></span>d Deutschland.<span class=\"_ _128\"> </span>Es gibt unterschiedliche Verfahren zur<span class=\"_ _0\"></span> Bonit\u00e4tsbeurteilung im Firmenbereich (Ratingver<span class=\"_ _0\"></span>fahren) und im Privatbereich <span class=\"_ _1\"></span> (Scoringverfahren). Die Rat<span class=\"_ _0\"></span>ingverfahren ermitteln ein Hard<span class=\"_ _0\"></span>-Facts Ratin<span class=\"_ _0\"></span>g (basierend auf aktuell verf\u00fcgbaren Bilanzen sowie<span class=\"_ _128\"> </span>einer Bilanzprogno<span class=\"_ _0\"></span>se) und ein Soft-Facts Rating (qualitat<span class=\"_ _0\"></span>ive Informationen wie Produkte, Markt etc.). Zu<span class=\"_ _0\"></span>sammen mit Warni-<span class=\"_ _128\"> </span>ndikatoren und Kontod<span class=\"_ _0\"></span>aten wird das finale Ratingergebnis ermittelt.<span class=\"_ _128\"> </span>Die Scoringverfahren setzen sich f\u00fcr<span class=\"_ _0\"></span> neue Privatkunden aus einem Antrag<span class=\"_ _1\"></span>sscoring (Negativinfos, Einkommen und<span class=\"_ _0\"></span> Struktur-<span class=\"_ _128\"> </span>daten) und f\u00fcr Best<span class=\"_ _0\"></span>andskunden aus einem automatisierten Folgescoring (Konto<span class=\"_ _0\"></span>verhalten, Einkommen und Strukturdat<span class=\"_ _0\"></span>en)<span class=\"_ _128\"> </span>zusammen. Die Rating- u<span class=\"_ _0\"></span>nd Scoringverfahren ermitteln eine gesch\u00e4tzte Au<span class=\"_ _0\"></span>sfallwahrscheinlichkeit <span class=\"_ _0\"></span>pro Kund<span class=\"_ _0\"></span>e. Diese Ausfall-<span class=\"_ _128\"> </span>wahrscheinlichkeit wird au<span class=\"_ _0\"></span>f eine Masterskala gemappt. Somit ist sichergestellt, das<span class=\"_ _0\"></span>s eine bestimmte Ratingnote, die aus ver-<span class=\"_ _128\"> </span>schiedenen Ratingverfahr<span class=\"_ _0\"></span>en resultiert, dieselbe Ausfallwahrscheinlichkeit darstellt. <span class=\"_ _0\"></span>D<span class=\"_ _0\"></span>ie Bonit\u00e4tsbeurteilung <span class=\"_ _0\"></span>von Banken und<span class=\"_ _128\"> </span>L\u00e4ndern sowie die damit v<span class=\"_ _0\"></span>erbundene Festlegung von Limiten erfolgt a<span class=\"_ _0\"></span>uf Basis externer Ratings und Bilan<span class=\"_ _0\"></span>zanalysen von Ban-<span class=\"_ _128\"> </span>ken, kombiniert mit qualitativen Kriterien.<span class=\"_ _0\"></span> Die Ratingverfahren werden<span class=\"_ _0\"></span> j\u00e4hrlich validiert. Die resultierenden Erkenntn<span class=\"_ _0\"></span>isse<span class=\"_ _0\"></span> werden laufend zur Weiterentwicklung u<span class=\"_ _0\"></span>nd<span class=\"_ _128\"> </span>Verbesserung der R<span class=\"_ _0\"></span>atingverfahren verwendet. Der Ratingprozess wird b<span class=\"_ _0\"></span>ei Kreditvergabe und in weiterer Folge zumindest<span class=\"_ _128\"> </span>einmal j\u00e4hrlich durch<span class=\"_ _0\"></span>gef\u00fchrt. Die Kompetenz zur Freigabe der Ratin<span class=\"_ _0\"></span>gs wird durch die Abteilung Kre<span class=\"_ _0\"></span>dit<span class=\"_ _0\"></span>-Management wahrge-<span class=\"_ _128\"> </span>nommen. Zwischen d<span class=\"_ _0\"></span>er Einstufung im Risikoklassifizierungsverfah<span class=\"_ _0\"></span>ren und der Kondition<span class=\"_ _0\"></span>engestaltung besteht ein sachlich<span class=\"_ _128\"> </span>nachvollziehbarer Zu<span class=\"_ _0\"></span>sammenhang (risikoorientierte Konditionenp<span class=\"_ _0\"></span>olitik), der mittels automatisierter Prozesse unterst\u00fct<span class=\"_ _1\"></span>zt<span class=\"_ _128\"> </span>wird.<span class=\"_ _128\"> </span>Risikosteuerung und Controlling<span class=\"_ _0\"></span> <span class=\"_ _78\"> </span> Die operative Steuerung des Kreditp<span class=\"_ _0\"></span>ortfolios erfolgt haupts\u00e4chlich auf Basis der Unterd<span class=\"_ _0\"></span>eckungen je Ratingstufe. Die <span class=\"_ _0\"></span> Unterdeckungen werden ab d<span class=\"_ _0\"></span>er Ratingstufe 4a auf Einzelkundenbasis im Rahmen des j\u00e4hrlichen Bu<span class=\"_ _0\"></span>dge<span class=\"_ _0\"></span>tieru<span class=\"_ _0\"></span>ngskreislaufes<span class=\"_ _128\"> </span>geplant und es wird mon<span class=\"_ _0\"></span>atlich je Gesch\u00e4ftsstelle die Abweichung vom Sollwert<span class=\"_ _0\"></span> ermittelt. Das laufende Controlling erfolgt<span class=\"_ _128\"> </span>\u00fcber das IT-<span class=\"ff9\">Risikocockpit<span class=\"_ _0\"></span> \u201eROSI\u201c (Risikoorientierte Steuerungsin<span class=\"_ _0\"></span>strumente), das den im Kreditpr<span class=\"_ _0\"></span>ozess beteiligten St<span class=\"_ _0\"></span></span>ellen<span class=\"_ _128\"> </span>quantitative und qualitat<span class=\"_ _0\"></span>ive Informationen zum Kreditgesch\u00e4ft laufend<span class=\"_ _0\"></span> zur Verf\u00fcgung stellt. Der Risikovorsorgebedarf wird<span class=\"_ _128\"> </span>monatlich ermittelt und in d<span class=\"_ _0\"></span>er Ergebnisvorschau aktualisiert. Die N\u00e4he zu d<span class=\"_ _0\"></span>en KundInnen wird in d<span class=\"_ _0\"></span>er Oberbank AG generell<span class=\"_ _128\"> </span>gro\u00dfgeschrieben. Die Er<span class=\"_ _0\"></span>gebnisse aus tourlichen pers\u00f6nlichen Gespr\u00e4chen<span class=\"_ _0\"></span> mit den KundInnen sowie Kampagn<span class=\"_ _0\"></span>en, die aus<span class=\"_ _128\"> </span>aktuellen Anl\u00e4ssen r<span class=\"_ _0\"></span>esultieren (COVID-19, Gasabh\u00e4n<span class=\"_ _0\"></span>gigkeit) flie\u00dfen in das Rating ein (in die Hard<span class=\"_ _0\"></span> Facts Prognosen, in die Soft<span class=\"_ _128\"> </span>Facts und in die Fr\u00fchw<span class=\"_ _0\"></span>arnindikatoren). Die Frequenz d<span class=\"_ _0\"></span>ieser Check-Gespr\u00e4che wird in Krisen<span class=\"_ _0\"></span>jahren erh\u00f6ht. Au<span class=\"_ _0\"></span>fgrund der ge-<span class=\"_ _128\"> </span>genw\u00e4rtigen Auswirkungen d<span class=\"_ _0\"></span>es Krieges in der Ukraine und der damit<span class=\"_ _0\"></span> einhergehenden Energiekrise w<span class=\"_ _0\"></span>urde eine gro\u00dfange-<span class=\"_ _128\"> </span>legte Kampagne mit diesen Check<span class=\"_ _0\"></span>-Gespr\u00e4chen dur<span class=\"_ _0\"></span>chgef\u00fchrt. Die aktuelle Gesch\u00e4ftssitu<span class=\"_ _0\"></span>ation unserer KundInn<span class=\"_ _0\"></span>en wird somit<span class=\"_ _128\"> </span>sehr schnell in der Bonit\u00e4tsbeu<span class=\"_ _0\"></span>rteilung ber\u00fccksichtigt.<span class=\"_ _0\"></span> Darstellung des Portfolios<span class=\"_ _128\"> </span>Das Kreditrisikovolumen setzt<span class=\"_ _0\"></span> sich aus den in<span class=\"_ _0\"></span> der Bilanzposition Barreserve enthaltenen Forderungen an<span class=\"_ _0\"></span> Nationalbanken<span class=\"_ _128\"> </span>und den Bilanzpo<span class=\"_ _0\"></span>sitionen Forderungen an Kreditin<span class=\"_ _0\"></span>stitute, Forderungen an Kunden, den festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Finanzanlagen, den Kr<span class=\"_ _0\"></span>editrisiken aus Derivaten und E<span class=\"_ _0\"></span>ventualverbindlichkeiten einschlie\u00dflich nicht<span class=\"_ _0\"></span> ausgen\u00fctzter Kreditrah-<span class=\"_ _128\"> </span>men sowie den Operat<span class=\"_ _0\"></span>ing Leasing Forderungen des gesamten Oberbank A<span class=\"_ _0\"></span>G Konzerns zusammen und wird brutto, d.h. vor<span class=\"_ _128\"> </span>Abzug der Risikovorsorgen dar<span class=\"_ _0\"></span>gestellt. Um ein m\u00f6glichst aktuelles Bild der <span class=\"_ _0\"></span>Risikosit<span class=\"_ _0\"></span>uation der Bank wiederzugeben, werden<span class=\"_ _128\"> </span>auch die Positionen au<span class=\"_ _0\"></span>s dem Leasing-Teilkonzern per 31.12.2022 d<span class=\"_ _0\"></span>argestellt, w\u00e4hrend im Konzernabschluss <span class=\"_ _0\"></span>der Einbezug mit<span class=\"_ _128\"> </span>Zahlen zum 30.9.2022 erfolgt.<table class=\"s w3ec h1ec\" id=\"_d2b61aa7-75bf-42f4-862c-f5785df8330f\"><tr><td></td><td class=\"c x2f1 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td><td class=\"c x2f2 y1598 w3ed h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen per<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y1599 w13d h3a\"><div class=\"t m0 x90 h5 y7e ff9 fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div></td><td class=\"c x2f3 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f4 y159a w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x1dc y159b w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kredite und Forderungen </div></td><td class=\"c x1e1 y159b w13e h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.503.848 </div></td><td class=\"c x2f5 y159b w13f h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.574.646 </div></td></tr><tr><td class=\"c x1dc y159c w13d h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche Wertpap<span class=\"_ _0\"></span>iere  </div></td><td class=\"c x1e1 y159c w13e h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.088.027 </div></td><td class=\"c x2f5 y159c w13f h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.654.997 </div></td></tr><tr><td class=\"c x1dc y159d w13d h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _0\"></span> und Eventualverbindlichkeiten  </div></td><td class=\"c x1e1 y159d w13e h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.211.812 </div></td><td class=\"c x2f5 y159d w13f h3c\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.074.169 </div></td></tr><tr><td class=\"c x1dc y159e w13d h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x1e1 y159e w13e h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td><td class=\"c x2f5 y159e w13f h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Der R\u00fcckgang bei den \u201eKred<span class=\"_ _0\"></span>iten und Forderungen\u201c resultiert aus dem star<span class=\"_ _0\"></span>ken R\u00fcckgang der Veranlagung der \u00dcberliqu<span class=\"_ _0\"></span>idit\u00e4t<span class=\"_ _128\"> </span>bei Nationalbanken (<span class=\"_ _0\"></span>- 2,0 Mrd. EUR) haupts\u00e4chlich in Folge einer T<span class=\"_ _0\"></span>eilr\u00fcckzahlung eines TLTRO in der H\u00f6h<span class=\"_ _0\"></span>e von 1,5 Mrd. <span class=\"_ _0\"></span>EUR.<span class=\"_ _128\"> </span>Zum Teil wurde dieser R\u00fcckgang d<span class=\"_ _0\"></span>urch das Wachstum d<span class=\"_ _0\"></span>er Forderungen an Kunden (+ 0,8 Mrd. EU<span class=\"_ _0\"></span>R) und Forderungen an<span class=\"_ _128\"> </span>Banken (+ 0,2 Mrd<span class=\"_ _0\"></span>. EUR) kompensiert.<span class=\"_ _128\"> </span>Nach Ende der Niedr<span class=\"_ _0\"></span>igzinsphase wurde im Jahr 2022 wieder verst\u00e4rkt in hochliquid<span class=\"_ _0\"></span>e Wertpapiere investie<span class=\"_ _0\"></span>rt. D<span class=\"_ _0\"></span>ies f\u00fchrte bei<span class=\"_ _128\"> </span>den festverzinslichen Wertpap<span class=\"_ _0\"></span>ieren zu einem Anstieg von 0,4 Mrd. EUR.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Verteilung nach Bonit\u00e4tsstufen<span class=\"_ _0\"></span> In der Bonit\u00e4tsstu<span class=\"_ _0\"></span>fe \u201eSehr gut\u201c (entspricht einer PD<span class=\"_ _0\"></span><span class=\"ff4\">-Bandbreite von 0,00% <span class=\"_ _0\"></span>- 0,39%) befinden sich die Ratingklassen AA,<span class=\"_ _0\"></span> A1,<span class=\"_ _128\"> </span></span>1a und <span class=\"_ _0\"></span><span class=\"ff9\">1b, in der Stufe \u201eGut\u201c (entspricht einer PD<span class=\"_ _0\"></span></span>-Bandbreite von 0,4% <span class=\"_ _0\"></span>- 3,49%) die Ratingklassen 2a, 2b, 3a und<span class=\"_ _0\"></span> 3b und in<span class=\"_ _128\"> </span>der Stufe \u201eMangelhaft<span class=\"_ _0\"></span>\u201c (entspricht einer PD<span class=\"_ _0\"></span><span class=\"ff4\">-Bandbreite von 3,5% - </span>99,9%) d<span class=\"_ _0\"></span>ie Ratingklassen 4a und 4b. In<span class=\"_ _0\"></span> der Stufe \u201enon<span class=\"_ _0\"></span><span class=\"ff4\">-<span class=\"_ _128\"> </span></span>performing\u201c befinden<span class=\"_ _0\"></span><span class=\"ff4\"> sich jene Kreditrisikovolumina, f\u00fcr die ein Au<span class=\"_ _0\"></span>sfallkriterium im Sinne der CRR II zutrifft: Die Ratingklasse<span class=\"_ _128\"> </span></span>5a beinhaltet jene Kred<span class=\"_ _0\"></span>itrisikovolumina, die noch nicht in Abwicklung sind<span class=\"_ _0\"></span>. Die Kreditrisikovolumina in den Ratingklassen 5b<span class=\"_ _0\"></span> und 5c werden bereits b<span class=\"_ _0\"></span>etrieben. Das gesamte non<span class=\"_ _0\"></span>-performing Kreditrisikovolumen beinhaltet wegen des hoh<span class=\"_ _0\"></span>en Besiche-<span class=\"_ _128\"> </span>rungsgrades einen Betrag von 79,4 M<span class=\"_ _0\"></span>io. Euro (Vorjahr 40,9 Mio. Eu<span class=\"_ _0\"></span>ro) an nicht wertgemindertem Kreditrisikovolu<span class=\"_ _0\"></span>men.<span class=\"_ _0\"></span> <table class=\"s w3ee h1ee\" id=\"_5ed34ed4-b5f5-414f-842a-024de4a61eb0\"><tr><td class=\"c x178 y159f w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y159f w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y159f w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15a0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15a1 w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15a1 w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15a1 w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15a2 w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15a3 w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15a4 w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15a5 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15a5 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.955.866 </div></td><td class=\"c x2ff y15a5 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.028.476 </div></td><td class=\"c x300 y15a5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.412.004 </div></td><td class=\"c x2fc y15a5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.396.346 </div></td></tr><tr><td class=\"c x1dc y15a6 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15a6 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.579.314 </div></td><td class=\"c x2ff y15a6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.250 </div></td><td class=\"c x300 y15a6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.713.917 </div></td><td class=\"c x2fc y15a6 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.352.481 </div></td></tr><tr><td class=\"c x1dc y15a7 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15a7 w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">447.970 </div></td><td class=\"c x2ff y15a7 w143 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a7 w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.263 </div></td><td class=\"c x2fc y15a7 w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">504.533 </div></td></tr><tr><td class=\"c x1dc y15a8 w141 h38\"><div class=\"t m0 x90 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15a8 w142 h38\"><div class=\"t m0 xf h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">520.699 </div></td><td></td><td class=\"c x300 y15a8 w144 h38\"><div class=\"t m0 x109 h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">29.628 </div></td><td class=\"c x2fc y15a8 w145 h38\"><div class=\"t m0 x2e h5 ydd ff4 fs2 fc2 sc0 ls0 ws0\">550.328 </div></td></tr><tr><td class=\"c x1dc y15a9 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15a9 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15a9 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15a9 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15a9 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15aa w3ef h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15aa w3f0 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15aa w3f1 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15ab w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15ac w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15ac w3f4 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15ac w3f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15ad w3f6 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15ae w145 h6f\"><div class=\"t m0 x54 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15af w3f7 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b0 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x2fe y15b0 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.692.500 </div></td><td class=\"c x2ff y15b0 w143 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.584.251 </div></td><td class=\"c x300 y15b0 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.197.267 </div></td><td class=\"c x2fc y15b0 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.474.018 </div></td></tr><tr><td class=\"c x1dc y15b1 w141 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x2fe y15b1 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.900.852 </div></td><td class=\"c x2ff y15b1 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">70.446 </div></td><td class=\"c x300 y15b1 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.750.412 </div></td><td class=\"c x2fc y15b1 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.721.709 </div></td></tr><tr><td class=\"c x1dc y15b2 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x2fe y15b2 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">597.510 </div></td><td class=\"c x2ff y15b2 w143 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b2 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.031 </div></td><td class=\"c x2fc y15b2 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">691.841 </div></td></tr><tr><td class=\"c x1dc y15b3 w141 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x2fe y15b3 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">383.784 </div></td><td></td><td class=\"c x300 y15b3 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">32.460 </div></td><td class=\"c x2fc y15b3 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.244 </div></td></tr><tr><td class=\"c x1dc y15b4 w141 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15b4 w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15b4 w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15b4 w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15b4 w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Verteilung nach Regionen<span class=\"_ _128\"> </span>Die geografische Darstellung des Kred<span class=\"_ _0\"></span>itrisikovolumens erfolgt nach dem Sitzland d<span class=\"_ _0\"></span>er SchuldnerInnen. Die folgenden T<span class=\"_ _0\"></span>abellen<span class=\"_ _128\"> </span>zeigen das Kreditrisikovolumen per 31.12.2022 u<span class=\"_ _0\"></span>nd 31.12.2021 nach Oberb<span class=\"_ _0\"></span>ank<span class=\"_ _0\"></span>-M\u00e4rkten und anderen Regionen.<span class=\"_ _0\"></span> <table class=\"s w3ee h1ef\" id=\"_0279eed4-b7fe-4a0d-827b-d34f1ccc5c56\"><tr><td class=\"c x178 y15b5 w3f8 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x301 y15b5 w3f0 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x302 y15b5 w3f1 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x303 y15b5 w3f9 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten<span class=\"_ _128\"> </span></div></td><td class=\"c x304 y15b6 w103 h3b\"><div class=\"t m0 x54 h6 y93f ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y15b7 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15b7 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x305 y15b7 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2af y15b7 w3fa h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">und Eventualverbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15b8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15b8 w54 h37\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.317.774 </div></td><td class=\"c x306 y15b8 w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">677.885 </div></td><td class=\"c x307 y15b8 w148 h37\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.434.837 </div></td><td class=\"c x304 y15b8 w103 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.430.497 </div></td></tr><tr><td class=\"c x1dc y15b9 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15b9 w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.627.064 </div></td><td class=\"c x306 y15b9 w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.687 </div></td><td class=\"c x307 y15b9 w148 h39\"><div class=\"t m0 x10a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.093.754 </div></td><td class=\"c x304 y15b9 w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.850.505 </div></td></tr><tr><td class=\"c x1dc y15ba w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15ba w54 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.196.334 </div></td><td class=\"c x306 y15ba w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">384.573 </div></td><td class=\"c x307 y15ba w148 h39\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">554.908 </div></td><td class=\"c x304 y15ba w103 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.135.815 </div></td></tr><tr><td class=\"c x1dc y15bb w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15bb w54 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">196.100 </div></td><td class=\"c x306 y15bb w147 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">309.886 </div></td><td class=\"c x307 y15bb w148 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.217 </div></td><td class=\"c x304 y15bb w103 h39\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.203 </div></td></tr><tr><td class=\"c x1dc y15bc w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15bc w54 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.659 </div></td><td class=\"c x306 y15bc w147 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.799 </div></td><td class=\"c x307 y15bc w148 h39\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.647 </div></td><td class=\"c x304 y15bc w103 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.105 </div></td></tr><tr><td class=\"c x1dc y15bd w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15bd w54 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">147.917 </div></td><td class=\"c x306 y15bd w147 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">531.195 </div></td><td class=\"c x307 y15bd w148 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.449 </div></td><td class=\"c x304 y15bd w103 h37\"><div class=\"t m0 x72 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">769.561 </div></td></tr><tr><td class=\"c x1dc y15be w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15be w54 h39\"><div class=\"t m0 x4d h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x306 y15be w147 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x307 y15be w148 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x304 y15be w103 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y15bf w3f8 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x2f6 y15bf w3f0 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f7 y15bf w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x2f8 y15c0 w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x178 y15c1 w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x2f9 y15c1 w3f4 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x2fa y15c1 w3f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x2fb y15c2 w3f6 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventualver-<span class=\"_ _128\"> </span></div></td><td class=\"c x2fc y15c3 w145 h6f\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2fd y15c4 w3f7 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">bindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y15c5 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x2fe y15c5 w142 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.171.484 </div></td><td class=\"c x2ff y15c5 w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">462.960 </div></td><td class=\"c x300 y15c5 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.406.878 </div></td><td class=\"c x2fc y15c5 w145 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.041.321 </div></td></tr><tr><td class=\"c x1dc y15c6 w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x2fe y15c6 w142 h39\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.076.226 </div></td><td class=\"c x2ff y15c6 w143 h39\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">92.258 </div></td><td class=\"c x300 y15c6 w144 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.124.048 </div></td><td class=\"c x2fc y15c6 w145 h39\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.292.531 </div></td></tr><tr><td class=\"c x1dc y15c7 w146 h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, SK, HU) </div></td><td class=\"c x2fe y15c7 w142 h3c\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.966.726 </div></td><td class=\"c x2ff y15c7 w143 h3c\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">375.727 </div></td><td class=\"c x300 y15c7 w144 h3c\"><div class=\"t m0 x10b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.461 </div></td><td class=\"c x2fc y15c7 w145 h3c\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.788.915 </div></td></tr><tr><td class=\"c x1dc y15c8 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x2fe y15c8 w142 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.216 </div></td><td class=\"c x2ff y15c8 w143 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.198 </div></td><td class=\"c x300 y15c8 w144 h37\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.635 </div></td><td class=\"c x2fc y15c8 w145 h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">351.050 </div></td></tr><tr><td class=\"c x1dc y15c9 w146 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x2fe y15c9 w142 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.550 </div></td><td class=\"c x2ff y15c9 w143 h37\"><div class=\"t m0 x38 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">49.266 </div></td><td class=\"c x300 y15c9 w144 h37\"><div class=\"t m0 xbb h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.857 </div></td><td class=\"c x2fc y15c9 w145 h37\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.673 </div></td></tr><tr><td class=\"c x1dc y15ca w146 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x2fe y15ca w142 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.444 </div></td><td class=\"c x2ff y15ca w143 h39\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.588 </div></td><td class=\"c x300 y15ca w144 h39\"><div class=\"t m0 x109 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.290 </div></td><td class=\"c x2fc y15ca w145 h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">748.323 </div></td></tr><tr><td class=\"c x1dc y15cb w146 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisikovolumen </div></td><td class=\"c x2fe y15cb w142 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x2ff y15cb w143 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x300 y15cb w144 h39\"><div class=\"t m0 xad h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x2fc y15cb w145 h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Verteilung nach Branchen<span class=\"_ _0\"></span> In den folgenden Tab<span class=\"_ _0\"></span>ellen ist das Kreditrisikovolumen per 31.12.2022 und<span class=\"_ _0\"></span> <span class=\"_ _0\"></span>31.12.2021 nach Branchen dar<span class=\"_ _0\"></span>gestellt. Die Eintei-<span class=\"_ _128\"> </span>lung erfolgt erstmals nach OENACE<span class=\"_ _0\"></span>. Die Darstellung aus d<span class=\"_ _0\"></span>em Vorjahr wurde dementsprechend angepasst.<span class=\"_ _0\"></span> <table class=\"s w3fb h1f0\" id=\"_383de3a7-f38a-4ae6-9a50-0ef1da12a962\"><tr><td class=\"c x308 y15cc w3fc h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x309 y15cc w3f0 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x30a y15cc w3f1 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche</div></td><td class=\"c x30b y15cd w3fd h1f1\" colspan=\"2\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Deriva-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x308 y15ce w3f3 h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x30c y15ce w3f4 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">rungen<span class=\"_ _128\"> </span></div></td><td class=\"c x30d y15ce w3f5 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere<span class=\"_ _128\"> </span></div></td><td class=\"c x30e y15cf w3fe h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">ten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x30f y15d0 w152 h6f\"><div class=\"t m0 x37 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x30e y15d1 w3ff h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y15d2 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x310 y15d2 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">172.252 </div></td><td></td><td class=\"c x311 y15d2 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.830 </div></td><td class=\"c x30f y15d2 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">198.083 </div></td></tr><tr><td class=\"c x1a7 y15d3 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x310 y15d3 w14f h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">56.475 </div></td><td></td><td class=\"c x311 y15d3 w151 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">73.290 </div></td><td class=\"c x30f y15d3 w152 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.765 </div></td></tr><tr><td class=\"c x1a7 y15d4 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x310 y15d4 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.817.072 </div></td><td class=\"c x312 y15d4 w150 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.640 </div></td><td class=\"c x311 y15d4 w151 h37\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.331 </div></td><td class=\"c x30f y15d4 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.411.043 </div></td></tr><tr><td class=\"c x1a7 y15d5 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x310 y15d5 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">156.036 </div></td><td class=\"c x312 y15d5 w150 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.200 </div></td><td class=\"c x311 y15d5 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">98.447 </div></td><td class=\"c x30f y15d5 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">255.684 </div></td></tr><tr><td class=\"c x1a7 y15d6 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">fallentsorgung </div></td><td class=\"c x310 y15d6 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.572 </div></td><td></td><td class=\"c x311 y15d6 w151 h3b\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">34.484 </div></td><td class=\"c x30f y15d6 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">135.056 </div></td></tr><tr><td class=\"c x1a7 y15d7 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x310 y15d7 w14f h37\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.121.644 </div></td><td></td><td class=\"c x311 y15d7 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">665.178 </div></td><td class=\"c x30f y15d7 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.786.822 </div></td></tr><tr><td class=\"c x1a7 y15d8 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x310 y15d8 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.534.242 </div></td><td></td><td class=\"c x311 y15d8 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">933.002 </div></td><td class=\"c x30f y15d8 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.467.244 </div></td></tr><tr><td class=\"c x1a7 y15d9 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x310 y15d9 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">873.809 </div></td><td class=\"c x312 y15d9 w150 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.929 </div></td><td class=\"c x311 y15d9 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">124.567 </div></td><td class=\"c x30f y15d9 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.018.305 </div></td></tr><tr><td class=\"c x1a7 y15da w14e ha0\"><div class=\"t m0 x90 h5 y969 ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astrono-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls1f ws0\">mie<span class=\"ls0\"> </span></div></td><td class=\"c x310 y15da w14f ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">346.945 </div></td><td class=\"c x312 y15da w150 ha0\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15da w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.936 </div></td><td class=\"c x30f y15da w152 ha0\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">417.181 </div></td></tr><tr><td class=\"c x1a7 y15db w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>ni-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">kation </div></td><td class=\"c x310 y15db w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">120.610 </div></td><td></td><td class=\"c x311 y15db w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.954 </div></td><td class=\"c x30f y15db w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">211.564 </div></td></tr><tr><td class=\"c x1a7 y15dc w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungs-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15dc w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.373.701 </div></td><td class=\"c x312 y15dc w150 h3b\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">667.918 </div></td><td class=\"c x311 y15dc w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">319.736 </div></td><td class=\"c x30f y15dc w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.361.356 </div></td></tr><tr><td class=\"c x1a7 y15dd w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Woh-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nungswesen </div></td><td class=\"c x310 y15dd w14f h3a\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.186.704 </div></td><td></td><td class=\"c x311 y15dd w151 h3a\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">595.697 </div></td><td class=\"c x30f y15dd w152 h3a\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.782.400 </div></td></tr><tr><td class=\"c x308 y15de w400 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y15df w401 h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Dienstleistungen<span class=\"_ _128\"> </span></div></td><td class=\"c x310 y15e0 w14f h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.399.725 </div></td><td class=\"c x312 y15e0 w150 h3b\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.192 </div></td><td class=\"c x311 y15e0 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">503.426 </div></td><td class=\"c x30f y15e0 w152 h3b\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.906.343 </div></td></tr><tr><td class=\"c x1a7 y15e1 w14e h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. Dienst<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">leistungen </div></td><td class=\"c x310 y15e1 w14f h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">697.356 </div></td><td class=\"c x312 y15e1 w150 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x311 y15e1 w151 h3b\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.683 </div></td><td class=\"c x30f y15e1 w152 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.040 </div></td></tr><tr><td class=\"c x1a7 y15e2 w14e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x310 y15e2 w14f h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.893 </div></td><td class=\"c x312 y15e2 w150 h37\"><div class=\"t m0 x2c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.356.847 </div></td><td class=\"c x311 y15e2 w151 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">311.689 </div></td><td class=\"c x30f y15e2 w152 h37\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.911.430 </div></td></tr><tr><td class=\"c x1a7 y15e3 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x310 y15e3 w14f h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.321 </div></td><td></td><td class=\"c x311 y15e3 w151 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.411 </div></td><td class=\"c x30f y15e3 w152 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.732 </div></td></tr><tr><td class=\"c x1a7 y15e4 w14e h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls2e ws0\">Q <span class=\"ls0\">Gesundh<span class=\"_ _0\"></span>eits- und Sozialwe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x310 y15e4 w14f h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.477 </div></td><td></td><td class=\"c x311 y15e4 w151 h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.802 </div></td><td class=\"c x30f y15e4 w152 h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">235.279 </div></td></tr><tr><td class=\"c x1a7 y15e5 w14e ha0\"><div class=\"t m0 x90 h5 y333 ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Er-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">holung </div></td><td class=\"c x310 y15e5 w14f ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.236 </div></td><td></td><td class=\"c x311 y15e5 w151 ha0\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.728 </div></td><td class=\"c x30f y15e5 w152 ha0\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.964 </div></td></tr><tr><td class=\"c x1a7 y15e6 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x310 y15e6 w14f h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.917 </div></td><td></td><td class=\"c x311 y15e6 w151 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.855 </div></td><td class=\"c x30f y15e6 w152 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">212.772 </div></td></tr><tr><td class=\"c x1a7 y15e7 w14e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x310 y15e7 w14f h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.897.858 </div></td><td></td><td class=\"c x311 y15e7 w151 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">518.764 </div></td><td class=\"c x30f y15e7 w152 h39\"><div class=\"t m0 xe h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.416.622 </div></td></tr><tr><td class=\"c x1a7 y15e8 w14e h3b\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>io-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">nen </div></td><td></td><td></td><td class=\"c x311 y15e8 w151 h3b\"><div class=\"t m0 xaa h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x30f y15e8 w152 h3b\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td></tr><tr><td class=\"c x1a7 y15e9 w14e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x310 y15e9 w14f h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">22.503.848<span class=\"ls0\"> </span></div></td><td class=\"c x312 y15e9 w150 h39\"><div class=\"t m0 x2c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">2.088.027<span class=\"ls0\"> </span></div></td><td class=\"c x311 y15e9 w151 h39\"><div class=\"t m0 x4 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.211.812<span class=\"ls0\"> </span></div></td><td class=\"c x30f y15e9 w152 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">30.803.687<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y15ea w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x313 y15ea w402 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und<span class=\"_ _128\"> </span></div></td><td class=\"c x314 y15ea w3f1 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Festverzinsliche<span class=\"_ _128\"> </span></div></td><td class=\"c x315 y15eb w3f2 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c8 y15ec w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x316 y15ec w403 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x317 y15ec w404 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertpapiere</div></td><td class=\"c x318 y15ed w405 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivaten und Eventual-<span class=\"_ _128\"> </span></div></td><td class=\"c x319 y15ee w14d h6f\"><div class=\"t m0 x2b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x31a y15ef w3ff h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">verbindlichkeiten<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y15f0 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x31b y15f0 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">151.999 </div></td><td></td><td class=\"c x31c y15f0 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.464 </div></td><td class=\"c x319 y15f0 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">175.463 </div></td></tr><tr><td class=\"c x2c6 y15f1 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x31b y15f1 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.137 </div></td><td></td><td class=\"c x31c y15f1 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">86.366 </div></td><td class=\"c x319 y15f1 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">131.503 </div></td></tr><tr><td class=\"c x2c6 y15f2 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x31b y15f2 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.569.131 </div></td><td></td><td class=\"c x31c y15f2 w14c h37\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.632.827 </div></td><td class=\"c x319 y15f2 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.201.957 </div></td></tr><tr><td class=\"c x2c6 y15f3 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x31b y15f3 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.932 </div></td><td class=\"c x2b5 y15f3 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.650 </div></td><td class=\"c x31c y15f3 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.917 </div></td><td class=\"c x319 y15f3 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">163.498 </div></td></tr><tr><td class=\"c x2c6 y15f4 w14a hbc\"><div class=\"t m0 x90 h5 y95a ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallentsor-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gung </div></td><td class=\"c x31b y15f4 wee hbc\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">100.017 </div></td><td></td><td class=\"c x31c y15f4 w14c hbc\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.216 </div></td><td class=\"c x319 y15f4 w14d hbc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">130.233 </div></td></tr><tr><td class=\"c x2c6 y15f5 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x31b y15f5 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.054.901 </div></td><td></td><td class=\"c x31c y15f5 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">621.097 </div></td><td class=\"c x319 y15f5 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.675.998 </div></td></tr><tr><td class=\"c x2c6 y15f6 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x31b y15f6 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.341.088 </div></td><td></td><td class=\"c x31c y15f6 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">982.685 </div></td><td class=\"c x319 y15f6 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.323.772 </div></td></tr><tr><td class=\"c x2c6 y15f7 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x31b y15f7 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">845.848 </div></td><td class=\"c x2b5 y15f7 w14b h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.993 </div></td><td class=\"c x31c y15f7 w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">102.259 </div></td><td class=\"c x319 y15f7 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">958.100 </div></td></tr><tr><td class=\"c x2c6 y15f8 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x31b y15f8 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">416.413 </div></td><td class=\"c x2b5 y15f8 w14b h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">300<span class=\"ls0\"> </span></div></td><td class=\"c x31c y15f8 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">78.986 </div></td><td class=\"c x319 y15f8 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">495.698 </div></td></tr><tr><td class=\"c x2c6 y15f9 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x31b y15f9 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">146.060 </div></td><td></td><td class=\"c x31c y15f9 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.880 </div></td><td class=\"c x319 y15f9 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">201.940 </div></td></tr><tr><td class=\"c x2c6 y15fa w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- <span class=\"ls6\">und </span>Versicherungsleistungen </div></td><td class=\"c x31b y15fa wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.131.770 </div></td><td class=\"c x2b5 y15fa w14b h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">500.842 </div></td><td class=\"c x31c y15fa w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">315.493 </div></td><td class=\"c x319 y15fa w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.948.105 </div></td></tr><tr><td class=\"c x2c6 y15fb w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswesen </div></td><td class=\"c x31b y15fb wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.903.369 </div></td><td class=\"c x2b5 y15fb w14b h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.479 </div></td><td class=\"c x31c y15fb w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">613.816 </div></td><td class=\"c x319 y15fb w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.526.664 </div></td></tr><tr><td class=\"c x2c6 y15fc w14a h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x31b y15fc wee h3a\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.426.424 </div></td><td class=\"c x2b5 y15fc w14b h3a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.302 </div></td><td class=\"c x31c y15fc w14c h3a\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">602.465 </div></td><td class=\"c x319 y15fc w14d h3a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.192 </div></td></tr></table><table class=\"s w406 h1f2\" id=\"_0f142a87-cddd-473b-a332-758787ecea99\"><tr><td class=\"c x1dc y15fd w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. Wirtschaftl. <span class=\"_ _0\"></span>Dienstleistungen </div></td><td class=\"c x31d y15fd wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">561.388 </div></td><td class=\"c x31e y15fd w14b h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.000 </div></td><td class=\"c x31f y15fd w14c h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">118.942 </div></td><td class=\"c x320 y15fd w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">710.330 </div></td></tr><tr><td class=\"c x1dc y15fe w14a h38\"><div class=\"t m0 x90 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x31d y15fe wee h38\"><div class=\"t m0 x47 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">456.888 </div></td><td class=\"c x31e y15fe w14b h38\"><div class=\"t m0 xf8 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.099.431 </div></td><td class=\"c x31f y15fe w14c h38\"><div class=\"t m0 x3a h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">67.821 </div></td><td class=\"c x320 y15fe w14d h38\"><div class=\"t m0 x11 h5 y81 ff4 fs2 fc2 sc0 ls0 ws0\">1.624.140 </div></td></tr><tr><td class=\"c x1dc y15ff w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x31d y15ff wee h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.260 </div></td><td></td><td class=\"c x31f y15ff w14c h37\"><div class=\"t m0 x4e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.569 </div></td><td class=\"c x320 y15ff w14d h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.829 </div></td></tr><tr><td class=\"c x1dc y1600 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x31d y1600 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">152.682 </div></td><td></td><td class=\"c x31f y1600 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.755 </div></td><td class=\"c x320 y1600 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.437 </div></td></tr><tr><td class=\"c x1dc y1601 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erholung </div></td><td class=\"c x31d y1601 wee h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.604 </div></td><td></td><td class=\"c x31f y1601 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.204 </div></td><td class=\"c x320 y1601 w14d h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">91.808 </div></td></tr><tr><td class=\"c x1dc y1602 w14a h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x31d y1602 wee h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">164.641 </div></td><td></td><td class=\"c x31f y1602 w14c h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.387 </div></td><td class=\"c x320 y1602 w14d h39\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">189.028 </div></td></tr><tr><td class=\"c x1dc y1603 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x31d y1603 wee h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.882.569 </div></td><td></td><td class=\"c x31f y1603 w14c h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">593.017 </div></td><td class=\"c x320 y1603 w14d h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.475.585 </div></td></tr><tr><td class=\"c x1dc y1604 w14a h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x31d y1604 wee h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">525<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x31f y1604 w14c h37\"><div class=\"t m0 x68 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x320 y1604 w14d h37\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">527<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1605 w14a h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtergebnis </div></td><td class=\"c x31d y1605 wee h39\"><div class=\"t m0 xa6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">23.574.646<span class=\"ls0\"> </span></div></td><td class=\"c x31e y1605 w14b h39\"><div class=\"t m0 xf8 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.654.997<span class=\"ls0\"> </span></div></td><td class=\"c x31f y1605 w14c h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.074.169<span class=\"ls0\"> </span></div></td><td class=\"c x320 y1605 w14d h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.303.812<span class=\"ls0\"> </span></div></td></tr></table>Sicherheiten<span class=\"_ _128\"> </span>Strategien und Prozesse bzgl. Bewertung und Managemen<span class=\"_ _0\"></span>t von Sicherheiten<span class=\"_ _0\"></span> Die Hereinnahme von Kredit<span class=\"_ _0\"></span>sicherheiten sowie deren Management werden als bedeut<span class=\"_ _0\"></span>ender Bestandteil des <span class=\"_ _0\"></span> Kreditrisikomanagements in<span class=\"_ _0\"></span> der Oberbank AG angesehen. Die Gestion de<span class=\"_ _0\"></span>s Kr<span class=\"_ _0\"></span>editgesch\u00e4ftes \u00fcber die Unterdeckung st<span class=\"_ _0\"></span>ellt<span class=\"_ _128\"> </span>hohe Anforderungen an<span class=\"_ _0\"></span> die aktuelle und richtige Bewertung von Sicherheiten. <span class=\"_ _1\"></span> Daher ist die Sicherheitenverwaltung im ge-<span class=\"_ _128\"> </span>samten Oberbank Konzern<span class=\"_ _0\"></span> organisatorisch vom Vertrieb getrennt und erfolgt f\u00fcr \u00d6st<span class=\"_ _0\"></span>erreich <span class=\"_ _0\"></span>und Deutschland ausschlie\u00dflich<span class=\"_ _128\"> </span>in der eigenen Tochtergesellschaft, d<span class=\"_ _0\"></span>er Oberbank Service GmbH. F\u00fcr Tschechien, d<span class=\"_ _0\"></span>ie Slowakei und Ungarn erfolgt d<span class=\"_ _0\"></span>ie Sicher-<span class=\"_ _128\"> </span>heitenverwaltung in den zent<span class=\"_ _0\"></span>ralen Marktfolgeeinheiten in Budweis und Budapest. Die geltenden Verwalt<span class=\"_ _0\"></span>ungs<span class=\"_ _0\"></span>grunds\u00e4<span class=\"_ _0\"></span>tze<span class=\"_ _128\"> </span>gew\u00e4hrleisten eine rechtlich einwandfr<span class=\"_ _0\"></span>eie Begr\u00fcndung der Kreditsicherheiten so<span class=\"_ _0\"></span>wie alle erforderlichen Voraussetzun<span class=\"_ _0\"></span>gen zur<span class=\"_ _128\"> </span>raschen Durchsetzung d<span class=\"_ _0\"></span>er Anspr\u00fcche bei Bedarf.<span class=\"_ _128\"> </span>In der zentralen Fachabt<span class=\"_ _0\"></span>eilung f\u00fcr rechtliche Fragen <span class=\"_ _0\"></span>Kredit-Management / <span class=\"_ _0\"></span>Finanzierungsrecht liegt die Verantwortun<span class=\"_ _0\"></span>g f\u00fcr<span class=\"_ _128\"> </span>die Erstellung von stan<span class=\"_ _0\"></span>dardisierten Sicherheitenvertr\u00e4gen und <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span>dokumenten, die generell Anwend<span class=\"_ _0\"></span>ung finden. Die Verwal-<span class=\"_ _128\"> </span>tung der Kreditsicherh<span class=\"_ _0\"></span>eiten umfasst sowohl einen materiellen als auch einen for<span class=\"_ _0\"></span>mellen Aspekt, wobei die erforderlichen<span class=\"_ _128\"> </span>T\u00e4tigkeiten entsprechend d<span class=\"_ _0\"></span>en einzelnen Sicherheitenkategor<span class=\"_ _0\"></span>ien genau definiert sind.<span class=\"_ _128\"> </span>Bei den hypothekarisch b<span class=\"_ _0\"></span>esicherten Krediten wird dem Regionalit\u00e4tsprinzip ent<span class=\"_ _0\"></span>sprechend auf Sicherheiten in den f\u00fcnf L\u00e4n<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>dern unserer Filialen abgestellt. Bei Sachsicherheiten gilt gener<span class=\"_ _0\"></span>ell, dass die Finan<span class=\"_ _0\"></span>zierungsdauer m<span class=\"_ _0\"></span>it der wirtschaftlichen Nut-<span class=\"_ _128\"> </span>zungsdauer im Einklang st<span class=\"_ _0\"></span>ehen muss. Die materielle Werthaltigkeit der Sicherheit und d<span class=\"_ _0\"></span>ie M\u00f6glichkeit der raschen Verwert-<span class=\"_ _128\"> </span>barkeit stellen wichtige Pr\u00fcfpunkt<span class=\"_ _0\"></span>e dar. Bei pers\u00f6nlichen Sicherheiten d\u00fcrfen keine w<span class=\"_ _0\"></span>esentlichen Risikokorrel<span class=\"_ _0\"></span>at<span class=\"_ _0\"></span>ionen zwi-<span class=\"_ _128\"> </span>schen SicherheitengeberInnen und<span class=\"_ _0\"></span> KreditnehmerInnen bestehen. Bei Leasingfinanzierungen muss ein allf\u00e4llig vereinbart<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Restwert niedriger oder maximal gleich hoch sein w<span class=\"_ _0\"></span>ie der bei Ablauf d<span class=\"_ _0\"></span>er Finanzierung erwartete Marktwert.<span class=\"_ _0\"></span> F\u00fcr jede Sicherheitenart<span class=\"_ _0\"></span> gibt es eine in Bezug auf Objektivit\u00e4t<span class=\"_ _0\"></span> und Aktualit\u00e4t verbindlich vorgeschriebene Er<span class=\"_ _0\"></span>mittlung des no-<span class=\"_ _128\"> </span>minellen Wertes, der als Berechn<span class=\"_ _0\"></span>ungsbasis f\u00fcr die zur internen Risikosteuerung festgelegten Deckungsw<span class=\"_ _0\"></span>ertans\u00e4tze und f\u00fcr<span class=\"_ _128\"> </span>die Kreditrisikominderungsan<span class=\"_ _0\"></span>s\u00e4tze im Rahmen von<span class=\"_ _0\"></span> Basel III dient. Die internen Deckungswertans\u00e4tze sind<span class=\"_ _0\"></span> Maximal-Werte,<span class=\"_ _128\"> </span>die zur Ermittlung der Unterd<span class=\"_ _0\"></span>eckung f\u00fchren. In begr\u00fcndeten E<span class=\"_ _0\"></span>inzelf\u00e4llen kann die Bewertung einer Sicherheit von d<span class=\"_ _0\"></span>en jewei-<span class=\"_ _128\"> </span>ligen Kompetenztr\u00e4gerInnen<span class=\"_ _0\"></span> nach unten korrigiert<span class=\"_ _0\"></span> werden. Eine h\u00f6here Bewertung ist ebenfalls nur<span class=\"_ _0\"></span> in begr\u00fcndeten Ausnah-<span class=\"_ _128\"> </span>mef\u00e4llen durch die Markt<span class=\"_ _0\"></span>folge m\u00f6glich.<span class=\"_ _128\"> </span>Die aktuellen Bewertun<span class=\"_ _0\"></span>gsgrunds\u00e4tze resultieren aus den Sch\u00e4tzungen der Forderun<span class=\"_ _0\"></span>gsbetreibung auf Basis der bisherigen<span class=\"_ _128\"> </span>Verwertungserfahrungen. D<span class=\"_ _0\"></span>ie Bewertungsans\u00e4tze werd<span class=\"_ _0\"></span>en j\u00e4hrlich im Rahmen der LGD Validierung gepr\u00fcft und gegebenen-<span class=\"_ _128\"> </span>falls angepasst. Der im Bewertungsansat<span class=\"_ _0\"></span>z inkludierte Abschlag ber\u00fccksichtigt d<span class=\"_ _0\"></span>as Bewertungs<span class=\"_ _0\"></span>- und V<span class=\"_ _0\"></span>erwertungsrisiko, die<span class=\"_ _128\"> </span>Kosten der Verwertung sowie den d<span class=\"_ _0\"></span>urch die Verwertungs<span class=\"_ _0\"></span>dauer der jeweiligen Sicherheit entst<span class=\"_ _0\"></span>ehenden Zinseffekt.<span class=\"_ _0\"></span> Die Aktualit\u00e4t der Sicherheitenwerte w<span class=\"_ _0\"></span>ird bei finanziellen Sicherheiten \u00fcber die laufende Einspielung d<span class=\"_ _0\"></span>er Marktwerte sicher-<span class=\"_ _128\"> </span>gestellt, bei hypothekarischen Sicherheiten erfolgt d<span class=\"_ _0\"></span>ie Expertensch\u00e4tzung ge<span class=\"_ _0\"></span>m\u00e4\u00df d<span class=\"_ _0\"></span>en Mindesterfordernissen, die im umfas-<span class=\"_ _128\"> </span>senden Sicherheitenbewertun<span class=\"_ _0\"></span>gsansatz in der CRR definiert sind.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Generell werden bei intern verwendeten<span class=\"_ _0\"></span> Sicherheiten die gleichen strikten Qualit\u00e4tsanforderungen in<span class=\"_ _0\"></span> Bezug auf Aktualit\u00e4t<span class=\"_ _128\"> </span>und Durchsetzbarkeit angewan<span class=\"_ _0\"></span>dt wie bei Sicherheiten, d<span class=\"_ _0\"></span>ie unter der CRR II bei der Ermittlung des Eigenmittelerfordern<span class=\"_ _0\"></span>isse<span class=\"_ _128\"> </span>f\u00fcr das Kreditgesch\u00e4ft zur Anr<span class=\"_ _0\"></span>echnung kommen.<span class=\"_ _128\"> </span>Die \u00dcbernahme von Pfandliegensch<span class=\"_ _0\"></span>aften nimmt generell eine unt<span class=\"_ _0\"></span>ergeordnete Rolle ein. In den ausgewiesenen finanziel<span class=\"_ _1\"></span>len<span class=\"_ _128\"> </span>Verm\u00f6genswerten per 31.12.2022 befinden s<span class=\"_ _0\"></span>ich (wie auch im Vorjahr) keine \u00fcbernommenen Pfan<span class=\"_ _0\"></span>dliegenschaften. Diese<span class=\"_ _128\"> </span>werden von der Ob<span class=\"_ _0\"></span>erbank AG nur dann erworben, wenn Verkaufshemmnisse die sofo<span class=\"_ _0\"></span>rtige Verwertung einer Liegenschaft<span class=\"_ _128\"> </span>mit einem angemessenen Verw<span class=\"_ _0\"></span>ertungserl\u00f6s unm\u00f6glich machen (z. <span class=\"_ _0\"></span>B. im Rahmen einer Versteigerung bzw. im Freihandver-<span class=\"_ _128\"> </span>kauf). Es ist immer das<span class=\"_ _0\"></span> erkl\u00e4rte Ziel, die urspr\u00fcnglich bestehenden Verkaufsh<span class=\"_ _0\"></span>emmnisse zu beseitigen, um anschlie\u00dfend das<span class=\"_ _128\"> </span>Objekt schnellstm\u00f6glich und<span class=\"_ _0\"></span> ordnungsgem\u00e4\u00df weiterzu<span class=\"_ _0\"></span>ver\u00e4u\u00dfern. Eine Verwendung f\u00fcr<span class=\"_ _0\"></span> den Gesch\u00e4ftsbetrieb erfolgt nicht.<span class=\"_ _128\"> </span>In der Berichtsperiode wurd<span class=\"_ _0\"></span>en keine Sic<span class=\"_ _5\"></span>herheiten verwert<span class=\"_ _0\"></span>et, die die Ansatzkriterien nach IFRS erf\u00fcllen.<span class=\"_ _1\"></span> Arten von Sicherheiten<span class=\"_ _128\"> </span>Die wesentlichen Sicherheiten sind Hyp<span class=\"_ _0\"></span>otheken auf Wohnimmob<span class=\"_ _0\"></span>ilien un<span class=\"_ _0\"></span>d kommerziell genutzte Immobilien, finanzielle Si-<span class=\"_ _128\"> </span>cherheiten (Bareinlagen, Schuldverschreibu<span class=\"_ _0\"></span>ngen und Aktien) sowie pers\u00f6nliche Sicherheiten (Haft<span class=\"_ _0\"></span>ungen, B\u00fcrgschaften, Ga-<span class=\"_ _128\"> </span>rantien). Die Sicherheiten (exklusive p<span class=\"_ _0\"></span>ers\u00f6nliche Sicherheiten) k\u00f6nn<span class=\"_ _0\"></span>en zu einem \u00fc<span class=\"_ _0\"></span>berwiegenden Anteil von 93,45 % (V<span class=\"_ _0\"></span>orjah<span class=\"_ _128\"> </span>92,56 %) der Forderun<span class=\"_ _0\"></span>gsart \u201eKredite und Forderungen\u201c zugerechnet w<span class=\"_ _0\"></span>erden, der Rest entf\u00e4llt zu 6,55 % (Vorjahr<span class=\"_ _0\"></span>: 7,44 %) a<span class=\"_ _128\"> </span>die \u201eKreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten\u201c.<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Die in den Tabellen ausgew<span class=\"_ _0\"></span>iesenen Werte stellen die im Rahmen d<span class=\"_ _0\"></span>er Quantifizierung der Kreditrisiken im ICAAP <span class=\"_ _0\"></span>verwende-<span class=\"_ _128\"> </span>ten besicherten Forderun<span class=\"_ _0\"></span>gswerte dar.<table class=\"s w407 h1f3\" id=\"_4ae083df-3062-4fd2-811e-20d6f82bb132\"><tr><td class=\"c x322 y1606 w154 h37\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x323 y1606 w155 h37\" colspan=\"2\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungswert<span class=\"_ _0\"></span> </div></td></tr><tr><td class=\"c x322 y1607 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheitenkategorie </div></td><td class=\"c x323 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1607 w156 h39\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y1608 w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Finanzielle Sicherheiten </div></td><td class=\"c x323 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.397.867<span class=\"ls0\"> </span></div></td><td class=\"c x324 y1608 w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.218.253<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y1609 w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Bareinlagen </div></td><td class=\"c x323 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.322.687 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y1609 w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">1.100.042 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160a w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Schuldverschreibun<span class=\"_ _0\"></span>gen </div></td><td class=\"c x323 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">18.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160a w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">29.711 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160b w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aktien und andere nicht fest<span class=\"_ _0\"></span>verzinsl. WP </div></td><td class=\"c x323 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">56.665 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160b w156 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                    <span class=\"ls0\">88.500 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160c w154 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Immobiliensicherheiten </div></td><td class=\"c x323 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">7.060.092<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160c w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.846.874<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160d w158 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Wohnimmobilien </div></td><td class=\"c x323 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.654.233 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160d w156 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.508.448 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x325 y160e w158 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gewerbeimmobilien </div></td><td class=\"c x323 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.405.859 </span><span class=\"ls0\"> </span></div></td><td class=\"c x324 y160e w156 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">                <span class=\"ls0\">3.338.426 </span><span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x322 y160f w154 h39\"><div class=\"t m0 x0 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> Sachsicherheiten </div></td><td class=\"c x323 y160f w156 h39\"><div class=\"t m0 x9 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.102.516<span class=\"ls0\"> </span></div></td><td class=\"c x324 y160f w156 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">863.869<span class=\"ls0\"> </span></div></td></tr></table>Die pers\u00f6nlichen Sicherheiten beschr\u00e4nken<span class=\"_ _0\"></span> sich auf Haftungen, B\u00fcrgschaften un<span class=\"_ _0\"></span>d Garantien. Die wichtigsten sechs Garanti<span class=\"_ _128\"> </span>geber, die 85,26% (Vorjahr: 83,51%) am gesamten Vo<span class=\"_ _0\"></span>lumen der <span class=\"_ _0\"></span>pers\u00f6nlichen Sicherheiten d<span class=\"_ _0\"></span>arstellen, sind nachstehend<span class=\"_ _0\"></span> au<span class=\"_ _128\"> </span>gelistet.<table class=\"s w408 h1f4\" id=\"_8d86e789-b7a3-4d75-b4f3-2cab2cbecf39\"><tr><td class=\"c x178 y1610 w409 h1f5\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x326 y1611 w15b haf\"><div class=\"t m0 x6c h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x327 y1610 w40a h1f5\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forde-<span class=\"_ _128\"> </span></div></td><td class=\"c x328 y1611 w15d haf\"><div class=\"t m0 x37 h6 y379 ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y1612 w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x329 y1612 w40b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">rungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y1613 w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y1613 w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.100.451 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y1613 w15f h26\"><div class=\"t m0 x37 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x32b y1614 w161 haa\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x32c y1614 wbf haa\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1614 w162 haa\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">626.164 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1614 w163 haa\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">56,9% </div></td></tr><tr><td class=\"c x32b y1615 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x32c y1615 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1615 w162 h26\"><div class=\"t m0 x90 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">193.372 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1615 w163 h26\"><div class=\"t m0 x4a h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">17,6% </div></td></tr><tr><td class=\"c x32b y1616 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x32c y1616 wbf h26\"><div class=\"t m0 x42 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\"> <span class=\"ls2c\">AA+</span> </div></td><td class=\"c x32d y1616 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">38.123 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1616 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">3,5% </div></td></tr><tr><td class=\"c x32b y1617 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Landeshaupt<span class=\"_ _0\"></span>stadt Graz </div></td><td></td><td class=\"c x32d y1617 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">30.000 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1617 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,7% </div></td></tr><tr><td class=\"c x32b y1618 w161 h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayer<span class=\"_ _0\"></span>n </div></td><td class=\"c x32c y1618 wbf h26\"><div class=\"t m0 x4d h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32d y1618 w162 h26\"><div class=\"t m0 xd2 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">26.082 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1618 w163 h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">2,4% </div></td></tr><tr><td class=\"c x32b y1619 w161 h26\"><div class=\"t m0 x13 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat Tsch<span class=\"_ _0\"></span>echien </div></td><td class=\"c x32c y1619 wbf h26\"><div class=\"t m0 x11 h5 y9b6 ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32d y1619 w162 h26\"><div class=\"t m0 xd2 h5 y9b6 ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">24.515 </span><span class=\"ls0\"> </span></div></td><td class=\"c x32e y1619 w163 h26\"><div class=\"t m0 xf8 h5 y9b6 ff4 fs2 fc2 sc0 ls0 ws0\">2,2% </div></td></tr></table><table class=\"s w40c h1f6\" id=\"_29ad48a1-d825-427b-ad98-e22610349fad\"><tr><td class=\"c x178 y161a w409 h1f7\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per<span class=\"_ _128\"> </span></div></td><td class=\"c x2ff y161b w167 hc0\"><div class=\"t m0 x60 h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">Externes Rating </div></td><td class=\"c x32f y161a w40d h1f7\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter For-<span class=\"_ _128\"> </span></div></td><td class=\"c x2f5 y161b w169 hc0\"><div class=\"t m0 x3f h6 y9bb ff5 fs2 fc2 sc0 ls0 ws0\">in % </div></td></tr><tr><td class=\"c x178 y161c w2f5 h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x330 y161c w40e h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">derungswert<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x1dc y161d w15e h26\"><div class=\"t m0 x90 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Pers\u00f6nliche Sicherheiten </div></td><td></td><td class=\"c x32a y161d w15c h26\"><div class=\"t m0 x85 h6 y550 ff5 fs2 fc2 sc0 ls1 ws0\">            <span class=\"ls2\">1.163.434 <span class=\"ls0\"> </span></span></div></td><td class=\"c x328 y161d w15d h26\"><div class=\"t m0 x4d h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">100,00% </div></td></tr><tr><td class=\"c x331 y161e w16b h26\"><div class=\"t m0 x13 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat \u00d6sterreich </div></td><td class=\"c x326 y161e w15b h26\"><div class=\"t m0 xf8 h5 y550 ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161e w15c h26\"><div class=\"t m0 x87 h5 y550 ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">601.919 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161e w15d h26\"><div class=\"t m0 x10 h5 y550 ff4 fs2 fc2 sc0 ls0 ws0\">51,7% </div></td></tr><tr><td class=\"c x331 y161f w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Kreditanstalt f\u00fcr Wiederau<span class=\"_ _0\"></span>fbau </div></td><td class=\"c x326 y161f w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y161f w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">               <span class=\"ls0\">161.708 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y161f w15d hc1\"><div class=\"t m0 x10 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">13,9% </div></td></tr><tr><td class=\"c x331 y1620 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. COVID-19 Finanzierungsagent<span class=\"_ _0\"></span>ur </div></td><td></td><td class=\"c x32a y1620 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">82.950 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1620 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">7,1% </div></td></tr><tr><td class=\"c x331 y1621 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Staat T<span class=\"_ _0\"></span>schechien </div></td><td class=\"c x326 y1621 w15b hc1\"><div class=\"t m0 x42 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA<span class=\"ls0\">-</span><span class=\"ls0\"> </span></div></td><td class=\"c x32a y1621 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">43.683 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1621 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,8% </div></td></tr><tr><td class=\"c x331 y1622 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. LfA F\u00f6rderbank Bayern<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1622 w15b hc1\"><div class=\"t m0 x3f h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AAA<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1622 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">41.323 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1622 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,6% </div></td></tr><tr><td class=\"c x331 y1623 w16b hc1\"><div class=\"t m0 x13 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">hiev. Land Ober\u00f6sterreich<span class=\"_ _0\"></span> </div></td><td class=\"c x326 y1623 w15b hc1\"><div class=\"t m0 xf8 h5 y55b ff4 fs2 fc2 sc0 ls2c ws0\">AA+<span class=\"ls0\"> </span></div></td><td class=\"c x32a y1623 w15c hc1\"><div class=\"t m0 x87 h5 y55b ff4 fs2 fc2 sc0 ls1 ws0\">                 <span class=\"ls0\">40.056 </span><span class=\"ls0\"> </span></div></td><td class=\"c x328 y1623 w15d hc1\"><div class=\"t m0 x9 h5 y55b ff4 fs2 fc2 sc0 ls0 ws0\">3,4% </div></td></tr></table><table class=\"s w40f h1f8\" id=\"_3f5afdcf-a63a-46ef-94e5-f512c1b3148d\"><tr><td class=\"c x199 y1624 w3 h3\"><div class=\"t m0 x3 h6 y868 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen und Non-perfo<span class=\"_ _0\"></span>rming loans </div><div class=\"t m0 x3 h5 y9c4 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9c5 ff5 fs2 fc2 sc0 ls0 ws0\">Bildung von Risikovorsorgen (Wertberichtigungen und R\u00fccks<span class=\"_ _0\"></span>tellungen)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y942 ff4 fs2 fc2 sc0 ls0 ws0\">Die Details zur Bildung von<span class=\"_ _0\"></span> Risikovorsorgen gem\u00e4\u00df IFRS 9 5.5 und zur Ein<span class=\"_ _0\"></span>ordnung in die ECL<span class=\"_ _0\"></span>-Stufen k\u00f6n<span class=\"_ _0\"></span>nen der Note 2.7) </div><div class=\"t m0 x3 h5 y9c6 ff4 fs2 fc2 sc0 ls0 ws0\">entnommen werden.  </div><div class=\"t m0 x3 h5 y9c7 ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9c8 ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorgen </div><div class=\"t m0 x3 h5 y9c9 ff4 fs2 fc2 sc0 ls0 ws0\">Das Risikoergebnis aus dem Kr<span class=\"_ _0\"></span>editgesch\u00e4ft ist gegen\u00fcber d<span class=\"_ _0\"></span>em Jahr 2021 um 5,8 Mio. Euro auf 41,5 Mio Euro<span class=\"_ _0\"></span> angestiegen<span class=\"_ _0\"></span>. </div><div class=\"t m0 x3 h5 y9ca ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y9cb ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung des Ergebnisses aus den Risikovorsorgen im Kre<span class=\"_ _0\"></span>ditgesch\u00e4ft (GuV<span class=\"_ _0\"></span>-Darste<span class=\"_ _0\"></span>llung) </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y1625 w16c h39\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x332 y1625 w106 h39\"><div class=\"t m0 xd h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x333 y1625 wc1 h39\"><div class=\"t m0 x38 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1626 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen zu <span class=\"_ _0\"></span>Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1626 w106 h39\"><div class=\"t m0 xd4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">117.079 </div></td><td></td><td class=\"c x333 y1626 wc1 h39\"><div class=\"t m0 x35 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">101.325 </div></td></tr><tr><td class=\"c x2c6 y1627 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sung von Risikovorsorgen im Kreditgesch\u00e4ft<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1627 w106 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-71.190 </div></td><td></td><td class=\"c x333 y1627 wc1 h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-66.241 </div></td></tr><tr><td class=\"c x2c6 y1628 w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Direktabschreibungen von Forderungen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y1628 w106 h39\"><div class=\"t m0 x12 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.325 </div></td><td></td><td class=\"c x333 y1628 wc1 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.437 </div></td></tr><tr><td class=\"c x2c6 y1629 w16c h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Eing\u00e4nge aus abgeschriebenen<span class=\"_ _0\"></span> Forderungen </div></td><td></td><td></td><td></td><td class=\"c x332 y1629 w106 h37\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.202 </div></td><td></td><td class=\"c x333 y1629 wc1 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.422 </div></td></tr><tr><td class=\"c x2c6 y162a w16c h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Ergebnis aus nicht <span class=\"_ _0\"></span>signifikanter Modifikation </div></td><td></td><td></td><td></td><td class=\"c x332 y162a w106 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">41</span> </div></td><td></td><td class=\"c x333 y162a wc1 h37\"><div class=\"t m0 xb1 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">70</span> </div></td></tr><tr><td class=\"c x2c6 y162b w16c h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Impairment Gain aus POCI<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td><td class=\"c x332 y162b w106 h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.489 </div></td><td></td><td class=\"c x333 y162b wc1 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.684 </div></td></tr><tr><td class=\"c x2c6 y162c w16c h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td><td></td><td></td><td class=\"c x332 y162c w106 h39\"><div class=\"t m0 x35 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.482<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x333 y162c wc1 h39\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">3<span class=\"ls2\">5.713</span> </div></td></tr><tr><td class=\"c x199 y1624 w3 h3\"><div class=\"t m0 x3 h6 y9cf ff5 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y744 ff5 fs2 fc2 sc0 ls0 ws0\">Entwicklung der Risikovorsorgen (Bilanzdarstellung)<span class=\"_ _0\"></span> </div></td><td class=\"c x334 y162d w410 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x335 y162d w411 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2f ws0\">Ver<span class=\"ls0\">-<span class=\"_ _128\"> </span></span></div></td><td class=\"c x336 y162d w412 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonstige Ef-<span class=\"_ _128\"> </span></div></td><td class=\"c x337 y162d w413 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y162e w16d h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"ff5\"> </span></div></td><td class=\"c x338 y162f w414 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">1.1.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x339 y162e waa h3b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Zuf\u00fchrungen </div></td><td class=\"c x33a y162e wf h3b\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Aufl\u00f6sungen<span class=\"_ _128\"> </span> </div></td><td class=\"c x33b y162f w415 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">brauch<span class=\"_ _128\"> </span></div></td><td class=\"c x33d y162f w416 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">fekte<span class=\"_ _128\"> </span></div><div class=\"t m0 x33c hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">2)<span class=\"_ _128\"> </span></div></td><td class=\"c x33e y162f w2f5 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1631 w16d hf\"><div class=\"t m0 x90 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">zu Barreserve Stage 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1631 waf hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">640<span class=\"ls0\"> </span></div></td><td class=\"c x339 y1631 waa hf\"><div class=\"t m0 x31 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1631 wf hf\"><div class=\"t m0 xf h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">279</span> </div></td><td class=\"c x340 y1631 w16e hf\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1631 w16f hf\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1631 w170 hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">361<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1632 w16d h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stitute Stufe 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1632 waf h3b\"><div class=\"t m0 x4d h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">109<span class=\"ls0\"> </span></div></td><td class=\"c x339 y1632 waa h3b\"><div class=\"t m0 x3 h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">58<span class=\"ls0\"> </span></div></td><td class=\"c x33a y1632 wf h3b\"><div class=\"t m0 x31 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1632 w16e h3b\"><div class=\"t m0 x72 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1632 w16f h3b\"><div class=\"t m0 xf9 h1e y9d2 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1632 w170 h3b\"><div class=\"t m0 x4d h1e y9d2 ff4 fs1 fc2 sc0 ls11 ws0\">167<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1633 w16d h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kr<span class=\"_ _0\"></span>editin-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">stitute Stufe 3<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1633 waf h3a\"><div class=\"t m0 x10 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1633 waa h3a\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1633 wf h3a\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1633 w16e h3a\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1633 w16f h3a\"><div class=\"t m0 xf9 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1633 w170 h3a\"><div class=\"t m0 x10 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1634 w417 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an Kund<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1635 waf h3b\"><div class=\"t m0 x2b h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">57.638<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1635 waa h3b\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">10.166<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1635 wf h3b\"><div class=\"t m0 x31 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1635 w16e h3b\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1635 w16f h3b\"><div class=\"t m0 xd h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-7<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y1635 w170 h3b\"><div class=\"t m0 x2b h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">67.797<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1636 w418 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 1 + 2<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y1637 w419 h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">zu Forderungen an <span class=\"_ _0\"></span>Kunden<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1638 waf h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">156.214<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1638 waa h3a\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">77.061<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1638 wf h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-42.089 </div></td><td class=\"c x340 y1638 w16e h3a\"><div class=\"t m0 x70 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1638 w16f h3a\"><div class=\"t m0 x15 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-5.491 </div></td><td class=\"c x342 y1638 w170 h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">170.766<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1639 w41a h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Stufe 3<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y163a w16d hf\"><div class=\"t m0 x90 h5 y1ac ff4 fs2 fc2 sc0 ls0 ws0\">zu Finanzanlagen Stu<span class=\"_ _0\"></span>fe 1 + 2<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y163a waf hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">902<span class=\"ls0\"> </span></div></td><td class=\"c x339 y163a waa hf\"><div class=\"t m0 x3 h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">54<span class=\"ls0\"> </span></div></td><td class=\"c x33a y163a wf hf\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">81</span> </div></td><td class=\"c x340 y163a w16e hf\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163a w16f hf\"><div class=\"t m0 xd h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-5<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163a w170 hf\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">870<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y163b w16d hc3\"><div class=\"t m0 x90 h5 y191 ff4 fs2 fc2 sc0 ls0 ws0\">zu Sachanlagen Stage 1 +2<span class=\"_ _0\"></span> </div></td><td class=\"c x33f y163b waf hc3\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">207<span class=\"ls0\"> </span></div></td><td class=\"c x339 y163b waa hc3\"><div class=\"t m0 x31 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y163b wf hc3\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">-<span class=\"ls11\">34</span> </div></td><td class=\"c x340 y163b w16e hc3\"><div class=\"t m0 x72 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163b w16f hc3\"><div class=\"t m0 xf9 h1e y18e ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163b w170 hc3\"><div class=\"t m0 x4d h1e y18e ff4 fs1 fc2 sc0 ls11 ws0\">173<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c8 y163c w41b h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y163d waf ha0\"><div class=\"t m0 x4f h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">215.710<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y163d waa ha0\"><div class=\"t m0 x11 h27 y9d4 ff5 fs1 fc2 sc0 ls11 ws0\">87.339<span class=\"ls0\"> </span></div></td><td class=\"c x33a y163d wf ha0\"><div class=\"t m0 xf8 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-42.483 </div></td><td class=\"c x340 y163d w16e ha0\"><div class=\"t m0 x70 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163d w16f ha0\"><div class=\"t m0 x15 h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">-5.503 </div></td><td class=\"c x342 y163d w170 ha0\"><div class=\"t m0 x4f h27 y9d4 ff5 fs1 fc2 sc0 ls0 ws0\">240.134<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y163e w41c h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">im Kreditgesch\u00e4ft<span class=\"_ _128\"> </span></div><div class=\"t m0 x343 hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c6 y163f w16d h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">zu au\u00dferb<span class=\"_ _0\"></span>ilanziellen Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ften Stufe 1 + 2<span class=\"ff5\"> </span></div></td><td class=\"c x33f y163f waf h3b\"><div class=\"t m0 x60 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.286<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y163f waa h3b\"><div class=\"t m0 x2e h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.041<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y163f wf h3b\"><div class=\"t m0 x2c h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">-2.799<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y163f w16e h3b\"><div class=\"t m0 x72 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y163f w16f h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x342 y163f w170 h3b\"><div class=\"t m0 x60 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">19.528<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y1640 w16d h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">zu au\u00dferbilanziellen Ge-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sch\u00e4ften Stufe 3<span class=\"_ _128\"> </span> </div></td><td class=\"c x33f y1640 waf h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">113.964<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1640 waa h3a\"><div class=\"t m0 x11 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">28.699<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1640 wf h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">-25.908<span class=\"_ _128\"> </span> </div></td><td class=\"c x340 y1640 w16e h3a\"><div class=\"t m0 x72 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1640 w16f h3a\"><div class=\"t m0 xf8 h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">1.214 </div></td><td class=\"c x342 y1640 w170 h3a\"><div class=\"t m0 x4f h1e y9d4 ff4 fs1 fc2 sc0 ls0 ws0\">117.969<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1641 w41d h1fb\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamtsumme<span class=\"_ _128\"> </span></div></td><td class=\"c x33f y1642 waf h3b\"><div class=\"t m0 x4f h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">350.960<span class=\"_ _128\"> </span> </div></td><td class=\"c x339 y1642 waa h3b\"><div class=\"t m0 x15 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">117.079<span class=\"_ _128\"> </span> </div></td><td class=\"c x33a y1642 wf h3b\"><div class=\"t m0 xf8 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-71.190 </div></td><td class=\"c x340 y1642 w16e h3b\"><div class=\"t m0 x70 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-14.929<span class=\"_ _128\"> </span> </div></td><td class=\"c x341 y1642 w16f h3b\"><div class=\"t m0 x15 h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">-4.289 </div></td><td class=\"c x342 y1642 w170 h3b\"><div class=\"t m0 x4f h27 y9da ff5 fs1 fc2 sc0 ls0 ws0\">377.631<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c8 y1643 w41b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1644 w41e h171\"><div class=\"t m0 x177 h16 y1317 ff4 fs6 fc2 sc0 ls8 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Die Risik<span class=\"_ _5\"></span>ovorsorgen zu au\u00df<span class=\"_ _5\"></span>erbilanziell<span class=\"_ _5\"></span>en Gesch\u00e4fte<span class=\"_ _5\"></span>n werden in der Po<span class=\"_ _5\"></span>sition R\u00fcc<span class=\"_ _5\"></span>kstellungen (<span class=\"_ _5\"></span>Bilanz Passiva 4) aus<span class=\"_ _5\"></span>gewiesen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1647 w41f h1fc\"><div class=\"t m0 x177 h16 y1645 ff4 fs6 fc2 sc0 ls8 ws0\">2)<span class=\"_ _128\"> </span></div><div class=\"t m0 x2b8 h17 y1646 ff4 fs4 fc2 sc0 ls0 ws0\">Hiev. aus Konso<span class=\"_ _5\"></span>lidier<span class=\"_ _5\"></span>ung 1.257 Tsd. EUR, aus R<span class=\"_ _5\"></span>isiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr<span class=\"_ _5\"></span> zum Fair Value \u00fcbe<span class=\"_ _5\"></span>r OCI bewer<span class=\"_ _5\"></span>tete WP - 12 Tsd. EUR, aus U<span class=\"_ _5\"></span>mbuchungen PO<span class=\"_ _5\"></span>CI -<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">5.889<span class=\"_ _128\"> </span></div></td><td class=\"c x344 y1647 w420 h171\"><div class=\"t m0 x177 h17 y115d ff4 fs4 fc2 sc0 ls0 ws0\">Tsd. EUR, aus <span class=\"_ _5\"></span>Wechsel<span class=\"_ _5\"></span>kurs\u00e4nderungen r<span class=\"_ _5\"></span>esultier<span class=\"_ _5\"></span>en + 366 Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table>Ver\u00e4nderung der Risikovorsorge nach IFRS 9 im Berichtsjahr<span class=\"_ _0\"></span> Folgende Tabellen zeigen die Wert<span class=\"_ _0\"></span>\u00e4nderungen der Brutt<span class=\"_ _0\"></span>obuchwerte sowie der Risikovorsorgen im Gesch\u00e4ftsjah<span class=\"_ _0\"></span>r 2022 f\u00fcr<span class=\"_ _128\"> </span>bilanzielle Verm\u00f6genswerte, die unt<span class=\"_ _0\"></span>er die Bestimmungen der Wertminderungsvorschriften nach IFRS 9 fallen.<span class=\"_ _1\"></span> Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffu<span class=\"_ _0\"></span>ngskosten bewertet<span class=\"_ _1\"></span> <table class=\"s w421 h1fd\" id=\"_b5fdd7bf-e9ca-43f0-a457-fbefa14ca236\"><tr><td></td><td class=\"c x345 y1648 w173 h26\"><div class=\"t m0 x54 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x346 y1648 we h26\"><div class=\"t m0 x5a h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1648 w86 h26\"><div class=\"t m0 x13 h6 y550 ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x308 y1649 w422 h1f1\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu AC bewerteten <span class=\"_ _0\"></span>finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y164a w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y164b w173 h6f\"><div class=\"t m0 x4f h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x346 y164b w9b h6f\"><div class=\"t m0 xd h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x348 y164b w175 h6f\"><div class=\"t m0 x29 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x349 y164b w30 h6f\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x308 y164c w424 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164d w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021* </div></td><td class=\"c x345 y164d w173 h39\"><div class=\"t m0 x4d h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">18.863.549<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164d we h39\"><div class=\"t m0 xc9 h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">5.602.656<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164d w86 h39\"><div class=\"t m0 x2b h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">342.671<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y164d w175 h39\"><div class=\"t m0 x85 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">40.330<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y164d w30 h39\"><div class=\"t m0 x8c h6 y348 ff5 fs4 fc2 sc0 ls0 ws0\">24.849.205<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y164e w172 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x345 y164e w173 h37\"><div class=\"t m0 x10 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">747.510<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164e we h37\"><div class=\"t m0 x4d h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-745.640<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164e w86 h37\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.871<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y164f w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x345 y164f w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-331.097<span class=\"fs2\"> </span></div></td><td class=\"c x346 y164f we h39\"><div class=\"t m0 xc h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">340.667<span class=\"fs2\"> </span></div></td><td class=\"c x347 y164f w86 h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-9.570<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1650 w172 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x345 y1650 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-123.634<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1650 we h39\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-97.966<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1650 w86 h39\"><div class=\"t m0 x60 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">221.600<span class=\"fs2\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1651 w425 h1fe\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1652 w426 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">neu ausgereichten od<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1653 w427 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">erworbenen Verm\u00f6genswert<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1654 w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1655 w173 hc5\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">3.871.117<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1655 we hc5\"><div class=\"t m0 xc h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">977.008<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y1655 w30 hc5\"><div class=\"t m0 x9f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">4.848.125<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1656 w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1657 w429 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1658 w173 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.953.654<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1658 we h3b\"><div class=\"t m0 xc9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.953.654<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y1659 w172 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Risikoparametern </div></td><td class=\"c x345 y1659 w173 h39\"><div class=\"t m0 x2e h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-499.685<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1659 we h39\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.668.145<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1659 w86 h39\"><div class=\"t m0 x9f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-82.766<span class=\"fs2\"> </span></div></td><td class=\"c x348 y1659 w175 h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-1.080<span class=\"fs2\"> </span></div></td><td class=\"c x349 y1659 w30 h39\"><div class=\"t m0 x2b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.251.675<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165a w425 h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165b w42a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165c w173 h3b\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.993<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165c we h3b\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">965</span><span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165c w30 h3b\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.959<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y165d w425 h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y165e w42b h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Ausbuchungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y165f w173 h3b\"><div class=\"t m0 x36 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-2.538.742<span class=\"fs2\"> </span></div></td><td class=\"c x346 y165f we h3b\"><div class=\"t m0 x4d h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-783.659<span class=\"fs2\"> </span></div></td><td></td><td></td><td class=\"c x349 y165f w30 h3b\"><div class=\"t m0 x2b h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-3.322.401<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x308 y1660 w42c h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1661 w42d h1e3\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">von Abschreibungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1662 w425 h1ff\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1663 w42e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1664 w42f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">sonstigen Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x345 y1665 w173 h6f\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.052<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1665 we h6f\"><div class=\"t m0 x2d h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">61<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td class=\"c x349 y1665 w30 h6f\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.992<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1666 w172 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x345 y1666 w173 h39\"><div class=\"t m0 x4d h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">17.028.320<span class=\"fs2\"> </span></div></td><td class=\"c x346 y1666 we h39\"><div class=\"t m0 xc9 h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">6.577.670<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1666 w86 h39\"><div class=\"t m0 x2b h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">470.064<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x348 y1666 w175 h39\"><div class=\"t m0 x85 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">39.250<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x349 y1666 w30 h39\"><div class=\"t m0 x8c h6 y34a ff5 fs4 fc2 sc0 ls0 ws0\">24.115.304<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1a7 y1667 w176 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">* Die Vorjahreszahlen wurden au<span class=\"_ _0\"></span>fgrund einer Umgliederung angepasst<span class=\"_ _0\"></span>.<span class=\"ff5 fs4\"> </span></div></td><td class=\"c x34a y1668 w178 h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34b y1668 w173 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td class=\"c x347 y1668 w86 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">         <span class=\"ls0\">Stufe 3</span><span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x308 y1669 w430 h200\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu AC bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y166a w423 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y166b w17a h71\"><div class=\"t m0 x85 h6 y2ef ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x332 y166b w17b h71\"><div class=\"t m0 xf9 h6 y2ef ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x21d y166b w17c h71\"><div class=\"t m0 x88 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x308 y166c w424 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1a7 y166d w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34a y166d w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.203<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166d w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">41.246<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y166d wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">156.213<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y166d w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">215.662<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166e w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td class=\"c x34a y166e w178 h37\"><div class=\"t m0 x36 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">954<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y166e w173 h37\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.875<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y166e w17c h37\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-4.921<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y166f w177 h37\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td class=\"c x34a y166f w178 h37\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-3.855<span class=\"fs2\"> </span></div></td><td class=\"c x34b y166f w173 h37\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">7.108<span class=\"fs2\"> </span></div></td><td class=\"c x347 y166f wf h37\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">890</span><span class=\"fs2\"> </span></div></td><td class=\"c x21d y166f w17c h37\"><div class=\"t m0 x47 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">2.364<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1670 w177 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td class=\"c x34a y1670 w178 h39\"><div class=\"t m0 x42 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-<span class=\"ls1b\">525</span><span class=\"fs2\"> </span></div></td><td class=\"c x34b y1670 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.500<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1670 wf h39\"><div class=\"t m0 x72 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">53.963<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1670 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">50.939<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1671 w431 h201\"><div class=\"t m0 x177 h5 y1582 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1672 w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1673 w178 h6f\"><div class=\"t m0 x15 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">5.676<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1673 w173 h6f\"><div class=\"t m0 xfd h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">9.426<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1673 w17c h6f\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">15.102<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1674 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Modell\u00e4nderungen </div></td><td class=\"c x34a y1674 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.070<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1674 w173 h39\"><div class=\"t m0 x41 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">16.766<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1674 w17c h39\"><div class=\"t m0 x70 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">14.696<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1675 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34a y1675 w178 h39\"><div class=\"t m0 x15 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">2.829<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1675 w173 h39\"><div class=\"t m0 x33 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-12.467<span class=\"fs2\"> </span></div></td><td class=\"c x347 y1675 wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.101<span class=\"fs2\"> </span></div></td><td class=\"c x21d y1675 w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-27.740<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y1676 w432 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y1677 w433 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y1678 w178 h3b\"><div class=\"t m0 x14 h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">10<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y1678 w173 h3b\"><div class=\"t m0 xa8 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1678 w17c h3b\"><div class=\"t m0 x4a h5 y34a ff4 fs4 fc2 sc0 ls1b ws0\">12<span class=\"fs2 ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y1679 w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34a y1679 w178 h39\"><div class=\"t m0 x5b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.758<span class=\"fs2\"> </span></div></td><td class=\"c x34b y1679 w173 h39\"><div class=\"t m0 x9 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-2.841<span class=\"fs2\"> </span></div></td><td></td><td class=\"c x21d y1679 w17c h39\"><div class=\"t m0 x4f h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-5.599<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167a w177 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td class=\"c x347 y167a wf h39\"><div class=\"t m0 x2c h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167a w17c h39\"><div class=\"t m0 x85 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-14.929<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x308 y167b w425 h202\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167c w434 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Wechselkurs\u00e4nderungen und<span class=\"_ _0\"></span> sonstigen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x308 y167d w435 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Anpassungen<span class=\"_ _128\"> </span></div></td><td class=\"c x34a y167e w178 h71\"><div class=\"t m0 x10 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">1<span class=\"fs2\"> </span></div></td><td class=\"c x34b y167e w173 h71\"><div class=\"t m0 xa8 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">5<span class=\"fs2\"> </span></div></td><td class=\"c x347 y167e wf h71\"><div class=\"t m0 xe h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.491<span class=\"fs2\"> </span></div></td><td class=\"c x21d y167e w17c h71\"><div class=\"t m0 x4f h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-5.486<span class=\"fs2\"> </span></div></td><td></td></tr><tr><td class=\"c x1a7 y167f w177 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34a y167f w178 h39\"><div class=\"t m0 x37 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">18.464<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x34b y167f w173 h39\"><div class=\"t m0 x41 h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">50.869<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x347 y167f wf h39\"><div class=\"t m0 xc h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">170.765<span class=\"fs2 ls0\"> </span></div></td><td class=\"c x21d y167f w17c h39\"><div class=\"t m0 x6c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">240.099<span class=\"fs2 ls0\"> </span></div></td><td></td></tr></table>Finanzielle Verm\u00f6genswerte er<span class=\"_ _0\"></span>folgsneutral zum Fair Value bewe<span class=\"_ _0\"></span>rtet<table class=\"s w436 h203\" id=\"_6ec41fd6-3f03-42da-97a5-adefd8145509\"><tr><td class=\"c x178 y1680 w437 h204\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwerte zu FVOCI bewerteten finanzielle<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1681 w17f h38\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td class=\"c x34d y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x34e y1681 w180 h38\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1682 w423 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x34c y1683 w17f h6f\"><div class=\"t m0 x70 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34d y1683 w183 h6f\"><div class=\"t m0 xc h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x34f y1683 w181 h6f\"><div class=\"t m0 x79 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x1ed y1683 w182 h6f\"><div class=\"t m0 x37 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1684 w438 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1685 w17e h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td class=\"c x34c y1685 w17f h37\"><div class=\"t m0 xe h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1685 w182 h37\"><div class=\"t m0 x4 h5b y34a ff5 fs4 fc2 sc0 ls1b ws0\">76.911<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y1686 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1686 w182 h39\"><div class=\"t m0 x4 h17 y34a ff4 fs4 fc2 sc0 ls0 ws0\">76.911 </div></td></tr><tr><td class=\"c x1bc y1687 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1688 w17e h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1689 w439 h205\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereichten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168a w43a h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">oder erworbenen V<span class=\"_ _0\"></span>erm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168b w428 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168c w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modell\u00e4nderungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y168d w17e h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td class=\"c x34c y168d w17f h37\"><div class=\"t m0 x2c h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y168d w182 h37\"><div class=\"t m0 x3b h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">245.300<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y168e w432 h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Modifikationen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y168f w433 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">ohne Ausbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1690 w17e h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td class=\"c x34c y1690 w17f h39\"><div class=\"t m0 x14 h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1690 w182 h39\"><div class=\"t m0 x1e h5 y348 ff4 fs4 fc2 sc0 ls0 ws0\">-18.212<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y1691 w17e h38\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1692 w43b h14f\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Wechselkurs\u00e4nderun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1693 w43c h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">und sonstigen Anp<span class=\"_ _0\"></span>assungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1694 w17e h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td class=\"c x34c y1694 w17f h39\"><div class=\"t m0 x2c h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x1ed y1694 w182 h39\"><div class=\"t m0 x2d h6 y348 ff5 fs4 fc2 sc0 ls1b ws0\">303.999<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1695 w43d h206\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Wertberichtigungen zu FVOCI bewerteten finanziellen<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1696 w185 h37\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 1 </div></td><td></td><td class=\"c x351 y1696 w8c h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 2 </div></td><td></td><td class=\"c x352 y1696 w31 h37\"><div class=\"t m0 x70 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1064 w423 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verm\u00f6genswerten<span class=\"_ _128\"> </span></div></td><td class=\"c x350 y1697 w185 hc7\"><div class=\"t m0 x54 h6 y2ec ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M ECL</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td class=\"c x351 y1697 w186 hc7\"><div class=\"t m0 x10 h6 y2ec ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x353 y1697 w6f hc7\"><div class=\"t m0 x5b h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td></td></tr><tr><td class=\"c x178 y1698 w438 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">in Tsd. EUR<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y1699 w184 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2021 </div></td><td></td><td class=\"c x350 y1699 w185 h37\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y1699 w6f h37\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">48<span class=\"fs2 ls0\"> </span></div></td></tr><tr><td class=\"c x1bc y169a w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 1 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169b w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 2 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y169c w184 h39\"><div class=\"t m0 x47 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Transfer in Stufe 3 </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169d w431 h201\"><div class=\"t m0 x177 h5 y11cc ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von neu ausgereich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">ten oder erworbenen Verm\u00f6<span class=\"_ _0\"></span>genswerten<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169e w428 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">inkl. POCI Reklassifizierung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y169f w425 h207\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a0 w429 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modell\u00e4nderungen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a1 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Risikoparametern </div></td><td></td><td class=\"c x350 y16a1 w185 h39\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a1 w6f h39\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x178 y16a2 w425 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y16a3 w43e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Modifikationen  ohne Au<span class=\"_ _0\"></span>sbuchung<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a4 w184 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Ausbuchungen </div></td><td></td><td class=\"c x350 y16a4 w185 h37\"><div class=\"t m0 x73 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a4 w6f h37\"><div class=\"t m0 x94 h5 y34a ff4 fs4 fc2 sc0 ls0 ws0\">-6<span class=\"fs2\"> </span></div></td></tr><tr><td class=\"c x1bc y16a5 w184 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen aufgrund<span class=\"_ _0\"></span> von Abschreibungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a6 w184 h3a\"><div class=\"t m0 x90 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">\u00c4nderungen au<span class=\"_ _0\"></span>fgrund von Wechselkurs- </div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00e4nderungen und sonst<span class=\"_ _0\"></span>igen Anpassungen </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1bc y16a7 w184 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stand per 31.12.2022 </div></td><td></td><td class=\"c x350 y16a7 w185 hc\"><div class=\"t m0 x32 h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x353 y16a7 w6f hc\"><div class=\"t m0 x3a h6 y34a ff5 fs4 fc2 sc0 ls1b ws0\">36<span class=\"fs2 ls0\"> </span></div></td></tr></table>Das maximale Ausfallrisiko des Oberban<span class=\"_ _0\"></span>k-Kon<span class=\"_ _0\"></span>zerns ergibt sich aus den in der Bilanzposition<span class=\"_ _0\"></span> Barreserve enthaltenen <span class=\"_ _0\"></span> Forderungen an Nat<span class=\"_ _0\"></span>ionalbanken und den Bilanzposten Ford<span class=\"_ _0\"></span>erungen an Kreditinstitute, Forderungen an Kunden, d<span class=\"_ _0\"></span>en <span class=\"_ _0\"></span> festverzinslichen Wertpapieren d<span class=\"_ _0\"></span>er Finanzanlagen, den Kreditrisiken aus Derivat<span class=\"_ _0\"></span>en und Eventualverbindlichkeiten ein-<span class=\"_ _128\"> </span>schlie\u00dflich nicht ausgen\u00fct<span class=\"_ _0\"></span>zter Kreditrahmen sowie den Operating Leasing Forderun<span class=\"_ _0\"></span>gen und bel\u00e4uft sich auf 30.804 Mio.<span class=\"_ _0\"></span> Euro (Vorjahr 31.304 Mio.<span class=\"_ _0\"></span> Euro). Diesem Wert stehen in<span class=\"_ _0\"></span>sgesamt Kreditsicherheiten in<span class=\"_ _0\"></span> der H\u00f6he von 13.017,7 Mio. Euro<span class=\"_ _128\"> </span>(Vorjahr 12.135,9 Mio. Eur<span class=\"_ _0\"></span>o) gegen\u00fcber, davon f\u00fcr wertberichtigte und non<span class=\"_ _1\"></span>-performing Forderungen 303,5 Mio. Euro (Vor-<span class=\"_ _128\"> </span>jahr 218,0 Mio. Euro). In<span class=\"_ _0\"></span> den Zinsen und \u00e4hnlichen Ertr\u00e4gen ist ein Betrag in<span class=\"_ _1\"></span> H\u00f6he von 17,8 Mio. Euro (Vorjahr 11,9 Mio.<span class=\"_ _0\"></span> Euro) aus wertgemindert<span class=\"_ _0\"></span>en Forderungen an Kunden enthalten.<span class=\"_ _0\"></span> Das maximale Ausfallrisiko aus den n<span class=\"_ _0\"></span>ach Fair Value bewerteten Forderungen ent<span class=\"_ _0\"></span>spricht dem beizulegenden Zeitwert.<span class=\"_ _1\"></span> Die Impairment-Krit<span class=\"_ _0\"></span>erien f\u00fcr in den Fina<span class=\"ff9\">nzan<span class=\"_ _0\"></span>lagen enthaltene Schuldtitel sind unter Note 2.5, \u201eWertminderu<span class=\"_ _0\"></span>ng bei </span> Schuldtiteln\u201c, dargestellt.<span class=\"ff4\"> <span class=\"_ _7\"> </span> </span>Non-performing loans<span class=\"_ _128\"> </span>Als notleidend (non<span class=\"_ _0\"></span>-performing) werden Forderungen klassifiziert,<span class=\"_ _0\"></span> auf die ein Ausfallkriterium im Sinne der CRR II zut<span class=\"_ _0\"></span>rifft:<span class=\"_ _128\"> </span>Eine wesentliche Ford<span class=\"_ _0\"></span>erung ist mehr als 90 Tage \u00fcberf\u00e4llig oder die vo<span class=\"_ _0\"></span>lle R\u00fcckzahlung der Forderung ist unwahrscheinlich.<span class=\"_ _128\"> </span>Nachstehende Elemente sind<span class=\"_ _0\"></span> als Hinweis zu sehen, dass eine Forderung w<span class=\"_ _0\"></span>ahrscheinlich nicht in voller H\u00f6he beglichen wird<span class=\"_ _0\"></span>:<span class=\"_ _0\"></span> 1. Verzicht auf die lau<span class=\"_ _0\"></span>fende Belastung von Zinsen<span class=\"_ _0\"></span> 2. Neubildung einer Kred<span class=\"_ _0\"></span>itrisikoanpassung in Stufe 3 aufgrund einer deutlichen Verschlechteru<span class=\"_ _0\"></span>ng der Bonit\u00e4t;<span class=\"_ _1\"></span> 3. Restrukturierung des Kred<span class=\"_ _0\"></span>itengagements;<span class=\"_ _128\"> </span>4. Einleitung von Betr<span class=\"_ _0\"></span>eibungsma\u00dfnahmen wegen Zah<span class=\"_ _0\"></span>lungsunf\u00e4higkeit /-un<span class=\"_ _0\"></span>willigkeit, Betrug oder sonstiger Gr\u00fcnde;<span class=\"_ _0\"></span> 5. Forderungsver<span class=\"_ _0\"></span>kauf mit bedeutendem, bonit\u00e4tsbedingtem Verlust;<span class=\"_ _0\"></span> 6. Insolvenz.<span class=\"_ _128\"> </span>7. Weitere Nachsichtsma\u00dfn<span class=\"_ _0\"></span>ahme bei einer bereits mit Nachsicht gekennzeichneter Ford<span class=\"_ _0\"></span>erung.<span class=\"_ _0\"></span> Diese Forderungen we<span class=\"_ _0\"></span><span class=\"ff9\">rden in der Kategorie not<span class=\"_ _0\"></span>leidend (\u201enon<span class=\"_ _0\"></span></span>-<span class=\"ff9\">performing\u201c) dargestellt und sind Teil der fo<span class=\"_ _0\"></span>lgenden </span> Bilanzposten. Weiters l\u00e4sst<span class=\"_ _0\"></span> sich die Entwicklung der Kennzah<span class=\"_ _0\"></span>l \u201eNon<span class=\"ff4\">-</span>perfo<span class=\"_ _0\"></span>rming loans Ratio\u201c und der \u201eNon<span class=\"_ _0\"></span><span class=\"ff4\">-performing<span class=\"_ _128\"> </span></span>Coverage Ratio\u201c aus d<span class=\"_ _0\"></span>er unten stehenden Tabelle <span class=\"ff4\">ab<span class=\"_ _0\"></span>lesen.</span><table class=\"s w43f h208\" id=\"_3e644fd3-bbc7-4201-8b25-00daaae361ed\"><tr><td></td><td></td><td></td><td class=\"c x354 y16a8 w440 h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">NPL nach Abzug von Risikovorsor-<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16a9 w188 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">In \u20ac 1.000<span class=\"ff4\"> </span></div><div class=\"t m0 x14 h15 ye9 ff4 fs5 fc2 sc0 ls30 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x355 y16a9 w189 h3b\" colspan=\"2\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">NPL vor Abzug von Risikovorsorgen<span class=\"_ _0\"></span> </div></td><td class=\"c x354 y16aa w441 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gen<span class=\"_ _128\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16ab w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bilanzposition<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ab w18b h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x219 y16ab w169 h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x356 y16ab w18c h39\"><div class=\"t m0 x87 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x319 y16ab waa h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y16ac w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kreditinstitute<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ac w18b h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16ac w169 h39\"><div class=\"t m0 x120 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16ac w18c h39\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td><td class=\"c x319 y16ac waa h39\"><div class=\"t m0 x31 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y16ad w188 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungen an Kunden<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16ad w18b h37\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">509.314<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16ad w169 h37\"><div class=\"t m0 x41 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">381.882<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16ad w18c h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">338.548<span class=\"_ _128\"> </span> </div></td><td class=\"c x319 y16ad w18d h37\"><div class=\"t m0 x36 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">227.368<span class=\"_ _128\"> </span> </div></td></tr><tr><td></td><td></td><td class=\"c x355 y16ae w189 h39\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">vor Abzug von Risikovorsorgen<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16ae w18e h39\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">nach Abzug von Risikovorsorgen<span class=\"_ _0\"></span> </div></td></tr><tr><td></td><td class=\"c x355 y16af w18b h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x219 y16af w169 h39\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x356 y16af w18f h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x357 y16af we h39\"><div class=\"t m0 x6c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y16b0 w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing loans Ratio brutto<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b0 w18b h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2,49%<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16b0 w169 h39\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,96%<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16b0 w18f h39\"><div class=\"t m0 x69 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x357 y16b0 we h39\"><div class=\"t m0 x4 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td></tr><tr><td class=\"c x2c6 y16b1 w188 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing loans Ratio netto<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b1 w18b h39\"><div class=\"t m0 x39 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x219 y16b1 w169 h39\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span> </div></td><td class=\"c x356 y16b1 w18f h39\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,67%<span class=\"_ _128\"> </span> </div></td><td class=\"c x357 y16b1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1,18%<span class=\"_ _128\"> </span> </div></td></tr><tr><td></td><td class=\"c x355 y16b2 w189 h39\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x356 y16b2 w18e h39\"><div class=\"t m0 x38 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x2c6 y16b3 w188 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">NPL vor Abzug von <span class=\"_ _0\"></span>Risikovorsorgen<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16b3 w189 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">509.314<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b3 w18e h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">381.882<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x2c6 y16b4 w188 ha0\"><div class=\"t m0 x90 h5 y31c ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stage 3 und<span class=\"_ _0\"></span> Sicherhei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">ten f\u00fcr Non performing loan<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span> </div></td><td class=\"c x355 y16b4 w189 ha0\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">446.630<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b4 w18e ha0\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">355.603<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x2c6 y16b5 w188 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Non performing Coverage Ratio<span class=\"_ _0\"></span> </div></td><td class=\"c x355 y16b5 w189 h37\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">87,69%<span class=\"_ _128\"> </span> </div></td><td></td><td class=\"c x356 y16b5 w18e h37\"><div class=\"t m0 x31 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">93,12%<span class=\"_ _128\"> </span> </div></td><td></td></tr><tr><td class=\"c x199 y16b6 w3 h3\"><div class=\"t m0 x3 h15 y4fc ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x1e h5 y7ca ff4 fs2 fc2 sc0 ls0 ws0\"> Bei den Werten hand<span class=\"_ _0\"></span>elt es sich um Bilanzwert<span class=\"_ _0\"></span>e. </div><div class=\"t m0 x3 h5 y67f ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 ya18 ff4 fs2 fc2 sc0 ls0 ws0\">Das non-perfor<span class=\"_ _0\"></span>ming Kreditrisikovolumen (On- u<span class=\"_ _0\"></span>nd Off-Balance) wird in der nachfolgend<span class=\"_ _0\"></span>en Tabelle den Risikovorsorgen und </div><div class=\"t m0 x3 h5 y45c ff4 fs2 fc2 sc0 ls0 ws0\">den Sicherheiten nach Br<span class=\"_ _0\"></span>anche gegen\u00fcbergestellt. </div><div class=\"t m0 x3 h5 y737 ff4 fs2 fc2 sc0 ls0 ws0\">Im Bilanzerhellungszeitraum wurd<span class=\"_ _0\"></span>en noch weitere 6,5 Mio. EUR Risikovorsorgen Stu<span class=\"_ _0\"></span>fe 3 Off<span class=\"_ _0\"></span>-Balance gebildet. Die Kunden<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 ya19 ff4 fs2 fc2 sc0 ls0 ws0\">wurden im J\u00e4nner zeitn<span class=\"_ _0\"></span>ah auf Non-performin<span class=\"_ _0\"></span>g umgestellt. </div><div class=\"t m0 x3 h5 ya1a ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w442 h209\" id=\"_2d2ef00f-c273-405b-a14b-f243010e7435\"><tr><td class=\"c x178 y16b7 w3fc h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16b8 w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16b9 w191 h39\" colspan=\"2\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td class=\"c x178 y16ba w3f3 h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16bb w444 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16bc w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16bc w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16bc w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16bd w445 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16be w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und Fo<span class=\"_ _0\"></span>rstwirtschaft </div></td><td class=\"c x35d y16be we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.643 </div></td><td class=\"c x359 y16be w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">520<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16be w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">133<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16be w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">902<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16bf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16bf we h37\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16bf w192 h37\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16bf w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16bf w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16c0 w190 h38\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16c0 we h38\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">134.443 </div></td><td class=\"c x359 y16c0 w192 h38\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">31.829 </div></td><td class=\"c x205 y16c0 w193 h38\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.236 </div></td><td class=\"c x35b y16c0 w54 h38\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">82.917 </div></td></tr><tr><td class=\"c x174 y16c1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16c1 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.424 </div></td><td class=\"c x359 y16c1 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">368<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c1 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">323<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c1 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.585 </div></td></tr><tr><td class=\"c x174 y16c2 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16c2 we h3a\"><div class=\"t m0 xd h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">427<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16c2 w192 h3a\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">102<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c2 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c2 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">234<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16c3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16c3 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.281 </div></td><td class=\"c x359 y16c3 w192 h37\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.614 </div></td><td class=\"c x205 y16c3 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.655 </div></td><td class=\"c x35b y16c3 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.946 </div></td></tr><tr><td class=\"c x174 y16c4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16c4 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.145 </div></td><td class=\"c x359 y16c4 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.363 </div></td><td class=\"c x205 y16c4 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.888 </div></td><td class=\"c x35b y16c4 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">22.019 </div></td></tr><tr><td class=\"c x174 y16c5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16c5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.709 </div></td><td class=\"c x359 y16c5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.539 </div></td><td class=\"c x205 y16c5 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">840<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.805 </div></td></tr><tr><td class=\"c x174 y16c6 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16c6 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.549 </div></td><td class=\"c x359 y16c6 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.028 </div></td><td class=\"c x205 y16c6 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.622 </div></td><td class=\"c x35b y16c6 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.238 </div></td></tr><tr><td class=\"c x174 y16c7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16c7 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.380 </div></td><td class=\"c x359 y16c7 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">639<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16c7 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">13<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c7 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.217 </div></td></tr></table><table class=\"s w442 h20a\" id=\"_9710281b-a7f9-452c-9e4e-8a8ea5edff0b\"><tr><td class=\"c x178 y16c8 w446 h20b\"><div class=\"t m0 x177 h5 y1139 ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div></td><td class=\"c x35d y16c9 we ha0\"><div class=\"t m0 x14 h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.405 </div></td><td></td><td class=\"c x205 y16c9 w193 ha0\"><div class=\"t m0 x94 h5 ya24 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16c9 w54 ha0\"><div class=\"t m0 x2f h5 ya24 ff4 fs2 fc2 sc0 ls0 ws0\">8.019 </div></td></tr><tr><td class=\"c x178 y16ca w447 h16b\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">tungen<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x359 y16c9 w192 ha0\"><div class=\"t m0 x34 h5 y81 ff4 fs2 fc2 sc0 ls2 ws0\">366<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x174 y16cb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">L Grundst\u00fccks<span class=\"_ _0\"></span>- und Wohnungswe-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16cb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">50.495 </div></td><td class=\"c x359 y16cb w192 h3a\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.962 </div></td><td class=\"c x205 y16cb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">4.060 </div></td><td class=\"c x35b y16cb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">31.679 </div></td></tr><tr><td class=\"c x174 y16cc w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16cc we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">66.814 </div></td><td class=\"c x359 y16cc w192 h3b\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">23.394 </div></td><td class=\"c x205 y16cc w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">544<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cc w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">30.922 </div></td></tr><tr><td class=\"c x174 y16cd w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16cd we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">10.190 </div></td><td class=\"c x359 y16cd w192 h3a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.064 </div></td><td class=\"c x205 y16cd w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">503<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cd w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.501 </div></td></tr><tr><td class=\"c x174 y16ce w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ce we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ce w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ce w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ce w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16cf w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und Unterricht<span class=\"_ _0\"></span> </div></td><td class=\"c x35d y16cf we h37\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">307<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16cf w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">176<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16cf w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16cf w54 h37\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">116<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16d0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.269 </div></td><td class=\"c x359 y16d0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">496<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d0 w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">50<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.317 </div></td></tr><tr><td class=\"c x174 y16d1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16d1 we h3b\"><div class=\"t m0 xd h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">988<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d1 w192 h3b\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">421<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d1 w193 h3b\"><div class=\"t m0 xad h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d1 w54 h3b\"><div class=\"t m0 x40 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">489<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16d2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16d2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.907 </div></td><td class=\"c x359 y16d2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.288 </div></td></tr><tr><td class=\"c x174 y16d3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16d3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">61.934 </div></td><td class=\"c x359 y16d3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.304 </div></td><td class=\"c x205 y16d3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">486<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">25.300 </div></td></tr><tr><td class=\"c x174 y16d4 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisationen </div></td><td class=\"c x35d y16d4 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16d4 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16d4 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16d4 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16d5 w448 h20c\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16d6 w193 ha0\"><div class=\"t m0 x30 h5 ya2e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x178 y16d7 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16d8 w190 h37\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16d8 we h37\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16d8 w192 h37\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16d8 w193 h37\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16d8 w54 h37\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y16d9 w3fc h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Branchen<span class=\"_ _128\"> </span></div></td><td class=\"c x358 y16da w443 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-perfor-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16db w191 h39\"><div class=\"t m0 x2e h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y16dc w3f3 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in \u20ac 1.000 per 31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x35a y16dd w444 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ming Kreditri-<span class=\"_ _128\"> </span></div></td><td class=\"c x359 y16de w192 h53\"><div class=\"t m0 x3f h6 y9d2 ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x205 y16de w193 h53\"><div class=\"t m0 xe h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x35b y16de w54 h6f\"><div class=\"t m0 x5b h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td></td><td class=\"c x35c y16df w445 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">siko-volumen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16e0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">A Land- und <span class=\"_ _0\"></span>Forstwirtschaft </div></td><td class=\"c x35d y16e0 we h39\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.012 </div></td><td class=\"c x359 y16e0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e0 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">136<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e0 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.267 </div></td></tr><tr><td class=\"c x174 y16e1 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">B Bergbau </div></td><td class=\"c x35d y16e1 we h39\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16e1 w192 h39\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16e1 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16e1 w54 h39\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16e2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">C Herstellung von Waren </div></td><td class=\"c x35d y16e2 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">89.886 </div></td><td class=\"c x359 y16e2 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.634 </div></td><td class=\"c x205 y16e2 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.647 </div></td><td class=\"c x35b y16e2 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.999 </div></td></tr><tr><td class=\"c x174 y16e3 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">D Energieversorgung </div></td><td class=\"c x35d y16e3 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.505 </div></td><td class=\"c x359 y16e3 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">483<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e3 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e3 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.183 </div></td></tr><tr><td class=\"c x174 y16e4 w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">E Wasserversorgung und Ab<span class=\"_ _0\"></span>fallent-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sorgung </div></td><td class=\"c x35d y16e4 we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">1.469 </div></td><td class=\"c x359 y16e4 w192 h3a\"><div class=\"t m0 x34 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">247<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16e4 w193 h3a\"><div class=\"t m0 x94 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">21<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e4 w54 h3a\"><div class=\"t m0 x40 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">804<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16e5 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">F Bau </div></td><td class=\"c x35d y16e5 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">45.649 </div></td><td class=\"c x359 y16e5 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.100 </div></td><td class=\"c x205 y16e5 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.753 </div></td><td class=\"c x35b y16e5 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.839 </div></td></tr><tr><td class=\"c x174 y16e6 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">G Handel </div></td><td class=\"c x35d y16e6 we h37\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.123 </div></td><td class=\"c x359 y16e6 w192 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.304 </div></td><td class=\"c x205 y16e6 w193 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.672 </div></td><td class=\"c x35b y16e6 w54 h37\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.709 </div></td></tr><tr><td class=\"c x174 y16e7 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">H Verkehr </div></td><td class=\"c x35d y16e7 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">26.247 </div></td><td class=\"c x359 y16e7 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.764 </div></td><td class=\"c x205 y16e7 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">273<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e7 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.785 </div></td></tr><tr><td class=\"c x174 y16e8 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">I Beherbergung und G<span class=\"_ _0\"></span>astronomie </div></td><td class=\"c x35d y16e8 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.744 </div></td><td class=\"c x359 y16e8 w192 h39\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.144 </div></td><td class=\"c x205 y16e8 w193 h39\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.671 </div></td><td class=\"c x35b y16e8 w54 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.681 </div></td></tr><tr><td class=\"c x174 y16e9 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">J Information und Kommu<span class=\"_ _0\"></span>nikation </div></td><td class=\"c x35d y16e9 we h3c\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.959 </div></td><td class=\"c x359 y16e9 w192 h3c\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.866 </div></td><td class=\"c x205 y16e9 w193 h3c\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16e9 w54 h3c\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.061 </div></td></tr><tr><td class=\"c x174 y16ea w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">K Finanz- und<span class=\"_ _0\"></span> Versicherungsleis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ea we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.847 </div></td><td class=\"c x359 y16ea w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">357<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ea w193 h3b\"><div class=\"t m0 x94 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">61<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ea w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.431 </div></td></tr><tr><td class=\"c x174 y16eb w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls32 ws0\">L <span class=\"ls0\">Grundst\u00fc<span class=\"_ _0\"></span>cks- und Wohnungswe-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">sen </div></td><td class=\"c x35d y16eb we h3a\"><div class=\"t m0 x11 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">46.507 </div></td><td class=\"c x359 y16eb w192 h3a\"><div class=\"t m0 xf9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">15.481 </div></td><td class=\"c x205 y16eb w193 h3a\"><div class=\"t m0 x6 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">7.107 </div></td><td class=\"c x35b y16eb w54 h3a\"><div class=\"t m0 x9 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">28.350 </div></td></tr><tr><td class=\"c x174 y16ec w190 h3b\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">M Freiberufliche/techn. Dienst<span class=\"_ _0\"></span>leis-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">tungen </div></td><td class=\"c x35d y16ec we h3b\"><div class=\"t m0 x11 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">43.713 </div></td><td class=\"c x359 y16ec w192 h3b\"><div class=\"t m0 xf9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">16.342 </div></td><td class=\"c x205 y16ec w193 h3b\"><div class=\"t m0 x6 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.392 </div></td><td class=\"c x35b y16ec w54 h3b\"><div class=\"t m0 x9 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">21.029 </div></td></tr><tr><td class=\"c x174 y16ed w190 h3a\"><div class=\"t m0 x7 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">N Sonst. wirtschaft<span class=\"_ _0\"></span>l. Dienstleistun-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">gen </div></td><td class=\"c x35d y16ed we h3a\"><div class=\"t m0 x14 h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">8.698 </div></td><td class=\"c x359 y16ed w192 h3a\"><div class=\"t m0 x2d h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">2.396 </div></td><td class=\"c x205 y16ed w193 h3a\"><div class=\"t m0 x50 h5 y34d ff4 fs2 fc2 sc0 ls2 ws0\">389<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ed w54 h3a\"><div class=\"t m0 x2f h5 y34d ff4 fs2 fc2 sc0 ls0 ws0\">5.660 </div></td></tr><tr><td class=\"c x174 y16ee w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">O \u00d6ffentliche Verwaltun<span class=\"_ _0\"></span>g </div></td><td class=\"c x35d y16ee we h37\"><div class=\"t m0 xfd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ee w192 h37\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">17<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ee w193 h37\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16ee w54 h37\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y16ef w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">P Erziehung und U<span class=\"_ _0\"></span>nterricht </div></td><td class=\"c x35d y16ef we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">540<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16ef w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">158<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16ef w193 h39\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">57<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16ef w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">365<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f0 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Q Gesundheits<span class=\"_ _0\"></span>- und Sozialwesen </div></td><td class=\"c x35d y16f0 we h39\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">457<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f0 w192 h39\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">137<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f0 w193 h39\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x35b y16f0 w54 h39\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y16f1 w190 h3b\"><div class=\"t m0 x7 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">R Kunst, Unterhaltung und<span class=\"_ _0\"></span> Erho-<span class=\"_ _128\"> </span></div><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">lung </div></td><td class=\"c x35d y16f1 we h3b\"><div class=\"t m0 x14 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">3.686 </div></td><td class=\"c x359 y16f1 w192 h3b\"><div class=\"t m0 x34 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">948<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f1 w193 h3b\"><div class=\"t m0 x50 h5 y93f ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f1 w54 h3b\"><div class=\"t m0 x2f h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">1.984 </div></td></tr><tr><td class=\"c x174 y16f2 w190 h37\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">S Sonst. Dienstleistungen </div></td><td class=\"c x35d y16f2 we h37\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.051 </div></td><td class=\"c x359 y16f2 w192 h37\"><div class=\"t m0 x34 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">634<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f2 w193 h37\"><div class=\"t m0 x94 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">32<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f2 w54 h37\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.318 </div></td></tr><tr><td class=\"c x174 y16f3 w190 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">T Private Haushalte </div></td><td class=\"c x35d y16f3 we h39\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">65.133 </div></td><td class=\"c x359 y16f3 w192 h39\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.928 </div></td><td class=\"c x205 y16f3 w193 h39\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">318<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f3 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">29.255 </div></td></tr><tr><td class=\"c x174 y16f4 w190 h3c\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">U Exterritoriale Organisat<span class=\"_ _0\"></span>ionen </div></td><td class=\"c x35d y16f4 we h3c\"><div class=\"t m0 x1e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x359 y16f4 w192 h3c\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x205 y16f4 w193 h3c\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x35b y16f4 w54 h3c\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x178 y16f5 w448 h1fa\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Branchenm\u00e4\u00dfig nicht<span class=\"_ _0\"></span> zuordenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x205 y16f6 w193 h3b\"><div class=\"t m0 x30 h5 y93f ff4 fs2 fc2 sc0 ls0 ws0\">75.776 </div></td><td></td></tr><tr><td class=\"c x178 y16f7 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y16f8 w190 h39\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x35d y16f8 we h39\"><div class=\"t m0 x15 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x359 y16f8 w192 h39\"><div class=\"t m0 x33 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x205 y16f8 w193 h39\"><div class=\"t m0 x1e h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x35b y16f8 w54 h39\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>Weiters erfolgt noch eine Darstellung d<span class=\"_ _0\"></span>es non<span class=\"_ _0\"></span>-performing Kreditrisikovolumens, der R<span class=\"_ _0\"></span>isikovorsorgen und der Sicherheiten<span class=\"_ _128\"> </span>nach Regionen. <span class=\"_ _7\"> </span> <table class=\"s w44a h20d\" id=\"_9e698291-df94-445b-a8b6-750dffe19edd\"><tr><td></td><td class=\"c x35e y16f9 w44b h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fa we3 h3e\" colspan=\"2\"><div class=\"t m0 x11 h6 ya45 ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td></tr><tr><td></td><td class=\"c x360 y16fb w44c h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x361 y16fc w3f8 h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x362 y16fd w44d h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x35f y16fe w54 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y16fe w10 h43\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y16fe w54 h43\"><div class=\"t m0 x5b h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x361 y16ff w44e h18d\"><div class=\"t m0 x177 h6 y1078 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1700 w197 h39\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1700 w196 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">229.534 </div></td><td class=\"c x367 y1700 w54 h39\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.349 </div></td><td class=\"c x368 y1700 w10 h39\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.079 </div></td><td class=\"c x369 y1700 w54 h39\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">126.144 </div></td></tr><tr><td class=\"c x365 y1701 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1701 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">180.555 </div></td><td class=\"c x367 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.097 </div></td><td class=\"c x368 y1701 w10 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.319 </div></td><td class=\"c x369 y1701 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">94.939 </div></td></tr><tr><td class=\"c x365 y1702 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1702 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">129.682 </div></td><td class=\"c x367 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">41.295 </div></td><td class=\"c x368 y1702 w10 h12\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.838 </div></td><td class=\"c x369 y1702 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.075 </div></td></tr><tr><td class=\"c x365 y1703 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1703 w196 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">382<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1703 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">189<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1703 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2 </div></td><td class=\"c x369 y1703 w54 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">31<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x365 y1704 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1704 w196 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x367 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5 </div></td><td class=\"c x368 y1704 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1704 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1705 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1705 w196 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.170 </div></td><td class=\"c x367 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.831 </div></td><td class=\"c x368 y1705 w10 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">192<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1705 w54 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.304 </div></td></tr><tr><td class=\"c x178 y1706 w44f h1fa\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuorden<span class=\"_ _0\"></span>bare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1707 w449 h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1708 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">90.039 </div></td><td></td></tr><tr><td class=\"c x365 y1709 w197 h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y1709 w196 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">550.328<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">170.766<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1709 w10 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">111.469<span class=\"ls0\"> </span></div></td><td class=\"c x369 y1709 w54 h12\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">303.492<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x36a y170a w44b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Non-performing<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170b w19a h34\"><div class=\"t m0 x4d h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen Stufe 3 </div></td><td></td><td></td></tr><tr><td></td><td class=\"c x36c y170c w44c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiko-volu-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x36d y170d w3f8 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Geografische Verteilung<span class=\"_ _128\"> </span></div></td><td class=\"c x36e y170e w44d h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">men<span class=\"_ _128\"> </span></div></td><td class=\"c x36b y170f w122 h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls31 ws0\">On<span class=\"ls0\">-Balance</span><span class=\"ls0\"> </span></div></td><td class=\"c x363 y170f w19b h7f\"><div class=\"t m0 x15 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Off-Balance </div></td><td class=\"c x364 y170f we1 h7f\"><div class=\"t m0 x37 h6 ya4a ff5 fs2 fc2 sc0 ls0 ws0\">Sicherheiten  </div></td></tr><tr><td class=\"c x36d y1710 w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x365 y1711 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">\u00d6sterreich </div></td><td class=\"c x366 y1711 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">165.970 </div></td><td class=\"c x367 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.121 </div></td><td class=\"c x368 y1711 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.803 </div></td><td class=\"c x369 y1711 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">77.098 </div></td></tr><tr><td class=\"c x365 y1712 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Deutschland </div></td><td class=\"c x366 y1712 w196 h12\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">112.775 </div></td><td class=\"c x367 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">28.844 </div></td><td class=\"c x368 y1712 w10 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.132 </div></td><td class=\"c x369 y1712 w54 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">66.070 </div></td></tr><tr><td class=\"c x365 y1713 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Osteuropa (CZ, HU, SK) </div></td><td class=\"c x366 y1713 w196 hc\"><div class=\"t m0 x10 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">136.361 </div></td><td class=\"c x367 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.004 </div></td><td class=\"c x368 y1713 w10 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.811 </div></td><td class=\"c x369 y1713 w54 hc\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.268 </div></td></tr><tr><td class=\"c x365 y1714 w197 h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Westeuropa (ohne DE<span class=\"_ _0\"></span>) </div></td><td class=\"c x366 y1714 w196 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">76<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1714 w54 h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">71<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1714 w10 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1714 w54 h12\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1715 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls7 ws0\">PIGS<span class=\"ls0\">-L\u00e4nder</span><span class=\"ls0\"> </span></div></td><td class=\"c x366 y1715 w196 hc\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x367 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td><td class=\"c x368 y1715 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1715 w54 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x365 y1716 w197 hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Andere L\u00e4nder </div></td><td class=\"c x366 y1716 w196 hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.052 </div></td><td class=\"c x367 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">467<span class=\"ls0\"> </span></div></td><td class=\"c x368 y1716 w10 hc\"><div class=\"t m0 x32 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td class=\"c x369 y1716 w54 hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">564<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1717 w450 h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Geografisch nicht zuo<span class=\"_ _0\"></span>rdenbare<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y1718 w449 h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x368 y1719 w10 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">80.119 </div></td><td></td></tr><tr><td class=\"c x365 y11b5 w197 hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x366 y11b5 w196 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">416.244<span class=\"ls0\"> </span></div></td><td class=\"c x367 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">154.514<span class=\"ls0\"> </span></div></td><td class=\"c x368 y11b5 w10 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">113.964<span class=\"ls0\"> </span></div></td><td class=\"c x369 y11b5 w54 hc\"><div class=\"t m0 x10 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">218.000<span class=\"ls0\"> </span></div></td></tr></table>Die geografisch nicht zuord<span class=\"_ _0\"></span>enbaren Risikovorsorgen ergeben sich zu einem Gro\u00dfteil aus <span class=\"_ _0\"></span>den freien R\u00fcckstellungen der AL-<span class=\"_ _128\"> </span>GAR, die in der Folge n\u00e4h<span class=\"_ _0\"></span>er erl\u00e4utert werden:<span class=\"_ _128\"> </span>Die Oberbank AG, die BKS AG und d<span class=\"_ _0\"></span>ie BTV AG sind zu 50% bzw. jeweils 25% an der Alp<span class=\"_ _0\"></span>enl\u00e4ndische Garantie<span class=\"_ _0\"></span>-Gesellschaft<span class=\"_ _128\"> </span>m.b.H. (idF kurz \u201eALGAR\u201c) <span class=\"_ _0\"></span>beteiligt. Gesch\u00e4ftsgegenstand d<span class=\"_ _0\"></span>er ALGAR, die \u00fcber eine eingeschr\u00e4nkt<span class=\"_ _0\"></span>e Bankkonzession verf\u00fcgt,<span class=\"_ _128\"> </span>ist die \u00dcbernahme vo<span class=\"_ _0\"></span>n Ausfallrisiken f\u00fcr definierte Kredite und Darlehen<span class=\"_ _0\"></span> der Gesellschafterbanken, wobei das Ausma\u00df d<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>Inanspruchnahme mit d<span class=\"_ _0\"></span>em in der ALGAR vorhandenen Verm\u00f6gen, w<span class=\"_ _0\"></span>elches nicht f\u00fcr bereits in Anspruch geno<span class=\"_ _0\"></span>mmenen Ga-<span class=\"_ _128\"> </span>rantieleistungen reserviert ist, begrenzt ist<span class=\"_ _0\"></span> (H\u00f6chstbetr<span class=\"_ _0\"></span>ag der R\u00fcckstellung f\u00fcr erwartete k\u00fcnftige Inanspruchn<span class=\"_ _0\"></span>ahmen). Die<span class=\"_ _128\"> </span>Laufzeit der Garantie ist zeitlich un<span class=\"_ _0\"></span>limitiert. Die Gesellschafterbanken haben laufend<span class=\"_ _0\"></span> ein Garantieentgelt zu leisten, welche<span class=\"_ _0\"></span><span class=\"ls33\">s<span class=\"_ _128\"> </span></span>sich im Falle einer Entn<span class=\"_ _0\"></span>ahme entsprechend zuk\u00fcnftig<span class=\"_ _0\"></span> erh\u00f6ht (Malusregelung). <span class=\"_ _0\"></span> Zum 31. Dezember 2022 stehen<span class=\"_ _0\"></span> einem von den Gesellschafterbanken<span class=\"_ _0\"></span> eingemeldeten und von der Garantie umfasst<span class=\"_ _0\"></span>en Volu-<span class=\"_ _128\"> </span>men eine R\u00fcckstellung f\u00fcr erw<span class=\"_ _0\"></span>artete k\u00fcnftige Inanspruchnahmen in der ALGAR<span class=\"_ _0\"></span> von 179.640 Tsd. EUR gegen\u00fcber. Da der f\u00fcr<span class=\"_ _1\"></span> das Garantievolumen ermittelte erwartet<span class=\"_ _0\"></span>e Kreditverlust den H\u00f6chstbetrag der R\u00fcckstellung f\u00fcr erwartete k\u00fcn<span class=\"_ _0\"></span>ftige Inan-<span class=\"_ _128\"> </span>spruchnahmen b<span class=\"_ _0\"></span>ei weitem \u00fcbersteigt, greift zu diesem Stichtag die oben an<span class=\"_ _0\"></span>gef\u00fchrte Begrenzungsregelung.<span class=\"_ _0\"></span> Aufgrund der besond<span class=\"_ _0\"></span>eren gesellschaftsvert<span class=\"_ _0\"></span>raglichen Bestimmungen sowie des mit der Bank f\u00fcr T<span class=\"_ _0\"></span>irol und Vorarlberg Aktien-<span class=\"_ _128\"> </span>gesellschaft und mit der BKS Bank AG <span class=\"_ _0\"></span>geschlossenen Gesellschafter\u00fcb<span class=\"_ _0\"></span>ereinkommens wird die ALGAR als Gemeinschaftliche<span class=\"_ _128\"> </span>T\u00e4tigkeit (Joint Operation<span class=\"_ _0\"></span>) iSd IFRS 11 in den Konzern de<span class=\"_ _0\"></span>r Oberbank AG einbezogen.<span class=\"_ _128\"> </span>Insoweit seitens der Gesellschafterban<span class=\"_ _0\"></span>ken bereits Garantien der ALGAR aufgrund eines Au<span class=\"_ _0\"></span>sfalles in Anspruch genommen<span class=\"_ _128\"> </span>wurden, werden im Rah<span class=\"_ _0\"></span>men der Konzernrechnungslegung die in der ALGAR daf\u00fcr<span class=\"_ _0\"></span> vorgenommenen R\u00fcckstellungen der je-<span class=\"_ _128\"> </span>weiligen betroffenen Gesellschaft<span class=\"_ _0\"></span>erbank zugeordnet. Dies betrifft ebenso<span class=\"_ _0\"></span> die im Rahmen der vorl\u00e4ufigen Gar<span class=\"_ _0\"></span>antieerkl\u00e4run-<span class=\"_ _128\"> </span>gen angemeldeten Kreditobligos, f\u00fc<span class=\"_ _0\"></span>r die in der ALGAR bereits Risikovorsorgen gebildet wurden.     <span class=\"_ _1\"></span> Die seitens der ALGAR vorgenommenen R\u00fcckst<span class=\"_ _0\"></span>ellungen f\u00fcr<span class=\"_ _0\"></span> erwartete Kreditverluste f\u00fcr das noch nicht ausgefallene Garan-<span class=\"_ _128\"> </span>tievolumen werden von<span class=\"_ _0\"></span> den Gesellsc<span class=\"_ _5\"></span>hafterban<span class=\"_ _0\"></span>ken mangels einer eindeutigen Zuo<span class=\"_ _0\"></span>rdenbarkeit der Vorsorgen zu spezifischen<span class=\"_ _128\"> </span>garantierten Krediten und Dar<span class=\"_ _0\"></span>lehen entsprechend dem Beteiligung<span class=\"_ _0\"></span>sverh<span class=\"_ _0\"></span>\u00e4ltnis in den Konzern einbezogen. <span class=\"_ _0\"></span> <span class=\"_ _7\"> </span>Hieraus ergibt sich f\u00fcr die Oberban<span class=\"_ _0\"></span>k AG die \u00dcbernahme von R\u00fcckstellungen f\u00fc<span class=\"_ _0\"></span>r erwartete Kreditverluste von nicht eind<span class=\"_ _0\"></span>eutig<span class=\"_ _128\"> </span>zuordenbaren Kred<span class=\"_ _0\"></span>itrisiken in H\u00f6he von 89.820 Tsd. EUR.<span class=\"_ _0\"></span> Dar\u00fcber hinaus gibt es noch Risikovo<span class=\"_ _0\"></span><span class=\"ff9\">rsorgen f\u00fcr ECLs der Stu<span class=\"_ _0\"></span>fen 1 und 2 f\u00fcr die \u201eperforming\u201c<span class=\"_ _0\"></span></span>-Kategorien mit einem Volu-<span class=\"_ _128\"> </span>men von 88.896 Tsd<span class=\"_ _0\"></span>. EUR (Vorjahr: 80.782 Tsd. EUR).<span class=\"_ _128\"> </span>Risikovorsorgen gem\u00e4\u00df IFRS 9 nach Bonit\u00e4tsstruktur<span class=\"_ _0\"></span> Die Risikovorsorgen werden gem\u00e4\u00df IFRS 9 f\u00fc<span class=\"_ _0\"></span>r Kreditverluste s\u00e4mtlicher <span class=\"_ _0\"></span>Position<span class=\"_ _0\"></span>en des Kreditrisikovolumens berechnet, die<span class=\"_ _128\"> </span>zu fortgef\u00fchrten Anschaffun<span class=\"_ _0\"></span>gskosten oder erfolgsneutral zum Fair Value bewertet<span class=\"_ _0\"></span> werden. Dies umfasst Kredite und D<span class=\"_ _0\"></span>arle-<span class=\"_ _128\"> </span>hen, Schuldverschreibungen,<span class=\"_ _0\"></span> Forderungen aus Finanzierungsleasing sowie Forderungen aus <span class=\"_ _1\"></span>Lieferungen und Leistungen.<span class=\"_ _128\"> </span>R\u00fcckstellungen f\u00fcr Finan<span class=\"_ _0\"></span>zgarantien und nicht ausgen\u00fctzte Kreditr<span class=\"_ _0\"></span>ahmen werden berechnet, sofern sie den IFRS 9 Bestim-<span class=\"_ _128\"> </span>mungen f\u00fcr Impairment unt<span class=\"_ _0\"></span>erliegen.<table class=\"s w451 h20e\" id=\"_004c9ba9-af07-40ce-bdca-b9cbbc25bc02\"><tr><td class=\"c x178 y171a w452 h20f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171b w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y171b w37 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y171b w36 h39\" colspan=\"2\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td></tr><tr><td class=\"c x178 y171c w453 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y171d w19c hcd\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y171d w19d hcd\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y171d w19e hcd\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y171d w19f hcd\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y171e w44e h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y171f w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.216.228 </div></td><td class=\"c x370 y171f w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.630.975 </div></td><td></td><td></td><td class=\"c x373 y171f w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.847.202 </div></td></tr><tr><td class=\"c x1dc y1720 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y1720 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.041.996 </div></td><td class=\"c x370 y1720 w37 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.577.866 </div></td><td></td><td class=\"c x372 y1720 w40 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">15<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1720 w36 h39\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.619.876 </div></td></tr><tr><td class=\"c x1dc y1721 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y1721 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.095 </div></td><td class=\"c x370 y1721 w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">368.830 </div></td><td></td><td class=\"c x372 y1721 w40 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.167 </div></td><td class=\"c x373 y1721 w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">444.091 </div></td></tr><tr><td class=\"c x1dc y1722 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">470.064 </div></td><td class=\"c x372 y1722 w40 h37\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.068 </div></td><td class=\"c x373 y1722 w36 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">508.133 </div></td></tr><tr><td class=\"c x1dc y1723 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.332.318<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1723 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.577.670<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1723 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">470.064<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1723 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1723 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.419.302<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1724 w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1724 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.500 </div></td><td class=\"c x370 y1724 w37 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-50.869 </div></td><td class=\"c x371 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-170.765 </div></td><td></td><td class=\"c x373 y1724 w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-240.134 </div></td></tr><tr><td class=\"c x1dc y1725 w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">17.313.818<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1725 w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.526.801<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1725 w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">299.300<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1725 w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">39.250<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1725 w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.179.168<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1726 w452 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe der fi-<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x370 y1727 w37 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x371 y1727 w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1728 w453 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nanziellen Verm\u00f6genswerte<span class=\"_ _128\"> </span></div></td><td class=\"c x36f y1729 w19c h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x370 y1729 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x372 y1729 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x373 y1729 w19f h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y172a w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y172b w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x36f y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.835.616 </div></td><td class=\"c x370 y172b w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.061.195 </div></td><td></td><td></td><td class=\"c x373 y172b w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.896.811 </div></td></tr><tr><td class=\"c x1dc y172c w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x36f y172c w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.871.148 </div></td><td class=\"c x370 y172c w37 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.014.364 </div></td><td></td><td class=\"c x372 y172c w40 h37\"><div class=\"t m0 xf9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4 </div></td><td class=\"c x373 y172c w36 h37\"><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.885.516 </div></td></tr><tr><td class=\"c x1dc y172d w12f h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x36f y172d w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">75.377 </div></td><td class=\"c x370 y172d w37 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">515.098 </div></td><td></td><td></td><td class=\"c x373 y172d w36 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">590.475 </div></td></tr><tr><td class=\"c x1dc y172e w12f h3c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x371 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">342.671 </div></td><td class=\"c x372 y172e w40 h3c\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.325 </div></td><td class=\"c x373 y172e w36 h3c\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">382.996 </div></td></tr><tr><td class=\"c x1dc y172f w12f h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Bruttobuchwert </div></td><td class=\"c x36f y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.782.141<span class=\"ls0\"> </span></div></td><td class=\"c x370 y172f w37 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.590.657<span class=\"ls0\"> </span></div></td><td class=\"c x371 y172f w36 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">342.671<span class=\"ls0\"> </span></div></td><td class=\"c x372 y172f w40 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y172f w36 h39\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.755.798<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1730 w12f h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x36f y1730 w36 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-18.251 </div></td><td class=\"c x370 y1730 w37 h37\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-41.246 </div></td><td class=\"c x371 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-156.213 </div></td><td></td><td class=\"c x373 y1730 w36 h37\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-215.710 </div></td></tr><tr><td class=\"c x1dc y1731 w12f h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Nettobuchwert </div></td><td class=\"c x36f y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">18.763.890<span class=\"ls0\"> </span></div></td><td class=\"c x370 y1731 w37 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.549.411<span class=\"ls0\"> </span></div></td><td class=\"c x371 y1731 w36 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">186.458<span class=\"ls0\"> </span></div></td><td class=\"c x372 y1731 w40 h37\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">40.330<span class=\"ls0\"> </span></div></td><td class=\"c x373 y1731 w36 h37\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">24.540.089<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y1732 w454 h1c9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y1733 w40 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y1733 w36 h39\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1734 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1735 w19f h53\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1735 w19d h53\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1735 w19e h53\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1735 w19c h53\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1736 w456 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1737 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.032.778 </div></td><td class=\"c x375 y1737 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">361.409 </div></td><td></td><td></td><td class=\"c x378 y1737 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.394.187 </div></td></tr><tr><td class=\"c x1dc y1738 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.585.560 </div></td><td class=\"c x375 y1738 w40 h39\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">464.486 </div></td><td></td><td class=\"c x377 y1738 w37 h39\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1738 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.050.057 </div></td></tr><tr><td class=\"c x1dc y1739 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.235 </div></td><td class=\"c x375 y1739 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">24.487 </div></td><td></td><td></td><td class=\"c x378 y1739 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.723 </div></td></tr><tr><td class=\"c x1dc y173a w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.972 </div></td><td class=\"c x377 y173a w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">16<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173a w36 h37\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.988 </div></td></tr><tr><td class=\"c x1dc y173b w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.629.573<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173b w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">850.382<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173b w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">8.972<span class=\"ls0\"> </span></div></td><td class=\"c x377 y173b w37 h37\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">28<span class=\"ls0\"> </span></div></td><td class=\"c x378 y173b w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.488.955<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y173c w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y173c w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.525 </div></td><td class=\"c x375 y173c w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.390 </div></td><td class=\"c x307 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-113.663 </div></td><td class=\"c x377 y173c w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">219</span> </div></td><td class=\"c x378 y173c w36 h39\"><div class=\"t m0 x54 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-127.796 </div></td></tr><tr><td class=\"c x1dc y173d w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">3.622.048<span class=\"ls0\"> </span></div></td><td class=\"c x375 y173d w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">843.993<span class=\"ls0\"> </span></div></td><td class=\"c x307 y173d w36 h39\"><div class=\"t m0 x54 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104.691</span> </div></td><td class=\"c x377 y173d w37 h39\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">191</span> </div></td><td class=\"c x378 y173d w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.361.159<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x178 y173e w454 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe bei Kre-<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1 </div></td><td class=\"c x375 y173f w40 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2 </div></td><td class=\"c x307 y173f w36 h37\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3 </div></td><td></td><td></td></tr><tr><td class=\"c x178 y1740 w455 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">ditzusagen<span class=\"_ _128\"> </span></div></td><td class=\"c x374 y1741 w19f h53\"><div class=\"t m0 x13 h6 y9d4 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL</span><span class=\"ls0\"> </span></div></td><td></td><td class=\"c x376 y1741 w19d h53\"><div class=\"t m0 x10a h6 y9d4 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL</span><span class=\"ls0\"> </span></div></td><td class=\"c x377 y1741 w19e h53\"><div class=\"t m0 x4a h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">POCI </div></td><td class=\"c x378 y1741 w19c h53\"><div class=\"t m0 x9f h6 y9d4 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td></tr><tr><td class=\"c x178 y1742 w44e h159\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1dc y1743 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x374 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.228.527 </div></td><td class=\"c x375 y1743 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">38.875 </div></td><td></td><td></td><td class=\"c x378 y1743 w36 h39\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.267.402 </div></td></tr><tr><td class=\"c x1dc y1744 w1a0 h37\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x374 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.858.508 </div></td><td class=\"c x375 y1744 w40 h37\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">293.533 </div></td><td></td><td class=\"c x377 y1744 w37 h37\"><div class=\"t m0 xf h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1744 w36 h37\"><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.152.078 </div></td></tr><tr><td class=\"c x1dc y1745 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x374 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.906 </div></td><td class=\"c x375 y1745 w40 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">44.425 </div></td><td></td><td></td><td class=\"c x378 y1745 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.331 </div></td></tr><tr><td class=\"c x1dc y1746 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing </div></td><td></td><td></td><td class=\"c x307 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">12.342 </div></td><td class=\"c x377 y1746 w37 h39\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.048 </div></td><td class=\"c x378 y1746 w36 h39\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.390 </div></td></tr><tr><td class=\"c x1dc y1747 w1a0 h39\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto </div></td><td class=\"c x374 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.104.941<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1747 w40 h39\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">376.834<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1747 w36 h39\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">12.342<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1747 w37 h39\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.084<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1747 w36 h39\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.499.201<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y1748 w1a0 h39\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge </div></td><td class=\"c x374 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.878 </div></td><td class=\"c x375 y1748 w40 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-6.125 </div></td><td class=\"c x307 y1748 w36 h39\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-7.080 </div></td><td class=\"c x377 y1748 w37 h39\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">413</span> </div></td><td class=\"c x378 y1748 w36 h39\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-23.496 </div></td></tr><tr><td class=\"c x1dc y1749 w1a0 h37\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto </div></td><td class=\"c x374 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.095.063<span class=\"ls0\"> </span></div></td><td class=\"c x375 y1749 w40 h37\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">370.708<span class=\"ls0\"> </span></div></td><td class=\"c x307 y1749 w36 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">5.262<span class=\"ls0\"> </span></div></td><td class=\"c x377 y1749 w37 h37\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.671<span class=\"ls0\"> </span></div></td><td class=\"c x378 y1749 w36 h37\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">4.475.705<span class=\"ls0\"> </span></div></td></tr></table><div class=\"c w1a0 h71 gs300\"><div class=\"t m0 x90 h6 ya81 ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y333 ff5 fs2 fc2 sc0 ls0 ws0\">nanzgarantien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff5\"> </span></div></div><div class=\"c w36 h37 gs301\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h37 gs302\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs303\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3<span class=\"_ _128\"> </span> </div></div><div class=\"c w19f hcd gs304\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w19d hcd gs305\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w19e hcd gs306\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI<span class=\"_ _128\"> </span> </div></div><div class=\"c w19c hcd gs307\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs308\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs309\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">733.938<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs30a\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">224.989<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs30b\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">958.928<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h37 gs30c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs30d\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">543.937<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h37 gs30e\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">96.809<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs30f\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">640.747<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h37 gs310\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs311\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.507<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h37 gs312\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.782<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs313\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.290<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs314\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs315\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.957<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs316\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.957<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs317\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs318\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.280.383<span class=\"ls0\"> </span></div></div><div class=\"c w40 h39 gs319\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">338.581<span class=\"ls0\"> </span></div></div><div class=\"c w36 h39 gs31a\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">20.957<span class=\"ls0\"> </span></div></div><div class=\"c w36 h39 gs31b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.639.921<span class=\"ls0\"> </span></div></div><div class=\"c w1a0 h39 gs31c\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs31d\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-1.811<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs31e\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.800<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs31f\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-4.089<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs320\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.700<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h37 gs321\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs322\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.278.572<span class=\"ls0\"> </span></div></div><div class=\"c w40 h37 gs323\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">334.781<span class=\"ls0\"> </span></div></div><div class=\"c w36 h37 gs324\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">16.868<span class=\"ls0\"> </span></div></div><div class=\"c w36 h37 gs325\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.630.221<span class=\"ls0\"> </span></div></div><div class=\"c w1a0 h6f gs326\"><div class=\"t m0 x90 h6 y2eb ff5 fs2 fc2 sc0 ls0 ws0\">Ausfallsrisiko pro Bonit\u00e4tsstufe f\u00fcr Fi-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">nanzgarantien<span class=\"_ _128\"> </span> </div><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></div><div class=\"c w36 h39 gs327\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 1<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs328\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 2<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs329\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Stage 3<span class=\"_ _128\"> </span> </div></div><div class=\"c w19f h53 gs32a\"><div class=\"t m0 x13 h6 y9d2 ff5 fs2 fc2 sc0 ls2 ws0\">12<span class=\"ls0\">-M-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w19d h53 gs32b\"><div class=\"t m0 x10a h6 y9d2 ff5 fs2 fc2 sc0 ls1e ws0\">LT<span class=\"ls0\">-ECL<span class=\"_ _128\"> </span></span><span class=\"ls0\"> </span></div></div><div class=\"c w19e h53 gs32c\"><div class=\"t m0 x4a h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">POCI<span class=\"_ _128\"> </span> </div></div><div class=\"c w19c h53 gs32d\"><div class=\"t m0 x9f h6 y9d2 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs32e\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs32f\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">774.620<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs330\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.479<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs331\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">793.099<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs332\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Gut<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs333\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">493.753<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs334\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">72.366<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs335\"><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">566.119<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs336\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs337\"><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.883<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs338\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">27.495<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs339\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">30.378<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h38 gs33a\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Non performing<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h38 gs33b\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.473<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h38 gs33c\"><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.473<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h37 gs33d\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Brutto<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h37 gs33e\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.271.256<span class=\"ls0\"> </span></div></div><div class=\"c w40 h37 gs33f\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">118.340<span class=\"ls0\"> </span></div></div><div class=\"c w36 h37 gs340\"><div class=\"t m0 x4a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">11.473<span class=\"ls0\"> </span></div></div><div class=\"c w36 h37 gs341\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.401.070<span class=\"ls0\"> </span></div></div><div class=\"c w1a0 h39 gs342\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Risikovorsorge<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs343\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-2.259<span class=\"_ _128\"> </span> </div></div><div class=\"c w40 h39 gs344\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-3.024<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs345\"><div class=\"t m0 x15 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-9.652<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs346\"><div class=\"t m0 x37 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">-14.935<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a0 h39 gs347\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualobligo Netto<span class=\"_ _128\"> </span> </div></div><div class=\"c w36 h39 gs348\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.268.998<span class=\"ls0\"> </span></div></div><div class=\"c w40 h39 gs349\"><div class=\"t m0 x60 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">115.316<span class=\"ls0\"> </span></div></div><div class=\"c w36 h39 gs34a\"><div class=\"t m0 x42 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.821<span class=\"ls0\"> </span></div></div><div class=\"c w36 h39 gs34b\"><div class=\"t m0 x4f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.386.135<span class=\"ls0\"> </span></div></div><div class=\"c w3 h3 gs34c\"><div class=\"t m0 x3 h5 ya8b ff4 fs2 fc2 sc0 ls0 ws0\">Alle <span class=\"ff9\">finanziellen Verm\u00f6genswert<span class=\"_ _0\"></span>e, die nicht unter die Kategorie \u201enon<span class=\"_ _1\"></span></span>-<span class=\"ff9\">performing\u201c fallen, sind nicht mehr als 90 Tage \u00fcb<span class=\"_ _0\"></span>er-<span class=\"_ _128\"> </span></span></div><div class=\"t m0 x3 h5 ya8c ff4 fs2 fc2 sc0 ls0 ws0\">f\u00e4llig. Befinden sich die verbleibenden finan<span class=\"_ _0\"></span>ziellen Verm\u00f6genswerte in Verzug, so werd<span class=\"_ _0\"></span>en die jeweiligen KundInnen mit ih-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 ya8d ff4 fs2 fc2 sc0 ls0 ws0\">ren gesamten finanziellen Verm\u00f6gensw<span class=\"_ _0\"></span>erten in der nachstehenden Tab<span class=\"_ _0\"></span>elle als KundInnen in Verzug dargestellt.<span class=\"_ _0\"></span> </div></div><div class=\"c w1a2 h12 gs34d\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div><div class=\"t m0 xaa hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x68 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w1a2 h3b gs34e\"><div class=\"t m0 x90 h6 y93f ff5 fs2 fc2 sc0 ls0 ws0\">In Verzug seit<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 h3b gs34f\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forderungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b h3b gs350\"><div class=\"t m0 x13 h6 y2ec ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x9f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualverbindlichkeiten<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 h3b gs351\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 h12 gs352\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Unter 30 Tagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 h12 gs353\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">246.245<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b h12 gs354\"><div class=\"t m0 xac h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.822<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 h12 gs355\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">252.067<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 hc gs356\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs357\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.566<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b hc gs358\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">450<span class=\"ls0\"> </span></div></div><div class=\"c w1a3 hc gs359\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">11.015<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 hc gs35a\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs35b\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.155<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b hc gs35c\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">100<span class=\"ls0\"> </span></div></div><div class=\"c w1a3 hc gs35d\"><div class=\"t m0 x3a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.255<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 hc gs35e\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs35f\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">257.965<span class=\"ls0\"> </span></div></div><div class=\"c w17b hc gs360\"><div class=\"t m0 xac h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">6.372<span class=\"ls0\"> </span></div></div><div class=\"c w1a3 hc gs361\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">264.337<span class=\"ls0\"> </span></div></div><div class=\"c w3 h3 gs34c\"><div class=\"t m0 x3 h15 ya73 ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x1e h5 ya90 ff4 fs2 fc2 sc0 ls0 ws0\"> Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 y894 ff4 fs2 fc2 sc0 ls0 ws0\">sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y212 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w1a2 hc gs362\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div><div class=\"t m0 xaa hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div><div class=\"t m0 x68 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></div><div class=\"c w1a2 h3a gs363\"><div class=\"t m0 x90 h6 y34d ff5 fs2 fc2 sc0 ls0 ws0\">In Verzug seit<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 h3a gs364\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Kredite und Forderungen<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b h3a gs365\"><div class=\"t m0 x13 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Kreditrisiken aus Derivaten u.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x9f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Eventualverbindlichkeiten<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 h3a gs366\"><div class=\"t m0 x12 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 hc gs367\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Unter 30 Tagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs368\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">194.936<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b hc gs369\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">10.892<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs36a\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">205.828<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 hc gs36b\"><div class=\"t m0 x90 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">Zwischen 30 und<span class=\"_ _0\"></span> 60 Tagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs36c\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.227<span class=\"_ _128\"> </span> </div></div><div class=\"c w17b hc gs36d\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">386<span class=\"ls0\"> </span></div></div><div class=\"c w1a3 hc gs36e\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">17.613<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a2 hc gs36f\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Zwischen 60 und<span class=\"_ _0\"></span> 90 Tagen<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs370\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">670<span class=\"ls0\"> </span></div></div><div class=\"c w17b hc gs371\"><div class=\"t m0 x43 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></div><div class=\"c w1a3 hc gs372\"><div class=\"t m0 xad h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">681<span class=\"ls0\"> </span></div></div><div class=\"c w1a2 hc gs373\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt<span class=\"_ _128\"> </span> </div></div><div class=\"c w1a3 hc gs374\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">212.833<span class=\"ls0\"> </span></div></div><div class=\"c w17b hc gs375\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">11.290<span class=\"ls0\"> </span></div></div><div class=\"c w1a3 hc gs376\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">224.122<span class=\"ls0\"> </span></div></div><div class=\"c w3 h3 gs34c\"><div class=\"t m0 x3 h15 ya95 ff4 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x1e h5 ya96 ff4 fs2 fc2 sc0 ls0 ws0\"> Alle finanziellen Verm\u00f6genswerte, d<span class=\"_ _0\"></span>ie mehr als 90 Tage \u00fcberf\u00e4llig und au<span class=\"_ _0\"></span>fgrund \u00dcberbesicherung nicht wertgemindert<span class=\"_ _128\"> </span> </div><div class=\"t m0 x4 h5 ya61 ff4 fs2 fc2 sc0 ls0 ws0\">sind, sind bereits im non<span class=\"_ _0\"></span>-performing Segment der vorstehend<span class=\"_ _0\"></span>en Tabellen dargestellt.<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4ac ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h6 y4ad ff5 fs2 fc2 sc0 ls0 ws0\">Stundungen/Nachsicht (Forbearance)<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4ae ff4 fs2 fc2 sc0 ls0 ws0\">Stundungen und<span class=\"_ _0\"></span> andere Zugest\u00e4ndn<span class=\"_ _0\"></span>isse an KreditnehmerInnen werden in Situationen gew\u00e4hrt<span class=\"_ _0\"></span>, in denen angenommen<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4af ff4 fs2 fc2 sc0 ls0 ws0\">wird, dass die KreditnehmerInnen die Kreditb<span class=\"_ _0\"></span>edingungen aufgrund ihrer aktuellen finanziellen Situat<span class=\"_ _0\"></span>ion nicht erf\u00fcllen k\u00f6n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 ydf ff4 fs2 fc2 sc0 ls0 ws0\">nen. Basierend au<span class=\"_ _0\"></span>f den Ursachen dieser Schwierigkeiten ent<span class=\"_ _0\"></span>scheidet die Oberban<span class=\"_ _0\"></span>k AG, die Kreditbedingungen derart zu<span class=\"_ _0\"></span> \u00e4n-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y4b0 ff4 fs2 fc2 sc0 ls0 ws0\">dern, dass die KreditnehmerInnen gen\u00fc<span class=\"_ _0\"></span>gend Spielraum hab<span class=\"_ _0\"></span>en, die Schulden zu begleichen oder die Oberbank AG schuld<span class=\"_ _0\"></span>et<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4b1 ff4 fs2 fc2 sc0 ls0 ws0\">zu diesem Zweck den Kredit (gan<span class=\"_ _0\"></span>z oder teilweise) um.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y4b2 ff4 fs2 fc2 sc0 ls0 ws0\">Vorab wird gepr\u00fc<span class=\"_ _0\"></span>ft, ob ein Ausfallstatbestand vorliegt. Ist dies der Fall, werd<span class=\"_ _0\"></span>en die KundInnen auf non<span class=\"_ _1\"></span>-performing gestellt<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y4b3 ff4 fs2 fc2 sc0 ls0 ws0\">und eine Risikovorsor<span class=\"_ _0\"></span>ge entsprechend der in Note 2.7) beschriebenen Met<span class=\"_ _0\"></span>hodik gebildet.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y3b1 ff4 fs2 fc2 sc0 ls0 ws0\">Liegt kein Ausfallstatbest<span class=\"_ _0\"></span>and vor und ergibt die eingehende Pr<span class=\"_ _0\"></span>\u00fcfung der wirtschaftlichen Lage, dass mit einer gew\u00e4h<span class=\"_ _0\"></span>rten<span class=\"_ _128\"> </span> </div><div class=\"t m0 x3 h5 y7d8 ff4 fs2 fc2 sc0 ls0 ws0\">Ma\u00dfnahme k\u00fcnftig d<span class=\"_ _0\"></span>ie finanziellen Verpflichtungen gesichert erf\u00fcllt<span class=\"_ _0\"></span> werden k\u00f6nnen, d\u00fcrfen eine Stundun<span class=\"_ _0\"></span>g oder andere Zu-<span class=\"_ _128\"> </span></div><div class=\"t m0 x3 h5 y7d9 ff4 fs2 fc2 sc0 ls0 ws0\">gest\u00e4ndnisse gew\u00e4hrt w<span class=\"_ _0\"></span>erden. <span class=\"_ _7\"> </span> </div></div>Werden mit KundInn<span class=\"_ _0\"></span>en in Zahlungsschwierigkeiten Vereinb<span class=\"_ _0\"></span>arungen in einer Form getroffen, wie sie bei Neueinr\u00e4umun<span class=\"_ _0\"></span>gen<span class=\"_ _128\"> </span>\u00fcblicherweise nicht erfolgen, wird d<span class=\"_ _0\"></span>as betreffende Obligo mit Nachsicht gekennzeichnet.<span class=\"_ _0\"></span> Wurden Stundungen au<span class=\"_ _0\"></span>f Basis staatlich verf\u00fcgter Moratorien oder pr<span class=\"_ _0\"></span>ivater EBA<span class=\"_ _0\"></span>-konformer Moratorien gew\u00e4h<span class=\"_ _0\"></span>rt, wurden<span class=\"_ _128\"> </span>diese gem. <span class=\"ffd\">EBA Leitlinie zu gesetzlichen M<span class=\"_ _0\"></span>oratorien und Moratorien ohne Gesetzesform f\u00fcr Darlehens<span class=\"_ _0\"></span>zahlungen vor dem<span class=\"_ _128\"> </span></span>Hintergrund der COVID<span class=\"_ _0\"></span>-<span class=\"ls2\">19</span>-Krise<span class=\"ff4\"> grund<span class=\"_ _0\"></span>s\u00e4tzlich nicht als Nachsicht gekennzeichnet. In Einzelf\u00e4llen, insb<span class=\"_ _0\"></span>esondere bei wieder-<span class=\"_ _128\"> </span></span>holter, aktiver Inanspruchnah<span class=\"_ _0\"></span>me des Moratoriums durch den Kunden, wurde allerdings nach in<span class=\"_ _0\"></span>terner Pr\u00fcfung von dieser<span class=\"_ _128\"> </span>M\u00f6glichkeit nicht Gebrauch gemacht u<span class=\"_ _0\"></span>nd die Gesch\u00e4<span class=\"_ _0\"></span>fte wurden trotzdem mit Nachsicht gekenn<span class=\"_ _0\"></span>zeichnet.<span class=\"_ _128\"> </span>Das Monitoring von Stundungen erfo<span class=\"_ _0\"></span>lgt im Rahmen des 90<span class=\"_ _0\"></span>-Tage-Eskalationsp<span class=\"_ _0\"></span>rozesses. F\u00fchrt die Gew\u00e4hrung einer Stundung<span class=\"_ _128\"> </span>nicht zum gew\u00fcn<span class=\"_ _0\"></span>schten Ergebnis (Wiederaufnahme der vertragskonformen Bedienun<span class=\"_ _0\"></span>g des Kredit<span class=\"_ _0\"></span>s nach Stundung), wird<span class=\"_ _0\"></span> durch den 90-Tage-Eskalat<span class=\"_ _0\"></span>ionsprozess das Ratingsigel auf no<span class=\"_ _0\"></span>n-performin<span class=\"_ _0\"></span>g gestellt und bei Vorliegen einer Unterdeckung<span class=\"_ _128\"> </span>eine Risikovorsorge gebildet.<span class=\"_ _0\"></span> Ist bei einem bereits mit Nachsicht gekenn<span class=\"_ _0\"></span>zeichneten Obligo eine weitere Nachsichts<span class=\"_ _1\"></span>ma\u00dfnahme erforderlich, erfolgt eben-<span class=\"_ _128\"> </span>falls eine Umstellung auf non<span class=\"_ _0\"></span>-performing.<span class=\"_ _128\"> </span>Eine Verschleierung von not<span class=\"_ _0\"></span>leidenden Krediten durch die Gew\u00e4hrung von Stundungen o<span class=\"_ _0\"></span>der anderen Formen von Vertrags-<span class=\"_ _128\"> </span>zugest\u00e4ndnissen ist durch d<span class=\"_ _0\"></span>iese Vorgehensweise<span class=\"_ _0\"></span> ausgeschlossen.<span class=\"_ _128\"> </span>Di<span class=\"ls0\">e in der Berichtsperiode gew\u00e4hrten<span class=\"_ _0\"></span> Ma\u00dfnahmen sind in der nachstehend<span class=\"_ _0\"></span>en Tabelle dargestellt.<span class=\"_ _0\"></span> </span><table class=\"s w45f h215\" id=\"_b79f94b2-ac37-485f-96a2-7ed8082a292c\"><tr><td class=\"c x2c8 y1775 w460 h210\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stundungen/Nach-<span class=\"_ _128\"> </span></div></td><td class=\"c x37f y1775 w461 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Aus Kennzeich-<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x380 y1775 w462 h210\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Neu als Stun-<span class=\"_ _128\"> </span></div></td><td class=\"c x381 y1775 w463 h210\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">In der Berichts-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1776 w464 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sichtma\u00dfnahmen<span class=\"_ _128\"> </span></div></td><td class=\"c x382 y1776 w410 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td class=\"c x37f y1776 w465 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nung Nachsicht<span class=\"_ _128\"> </span></div></td><td class=\"c x383 y1776 w466 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">R\u00fcckgang<span class=\"_ _128\"> </span></div></td><td class=\"c x384 y1776 w467 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">dungen/Nach-<span class=\"_ _128\"> </span></div></td><td class=\"c x385 y1776 w413 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Stand<span class=\"_ _128\"> </span></div></td><td class=\"c x386 y1776 w468 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">periode verein-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1777 w270 h158\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td class=\"c x387 y1777 w2f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"_ _128\"> </span></div></td><td class=\"c x388 y1777 w469 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">gesundet<span class=\"_ _128\"> </span></div></td><td class=\"c x38a y1777 w46a h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Volumen</div><div class=\"t m0 x389 hc2 y1630 ff5 fs5 fc2 sc0 ls16 ws0\">1)<span class=\"_ _128\"> </span></div></td><td class=\"c x38b y1777 w46b h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">sicht betrachtet<span class=\"_ _128\"> </span></div></td><td class=\"c x38c y1777 w2f5 h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"_ _128\"> </span></div></td><td class=\"c x38d y1777 w46c h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">nahmte Zinsen<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1778 w1a5 h3b\"><div class=\"t m0 x90 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">Verl\u00e4ngerung Kredit<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">laufzeit </div></td><td class=\"c x38e y1778 waf h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">50.008 </div></td><td class=\"c x38f y1778 we h3b\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.425 </div></td><td class=\"c x390 y1778 w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.816 </div></td><td class=\"c x34b y1778 wf8 h3b\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">52.265 </div></td><td class=\"c x1e3 y1778 w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">81.031 </div></td><td class=\"c x30f y1778 w173 h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.748 </div></td></tr><tr><td class=\"c x2c6 y1779 w1a5 h12\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Stundung </div></td><td class=\"c x38e y1779 waf h12\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">242.384 </div></td><td class=\"c x38f y1779 we h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.406 </div></td><td class=\"c x390 y1779 w56 h12\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">57.887 </div></td><td class=\"c x34b y1779 wf8 h12\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">63.442 </div></td><td class=\"c x1e3 y1779 w56 h12\"><div class=\"t m0 x5a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">208.533 </div></td><td class=\"c x30f y1779 w173 h12\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8.779 </div></td></tr><tr><td class=\"c x2c8 y177a w46d h151\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">Verzicht sonstige<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y177b w46e h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">vertragliche Rechte<span class=\"_ _128\"> </span></div></td><td class=\"c x38e y177c waf h3b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">7.399 </div></td><td class=\"c x38f y177c we h3b\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">374<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177c w56 h3b\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.735 </div></td><td class=\"c x34b y177c wf8 h3b\"><div class=\"t m0 xc h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">16.631 </div></td><td class=\"c x1e3 y177c w56 h3b\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">18.921 </div></td><td class=\"c x30f y177c w173 h3b\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">709<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y177d w1a5 hc\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Umschuldung </div></td><td class=\"c x38e y177d waf hc\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">21.381 </div></td><td class=\"c x38f y177d we hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.122 </div></td><td class=\"c x390 y177d w56 hc\"><div class=\"t m0 x5b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">6.011 </div></td><td class=\"c x34b y177d wf8 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.949 </div></td><td class=\"c x1e3 y177d w56 hc\"><div class=\"t m0 x2b h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">20.197 </div></td><td class=\"c x30f y177d w173 hc\"><div class=\"t m0 x3b h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">806<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y177e w1a5 h2a\"><div class=\"t m0 x90 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Sonstige </div></td><td class=\"c x38e y177e waf h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">728<span class=\"ls0\"> </span></div></td><td class=\"c x38f y177e we h2a\"><div class=\"t m0 x9 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">239<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177e w56 h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">231<span class=\"ls0\"> </span></div></td><td class=\"c x34b y177e wf8 h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">23<span class=\"ls0\"> </span></div></td><td class=\"c x1e3 y177e w56 h2a\"><div class=\"t m0 x11 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">281<span class=\"ls0\"> </span></div></td><td class=\"c x30f y177e w173 h2a\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x2c6 y177f w1a5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x38e y177f waf hc\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x38f y177f we hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">45.567<span class=\"ls0\"> </span></div></td><td class=\"c x390 y177f w56 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">85.679<span class=\"ls0\"> </span></div></td><td class=\"c x34b y177f wf8 hc\"><div class=\"t m0 x3f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">138.311<span class=\"ls0\"> </span></div></td><td class=\"c x1e3 y177f w56 hc\"><div class=\"t m0 x5a h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x30f y177f w173 hc\"><div class=\"t m0 x10 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">13.050<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1780 w3 h3\"><div class=\"t m0 x3 h16 ya9b ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y24 ff4 fs4 fc2 sc0 ls0 ws0\"> wegen R\u00fcck<span class=\"_ _5\"></span>zahlungen, Tilgungen<span class=\"_ _5\"></span> </div><div class=\"t m0 x3 h5 ya9c ff4 fs2 fc2 sc0 ls0 ws0\"> </div><div class=\"t m0 x3 h5 y39f ff4 fs2 fc2 sc0 ls0 ws0\">Das Volumen der von Stundungen u<span class=\"_ _0\"></span>nd anderen Nachsichtsma\u00dfnahmen b<span class=\"_ _0\"></span>etroffenen <span class=\"_ _0\"></span>Gesch\u00e4fte w<span class=\"_ _0\"></span>ird in der folgenden Tabelle </div><div class=\"t m0 x3 h5 y1f4 ff4 fs2 fc2 sc0 ls0 ws0\">nach Bonit\u00e4tsstufen au<span class=\"_ _0\"></span>fgeteilt und den getroffenen Risikovorsorgen sowie d<span class=\"_ _0\"></span>en Sicherheiten gegen\u00fcbergestellt.<span class=\"_ _0\"></span> </div><div class=\"t m0 x3 h5 y1f5 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w46f h216\" id=\"_703901f5-0722-4197-9490-76a02350380a\"><tr><td class=\"c x2c8 y1781 w44e h191\" colspan=\"2\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td class=\"c x391 y1781 w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y1782 w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y1783 w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y1783 w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y1782 w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y1784 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y1784 w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">125<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1784 w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y1784 w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">39<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y1785 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y1785 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">128.780 </div></td><td class=\"c x393 y1785 w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">353<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1785 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.224 </div></td></tr><tr><td class=\"c x2c6 y1786 w1a6 h12\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y1786 w19 h12\"><div class=\"t m0 xc0 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">42.577 </div></td><td class=\"c x393 y1786 w17b h12\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">423<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1786 w1a3 h12\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">35.438 </div></td></tr><tr><td class=\"c x2c6 y1787 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1787 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">157.481 </div></td><td class=\"c x393 y1787 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">48.081 </div></td><td class=\"c x395 y1787 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">62.276 </div></td></tr><tr><td class=\"c x2c6 y1788 w1a6 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1788 w19 h12\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">328.964<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1788 w17b h12\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">48.858<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1788 w1a3 h12\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">166.976<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 y4e2 ff4 fs6 fc2 sc0 ls8 ws0\">1)</div><div class=\"t m0 x1e h17 y8bf ff4 fs4 fc2 sc0 ls0 ws0\"> Die bei<span class=\"_ _5\"></span> den perfor<span class=\"_ _5\"></span>ming Kategorien dargest<span class=\"_ _5\"></span>ellten Ri<span class=\"_ _5\"></span>sikovorsorgen r<span class=\"_ _5\"></span>esultieren aus <span class=\"_ _5\"></span>den Risiko<span class=\"_ _5\"></span>vorsorgen f\u00fcr ECL nach <span class=\"_ _5\"></span>IFRS 9. </div><div class=\"t m0 x3 h5 yaa2 ff4 fs2 fc2 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x2c8 y178a w44e h191\"><div class=\"t m0 x177 h6 y109e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x391 y178a w470 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Besicherter Forderungs-<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c8 y178b w3ef h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Bonit\u00e4tsstufen<span class=\"_ _128\"> </span></div></td><td class=\"c x392 y178c w19 h3b\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Forderungswert </div></td><td class=\"c x393 y178c w17b h3b\"><div class=\"t m0 xd4 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Risikovorsorgen<span class=\"_ _128\"> </span></div><div class=\"t m0 x19 hc2 ye9 ff5 fs5 fc2 sc0 ls16 ws0\">1)</div><div class=\"t m0 x12f h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\"> </div></td><td class=\"c x394 y178b w369 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">wert<span class=\"_ _128\"> </span></div></td></tr><tr><td class=\"c x2c6 y178d w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Sehr gut </div></td><td class=\"c x392 y178d w19 hc\"><div class=\"t m0 xbd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">112<span class=\"ls0\"> </span></div></td><td class=\"c x393 y178d w17b hc\"><div class=\"t m0 x19 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1 </div></td><td class=\"c x395 y178d w1a3 hc\"><div class=\"t m0 xf5 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">98<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x2c6 y178e w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Gut </div></td><td class=\"c x392 y178e w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.356 </div></td><td class=\"c x393 y178e w17b hc\"><div class=\"t m0 x111 h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">561<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178e w1a3 hc\"><div class=\"t m0 x6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">114.120 </div></td></tr><tr><td class=\"c x2c6 y178f w1a6 h12\"><div class=\"t m0 x90 h5 yaa6 ff4 fs2 fc2 sc0 ls0 ws0\">Mangelhaft </div></td><td class=\"c x392 y178f w19 h12\"><div class=\"t m0 xc0 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">41.982 </div></td><td class=\"c x393 y178f w17b h12\"><div class=\"t m0 x111 h5 y9d9 ff4 fs2 fc2 sc0 ls2 ws0\">438<span class=\"ls0\"> </span></div></td><td class=\"c x395 y178f w1a3 h12\"><div class=\"t m0 x73 h5 y9d9 ff4 fs2 fc2 sc0 ls0 ws0\">24.500 </div></td></tr><tr><td class=\"c x2c6 y1790 w1a6 hc\"><div class=\"t m0 x90 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">Non-performing </div></td><td class=\"c x392 y1790 w19 hc\"><div class=\"t m0 x50 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">137.449 </div></td><td class=\"c x393 y1790 w17b hc\"><div class=\"t m0 x12c h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.307 </div></td><td class=\"c x395 y1790 w1a3 hc\"><div class=\"t m0 x73 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">69.047 </div></td></tr><tr><td class=\"c x2c6 y1791 w1a6 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x392 y1791 w19 hc\"><div class=\"t m0 x50 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">321.899<span class=\"ls0\"> </span></div></td><td class=\"c x393 y1791 w17b hc\"><div class=\"t m0 x12c h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">41.308<span class=\"ls0\"> </span></div></td><td class=\"c x395 y1791 w1a3 hc\"><div class=\"t m0 x6 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">207.765<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x199 y1789 w3 h3\"><div class=\"t m0 x3 h16 yaa9 ff4 fs6 fc2 sc0 ls0 ws0\">1) </div><div class=\"t m0 x31 h17 yaaa ff4 fs4 fc2 sc0 ls0 ws0\">Die bei d<span class=\"_ _5\"></span>en perfor<span class=\"_ _5\"></span>ming Kategorien dar<span class=\"_ _5\"></span>gestellt<span class=\"_ _5\"></span>en Risikovor<span class=\"_ _5\"></span>sorgen resultiere<span class=\"_ _5\"></span>n aus den R<span class=\"_ _5\"></span>isikovorsorgen <span class=\"_ _5\"></span>f\u00fcr ECL nach IFRS 9. <span class=\"_ _7\"> </span> </div></td><td></td><td></td><td></td></tr></table>Nachhaltigkeitsrisiko als integrierter Bestandteil des<span class=\"_ _0\"></span> Kreditrisikos<span class=\"_ _0\"></span> Das Thema Nachhaltigkeit ist aus Sicht d<span class=\"_ _0\"></span>er Oberbank AG auch untrennbar mit dem Man<span class=\"_ _0\"></span>agemen<span class=\"_ _0\"></span>t der Kreditrisiken einer<span class=\"_ _128\"> </span>Bank verbunden<span class=\"_ _0\"></span>. Nachhaltigkeitsrisiken k\u00f6nnen erhebliche negative Ausw<span class=\"_ _0\"></span>irkungen auf die KreditnehmerInnen der Oberbank<span class=\"_ _128\"> </span>AG und damit in der Folge auf das Kred<span class=\"_ _0\"></span>itrisiko haben. Unter klimabedingte Nachh<span class=\"_ _0\"></span>altigkeitsrisiken fallen zum ein<span class=\"_ _0\"></span>en ph<span class=\"_ _0\"></span>ysische<span class=\"_ _128\"> </span>Risiken wie extreme Wetterereignisse, welche durch d<span class=\"_ _0\"></span>en Klimawandel beg\u00fcnstigt werden und<span class=\"_ _0\"></span> schwere (auch finanzielle)<span class=\"_ _128\"> </span>Sch\u00e4den anrichten<span class=\"_ _0\"></span> k\u00f6nnen. Auch k\u00f6nnen klimabedingte Katastroph<span class=\"_ _0\"></span>en beispielsweise Lieferketten unterbrechen oder Ge-<span class=\"_ _128\"> </span>sch\u00e4ftsmodelle aufgru<span class=\"_ _0\"></span>nd ge\u00e4nderter Umweltbedingungen zerst\u00f6ren. Weiters k\u00f6nn<span class=\"_ _0\"></span>ten k\u00fcnftig Unternehmen vermehrt f\u00fcr<span class=\"_ _128\"> </span>Klima-sch\u00e4dliches Verhalten zur<span class=\"_ _0\"></span> Verantwortung gezogen werden, was zu s<span class=\"_ _0\"></span>chwerwiegenden finanziellen Folgen f\u00fcr die be-<span class=\"_ _128\"> </span>troffenen Unterneh<span class=\"_ _0\"></span>men f\u00fchren kann. Ein wei<span class=\"_ _0\"></span>terer Aspekt besteht darin, dass Unternehmen dur<span class=\"_ _0\"></span>ch klimabedingte Transiti-<span class=\"_ _128\"> </span>onsrisiken schwer betroffen sein k\u00f6nnen. <span class=\"_ _0\"></span>\u00c4nderungen in Politik (z. B. CO2<span class=\"_ _0\"></span>-Steuern) od<span class=\"_ _0\"></span>er Technologiever\u00e4nderungen (z. <span class=\"_ _0\"></span>B.<span class=\"_ _128\"> </span>Elektromobilit\u00e4t) k\u00f6nnen zur Gefahr f\u00fcr<span class=\"_ _0\"></span> nicht angepasste Untern<span class=\"_ _0\"></span>ehmen w<span class=\"_ _0\"></span>erden. Das steigende Bewusstsein f\u00fcr Klimaschutz<span class=\"_ _128\"> </span>und sich \u00e4ndernde gesellschaftliche E<span class=\"_ _0\"></span>rwartungen f\u00fchr<span class=\"_ _0\"></span>en m\u00f6glicherweise zu einer erheblichen Ver\u00e4nderung des Kon<span class=\"_ _0\"></span>sumver-<span class=\"_ _128\"> </span>haltens. Auch Nachhalt<span class=\"_ _0\"></span>igkeitsrisiken in den Bereichen Soziales und<span class=\"_ _0\"></span> Unternehmensf\u00fchru<span class=\"_ _0\"></span>ng k\u00f6nnen negat<span class=\"_ _0\"></span>ive Auswirkungen<span class=\"_ _128\"> </span>auf Verm\u00f6gens-, Finan<span class=\"_ _0\"></span>z und Ertragslage eines Unternehmens haben<span class=\"_ _0\"></span>. So k\u00f6nnen zum Beispiel schlagend werd<span class=\"_ _0\"></span>ende Reputati-<span class=\"_ _128\"> </span>onsrisiken den V<span class=\"_ _0\"></span>erkauf der produzierten Produkte behindern. Es liegt dah<span class=\"_ _0\"></span>er auf der Hand, dass die Oberban<span class=\"_ _0\"></span>k AG<span class=\"_ _1\"></span> den Nach-<span class=\"_ _128\"> </span>haltigkeitsrisiken bei der Steuerun<span class=\"_ _0\"></span>g des Kreditgesch\u00e4ftes gro\u00dfe Beachtung schen<span class=\"_ _0\"></span>kt. Aus diesem Grund wurden in den letzten<span class=\"_ _128\"> </span>Jahren wesentliche Ver\u00e4nderu<span class=\"_ _0\"></span>ngen im Kredit- u<span class=\"_ _0\"></span>nd Ratingprozess der Oberbank AG <span class=\"_ _0\"></span>vorgenommen, um die Transparenz und<span class=\"_ _128\"> </span>Steuerung d<span class=\"_ _0\"></span>er Nachhaltigkeitsrisiken zu verbessern.  Bei der Bonit\u00e4tseinstu<span class=\"_ _0\"></span>fung unserer KundInnen flie\u00dfen Nachhaltigkeitsrisiken bei der Beurt<span class=\"_ _0\"></span>eilung ESG<span class=\"_ _0\"></span>-relevanter Softfact<span class=\"_ _0\"></span>s<span class=\"_ _128\"> </span>(Gesch\u00e4ftsmodell, Abh<span class=\"_ _0\"></span>\u00e4ngigkeit externer Faktoren) in das Kundenratin<span class=\"_ _0\"></span>g ein. Die im 2. Halbjah<span class=\"_ _0\"></span>r 2021 neu eingef\u00fchrten<span class=\"_ _0\"></span> sechs<span class=\"_ _128\"> </span>ESG-Softfacts dienen zu<span class=\"_ _0\"></span>r systematischeren Beurteilung d<span class=\"_ _0\"></span>er Risiken des bestehenden Gesch\u00e4ftsmodells und zu<span class=\"_ _0\"></span>r Datensamm-<span class=\"_ _128\"> </span>lung f\u00fcr die drei Bereiche E (Environ<span class=\"_ _0\"></span>ment), S (Social) und G (Governan<span class=\"_ _0\"></span>ce).<span class=\"_ _128\"> </span>Die Ber\u00fccksichtigung von<span class=\"_ _0\"></span> ESG-Risiken im Kreditentscheidun<span class=\"_ _0\"></span>gsprozess wurde durch die Ein<span class=\"_ _0\"></span>f\u00fchrung des Climecycle-T<span class=\"_ _0\"></span>ools weit-<span class=\"_ _128\"> </span>gehend automatisiert. D<span class=\"_ _0\"></span>as von der KPMG entwickelte Tool ermittelt f\u00fcr alle Kreditkunden der Oberban<span class=\"_ _0\"></span>k AG ein Nachhaltig-<span class=\"_ _128\"> </span>keits-Scoring, welches unmitt<span class=\"_ _0\"></span>elbar in die Kreditentsch<span class=\"_ _0\"></span>eidung einflie\u00dft. Im Rahmen der Gesamtb<span class=\"_ _0\"></span>ankrisikosteuerung werden die Nachhaltigkeitsrisiken im Kreditportefeuille der Oberban<span class=\"_ _0\"></span>k AG min-<span class=\"_ _128\"> </span>destens zweimal pro Jahr evalu<span class=\"_ _0\"></span>iert in Form einer Nachhaltigkeitsrisiko<span class=\"_ _0\"></span>-Heatmap dargestellt. Die Heatmap wird im A<span class=\"_ _0\"></span>ktiv<span class=\"_ _0\"></span>-<span class=\"ls7\">Pas-<span class=\"_ _128\"> </span></span>s<span class=\"ls1d\">iv</span>-Management Gr<span class=\"_ _0\"></span>emium der Bank, das vom Risikovorstand der Bank geleitet w<span class=\"_ _0\"></span>ird, pr\u00e4sentiert. Dar\u00fcber hinaus wird sie<span class=\"_ _128\"> </span>auch dem Aufsichtsrat<span class=\"_ _0\"></span> im Risikoausschuss vorgelegt.<span class=\"_ _128\"> </span>Bei der Risikoeinstufun<span class=\"_ _0\"></span>g wurden sowohl Klima-, a<span class=\"_ _0\"></span>ls auch Sozial- und<span class=\"_ _0\"></span> Governance-Risiken ber\u00fccksichtigt, w<span class=\"_ _0\"></span>obei die Klimarisiken den gr\u00f6\u00dften<span class=\"_ _0\"></span> Einfluss auf die Gesamtrisikobewertung hab<span class=\"_ _0\"></span>en. F\u00fcr die Bewertung wurden qualitative und <span class=\"_ _1\"></span> quantitative Information<span class=\"_ _0\"></span>en aus externen und \u00f6ffentlich verf\u00fcgbaren Datenquellen (wie beisp<span class=\"_ _0\"></span>ielsweise EUROSTAT, SASB<span class=\"_ _128\"> </span>(S<span class=\"ff9 ls0\">ustainability Account<span class=\"_ _0\"></span>ing Standards Board), FIRST (\u201eFinancial Inst<span class=\"_ _0\"></span>itutions: Resources, Solutions and Tools\u201c), <span class=\"_ _0\"></span>EU<span class=\"_ _0\"></span><span class=\"ff4\">-Kommission<span class=\"_ _128\"> </span></span></span>(Art. 8 &amp; 9 Taxono<span class=\"_ _0\"></span>my Technical Annex) sowie Weltbank (Thin<span class=\"_ _0\"></span>kHazard!)) verwendet. So kann die sektorale un<span class=\"_ _0\"></span>d regionale Risi-<span class=\"_ _128\"> </span>koexposition un<span class=\"_ _0\"></span>serer KundInnen im Hinblick auf die physischen Risiken (direkt<span class=\"_ _0\"></span>e Folgen des Klimawandels wie z.B. vermehrt<span class=\"_ _0\"></span> auftretende Naturkatastroph<span class=\"_ _0\"></span>en) und auf die Transitionsrisiken (Risiken, die du<span class=\"_ _0\"></span>rch den Anpassungsprozess au<span class=\"_ _0\"></span>f eine klima-<span class=\"_ _128\"> </span>neutrale Wirtschaft und Gesellsch<span class=\"_ _0\"></span>aft entsteh<span class=\"_ _0\"></span>en wie z. B. Preisanstiege durch CO2<span class=\"_ _0\"></span>-Steuern) eingesch\u00e4tzt w<span class=\"_ _0\"></span>erden. In folgen-<span class=\"_ _128\"> </span>der Grafik wird der Zusammenhang zwischen<span class=\"_ _0\"></span> H\u00f6he des Nachhaltigkeitsrisikos und Sekto<span class=\"_ _0\"></span>r im Kreditportfolio der Oberban<span class=\"_ _0\"></span>k<span class=\"_ _128\"> </span>AG dargestellt. Die L\u00e4nge der Balken beschreibt<span class=\"_ _0\"></span> d<span class=\"_ _0\"></span>as durchschnittliche volumensgewichtete Risiko. D<span class=\"_ _0\"></span>ie Schwankungsbreite<span class=\"_ _128\"> </span>des Risikos innerhalb eines Sektors (M<span class=\"_ _0\"></span>inimum/Maximum), die sich durch d<span class=\"_ _0\"></span>ie regionalen Unterschiede und die Subbran<span class=\"_ _0\"></span>chen<span class=\"_ _128\"> </span>ergibt, wird durch die schwarzen Balken d<span class=\"_ _0\"></span>argestellt. <span class=\"_ _7\"> </span> Nachhaltigkeitsrisiko im Kreditportfolio der Ober<span class=\"_ _0\"></span>bank AG<span class=\"_ _128\"> </span>Insgesamt ist das Kreditport<span class=\"_ _0\"></span>folio der Oberbank AG nur unterdurchschnittlichen Nachh<span class=\"_ _0\"></span>altigkeitsrisiken ausgesetzt. Bei den<span class=\"_ _128\"> </span>physischen Risiken erkl\u00e4rt sich dies dur<span class=\"_ _0\"></span>ch unser regionales Gesch\u00e4ftsmodell in Zentr<span class=\"_ _0\"></span>aleuropa; bei den Transitionsrisiken<span class=\"_ _128\"> </span>dadurch, dass d<span class=\"_ _0\"></span>er Anteil der st\u00e4rker betroffenen Branchen und Sektoren im Gesamtkred<span class=\"_ _0\"></span>itvolumen in der Oberbank AG un-<span class=\"_ _128\"> </span>terrepr\u00e4sentiert ist.<span class=\"_ _128\"> </span>Verteilung des Forderungsvolumens der Oberbank AG nach I<span class=\"_ _0\"></span>nstituts-<span class=\"_ _0\"></span>intern definierten ESG<span class=\"_ _0\"></span>-Risikoklassen<span class=\"_ _128\"> </span>Nachhaltigkeitsrisiko-<span class=\"ls35\">He</span>atmap der Oberbank AG<span class=\"_ _0\"></span><span class=\"ff4\"> </span>Unsere Nachhaltigkeitsrisiko<span class=\"_ _0\"></span>-Heatmap veransch<span class=\"_ _0\"></span>aulicht die Nachhaltigkeitsrisiken, denen die Oberbank A<span class=\"_ _0\"></span>G in den einzelnen<span class=\"_ _128\"> </span>Regionen bzw. Sektoren (lt<span class=\"_ _0\"></span>. NACE Codes) ausgesetzt ist. Die Regionen umfassen die Niederlassun<span class=\"_ _0\"></span>gsl\u00e4nder der Ober<span class=\"_ _1\"></span>bank AG,<span class=\"_ _128\"> </span>sowie eine Restposition, d<span class=\"_ _0\"></span>ie sich zu einem gro\u00dfen Teil aus den f\u00fcr die Liquid<span class=\"_ _0\"></span>it\u00e4tssteuerung notwendigen hochliquiden A<span class=\"_ _0\"></span>kti-<span class=\"_ _128\"> </span>ven zusammensetzt. Die Farb<span class=\"_ _0\"></span>e der Punkte in der Heatmap stellt die Risikoeinstu<span class=\"_ _0\"></span>fung dar, die Gr\u00f6\u00dfe der Punkte die H\u00f6he des<span class=\"_ _128\"> </span>Exposures der Oberb<span class=\"_ _0\"></span>ank AG in diesem Bereich.<span class=\"_ _128\"> </span>44) Beteiligungsrisiko<span class=\"_ _128\"> </span>Als Beteiligungsrisiko wird der potenzielle Wertverlust a<span class=\"_ _0\"></span>ufgrund von Dividendenausfall, Wertminderu<span class=\"_ _0\"></span>ng oder Ver\u00e4u\u00dferungs-<span class=\"_ _128\"> </span>verlust sowie die Reduktion d<span class=\"_ _0\"></span>er stillen Reserven durch die Gefahr einer <span class=\"_ _0\"></span>ent<span class=\"_ _0\"></span>sprechend negativen wirtschaftlichen Entw<span class=\"_ _0\"></span>ick-<span class=\"_ _128\"> </span>lung bezeichnet.<span class=\"_ _128\"> </span>Die Anteile an den Schwest<span class=\"_ _0\"></span>erbanken BKS und BTV, mit denen die Oberbank AG <span class=\"_ _0\"></span>die 3 Banken Gruppe bildet, sind d<span class=\"_ _0\"></span>ie <span class=\"_ _0\"></span> wichtigsten Beteiligungen der Oberban<span class=\"_ _0\"></span>k AG. Die Beteiligungspolitik der Oberbank A<span class=\"_ _0\"></span>G ist darauf ausgerichtet, bank<span class=\"_ _1\"></span>- und ver-<span class=\"_ _128\"> </span>triebsnahe Beteiligungen dan<span class=\"_ _0\"></span>n einzugehen, wenn d<span class=\"_ _0\"></span>iese dem Bankgesch\u00e4ft dienlich sind, a<span class=\"_ _0\"></span>lso deren T\u00e4tigkeit in direkter Ver-<span class=\"_ _128\"> </span>l\u00e4ngerung zur Bankt\u00e4tigkeit steht<span class=\"_ _0\"></span> oder eine Hilfst\u00e4tigkeit in Bezug auf diese dar<span class=\"_ _0\"></span>stellt. In dieses Segment fallen un<span class=\"_ _0\"></span>ter ander<span class=\"_ _1\"></span>en<span class=\"_ _128\"> </span>die Beteiligungen der Oberban<span class=\"_ _0\"></span>k AG an der 3 Banken<span class=\"_ _0\"></span>-Generali Investment-Gesellschaft m.b.H., <span class=\"_ _0\"></span>an der 3 Banken IT G<span class=\"_ _0\"></span>mbH und<span class=\"_ _128\"> </span>an der Oberbank Service GmbH.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Weiters finden sich die strategischen Beteiligungen an d<span class=\"_ _0\"></span>er voestalpine AG und an der En<span class=\"_ _0\"></span>ergie AG Ober\u00f6sterreich im <span class=\"_ _0\"></span> Beteiligungsportfolio<span class=\"_ _0\"></span> der Oberbank AG. Eine dar\u00fcberh<span class=\"_ _0\"></span>inausgehende aktive Industriebeteiligungspolitik ent<span class=\"_ _0\"></span>spricht nicht der<span class=\"_ _128\"> </span>Philosophie der Oberban<span class=\"_ _0\"></span>k AG. Dar\u00fcber hinaus h\u00e4lt die Oberbank AG rein wirtsch<span class=\"_ _0\"></span>aftlich orientierte Beteiligungen, f\u00fcr die<span class=\"_ _128\"> </span>entweder eine konkrete Renditeerwar<span class=\"_ _0\"></span><span class=\"ff9\">tung od<span class=\"_ _0\"></span>er Erwartungen an eine Umwegrentabilit\u00e4t vorliegen. Mit d<span class=\"_ _0\"></span>em \u201eOberbank Op-<span class=\"_ _128\"> </span></span>portunity Fonds\u201c geht d<span class=\"_ _0\"></span>ie Oberbank AG im Zuge von Private Equity<span class=\"_ _0\"></span><span class=\"ff4\">-Finan<span class=\"_ _0\"></span>zierungen Beteiligungen ein, vorrangig mit dem<span class=\"_ _128\"> </span></span>Ziel, KundInnen in Situ<span class=\"_ _0\"></span>ationen zu unterst\u00fctzen, in denen die<span class=\"_ _0\"></span>se mit herk\u00f6mmlichen Finanzieru<span class=\"_ _0\"></span>ngen nicht das Auslangen fin-<span class=\"_ _128\"> </span>den. Beteiligungen an Mezzanin<span class=\"_ _0\"></span>- und Equit<span class=\"_ _0\"></span>y-Anbietern werden eingegangen, um deren E<span class=\"_ _0\"></span>xpertise zu nutzen und Zugan<span class=\"_ _0\"></span>g zu<span class=\"_ _128\"> </span>neuen M\u00e4rkten zu gewinnen. <span class=\"_ _0\"></span>Insbesondere im Immobilienbereich ist d<span class=\"_ _0\"></span>ie Oberbank AG <span class=\"_ _0\"></span>an Zweckgesellschaften bet<span class=\"_ _0\"></span>eiligt, die<span class=\"_ _128\"> </span>z. B. zur Errichtung od<span class=\"_ _0\"></span>er zum Betrieb eigener Immobilien gegr\u00fcnd<span class=\"_ _0\"></span>et wurden, vereinzelt auch an Unternehmen, die als Wohn-<span class=\"_ _128\"> </span>bautr\u00e4ger wichtige Partner in<span class=\"_ _0\"></span> Fragen der Wohnbaufinanzierung sind.<span class=\"_ _0\"></span> Vor dem Eingehen von Bet<span class=\"_ _0\"></span>eiligungen werden Analys<span class=\"_ _0\"></span>en erstellt, um ein m\u00f6glichst umfassendes Bild hinsichtlich Ertragskraft<span class=\"_ _0\"></span>,<span class=\"_ _128\"> </span>strategischem Fit und<span class=\"_ _0\"></span> der rechtlichen Situation zu bekommen.<span class=\"_ _0\"></span> Die Buch- und<span class=\"_ _0\"></span> beizulegenden Zeitwerte von Beteiligungspositionen zeigen folgendes Bild:<span class=\"_ _1\"></span> <table class=\"s w471 h217\" id=\"_16d7afef-0a6b-4362-8dd3-11caa5d447a8\"><tr><td class=\"c x174 y1792 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">per <span class=\"ffb ls2\">31.12.2022 in Tsd. \u20ac</span><span class=\"ffb ls2\"><span class=\"_ _0\"></span></span> </div></td><td></td><td class=\"c x19d y1792 w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y1793 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewertungsart<span class=\"_ _0\"></span> </div></td><td class=\"c x19d y1793 w1aa hc\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y1793 w1ab hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y1794 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1795 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y1795 w1aa hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y1795 w1ab hc\"><div class=\"t m0 xb8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y1796 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1796 w1aa h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td><td></td><td class=\"c x396 y1796 w1ab h12\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">263.405 </div></td></tr><tr><td class=\"c x174 y1797 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y1798 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y1798 w1aa h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td><td></td><td class=\"c x396 y1798 w1ab h12\"><div class=\"t m0 xa8 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">33.401 </div></td></tr><tr><td class=\"c x174 y1799 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179a wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y179a w1aa hc\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.099.645 </div></td><td></td><td class=\"c x396 y179a w1ab hc\"><div class=\"t m0 x40 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">659.455 </div></td></tr><tr><td class=\"c x174 y179b wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y179c wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y179c w1aa hc\"><div class=\"t m0 x2f h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">1.396.451<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y179c w1ab hc\"><div class=\"t m0 x40 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">956.261<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x174 y179d wae hc\"><div class=\"t m0 x7 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x19d y179d w1a9 hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls1 ws0\">                          <span class=\"ls0\">Wertan<span class=\"_ _5\"></span>s\u00e4tze</span><span class=\"ls0\"> </span></div></td><td></td></tr><tr><td class=\"c x174 y179e wae h2a\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gruppen von Beteiligungsinstrumenten nach Bewe<span class=\"_ _0\"></span>rtungsart </div></td><td class=\"c x19d y179e w1aa h2a\"><div class=\"t m0 x2d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Buchwert </div></td><td></td><td class=\"c x396 y179e w1ab h2a\"><div class=\"t m0 x2f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">Fair Value </div></td></tr><tr><td class=\"c x174 y179f wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through OCI </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a0 wae h12\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a0 w1aa h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td><td></td><td class=\"c x396 y17a0 w1ab h12\"><div class=\"t m0 xb8 h5 y7f ff4 fs2 fc2 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x174 y17a1 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a1 w1aa hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td><td></td><td class=\"c x396 y17a1 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">241.933 </div></td></tr><tr><td class=\"c x174 y17a2 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Fair Value through Profit and L<span class=\"_ _0\"></span>oss </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a3 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Posit<span class=\"_ _0\"></span>ionen</span><span class=\"ls0\"> </span></div></td><td class=\"c x19d y17a3 w1aa hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td><td></td><td class=\"c x396 y17a3 w1ab hc\"><div class=\"t m0 xa8 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">22.374 </div></td></tr><tr><td class=\"c x174 y17a4 wae hc\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Anteile an at Equity-Unternehmen<span class=\"_ _0\"></span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a5 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">B\u00f6rsengehandelte Positionen<span class=\"_ _0\"></span> </span></div></td><td class=\"c x19d y17a5 w1aa hc\"><div class=\"t m0 x2f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">1.000.764 </div></td><td></td><td class=\"c x396 y17a5 w1ab hc\"><div class=\"t m0 x40 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">730.120 </div></td></tr><tr><td class=\"c x174 y17a6 wae hc\"><div class=\"t m0 x7 h5 y7e ff4 fs2 fc2 sc0 ls1 ws0\">     <span class=\"ls0\">Nicht an einer B\u00f6rse gehandelte Position<span class=\"_ _0\"></span>en</span><span class=\"ls0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x174 y17a7 wae h12\"><div class=\"t m0 x7 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Gesamt </div></td><td class=\"c x19d y17a7 w1aa h12\"><div class=\"t m0 x2f h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">1.265.071<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x396 y17a7 w1ab h12\"><div class=\"t m0 x40 h6 y87 ff5 fs2 fc2 sc0 ls2 ws0\">994.427<span class=\"ls0\"> </span></div></td></tr></table>45) Marktrisiko<span class=\"_ _128\"> </span>Unter Marktrisiko wird der potenziell m\u00f6gliche Verlust, der d<span class=\"_ _0\"></span>urch Ver\u00e4nderungen von Preisen un<span class=\"_ _0\"></span>d Zinss\u00e4tzen an Finanz-<span class=\"_ _128\"> </span>m\u00e4rkten entstehen kann,<span class=\"_ _0\"></span> verstanden. In dieser Risikokategorie sind sowohl Posit<span class=\"_ _0\"></span>ionen des Handelsbuchs als auch des Bank-<span class=\"_ _128\"> </span>buchs erfasst. Das M<span class=\"_ _0\"></span>arktrisiko setzt sich aus den Risikoarten<span class=\"_ _0\"></span> Zinsrisiko, W\u00e4hrungsrisiko, Aktienkursrisiko und Cred<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>-Spread-<span class=\"_ _128\"> </span>Risiko zusammen.<span class=\"_ _128\"> </span>Risikomanagement<span class=\"_ _128\"> </span>Die Marktrisiken werden in der Oberban<span class=\"_ _0\"></span>k AG auch f\u00fcr die ausl\u00e4ndischen Gesch\u00e4ft<span class=\"_ _0\"></span>seinheiten sowie f\u00fcr die vollkon<span class=\"_ _0\"></span>solidie<span class=\"_ _0\"></span>rten<span class=\"_ _128\"> </span>Konzerngesellschaften zentral gesteuert<span class=\"_ _0\"></span>. Das Management der Marktrisiken ist<span class=\"_ _0\"></span> in der Oberbank AG auf zwei Kompetenztr\u00e4-<span class=\"_ _128\"> </span>ger aufgeteilt, die diese im Rahmen der ihn<span class=\"_ _0\"></span>en zugewiesenen Limits steuern.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Steuerung der Marktrisiken in der Verantwortung der A<span class=\"_ _0\"></span>bteil<span class=\"_ _0\"></span>ung Treasury &amp; Handel<span class=\"_ _0\"></span> Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist zust\u00e4ndig f\u00fcr die Steuerung der Marktrisiken d<span class=\"_ _0\"></span>er Handelsbuchpositionen, des <span class=\"_ _1\"></span> Zins\u00e4nderungsrisikos im Geldh<span class=\"_ _0\"></span>andelsbuch sowie des Devisenkursrisikos d<span class=\"_ _0\"></span>es gesamten Oberbank Konzerns. Das Geldh<span class=\"_ _0\"></span>andels-<span class=\"_ _128\"> </span>buch umfasst d<span class=\"_ _0\"></span>ie kurzfristigen Bankbuchpositionen. D<span class=\"_ _0\"></span>ie Berechnung des Risikos erfolgt auf Basis eines Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at<span class=\"_ _0\"></span></span>-Risk-Mo-<span class=\"_ _128\"> </span>dells. Der Value-<span class=\"lsd\">at</span>-Risk beschr<span class=\"_ _0\"></span>eibt, welcher Verlust mit einer vorgegebenen Wahrscheinlichke<span class=\"_ _0\"></span>it (Konfidenzniveau<span class=\"_ _0\"></span>) innerhalb<span class=\"_ _128\"> </span>einer bestimmten Halted<span class=\"_ _0\"></span>auer bei normalen Marktbed<span class=\"_ _0\"></span>ingungen maximal zu erwarten ist. Die Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at</span>-Risk-Berechnun<span class=\"_ _0\"></span>g er-<span class=\"_ _128\"> </span>folgt nach der Methode der h<span class=\"_ _0\"></span>istorischen Simulation mit einem Konfidenzn<span class=\"_ _0\"></span>iveau von 99 %, einer Haltedauer von zehn T<span class=\"_ _0\"></span>agen<span class=\"_ _128\"> </span>und einem Simulation<span class=\"_ _0\"></span>szeitraum von 1000 Tage<span class=\"_ _0\"></span>n. Die Berechnung der Valu<span class=\"_ _0\"></span>e-<span class=\"lsd\">at</span>-Risk-Werte, die Limitkontr<span class=\"_ _0\"></span>olle und das Repor-<span class=\"_ _128\"> </span>ting \u00fcber die Risiko- u<span class=\"_ _0\"></span>nd Ertragslage an Vorstand und<span class=\"_ _0\"></span> Abteilung Treasury &amp; Handel erfolgen t\u00e4glich von der Abteilung Str<span class=\"_ _0\"></span>ate-<span class=\"_ _128\"> </span>gisches Risikomanagement. Die Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at</span>-Risk-Werte f\u00fcr die Bericht<span class=\"_ _0\"></span>speriode k\u00f6nnen der nach<span class=\"_ _0\"></span>stehenden Tabelle entnommen<span class=\"_ _128\"> </span>werden:<table class=\"s w472 h218\" id=\"_3950ac35-798b-4fdb-a6ac-3f122f324281\"><tr><td class=\"c x398 y17a8 w16d hc\"><div class=\"t m0 x7 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"ls3e\">at</span>-<span class=\"ffb\">Risk 2022 in Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x399 y17a8 w17a hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17a8 w8b hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">MAX </div></td><td class=\"c x39b y17a8 w1ad hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls18 ws0\">MIN<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17a8 w8b hc\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Durchschnitt </div></td><td class=\"c x39d y17a8 w17a hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x399 y17a9 w17a hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">706<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17a9 w8b hc\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.680 </div></td><td class=\"c x39b y17a9 w1ad hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">339<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17a9 w8b hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">890<span class=\"ls0\"> </span></div></td><td class=\"c x39d y17a9 w17a hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">967<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x398 y17aa w16d h2a\"><div class=\"t m0 x7 h6 y7e1 ff5 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"ls3e\">at</span>-<span class=\"ffb\">Risk 2021 in Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x399 y17aa w17a h2a\"><div class=\"t m0 x47 h6 yae7 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2020<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17aa w8b h2a\"><div class=\"t m0 xe h6 yae7 ff5 fs2 fc2 sc0 ls0 ws0\">MAX </div></td><td class=\"c x39b y17aa w1ad h2a\"><div class=\"t m0 xf h6 yae7 ff5 fs2 fc2 sc0 ls18 ws0\">MIN<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17aa w8b h2a\"><div class=\"t m0 x13 h6 yae7 ff5 fs2 fc2 sc0 ls0 ws0\">Durchschnitt </div></td><td class=\"c x39d y17aa w17a h2a\"><div class=\"t m0 x47 h6 yae7 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x399 y17ab w17a hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">979<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17ab w8b hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.382 </div></td><td class=\"c x39b y17ab w1ad hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17ab w8b hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">893<span class=\"ls0\"> </span></div></td><td class=\"c x39d y17ab w17a hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">706<span class=\"ls0\"> </span></div></td></tr></table>Mittels Backt<span class=\"_ _0\"></span>esting erfolgt <span class=\"_ _0\"></span>eine \u00dcb<span class=\"_ _0\"></span>erpr\u00fcfung <span class=\"_ _0\"></span>der G\u00fcte <span class=\"_ _0\"></span>des st<span class=\"_ _0\"></span>atistischen Modells, <span class=\"_ _0\"></span>also d<span class=\"_ _0\"></span>er Vergleich der <span class=\"_ _0\"></span>gesch\u00e4tzten<span class=\"_ _0\"></span> 1<span class=\"_ _1\"></span>-Tages-<span class=\"_ _128\"> </span>Value-<span class=\"lsd\">at</span>-Risk <span class=\"_ _42\"> </span>Werte <span class=\"_ _12\"></span>mit <span class=\"_ _42\"> </span>den <span class=\"_ _12\"></span>tats\u00e4<span class=\"_ _0\"></span>chlichen <span class=\"_ _42\"></span>Ergebnissen. <span class=\"_ _12\"></span>Die <span class=\"_ _42\"></span>Backtestingergebnisse <span class=\"_ _42\"></span>weisen <span class=\"_ _12\"></span>im <span class=\"_ _42\"></span>abgelaufenen <span class=\"_ _42\"></span>Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>keine \u00dcberschreitun<span class=\"_ _0\"></span>gen auf und k\u00f6nnen der nachfolgenden<span class=\"_ _0\"></span> Grafik entnommen werd<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span>Backtesting VaR-<span class=\"ffb\">Modell 2022 i<span class=\"_ _0\"></span>n Tsd. \u20ac</span> Neben dem Value-<span class=\"lsd\">at</span>-Risk-Limit <span class=\"_ _0\"></span>werden zus\u00e4tzliche risikobegrenzende Limits w<span class=\"_ _0\"></span>ie Stop<span class=\"_ _0\"></span>-Loss-Limits und Volumenlimits zur<span class=\"_ _0\"></span> Steuerung des Risikos eingesetzt.<span class=\"_ _0\"></span> Das Devisenkursrisiko als Teil des Markt<span class=\"_ _0\"></span>risikos wird ebenfalls von der Abteilung Treasury &amp; Handel geste<span class=\"_ _1\"></span>uert. Die folgende<span class=\"_ _128\"> </span>Tabelle zeigt die offenen Devisenp<span class=\"_ _0\"></span>ositionen der Oberbank AG.<span class=\"_ _0\"></span> <table class=\"s w473 h219\" id=\"_66bbaf70-2dc9-4875-b7a1-34bafa4f0d40\"><tr><td></td><td class=\"c x39e y17ac w1af hc\" colspan=\"2\"><div class=\"t m0 x47 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Volumen in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x39f y17ac w1af hc\" colspan=\"2\"><div class=\"t m0 x47 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Volumen in Tsd. \u20ac<span class=\"ff5\"> </span></div></td></tr><tr><td></td><td class=\"c x39e y17ad w86 h12\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17ad w1b2 h12\" colspan=\"2\"><div class=\"t m0 x6c h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x39f y17ad w89 h12\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17ad w1b3 h12\"><div class=\"t m0 x6c h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17ae w1ae h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">AUD </div></td><td class=\"c x39e y17ae w86 h26\"><div class=\"t m0 x14 h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">43<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17ae w1b2 h26\"><div class=\"t m0 x14 h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">17</span> </div></td><td class=\"c x3a2 y17ae w1b1 h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">MXN </div></td><td class=\"c x39f y17ae w89 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17ae w1b3 h26\"><div class=\"t m0 xe h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">72<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17af w1ae h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls3f ws0\">CHF<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17af w86 h26\"><div class=\"t m0 x3f h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">458</span> </div></td><td class=\"c x3a0 y17af w1b2 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">101<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17af w1b1 h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">HKD </div></td><td class=\"c x39f y17af w89 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">42<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17af w1b3 h26\"><div class=\"t m0 x41 h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x1dc y17b0 w1ae h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">USD </div></td><td class=\"c x39e y17b0 w86 h12\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">403<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b0 w1b2 h12\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">7.926 </div></td><td class=\"c x3a2 y17b0 w1b1 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">JPY </div></td><td class=\"c x39f y17b0 w89 h12\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17b0 w1b3 h12\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">36</span> </div></td></tr><tr><td class=\"c x1dc y17b1 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls40 ws0\">GBP<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17b1 w86 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">228</span> </div></td><td class=\"c x3a0 y17b1 w1b2 hc\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">336<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b1 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">RON </div></td><td class=\"c x39f y17b1 w89 hc\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">9 </div></td><td class=\"c x3a1 y17b1 w1b3 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">89<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17b2 w1ae hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">HUF </div></td><td class=\"c x39e y17b2 w86 hc\"><div class=\"t m0 x9f h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-3.547 </div></td><td class=\"c x3a0 y17b2 w1b2 hc\"><div class=\"t m0 x4a h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-3.615 </div></td><td class=\"c x3a2 y17b2 w1b1 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">NZD </div></td><td class=\"c x39f y17b2 w89 hc\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3a1 y17b2 w1b3 hc\"><div class=\"t m0 x11 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104</span> </div></td></tr><tr><td class=\"c x1dc y17b3 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">SEK </div></td><td class=\"c x39e y17b3 w86 hc\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">188<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b3 w1b2 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">60<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b3 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls3f ws0\">CZK<span class=\"ls0\"> </span></div></td><td class=\"c x39f y17b3 w89 hc\"><div class=\"t m0 x9f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-4.800 </div></td><td class=\"c x3a1 y17b3 w1b3 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.021 </div></td></tr><tr><td class=\"c x1dc y17b4 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls3f ws0\">CAD<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17b4 w86 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b4 w1b2 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">19</span> </div></td><td class=\"c x3a2 y17b4 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Sonst. W\u00e4hrungen Long </div></td><td class=\"c x39f y17b4 w89 hc\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">184<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17b4 w1b3 hc\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17b5 w1ae hbc\"><div class=\"t m0 x90 h6 yaf7 ff5 fs2 fc2 sc0 ls0 ws0\">CNY </div></td><td class=\"c x39e y17b5 w86 hbc\"><div class=\"t m0 x11 h5 yaf7 ff4 fs2 fc2 sc0 ls2 ws0\">119<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b5 w1b2 hbc\"><div class=\"t m0 xe h5 yaf7 ff4 fs2 fc2 sc0 ls2 ws0\">40<span class=\"ls0\"> </span></div></td><td class=\"c x2e1 y17b6 w474 h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonst. W\u00e4hrungen<span class=\"_ _128\"> </span></div></td><td class=\"c x39f y17b5 w89 hbc\"><div class=\"t m0 xc h5 yaf7 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">12</span> </div></td><td class=\"c x3a1 y17b5 w1b3 hbc\"><div class=\"t m0 x14 h5 yaf7 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">61</span> </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2e1 y17b7 w475 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Short<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1dc y17b8 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">DKK </div></td><td class=\"c x39e y17b8 w86 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b8 w1b2 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">48<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b8 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gold </div></td><td class=\"c x39f y17b8 w89 hc\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.122 </div></td><td class=\"c x3a1 y17b8 w1b3 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.526 </div></td></tr><tr><td class=\"c x1dc y17b9 w1ae h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">NOK </div></td><td class=\"c x39e y17b9 w86 h12\"><div class=\"t m0 xc h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">19</span> </div></td><td class=\"c x3a0 y17b9 w1b2 h12\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">37</span> </div></td><td></td><td></td><td></td></tr></table>Die Ermittlung des Marktrisikos im <span class=\"_ _0\"></span>Verantw<span class=\"_ _0\"></span>ortungsbereich der Abteilung Treasury &amp; Hand<span class=\"_ _0\"></span>el f\u00fcr den Liquidationsansatz im<span class=\"_ _128\"> </span>ICAAP erfolgt mit dem gleichen Mod<span class=\"_ _0\"></span>ell wie oben beschrieben, allerdings mit dem einheitlichen Konfid<span class=\"_ _0\"></span>enzniveau von 99,9 %<span class=\"_ _128\"> </span>und einer Haltedauer von einem Jahr<span class=\"_ _0\"></span>. Per 31.12.2022 <span class=\"_ _0\"></span>ergab sich ein Marktrisiko im Veran<span class=\"_ _0\"></span>twortungsbereich der Abteilung<span class=\"_ _128\"> </span>Treasury &amp; Handel von 6,5 M<span class=\"_ _0\"></span>io. EUR (Vorjahr: 5,1 Mio. EUR).<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Steuerung der Marktrisiken in der Verantwortung des Akti<span class=\"_ _0\"></span>v-P<span class=\"_ _0\"></span>assiv-Management-Kom<span class=\"_ _0\"></span>itees<span class=\"_ _128\"> </span>Das APM-Komit<span class=\"_ _0\"></span>ee ist f\u00fcr die Steuerung des Zins\u00e4<span class=\"_ _0\"></span>nderungsrisikos der langfristigen Positionen (Zinsbindun<span class=\"_ _0\"></span>gen &gt; 12 Monate)<span class=\"_ _128\"> </span>f\u00fcr die W\u00e4hrungen EU<span class=\"_ _0\"></span>R, USD, CZK und HUF, f\u00fcr die strategischen Aktien<span class=\"_ _0\"></span>- <span class=\"_ _0\"></span>und Fondspositionen im Bankbu<span class=\"_ _0\"></span>ch sowie f\u00fcr das<span class=\"_ _128\"> </span>Credit Spread Risiko zu<span class=\"_ _0\"></span>st\u00e4ndig.<span class=\"_ _128\"> </span>Das APM-Komit<span class=\"_ _0\"></span>ee tritt monatlich zusammen. Mitglieder des Komitees sind d<span class=\"_ _0\"></span>er Risikovorstand sowie Vertreter der <span class=\"_ _0\"></span> Abteilungen Strategisches Risikomanagement, T<span class=\"_ _0\"></span>reasury &amp; Handel, Rechnungsw<span class=\"_ _0\"></span>esen und Controlling, Private Banking &amp; A<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>set Management, Kred<span class=\"_ _0\"></span>it-Management, Corporate &amp; International <span class=\"_ _0\"></span>Finance, Privat<span class=\"_ _0\"></span>kunden, Sekretariat &amp; Kommunikation, In-<span class=\"_ _128\"> </span>terne Revision und Co<span class=\"_ _0\"></span>mpliance.<span class=\"_ _128\"> </span>Zins\u00e4nderungsrisiko im Bankbuch<span class=\"_ _0\"></span> Das Eingehen des Zins\u00e4nd<span class=\"_ _0\"></span>erungsrisikos, das den Hauptteil des Marktrisikos im Bankbu<span class=\"_ _0\"></span>ch darstellt, ist ein wesentlicher <span class=\"_ _0\"></span> Bestandteil des Ban<span class=\"_ _0\"></span>kgesch\u00e4fts sowie eine wichtige Ertragsquelle und<span class=\"_ _0\"></span> erfordert eine ad\u00e4quate Ber\u00fccksichtigung im <span class=\"_ _1\"></span> Risikomanagement. Die st<span class=\"_ _0\"></span>rategische Ausrichtung zielt gru<span class=\"_ _0\"></span>nds\u00e4tzlich darauf ab, unter bewusst<span class=\"_ _0\"></span>er Inkaufnahme eines <span class=\"_ _0\"></span> kalkulierbaren und a<span class=\"_ _0\"></span>ktiv gesteuerten Risikos Ertr\u00e4ge zu lukrieren. Zur Stabilisierung d<span class=\"_ _0\"></span>es Zinsertrags sowie zur Erzielung von<span class=\"_ _1\"></span> zus\u00e4tzlichen Zinsergebnissen aus d<span class=\"_ _0\"></span>er Frist<span class=\"_ _0\"></span>entransformation wird eine kontinuierliche Veranlagu<span class=\"_ _0\"></span>ngsstrategie in Position<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>mit l\u00e4ngerfristiger Zinsbindung verfolgt. <span class=\"_ _0\"></span>F\u00fcr die interne Steuerung des Zins\u00e4<span class=\"_ _0\"></span>nderungsrisikos im Bankbuch gem\u00e4\u00df EBA Leitli-<span class=\"_ _128\"> </span>nie 2018/02 kommen die klassischen<span class=\"_ _0\"></span> Methoden der Zin<span class=\"_ _0\"></span>sbindungs-Analysen (D<span class=\"_ _0\"></span>arstellung von Zinsbindungs<span class=\"_ _0\"></span>-Gaps, Ermittlung<span class=\"_ _128\"> </span>von Zinssensitivit\u00e4tsanalys<span class=\"_ _0\"></span>en) zur Anwendung. Das Ausma\u00df des Zins\u00e4n<span class=\"_ _0\"></span>derungsrisikos wird mittels Analyse der Ba<span class=\"_ _0\"></span>rwertver\u00e4n-<span class=\"_ _128\"> </span>derungen der Positionen d<span class=\"_ _0\"></span>es Bankbuchs unter der Annahme verschiedener Zinss<span class=\"_ _1\"></span>zenarien ermittelt. Zus\u00e4tzlich zur Ba<span class=\"_ _0\"></span>rwert-<span class=\"_ _128\"> </span>betrachtung wird auch quart<span class=\"_ _0\"></span>alsweise eine Zinsergebnissimulation unt<span class=\"_ _0\"></span>er verschiedenen adversen Szenarien durchgef\u00fch<span class=\"_ _0\"></span>rt.<span class=\"_ _128\"> </span>Dabei wird je Szenario die Abweichung d<span class=\"_ _0\"></span>es GuV<span class=\"_ _0\"></span>-Ergebnisses vom Budget in den einzelnen Jah<span class=\"_ _0\"></span>ren sowi<span class=\"_ _0\"></span>e kumuliert f\u00fcr einen<span class=\"_ _128\"> </span>3-Jahres Horizont dargestellt.<span class=\"_ _128\"> </span>Folgende Grafik zeigt die Zinsbindungs<span class=\"_ _0\"></span>-<span class=\"ls35\">Gap</span>-Analyse, v<span class=\"_ _0\"></span>erglichen mit den Jahresultimo<span class=\"_ _0\"></span>-Werten des Vorjahres:<span class=\"_ _128\"> </span>Zinsbindungsgaps Bankbuchpositionen (Vergleich 31.12.2022 <span class=\"_ _0\"></span>mit 31.12.2021)<span class=\"_ _0\"></span> Die Ermittlung d<span class=\"_ _0\"></span>es Zins\u00e4nderungsrisikos im Liquidationsansatz des ICAA<span class=\"_ _0\"></span>P erfolgt auf Basis eines EVE<span class=\"_ _0\"></span>-Modells (Econ<span class=\"_ _0\"></span>omic Va<span class=\"_ _128\"> </span>-<span class=\"_ _128\"> </span>lue of Equity). Das zu<span class=\"_ _0\"></span>grunde liegende Szenario entspricht j\u00e4hrlichen Zins\u00e4nderungen,<span class=\"_ _0\"></span> die mit einer Wahrscheinlichkeit von<span class=\"_ _128\"> </span>99,9% nicht \u00fcberschritten werd<span class=\"_ _0\"></span>en. Die Kalibrierung d<span class=\"_ _0\"></span>es Zinsschocks in den einzelnen Hauptw\u00e4hrungen EU<span class=\"_ _0\"></span>R, USD, CZK und<span class=\"_ _128\"> </span>HUF orientiert sich dabei an d<span class=\"_ _0\"></span>er BCBS Publikation Zins\u00e4nderungsrisiko im Anlagebu<span class=\"_ _0\"></span>ch (BCBS d319). Nicht zinstr<span class=\"_ _0\"></span>agende Posi<span class=\"_ _128\"> </span>ti-<span class=\"_ _128\"> </span>onen werden nicht<span class=\"_ _0\"></span> ber\u00fccksichtigt. Per 31.12.2022 ergab sich ei<span class=\"_ _0\"></span>n Zins\u00e4nderun<span class=\"_ _0\"></span>gsrisiko im Bankbuch von 185,29 Mio. Euro<span class=\"_ _128\"> </span>(Vorjahr: 180,50 Mio. Euro<span class=\"_ _0\"></span>).<span class=\"_ _128\"> </span>Credit Spread Risiko<span class=\"_ _128\"> </span>Der Credit Spread stellt eine Risikop<span class=\"_ _0\"></span>r\u00e4mie f\u00fcr die mit der Investition \u00fcbern<span class=\"_ _0\"></span>ommenen Kreditrisiken dar. Der Credit Spread<span class=\"_ _128\"> </span>wird als Rendited<span class=\"_ _0\"></span>ifferenz zwischen einer Anleihe und einer risikofreien Referenzanleihe bestimmt<span class=\"_ _0\"></span>. Die Messung des Risikos<span class=\"_ _128\"> </span>erfolgt auf Basis von Barw<span class=\"_ _0\"></span>ertschwankungen des Anleiheportfolios aufgrund der Markt\u00e4nderungen der Cred<span class=\"_ _0\"></span>it Spreads bei<span class=\"_ _128\"> </span>gleichbleibender Bonit\u00e4t d<span class=\"_ _0\"></span>es Schuldn<span class=\"_ _0\"></span>ers. Das Credit Spread Risiko wird mit einem Konfidenzniveau von<span class=\"_ _0\"></span> 99,9 % und einer<span class=\"_ _128\"> </span>Haltedauer von 1 Jahr<span class=\"_ _0\"></span> berechnet. Zum 31.12.2022 errechnete sich auf diese Weise ein Wert von<span class=\"_ _0\"></span> 51,41 Mio. Euro (Vorjahr<span class=\"_ _128\"> </span>29,51 Mio. Euro).<span class=\"_ _128\"> </span>46) Makro\u00f6konomische Risiken<span class=\"_ _128\"> </span>Als makro\u00f6konomische Risiken werd<span class=\"_ _0\"></span>en jene Verlustpotenziale bezeichnet, die sich aus Ver<span class=\"_ _0\"></span>\u00e4nderungen des makro<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>\u00f6konomischen Umfelds ergeben (Versch<span class=\"_ _0\"></span>lechterungen der realen BIP<span class=\"_ _0\"></span>-Wachstu<span class=\"_ _0\"></span>msrate, wesentlicher Anstieg der Arbeitslosigkeit und der Inso<span class=\"_ _0\"></span>lvenzen, R\u00fcckgang d<span class=\"_ _0\"></span>er Aktienkurse und des Immob<span class=\"_ _0\"></span>ilienmarkts, ...).<span class=\"_ _128\"> </span>Die Auswirkungen einer vo<span class=\"_ _0\"></span>lkswirtschaftlichen Krise werden mittels erh\u00f6hten Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeiten bei Krediten,<span class=\"_ _128\"> </span>R\u00fcckg\u00e4ngen der Mar<span class=\"_ _0\"></span>ktwerte von Immobilien und R\u00fcckg\u00e4ngen der Finanzm\u00e4rkt<span class=\"_ _0\"></span>e dargestellt. Der <span class=\"_ _0\"></span>R\u00fcckgang wirkt sich sowohl<span class=\"_ _128\"> </span>bei den Verm\u00f6genswerten<span class=\"_ _0\"></span> der Bank als auch bei den hereingenommenen Sicherheiten n<span class=\"_ _0\"></span>egativ aus.<span class=\"_ _0\"></span> Das errechnete makro\u00f6<span class=\"_ _0\"></span>konomische Risiko betrug zum 31.12.2022 109,99 Mio. E<span class=\"_ _0\"></span>uro (Vorjahr: 105,54 Mio. Euro).<span class=\"_ _0\"></span> 47) Operationelles Risiko<span class=\"_ _0\"></span> Mit dem Bankgesch\u00e4ft unt<span class=\"_ _0\"></span>rennbar verbunden sind die operationellen Risiken. Unt<span class=\"_ _0\"></span>er diesem Begriff sind Risiken zusammen-<span class=\"_ _128\"> </span>gefasst, die den Betriebsb<span class=\"_ _0\"></span>ereich der Bank betreffen. Operationelle Risiken werden in<span class=\"_ _0\"></span> der Oberbank AG als die Gefahr v<span class=\"_ _1\"></span>on<span class=\"_ _128\"> </span>Verlusten, die in Folge der Unangemessenheit oder d<span class=\"_ _0\"></span>es Versagens von internen Verfahren, Menschen u<span class=\"_ _0\"></span>nd Systemen oder in<span class=\"_ _128\"> </span>Folge externer Ereignisse eintreten, definiert<span class=\"_ _0\"></span>. In dieser Definition werden Rechtsrisiken (inkludiert<span class=\"_ _0\"></span> das Risiko von Geldw\u00e4-<span class=\"_ _128\"> </span>scherei und T<span class=\"_ _0\"></span>errorismusfinanzierung) ber\u00fccksicht<span class=\"_ _0\"></span>igt, strategische Risiken oder Reputationsrisiken jedoch n<span class=\"_ _0\"></span>icht. Die Risiken<span class=\"_ _128\"> </span>werden in die folgenden Kategor<span class=\"_ _0\"></span>ien eingeteilt: interner Betrug, externer Betrug, Besch\u00e4ft<span class=\"_ _0\"></span>igungspraxis und Arbeitsplatzsi-<span class=\"_ _128\"> </span>cherheit, KundInnen, Pro<span class=\"_ _0\"></span>dukte und Gesch\u00e4ftsgepflogenh<span class=\"_ _0\"></span>eiten, Gesch\u00e4ftsunterbrechun<span class=\"_ _0\"></span>g und Systemausf\u00e4lle, Ausf\u00fchrung,<span class=\"_ _128\"> </span>Lieferung und Prozessmanagement so<span class=\"_ _0\"></span>wie Sachsch\u00e4den. In der Oberb<span class=\"_ _0\"></span>ank AG ist ein Gremium f\u00fcr das Management d<span class=\"_ _0\"></span>es ope-<span class=\"_ _128\"> </span>rationellen Risikos installiert. D<span class=\"_ _0\"></span>ieses Gremium steuert d<span class=\"_ _0\"></span>en Managementprozess der operationellen Risiken und<span class=\"_ _0\"></span> ist f\u00fcr seine<span class=\"_ _128\"> </span>Weiterentwicklung bzw. d<span class=\"_ _0\"></span>ie Adaptierung entsprechender Method<span class=\"_ _0\"></span>en verantwortlich. Das operative Risikomanagement vo<span class=\"_ _0\"></span>n<span class=\"_ _128\"> </span>operationellen Risiken wird von den jew<span class=\"_ _0\"></span>eiligen operativ t\u00e4tigen Abteilun<span class=\"_ _0\"></span>gen und<span class=\"_ _0\"></span> regionalen Vertriebseinheiten (Risk Taking<span class=\"_ _128\"> </span>Units) durchgef\u00fchrt, die f\u00fcr das operat<span class=\"_ _0\"></span>ionelle Risiko der in ihren Zust\u00e4ndigkeitsbereich fallenden Produkt<span class=\"_ _0\"></span>e und Prozesse ver-<span class=\"_ _128\"> </span>antwortlich sind. Ein elektron<span class=\"_ _0\"></span>ischer Einmeldeprozess unterst\u00fctzt die Erfassung vo<span class=\"_ _1\"></span>n schlagend gewordenen operationellen<span class=\"_ _128\"> </span>Risiken. Als Basis f\u00fcr die Steuerung u<span class=\"_ _0\"></span>nd Weiterentwicklung des Managements <span class=\"_ _0\"></span>der operationellen Risiken dienen systemat<span class=\"_ _0\"></span>i-<span class=\"_ _128\"> </span>sche Risikoanalysen. Diese erfolgen einerseits in Form v<span class=\"_ _0\"></span>on Risk Assessments als tourliche Er<span class=\"_ _0\"></span>hebung u<span class=\"_ _0\"></span>nd<span class=\"_ _0\"></span> Quantifizierung von<span class=\"_ _128\"> </span>potenziellen operationellen Risiken sow<span class=\"_ _0\"></span>ie durch Auswertung der in einer Schadensfalldat<span class=\"_ _0\"></span>enbank abgebildeten Schad<span class=\"_ _0\"></span>ensf\u00e4lle<span class=\"_ _128\"> </span>und das Monitoring von Key Risk Ind<span class=\"_ _0\"></span>ikatoren. Qualitative Analysen in Form eines Risk Assessmen<span class=\"_ _0\"></span>ts erfolgen mindes<span class=\"_ _1\"></span>tens alle<span class=\"_ _128\"> </span>zwei Jahre mittels stru<span class=\"_ _0\"></span>kturierter Frageb\u00f6gen. Dabei werden von den AssessorInn<span class=\"_ _0\"></span>en die Eintrittsh\u00e4ufigkeit und die H\u00f6he der<span class=\"_ _128\"> </span>potenziellen Sch\u00e4den abgesch\u00e4t<span class=\"_ _0\"></span>zt. Von der Abteilung Strategisches Risikomanagement w<span class=\"_ _0\"></span>ird quart<span class=\"_ _0\"></span>alsweise ein OpRisk Be-<span class=\"_ _128\"> </span>richt erstellt und<span class=\"_ _0\"></span> an den Vorstand sowie an das Gremium f\u00fcr das Man<span class=\"_ _0\"></span>agement des operationellen Risikos repor<span class=\"_ _0\"></span>tet. In die-<span class=\"_ _128\"> </span>sem Bericht werden die Entw<span class=\"_ _0\"></span>icklung der Key Risk Indikatoren und die Schadensf\u00e4lle des laufenden<span class=\"_ _0\"></span> Gesch\u00e4ftsjahres darge-<span class=\"_ _128\"> </span>stellt. Der Bericht gliedert d<span class=\"_ _0\"></span>ie Schadensf\u00e4lle nach Gesch\u00e4ftsfeldern und<span class=\"_ _0\"></span> Schadensfallkategorien.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Zur Absicherung von im Rah<span class=\"_ _0\"></span>men von Risikoanalysen fest<span class=\"_ _0\"></span>gestellten Gro\u00dfrisiken wurden konkrete Ma\u00dfn<span class=\"_ _0\"></span>ahmen getroffen (z. B.<span class=\"_ _128\"> </span>Versicherungen, Not<span class=\"_ _0\"></span>fallkonzepte IT, Ersatzrechenzentrum).<span class=\"_ _0\"></span> Aufgrund der<span class=\"_ _0\"></span> zunehmenden Bedeutung der Digitalisierung nehmen IT<span class=\"_ _0\"></span>-Risiken und<span class=\"_ _0\"></span> Cyberrisiken einen besonderen Stellen-<span class=\"_ _128\"> </span>wert im Bereich der Operationellen Risiken ein. Die Strat<span class=\"_ _0\"></span>egie der Bank besteht hier in<span class=\"_ _0\"></span> der laufenden Aufrechterhaltung eines<span class=\"_ _128\"> </span>State-<span class=\"ls12\">of</span>-<span class=\"ls41\">the</span>-Art-Sicherheitslevels. Dieses wird operativ von d<span class=\"_ _0\"></span>er mit der Umsetzung beauftragten 3 Banken IT<span class=\"_ _0\"></span> GmbH sicher-<span class=\"_ _128\"> </span>gestellt.<span class=\"_ _128\"> </span>Das ebenfalls in den operat<span class=\"_ _0\"></span>ionellen Risiken enthaltene Risiko aus Geldw\u00e4sche u<span class=\"_ _0\"></span>nd Terrorismusfinanzierung w<span class=\"_ _0\"></span>ird durch Aus-<span class=\"_ _128\"> </span>bildungsma\u00dfnahmen,<span class=\"_ _0\"></span> automatisiertes un<span class=\"_ _0\"></span>d manuelles Transaktionsmonitoring und<span class=\"_ _0\"></span> durch Schwellenwerte f\u00fcr die Mittelher-<span class=\"_ _128\"> </span>kunftspr\u00fcfung im Kassasyst<span class=\"_ _0\"></span>em begrenzt.<span class=\"_ _128\"> </span>Im Zuge der Risikotragf\u00e4h<span class=\"_ _0\"></span>igkeitsrechnung wird f\u00fcr die Quantifizierung des Operat<span class=\"_ _0\"></span>ionellen Risikos der Standardan<span class=\"_ _0\"></span>satz gem\u00e4\u00df<span class=\"_ _128\"> </span>Teil 3, Titel III, Kapit<span class=\"_ _0\"></span>el 3 CRR II verwendet. Das Risiko betrug per 31.12.2022 92,8 Mio. E<span class=\"_ _0\"></span>UR (Vorjahr: 85,7 Mio. Euro<span class=\"_ _0\"></span>).<span class=\"_ _0\"></span> \u00dcber die letzten f\u00fcnf Jahr<span class=\"_ _0\"></span>e wurde per Saldo aufgrund der Aufl\u00f6sun<span class=\"_ _0\"></span>g von in Vorjahren gebildeter R\u00fc<span class=\"_ _0\"></span>ckstellungen f\u00fcr Operati-<span class=\"_ _128\"> </span>onelle Risiken in der Gu<span class=\"_ _0\"></span>V ein Ertrag aus Operationellen Risiken ausgewiesen.<span class=\"_ _0\"></span> 48) Liquidit\u00e4tsrisiko<span class=\"_ _128\"> </span>Das Liquidit\u00e4tsrisiko (oder auch Refinanzierungsr<span class=\"_ _0\"></span>isiko) ist das Risiko, dass eine Bank ihren Zah<span class=\"_ _0\"></span>lungsverpflichtungen nicht je-<span class=\"_ _128\"> </span>derzeit oder nur zu erh\u00f6hten<span class=\"_ _0\"></span> Kosten nachkommen kann.<span class=\"_ _0\"></span> Das Liquidit\u00e4tsrisiko wird in d<span class=\"_ _0\"></span>as Zahlungsunf\u00e4higkeitsrisiko und das Liq<span class=\"_ _0\"></span>uidit\u00e4tsspreadrisiko eingeteilt. Als <span class=\"_ _1\"></span> Zahlungsunf\u00e4higkeitsrisiko oder auch Liqu<span class=\"_ _0\"></span>idit\u00e4tsrisiko im engeren Sinn gilt die Gefahr, dass d<span class=\"_ _0\"></span>ie Bank ihren gegenw\u00e4rtigen<span class=\"_ _128\"> </span>und zuk\u00fcnftigen Zahlun<span class=\"_ _0\"></span>gsverpflichtungen n<span class=\"_ _0\"></span>icht mehr vollst\u00e4ndig oder nicht fristgerecht n<span class=\"_ _0\"></span>achkommen kann. Es ergibt sich<span class=\"_ _128\"> </span>aus dem Terminrisiko <span class=\"_ _0\"></span>(Risiko, dass sich vereinbarte Zahlungseing\u00e4nge <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> z. B. Kredittilgungen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> verz\u00f6gern und so<span class=\"_ _0\"></span> die entspre-<span class=\"_ _128\"> </span>chende Liquidit\u00e4t fehlt), dem Abr<span class=\"_ _0\"></span>ufris<span class=\"_ _0\"></span>iko (Risiko, dass Zahlungsmittel vorzeitig oder unerw<span class=\"_ _0\"></span>artet hoch in Anspruch genommen<span class=\"_ _128\"> </span>werden, wie der Abruf von E<span class=\"_ _0\"></span>inlagen oder Kreditzusagen) und dem Anschlussfinan<span class=\"_ _0\"></span>zierungsrisiko (Risiko, dass bei l\u00e4ngeren<span class=\"_ _128\"> </span>Kapitalbindun<span class=\"_ _0\"></span>gsfristen auf der Aktivseite der Bilanz<span class=\"_ _0\"></span> die Anschlussfinanzierung nicht d<span class=\"_ _0\"></span>argestellt werden kann). Zus\u00e4tzlich zu<span class=\"_ _128\"> </span>den Risiken, die eine m\u00f6gliche Zahlu<span class=\"_ _0\"></span>ngsunf\u00e4higkeit ausl\u00f6sen, besteht das Risiko, dass Refinanzierun<span class=\"_ _0\"></span>gsmittel f\u00fcr Anschlussfi-<span class=\"_ _128\"> </span>nanzierungen nur zu erh<span class=\"_ _0\"></span>\u00f6hten Marktzinsen (Spreads) b<span class=\"_ _0\"></span>eschafft werd<span class=\"_ _0\"></span>en k\u00f6nnen und sich somit der Gewinn verringert (Liqu<span class=\"_ _0\"></span>i-<span class=\"_ _128\"> </span>dit\u00e4tsspreadrisiko).<span class=\"_ _128\"> </span>Prim\u00e4re Ziele des Liquidit\u00e4tsmanagements sind<span class=\"_ _0\"></span> die Sicherstellung der jederzeitigen Zahlu<span class=\"_ _0\"></span>ngsf\u00e4higkeit und die Optimierung<span class=\"_ _128\"> </span>der Refinanzierungsstruktur in Bezug auf Risiko u<span class=\"_ _0\"></span>nd Erge<span class=\"_ _0\"></span>bnis.<span class=\"_ _128\"> </span>Um das Risiko einer Abh\u00e4n<span class=\"_ _0\"></span>gigkeit der Refinanzierung vom volatilen Bankengeldmarkt<span class=\"_ _0\"></span> zu limitieren, ist das Verh\u00e4ltnis von<span class=\"_ _128\"> </span>Kundenkrediten zu Prim\u00e4reinlagen plu<span class=\"_ _0\"></span>s Eigenen Emissionen plus E<span class=\"_ _0\"></span>inlagen von F\u00f6rderbanken mit einem strategischen Limit<span class=\"_ _128\"> </span>von 110 % begrenzt. D<span class=\"_ _0\"></span>ie Strategische Liquidit\u00e4tskennzah<span class=\"_ _0\"></span>l (SLK) betrug zum 31.12.2022 90,4% (Vorja<span class=\"_ _0\"></span>hr: 90,0%). <span class=\"_ _0\"></span> Die Oberbank AG h\u00e4lt ein a<span class=\"_ _0\"></span>ngemessenes Polster (Liquidit\u00e4tspuffer) an freiem Refinanzierungsp<span class=\"_ _0\"></span>otential in Form von <span class=\"_ _1\"></span> refinanzierungsf\u00e4higen Wertp<span class=\"_ _0\"></span>apieren und Kred<span class=\"_ _0\"></span>itforderungen bei den Zentralbanken s<span class=\"_ _0\"></span>owie Zentralbankguthaben. <span class=\"_ _0\"></span>Die Ange-<span class=\"_ _128\"> </span>messenheit des Liquidit\u00e4t<span class=\"_ _0\"></span>spuffers wird monatlich durch Liquidit\u00e4tsstresstest<span class=\"_ _0\"></span>s \u00fcberpr\u00fcft. <span class=\"_ _0\"></span>Dar\u00fcber hinaus steht d<span class=\"_ _0\"></span>er Oberbank<span class=\"_ _128\"> </span>AG ein Potenzial an ungenutzten Bankenlin<span class=\"_ _0\"></span>ien zur Verf\u00fcgung. Ei<span class=\"_ _0\"></span>n weiterer strategischer Grundsat<span class=\"_ _0\"></span>z ist die m\u00f6glichst hohe<span class=\"_ _128\"> </span>Diversifizierung der Refinanzierun<span class=\"_ _0\"></span>gsquellen, um Abh\u00e4ngigkeiten vom Interbankengeldmarkt<span class=\"_ _0\"></span> und Kapitalmarkt zu vermeiden.<span class=\"_ _128\"> </span>Dies umfasst auch d<span class=\"_ _0\"></span>en aktiven Umgang mit verpf\u00e4ndun<span class=\"_ _0\"></span>gsf\u00e4higen Sicherheiten bei d<span class=\"_ _0\"></span>er Vergabe von Krediten<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Regulatorische Liquidit\u00e4tskennzahlen<span class=\"_ _0\"></span> Die LCR definiert den Min<span class=\"_ _0\"></span>destbestand an (hoch)liquiden Aktiva, die die Bank als Liq<span class=\"_ _0\"></span>uidit\u00e4tsreserve vorhalten muss, um \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>einen Zeitraum von 30 Tagen auft<span class=\"_ _0\"></span>retende Nettozahlungsverpflichtungen i<span class=\"_ _0\"></span>m Falle einer Stressp<span class=\"_ _0\"></span>hase nachkommen zu k\u00f6nn<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span>Die LCR per 31.12.2022 betrug 179,8%<span class=\"_ _0\"></span> (31.12.2021: 203,5%).<span class=\"_ _0\"></span> Die NSFR ist ein Mindestst<span class=\"_ _0\"></span>andard zur Verringerung des Refinanzierungsrisikos \u00fcb<span class=\"_ _0\"></span>er einen l\u00e4ngeren Zeithorizont. Die struktu-<span class=\"_ _128\"> </span>relle Liquidit\u00e4tsquot<span class=\"_ _0\"></span>e soll eine nachhaltige Refinanzierungsstruktur sicherst<span class=\"_ _0\"></span>ellen, indem sie die Fristentransformation zwi-<span class=\"_ _128\"> </span>schen Aktivgesch\u00e4ft einerseits und<span class=\"_ _0\"></span> der Refinanzierung andererseits begrenzt und somit das<span class=\"_ _0\"></span> Risiko k\u00fcnftiger Refinanzierungs-<span class=\"_ _128\"> </span>probleme vermindert<span class=\"_ _0\"></span>. Die NSFR per 31.12.2022 betru<span class=\"_ _0\"></span>g 132,3% (31.12.2021: 137,6%). <span class=\"_ _7\"> </span> Verantwortung f\u00fcr das Liquidit\u00e4tsrisikomanagement<span class=\"_ _0\"></span> Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement ist f\u00fcr das operative Berichtsw<span class=\"_ _0\"></span>esen und die Einstellung und \u00dcberwachung<span class=\"_ _128\"> </span>der entsprechenden Risikolimits verantwo<span class=\"_ _0\"></span>rtlich. Eb<span class=\"_ _0\"></span>enso ist die Abteilung Strategisches Risikomanagement f\u00fcr<span class=\"_ _0\"></span> die Weiterent-<span class=\"_ _128\"> </span>wicklung und die Wartung d<span class=\"_ _0\"></span>er verwendeten Modelle zur Risikosteuerung, f\u00fcr die Parametr<span class=\"_ _0\"></span>isierung der Liquidit\u00e4tsablaufbi-<span class=\"_ _128\"> </span>lanzen sowie f\u00fcr das Backtesting der M<span class=\"_ _0\"></span>odelle zust\u00e4ndig.<span class=\"_ _0\"></span> Kurzfristige Liquidit\u00e4tssteuerung<span class=\"_ _0\"></span> Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist f\u00fcr die kurzfristige, t\u00e4gliche Liquidit\u00e4tssteuerung in a<span class=\"_ _0\"></span>llen W\u00e4hrungen verantwortlich. Di<span class=\"_ _1\"></span><span class=\"lsc\">e<span class=\"_ _128\"> </span></span>t\u00e4gliche Steuerung der Liqu<span class=\"_ _0\"></span>idit\u00e4t erfolgt mittels einer kurzfristigen Liquidit\u00e4tsablaufbilanz. Es wi<span class=\"_ _1\"></span>rd t\u00e4glich von der Abteilun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>Strategisches Risikomanagement<span class=\"_ _0\"></span> eine Liquidit\u00e4tsablaufbilanz inklusive Neugesch\u00e4ftsann<span class=\"_ _0\"></span>ahmen f\u00fcr die n\u00e4chsten 30 Tage<span class=\"_ _128\"> </span>erstellt, die die Nettomittelzu<span class=\"_ _0\"></span>- bzw. -abfl\u00fcsse so<span class=\"_ _0\"></span>wie den akkumulierten Gap der Bank darst<span class=\"_ _0\"></span>ellt. Die Zentralbank<span class=\"_ _0\"></span>guthaben<span class=\"_ _128\"> </span>abz\u00fcglich Mindestr<span class=\"_ _0\"></span>eserveerfordernis und die freien unkommittierten Interb<span class=\"_ _0\"></span>anklinien (unkommittierte Interbanklinien abz\u00fc-<span class=\"_ _128\"> </span>glich tats\u00e4chlicher bzw. geplan<span class=\"_ _0\"></span>ter Ausnutzung) werden als Limitlin<span class=\"_ _0\"></span>ie dargestellt und bilden die Coun<span class=\"_ _0\"></span>terbalancing Capacity.<span class=\"_ _0\"></span> Dar\u00fcber hinaus wird f\u00fcr die n\u00e4chsten 30 T<span class=\"_ _0\"></span>age eine Liquidit\u00e4tsablaufbilanz erstellt, die auf t<span class=\"_ _0\"></span>\u00e4glicher Basis nur die kontraktu<span class=\"_ _1\"></span>el-<span class=\"_ _128\"> </span>len Cashflows der Ob<span class=\"_ _0\"></span>erbank AG darstellt.<span class=\"_ _128\"> </span>Liquidit\u00e4tsablaufbilanz inkl. Neugesch\u00e4ftsannahmen 30 Tage per 31.12.20<span class=\"_ _0\"></span>22 in Mio. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>Steuerung der langfristigen bzw. strategischen Liquidit\u00e4t<span class=\"_ _0\"></span> Die Steuerung der lan<span class=\"_ _0\"></span>gfristigen bzw. strategischen Liquidit\u00e4t der Oberban<span class=\"_ _0\"></span>k AG liegt in der Zust\u00e4ndigkeit des Vorstands und<span class=\"_ _128\"> </span>des APM-Komitees. Das Rep<span class=\"_ _0\"></span>orting erfolgt durch die Abteilung Strategisches<span class=\"_ _0\"></span> Risikoman<span class=\"_ _0\"></span>agement. Zur Darstellung des mittel<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>und langfristigen Liquid<span class=\"_ _0\"></span>it\u00e4tsrisikomanagements der Bank wird eine umfassende Liqu<span class=\"_ _0\"></span>idit\u00e4tsablaufbilanz erstellt, in der die aus<span class=\"_ _1\"></span> den Gesch\u00e4ften resu<span class=\"_ _0\"></span>ltierenden Zahlungsstr\u00f6me pro Laufzeitband aufsummiert w<span class=\"_ _0\"></span>erden.<span class=\"_ _0\"></span> Zur Steuerung des Liqu<span class=\"_ _0\"></span>idit\u00e4tsrisikos in den einzelnen W\u00e4hrungen werden d<span class=\"_ _0\"></span>ie Liquidit\u00e4tsgaps f\u00fcr die wesentlichen <span class=\"_ _1\"></span> W\u00e4hrungen (EUR, USD,<span class=\"_ _0\"></span> CZK und HUF) einzeln berichtet.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Liquidit\u00e4tsablaufbilanz mittel- bis langfr<span class=\"_ _0\"></span>istig f\u00fcr alle W\u00e4hrungen per 31.12.2022 und 31.1<span class=\"_ _0\"></span><span class=\"ffb\">2.2<span class=\"_ _0\"></span>021 in Mio. \u20ac</span> In der Kapitalbindun<span class=\"_ _0\"></span>gsbilanz (ohne Neugesch\u00e4ftsannahmen) l\u00e4sst sich a<span class=\"_ _0\"></span>m Ende des 1.Jahres ein Refinanzierun<span class=\"_ _0\"></span>gserfordernis<span class=\"_ _128\"> </span>von 3,5 Mrd Euro (Vorjahr<span class=\"_ _0\"></span>: 2,1 Mrd. Euro) erkennen. Dies entspricht einer Fund<span class=\"_ _0\"></span>ing Ratio von 75,3 % (Vorjahr: 84,7 %<span class=\"_ _1\"></span>), womit<span class=\"_ _128\"> </span>das intern festgelegte Limit von 70 % ein<span class=\"_ _0\"></span>gehalten wird.<span class=\"_ _128\"> </span>Die Laufzeitenstruktur der f\u00fcr<span class=\"_ _0\"></span> Repotransaktionen hinterlegten Wertpapiere und Kred<span class=\"_ _0\"></span>ite stellt sich wie folgt dar:<span class=\"_ _1\"></span> <table class=\"s w476 h21a\" id=\"_4eecafa6-72ac-4ad1-93df-00c98ad4b0fb\"><tr><td class=\"c x3a4 y17ba w1b5 hc\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2022<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17ba w145 hc\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17ba w1b6 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17ba w145 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17ba w1b6 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y17bb w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y17bb w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.512 </div></td><td class=\"c x3a6 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">484.868 </div></td><td class=\"c x3a7 y17bb w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.379.657 </div></td><td class=\"c x3a8 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.054 </div></td></tr><tr><td class=\"c x3a4 y17bc w1b5 h12\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2021<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17bc w145 h12\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17bc w1b6 h12\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17bc w145 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17bc w1b6 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y14f4 w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y14f4 w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.008 </div></td><td class=\"c x3a6 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">482.717 </div></td><td class=\"c x3a7 y14f4 w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.765.168 </div></td><td class=\"c x3a8 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">285.209 </div></td></tr></table>Zus\u00e4tzlich standen d<span class=\"_ _0\"></span>er Oberbank AG per <span class=\"_ _0\"></span>31.12.2022 Sicherheiten mit einem Deckungswert v<span class=\"_ _0\"></span>on 568,1 Mio. EUR (Vorjahr:<span class=\"_ _128\"> </span>599,4 Mio. Euro) au<span class=\"_ _0\"></span>s Reverse Repos mit der CNB zur Verf\u00fcgung, die jederzeit zur Liq<span class=\"_ _0\"></span>uidit\u00e4tsbeschaffung bei der CNB hin<span class=\"_ _0\"></span>ter-<span class=\"_ _128\"> </span>legt werden k\u00f6nnen. Der St<span class=\"_ _0\"></span>and der jederzeit abzugsf\u00e4higen Z<span class=\"_ _0\"></span>entralbankreserven<span class=\"_ _0\"></span> betrug per 31.12.2022 2.018 Mio. Euro<span class=\"_ _0\"></span> (Vorjahr: 4.046 Mio. Euro<span class=\"_ _0\"></span>). Die Ermittlung von Liqu<span class=\"_ _0\"></span>idit\u00e4ts-Gaps basiert auf kontraktuellen Cashflows. F\u00fc<span class=\"_ _0\"></span>r Positionen ohne<span class=\"_ _128\"> </span>definierte Kapitallaufzeit werd<span class=\"_ _0\"></span>en Annahmen getroffen (z. B. werden Sichteinla<span class=\"_ _0\"></span>gen a<span class=\"_ _0\"></span>ls 12-Monats-rollierende Posit<span class=\"_ _0\"></span>ionen,<span class=\"_ _128\"> </span>Sonstige Aktiva/Passiva als ro<span class=\"_ _0\"></span>llierende Langfristpositionen und Eigenkapital a<span class=\"_ _0\"></span>ls langfristige Position dargestellt).<span class=\"_ _1\"></span> Um die Auswirkungen von Liq<span class=\"_ _0\"></span>uidit\u00e4tskrisen darzustellen und die Angemessenheit des Liquidit<span class=\"_ _0\"></span>\u00e4tspuff<span class=\"_ _0\"></span>ers <span class=\"_ _0\"></span>zu pr\u00fcfen, werden<span class=\"_ _128\"> </span>Stressszenarien gerechnet. Es werden<span class=\"_ _0\"></span> die Szenarien Verschlechterung der Reputat<span class=\"_ _0\"></span>ion, Marktkrise und als Worst Case eine<span class=\"_ _128\"> </span>Kombination dieser beiden s<span class=\"_ _0\"></span>imuliert. F\u00fcr extreme Marktverh\u00e4ltnisse wurde ein Not<span class=\"_ _0\"></span>fallplan ausgearbeitet.<span class=\"_ _0\"></span> Vertragliche Cashflows der finanziellen Verbindlic<span class=\"_ _0\"></span>hkeiten nach IFRS 7/39 a und b<span class=\"_ _0\"></span> <table class=\"s w477 h21b\" id=\"_e6c98e8e-ee8f-46ea-828e-145a69bd13a9\"><tr><td></td><td></td><td class=\"c x3a9 y17bd w478 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17be w1b7 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17be w40 h3b\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17be w40 h3b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17be w36 h3b\"><div class=\"t m0 x5c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17be w37 h3b\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17be w38 h3b\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17c0 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c1 w47a h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735  </div></td><td class=\"c x3b0 y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.669.838  </div></td><td class=\"c x3ac y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">901.757  </div></td><td class=\"c x3ad y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">514.536  </div></td><td class=\"c x3ae y17c2 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.275.062  </div></td><td class=\"c x3af y17c2 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x3a4 y17c3 w1b7 ha0\"><div class=\"t m0 xa6 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.292.756  </div></td><td class=\"c x3b0 y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.431.861  </div></td><td class=\"c x3ac y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">541.898  </div></td><td class=\"c x3ad y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">490.884  </div></td><td class=\"c x3ae y17c3 w37 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.420.594  </div></td><td class=\"c x3af y17c3 w38 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x178 y17c4 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c5 w47b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355  </div></td><td class=\"c x3b0 y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.166.224  </div></td><td class=\"c x3ac y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.539.885  </div></td><td class=\"c x3ad y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.023.651  </div></td><td class=\"c x3ae y17c6 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">415.079  </div></td><td class=\"c x3af y17c6 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">187.609  </div></td></tr><tr><td class=\"c x3a4 y17c7 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x3b0 y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.694.494  </div></td><td class=\"c x3ac y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.587  </div></td><td class=\"c x3ad y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.399  </div></td><td class=\"c x3ae y17c7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">928.253  </div></td><td class=\"c x3af y17c7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.622.255  </div></td></tr><tr><td class=\"c x3a4 y17c8 w1b7 h3b\"><div class=\"t m0 x90 h6 y9d8 ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712  </div></td><td class=\"c x3b0 y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">565.266  </div></td><td class=\"c x3ac y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.224  </div></td><td class=\"c x3ad y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.659  </div></td><td class=\"c x3ae y17c8 w37 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">299.672  </div></td><td class=\"c x3af y17c8 w38 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">202.712  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17cb w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.170  </div></td><td class=\"c x3b0 y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">232.977  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls2 ws0\">162</div></td><td class=\"c x3ad y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.734  </div></td><td class=\"c x3ae y17cb w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">138.091  </div></td><td class=\"c x3af y17cb w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.314  </div></td></tr></table><table class=\"s w477 h21c\" id=\"_c6cc4739-97b4-4c2f-ac26-9c00a26ec5f4\"><tr><td></td><td></td><td class=\"c x3a9 y17cc w478 h21d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17cd w1b7 ha0\"><div class=\"t m0 x90 h6 y81 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17cd w40 ha0\"><div class=\"t m0 x85 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17cd w40 ha0\"><div class=\"t m0 x59 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17cd w36 ha0\"><div class=\"t m0 x5c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17cd w37 ha0\"><div class=\"t m0 x47 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17cd w38 ha0\"><div class=\"t m0 x8c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17ce w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17cf w47a h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.337  </div></td><td class=\"c x3b0 y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.991.906  </div></td><td class=\"c x3ac y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.017.656  </div></td><td class=\"c x3ad y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">402.361  </div></td><td class=\"c x3ae y17d0 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.701.525  </div></td><td class=\"c x3af y17d0 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x3a4 y17d1 w1b7 h3b\"><div class=\"t m0 xa6 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.042.864  </div></td><td class=\"c x3b0 y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.088.338  </div></td><td class=\"c x3ac y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">425.994  </div></td><td class=\"c x3ad y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">401.074  </div></td><td class=\"c x3ae y17d1 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390.905  </div></td><td class=\"c x3af y17d1 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x178 y17d2 w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17d3 w47b h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589  </div></td><td class=\"c x3b0 y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.763.428  </div></td><td class=\"c x3ac y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.681.943  </div></td><td class=\"c x3ad y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">422.926  </div></td><td class=\"c x3ae y17d4 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">433.152  </div></td><td class=\"c x3af y17d4 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">225.408  </div></td></tr><tr><td class=\"c x3a4 y17d5 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.646  </div></td><td class=\"c x3b0 y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.339.361  </div></td><td class=\"c x3ac y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.952  </div></td><td class=\"c x3ad y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.286  </div></td><td class=\"c x3ae y17d5 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">806.118  </div></td><td class=\"c x3af y17d5 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.388.005  </div></td></tr><tr><td class=\"c x3a4 y17d6 w1b7 h3a\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368  </div></td><td class=\"c x3b0 y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.687  </div></td><td class=\"c x3ac y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.222  </div></td><td class=\"c x3ad y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.283  </div></td><td class=\"c x3ae y17d6 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">321.477  </div></td><td class=\"c x3af y17d6 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.706  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17d7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.823  </div></td><td class=\"c x3b0 y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                            </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.971  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls2 ws0\">495</div></td><td class=\"c x3ad y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.795  </div></td><td class=\"c x3ae y17d7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.116  </div></td><td class=\"c x3af y17d7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.555  </div></td></tr></table>49) Risiko einer \u00fcberm\u00e4\u00dfigen Ve<span class=\"_ _0\"></span>rschuldung<span class=\"_ _128\"> </span>Die Oberbank AG misst<span class=\"_ _0\"></span> das Risiko einer \u00fcberm\u00e4\u00dfigen Verschuldung durch Berechnun<span class=\"_ _0\"></span>g der Verschuldungsquote (Leverage<span class=\"_ _1\"></span> Ratio) gem\u00e4\u00df Art. 429 CRR. <span class=\"_ _0\"></span>Zur Steuerung des Risikos wurde eine interne Gren<span class=\"_ _0\"></span>ze f\u00fcr die Verschuldungsquote in H\u00f6he von 4<span class=\"_ _128\"> </span>% festgelegt. Die Verschuldungsquote betrug zu<span class=\"_ _0\"></span>m 31.12.2022 10,96 % (31.12.2021: 11,91 %<span class=\"_ _0\"></span>).<span class=\"_ _0\"></span><span class=\"fs1\"> </span>Die Ver\u00e4nderung der Leverage<span class=\"_ _128\"> </span>Ratio resultiert h<span class=\"_ _0\"></span>aupts\u00e4chlich daraus, dass das Nationalban<span class=\"_ _0\"></span>kguthaben nicht mehr von der Gesamtrisikomessgr\u00f6\u00df<span class=\"_ _0\"></span>e der Ver-<span class=\"_ _128\"> </span>schuldungsquote abgezogen werd<span class=\"_ _0\"></span>en darf. Diese Covid<span class=\"_ _0\"></span>-19 Erleichterun<span class=\"_ _0\"></span>g war nur bis 31.03.2022 zul\u00e4ssig.<span class=\"_ _128\"> </span>50) Nachhaltigkeitsrisiko<span class=\"_ _128\"> </span>Das Nachhaltigkeitsrisiko umfasst<span class=\"_ _0\"></span> physische Risiken, die sich aus Extremwetterereignissen ergeb<span class=\"_ _0\"></span>en und Transitionsrisiken,<span class=\"_ _128\"> </span>die sich aus dem Umstieg auf eine Wirtsch<span class=\"_ _0\"></span>aft mit wenig CO\u00b2 Aussto\u00df ergeben. <span class=\"_ _0\"></span>Gem\u00e4\u00df den Empfehlungen der FM<span class=\"_ _0\"></span>A im <span class=\"_ _0\"></span><span class=\"ffd\">Leitfa<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span></span>den zum Umgang mit<span class=\"_ _0\"></span> Nachhaltigkeitsrisiken<span class=\"_ _0\"></span><span class=\"ff4\"> werden die Spezialthemen des Nachh<span class=\"_ _0\"></span>altigkeitsrisikos in der Risikosteuerung im<span class=\"_ _128\"> </span></span>Rahmen der Prim\u00e4rrisiken abgedeckt. D<span class=\"_ _0\"></span>etails zur Steuerung der Nachhaltigkeitsrisiken im Kr<span class=\"_ _0\"></span>editportfolio sind in der Note 43<span class=\"_ _128\"> </span>dargestellt.<span class=\"_ _128\"> </span>51) Systemisches Risiko<span class=\"_ _128\"> </span>Das systemische Risiko beschreibt d<span class=\"_ _0\"></span>as Risiko einer St\u00f6rung im Finanzsyst<span class=\"_ _0\"></span>em insgesamt oder von Teilen des Finanzsyst<span class=\"_ _0\"></span>ems,<span class=\"_ _128\"> </span>welches schwerwiegende negative Ausw<span class=\"_ _0\"></span>irkungen im Finanzsystem und in<span class=\"_ _0\"></span> der Realwirtschaft nach sich ziehen kann.<span class=\"_ _0\"></span> So kann die Zah<span class=\"_ _0\"></span>lungsunf\u00e4higkeit eines Marktteilnehmers zu einer Kettenreakt<span class=\"_ _0\"></span>ion f\u00fchren, die erhebliche Liquidit\u00e4ts<span class=\"_ _0\"></span>- u<span class=\"_ _0\"></span>nd Sol-<span class=\"_ _128\"> </span>venzprobleme einer Vielzahl anderer M<span class=\"_ _0\"></span>arktteilnehmer nach sich zieht. Dies kann wiederu<span class=\"_ _0\"></span>m den funktionellen <span class=\"_ _1\"></span> Zusammenbruch von<span class=\"_ _0\"></span> Teilen des Finanzsystems od<span class=\"_ _0\"></span>er des Finanzsystems in seiner G<span class=\"_ _0\"></span>esamtheit bewirken. Systemische Risiken<span class=\"_ _128\"> </span>sind aufgrund komplexer Wirkun<span class=\"_ _0\"></span>gszusammenh\u00e4nge im Finanzsyst<span class=\"_ _0\"></span>em schwer vorhersehbar und beeinflussbar<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span> Die FMA hat in ihrer Funktion als nationale Ab<span class=\"_ _0\"></span>wicklungsbeh\u00f6rde f\u00fcr die Oberban<span class=\"_ _0\"></span>k AG <span class=\"_ _0\"></span>im Falle der Festst<span class=\"_ _0\"></span>ellung eines Ausfalls<span class=\"_ _128\"> </span>oder wahrscheinlichen Ausfalls die Anw<span class=\"_ _0\"></span>endung eines Abwicklungsverfahr<span class=\"_ _0\"></span>ens indiziert. Diese Bewertung basiert<span class=\"_ _0\"></span> auf der Identifizierung von kritischen Funktionen und der Erwartun<span class=\"_ _0\"></span>g erheblich negativer Auswirkun-<span class=\"_ _128\"> </span>gen auf die Finanzst<span class=\"_ _0\"></span>abilit\u00e4t in \u00d6sterreich im Fall eines Marktaustrittes auf Grund einer I<span class=\"_ _0\"></span>nsolvenz.<span class=\"_ _0\"></span> Die FMA hat der Oberban<span class=\"_ _0\"></span>k AG daher vorgeschrieben einen Mindestbetrag an Eigenmitteln und ber\u00fc<span class=\"_ _0\"></span>cksichtigungsf\u00e4higen <span class=\"_ _0\"></span> Verbindlichkeiten (MRE<span class=\"_ _0\"></span>L) vorzuhalten.<span class=\"_ _128\"> </span>Mit diesem MREL E<span class=\"_ _0\"></span>rfordernis soll sichergestellt werden, dass ein Institut zu<span class=\"_ _0\"></span> jeder Zeit eine Mindestquote an Eigenmitt<span class=\"_ _0\"></span>eln<span class=\"_ _128\"> </span>und MREL-f\u00e4higen Verb<span class=\"_ _0\"></span>indlichkeiten einh\u00e4lt (ausreichender Puffer an V<span class=\"_ _0\"></span>erlustabsorptionskapital f\u00fcr den Abwicklungsfall und<span class=\"_ _0\"></span> die daf\u00fcr vorgesehene Ab<span class=\"_ _0\"></span>wicklungsstrategie). Diese Quote w<span class=\"_ _0\"></span>ird entweder als Anteil am Risikopositionswert (T<span class=\"_ _0\"></span>REA) oder als<span class=\"_ _128\"> </span>Anteil an der Gesamtrisikopositionsmessgr\u00f6\u00df<span class=\"_ _0\"></span>e (LRE/TEM) ausgedr\u00fcckt.<span class=\"_ _0\"></span> Die vorgeschriebene H\u00f6he der Kennziffern wird<span class=\"_ _0\"></span> nicht f\u00fcr alle Institute der EU einheitlich f<span class=\"_ _1\"></span>estgelegt, sondern vielmehr institutsspezifisch bestimmt. F\u00fcr die Oberb<span class=\"_ _0\"></span>ank AG hat die FMA folgende Quoten festgelegt, die ab 1.1.2022 ein<span class=\"_ _0\"></span>zuhalten<span class=\"_ _128\"> </span>sind:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">vorgeschriebene TREA Quot<span class=\"_ _0\"></span>e: 19,41 %<span class=\"_ _128\"> </span></span></span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">vorgeschriebene LRE/TEM Qu<span class=\"_ _0\"></span>ote: 5,90 %. <span class=\"_ _7\"> </span> </span></span>Per 31.12.2022 betrug die T<span class=\"_ _0\"></span>REA Quote 25,69 % (31.12.2021: 27,28 %) u<span class=\"_ _0\"></span>nd die LRE/TEM Quote 16,95 % (31.12.2021: <span class=\"_ _1\"></span> 19,03 %). Der R\u00fcckgang geht<span class=\"_ _0\"></span> mit dem starken Kreditwachstum und<span class=\"_ _0\"></span> dem nicht so starken Anstieg der Eigenmittel einher. Zu-<span class=\"_ _128\"> </span>s\u00e4tzlich wurde erstmals der<span class=\"_ _0\"></span> Bewilligungsbetrag gem\u00e4\u00df Art. 78a CRR in Ab<span class=\"_ _0\"></span>zug gebracht. Nachdem die Covid<span class=\"_ _0\"></span>-19 Erleichteru<span class=\"_ _0\"></span>ng<span class=\"_ _128\"> </span>zum Abzug der <span class=\"_ _0\"></span>Nationalbankguthaben von der Gesamtrisikomessgr\u00f6\u00dfe der V<span class=\"_ _0\"></span>erschuldungsquote nicht mehr anw<span class=\"_ _0\"></span>endbar ist,<span class=\"_ _128\"> </span>hat auch dies eine entspr<span class=\"_ _0\"></span>echende Auswirkung auf d<span class=\"_ _0\"></span><span class=\"ls1d\">ie</span> LRE/TEM Quote.<span class=\"_ _128\"> </span>52) Sonstige Risiken<span class=\"_ _128\"> </span>In den sonstigen Risiken sind jene Risiken zusa<span class=\"_ _0\"></span>mmengefasst, die im Rahmen des Gesch\u00e4ftsmo<span class=\"_ _0\"></span>dells des Oberbank Ko<span class=\"_ _0\"></span>nzerns<span class=\"_ _128\"> </span>als unwesentlich klassifiziert w<span class=\"_ _0\"></span>erden und f\u00fcr die daher aus der Risikodeckungsmasse kein Einzellimi<span class=\"_ _0\"></span>t ab<span class=\"_ _0\"></span>geleitet wird.<span class=\"_ _128\"> </span>In die Kategorie sonstige Risiken fallen im Sp<span class=\"_ _0\"></span>eziellen folgende Bankr<span class=\"_ _0\"></span>isiken:<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Reputationsrisiken<span class=\"_ _0\"></span> entstehen aus negativen Wahrneh<span class=\"_ _0\"></span>mungen in der \u00d6ffentlichkeit. Der dadurch gesch\u00e4digte Ru<span class=\"_ _0\"></span>f (z. B.<span class=\"_ _128\"> </span></span></span>bei KundInnen, Gesch\u00e4ft<span class=\"_ _0\"></span>spartnerInnen, Aktion\u00e4rInnen, Beh\u00f6rden \u2026) und d<span class=\"_ _0\"></span>er damit einhergehende Vertrauensverlust<span class=\"_ _128\"> </span>k\u00f6nnen zu Ergebniseinbr\u00fc<span class=\"_ _0\"></span>chen bzw. Verlusten f\u00fchr<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span>\u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Als Gesch\u00e4ftsrisiken w<span class=\"_ _0\"></span>erden die Risiken bezeichnet, die aus un<span class=\"_ _0\"></span>erwarteten Ergebnisschwankungen wegen ge\u00e4nderter<span class=\"_ _128\"> </span></span></span>Rahmenbedingun<span class=\"_ _0\"></span>gen resultieren (z. B. geringere Ertr\u00e4ge, die keine Aufwand<span class=\"_ _0\"></span>sk\u00fcrzung im gleichen Ausma\u00df erm\u00f6glichen,<span class=\"_ _128\"> </span>ver\u00e4nderte Wettbewerb<span class=\"_ _0\"></span>sverh\u00e4<span class=\"ff9\">ltnisse, ge\u00e4ndertes Kundenverhalten und Fo<span class=\"_ _0\"></span>lgen des technischen Fortschritts \u2026).<span class=\"_ _0\"></span></span> \u2022<span class=\"ff7\"> <span class=\"_ _6\"> </span><span class=\"ff4\">Strategische Risiken resultieren d<span class=\"_ _0\"></span>araus, dass langfristige Unternehmensziele auf Basis d<span class=\"_ _0\"></span>er zugrunde liegenden Gesch\u00e4fts-<span class=\"_ _128\"> </span></span></span>annahmen oder w<span class=\"_ _0\"></span>egen ge\u00e4nderter Rahmenbedingungen verfehlt<span class=\"_ _0\"></span> werden. Eine Vermeidung bzw. Redu<span class=\"_ _0\"></span>zierung dieser<span class=\"_ _128\"> </span>Risiken kann durch st\u00e4n<span class=\"_ _0\"></span>dige Beobachtung der Marktverh\u00e4ltnisse und<span class=\"_ _0\"></span> Wettbewerbsbedingungen sowie durch eine rollie-<span class=\"_ _128\"> </span>rende strategische Planun<span class=\"_ _0\"></span>g mit laufender Anpassung an das Marktu<span class=\"_ _0\"></span>mfeld erzielt werden.<span class=\"_ _0\"></span> 53) Risikobericht <span class=\"ffb\">\u2013</span> Zusammenf<span class=\"_ _0\"></span>assung<span class=\"_ _128\"> </span>Das Risikomanagement ist in<span class=\"_ _0\"></span> der Oberbank AG integraler Bestand<span class=\"_ _0\"></span>teil der Gesch\u00e4ftspolitik, der strategischen Zieleplanun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>sowie des operativen Managements b<span class=\"_ _0\"></span>zw. Controllings. Die zentrale Verantwortung f\u00fcr d<span class=\"_ _0\"></span>as Risikomanagement <span class=\"_ _0\"></span>liegt b<span class=\"_ _0\"></span>eim<span class=\"_ _128\"> </span>Gesamtvorstand der Oberb<span class=\"_ _0\"></span>ank AG.<span class=\"_ _128\"> </span>F\u00fcr jedes wesentliche Risiko des Oberb<span class=\"_ _0\"></span>ank Konzerns gibt es definierte Steueru<span class=\"_ _0\"></span>ngsverantwortlichkeiten sowie zugewiesene<span class=\"_ _128\"> </span>Risikodeckungsmassen (Limits) od<span class=\"_ _0\"></span>er definierte Steuerungsprozesse.<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "Marktrisiko<span class=\"_ _128\"> </span>Das Management d<span class=\"_ _0\"></span>er Marktrisiken ist in der Oberbank AG auf zwei Kompetenztr\u00e4ger au<span class=\"_ _0\"></span>fgeteilt, die diese im Rahmen der<span class=\"_ _128\"> </span>ihnen zugewiesenen Risikolimite selbst\u00e4n<span class=\"_ _0\"></span>dig gestionieren. Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist zust\u00e4ndig f\u00fcr d<span class=\"_ _0\"></span>as Devisenkursrisiko f\u00fcr den gesamten Oberbank<span class=\"_ _0\"></span>-Konzern, f\u00fcr d<span class=\"_ _0\"></span>as Markt-<span class=\"_ _128\"> </span>risiko im Handelsbuch und<span class=\"_ _0\"></span> f\u00fcr das Zinsrisiko des Geldh<span class=\"_ _0\"></span>andels. Das Aktiv<span class=\"_ _0\"></span>-Passiv-Managementkomitee ist f\u00fcr die Marktrisiken im Bankbu<span class=\"_ _0\"></span>ch zust\u00e4ndig.<span class=\"_ _128\"> </span>45) Marktrisiko<span class=\"_ _128\"> </span>Unter Marktrisiko wird der potenziell m\u00f6gliche Verlust, der d<span class=\"_ _0\"></span>urch Ver\u00e4nderungen von Preisen un<span class=\"_ _0\"></span>d Zinss\u00e4tzen an Finanz-<span class=\"_ _128\"> </span>m\u00e4rkten entstehen kann,<span class=\"_ _0\"></span> verstanden. In dieser Risikokategorie sind sowohl Posit<span class=\"_ _0\"></span>ionen des Handelsbuchs als auch des Bank-<span class=\"_ _128\"> </span>buchs erfasst. Das M<span class=\"_ _0\"></span>arktrisiko setzt sich aus den Risikoarten<span class=\"_ _0\"></span> Zinsrisiko, W\u00e4hrungsrisiko, Aktienkursrisiko und Cred<span class=\"_ _0\"></span>it<span class=\"_ _0\"></span>-Spread-<span class=\"_ _128\"> </span>Risiko zusammen.<span class=\"_ _128\"> </span>Risikomanagement<span class=\"_ _128\"> </span>Die Marktrisiken werden in der Oberban<span class=\"_ _0\"></span>k AG auch f\u00fcr die ausl\u00e4ndischen Gesch\u00e4ft<span class=\"_ _0\"></span>seinheiten sowie f\u00fcr die vollkon<span class=\"_ _0\"></span>solidie<span class=\"_ _0\"></span>rten<span class=\"_ _128\"> </span>Konzerngesellschaften zentral gesteuert<span class=\"_ _0\"></span>. Das Management der Marktrisiken ist<span class=\"_ _0\"></span> in der Oberbank AG auf zwei Kompetenztr\u00e4-<span class=\"_ _128\"> </span>ger aufgeteilt, die diese im Rahmen der ihn<span class=\"_ _0\"></span>en zugewiesenen Limits steuern.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Steuerung der Marktrisiken in der Verantwortung der A<span class=\"_ _0\"></span>bteil<span class=\"_ _0\"></span>ung Treasury &amp; Handel<span class=\"_ _0\"></span> Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist zust\u00e4ndig f\u00fcr die Steuerung der Marktrisiken d<span class=\"_ _0\"></span>er Handelsbuchpositionen, des <span class=\"_ _1\"></span> Zins\u00e4nderungsrisikos im Geldh<span class=\"_ _0\"></span>andelsbuch sowie des Devisenkursrisikos d<span class=\"_ _0\"></span>es gesamten Oberbank Konzerns. Das Geldh<span class=\"_ _0\"></span>andels-<span class=\"_ _128\"> </span>buch umfasst d<span class=\"_ _0\"></span>ie kurzfristigen Bankbuchpositionen. D<span class=\"_ _0\"></span>ie Berechnung des Risikos erfolgt auf Basis eines Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at<span class=\"_ _0\"></span></span>-Risk-Mo-<span class=\"_ _128\"> </span>dells. Der Value-<span class=\"lsd\">at</span>-Risk beschr<span class=\"_ _0\"></span>eibt, welcher Verlust mit einer vorgegebenen Wahrscheinlichke<span class=\"_ _0\"></span>it (Konfidenzniveau<span class=\"_ _0\"></span>) innerhalb<span class=\"_ _128\"> </span>einer bestimmten Halted<span class=\"_ _0\"></span>auer bei normalen Marktbed<span class=\"_ _0\"></span>ingungen maximal zu erwarten ist. Die Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at</span>-Risk-Berechnun<span class=\"_ _0\"></span>g er-<span class=\"_ _128\"> </span>folgt nach der Methode der h<span class=\"_ _0\"></span>istorischen Simulation mit einem Konfidenzn<span class=\"_ _0\"></span>iveau von 99 %, einer Haltedauer von zehn T<span class=\"_ _0\"></span>agen<span class=\"_ _128\"> </span>und einem Simulation<span class=\"_ _0\"></span>szeitraum von 1000 Tage<span class=\"_ _0\"></span>n. Die Berechnung der Valu<span class=\"_ _0\"></span>e-<span class=\"lsd\">at</span>-Risk-Werte, die Limitkontr<span class=\"_ _0\"></span>olle und das Repor-<span class=\"_ _128\"> </span>ting \u00fcber die Risiko- u<span class=\"_ _0\"></span>nd Ertragslage an Vorstand und<span class=\"_ _0\"></span> Abteilung Treasury &amp; Handel erfolgen t\u00e4glich von der Abteilung Str<span class=\"_ _0\"></span>ate-<span class=\"_ _128\"> </span>gisches Risikomanagement. Die Value<span class=\"_ _0\"></span>-<span class=\"lsd\">at</span>-Risk-Werte f\u00fcr die Bericht<span class=\"_ _0\"></span>speriode k\u00f6nnen der nach<span class=\"_ _0\"></span>stehenden Tabelle entnommen<span class=\"_ _128\"> </span>werden:<table class=\"s w472 h218\" id=\"_3950ac35-798b-4fdb-a6ac-3f122f324281\"><tr><td class=\"c x398 y17a8 w16d hc\"><div class=\"t m0 x7 h6 y7f ff5 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"ls3e\">at</span>-<span class=\"ffb\">Risk 2022 in Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x399 y17a8 w17a hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17a8 w8b hc\"><div class=\"t m0 xe h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">MAX </div></td><td class=\"c x39b y17a8 w1ad hc\"><div class=\"t m0 xf h6 y7e ff5 fs2 fc2 sc0 ls18 ws0\">MIN<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17a8 w8b hc\"><div class=\"t m0 x13 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Durchschnitt </div></td><td class=\"c x39d y17a8 w17a hc\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x399 y17a9 w17a hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">706<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17a9 w8b hc\"><div class=\"t m0 x14 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.680 </div></td><td class=\"c x39b y17a9 w1ad hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">339<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17a9 w8b hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">890<span class=\"ls0\"> </span></div></td><td class=\"c x39d y17a9 w17a hc\"><div class=\"t m0 xd h5 y7e ff4 fs2 fc2 sc0 ls2 ws0\">967<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x398 y17aa w16d h2a\"><div class=\"t m0 x7 h6 y7e1 ff5 fs2 fc2 sc0 ls0 ws0\">Value-<span class=\"ls3e\">at</span>-<span class=\"ffb\">Risk 2021 in Tsd. \u20ac</span><span class=\"ffb\"><span class=\"_ _0\"></span></span> </div></td><td class=\"c x399 y17aa w17a h2a\"><div class=\"t m0 x47 h6 yae7 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2020<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17aa w8b h2a\"><div class=\"t m0 xe h6 yae7 ff5 fs2 fc2 sc0 ls0 ws0\">MAX </div></td><td class=\"c x39b y17aa w1ad h2a\"><div class=\"t m0 xf h6 yae7 ff5 fs2 fc2 sc0 ls18 ws0\">MIN<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17aa w8b h2a\"><div class=\"t m0 x13 h6 yae7 ff5 fs2 fc2 sc0 ls0 ws0\">Durchschnitt </div></td><td class=\"c x39d y17aa w17a h2a\"><div class=\"t m0 x47 h6 yae7 ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td></td><td class=\"c x399 y17ab w17a hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">979<span class=\"ls0\"> </span></div></td><td class=\"c x39a y17ab w8b hc\"><div class=\"t m0 x14 h5 ydb ff4 fs2 fc2 sc0 ls0 ws0\">1.382 </div></td><td class=\"c x39b y17ab w1ad hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">575<span class=\"ls0\"> </span></div></td><td class=\"c x39c y17ab w8b hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">893<span class=\"ls0\"> </span></div></td><td class=\"c x39d y17ab w17a hc\"><div class=\"t m0 xd h5 ydb ff4 fs2 fc2 sc0 ls2 ws0\">706<span class=\"ls0\"> </span></div></td></tr></table>Mittels Backt<span class=\"_ _0\"></span>esting erfolgt <span class=\"_ _0\"></span>eine \u00dcb<span class=\"_ _0\"></span>erpr\u00fcfung <span class=\"_ _0\"></span>der G\u00fcte <span class=\"_ _0\"></span>des st<span class=\"_ _0\"></span>atistischen Modells, <span class=\"_ _0\"></span>also d<span class=\"_ _0\"></span>er Vergleich der <span class=\"_ _0\"></span>gesch\u00e4tzten<span class=\"_ _0\"></span> 1<span class=\"_ _1\"></span>-Tages-<span class=\"_ _128\"> </span>Value-<span class=\"lsd\">at</span>-Risk <span class=\"_ _42\"> </span>Werte <span class=\"_ _12\"></span>mit <span class=\"_ _42\"> </span>den <span class=\"_ _12\"></span>tats\u00e4<span class=\"_ _0\"></span>chlichen <span class=\"_ _42\"></span>Ergebnissen. <span class=\"_ _12\"></span>Die <span class=\"_ _42\"></span>Backtestingergebnisse <span class=\"_ _42\"></span>weisen <span class=\"_ _12\"></span>im <span class=\"_ _42\"></span>abgelaufenen <span class=\"_ _42\"></span>Gesch\u00e4ftsjahr<span class=\"_ _128\"> </span>keine \u00dcberschreitun<span class=\"_ _0\"></span>gen auf und k\u00f6nnen der nachfolgenden<span class=\"_ _0\"></span> Grafik entnommen werd<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span>Backtesting VaR-<span class=\"ffb\">Modell 2022 i<span class=\"_ _0\"></span>n Tsd. \u20ac</span> Neben dem Value-<span class=\"lsd\">at</span>-Risk-Limit <span class=\"_ _0\"></span>werden zus\u00e4tzliche risikobegrenzende Limits w<span class=\"_ _0\"></span>ie Stop<span class=\"_ _0\"></span>-Loss-Limits und Volumenlimits zur<span class=\"_ _0\"></span> Steuerung des Risikos eingesetzt.<span class=\"_ _0\"></span> Das Devisenkursrisiko als Teil des Markt<span class=\"_ _0\"></span>risikos wird ebenfalls von der Abteilung Treasury &amp; Handel geste<span class=\"_ _1\"></span>uert. Die folgende<span class=\"_ _128\"> </span>Tabelle zeigt die offenen Devisenp<span class=\"_ _0\"></span>ositionen der Oberbank AG.<span class=\"_ _0\"></span> <table class=\"s w473 h219\" id=\"_66bbaf70-2dc9-4875-b7a1-34bafa4f0d40\"><tr><td></td><td class=\"c x39e y17ac w1af hc\" colspan=\"2\"><div class=\"t m0 x47 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Volumen in Tsd. \u20ac<span class=\"ff5\"> </span></div></td><td></td><td class=\"c x39f y17ac w1af hc\" colspan=\"2\"><div class=\"t m0 x47 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">Volumen in Tsd. \u20ac<span class=\"ff5\"> </span></div></td></tr><tr><td></td><td class=\"c x39e y17ad w86 h12\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17ad w1b2 h12\" colspan=\"2\"><div class=\"t m0 x6c h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td><td class=\"c x39f y17ad w89 h12\"><div class=\"t m0 x79 h6 y7e ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2022<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17ad w1b3 h12\"><div class=\"t m0 x6c h6 y7f ff5 fs2 fc2 sc0 ls2 ws0\">31.12.2021<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17ae w1ae h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">AUD </div></td><td class=\"c x39e y17ae w86 h26\"><div class=\"t m0 x14 h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">43<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17ae w1b2 h26\"><div class=\"t m0 x14 h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">17</span> </div></td><td class=\"c x3a2 y17ae w1b1 h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">MXN </div></td><td class=\"c x39f y17ae w89 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">11<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17ae w1b3 h26\"><div class=\"t m0 xe h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">72<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17af w1ae h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls3f ws0\">CHF<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17af w86 h26\"><div class=\"t m0 x3f h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">458</span> </div></td><td class=\"c x3a0 y17af w1b2 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">101<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17af w1b1 h26\"><div class=\"t m0 x90 h6 y355 ff5 fs2 fc2 sc0 ls0 ws0\">HKD </div></td><td class=\"c x39f y17af w89 h26\"><div class=\"t m0 x2c h5 y355 ff4 fs2 fc2 sc0 ls2 ws0\">42<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17af w1b3 h26\"><div class=\"t m0 x41 h5 y355 ff4 fs2 fc2 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x1dc y17b0 w1ae h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">USD </div></td><td class=\"c x39e y17b0 w86 h12\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">403<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b0 w1b2 h12\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">7.926 </div></td><td class=\"c x3a2 y17b0 w1b1 h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">JPY </div></td><td class=\"c x39f y17b0 w89 h12\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">30<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17b0 w1b3 h12\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">36</span> </div></td></tr><tr><td class=\"c x1dc y17b1 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls40 ws0\">GBP<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17b1 w86 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">228</span> </div></td><td class=\"c x3a0 y17b1 w1b2 hc\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">336<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b1 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">RON </div></td><td class=\"c x39f y17b1 w89 hc\"><div class=\"t m0 x10 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">9 </div></td><td class=\"c x3a1 y17b1 w1b3 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">89<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17b2 w1ae hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">HUF </div></td><td class=\"c x39e y17b2 w86 hc\"><div class=\"t m0 x9f h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-3.547 </div></td><td class=\"c x3a0 y17b2 w1b2 hc\"><div class=\"t m0 x4a h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-3.615 </div></td><td class=\"c x3a2 y17b2 w1b1 hc\"><div class=\"t m0 x90 h6 y369 ff5 fs2 fc2 sc0 ls0 ws0\">NZD </div></td><td class=\"c x39f y17b2 w89 hc\"><div class=\"t m0 x2e h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-1 </div></td><td class=\"c x3a1 y17b2 w1b3 hc\"><div class=\"t m0 x11 h5 y369 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">104</span> </div></td></tr><tr><td class=\"c x1dc y17b3 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">SEK </div></td><td class=\"c x39e y17b3 w86 hc\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">188<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b3 w1b2 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">60<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b3 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls3f ws0\">CZK<span class=\"ls0\"> </span></div></td><td class=\"c x39f y17b3 w89 hc\"><div class=\"t m0 x9f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-4.800 </div></td><td class=\"c x3a1 y17b3 w1b3 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">5.021 </div></td></tr><tr><td class=\"c x1dc y17b4 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls3f ws0\">CAD<span class=\"ls0\"> </span></div></td><td class=\"c x39e y17b4 w86 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">91<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b4 w1b2 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">19</span> </div></td><td class=\"c x3a2 y17b4 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Sonst. W\u00e4hrungen Long </div></td><td class=\"c x39f y17b4 w89 hc\"><div class=\"t m0 x11 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">184<span class=\"ls0\"> </span></div></td><td class=\"c x3a1 y17b4 w1b3 hc\"><div class=\"t m0 x2c h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">157<span class=\"ls0\"> </span></div></td></tr><tr><td class=\"c x1dc y17b5 w1ae hbc\"><div class=\"t m0 x90 h6 yaf7 ff5 fs2 fc2 sc0 ls0 ws0\">CNY </div></td><td class=\"c x39e y17b5 w86 hbc\"><div class=\"t m0 x11 h5 yaf7 ff4 fs2 fc2 sc0 ls2 ws0\">119<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b5 w1b2 hbc\"><div class=\"t m0 xe h5 yaf7 ff4 fs2 fc2 sc0 ls2 ws0\">40<span class=\"ls0\"> </span></div></td><td class=\"c x2e1 y17b6 w474 h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Sonst. W\u00e4hrungen<span class=\"_ _128\"> </span></div></td><td class=\"c x39f y17b5 w89 hbc\"><div class=\"t m0 xc h5 yaf7 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">12</span> </div></td><td class=\"c x3a1 y17b5 w1b3 hbc\"><div class=\"t m0 x14 h5 yaf7 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">61</span> </div></td></tr><tr><td></td><td></td><td></td><td class=\"c x2e1 y17b7 w475 h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Short<span class=\"_ _128\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x1dc y17b8 w1ae hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">DKK </div></td><td class=\"c x39e y17b8 w86 hc\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">37<span class=\"ls0\"> </span></div></td><td class=\"c x3a0 y17b8 w1b2 hc\"><div class=\"t m0 xe h5 y87 ff4 fs2 fc2 sc0 ls2 ws0\">48<span class=\"ls0\"> </span></div></td><td class=\"c x3a2 y17b8 w1b1 hc\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">Gold </div></td><td class=\"c x39f y17b8 w89 hc\"><div class=\"t m0 x5b h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">3.122 </div></td><td class=\"c x3a1 y17b8 w1b3 hc\"><div class=\"t m0 x3f h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">2.526 </div></td></tr><tr><td class=\"c x1dc y17b9 w1ae h12\"><div class=\"t m0 x90 h6 y87 ff5 fs2 fc2 sc0 ls0 ws0\">NOK </div></td><td class=\"c x39e y17b9 w86 h12\"><div class=\"t m0 xc h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">19</span> </div></td><td class=\"c x3a0 y17b9 w1b2 h12\"><div class=\"t m0 x14 h5 y87 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"ls2\">37</span> </div></td><td></td><td></td><td></td></tr></table>Die Ermittlung des Marktrisikos im <span class=\"_ _0\"></span>Verantw<span class=\"_ _0\"></span>ortungsbereich der Abteilung Treasury &amp; Hand<span class=\"_ _0\"></span>el f\u00fcr den Liquidationsansatz im<span class=\"_ _128\"> </span>ICAAP erfolgt mit dem gleichen Mod<span class=\"_ _0\"></span>ell wie oben beschrieben, allerdings mit dem einheitlichen Konfid<span class=\"_ _0\"></span>enzniveau von 99,9 %<span class=\"_ _128\"> </span>und einer Haltedauer von einem Jahr<span class=\"_ _0\"></span>. Per 31.12.2022 <span class=\"_ _0\"></span>ergab sich ein Marktrisiko im Veran<span class=\"_ _0\"></span>twortungsbereich der Abteilung<span class=\"_ _128\"> </span>Treasury &amp; Handel von 6,5 M<span class=\"_ _0\"></span>io. EUR (Vorjahr: 5,1 Mio. EUR).<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Steuerung der Marktrisiken in der Verantwortung des Akti<span class=\"_ _0\"></span>v-P<span class=\"_ _0\"></span>assiv-Management-Kom<span class=\"_ _0\"></span>itees<span class=\"_ _128\"> </span>Das APM-Komit<span class=\"_ _0\"></span>ee ist f\u00fcr die Steuerung des Zins\u00e4<span class=\"_ _0\"></span>nderungsrisikos der langfristigen Positionen (Zinsbindun<span class=\"_ _0\"></span>gen &gt; 12 Monate)<span class=\"_ _128\"> </span>f\u00fcr die W\u00e4hrungen EU<span class=\"_ _0\"></span>R, USD, CZK und HUF, f\u00fcr die strategischen Aktien<span class=\"_ _0\"></span>- <span class=\"_ _0\"></span>und Fondspositionen im Bankbu<span class=\"_ _0\"></span>ch sowie f\u00fcr das<span class=\"_ _128\"> </span>Credit Spread Risiko zu<span class=\"_ _0\"></span>st\u00e4ndig.<span class=\"_ _128\"> </span>Das APM-Komit<span class=\"_ _0\"></span>ee tritt monatlich zusammen. Mitglieder des Komitees sind d<span class=\"_ _0\"></span>er Risikovorstand sowie Vertreter der <span class=\"_ _0\"></span> Abteilungen Strategisches Risikomanagement, T<span class=\"_ _0\"></span>reasury &amp; Handel, Rechnungsw<span class=\"_ _0\"></span>esen und Controlling, Private Banking &amp; A<span class=\"_ _0\"></span>s-<span class=\"_ _128\"> </span>set Management, Kred<span class=\"_ _0\"></span>it-Management, Corporate &amp; International <span class=\"_ _0\"></span>Finance, Privat<span class=\"_ _0\"></span>kunden, Sekretariat &amp; Kommunikation, In-<span class=\"_ _128\"> </span>terne Revision und Co<span class=\"_ _0\"></span>mpliance.<span class=\"_ _128\"> </span>Zins\u00e4nderungsrisiko im Bankbuch<span class=\"_ _0\"></span> Das Eingehen des Zins\u00e4nd<span class=\"_ _0\"></span>erungsrisikos, das den Hauptteil des Marktrisikos im Bankbu<span class=\"_ _0\"></span>ch darstellt, ist ein wesentlicher <span class=\"_ _0\"></span> Bestandteil des Ban<span class=\"_ _0\"></span>kgesch\u00e4fts sowie eine wichtige Ertragsquelle und<span class=\"_ _0\"></span> erfordert eine ad\u00e4quate Ber\u00fccksichtigung im <span class=\"_ _1\"></span> Risikomanagement. Die st<span class=\"_ _0\"></span>rategische Ausrichtung zielt gru<span class=\"_ _0\"></span>nds\u00e4tzlich darauf ab, unter bewusst<span class=\"_ _0\"></span>er Inkaufnahme eines <span class=\"_ _0\"></span> kalkulierbaren und a<span class=\"_ _0\"></span>ktiv gesteuerten Risikos Ertr\u00e4ge zu lukrieren. Zur Stabilisierung d<span class=\"_ _0\"></span>es Zinsertrags sowie zur Erzielung von<span class=\"_ _1\"></span> zus\u00e4tzlichen Zinsergebnissen aus d<span class=\"_ _0\"></span>er Frist<span class=\"_ _0\"></span>entransformation wird eine kontinuierliche Veranlagu<span class=\"_ _0\"></span>ngsstrategie in Position<span class=\"_ _0\"></span>en<span class=\"_ _128\"> </span>mit l\u00e4ngerfristiger Zinsbindung verfolgt. <span class=\"_ _0\"></span>F\u00fcr die interne Steuerung des Zins\u00e4<span class=\"_ _0\"></span>nderungsrisikos im Bankbuch gem\u00e4\u00df EBA Leitli-<span class=\"_ _128\"> </span>nie 2018/02 kommen die klassischen<span class=\"_ _0\"></span> Methoden der Zin<span class=\"_ _0\"></span>sbindungs-Analysen (D<span class=\"_ _0\"></span>arstellung von Zinsbindungs<span class=\"_ _0\"></span>-Gaps, Ermittlung<span class=\"_ _128\"> </span>von Zinssensitivit\u00e4tsanalys<span class=\"_ _0\"></span>en) zur Anwendung. Das Ausma\u00df des Zins\u00e4n<span class=\"_ _0\"></span>derungsrisikos wird mittels Analyse der Ba<span class=\"_ _0\"></span>rwertver\u00e4n-<span class=\"_ _128\"> </span>derungen der Positionen d<span class=\"_ _0\"></span>es Bankbuchs unter der Annahme verschiedener Zinss<span class=\"_ _1\"></span>zenarien ermittelt. Zus\u00e4tzlich zur Ba<span class=\"_ _0\"></span>rwert-<span class=\"_ _128\"> </span>betrachtung wird auch quart<span class=\"_ _0\"></span>alsweise eine Zinsergebnissimulation unt<span class=\"_ _0\"></span>er verschiedenen adversen Szenarien durchgef\u00fch<span class=\"_ _0\"></span>rt.<span class=\"_ _128\"> </span>Dabei wird je Szenario die Abweichung d<span class=\"_ _0\"></span>es GuV<span class=\"_ _0\"></span>-Ergebnisses vom Budget in den einzelnen Jah<span class=\"_ _0\"></span>ren sowi<span class=\"_ _0\"></span>e kumuliert f\u00fcr einen<span class=\"_ _128\"> </span>3-Jahres Horizont dargestellt.<span class=\"_ _128\"> </span>Folgende Grafik zeigt die Zinsbindungs<span class=\"_ _0\"></span>-<span class=\"ls35\">Gap</span>-Analyse, v<span class=\"_ _0\"></span>erglichen mit den Jahresultimo<span class=\"_ _0\"></span>-Werten des Vorjahres:<span class=\"_ _128\"> </span>Zinsbindungsgaps Bankbuchpositionen (Vergleich 31.12.2022 <span class=\"_ _0\"></span>mit 31.12.2021)<span class=\"_ _0\"></span> Die Ermittlung d<span class=\"_ _0\"></span>es Zins\u00e4nderungsrisikos im Liquidationsansatz des ICAA<span class=\"_ _0\"></span>P erfolgt auf Basis eines EVE<span class=\"_ _0\"></span>-Modells (Econ<span class=\"_ _0\"></span>omic Va<span class=\"_ _128\"> </span>lue of Equity). Das zu<span class=\"_ _0\"></span>grunde liegende Szenario entspricht j\u00e4hrlichen Zins\u00e4nderungen,<span class=\"_ _0\"></span> die mit einer Wahrscheinlichkeit von<span class=\"_ _128\"> </span>99,9% nicht \u00fcberschritten werd<span class=\"_ _0\"></span>en. Die Kalibrierung d<span class=\"_ _0\"></span>es Zinsschocks in den einzelnen Hauptw\u00e4hrungen EU<span class=\"_ _0\"></span>R, USD, CZK und<span class=\"_ _128\"> </span>HUF orientiert sich dabei an d<span class=\"_ _0\"></span>er BCBS Publikation Zins\u00e4nderungsrisiko im Anlagebu<span class=\"_ _0\"></span>ch (BCBS d319). Nicht zinstr<span class=\"_ _0\"></span>agende Posi<span class=\"_ _128\"> </span>onen werden nicht<span class=\"_ _0\"></span> ber\u00fccksichtigt. Per 31.12.2022 ergab sich ei<span class=\"_ _0\"></span>n Zins\u00e4nderun<span class=\"_ _0\"></span>gsrisiko im Bankbuch von 185,29 Mio. Euro<span class=\"_ _128\"> </span>(Vorjahr: 180,50 Mio. Euro<span class=\"_ _0\"></span>).<span class=\"_ _128\"> </span>Credit Spread Risiko<span class=\"_ _128\"> </span>Der Credit Spread stellt eine Risikop<span class=\"_ _0\"></span>r\u00e4mie f\u00fcr die mit der Investition \u00fcbern<span class=\"_ _0\"></span>ommenen Kreditrisiken dar. Der Credit Spread<span class=\"_ _128\"> </span>wird als Rendited<span class=\"_ _0\"></span>ifferenz zwischen einer Anleihe und einer risikofreien Referenzanleihe bestimmt<span class=\"_ _0\"></span>. Die Messung des Risikos<span class=\"_ _128\"> </span>erfolgt auf Basis von Barw<span class=\"_ _0\"></span>ertschwankungen des Anleiheportfolios aufgrund der Markt\u00e4nderungen der Cred<span class=\"_ _0\"></span>it Spreads bei<span class=\"_ _128\"> </span>gleichbleibender Bonit\u00e4t d<span class=\"_ _0\"></span>es Schuldn<span class=\"_ _0\"></span>ers. Das Credit Spread Risiko wird mit einem Konfidenzniveau von<span class=\"_ _0\"></span> 99,9 % und einer<span class=\"_ _128\"> </span>Haltedauer von 1 Jahr<span class=\"_ _0\"></span> berechnet. Zum 31.12.2022 errechnete sich auf diese Weise ein Wert von<span class=\"_ _0\"></span> 51,41 Mio. Euro (Vorjahr<span class=\"_ _128\"> </span>29,51 Mio. Euro).<span class=\"_ _128\"> </span>46) Makro\u00f6konomische Risiken<span class=\"_ _128\"> </span>Als makro\u00f6konomische Risiken werd<span class=\"_ _0\"></span>en jene Verlustpotenziale bezeichnet, die sich aus Ver<span class=\"_ _0\"></span>\u00e4nderungen des makro<span class=\"_ _1\"></span>-<span class=\"_ _128\"> </span>\u00f6konomischen Umfelds ergeben (Versch<span class=\"_ _0\"></span>lechterungen der realen BIP<span class=\"_ _0\"></span>-Wachstu<span class=\"_ _0\"></span>msrate, wesentlicher Anstieg der Arbeitslosigkeit und der Inso<span class=\"_ _0\"></span>lvenzen, R\u00fcckgang d<span class=\"_ _0\"></span>er Aktienkurse und des Immob<span class=\"_ _0\"></span>ilienmarkts, ...).<span class=\"_ _128\"> </span>Die Auswirkungen einer vo<span class=\"_ _0\"></span>lkswirtschaftlichen Krise werden mittels erh\u00f6hten Au<span class=\"_ _0\"></span>sfallswahrscheinlichkeiten bei Krediten,<span class=\"_ _128\"> </span>R\u00fcckg\u00e4ngen der Mar<span class=\"_ _0\"></span>ktwerte von Immobilien und R\u00fcckg\u00e4ngen der Finanzm\u00e4rkt<span class=\"_ _0\"></span>e dargestellt. Der <span class=\"_ _0\"></span>R\u00fcckgang wirkt sich sowohl<span class=\"_ _128\"> </span>bei den Verm\u00f6genswerten<span class=\"_ _0\"></span> der Bank als auch bei den hereingenommenen Sicherheiten n<span class=\"_ _0\"></span>egativ aus.<span class=\"_ _0\"></span> Das errechnete makro\u00f6<span class=\"_ _0\"></span>konomische Risiko betrug zum 31.12.2022 109,99 Mio. E<span class=\"_ _0\"></span>uro (Vorjahr: 105,54 Mio. Euro).<span class=\"_ _0\"></span> ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "Liquidit\u00e4tsrisiko<span class=\"_ _128\"> </span>Das Management d<span class=\"_ _0\"></span>er langfristigen bzw. strategischen Liquidit\u00e4t erfolgt durch das A<span class=\"_ _0\"></span>PM<span class=\"_ _0\"></span>-Komitee. F\u00fcr die kurzfrist<span class=\"_ _0\"></span>ige Liquidi-<span class=\"_ _128\"> </span>t\u00e4tssteuerung ist die Abteilung Treas<span class=\"_ _0\"></span>ury &amp; Handel zust\u00e4nd<span class=\"_ _0\"></span>ig.<span class=\"_ _128\"> </span>48) Liquidit\u00e4tsrisiko<span class=\"_ _128\"> </span>Das Liquidit\u00e4tsrisiko (oder auch Refinanzierungsr<span class=\"_ _0\"></span>isiko) ist das Risiko, dass eine Bank ihren Zah<span class=\"_ _0\"></span>lungsverpflichtungen nicht je-<span class=\"_ _128\"> </span>derzeit oder nur zu erh\u00f6hten<span class=\"_ _0\"></span> Kosten nachkommen kann.<span class=\"_ _0\"></span> Das Liquidit\u00e4tsrisiko wird in d<span class=\"_ _0\"></span>as Zahlungsunf\u00e4higkeitsrisiko und das Liq<span class=\"_ _0\"></span>uidit\u00e4tsspreadrisiko eingeteilt. Als <span class=\"_ _1\"></span> Zahlungsunf\u00e4higkeitsrisiko oder auch Liqu<span class=\"_ _0\"></span>idit\u00e4tsrisiko im engeren Sinn gilt die Gefahr, dass d<span class=\"_ _0\"></span>ie Bank ihren gegenw\u00e4rtigen<span class=\"_ _128\"> </span>und zuk\u00fcnftigen Zahlun<span class=\"_ _0\"></span>gsverpflichtungen n<span class=\"_ _0\"></span>icht mehr vollst\u00e4ndig oder nicht fristgerecht n<span class=\"_ _0\"></span>achkommen kann. Es ergibt sich<span class=\"_ _128\"> </span>aus dem Terminrisiko <span class=\"_ _0\"></span>(Risiko, dass sich vereinbarte Zahlungseing\u00e4nge <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> z. B. Kredittilgungen <span class=\"_ _0\"></span><span class=\"ff9\">\u2013</span> verz\u00f6gern und so<span class=\"_ _0\"></span> die entspre-<span class=\"_ _128\"> </span>chende Liquidit\u00e4t fehlt), dem Abr<span class=\"_ _0\"></span>ufris<span class=\"_ _0\"></span>iko (Risiko, dass Zahlungsmittel vorzeitig oder unerw<span class=\"_ _0\"></span>artet hoch in Anspruch genommen<span class=\"_ _128\"> </span>werden, wie der Abruf von E<span class=\"_ _0\"></span>inlagen oder Kreditzusagen) und dem Anschlussfinan<span class=\"_ _0\"></span>zierungsrisiko (Risiko, dass bei l\u00e4ngeren<span class=\"_ _128\"> </span>Kapitalbindun<span class=\"_ _0\"></span>gsfristen auf der Aktivseite der Bilanz<span class=\"_ _0\"></span> die Anschlussfinanzierung nicht d<span class=\"_ _0\"></span>argestellt werden kann). Zus\u00e4tzlich zu<span class=\"_ _128\"> </span>den Risiken, die eine m\u00f6gliche Zahlu<span class=\"_ _0\"></span>ngsunf\u00e4higkeit ausl\u00f6sen, besteht das Risiko, dass Refinanzierun<span class=\"_ _0\"></span>gsmittel f\u00fcr Anschlussfi-<span class=\"_ _128\"> </span>nanzierungen nur zu erh<span class=\"_ _0\"></span>\u00f6hten Marktzinsen (Spreads) b<span class=\"_ _0\"></span>eschafft werd<span class=\"_ _0\"></span>en k\u00f6nnen und sich somit der Gewinn verringert (Liqu<span class=\"_ _0\"></span>i-<span class=\"_ _128\"> </span>dit\u00e4tsspreadrisiko).<span class=\"_ _128\"> </span>Prim\u00e4re Ziele des Liquidit\u00e4tsmanagements sind<span class=\"_ _0\"></span> die Sicherstellung der jederzeitigen Zahlu<span class=\"_ _0\"></span>ngsf\u00e4higkeit und die Optimierung<span class=\"_ _128\"> </span>der Refinanzierungsstruktur in Bezug auf Risiko u<span class=\"_ _0\"></span>nd Erge<span class=\"_ _0\"></span>bnis.<span class=\"_ _128\"> </span>Um das Risiko einer Abh\u00e4n<span class=\"_ _0\"></span>gigkeit der Refinanzierung vom volatilen Bankengeldmarkt<span class=\"_ _0\"></span> zu limitieren, ist das Verh\u00e4ltnis von<span class=\"_ _128\"> </span>Kundenkrediten zu Prim\u00e4reinlagen plu<span class=\"_ _0\"></span>s Eigenen Emissionen plus E<span class=\"_ _0\"></span>inlagen von F\u00f6rderbanken mit einem strategischen Limit<span class=\"_ _128\"> </span>von 110 % begrenzt. D<span class=\"_ _0\"></span>ie Strategische Liquidit\u00e4tskennzah<span class=\"_ _0\"></span>l (SLK) betrug zum 31.12.2022 90,4% (Vorja<span class=\"_ _0\"></span>hr: 90,0%). <span class=\"_ _0\"></span> Die Oberbank AG h\u00e4lt ein a<span class=\"_ _0\"></span>ngemessenes Polster (Liquidit\u00e4tspuffer) an freiem Refinanzierungsp<span class=\"_ _0\"></span>otential in Form von <span class=\"_ _1\"></span> refinanzierungsf\u00e4higen Wertp<span class=\"_ _0\"></span>apieren und Kred<span class=\"_ _0\"></span>itforderungen bei den Zentralbanken s<span class=\"_ _0\"></span>owie Zentralbankguthaben. <span class=\"_ _0\"></span>Die Ange-<span class=\"_ _128\"> </span>messenheit des Liquidit\u00e4t<span class=\"_ _0\"></span>spuffers wird monatlich durch Liquidit\u00e4tsstresstest<span class=\"_ _0\"></span>s \u00fcberpr\u00fcft. <span class=\"_ _0\"></span>Dar\u00fcber hinaus steht d<span class=\"_ _0\"></span>er Oberbank<span class=\"_ _128\"> </span>AG ein Potenzial an ungenutzten Bankenlin<span class=\"_ _0\"></span>ien zur Verf\u00fcgung. Ei<span class=\"_ _0\"></span>n weiterer strategischer Grundsat<span class=\"_ _0\"></span>z ist die m\u00f6glichst hohe<span class=\"_ _128\"> </span>Diversifizierung der Refinanzierun<span class=\"_ _0\"></span>gsquellen, um Abh\u00e4ngigkeiten vom Interbankengeldmarkt<span class=\"_ _0\"></span> und Kapitalmarkt zu vermeiden.<span class=\"_ _128\"> </span>Dies umfasst auch d<span class=\"_ _0\"></span>en aktiven Umgang mit verpf\u00e4ndun<span class=\"_ _0\"></span>gsf\u00e4higen Sicherheiten bei d<span class=\"_ _0\"></span>er Vergabe von Krediten<span class=\"_ _0\"></span>.<span class=\"_ _128\"> </span>Regulatorische Liquidit\u00e4tskennzahlen<span class=\"_ _0\"></span> Die LCR definiert den Min<span class=\"_ _0\"></span>destbestand an (hoch)liquiden Aktiva, die die Bank als Liq<span class=\"_ _0\"></span>uidit\u00e4tsreserve vorhalten muss, um \u00fcb<span class=\"_ _0\"></span>er<span class=\"_ _128\"> </span>einen Zeitraum von 30 Tagen auft<span class=\"_ _0\"></span>retende Nettozahlungsverpflichtungen i<span class=\"_ _0\"></span>m Falle einer Stressp<span class=\"_ _0\"></span>hase nachkommen zu k\u00f6nn<span class=\"_ _0\"></span>en.<span class=\"_ _128\"> </span>Die LCR per 31.12.2022 betrug 179,8%<span class=\"_ _0\"></span> (31.12.2021: 203,5%).<span class=\"_ _0\"></span> Die NSFR ist ein Mindestst<span class=\"_ _0\"></span>andard zur Verringerung des Refinanzierungsrisikos \u00fcb<span class=\"_ _0\"></span>er einen l\u00e4ngeren Zeithorizont. Die struktu-<span class=\"_ _128\"> </span>relle Liquidit\u00e4tsquot<span class=\"_ _0\"></span>e soll eine nachhaltige Refinanzierungsstruktur sicherst<span class=\"_ _0\"></span>ellen, indem sie die Fristentransformation zwi-<span class=\"_ _128\"> </span>schen Aktivgesch\u00e4ft einerseits und<span class=\"_ _0\"></span> der Refinanzierung andererseits begrenzt und somit das<span class=\"_ _0\"></span> Risiko k\u00fcnftiger Refinanzierungs-<span class=\"_ _128\"> </span>probleme vermindert<span class=\"_ _0\"></span>. Die NSFR per 31.12.2022 betru<span class=\"_ _0\"></span>g 132,3% (31.12.2021: 137,6%). <span class=\"_ _7\"> </span> Verantwortung f\u00fcr das Liquidit\u00e4tsrisikomanagement<span class=\"_ _0\"></span> Die Abteilung Strategisches Risikoman<span class=\"_ _0\"></span>agement ist f\u00fcr das operative Berichtsw<span class=\"_ _0\"></span>esen und die Einstellung und \u00dcberwachung<span class=\"_ _128\"> </span>der entsprechenden Risikolimits verantwo<span class=\"_ _0\"></span>rtlich. Eb<span class=\"_ _0\"></span>enso ist die Abteilung Strategisches Risikomanagement f\u00fcr<span class=\"_ _0\"></span> die Weiterent-<span class=\"_ _128\"> </span>wicklung und die Wartung d<span class=\"_ _0\"></span>er verwendeten Modelle zur Risikosteuerung, f\u00fcr die Parametr<span class=\"_ _0\"></span>isierung der Liquidit\u00e4tsablaufbi-<span class=\"_ _128\"> </span>lanzen sowie f\u00fcr das Backtesting der M<span class=\"_ _0\"></span>odelle zust\u00e4ndig.<span class=\"_ _0\"></span> Kurzfristige Liquidit\u00e4tssteuerung<span class=\"_ _0\"></span> Die Abteilung Treasury <span class=\"_ _0\"></span>&amp; Handel ist f\u00fcr die kurzfristige, t\u00e4gliche Liquidit\u00e4tssteuerung in a<span class=\"_ _0\"></span>llen W\u00e4hrungen verantwortlich. Di<span class=\"_ _1\"></span><span class=\"lsc\">e<span class=\"_ _128\"> </span></span>t\u00e4gliche Steuerung der Liqu<span class=\"_ _0\"></span>idit\u00e4t erfolgt mittels einer kurzfristigen Liquidit\u00e4tsablaufbilanz. Es wi<span class=\"_ _1\"></span>rd t\u00e4glich von der Abteilun<span class=\"_ _0\"></span>g<span class=\"_ _128\"> </span>Strategisches Risikomanagement<span class=\"_ _0\"></span> eine Liquidit\u00e4tsablaufbilanz inklusive Neugesch\u00e4ftsann<span class=\"_ _0\"></span>ahmen f\u00fcr die n\u00e4chsten 30 Tage<span class=\"_ _128\"> </span>erstellt, die die Nettomittelzu<span class=\"_ _0\"></span>- bzw. -abfl\u00fcsse so<span class=\"_ _0\"></span>wie den akkumulierten Gap der Bank darst<span class=\"_ _0\"></span>ellt. Die Zentralbank<span class=\"_ _0\"></span>guthaben<span class=\"_ _128\"> </span>abz\u00fcglich Mindestr<span class=\"_ _0\"></span>eserveerfordernis und die freien unkommittierten Interb<span class=\"_ _0\"></span>anklinien (unkommittierte Interbanklinien abz\u00fc-<span class=\"_ _128\"> </span>glich tats\u00e4chlicher bzw. geplan<span class=\"_ _0\"></span>ter Ausnutzung) werden als Limitlin<span class=\"_ _0\"></span>ie dargestellt und bilden die Coun<span class=\"_ _0\"></span>terbalancing Capacity.<span class=\"_ _0\"></span> Dar\u00fcber hinaus wird f\u00fcr die n\u00e4chsten 30 T<span class=\"_ _0\"></span>age eine Liquidit\u00e4tsablaufbilanz erstellt, die auf t<span class=\"_ _0\"></span>\u00e4glicher Basis nur die kontraktu<span class=\"_ _1\"></span>el-<span class=\"_ _128\"> </span>len Cashflows der Ob<span class=\"_ _0\"></span>erbank AG darstellt.<span class=\"_ _128\"> </span>Liquidit\u00e4tsablaufbilanz inkl. Neugesch\u00e4ftsannahmen 30 Tage per 31.12.20<span class=\"_ _0\"></span>22 in Mio. \u20ac<span class=\"_ _0\"></span><span class=\"ff5\"> </span>Steuerung der langfristigen bzw. strategischen Liquidit\u00e4t<span class=\"_ _0\"></span> Die Steuerung der lan<span class=\"_ _0\"></span>gfristigen bzw. strategischen Liquidit\u00e4t der Oberban<span class=\"_ _0\"></span>k AG liegt in der Zust\u00e4ndigkeit des Vorstands und<span class=\"_ _128\"> </span>des APM-Komitees. Das Rep<span class=\"_ _0\"></span>orting erfolgt durch die Abteilung Strategisches<span class=\"_ _0\"></span> Risikoman<span class=\"_ _0\"></span>agement. Zur Darstellung des mittel<span class=\"_ _0\"></span>-<span class=\"_ _128\"> </span>und langfristigen Liquid<span class=\"_ _0\"></span>it\u00e4tsrisikomanagements der Bank wird eine umfassende Liqu<span class=\"_ _0\"></span>idit\u00e4tsablaufbilanz erstellt, in der die aus<span class=\"_ _1\"></span> den Gesch\u00e4ften resu<span class=\"_ _0\"></span>ltierenden Zahlungsstr\u00f6me pro Laufzeitband aufsummiert w<span class=\"_ _0\"></span>erden.<span class=\"_ _0\"></span> Zur Steuerung des Liqu<span class=\"_ _0\"></span>idit\u00e4tsrisikos in den einzelnen W\u00e4hrungen werden d<span class=\"_ _0\"></span>ie Liquidit\u00e4tsgaps f\u00fcr die wesentlichen <span class=\"_ _1\"></span> W\u00e4hrungen (EUR, USD,<span class=\"_ _0\"></span> CZK und HUF) einzeln berichtet.<span class=\"_ _0\"></span> <span class=\"_ _7\"> </span> Liquidit\u00e4tsablaufbilanz mittel- bis langfr<span class=\"_ _0\"></span>istig f\u00fcr alle W\u00e4hrungen per 31.12.2022 und 31.1<span class=\"_ _0\"></span><span class=\"ffb\">2.2<span class=\"_ _0\"></span>021 in Mio. \u20ac</span> In der Kapitalbindun<span class=\"_ _0\"></span>gsbilanz (ohne Neugesch\u00e4ftsannahmen) l\u00e4sst sich a<span class=\"_ _0\"></span>m Ende des 1.Jahres ein Refinanzierun<span class=\"_ _0\"></span>gserfordernis<span class=\"_ _128\"> </span>von 3,5 Mrd Euro (Vorjahr<span class=\"_ _0\"></span>: 2,1 Mrd. Euro) erkennen. Dies entspricht einer Fund<span class=\"_ _0\"></span>ing Ratio von 75,3 % (Vorjahr: 84,7 %<span class=\"_ _1\"></span>), womit<span class=\"_ _128\"> </span>das intern festgelegte Limit von 70 % ein<span class=\"_ _0\"></span>gehalten wird.<span class=\"_ _128\"> </span>Die Laufzeitenstruktur der f\u00fcr<span class=\"_ _0\"></span> Repotransaktionen hinterlegten Wertpapiere und Kred<span class=\"_ _0\"></span>ite stellt sich wie folgt dar:<span class=\"_ _1\"></span> <table class=\"s w476 h21a\" id=\"_4eecafa6-72ac-4ad1-93df-00c98ad4b0fb\"><tr><td class=\"c x3a4 y17ba w1b5 hc\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2022<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17ba w145 hc\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17ba w1b6 hc\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17ba w145 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17ba w1b6 hc\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y17bb w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y17bb w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">74.512 </div></td><td class=\"c x3a6 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">484.868 </div></td><td class=\"c x3a7 y17bb w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.379.657 </div></td><td class=\"c x3a8 y17bb w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">540.054 </div></td></tr><tr><td class=\"c x3a4 y17bc w1b5 h12\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">in Tsd. \u20ac per 31.12.2021<span class=\"ff8\"> </span></div></td><td class=\"c x3a5 y17bc w145 h12\"><div class=\"t m0 x37 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff8\"> </span></div></td><td class=\"c x3a6 y17bc w1b6 h12\"><div class=\"t m0 x2b h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff8\"> </span></div></td><td class=\"c x3a7 y17bc w145 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff8\"> </span></div></td><td class=\"c x3a8 y17bc w1b6 h12\"><div class=\"t m0 xc h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff8\"> </span></div></td></tr><tr><td class=\"c x3a4 y14f4 w1b5 hc\"><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Hinterlegte Wertpapiere und Kredite<span class=\"_ _0\"></span> </div></td><td class=\"c x3a5 y14f4 w145 hc\"><div class=\"t m0 x33 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">19.008 </div></td><td class=\"c x3a6 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">482.717 </div></td><td class=\"c x3a7 y14f4 w145 hc\"><div class=\"t m0 x4d h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.765.168 </div></td><td class=\"c x3a8 y14f4 w1b6 hc\"><div class=\"t m0 x2e h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">285.209 </div></td></tr></table>Zus\u00e4tzlich standen d<span class=\"_ _0\"></span>er Oberbank AG per <span class=\"_ _0\"></span>31.12.2022 Sicherheiten mit einem Deckungswert v<span class=\"_ _0\"></span>on 568,1 Mio. EUR (Vorjahr:<span class=\"_ _128\"> </span>599,4 Mio. Euro) au<span class=\"_ _0\"></span>s Reverse Repos mit der CNB zur Verf\u00fcgung, die jederzeit zur Liq<span class=\"_ _0\"></span>uidit\u00e4tsbeschaffung bei der CNB hin<span class=\"_ _0\"></span>ter-<span class=\"_ _128\"> </span>legt werden k\u00f6nnen. Der St<span class=\"_ _0\"></span>and der jederzeit abzugsf\u00e4higen Z<span class=\"_ _0\"></span>entralbankreserven<span class=\"_ _0\"></span> betrug per 31.12.2022 2.018 Mio. Euro<span class=\"_ _0\"></span> (Vorjahr: 4.046 Mio. Euro<span class=\"_ _0\"></span>). Die Ermittlung von Liqu<span class=\"_ _0\"></span>idit\u00e4ts-Gaps basiert auf kontraktuellen Cashflows. F\u00fc<span class=\"_ _0\"></span>r Positionen ohne<span class=\"_ _128\"> </span>definierte Kapitallaufzeit werd<span class=\"_ _0\"></span>en Annahmen getroffen (z. B. werden Sichteinla<span class=\"_ _0\"></span>gen a<span class=\"_ _0\"></span>ls 12-Monats-rollierende Posit<span class=\"_ _0\"></span>ionen,<span class=\"_ _128\"> </span>Sonstige Aktiva/Passiva als ro<span class=\"_ _0\"></span>llierende Langfristpositionen und Eigenkapital a<span class=\"_ _0\"></span>ls langfristige Position dargestellt).<span class=\"_ _1\"></span> Um die Auswirkungen von Liq<span class=\"_ _0\"></span>uidit\u00e4tskrisen darzustellen und die Angemessenheit des Liquidit<span class=\"_ _0\"></span>\u00e4tspuff<span class=\"_ _0\"></span>ers <span class=\"_ _0\"></span>zu pr\u00fcfen, werden<span class=\"_ _128\"> </span>Stressszenarien gerechnet. Es werden<span class=\"_ _0\"></span> die Szenarien Verschlechterung der Reputat<span class=\"_ _0\"></span>ion, Marktkrise und als Worst Case eine<span class=\"_ _128\"> </span>Kombination dieser beiden s<span class=\"_ _0\"></span>imuliert. F\u00fcr extreme Marktverh\u00e4ltnisse wurde ein Not<span class=\"_ _0\"></span>fallplan ausgearbeitet.<span class=\"_ _0\"></span> Vertragliche Cashflows der finanziellen Verbindlic<span class=\"_ _0\"></span>hkeiten nach IFRS 7/39 a und b<span class=\"_ _0\"></span> <table class=\"s w477 h21b\" id=\"_e6c98e8e-ee8f-46ea-828e-145a69bd13a9\"><tr><td></td><td></td><td class=\"c x3a9 y17bd w478 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17be w1b7 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17be w40 h3b\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17be w40 h3b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17be w36 h3b\"><div class=\"t m0 x5c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17be w37 h3b\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17be w38 h3b\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17c0 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c1 w47a h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735  </div></td><td class=\"c x3b0 y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.669.838  </div></td><td class=\"c x3ac y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">901.757  </div></td><td class=\"c x3ad y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">514.536  </div></td><td class=\"c x3ae y17c2 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.275.062  </div></td><td class=\"c x3af y17c2 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x3a4 y17c3 w1b7 ha0\"><div class=\"t m0 xa6 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.292.756  </div></td><td class=\"c x3b0 y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.431.861  </div></td><td class=\"c x3ac y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">541.898  </div></td><td class=\"c x3ad y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">490.884  </div></td><td class=\"c x3ae y17c3 w37 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.420.594  </div></td><td class=\"c x3af y17c3 w38 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x178 y17c4 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c5 w47b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355  </div></td><td class=\"c x3b0 y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.166.224  </div></td><td class=\"c x3ac y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.539.885  </div></td><td class=\"c x3ad y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.023.651  </div></td><td class=\"c x3ae y17c6 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">415.079  </div></td><td class=\"c x3af y17c6 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">187.609  </div></td></tr><tr><td class=\"c x3a4 y17c7 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x3b0 y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.694.494  </div></td><td class=\"c x3ac y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.587  </div></td><td class=\"c x3ad y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.399  </div></td><td class=\"c x3ae y17c7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">928.253  </div></td><td class=\"c x3af y17c7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.622.255  </div></td></tr><tr><td class=\"c x3a4 y17c8 w1b7 h3b\"><div class=\"t m0 x90 h6 y9d8 ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712  </div></td><td class=\"c x3b0 y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">565.266  </div></td><td class=\"c x3ac y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.224  </div></td><td class=\"c x3ad y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.659  </div></td><td class=\"c x3ae y17c8 w37 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">299.672  </div></td><td class=\"c x3af y17c8 w38 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">202.712  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17cb w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.170  </div></td><td class=\"c x3b0 y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">232.977  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls2 ws0\">162</div></td><td class=\"c x3ad y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.734  </div></td><td class=\"c x3ae y17cb w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">138.091  </div></td><td class=\"c x3af y17cb w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.314  </div></td></tr></table><table class=\"s w477 h21c\" id=\"_c6cc4739-97b4-4c2f-ac26-9c00a26ec5f4\"><tr><td></td><td></td><td class=\"c x3a9 y17cc w478 h21d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17cd w1b7 ha0\"><div class=\"t m0 x90 h6 y81 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17cd w40 ha0\"><div class=\"t m0 x85 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17cd w40 ha0\"><div class=\"t m0 x59 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17cd w36 ha0\"><div class=\"t m0 x5c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17cd w37 ha0\"><div class=\"t m0 x47 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17cd w38 ha0\"><div class=\"t m0 x8c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17ce w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17cf w47a h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.337  </div></td><td class=\"c x3b0 y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.991.906  </div></td><td class=\"c x3ac y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.017.656  </div></td><td class=\"c x3ad y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">402.361  </div></td><td class=\"c x3ae y17d0 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.701.525  </div></td><td class=\"c x3af y17d0 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x3a4 y17d1 w1b7 h3b\"><div class=\"t m0 xa6 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.042.864  </div></td><td class=\"c x3b0 y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.088.338  </div></td><td class=\"c x3ac y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">425.994  </div></td><td class=\"c x3ad y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">401.074  </div></td><td class=\"c x3ae y17d1 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390.905  </div></td><td class=\"c x3af y17d1 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x178 y17d2 w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17d3 w47b h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589  </div></td><td class=\"c x3b0 y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.763.428  </div></td><td class=\"c x3ac y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.681.943  </div></td><td class=\"c x3ad y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">422.926  </div></td><td class=\"c x3ae y17d4 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">433.152  </div></td><td class=\"c x3af y17d4 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">225.408  </div></td></tr><tr><td class=\"c x3a4 y17d5 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.646  </div></td><td class=\"c x3b0 y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.339.361  </div></td><td class=\"c x3ac y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.952  </div></td><td class=\"c x3ad y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.286  </div></td><td class=\"c x3ae y17d5 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">806.118  </div></td><td class=\"c x3af y17d5 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.388.005  </div></td></tr><tr><td class=\"c x3a4 y17d6 w1b7 h3a\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368  </div></td><td class=\"c x3b0 y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.687  </div></td><td class=\"c x3ac y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.222  </div></td><td class=\"c x3ad y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.283  </div></td><td class=\"c x3ae y17d6 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">321.477  </div></td><td class=\"c x3af y17d6 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.706  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17d7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.823  </div></td><td class=\"c x3b0 y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                            </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.971  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls2 ws0\">495</div></td><td class=\"c x3ad y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.795  </div></td><td class=\"c x3ae y17d7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.116  </div></td><td class=\"c x3af y17d7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.555  </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-494": {
   "value": "Vertragliche Cashflows der finanziellen Verbindlic<span class=\"_ _0\"></span>hkeiten nach IFRS 7/39 a und b<span class=\"_ _0\"></span> <table class=\"s w477 h21b\" id=\"_e6c98e8e-ee8f-46ea-828e-145a69bd13a9\"><tr><td></td><td></td><td class=\"c x3a9 y17bd w478 h1f9\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17be w1b7 h3b\"><div class=\"t m0 x90 h6 y7e ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2022 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17be w40 h3b\"><div class=\"t m0 x85 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17be w40 h3b\"><div class=\"t m0 x59 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17be w36 h3b\"><div class=\"t m0 x5c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17be w37 h3b\"><div class=\"t m0 x47 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17be w38 h3b\"><div class=\"t m0 x8c h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17c0 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c1 w47a h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.448.735  </div></td><td class=\"c x3b0 y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">4.669.838  </div></td><td class=\"c x3ac y17c2 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">901.757  </div></td><td class=\"c x3ad y17c2 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">514.536  </div></td><td class=\"c x3ae y17c2 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.275.062  </div></td><td class=\"c x3af y17c2 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x3a4 y17c3 w1b7 ha0\"><div class=\"t m0 xa6 h5 y2ef ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.292.756  </div></td><td class=\"c x3b0 y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.431.861  </div></td><td class=\"c x3ac y17c3 w40 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">541.898  </div></td><td class=\"c x3ad y17c3 w36 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">490.884  </div></td><td class=\"c x3ae y17c3 w37 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.420.594  </div></td><td class=\"c x3af y17c3 w38 ha0\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">978.484  </div></td></tr><tr><td class=\"c x178 y17c4 w479 h191\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17c5 w47b h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.061.355  </div></td><td class=\"c x3b0 y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">15.166.224  </div></td><td class=\"c x3ac y17c6 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.539.885  </div></td><td class=\"c x3ad y17c6 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.023.651  </div></td><td class=\"c x3ae y17c6 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">415.079  </div></td><td class=\"c x3af y17c6 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">187.609  </div></td></tr><tr><td class=\"c x3a4 y17c7 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.407.017 </div></td><td class=\"c x3b0 y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.694.494  </div></td><td class=\"c x3ac y17c7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.587  </div></td><td class=\"c x3ad y17c7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">140.399  </div></td><td class=\"c x3ae y17c7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">928.253  </div></td><td class=\"c x3af y17c7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.622.255  </div></td></tr><tr><td class=\"c x3a4 y17c8 w1b7 h3b\"><div class=\"t m0 x90 h6 y9d8 ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">479.712  </div></td><td class=\"c x3b0 y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">565.266  </div></td><td class=\"c x3ac y17c8 w40 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.224  </div></td><td class=\"c x3ad y17c8 w36 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">59.659  </div></td><td class=\"c x3ae y17c8 w37 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">299.672  </div></td><td class=\"c x3af y17c8 w38 h3b\"><div class=\"t m0 x2d h5 y9d8 ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">202.712  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h1ed\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h14f\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h159\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17cb w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">193.170  </div></td><td class=\"c x3b0 y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">232.977  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y1070 ff4 fs2 fc2 sc0 ls2 ws0\">162</div></td><td class=\"c x3ad y17cb w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">39.734  </div></td><td class=\"c x3ae y17cb w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">138.091  </div></td><td class=\"c x3af y17cb w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">55.314  </div></td></tr></table><table class=\"s w477 h21c\" id=\"_c6cc4739-97b4-4c2f-ac26-9c00a26ec5f4\"><tr><td></td><td></td><td class=\"c x3a9 y17cc w478 h21d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Vertragliche<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3a4 y17cd w1b7 ha0\"><div class=\"t m0 x90 h6 y81 ffb fs2 fc2 sc0 ls0 ws0\">per 31.12.2021 in Tsd. \u20ac<span class=\"ff8\"> </span></div></td><td class=\"c x3aa y17cd w40 ha0\"><div class=\"t m0 x85 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">Buchwerte<span class=\"ff8\"> </span></div></td><td class=\"c x3ab y17bf w39d h154\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Cashflows<span class=\"_ _128\"> </span></div></td><td class=\"c x3ac y17cd w40 ha0\"><div class=\"t m0 x59 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">bis 1 Monat<span class=\"ff4\"> </span></div></td><td class=\"c x3ad y17cd w36 ha0\"><div class=\"t m0 x5c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-12 Monate<span class=\"ff4\"> </span></div></td><td class=\"c x3ae y17cd w37 ha0\"><div class=\"t m0 x47 h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">1-5 Jahre<span class=\"ff4\"> </span></div></td><td class=\"c x3af y17cd w38 ha0\"><div class=\"t m0 x8c h6 y81 ff5 fs2 fc2 sc0 ls0 ws0\">&gt; 5 Jahre<span class=\"ff4\"> </span></div></td></tr><tr><td class=\"c x178 y17ce w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17cf w47a h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kreditinstituten</div></td><td class=\"c x3aa y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.893.337  </div></td><td class=\"c x3b0 y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">5.991.906  </div></td><td class=\"c x3ac y17d0 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.017.656  </div></td><td class=\"c x3ad y17d0 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">402.361  </div></td><td class=\"c x3ae y17d0 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.701.525  </div></td><td class=\"c x3af y17d0 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x3a4 y17d1 w1b7 h3b\"><div class=\"t m0 xa6 h5 y2ec ff4 fs2 fc2 sc0 ls0 ws0\">hievon Einlagen zu<span class=\"_ _0\"></span> F\u00f6r-<span class=\"_ _128\"> </span></div><div class=\"t m0 xa6 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">derkrediten </div></td><td class=\"c x3aa y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.042.864  </div></td><td class=\"c x3b0 y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.088.338  </div></td><td class=\"c x3ac y17d1 w40 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">425.994  </div></td><td class=\"c x3ad y17d1 w36 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">401.074  </div></td><td class=\"c x3ae y17d1 w37 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.390.905  </div></td><td class=\"c x3af y17d1 w38 h3b\"><div class=\"t m0 x2d h5 y2ec ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">870.365  </div></td></tr><tr><td class=\"c x178 y17d2 w479 h21e\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Verbindlichkeiten gg\u00fc.<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17d3 w47b h18d\"><div class=\"t m0 x177 h6 y1078 ff5 fs2 fc2 sc0 ls0 ws0\">Kunden</div></td><td class=\"c x3aa y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.728.589  </div></td><td class=\"c x3b0 y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                      </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">14.763.428  </div></td><td class=\"c x3ac y17d4 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">          </div><div class=\"t m0 x13 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">13.681.943  </div></td><td class=\"c x3ad y17d4 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">422.926  </div></td><td class=\"c x3ae y17d4 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">433.152  </div></td><td class=\"c x3af y17d4 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">225.408  </div></td></tr><tr><td class=\"c x3a4 y17d5 w1b7 h3b\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Verbriefte Verbindlichkei-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">ten </div></td><td class=\"c x3aa y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">              </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.206.646  </div></td><td class=\"c x3b0 y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                        </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.339.361  </div></td><td class=\"c x3ac y17d5 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">2.952  </div></td><td class=\"c x3ad y17d5 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">142.286  </div></td><td class=\"c x3ae y17d5 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">806.118  </div></td><td class=\"c x3af y17d5 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">            </div><div class=\"t m0 x4f h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">1.388.005  </div></td></tr><tr><td class=\"c x3a4 y17d6 w1b7 h3a\"><div class=\"t m0 x90 h6 y2ef ff5 fs2 fc2 sc0 ls0 ws0\">Nachrangige Verbindlich-<span class=\"_ _128\"> </span></div><div class=\"t m0 x90 h6 y7e ff5 fs2 fc2 sc0 ls0 ws0\">keiten </div></td><td class=\"c x3aa y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">496.368  </div></td><td class=\"c x3b0 y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                           </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">542.687  </div></td><td class=\"c x3ac y17d6 w40 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">3.222  </div></td><td class=\"c x3ad y17d6 w36 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">40.283  </div></td><td class=\"c x3ae y17d6 w37 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">321.477  </div></td><td class=\"c x3af y17d6 w38 h3a\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">               </div><div class=\"t m0 x60 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">177.706  </div></td></tr><tr><td class=\"c x178 y17c9 w47c h16f\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">Derivative Verbind-lich-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td class=\"c x3b1 y12ff w47d h151\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls0 ws0\">-<span class=\"_ _128\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x178 y17ca w47e h158\"><div class=\"t m0 x177 h6 y109e ff5 fs2 fc2 sc0 ls0 ws0\">keiten IRS/CCS</div></td><td class=\"c x3aa y17d7 w40 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">51.823  </div></td><td class=\"c x3b0 y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                            </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">54.971  </div></td><td class=\"c x3b2 y1161 w47f h150\"><div class=\"t m0 x177 h5 y105e ff4 fs2 fc2 sc0 ls2 ws0\">495</div></td><td class=\"c x3ad y17d7 w36 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.795  </div></td><td class=\"c x3ae y17d7 w37 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                 </div><div class=\"t m0 x4a h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">36.116  </div></td><td class=\"c x3af y17d7 w38 h3b\"><div class=\"t m0 x2d h5 y2ef ff4 fs2 fc2 sc0 ls1 ws0\">                  </div><div class=\"t m0 x42 h5 y7e ff4 fs2 fc2 sc0 ls0 ws0\">9.555  </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "56) Eigenkapital Das Eigenkapital setzt sich au<span class=\"_ _0\"></span>s dem eingezahlten Kapital der Oberban<span class=\"_ _0\"></span>k AG (Grundkapital zuz\u00fcglich Kapitalr\u00fc<span class=\"_ _0\"></span>cklagen) sowie dem erwirtschaftet<span class=\"_ _0\"></span>en Kapital (Gewinnr\u00fccklagen zuz\u00fcglich Jahres\u00fcberschu<span class=\"_ _0\"></span>ss) zusammen. Das Eigenkapital d<span class=\"_ _0\"></span>er Oberbank AG betr\u00e4gt 2.428,2 Mi<span class=\"_ _0\"></span>o. Euro (Vorjahr 2.296,7 Mio. Euro), hievon Grundkap<span class=\"_ _0\"></span>ital 105,8 Mio. Euro (Vorjahr 105,9 Mio.<span class=\"_ _0\"></span> Euro). <span class=\"_ _0\"></span> Da die Oberbank AG Divid<span class=\"_ _0\"></span>enden auf Basis der \u00f6sterreichischen Rechtslage aussch\u00fc<span class=\"_ _0\"></span>ttet ist nur ein Teil des nach UGB/<span class=\"_ _0\"></span>BWG berechneten Eigenkapit<span class=\"_ _0\"></span>als aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig, n\u00e4mlich der Bilanzgewinn, die freie Gewinnr\u00fccklage sowie die n<span class=\"_ _0\"></span>icht <span class=\"_ _0\"></span> gebundene Kapit<span class=\"_ _0\"></span>alr\u00fccklage. F\u00fcr 2022 w\u00e4re maximal ein Betrag in H\u00f6he vo<span class=\"_ _0\"></span>n 1.505,2 Mio. Euro aussch\u00fcttungsf\u00e4h<span class=\"_ _0\"></span>ig. Der <span class=\"_ _0\"></span> aussch\u00fcttungsf\u00e4hige Bilanzgewin<span class=\"_ _0\"></span>n betr\u00e4gt 51,4 M<span class=\"_ _0\"></span>io. Euro<span class=\"_ _128\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "fact-418": {
   "value": "57) Personal<span class=\"_ _128\"> </span>Im Oberbank Kon<span class=\"_ _0\"></span>zern waren 2022 im Jahresdurchschn<span class=\"_ _0\"></span>itt folgende Personalkapazit\u00e4ten im Einsatz:<span class=\"_ _0\"></span> Vollzeit\u00e4quivalente, ohne Vo<span class=\"_ _0\"></span>rstandsmitglieder/Gesch\u00e4ftsf\u00fchrerInnen<span class=\"_ _0\"></span><span class=\"ff5\"> </span>2022<span class=\"ls0\"> </span>2021<span class=\"ls0\"> </span>Angestellte<span class=\"_ _128\"> </span>2.134<span class=\"_ _128\"> </span>2.152<span class=\"_ _128\"> </span>Arbeiter<span class=\"_ _128\"> </span>5<span class=\"_ _128\"> </span>6<span class=\"_ _128\"> </span>Gesamtkapazit\u00e4t *)<span class=\"_ _128\"> </span>2.139<span class=\"_ _128\"> </span>2.158<span class=\"_ _128\"> </span>*) <span class=\"ls0\">Darin sind 25 Mit<span class=\"_ _5\"></span>arbeiterkapazit<span class=\"_ _5\"></span>\u00e4ten, die zur Die<span class=\"_ _5\"></span>nstleistun<span class=\"_ _5\"></span>g an die 3 Banke<span class=\"_ _5\"></span>n IT GmbH entsandt<span class=\"_ _5\"></span> sind, entha<span class=\"_ _5\"></span>lten.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "de",
    "entity": "scheme:RRUN0TCQ1K2JDV7MXO75",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  }
 }
}