balance sheet as of december 31, 2003 - Raiffeisenlandesbank ...

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Severance payment obligations as of the balance sheet date are calculated according to the principles of investment mathematics using a discount rate of 3.5% and taking into account the legal pensionable age under applicable law. Employee turnover is now taken into account in the form of annual turnover rates for the premature termination of employment relationships. Obligations to pay anniversary bonuses are calculated according to the principles of investment mathematics in the same way as severance payment obligations. Other provisions are entered using reasonable and prudent business accounting principles to cover all recognizable risks as of the balance sheet date as well as liabilities which are uncertain in terms of type and amount. X. Liabilities are shown at the higher of original book value or the amount repayable. D. NOTES ON THE BALANCE SHEET I. Analysis of maturities 1. Breakdown of residual maturities for loans and advances to and balances with banks and non-banks not repayable on demand (under § 64 Par. 1 No. 4 of the Austrian Banking Act): 57 Banks Non-banks EUR '000 2003 2002 2003 2002 a) Up to 90 days 1,483,454 1,341,156 1,814,128 1,813,677 b) 90 days to 1 year 1,358,730 831,896 392,604 472,915 c) 1 to 5 years 161,926 463,373 1,110,105 985,248 d) More than 5 years 338,198 297,292 1,006,069 770.824 2. Breakdown of residual maturities for amounts owed to banks and non-banks not repayable on demand (under § 64 Par. 1 No. 4 of the Austrian Banking Act): Banks Non-banks EUR '000 2003 2002 2003 2002 a) Up to 90 days 697,484 803,154 896,839 1,285,642 b) 90 days to 1 year 1,354,774 1,108,151 332,913 369,666 c) 1 to 5 years 70,707 79,465 495,396 410,157 d) More than 5 years 185,626 115,575 324,044 316,843
3. Debt securities and other fixed-income securities maturing during the year following the balance sheet date (under § 64 Par. 1 No. 7 of the Austrian Banking Act): EUR '000 2003 2002 a) Receivables from debt and other fixed-income securities 137,028 241,714 b) Liabilities arising from debt securities issued 220,797 265,383 II. Securities 1. Breakdown of securities admitted to listing on an exchange under § 64 Par. 1 No. 10 of the Austrian Banking Act: Listed Unlisted EUR '000 2003 2002 2003 2002 58 a) Debt securities and other fixed-income securities 1,209,857 1,084,076 91,814 79,623 Equities and other variable-yield securities 30,040 21,510 51,385 50,861 b) Shares in associated enterprises 0 0 0 0 c) Shares in group enterprises 0 0 0 0 2. Investments under § 64 Par. 1 No. 11 of the Austrian Banking Act: Breakdown of listed securities treated as fixed assets and indicated under debt and other fixed-income securities as well as equities and other variable-yield securities: EUR '000 2003 2002 a) Debt securities and other fixed-income securities 352,031 107,596 b) Equities and other variable-yield securities 30,000 30,000 Assets were classified as fixed or current by the responsible bodies on a case-by-case basis.
Page 1 and 2: BALANCE SHEET AS OF DECEMBER 31, 20
Page 3 and 4: BALANCE SHEET AS OF DECEMBER 31, 20
Page 5 and 6: PROFIT AND LOSS ACCOUNT 2003 2003 2
Page 7: IV. Individual value adjustments or
Page 11 and 12: 2.2. Supplementary capital The supp
Page 13 and 14: 2002 NOMINAL AMOUNTS MARKET VALUES
Page 15 and 16: F. SUPPLEMENTARY INFORMATION I. The
Page 17 and 18: STATEMENT OF FIXED ASSETS 2003 Acqu
Page 19 and 20: STATEMENT OF VALUATION RESERVES 200
Page 21 and 22: 70 OUR 951 EMPLOYEES: A Harald Adle

balance sheet as of december 31, 2003 - Raiffeisenlandesbank ...

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