Disclosure in accordance with Disclosure Regulation
The present document serves to cover the disclosure requirements of the Austrian Financial Market Supervisory Authority for Österreichische Volksbanken-AG (VBAG) Group. As data and information are also required in accordance with IFRS in many cases and these are already presented in the VBAG annual report, this document refers to the relevant items in the annual report, meaning that this document together with the annual report forms one document in terms of meeting the disclosure requirements of the Austrian Financial Market Supervisory Authority.
Unless specifically stated, receivables are to be understood as the values of all balance sheet receivables, all off-balance sheet transactions multiplied by the credit conversion factors (CCF) and all derivatives. However, since the values of receivables before multiplication by the credit conversion factors form the basis for minimising credit risk, in some tables the value of the receivable is also stated before the CCF is taken into account.