The Group's principal activity is providing banking services for private and commercial customers in Austria and abroad. Operations are carried out through the following segments, Austria, Central and Eastern Europe, International Business and Corporate Center. The Austria segment includes banking activities in Austria and is divided into four sub-segments, Savings Banks, Retail and Mortgage, Large Corporates and Treasury and Investment Banking. The Central and Eastern Europe segment includes operations in the Czech Republic, the Slovak Republic, Romania, Hungary, Croatia and Serbia. The International Business segment includes commercial lending to foreign banks, leasing companies and sovereign debtors. The Corporate Center segment includes non-banking subsidiaries, e-business marketing, organization, information technology and other support services.
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