Raiffeisenlandesbank Niederösterreich-Wien
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1 Raiffeisenlandesbank Niederösterreich-Wien Company Presentation Vienna,
2 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) at a first glance To understand our background: Introduction of the Raiffeisen Banking Group Strategy, Key Facts and 2007 / 2008 Results Centrope and International Activities Contacts 2
3 Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) RLB NW was founded in 1898 by Lower Austria's cooperative Raiffeisen banks RLB NW, with a balance sheet total of ~ 30,0 bn EUR (Q2 2009), is among the the Top 8 Austrian banks in terms of total assets As a universal bank, RLB focuses on retail, SME and middle market, corporate, treasury and international RLB NW is a Aa3 rated regional bank covering the provinces of Lower Austria and Vienna which account for approximately half of the country's bankable population In addition, RLB NW has expanded into the Centrope Region (now part of RLB's company vision) where it co-owns the Raiffeisenbanks in Slovakia, Czech Republic and Hungary With its 31.3 % shareholding in RZB, RLB NW is a very important driver of the Austrian Raiffeisen Banking Group the largest banking group in the country 3
4 Raiffeisen in Austria History & Philosophy F.W. Raiffeisen The "Gable Cross" Raiffeisen Banking Group was founded by F. W. Raiffeisen ( ), one of the most important social reformers in the 19th century The original goal was to provide basic banking services to the rural population based on cooperative principles Only ten years after foundation of the first Raiffeisenkasse (Lower Austria) in 1886, 600 banks were operating according to the Raiffeisen system Those local cooperatives formed Raiffeisen Regional Banks like RLB Niederösterreich-Wien (founded in 1898) at provincial level and RZB in 1927 at federal level 1) The Raiffeisen idea has proven to be timeless: Raiffeisen is still a politically neutral and financially independent banking sector within Austria The unique trade mark is the so-called "gable cross" a symbol of protection and cooperation 1) See also "Three tier strucure" of Austrian Raiffeisen Banking Group 4
5 Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn] 1) Market share of Raiffeisen by Product 12/2007 [%] % Total Loans 27.8% 30.1% Total Deposits Saving Deposits Key Data 1) (2008) Total assets: 265,3 bn EUR Total Equity: 20.5 bn EUR 4 mn customers Group Participations 1) Legally not consolidated Source: Austrian Central Bank, Specialized Raiffeisen companies not included Largest Austrian banking group with a domestic market share of approx. 28% 4 mn customers, 1,7 mn members, 23,000 employees served in 550 banks with 2,250 branches Approx. 79 bn EUR customer deposits (2008) and 49 bn EUR savings deposits Highest safety net 100% of all deposits insured via the Raiffeisen Cross Guarantee system Fully integrated financial service & IT provider with top market positions in leasing, building societies, insurance, asset management, pension funds, etc. 5
6 Overview over Austrian Banking Market Top Ten Banks Total Assets [EUR bn/2008] Rating [Moody's] Raiffeisen Banking Group 1) Unicredit Bank Austria Erste Bank 2) RZB OeVAG (Volksbanken) 3) Bawag/PSK Hypo Alpe-Adria RLB Oberösterreich RLB Niederösterreich-Wien Oberbank Hypo Tirol Bank , A1 Aa3 A1 Baa1 Baa1 Baa1 Aa3 Aa3 not rated Aa1 1) Legally not consolidated 2) incl. Independent Savings Banks 3) incl. Investkredit Source: Annual Reports, Bankscope, April
7 Three-tier ownership pyramid of the Austrian Raiffeisen Banking Group ~ 1,7 Mio. Cooperative Members in Austria ~550 Raiffeisen Banks ~2.250 Branches 1) Focus: retail and small companies RLB Niederösterreich-Wien and 7 other Austrian Raiffeisen Regional Banks 2) RLB Niederösterreich-Wien: Universal Bank, Largest shareholder of RZB (31.3%) RZB Focus of RZB: Top 1,000 corporates in Austria, investment banking and internatl. 70% owner of Raiffeisen International Focus of Raiffeisen International: Universal Banks 14.7 Mio. customers in CEE & CIS 1) 44% of all Austrian banking outlets 2) Raiffeisen Regional Banks account for approx. 88% of RZB's share capital 7
8 In addition, Raiffeisen has become an important international player with a particular strength in CEE International operations are bundled within Raiffeisen International (70% owned by RZB, listed on Vienna stock exchange) Raiffeisen International is a leader in Central & Eastern Europe with a balance sheet total of 85.4 bn EUR (12/2008) Albania Belarus Bosnia Bulgaria Croatia Czech Rep. Hungary Kasachstan Kosovo Poland Romania Russia Serbia Slovakia Slovenia Ukraine Raiffeisen Bank Priorbank Raiffeisenbank, Sarajevo Raiffeisenbank Raiffeisenbank Austria Raiffeisenbank Raiffeisen Bank Raiffeisen Leasing Raiffeisen Bank Kosovo Raiffeisen Bank Polska Raiffeisen Bank, Bucharest Raiffeisenbank, Impexbank Raiffeisenbank Austria Tatra Banka Raiffeisen Krekova Raiffeisen Bank Aval It is represented with subsidiary banks and leasing companies in 17 markets serving approx mn customers in more than 3,000 branches (12/2008) Raiffeisen Banking Group is also represented with banking units in Singapore, China, New York, London and Malta In addition, RZB-Representative Offices in Hong Kong, Seoul, Mumbai, Ho Chi Minh City, Brussels, Paris, Milan, Frankfurt, Stockholm, Chicago and Houston complement the international presence 8
9 RLB NW's New Company Vision Raiffeisenlandesbank Niederösterreich-Wien is the leading regional bank in Centrope and as the largest shareholder of RZB-Group a major driver in the development of Raiffeisen Banking Group Austria. Based on our strong cooperative identity we service our customers, partners and shareholders with our high quality banking services. We are committed to sustainable banking as well as ethics and humanitarian values. 9
10 Raiffeisen in Lower Austria/Vienna Ownership structure 78 Raiffeisen Banks in Lower Austria Others (e.g. Commodity Organisations) 71% 29% 21.5% Raiffeisen-Holding Niederösterreich-Wien reg.gen.m.b.h. 78.5% Raiffeisenlandesbank Niederösterreich-Wien AG Bank participations: RZB (31.3%) Raiffeisen Bank CZ (24.0%) Raiffeisen Bank HU (16.2%) Tatra Banka SK (12.6%) Non-Bank participations 10
11 RLB NW: Key Financials and data Austrian Accounting Standards IFRS¹ Key data Total assets in mn EUR 18, , ,549 27,553 Operating Profit in mn EUR , ,307 Profit after tax in mn EUR Total Equity in mn EUR , ,897 1,920 Return on Equity (A/T) 17.6 % 10.7 % 17.1 % 1.5 % Return on Assets 0.8 % 0.5 % 1.69 % 0.12 % BIS Ratio 11.3% 11.8 % 11.4 % 12.0 % Tier 1 Ratio 7.4% 8.9% 7.5 % 9.1 % Cost-Income-Ratio 45.3 % 42 % 30.7 % 43.4 % Employees 1,189 1,232 1,189 1,232 1) At Equity consolidation of RZB Group (31,3%) 11
12 The Lower Austrian Raiffeisenbanks are dominating their local banking market Key data (IFRS) ) Total Assets in bn EUR Operating Profit in mn EUR Profit after tax in mn EUR BIS ratio 14.5 % 14.8 % 14.0 % Cost-Income-Ratio 70.8 % 70.6 % 69.4 % Employees 3,498 3,553 3,591 Market Share ~ 39 % ~ 39 % ~ 40 % 1) Forecast 12
13 Our direct shareholder, Raiffeisen Holding Lower Austria/ Vienna, is an important Austrian industrial holding company Major Participations Raiffeisen Holding Key Facts (2008) Group Total Assets: Revenues of Group Companies: Total Equity: Net Income for the year after taxes: Market Value 29.5 bn EUR 21.6 bn EUR 2.9 bn EUR 101 mn EUR ~ 5.0 bn EUR Employees: ~
14 The "Centrope-Region" is RLB's enlarged regional home market Direct participations in Raiffeisen Bank, Czech Republic (24.0%) Tatra Banka, Slovakia (12.6%) Raiffeisen Bank, Hungary (16.2%) Close cooperation with RZB in the Region Dedicated International Desk established Specific Initiatives to support clients in the Centrope Region Joint offices with Ecoplus in Prague, Bratislava, Budapest and Warsaw Centropa Regional Fund Centropa Consulting GmbH Twin City Liner Bratislava-Vienna 14
15 RLB NW's strategy towards international business outside of the Centrope Region To support our clients in their international business in documentary business, trade and export finance and international payments To cooperate with partner banks in their local markets direct L/C and trade finance syndications/club loans To build up a sound portfolio of corporate and financial institutions transactions in CEE and CIS 15
16 Raiffeisenlandesbank Niederösterreich-Wien Contacts for International Banks at a glance Website: firstname.lastname@raiffeisenbank.at Tel: Ext. Visiting Address: Friedrich-W.-Raiffeisen-Platz 1, A-1020 Vienna SWIFT: RLNWATWW Fax: Ext. INTERNATIONAL DIVISION Felix Mayr, Head of Division Ext Financial Institutions Ivica Bozan, Head of Financial Institutions Ext Samantha Sankholkar, Senior Manager, FI Ext Nadja Watti, Senior Manager, FI Ext Michael Berlin, Manager, FI Ext Corporates Sigrid Regner, Head of Int. Corporates Ext Martin Mayerhofer, Manager Corporates Ext Radoslav Poljasevic, Manager Corporates Ext Marlene Rammerstorfer, Manager Corporates Ext L/C, Guarantees and Trade Finance Irene Kammerhofer, Head of Department Ext Export Finance & FDI Finance Alfred Götsch, Head of Department Ext Peter Foerster, Senior Manager Ext Country & Bank Analysis Julia Muhr, Head of Country & Bank Analysis Ext Kerstin Kader, Country & Bank Analyst Ext TREASURY DIVISION Tim Geissler, Head of Division Ext Asset/Liability-Management Jochen Bonk, Head of Department Ext Bondtrading and Sales Detlef Voellger, Head of Department Ext Christian Stangl, Head of MM Trading Ext FX-Trading and Sales Josef Mantler, Head of Department Ext Treasury Consulting Christian Tunkl, Head of Department Ext Funding & Liquidity Steering Michael Handl, Head of Department Ext CASH MANAGEMENT DIVISION Johann Friedl, Head of Division Ext Helene Winter, Senior Manager Banks Ext
17 RLB NW is organized in five business lines BOARD DIVISION Retail Banking G. Kraft-Kinz Corporate Banking Deputy Chairman R. Karl Financial Markets G. Rehor Risk Management/ Organisation W. Rab Raiffeisen Banks/ Management-Service Chairman E. Hameseder District Office Retail Vienna/North/ I. Blaschka District Office Retail Vienna/East/E. Janosik District Office Retail Vienna/South/L. Kremser District Office Retail Vienna/West/R. Fischer Private Banking/ Ch. Ohswald Commercial Customers/ G. Giefing Mobile Sales Team/ R. Fischer Retail Banking Raiff. Employees/A. Toifl Sales Support Vienna/ M. Aschauer Corporate Banking Vienna/ M. Rammel Corporate Banking Lower Austria/H. Kalenda Project Finance/G. Riedel International Division/ F. Mayr International Finance & Correspondent Banking/ F. Mayr Documentary Business & Trade Fin./I. Kammerhofer Export & FDI Finance/ A. Götsch Back Office Loans/ G. Hoffelner Centrope/A. Hopf Legal Affairs/M. Writze Compliance Officer/ T. Heinrich Treasury/T. Geissler FX Trading and Sales/ J. Mantler Securities Trading and Sales/H. Haidn Funding & Liquidity Steering/D. Völlger Asset/Liability Management/J. Bonk Treasury Consulting/ C. Tunkl Investment Products/ R. Reitter Financial Markets Consulting Raiffeisen Banks/W. Serles Accounting & Controlling/ R. Großebner Accounting/ B. Martetschlaeger Controlling/F. Urbanek Treasury Services/ M. Szakusits Credit Risk Management/ H. Donath Cash Management/J. Friedl Payments Consulting/ J. Deutenhauser Product Development and Systems/G. Schestauber Organization/IT/M. Wollner Treasury Mid-Office/ R. Vartok Enterprise Risk Management/ O. Schmölzer Raiffeisen Banks-Service/ J. Bernsteiner Marketing/W. Hanreich Internal Audit/J. Piewald Human Resources/ N. Wendelin Participations/ K. Miesenböck Public Relations/P. Wesely 17
18 International Finance & Financial Institutions Felix Mayr Ext Senior Vice President, Head of International Division International Corporate Clients Sigrid Regner Ext Vice President, Head of International Corporate Clients Roswitha Amon Ext Assistant to Felix Mayr Financial Institutions & Correspondent Banking Ivica Bozan Ext Vice President, Head of Financial Institutions Martin Mayerhofer Ext Manager Radoslav Poljasevic Ext Manager Michael Berlin Ext Manager Central & Western Europe, Africa, America Samantha Sankholkar Ext Senior Manager CIS & Asia Marlene Rammerstorfer Ext Manager Nadja Watti Ext Senior Manager MENA, Northern & South East Europe Irene Buchberger-Vilanek Ext Team Assistant 18
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