TWOGETHER. It takes two to achieve great things.
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1 TWOGETHER It takes two to achieve great things.
2 TWOGETHER BUSINESS TRUSTWORTHY PARTNERSHIP EXPANDSION TRANSACTIONS EVALUEATION PROFITABILITY
3 Great things can be achieved by working together. 05 Introduction Reinhard Karl 07 Our vision Our values. 09 Services Our offering. 11 Financing Driving growth and safeguarding liquidity. 13 Cash management Handling payments. 15 Risk management Minimizing entrepreneurial risks. 17 Investing Creating wealth. 18 History Milestones in our growth. 03
4 BUSINESS
5 Great things can be achieved by working together. The US in business. Raiffeisen stands for proximity, client orientation, safety and partnership. Our relationships with our corporate clients are based on these core values. As your financial partner in the region with strong international expertise, our goal is to provide optimal support for local businesses in their domestic and international activities. We offer cash management solutions, assist mediumsized companies in accessing the capital markets, provide loans that range from working capital to investment financing. Our activities also include services for clients who want to go international through handling and financing of export/import transactions as well as foreign investments. We are an experienced partner for businesses and industry we listen to your needs and, together jointly, develop optimal solutions. In line with our values, we also share the responsibility for your entrepreneurial success. Our clients can rely on the quality of Raiffeisen s services, whether you represent a family or a large corporation. Many of our relationship managers are licensed as Certified Management Consultants, which ensures that we can best understand your company s unique needs. And, after all, together with you we form the US in business. As a bank for corporate clients, our work extends far beyond conventional banking. We see ourselves as a partner who wants to contribute to the success of your business. Today and tomorrow. Reinhard Karl Member of the Management Board Corporate Clients Division Raiffeisenlandesbank NÖ-Wien 05
6 TRUSTWORTHY
7 Great things can be achieved by working together. Our goals for your goals. Relationships are based on trust. At Raiffeisen, we have a strong identification with our core values that serve as our basis on which we serve our clients. These values date back to the 19 th century when Friedrich Wilhelm Raiffeisen laid the foundation for today s global concept of Raiffeisen cooperatives. We are an Austrian bank with a highly qualified and motivated staff. That makes us the leading bank for corporate clients in the Eastern region of Austria. Numerous recommendations by our satisfied clients are the recognition of our work. Our Vision. 1. We are a predictable and fair partner. 2. We pursue a sustainable business strategy and place strong emphasis on long-term client relationships. 3. We share responsibility for the financial success of the companies in our region and for the wellbeing of the people who live there. 4. We actively cultivate and build networks with our clients and our partners in the Raiffeisen organization. 5. We want to excite our clients. Their recommendations are the best confirmation of our success. 6. We are committed to our work. We are solution-oriented and want to create real added value for our clients. 07
8 PARTNERSHIP
9 Great things can be achieved by working together. All for one: you. Raiffeisen s specialists cover the many different aspects of corporate banking that are crucial for the long-term support of our clients. Their teamwork and commitment are your guarantee for the development of solutions that perfectly fit your requirements. In our coverage concept, you have a designated relationship manager who looks after your interests and who can call on our large network of experts whenever necessary. These experts include product specialists, corporate analysts, risk managers and external professionals like consultants and tax advisors. They integrate their specialized know-how and analyse your company in detail. Their results deliver key input for your decisions. Our offering for corporate clients. Raiffeisenlandesbank NÖ-Wien (RLB NÖ-Wien) offers a wide variety of financing and advisory services. Whether your goal is to optimize cash management, expand internationally or finance investments together we can develop an individualized solution to meet your specific needs. Additional support is also available from our Raiffeisen sector partners wherever necessary, including Raiffeisen Leasing, Raiffeisen Factor Bank, Raiffeisen Versicherung, Raiffeisen Capital Management, Valida Vorsorge Management, Aktuell Raiffeisen Versicherungs- Maklerdienst and Raiffeisen Immobilien Vermittlung. The key points of our services: Financing growth and liquidity management Cash management Managing risks Creation of wealth 09
10 EXPANDSION Financing growth and liquidity management Investment financing Working capital financing Export financing Bank guarantees Letters of credit and collections Leasing Factoring Subsidies
11 Great things can be achieved by working together. Financing with a mix. Our relationship managers know that today s companies not only require standardized loans, but also a tailor-made financing concept. Whether your plans include investments or refinancing, an M&A deal or market entry in a foreign country we are pleased to accompany you with the right financing mix. Especially when larger investments are involved, it is important to have the right partner. Our experts combine subsidized and non-subsidized financing as well as guarantee instruments and can arrange syndicated loans, club transactions and so-called Schuldscheindarlehen if required. An extensive network of institutional investors is available to support these activities, including the Raiffeisen sector, other Austrian financial institutions and international players. We are your first contact partner for the structuring, documentation and administration of loans as well as for the coordination of the involved banks and investors. Our experts supply an extensive range of products and services for exporters, importers and foreign investments. Your benefit: loans with favourable terms and conditions support your export transactions. We also offer attractive, long-term investment loans with limited interest rate risk. A partial risk guarantee by the Austrian government (represented by Oesterreichische Kontrollbank AG) for the borrower s commercial risk creates additional comfort for your credit lines and greater flexibility for further growth. Bank guarantees, letters of credit and other trade finance solutions are frequently used as security, payment or financing instruments to reduce the risks connected with international transactions. Documentary collections are also a commonly used form for international payments. Our experts will be pleased to talk with you about your individual requirements. 11
12 TRANSACTIONS Cash management: Electronic banking Domestic payments/sepa Cash pooling Current accounts & bank cards Raiffeisen Business Banking App E-commerce solutions
13 Great things can be achieved by working together. Cash management, liquidity and payments under control. Transactions are essential for a company s success. To assist our clients in optimizing their cash management, we offer a wide range of customized solutions. In order to provide a tailor-made cash management solution, our relationship managers and cash management specialists first analyze your current situation. Their evaluation covers, among others, the number of bank relationships and accounts, the average account balances and the related costs of your payment transactions. On request, we can also conduct a comprehensive annual payment review to further optimize your cash management and make beneficial adjustments to your terms and conditions if there is an increase in the number of transactions. You receive regular reports and can count on our assistance with the settlement of any reconciliation issues. Of course our payment transaction services extend beyond Austria s borders and the SEPA area. We provide you with active support for your international transactions and, for example, arrange the opening of accounts within the network of Raiffeisen Bank International AG (RBI) on your behalf. 13
14 EVALUEATION Risk Management: Protection against risks in international business Hedging interest rate and foreign exchange risks Employee benefit plans Insurance
15 Great things can be achieved by working together. Minimize risks, optimize security. Uncertainty is a key element of entrepreneurial activities. RLB NÖ-Wien offers a wide range of services to protect you against specific entrepreneurial risks. In this way, you reduce risks and improve of your reliability. Interest rate and foreign exchange risks. Fluctuations in interest rates and foreign currencies are difficult to forecast. We therefore assist you in hedging your company against rising interests on floating note loans and declining interest on your investments. Our services also include products to hedge your incoming and outgoing foreign currency payments and to improve your calculation base. We are happy to provide you with detailed information on the risks associated with these hedging options in a personal conversation. International protection for international transactions. The international trade of goods and services has become the driving element of today s economy. Success is dependent, not least, on ensuring appropriate protection for the risks arising from political and economic uncertainty as well as your customer default risk. Our services include the design of an individual mix of hedging instruments to meet your particular needs from tenders and contract negotiations to the final payment. Insurance and employee benefit plans. Tailor-made insurance contracts for your company in line with its individual risk profile (size, branch etc.) and pension plans provide optimal protection for you and your employees. In this context, comprehensive advice and ongoing personal support are important to achieve successful results. Pension plans create attractive options for companies. They not only supplement government pensions, but also optimize wage and income taxes and social security contributions. You save on associated wage costs and benefit from accounting advantages and also improve your image as employer. Aktuell Raiffeisen Versicherungs-Maklerdienst is our independent international insurance broker and your first contact partner for any insurance-related issues. Based on an in-depth risk analysis, Aktuell prepares a specific insurance concept for your company, assists in the settlement of claims and offers a variety of additional services. 15
16 PROFITABILITY Create wealth: Asset management Investment concepts Real estate Raiffeisen investment funds, bonds, shares Alternative investments
17 Great things can be achieved by working together. Wealth requires know-how. Complex financial situations and demanding investment objectives require know-how, expertise and a great deal of experience. RLB NÖ-Wien offers all this through its private banking team. These services are directed to investors, e. g. companies, foundations, municipalities, other public institutions and needless to say individual private banking clients. Experience with the applicable legal and tax requirements forms the necessary basis for the preparation of sustainable and specially designed investment concepts. Within the framework of our investment strategy, we concentrate on broad diversification. Our offering includes traditional money market products as well as asset classes like bonds, stocks, real estate, commodities and alternative investments. The focal points for investment are defined in line with your specific needs and the current market situation. 17
18 Milestones in our Company s History The Lower Austrian Raiffeisenkassen found Niederösterreichische Genossenschafts-Centralcasse On 1 January 1899, the predecessor organization of the present Raiffeisenlandesbank Niederösterreich-Wien AG (RLB NÖ-Wien) starts to operate with a single employee under the name of Niederösterreichische Genossenschafts-Centralcasse registrierte Genossenschaft mit beschränkter Haftung. Raiffeisenbank Wien is founded to service clients in Vienna The name is changed to Raiffeisenlandesbank to emphasize its role as a member of the Raiffeisen organization. Over the years, the traditional banking business has been continuously expanded to include other important business areas e. g. the corporate and institutional clients division. Raiffeisenbank Wien is merged with RLB NÖ-Wien RLB NÖ-Wien, as the principal shareholder of Raiffeisen Zentralbank Österreich AG (RZB), acquires an indirect investment in Raiffeisen Bank International AG (RBI). RBI shares have been listed on the Vienna Stock Exchange since 25 April
19 The Gable Cross: The Symbol of Safety and Security This brochure is a marketing communication by Raiffeisenlandesbank NÖ-Wien AG. Copy date: December 2015 In earlier times, it was a tradition in rural communities to attach a gable cross to the roof of a house to ward off numerous dangers. This symbol was adopted as the trademark of the Raiffeisen organization while Friedrich Wilhelm Raiffeisen was still alive. After all, Raiffeisen too represents a special standard of safety and security, joining its members in a cooperative to safeguard them against major economic and financial risks. 03
20 Raiffeisenlandesbank Niederösterreich-Wien AG F.-W.-Raiffeisen-Platz 1, 1020 Vienna
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