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 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

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

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

Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn] 1) Key Data 1) (2008) 176 205 236 Market share of Raiffeisen by Product 6/2009

5 Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn] 1) Key Data 1) (2008) Market share of Raiffeisen by Product 6/2009 [%] ,2% Domestic Loans 27,8% 30,1% Domestic Deposits Saving Deposits Total assets: bn EUR Total Equity: 20.5 bn EUR 4 mn customers 550 banks 2,250 domestic branches Group Participations Domestic market share of approx. 25% 4 mn customers, 2 mn members, 31,000 employees served in 550 banks with 1,600 branches Approx. 78 bn EUR domestic customer deposits (6/2009) and 49 bn EUR domestic savings deposits Highest safety net 100% of all deposits insured Fully integrated financial service & IT provider 1) Legally not consolidated Source: Austrian Central Bank, Specialized Raiffeisen companies not included 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 ~ 2 Mio. Cooperative Members in Austria ~550 Raiffeisen Banks ~1.600 Branches 1) Focus: retail and small companies RLB Niederösterreich-Wien and 7 other Austrian Raiffeisen Regional Banks 2) RZB RLB Niederösterreich-Wien: Universal Bank, Largest shareholder of RZB (31.3%) 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 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 8

9 RLB NW: Key Financials and data Austrian Accounting Standards IFRS¹ Key data Total assets in mn EUR 18, , ,549 27,533 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 54,7 % 56.3 % 30.7 % 43.4 % Employees 1,189 1,231 1,189 1,232 1) At Equity consolidation of RZB Group (31,3%) 9

10 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 % 10

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.

11 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 11

RLB NW's strategy towards international business

in their international business in documentary

payments To cooperate with partner banks in their

12 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 12

13 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 Ext Nadja Watti, Senior Manager Ext Michael Berlin, Manager Ext Corporates Sigrid Regner, Head of International Corporates Ext Martin Mayerhofer, Manager Ext Radoslav Poljasevic, Manager Ext Marlene Rammerstorfer, Manager Ext L/C, Guarantees and Trade Finance Irene Kammerhofer, Head of Department Ext Export Finance & FDI Finance Alfred Götsch, Head of Department Ext Peter Förster, Senior Manager Ext Country & Bank Analysis Julia Muhr, Head of Country & Bank Analysis Ext Kerstin Kader, Analyst Ext TREASURY DIVISION Tim Geissler, Head of Division Ext Asset/Liability-Management Jochen Bonk, Head of Department Ext Bondtrading and Sales Detlef Völlger, Head of Department 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 Ext

14 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. Wesel 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 Sales/D. Völlger Funding & Liquidity Steering/M. Handl 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 14

International Finance & Financial Institutions Felix

International Division felix.mayr@raiffeisenbank.

92214 Vice President, Head of International Corporate

at Martin Mayerhofer Manager, International

at Marlene Rammerstorfer Manager, International

Ivica Bozan Vice President, Head of Financial

at Ext 92495 Michael Berlin Manager Central & Western

15 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 Martin Mayerhofer Manager, International Corporates Clients Ext Radoslav Poljasevic Manager, International Corporates Clients Ext Marlene Rammerstorfer Manager, International Corporates Clients Ext Irene Buchberger-Vilanek Assistant Ext Roswitha Amon Assistant Ext Financial Institutions & Correspondent Banking Ivica Bozan Vice President, Head of Financial Institutions Ext Michael Berlin Manager Central & Western Europe, Africa, America Ext Samantha Sankholkar Manager CIS & Asia Ext Nadja Watti Manager MENA, Northern & South East Europe Ext Christiane Tauschitz Manager Ext Silvia Zahradnik Manager, International Corporates Clients Ext

Raiffeisenlandesbank Niederösterreich-Wien

Raiffeisenlandesbank Niederösterreich-Wien Company Presentation November 2010 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) at a first glance To understand our background: Introduction of