Raiffeisenlandesbank Niederösterreich-Wien

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1 Raiffeisenlandesbank Niederösterreich-Wien Company Presentation June 2012

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 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 As a universal bank, RLB focuses on retail, SME and middle market, corporate, treasury and international business RLB NW is a A1/C- rated regional bank covering the provinces of Lower Austria and Vienna which account for approximately half of the country's bankable population RLB NW, with a balance sheet total of ~ 32.1 bn EUR and a net profit of ~109.7 mn EUR (2011, IFRS), is among the Top 8 Austrian banks in terms of assets and ranks 6th in terms of net profit With its 35% 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 p.7 4

Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn] 1) Key Data 1) (2011) 205 260 255 Market share of Raiffeisen by Product 12/2011

5 Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn] 1) Key Data 1) (2011) Market share of Raiffeisen by Product 12/2011 [%] ,7% 29,7% 32,4% Total assets: bn EUR Total Equity: 22.9 bn EUR 4 mn customers 513 banks 2,195 domestic outlets Group Participations Domestic market share of approx. 30% 4 mn customers, 1.7 mn members, 25,000 employees served in 513 banks with 1,682 branches Approx. 86 bn EUR domestic customer deposits and 51 bn EUR domestic savings deposits Highest safety net customer guarantee association members 100% of deposits insured Fully integrated financial service & IT provider Domestic Loans Domestic Deposits Saving Deposits 1) Legally not consolidated Source: RZB Annual Report 2011, Specialized Raiffeisen companies not included 5

Overview over the Austrian Banking Market Total Assets * EUR bn/2011] Total Net Profit * after tax [EUR mn/2011] Rating [Moody's] Raiffeisen Banking Group 1) 269.6 1) Erste Bank Group 2) 210.0-562.

6 Overview over the Austrian Banking Market Total Assets * EUR bn/2011] Total Net Profit * after tax [EUR mn/2011] Rating [Moody's] Raiffeisen Banking Group 1) ) Erste Bank Group 2) A3 Unicredit Bank Austria Group A3 RZB Group (RZB+Raiffeisen Bank International) 3) A3 (RZB) / A2 (RBI) OeVAG Group Baa2 Bawag/PSK Group Baa2 RLB Oberösterreich Group A1 Hypo Group Alpe Adria not rated RLB Niederösterreich-Wien Group A1 Oberbank not rated RLB Steiermark Group A1 Hypo Landesbank Vorarlberg A1 1) Legally not consolidated 2) incl. Independent Savings Banks * IFRS Source: Annual Reports 6

7 The bottom-up ownership pyramid of the Raiffeisen sector in Austria RLB NW is RZB s largest shareholder (35%) 1.7 mn Cooperative Members in Austria ~513 Raiffeisen Banks ~1,682 Branches 1) Focus: retail and small companies 8 Raiffeisen Regional Banks (= Raiffeisenlandesbanken) RZB 8 Raiffeisen Regional Banks own 88% of RZB s share capital Raiffeisenlandesbank Niederösterreich-Wien is RZB s largest shareholder (35%) Focus of RZB: Lead Institution of Raiffeisen Banking Group Austria & Steering Company of RZB Group; 78.5% owner of Raiffeisen Bank International (RBI) Focus of RBI: Corporate Banking Austria (Top 1,000) & Universal Banking in CEE & CIS 1) 43% of all Austrian banking outlets 7

8 Raiffeisen in Lower Austria/Vienna Ownership structure 72 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 (RLB NW) Non-Bank participations 8

9 RLB NW: IFRS Results and Key Figures Key data Total assets in mn EUR Operating Profit in mn EUR Profit after tax in mn EUR Total Equity in mn EUR Return on Equity** Return on Assets** BIS Ratio (CAR) Tier 1 Ratio (Total Risk) Cost-Income-Ratio Employees ,699 32, ,040 2, % 14.3% 0.55% 0.98% 12.5% 13.3% 8.6% 9.1% 44.1% 34.6% 1,256 1, , , % 0.33% 14.1% 9.4% 52.5% 1,354 *) At Equity consolidation of RZB Group (35%) ** before tax 9

10 Key facts about of our shareholders the Lower Austrian Raiffeisenbanks Key data (IFRS) Total Assets in bn EUR Operating Profit in mn EUR Profit after tax in mn EUR BIS ratio 14.4 % 14.9 % 14.9% Cost-Income-Ratio 74.5 % 70.5% 68.4% Employees 3,593 3,627 3,684 Market Share ~ 40 % ~ 40 % ~ 42 % 10

11 Our 35% participation RZB Group has delivered successful results Key data 2010 RZB Group RBI 2011 Total assets in mn EUR 136, , , ,985 Operating Profit in mn EUR 2,427 2,208 2,424 2,355 Profit after tax in mn EUR 1, , Total Equity in mn EUR 11,251 11,489 10,404 10,936 Return on Equity** 12.5% 10.5% 13.7% 13.7% Return on Assets** 0.88% 0.78% 0.90% 0.98% BIS Ratio (CAR) 12.6% 12.8% 13.3% 13.5% Tier 1 Ratio (Total Risk) 9.4% 9.9% 9.7% 9.9% Cost-Income-Ratio 55.8% 59.2% 55.1% 57.0% Employees 60,356 59,836 59,782 59,261 *) Pro Forma **) before tax 11

The "Centrope-Region" is a strategic region of RLB NW 6 mn inhabitants (core region), 29 mn inhabitants and important economic centers Close connections with Austrian economy Dedicated International

12 The "Centrope-Region" is a strategic region of RLB NW 6 mn inhabitants (core region), 29 mn inhabitants and important economic centers Close connections with Austrian economy 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 Twin City Liner Bratislava-Vienna RLB NW s business policy focussing on project finance and joint initiatives with Raiffeisen network banks 12

RLB NW's strategy towards international business

in their international business in documentary

payments To cooperate with partner banks in their

13 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 13

RLB NW is organized in five business lines Retail Banking G. Kraft-Kinz Corporate Banking R. Karl Financial Markets G. Rehor Risk Management/ Organisation W.

Wesel District Office Retail Vienna/South/L. Kremser District Office Retail Vienna/West/R. Fischer Private Banking/ Ch. Ohswald Commercial Customers/ G.

Kalenda Project Finance/G. Riedel International Division/ F. Mayr Financial Institutions & Correspondent Banking/ I. Bozan International Corporate Clients/ S.

Geissler Treasury Liquidity Steering/M. Handl Treasury Interest Steering/ J. Bonk Capital Markets / C. Schaefer Consulting & Sales/ D. Voellger Product Management/ R.

Szakusits Credit Risk Management/ H. Donath Cash Management/J. Friedl Payments Consulting/ J. Deutenhauser Product Development and Systems/G. Schestauber Organization/IT/M.

14 RLB NW is organized in five business lines Retail Banking G. Kraft-Kinz Corporate Banking R. Karl Financial Markets G. Rehor Risk Management/ Organisation W. Rab Raiffeisen Banks/ Management- Service Chairman K. Buchleitner 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 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 Financial Institutions & Correspondent Banking/ I. Bozan International Corporate Clients/ S. Regner Documentary Business & Trade Fin./I. Kammerhofer Export & FDI Finance/ A. Götsch Centrope/A. Hopf Back Office Loans/ G. Hoffelner Legal Affairs/M. Writze Treasury/T. Geissler Treasury Liquidity Steering/M. Handl Treasury Interest Steering/ J. Bonk Capital Markets / C. Schaefer Consulting & Sales/ D. Voellger Product Management/ 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 Mgmt. /O. Schmölzer Raiffeisen Banks-Service/ J. Bernsteiner Marketing/W. Hanreich Internal Audit/J. Piewald Human Resources/ N. Wendelin Participations/ K. Miesenböck Public Relations/M. Stefan Compliance Officer/ T. Heinrich Anti Money Laundering/ J. Kaggl 14

15 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. Reuters Dealing Code: RLBV INTERNATIONAL DIVISION Felix Mayr, Head of Division Ext Financial Institutions Ivica Bozan, Head of Financial Institutions Ext Natalia Kasatkina, Manager Ext Christiane Tauschitz, Manager Ext Nadja Watti, Senior Manager Ext Corporates Sigrid Regner, Head of International Corporates Ext Martin Mayerhofer, Deputy Head Ext Celine Decarreaux, Senior Manager Ext Adele Gligo, Senior Manager Ext Marlene Rammerstorfer, Manager Ext Silvia Zahradnik, Manager Ext L/C, Guarantees and Trade Finance Irene Kammerhofer, Head of Department Ext Export Finance & FDI Finance Alfred Götsch, Head of Department Ext Country & Bank Analysis Julia Muhr, Head of Country & Bank Analysis Ext TREASURY DIVISION Tim Geissler, Head of Division Ext Treasury Interest Steering Jochen Bonk, Head of Department Ext Christian Stangl, MM & Derivatives Ext Consulting & Sales Detlef Völlger, Head of Department Ext Capital Markets Christian Schaefer, Head of Department Ext Treasury Liquidity Steering Michael Handl, Head of Department Ext PRODUCT MANAGEMENT Regina Reitter, Head of Division Ext Christoph Rosendorfer, Head Product Systems Ext Helene Winter, Senior Manager Payments Ext

International Finance & Financial Institutions Felix Mayr Ext 92228

International Finance & Financial Institutions felix.

at International Corporate Clients Sigrid Regner Ext 92214 Senior

Ext 92859 martin.mayerhofer@raiffeisenbank.

Ext 92353 celine.deacarreaux@raiffeisenbank.

at Financial Institutions & Correspondent Banking Ivica Bozan Senior

CIS Markets Ext 92855 Natalia.kasatkina@raiffeisenbank.

Africa, Latin America christiane.tauschitz@raiffeisenbank.

16 International Finance & Financial Institutions Felix Mayr Ext Executive Vice President, Head of International Division & Head of International Finance & Financial Institutions International Corporate Clients Sigrid Regner Ext Senior Vice President, Head of International Corporate Clients Martin Mayerhofer Deputy Head, International Corporate Clients Ext Celine Decarreaux Senior Manager, International Corporate Clients Ext Adele Gligo Senior Manager, International Corporate Clients Ext Roswitha Amon Assistant Ext Financial Institutions & Correspondent Banking Ivica Bozan Senior Vice President, Head of Financial Institutions SEE, Russia & CIS Ext Natalia Kasatkina Manager Financial Institutions Focus: CIS Markets Ext Christiane Tauschitz Manager Financial Institutions Focus: Asia, Africa, Latin America Ext Nadja Watti Senior Manager Focus: Middle East, Central & Western Europe Ext Marlene Rammerstorfer Manager, International Corporate Clients Ext Silvia Zahradnik Manager, International Corporate Clients Ext

17 Disclaimer This presentation is aimed to give correspondent banks a first overview on Raiffeisenlandesbank Niederoesterreich-Wien (RLB NW) and the Raiffeisen Banking Group Austria. The information contained herein has been prepared from publicly available information or sources that RLB NW believes as reliable. RLB NW however accepts no liability or responsibility for the truth, accuracy, adequacy, completeness of and makes no representation, warranty or undertaking (expressed or implicitly) with respect to the information contained in this presentation. 17

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