Company Profile. As per April 2018

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1 Company Profile As per April 2018

2 Welcome to Raiffeisen-Leasing (RL) Raiffeisen-Leasing is a whollyowned subsidiary of the Raiffeisen Banking Group. Since 1970, we have enjoyed both Austrian and international success as a direct result of our experience and comprehensive knowledge of the leasing market. We offer our customers innovative and flexible forms of financing, often coupled with customized services in the areas of equipment leasing, motor vehicle leasing and fleet management, real estate leasing and real estate projects. In addition, our customers benefit from the advantages offered by the unique network of the Raiffeisen Banking Group, which spans over 17 countries. We are a trustworthy partner and we advocate renewable energy and e-mobility to help protect the climate and promote sustainability. 200 years Friedrich Wilhelm Raiffeisen Over 130 years of Raiffeisen in Austria: safe regional sustainable 2

3 RL is one of the biggest players in the Austrian and European sector. Current leasing volume ~ 52,750 leasing contracts ~ EUR 3.8 bn in financing volume* Volume of new domestic business ~ EUR 702 m in about 17,000 contracts** Real estate projects Offices 25 new residential buildings in project development sale of 200 residential units per year ~ EUR 250 m total investment costs Austria: Vienna/Lower Austria, Burgenland, Styria, Carinthia, Salzburg, Tyrol, Vorarlberg Western Europe: Germany, Italy, Sweden, Switzerland CEE via RBI: Russia, Belarus, Ukraine, Romania, Serbia, Bulgaria, Kosovo, Albania, Montenegro, Bosnia and Herzegowina, Croatia, Hungary, Slowakia, Czeck Republic Data as of December 31, 2017 * receivables RL group in 2017 ** in Austria, incl. cross-border financing 3

4 Structure of Raiffeisen-Leasing group Public Raiffeisen Bank International (RBI) Raiffeisen Landesbanken 407 Raiffeisenbanken ~1.500 branches 75% 100% 50% Raiffeisen-Leasing Raiffeisen-Leasing Management 75% RL Fuhrparkmgt. RBI Leasing Uniqa Leasing Raiffeisen WohnBau Raiffeisen WohnBau Raiffeisen Corporate Leasing RL Österreich leasing.simply.done. 4

5 RL is the central service provider, with focus on financing mobility Raiffeisen WohnBau established as THE 100% sector-owned property developer Real estate leasing selective municipal business & commercial property; focused market access with product development Extended vehicle & fleet management financing Equipment leasing working closely with SMEs and Corporates RBI Leasing: RL serves as a product partner for RBI s leasing clients RL is the central service provider for leasing and property development. leasing.simply.done

6 The right product to each customer Public Consumers Corporate Clients SMEs leasing.simply.done

7 RL is structured flat Management Compliance Internal Audit B. Mungenast COO A. Schmidecker CEO C. Hayden CRO PARTICIPATIONS SALES LEASING PROPERTY DEVELOPMENT CLIENT- SERVICE RISK- MANAGEMENT SUPPORT & SLA Austria Leasing GmbH A-Leasing SpA Sales Leasing Real estate Management & Property development Client Service Retail Client Service Corporates Credit Management incl. OP RISK Financial Services Corporate Control RL-Nordic AB Client Service Fleet Management ORG/IT AIL Swiss-Austria Leasing AG Legal Shared Services leasing.simply.done

8 The classic product range... Providing standardized and customized offers for private customers, large and corporate customers, the public sector and our sales partners. Vehicle Leasing cars, trucks, fleet management, special vehicles flexibel, fast, inexpensive Equipment Leasing & Vendor Partnerships production machinery, computer systems, medical technology, aircraft, etc. Diverse, from small to large Real Estate Leasing Production halls, warehouses etc. consulting, construction management and financing 8

9 ... supplemented with innovative services and investment opportunities. Services Construction management Fleet management Insurance* Alternative drive systems Electric mobility** Eco fleet management Own real estate projects Raiffeisen WohnBau - Residential and commercial projects in Austria Residential and commercial projects abroad * in cooperation with Raiffeisen Versicherung insurance agency / Uniqa ** RL maintains 1/3 of all electric vehicles registered in Austria 9

10 We re digitalizing the leasing business raiffeisen online leasing calculator RLR big data analytics fleet mgt. app social media website scoring mobility & future In 2018: digital regional bank DRB end-to-end leasing e2e Mein.Leasing recovery 10

11 Raiffeisen-Leasing International: We provide international support for our customers A leading leasing provider in 17 markets in Central and Eastern Europe (CEE) Part of Raiffeisen Bank International AG, a leading universal bank in CEE Offers tailor-made financing solutions Dedicated international vendor sales forces Total assets 12/2017: EUR 2,921 m Main product range: vehicle-, equipment- and real estate leasing 11

12 Leasing is the second important type of corporate financing in Europe Use of different types of financing in the past six months for SMEs in the EU % 37% 35% 23% 23% 24% 20% 19% 19% 19% 18% 17% 15% 15% 15% 10% 9% 8% 8% 7% 7% 6% 6% 6% Credit line / overdraft Leasing / hire-purchase Trade credit Bank loan Internal funds Other loan Grants Factoring 40% 35% 30% 25% 20% 15% 10% 5% 0% Source: Survey Leasing to SMEs in Europe", Brussels, Dec European Commission SAFE Survey, Apr. Oct

13 Leaseurope Ranking 2016: RL came in 16th RL ranks among the world's top performers * Leaseurope (European Federation of Leasing Company Associations), with headquarters in Brussels, works closely with the EU Commission and the European Parliament as it represents the interests of the European leasing sector. Currently more than 50 leasing companies from over 30 countries are members of the organization. Since 2010, Alexander Schmidecker, CEO of Raiffeisen-Leasing, has been a member of Leaseurope's Board. * incl. RLI-network 13

14 Raiffeisen Sustainability Initiative (RNI) Raiffeisen stands for sustainable economy Raiffeisen-Leasing has been a member of RNI (Raiffeisen Nachhaltigkeits-Initiative) since Raiffeisen organisations are committed to a globaly sustainable economic and social model. Development of activities addressing sustainable corporate governance. 14

15 leasing.simply.done. Raiffeisen-Leasing Mooslackengasse 12, A-1190 Vienna t f leasing@rl.co.at

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