Raiffeisenlandesbank Niederösterreich-Wien

Transcription

1 Raiffeisenlandesbank Niederösterreich-Wien Company Presentation November 2010

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 RLB NW, with a balance sheet total of ~ 32.9 bn EUR (HY2010, IFRS), 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 A1/C- 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) Key Data 1) (2009) Market share of Raiffeisen by Product 12/2009 [%] ,1% 28,6% 31,3% Total assets: bn EUR Total Equity: 21.8 bn EUR 4 mn customers 553 banks 2,291 domestic outlets Group Participations Domestic market share of approx. 29% 4 mn customers, 2 mn members, 32,000 employees served in 553 banks with 1,738 branches Approx. 80 bn EUR domestic customer deposits (12/2009) and 50 bn EUR domestic savings deposits Highest safety net 100% of all deposits insured Fully integrated financial service & IT provider Domestic Loans Domestic Deposits Saving Deposits 1) Legally not consolidated Source: Austrian Central Bank, Specialized Raiffeisen companies not included 5

6 Overview over the Austrian Banking Market Total Assets * Total Net Profit * Rating [EUR bn/hy2010] [EUR mn/hy2010] [Moody's] Raiffeisen Banking Group 1) ) Erste Bank Group 2) Aa3 Unicredit Bank Austria Group A1 RZB Group (RZB+Raiffeisen Bank International ) 3) A1 OeVAG Group 4) Baa1 Bawag/PSK Baa1 Hypo Group Alpe Adria Baa3 RLB Oberösterreich A1 RLB Niederösterreich-Wien A1 Oberbank not rated Hypo Tirol Bank 1) Legally not consolidated 2) incl. Independent Savings Banks 3) Pro Forma 4) incl. Investkredit 5) Figure YE 2009 * IFRS A2 Source: Annual Reports 6

7 The bottom-up ownership pyramid of the Raiffeisen sector in Austria RLB NW is RZB s largest shareholder (31.3%) ~ 2 Mio. Cooperative Members in Austria ~560 Raiffeisen Banks ~1.750 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 (31.3%) 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) 44% of all Austrian banking outlets 7

8 Raiffeisen in Lower Austria/Vienna Ownership structure 74 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) Bank participations: RZB (31.3%) Raiffeisen Bank CZ (24.0%) Raiffeisen Bank HU (16.2%) Tatra Banka SK (12.8%) Non-Bank participations 8

9 RLB NW: Key Financials and data Austrian Accounting Standards Key data IFRS¹ 2009 HY2010 Total assets in mn EUR 25,238 29,657 27,533 31,699 32,941 Operating Profit in mn EUR Profit after tax in mn EUR Total Equity in mn EUR 1, ,996 2,040 2,256 Return on Equity (A/T) 10.7 % 10.0% 1.5 % 8.5% 12.3% Return on Assets 0.4 % 0.4% 0.12 % 0.58% 0.84% BIS Ratio (CAR) 11.8 % 12.4% 12.0 % 12.5% 12.1% Tier 1 Ratio 8.9% 9.0% 9.1 % 9.1% 8.5% Cost-Income-Ratio 42% 45% 43.4 % 44.1% 36.3% Employees 1,232 1,256 1,232 1,256 1,272 1) At Equity consolidation of RZB Group (31,3%) 9

10 Key financials of our shareholders the Lower Austrian Raiffeisenbanks Key data (IFRS) HY 2010 Total Assets in bn EUR Operating Profit in mn EUR Profit after tax in mn EUR BIS ratio 14.0 % 14.4 % 14.2 % Cost-Income-Ratio 69.5 % 74.5 % 72.7% Employees 3,591 3,593 3,593 Market Share ~ 40 % ~ 40 % ~ 40 % 10

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 Direct participations in Raiffeisen Bank, Czech Republic (24.0%) Tatra Banka, Slovakia (12.8%) Raiffeisen Bank, Hungary (16.2%) 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 subsidiary banks 11

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 Christiane Tauschitz, Manager Ext Corporates Sigrid Regner, Head of International Corporates Ext Martin Mayerhofer, Manager Ext Radoslav Poljasevic, Manager Ext Marlene Rammerstorfer, Manager Ext Adele Gligo, Senior 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 Kerstin Kader, Manager Ext TREASURY DIVISION Tim Geissler, Head of Division Ext Asset/Liability-Management Jochen Bonk, Head of Department Ext Christian Stangl, MM & Derivatives Ext FX & Securities Sales Detlef Völlger, 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 Retail Banking G. Kraft-Kinz Corporate Banking 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/ 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 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 14

15 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 Intern. Corporates Martin Mayerhofer Manager, International Corporates Clients Ext Radoslav Poljasevic Manager, International Corporates Clients Ext Marlene Rammerstorfer Manager, International Corporates Clients Ext Adele Gligo Senior Manager, International Corporates Clients Ext Silvia Zahradnik Manager, International Corporates Clients Ext Roswitha Amon Assistant Ext Irene Buchberger-Vilanek Assistant Ext Financial Institutions & Correspondent Banking Ivica Bozan Senior Vice President, Head of Financial Institutions Ext Samantha Sankholkar Senior Manager, Focus: CIS & Asia Ext Nadja Watti Senior Manager Focus: MENA, Central & Western Europe Ext Christiane Tauschitz Manager Financial Institutions Ext

16 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 16