Raiffeisenlandesbank
Niederösterreich-Wien
Company Presentation
Vienna, 2010
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
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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 (2009e), 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
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Raiffeisen in Austria – History & Philosophy
 Raiffeisen Banking Group was founded by F. W. Raiffeisen (1818-1888),
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
F.W. Raiffeisen
 Those local cooperatives formed Raiffeisen Regional Banks like RLB
Niederösterreich-Wien (founded in 1898) at provincial level and RZB in
1927 at federal level1)
 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
The "Gable Cross"
1) See also "Three tier strucure" of Austrian Raiffeisen Banking Group
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Today, the Raiffeisen Banking Group is the most important
financial service provider in Austria
Total Assets [EUR bn]1)
236
Key Data1) (2008)
265
 Total assets: 265.3 bn EUR
205
176
 Total Equity: 20.5 bn EUR
 4 mn customers
 560 banks
 2,310 domestic outlets
2005
2006
2007
2008
Market share of Raiffeisen
by Product 6/2009 [%]
23,2%
Domestic
Loans
Group Participations
27,8%
30,1%
Domestic
Deposits
Saving
Deposits
 Domestic market share of approx.
25%
 4 mn customers, 2 mn members,
31,000 employees served in 560
banks with 1,750 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
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Overview over the Austrian Banking Market
Total Assets
Total Net Profit *
Rating
[EUR bn/2008]
[EUR mn/1H2009]
[Moody's]
Raiffeisen Banking Group1)
265.3
Unicredit Bank Austria Group
215.2
833
A1
Erste Bank Group2)
201.4
492
Aa3
RZB Group
156.9
168
A1
OeVAG Group3)
52.9
-139
Baa1
Bawag/PSK
45.4
13.3
Baa1
Hypo Group Alpe Adria
43.3
-24**
Baa2
RLB Oberösterreich
32.9
115
Aa3
RLB Niederösterreich-Wien4)
27.5
90
Aa3
Oberbank
15.3
38
not rated
Hypo Tirol Bank
13.1
14
Aa1
1)
Legally not consolidated 2) incl. Independent Savings Banks
3)
incl. Investkredit
4) largest shareholder of RZB-Group
* IFRS
** Austrian Accounting Standards
Source: Annual Reports, Bankscope, January 2010
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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 Branches1)
Focus: retail and small companies
8 Raiffeisen Regional Banks own
88% of RZB‘s share capital
8 Raiffeisen Regional Banks
(= Raiffeisenlandesbanken)
RZB
Raiffeisenlandesbank
Niederösterreich-Wien is RZB‘s
largest shareholder (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
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Raiffeisen in Lower Austria/Vienna – Ownership structure
77 Raiffeisen Banks
in Lower Austria
Others
(e.g. Commodity Organisations)
71%
29%
Raiffeisen-Holding
Niederösterreich-Wien reg.Gen.m.b.H.
21.5%
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 (12.6%)
Company Presentation IGE_2010
Non-Bank participations
8
RLB NW: Key Financials and data
IFRS¹
Austrian Accounting Standards
Key data
2007
2008
2009exp
2007
2008
2009/HY
18,251
25,238
29,657
19,549
27,533
30,041
 Operating Profit in mn EUR
191.1
228.7
211.2
357.1
213.4
102.2
 Profit after tax in mn EUR
135.8
107.6
124.0
303.6
29.2
90.3
806
1,211
1,277
1,897
1,920
2,028
17.6 %
10.7 %
10.0%
17.1 %
1.5 %
8.3 %
 Return on Assets
0.8 %
0.5 %
0.5 %
1.69 %
0.12 %
0.59 %
 BIS Ratio (CAR)
11.3%
11.8 %
12.4%
11.4 %
12.0 %
11.4 %
 Tier 1 Ratio
7.4%
8.9%
9.0%
7.5 %
9.1 %
8.6 %
 Cost-Income-Ratio
45 %
42%
45%
30.7 %
43.4 %
44.0 %
 Employees
1,189
1,232
1,250
1,189
1,232
1,238
 Total assets in mn EUR
 Total Equity in mn EUR
 Return on Equity (A/T)
1) At Equity consolidation of RZB Group (31,3%)
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The Lower Austrian Raiffeisenbanks are dominating their local
banking market
Key data (IFRS)
2006
2007
2008
 Total Assets in bn EUR
14.8
15.7
17.6
136.3
142.5
155.1
43.6
35.5
44.1
 BIS ratio
14.5 %
14.8 %
14.0 %
 Cost-Income-Ratio
70.8 %
70.6 %
69.4 %
3,498
3,553
3,591
~ 39 %
~ 39 %
~ 40 %
 Operating Profit in mn EUR
 Profit after tax in mn EUR
 Employees
 Market Share
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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 (12.6%)
– 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
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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
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Raiffeisenlandesbank Niederösterreich-Wien –
Contacts for International Banks at a glance
Website: www.raiffeisenbank.at
Email: firstname.lastname@raiffeisenbank.at
Visiting Address: Friedrich-W.-Raiffeisen-Platz 1, A-1020 Vienna
SWIFT: RLNWATWW
Tel: +43-5-1700 + Ext.
Fax: +43-5-17008 + Ext.
INTERNATIONAL DIVISION
TREASURY DIVISION
Felix Mayr, Head of Division
Tim Geissler, Head of Division
Asset/Liability-Management
Jochen Bonk, Head of Department
Christian Stangl, MM & Derivatives
Ext. 92228
Financial Institutions
Ivica Bozan, Head of Financial Institutions
Samantha Sankholkar, Senior Manager
Nadja Watti, Senior Manager
Christiane Tauschitz, Manager
Corporates
Sigrid Regner, Head of International Corporates
Martin Mayerhofer, Manager
Ext. 92495
Ext. 92274
Ext. 92426
Ext. 93544
Ext. 92214
Ext. 92859
Radoslav Poljasevic, Manager
Marlene Rammerstorfer, Manager
Silvia Zahradnik, Manager
L/C, Guarantees and Trade Finance
Irene Kammerhofer, Head of Department
Ext. 92353
Ext. 92358
Ext. 92481
FX & Securities Sales
Detlef Völlger, Head of Department
Treasury Consulting
Christian Tunkl, Head of Department
Funding & Liquidity Steering
Michael Handl, Head of Department
95591
Ext. 92477
Ext. 95495
Ext. 92752
Ext. 95440
Ext. 95448
Ext.
CASH MANAGEMENT DIVISION
Johann Friedl, Head of Division
Helene Winter, Senior Manager
Ext. 92904
Ext. 92056
Ext. 92157
Export Finance & FDI Finance
Alfred Götsch, Head of Department
Peter
Förster,
Senior
Manager
Company
Presentation
IGE_2010
Ext. 92359
13
Ext. 92249
RLB NW is organized in five business lines
BOARD DIVISION
Retail Banking
Corporate Banking
Financial Markets
G. Kraft-Kinz
R. Karl
G. Rehor
Risk Management/
Organisation
W. Rab
 District Office Retail –
Vienna/North/I. Blaschka
 Corporate Banking Vienna/
M. Rammel
 District Office Retail –
Vienna/East/E. Wesel
 Corporate Banking Lower
Austria/H. Kalenda
 District Office Retail –
Vienna/South/L. Kremser
 Project Finance/G. Riedel
– Funding & Liquidity
Steering/M. Handl
 International Division/
F. Mayr
– Asset/Liability
Management/J. Bonk
– Treasury Services/
M. Szakusits
– Treasury Consulting/
C. Tunkl
 Credit Risk Management/
H. Donath
 District Office Retail –
Vienna/West/R. Fischer
 Private Banking/
Ch. Ohswald
– International Finance &
Correspondent Banking/
F. Mayr
 Commercial Customers/
G. Giefing
– Documentary Business &
Trade Fin./I. Kammerhofer
 Mobile Sales Team/
R. Fischer
– Export & FDI Finance/
A. Götsch
 Retail Banking Raiff.
Employees/A. Toifl
 Back Office Loans/
G. Hoffelner
 Sales Support Vienna/
M. Aschauer
 Centrope/A. Hopf
 Legal Affairs/M. Writze
– Compliance Officer/
T. Heinrich
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 Treasury/T. Geissler
– FX & Securities Sales/
D. Völlger
 Investment Products/
R. Reitter
 Financial Markets Consulting
Raiffeisen Banks/W. Serles
 Accounting & Controlling/
R. Großebner
Raiffeisen Banks/Management-Service Chairman
E. Hameseder
 Raiffeisen Banks-Service/
J. Bernsteiner
– Accounting/
B. Martetschlaeger
 Marketing/W. Hanreich
– Controlling/F. Urbanek
 Human Resources/
N. Wendelin
 Internal Audit/J. Piewald
 Participations/
K. Miesenböck
 Public Relations/P. Wesely
 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
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International Finance & Financial Institutions
Felix Mayr
Ext 92228
Executive Vice President, Head of International Division
& Head of International Finance & Financial Institutions
felix.mayr@raiffeisenbank.at
International Corporate Clients
Roswitha Amon
Assistant
roswitha.amon@raiffeisenbank.at
Financial Institutions & Correspondent Banking
Ext 92214
Senior Vice President, Head of Intern. Corporates
sigrid.regner@raiffeisenbank.at
Ivica Bozan
Martin Mayerhofer
Samantha Sankholkar
Manager, International Corporates Clients Ext 92859
martin.mayerhofer@raiffeisenbank.at
Senior Manager, Focus: CIS & Asia
samantha.sankholkar@raiffeisenbank.at
Sigrid Regner
Radoslav Poljasevic
Ext 92216
Senior Vice President, Head of Financial Institutions
ivica.bozan@raiffeisenbank.at
Ext 92495
Ext 92274
Nadja Watti
Manager, International Corporates Clients Ext 92353
radoslav.poljasevic@raiffeisenbank.at
Senior Manager
Focus: MENA, Central & Western Europe Ext 92426
nadja.watti@raiffeisenbank.at
Marlene Rammerstorfer
Christiane Tauschitz
Manager, International Corporates Clients Ext 92358
marlene.rammerstorfer@raiffeisenbank.at
Manager Financial Institutions
christiane.tauschitz@raiffeisenbank.at
Ext 93544
Irene Buchberger-Vilanek
Assistant
Ext 92853
irene.buchberger-vilanek@raiffeisenbank.at
Silvia Zahradnik
Manager, International Corporates Clients Ext 92481
silvia.zahradnik@raiffeisenbank.at
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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
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