THE BUSINESS SEGMENTS OF
THE RAIFFEISEN-L ANDESBANK
STEIERMARK AG
CORPORATE CUSTOMER BUSINESS
As a network bank, we held account manager
LIVED PARTNERSHIP
retreats as well as specialist seminars on commercial domestic and international business for the
In
2009
the
corporate
customer
business
of
corporate bankers of Styrian Raiffeisen banks.
Raiffeisen-Landesbank Steiermark AG was once
again focused on the business segments of industry,
34
institutional customers and the public sector. We
INTERNATIONAL SERVICE
have gone through difficult times together with our
WORLD TRADE IN CRISIS
customers and we have overcome them together.
This has included intensive consultations with our
In the wake of the economic crisis, world trade really
customers and bridge financing.
went to the dogs. Through multi-billion Euro aid
packages Austria is trying to shore up dramatically
Volume of financing
EUR 3,360 million
+4.0 %
Deposits
EUR 666 million
+7.5 %
The volume of transactions in derivatives was
EUR 300 million in this business segment and we
could also achieve a very satisfactory new volume of
leasing of EUR 68 million.
In the services business, interest rate hedging was
falling exports. The downward trend could be slowed
in this way, but trade and production in industrial
countries is still at a very low level.
This has also clearly left a mark on our international
business. The total volumes of documentary business decreased by 27 %. Thus, we are once again at
the same level as 2007. The total volume of foreign
payment transactions also declined by 10 %.
a top priority of the cross-selling. At the same time,
the Raiffeisen-Landesbank Steiermark AG could
establish itself very well in the financing and services
PRIVATE CUSTOMER BUSINESS
COMMITTED TO PEOPLE
business as a partner of Styrian corporate clients.
In 2009, the focus of our marketing was on “export”
and “renewable energies”. There were customer
events on both of these topics, which were received
with great interest and were very well attended.
The good news first: In a year characterised by a
difficult environment in the financial sector, our
11 bank branches as well as the “Bauen & Wohnen”
(Building & Living) and “Musterhauspark” (Model
Home Park) competence centres and the “Raiffeisen
UniCenter” (Raiffeisen University Centre) managed
PRIVATE BANKING
close to our customers in 2009. This closeness,
THE DIFFERENCE TO THE EVERYDAY
coupled with top service and consulting, resulted in
an increase in every area of our private customer
2009 was a good year for our Private Banking. We
business in 2009.
have established ourselves very well in Graz and
have got things going. In this way, we have been able
Savings deposits
EUR 513.5 million
+2.88 %
Demand deposits
(incl. investment
and online
savings)
EUR 193.7 million
+33.36 %
to convince many new customers of our offer.
Our
Private
Banking
follows
a
comprehensive
advisory approach. Our top priorities are to create,
increase and secure assets and to provide total
customer service. Our core services range from
Apart from the primary resources listed in the table,
we could also increase the total revenue of resources
(primary
resources,
securities,
building
asset structure consulting to financial planning to
investment of assets and generation management.
society
savings, and insurances) in the private customer
business. It rose by 0.89 % to EUR 1,098.5 million.
The financing volumes also clearly grew. At the
Private banking could increase its market share of
high net-worth private and corporate customers and
improve customer loyalty in 2009.
end of the year, there was a plus of 12.5 % to
EUR 197 million.
The “difference to the everyday” could also be felt at
numerous special customer events and private
Our bank is a place of communication. Of course, we
once again organised a whole series of events for
our customers in 2009. The most notable one was
certainly our energy saving tent, which we presented
as part of the Energy Saving Day on the main square
of Graz.
viewings. For example, there was a panel discussion
on the topic of “The Crisis and Then?”. State
Secretary Reinhold Lopatka spoke on the topic of
“Taxes, Foundations, Mountains of Debt – Where Do
Austria’s Finances Go?” at an evening discussion
and Heinz Nußbaumer inspired the audience with his
talk on “Pilgrimage in Silence – On the Holy Mount
But there were also investments in construction in
2009. The renovation of the bank branch in TheodorKörner-Straße got underway and was finished in
January 2010.
Athos”. The artists Helga Chibidziura, Bernhard
Eisendle and Tone Fink presented their work in the
Raiffeisen Gallery in 2009.
2009 ANNUAL REPORT
to achieve very good results. We were once again
35
INSURANCE & BUILDING SOCIET Y SAVINGS
was a good deal of scepticism about big real estate
WELL INSURED ON A SOLID FOUNDATION
investments outside of metropolitan areas. Nevertheless, we could significantly increase both the
In terms of “traditional endowment insurance“, an
real estate financing (+17.3 %) as well as the real
excellent result could be achieved in 2009 with a
estate brokerage (+10 %).
production of EUR 158.2 million. In comparison with
other Raiffeisen regional banks, Styria was ranked
number 1.
36
An outstanding annual result was once again
achieved for life insurance with a total production
Purchase prices
brokered by
Raiffeisen Real
Estate
EUR 49.6 million
+9.9 %
Home loan net
growth
EUR 178.2 million
+17.8 %
of around EUR 234.3 million.
In accident insurance, the portfolio increased by
8.2 % which clearly surpassed the Austrian average
of 5.8 %.
In terms of building society savings, 458,887 new
savings contracts could be concluded in Styria
As part of the “Green Village“ ideas competition for
architects, the prototype for a new kind of residential
property was created with high demands on ecology,
building biology, quality of housing, security and
affordability. The winning project is to be built in
2010.
alone. This represents an increase of 1.4 % compared to the previous year. It was possible to expand
the overall Austrian portfolio of savings contracts
CAPITAL MARKET & TREASURY
WE CONNECT PEOPLE AND BANKS
to 1,678,680 and thus to relegate our biggest
competitor to second place.
2009 was characterised by an extensive easing of
markets in spring. Risk premiums declined significantly backed by the action of governments and
APARTMENT, HOUSE & CO.
MAKING A HOME
In 2009, we had to manoeuvre through a very difficult
market environment. On the one hand, the demand,
mainly for easy-to-rent town apartments, was great,
but the supply was rather scarce. In addition, there
central banks. The economic crisis was also a big
challenge for the Raiffeisen-Landesbank Steiermark
AG. All the more gratifying was the fact that we
withstood the crisis without any major difficulties.
We even managed to expand the strong liquidity situation of the bank in this environment. Higher returns
Especially in a market environment like 2009, it was
attractive investment opportunities. Many of our
particularly important for us to be able to offer our
customers also took the opportunity to hedge
customers
against future risks such as rising interest rates.
solutions. We have investment products and other
interesting
products
and
possible
instruments to take advantage of interesting market
The
institutional
opportunities and to control risks for both our private
investors was EUR 689.3 million in 2009. There were
issue
volume
to
private
and
and corporate customers as well as for Styrian
EUR 2.5 billion of issues outstanding by the end
Raiffeisen banks.
of 2009.
The development of the Liquiditätsverbund Steier-
RAIFFEISEN BANK SUPPORT
mark (Styrian Liquidity Group) was certainly the
PARTNER AMONG PARTNERS
dominant project of 2009. We thus succeeded
in establishing a liquidity group made up of the
Raiffeisen is a three tier banking system. The local
88 Styrian Raiffeisen banks, the Raiffeisen-Landes-
Raiffeisen banks form the first tier, the Raiffeisen
bank Steiermark AG and the Landes-Hypotheken-
regional banks the second tier, and finally the third
bank Steiermark AG. Joint management of liquidity
tier is the Raiffeisen Zentralbank Österreich AG
according to binding rules guarantees that the
(Raiffeisen Central Bank Austria).
members will be able to act from a position of
strength in the case of future crises.
The Raiffeisen-Landesbank Steiermark AG is, on the
one hand, a bank that operates independently on the
The efficient use of the securities of the group were
market and handles any business that exceeds the
organised in the “Cover Pool Management” project in
possibilities of the local Raiffeisen banks. On the other
order to enhance the competitiveness of the group
hand, it is also an important institution of the net-
and to further expand access to long-term, cheap
work, which takes over many activities for the local
liquidity. This includes access to refinancing options
Raiffeisen banks. This mainly includes sales and
from the Swiss National Bank, the use of securities of
marketing, organisation and business administration.
the Group and the Raiffeisen-Bankengruppe Steiermark (Raiffeisen Banking Group Styria) for partici-
Our scope of services for Styrian Raiffeisen banks
pating in tenders of the European Central Bank and
ranges from active support in the strategic and ope-
the use of receivables as part of what are known as
rational alignment of sales and marketing to the
covered bonds (fundierte Schuldverschreibung).
development of new organisational concepts to the
introduction of business administration systems.
2009 ANNUAL REPORT
were realised and we could offer our customers
37
In 2009, there were 244 projects in total and
A SME financing company was founded at the end of
103 seminars and training sessions for a total of
2008 to assist small and medium-sized businesses.
1,336 participants. Thus, about 43 % of the staff of
Since 2009, it has invested equity in small and
Styrian Raiffeisen banks attended one of the semi-
medium-sized businesses. The focus of its invest-
nars or training sessions offered by the Raiffeisen-
ment strategy is mainly aimed at companies with
Landesbank Steiermark AG.
stable economic development, a viable position on
the market and primarily some connection to the
38
Main focuses of the past year were also the joint
region.
development of a concept for the continued intensification of private customer service as well as
supporting Styrian Raiffeisen banks in overall bank
RAIFFEISEN INFORMATICS CENTER ST YRIA
management systems. Two new controlling instru-
PL AYING IT SAFE BY THE NUMBERS
ments were designed and developed as part of this:
the “Ergebnisvorschaurechnung neu“ (Profit Fore-
The first year after the spin off of the Computing
casting New) and the “KOMPASS“ – an analytical tool
Centre as a division of the Raiffeisen-Landesbank
to monitor volumes, conditions and margins. Both
Steiermark AG to the Raiffeisen Informatik Center
are available to Styrian Raiffeisen banks as of 2010.
Steiermark GMBH (Raiffeisen Informatics Centre) was
characterised by cost optimisation and the further
development of our systems and applications.
SHAREHOLDINGS
STRENGTHENING PARTNERS
Our customers not only expect us to offer them top
quality products and services, but they also expect
2009 saw a slight increase in the book value of our
with good reason that we react promptly to new
shareholdings. It rose from about EUR 1,112 million
challenges. The expansion of the IT services provid-
to around EUR 1,167 million. The change in the
ed by us in the areas of financing, money launder-
investment volume was mainly due to the spin off of
ing, security and treasury can only be implemented
the Computing Centre as a division of Raiffeisen-
by
Landesbank Steiermark AG to its own company.
processes. Our IT services could be further im -
the
continuous
optimisation
of
all
service
proved while at the same time maintaining the
The shareholdings in banks – Raiffeisen Zentralbank
use of resources through a consistent process
Österreich AG, Landes-Hypothekenbank Steiermark
orientation. Our online availability is 99.9 %. The
AG and the network banks in Hungary, Slovenia,
number of online transactions was also impressive
Croatia, and Bosnia-Herzegovina – are still a major
in 2009 at more than 387 million.
part of our shareholdings.
2009 also saw significant increases in every area
ments in the future of the IT infrastructure of our
of payment transactions of the Raiffeisen-Banken-
Group. Besides increasing availability, the goals of
gruppe Steiermark and the Landes-Hypotheken-
all the investments were improved scalability and
bank Steiermark AG. With 110.6 million (+2.7 %)
higher efficiency of the system management. Of
we set a new record in payment transactions. The
course, the costs are also to be reduced in the
number of online customers also grew at an above-
long term.
average rate. More than 197,000 customers use
ELBA, our online platform, which represents an
What was particularly gratifying in 2009 was that we
won the “HP Software Award of Excellence” in the
category of efficiency. The most innovative international company in terms of optimisation projects
in the IT sector was thus honoured.
PAYMENT TRANSACTIONS
OVERCOMING LIMITS
The defining topic of 2009 in payment transactions
was the implementation of the Payment Services Act
(ZaDiG) which went into effect on 1 November. In
preparation for this, a total of 473 employees
of the Raiffeisen Banking Group Styria and the
Landes-Hypothekenbank
Steiermark
AG
were
trained accordingly.
With the entry into force of the Payment Services Act,
we also implemented SEPA (Single Euro Payments
Area) at the same time.
increase of +8.3 %.
2009 ANNUAL REPORT
In the first two quarters of 2009, there were invest-
39
“IN OUR SPORT, YOU CAN ONLY
WIN AS A TEAM. WE NEED GOOD
PL AYERS AND COMPETENT
ADVISORS AND SPONSORS WHO
BELIEVE IN US. LIKE RAIFFEISEN.”
Alexander Nunner, BSC Raiffeisen Fürstenfeld
SPONSOR OF SUCCESS
42
Raiffeisen and its customers. A success story. Both
In 2009, we were, of course, also heavily involved
trust each other and travel together side by side. But
in the social sector. “2 Beine für 4 Pfoten” (2 Legs for
Raiffeisen is not only a reliable partner to customers.
4 Paws), the “Bärenburg” (child safety house), the
Our banking group is also one of the most generous
“Children’s Museum”, the “Maltese Benefit Evening”
sponsors in Styria. We ensure that a lot succeeds
and the “Unemployment Fund of the Graz-Seckau
and that Styria can present itself properly. Whether in
Diocese” are examples of marvellous projects that
sports, the arts, the social sector, or science and
we gladly supported.
research. Regardless where: We are not just there,
we are right in the middle. We not only help teams to
We were also present at the universities of applied
be successful, but we make sure that events can
sciences and universities of Styria in 2009. Our staff
happen, that children can go through life more safely
members were once again sought-after speakers
and that research and teaching can progress. In
and advisors in the university sector in 2009, for
2009, too. Here are a few examples:
example, as part of the “Media Studies program”.
In sports, we were, among others, involved in the
Speaking of media, we were, of course, once again a
“100 Anniversary of Sturm Graz“, we supported the
reliable partner of Styrian media in 2009.
th
basketball players of “BSC Raiffeisen Fürstenfeld”
and “UBSC Raiffeisen Graz” as well as the Styrian
We are there where life takes place and where one
Sports Organisation, the Business Race and the
can find the people of Styria.
Sport-Union (sports umbrella organisation).
In the field of culture, we were, of course, once again
on board as the main sponsor of styriarte. “Porgy
and Bess”, “Summertime” and the “Te Deum” of
Georg Friedrich Händel in Stainz were three productions that we helped make possible and to which
we could welcome customers and partners as
guests. We were also involved in the film project
“Auf den Spuren des steirischen Panthers” (On the
Trail of the Styrian Panther) as well as the JazzWerkstatt (Jazz Workshop) and the French Cultural
Institute.
2009 was a particularly challenging year for bank
Our human resources management makes sure that
employees. For those of the Raiffeisen-Landesbank
this is true in the future, too. In an increasingly com-
Steiermark AG, too. The world economic crisis led to
petitive situation, our main focus is on finding highly
a certain degree of uncertainty among many of our
qualified and talented people who have the potential
customers, with which our tellers were mainly
to grow into the Raiffeisen-Landesbank Steiermark
confronted. Many questions were answered in a
AG and its subsidiaries. Since the high personnel
competent and friendly way and thus worries and
standards that we want to meet are to be guaranteed
fears were allayed in the end. This is also part of
in the future. People with their qualifications, skills
banking. To take the worries and concerns of
and experience as well as their commitment have
customers seriously, to deal with them and to not
always been central to us. We do not leave our
simply dismiss them. But you need the right people
employees alone in their professional career. We
to do this. And we have them.
provide for sound training and further education.
That is what makes an employer attractive.
Human resources is a sector that is subject to a
certain degree of fluctuation. As of 31 December
2009, there were 919 women and men employed in
the Raiffeisen-Landesbank Steiermark AG and its
subsidiaries (excluding the Landes-Hypothekenbank
Steiermark AG). In 2009, there were 40 retirements,
and 27 new colleagues joined our bank and thus
strengthened our team.
2009 ANNUAL REPORT
TEAM SUCCESS
“OUR CUSTOMERS ARE MULTIFACETED JUST LIKE LIFE. THEIR
NEEDS AND DESIRES CHANGE
OVER TIME.
OUR JOB IS TO FIND THE BEST
PRODUCT AT A TIME THAT IS
CONVENIENT FOR THEM.”
Eva Pilger-Buchegger, Raiffeisen-Landesbank Steiermark
47
919 PEOPLE IN THE RAIFFEISENL ANDESBANK STEIERMARK WORK
TOGETHER FOR YOU
Helmut ABERL • Birgit ABL ASSER • Gottfried ADAM • Gerald ADLER • Irmgard ADLER • Rosemarie ADLER • Thomas AGLASSINGER • Daniela ALBRECHER • Wolfgang ALBRECHER • Karl ALLMER • Manfred ALTENSTRASSER • Sabine AMERSTORFER • Alois AMSCHL • Christine ANDERS • Hansjörg ARNDT • Peter
AUER • Karin AUER-TARVAINEN • Ingrid AUGUSTIN • Gebhard AUNER • Armin BACHLER • Silvia BACHLER • Anton BAIER • Karoline BARMÜLLER • Ulrike BARTH • Helmut BAUDENDISTEL • Sabine BAUER • Veronika BAUER • Christian BAUERNHOFER • Johann BAUERNHOFER • Alois BAUMANN • Anton BAUMGARTNER • Ewald
BAUMGARTNER • Thorsten BAUMGARTNER • Veronika BAUMGARTNER • Gerhard BAUMHAKL • Friederike BECKER • Elisabeth BERGHOLD • Sigrid BERGMANN • Sigrid BILEK • Karl Thomas BINDER • Franziska BIRKER • Reinhold BISCHOF • Siegfried BISCHOF • Eveline BL AINDORFER • Karin BLASCHEK • Andrea BLODER • Andrea
BODNER • Daniela BÖHM • Hans-Jörg BORSTNAR • Heinz BRANDL • Eva-Maria BRANDNER • Gerhard BRANDSTÄTTER • Maria BREINER • Irmgard BREITHUBER • Karin BRETTENTHALER • Franz BRETTERKLIEBER • Dzejn BRKIC • Heinz BRÜCKLER • Franz BRUNADER • Alexander BRUNNER • Christian BRUNNER • Ingrid
BRUNNER • Anton BUCHBERGER • Ger t BUCHEGGER • Johannes BURGSTEINER • Claudia BURITSCH • Barbara CAPELLARI • Markus CRESNAR • Elisabeth CSUK • Rober t CSUK • Silvo CVETKO • Franz CZENE • Stefan DAHM • Birgit DAMPFHOFER • Johann DAMPFHOFER • Tamara DANI • Elisabeth DERLER • Johannes DERLER •
Josef DIEBALD • Dimitrios DIMITRIOU • Mario DJUZELIC • Franz DOBLER • Thomas DOKTER • Mar tin DOLINAR • Norber t DOMENIG • Dorothea DOPPELHOFER • Rosemarie DOPPLER • Hannes DORNER • Helga DORNER • Katharina DRAGSCHITS-HAL AJ • Karl ECKHART • Maria EDELSBRUNNER • Reinhold EDELSBRUNNER • Mar tin
EDLER • Stefanie EDLER • Michael EFFERL • Gernot EGGER • Günther EHRENREICH • Markus EIBISBERGER • Stef fen EIBÖCK • Markus EISENHUT • Gerald EISNER • Gerhard EISNER • Ingrid EISNER • Irmgard EISSNER • Anna ELSNEG • Günter ENDERLE • Josef ENGELBOGEN • Eva ENGLER • Ladislaus ERDELY • Reinhard
ERKINGER • Claudia ERNST • Elisabeth ERTL • Otto ESTERL • Andrea FASCHING • Josef FAST • Gerhard FEICHTER • Günther FEIERTAG • Dunja FEIGL • Kerstin FEIRER • Petra FELBER • Markus FELDGITSCHER • Josef FELDHOFER • Gerlinde FELGITSCHER • Roland FELGITSCHER • Adolf FERSTL • Norber t FIGER • Marina
FILIPP • Doris FINK • Wolfgang FINK • Christian FLECHL • Cornelia FLECHL • Gerhard FLECK • Christine FLEISCHHACKER • Günther FLEISCHHACKER • Thomas FORCHE • Monika FORMANEK • Birgit FRANK • Wolfgang FREIBERGER • Stefan FREIDL • Florian FREISSMUTH • Petra FRITSCH • Elisabeth FRÖHLICH • Franz FUCHS •
Marion FUCHS • Sabine FUCHS • Cornelia FUNK • Christine FÜRST • Isabella FURTLEHNER • Franz GAISCH • Rene GAISCH • Mar tin GALLI • Marianne GAMPERL • Karin GANGL • Daniela GANGOLY • Arnold GASSNER • Elisabeth GASSNER • Elmar GASSNER • Erna GASSNER • Karin GAUSTER • Günther GEIEREGGER •
Ger t GENSER • Alessandro GEROMELLA • Eva GFRERRER • Michaela GIMPEL • Helmut GL AUNINGER • Karl GLEHR • Andreas GLETTLER • Andreas GLETTLER • Leila GLETTLER • Hans GOBLIRSCH • Karl GÖTSCHL • Eva GÖTSCHMAIER • Marlies GÖTZL • Walter GÖTZL • Roswitha GOGG • Elfriede GOISER • Patricia
GOL AUTSCHNIG • Bernhard GOLLNER • Josef GOSCH • Edith GRABENHOFER • Judith GRABNER • Harald GRADWOHL • Werner GRAF • Mathilde GRAFONER • David GRASSMUGG • Dietmar GRATZ • Joachim GRATZE • Johannes GRATZER • Ewald GREINIX • Mar tin GREINIX • Mar tina GRIESSLER • Bettina GRILL • Alexandra
GRINSCHGL • Verena GRINSCHGL • Cornelia GROICHER • Ewald GROSS • Richard GROSS • Karl GROSSMANN • Birgit GROSZSCHEDL • Franz GROSZSCHEDL • Sabine GRUBBAUER • Andreas GRUBER • Anita GRUBER • Walter GRUBER • Charlotte GRUNDNER • Franz GSCHWEITL • Ilse GSPURNING • Elmira GULO • Helmut
GUNGL • Ariane GUNHOLD • Hermine GUTJAHR • Daniela GÜTL • Theresia GUTMANN • Klaus GUTTMANN • Vik tor HA AR • Christoph HA AS • Herber t HACKL • Andrea HADOLT • Gabriela HAID • Hermann HAIDACHER • Sieglinde HAIDACHER • Walter HAIDACHER • Jörg HALLEUX • Arndt HALLMANN • Anton HAMMER • Maria
HAMMER • Elisabeth HANFSTINGL • Rudolf HANSELMAYER • Astrid HARLER • Gerlinde HARRANT • Andreas HARRER • Barbara HARTINGER • Gerhard HARTINGER • Irmgard HASENBERGER • Sylvia HASENHÜNDL • Doris HASEWEND • Christina HASIBA • Mario HATZ • Walter HATZ • Annemarie HATZL • Markus HAUPTMANN • Florian
HAUSLEITNER • Tanja HAUSMANN • Andrea HAZELMAYER • Thomas HAZRATI • Markus HEFLER • Vinzenz HEHER • Heiko HELD • Marion HELFER • Claire HEMERY • Renate HERLER-ACHMÜLLER • Michael HERMANN • Stefan HERMANN • Wilhelm HERZER • Gabriele HETZENDORF-ORESNIK • Markus HIEBLER • Mar tina
HIERZENHOFER • Ingrid HIERZER • Katrin HINTEREGGER • Elisabeth HIPPACHER • Ernst HIPPACHER • Josef HIRSCHMANN • Gerhard HOCHSTRASSER • Walter HÖFER • Barbara HÖFLECHNER • Christian HÖFLER • Herber t HÖFLER • Siegfried HÖGL • Elvira HÖSEL • Brigitte HOFER • Josef HOFER • Andrea HOFMAIR • Susanne
HOFMANN • Heriber t HOFMEISTER • Maria HOHENTHAL • Ger fried HOLD • Monika HOLL • Johann HOLZAPFEL • Eva HOLZMANN • Margit HORBATH • Brigitta HUBER • Hermann HUBER • Johann HUBER • Meike HUDA • Daniel HUDL • Christian HUMPEL • Herber t HYDEN • Thomas IMENSEK • Sandra INTHALER • Gabriele JAINDL •
Angela JAMBREC • Wolfgang JAMBREC • Wolfgang JAMMERNEGG • Mar tina JANISCH • Manfred JANSK Y • Albine JANTSCHER • Alexander JAUK • Johann JAUK • Margit JAUK • Sonja JAUK • Margit JAUTZ • Mar tin JEINDL • Kjeld Seneca JENSEN • Barbara JONACHER • Daniela K AGER • Monika K AHLBACHER • Andreas K AHR •
Manfred K AHR • Renate K AHR • Eva K AHR-F RÖHLICH • Margareta K AINDL • Hildegard K AISERFELD • Gerhard K ALCHER • Lisbeth K ALCHER • Peter K ALCHER • Andreas K AMPER • Rosmarie K AMPER • Markus K AMRAT • Heidelinde K ANIK • Andrea K APFENSTEINER • Renate K ARABELAS • Huber ta K ARNER • Natalie K ARNER •
Rudolf K ARNETSCHNIGG • Karin K ASCHNIGG • Karin K ATSCHNIG • Gerhard K AUFMANN • Gerhard K AUFMANN • Marion K AUFMANN • Ewald KERN • Michael KERN • Renate KERN • Sigrid KERNGAST • Beate KESSLER • Dieter KETTL • Michael KIEFER • Walter KIEFER • Sandra KIELHAUSER • Armin KIENREICH • Elisabeth
KINDLHOFER • Christina KIRCHENGAST • Manfred KLAMPFER • Anton KLAPSCH • Marianne KLASNIC • Günter KLEINDL • Renate KLEINDL-POSCH • Brigitte KLINGSBIGEL • Dagmar KLÖCKL • Karin KLÖCKL • Siegfried KLOPF • Uwe KLOSA • Maria KNAPP • Maria KNAUHS • Elke KNEISSL • Evelyn KOCH • Georg KOCH • Gernot
KOCH • Alber t KÖCK • Ernestine KÖCK • Johann KÖCK • Stephan KÖCK • Johann KÖSTL • Sigiber t KÖTSCHLER • Daniela KOFLER • Renate KOFLER • Brigitte KOGLER • Enrico KOGLER • Gerald KOGLER • Werner KOGLER • Helmut KOHL • Johann KOHL • Maria KOHL • Akim KOHLMAYR • Sabine KOINEGG • Karin- Gabriela KOLB •
Maria KOLB • Renate KOLLEGGER • Philipp KOLLER • Alfred KONRAD • Josef KONRAD • Thomas KORMANN • Harald KORSCHELT • Klaus KOTZBECK • Elfriede KOWALD • Gisela KRACH • Eva KRAINZ • Manfred KRANKENEDL • Marco KRAUTNER • Anna KRA XNER • Astrid KRA XNER • Isabella KRA XNER •
Thomas KRA XNER • Rainer KRENN • Franz KRENN • Walter KRESBACH • Josef KRIEGL • Irene KRISPEL • Christian KRITZER • Nicole KROBATH • Marlies KROIS • Harald KROPIK • Franz KUHELNIK • Johannes KUMPITSCH • Petra KUMPITSCH • Mar tin KUNDEGRABER • Rober t KUNTNER • Christian KUPFER • Heinz-Jürgen
KUPSCH • Brigitte KURZ • Alfred L ACKNER • Josef L ACKNER • Stefan L ADLER • Franz L AGNOL • Michael L ALLER • Nikolaus LALLITSCH • Dietmar LAMBAUER • Johannes LAMMER • Christian LANG • Gerhardt LANG • Rosa LANG • Thomas LANG • Detlev LANGREITER • Josef LANZ • Gabriele LECHNER • Johann LECHNER •
Michaela LECHPAMMER • Bettina LEDERER • Helmut LEINDL • Andrea LEINER • Eleonore LEITGEB • Rene LEITNER • Alfred LELLECK • Irmgard LENGER • Friedrich LENGGER • Elfriede LENHARD • Josef LENHARDT • Bernd LEODOLTER • Hans-Jürgen LERCHBACHER • Sabrina LESK Y • Katrin LESNIK • Christiane LETTMAYER •
Uwe LEXNER • Elisabeth LIND • Susanne LIND • Gerhard LINDNER • Anita LIPP • Johann LOH • Wolfgang LOIPNER • Barbara LOITZL • Roland LUBEJ • Heidemarie LUBER • Christoph LUBI • Claudia LÜFTENEGGER • Karin LURF • Bettina LUTTENBERGER • Gerald LUTTENBERGER • Heidemarie MACHER • Karl MACHER •
Helene MADNER • Daniel MAIER • Günter MAIER-PA AR • Markus MAIR • Ger trude MAITZ • Roswitha MAITZ • Sabine MAJCAN • Sabine MALY • Brigitte MANDL • Gerhard MANN • Eva MARCHEL • Kur t MAROLD • Tanja MARTERER • Peter MARX • Ernst MASTNAK • Harald MATL • Margret MATLSCHWEIGER • Marianne
MATZHOLD • Peter MATZHOLD • Andreas MAURER • Gerlinde MAURER • Ingrid MAURER • Walter MAURER • Doris MA XONES • Gerhard MAYER • Horst MAYER • Ursula MAYER • Walter MAYER • Paulus MAYR • Franz MEIREGGER • Iris MEISENBICHLER • Helmut MEISTER • Markus MEISTER • Hannes MEIXNER • Bernhard
MELLITZER • Maria MENAPACE • Dagmar MERNONE • Heimo MESSNER • Christina MICHELI • Andreas MICHITSCH • Gordana MIHALJEVIC • Manfred MINAUF • Roswitha MOISES • Mario MONSCHEIN • Marin MORARU • Veronica MORARU • Verena MORO • Anna MÖRTH • Johannes MÖRTH • Josef MÖSTL • Heide MOSDORFER •
Doris MOSER • Heike MOSER • Marianne MOSER • Mar tin MOSER • Herber t MOTTER • Alexandra MÜHLBAUER • Gerald MÜLLNER • Christian MÜNZER • Thomas MURG • Bernd MURTINGER • Maria NAGER • Beatrix NARATH • Christian NEBEL • Heinz NEBEL • Daniela NEMECEK • Sandra NEUBAUER • Kur t NEUHOLD • Eva
NEURATHNER • Katharina NIESNER • Christa NIGITZ • Daniel NIKITSER • Roswitha NINAUS • Michaela NOVAK • Gabriele OBERER • Maria OBERHUBER • Gerhard ORNIG • Wilhelm ORTNER • Andreas OSL AJ • Erich OSWALD • Ulrike OSWALD-KRAINER • Gabriele PA AR • Anneliese PABI • Wolfgang PACHER • Matthias PACK • Ulfried
PAIER • Annelies PAIERL • Gabriele PANZER • Herber t PAULITSCH • Sonja PAVLICEK • Veronika PEIER • Thomas PEINSITH • Dorothea PEINSITT • Alois PELZMANN • Meike PERL • Sabrina PERSCHLER • Mar tina PESSENHOFER • Werner PETSCHNIK • Iris PFANNER • Klaus PFEIFER • Gregor PFNISS • Gioia
PICCOLROVAZZI HLATK Y • Christian PICHLER • Elisabeth PICHLER • Marian PICHLER • Elisabeth PIERER • Eva PILGER-BUCHEGGER • Johannes PINEGGER • Mia-Ileana PINEGGER • Thomas PINTHER • Michael PINTSCHER • Ingrid PIRER • Ger t PIRKER • Her ta PIRSTINGER • Catherine PISTRICH • Monika PLANINSCHITSCH • Maria
PLANKO • Stefan PLASCHK A • Elisabeth PLEDL • Thomas PLETERSEK • Gerald PLEWA • Thomas PLODER • Sandra PLODERER • Bettina POBASCHNIG • Rudolf POCK • Christine PODMENIK • Gerhard PODMENIK • Gundula PODREPSEK-SCHWARZ • Richard PÖLLINGER • Elisabeth PÖLTL • Sandra PÖTTINGER • Rober t PÖTTLER •
Dietmar PONGRATZ • Michael PONTASCH-HÖRZER • Irena POPIC • Siegfried POSCH • Barbara POSTRUZNIK • Daniela POTOCNIK • Elisabeth PÖTSCH • Helmut POTZINGER • Margareta PRANGL • Evelyn PRANTER • Ulrike PRATH • Harald PRATSCH • Irmgard PREDOTA • Franz PREITLER • Johannes PREM • Werner
PRESSLER • Christina PRETTERHOFER • Bettina PUCHER • Ingrid PURRER • Barbara PÜRSTL-SCHEIN • Wilhelmine PUSTER • Hannes QUAISER • Mar tin RADASCHITZ • Christina RADL • Gerhard RAHBERGER • Michael RAHM • Christine RAINBACHER • Randolf RAINER • Hannelore RANEGGER • Konrad RANNAK • Franz
RAPPOLD • Nina RATH • Christa RATTINGER • Regina RAUSCH • Petra RAUSCHENBERG • Klaudia RECHL • Waltraud RECHLING • Gerald REDER • Rolf REGUL A • Sonja REIHER • Irmgard REINGRUBER • Dieter REINISCH • Karl REINISCH • Maria REINISCH • Jürgen REINTHALER • Gerhard REISCHER • Her wig REISENHOFER •
Manfred REISINGER • Franz REITER • Manfred REITER • Christa REMLER • Marianne RENHART • Erich RENZL • Barbara RESCH • Eva RICHTER-KERNREICH • Sabina RIECK-DILSK Y • Franz RIEDRICH • Elisabeth RIEGER • Hermann RIEGLER • Regina RIEGLER • Regina RINGHOFER-SCHWEIGLER • Mar tina RITZ • Susanne
RÖGER • Franz ROGI • Günther ROHLFING • Peter ROHRER • Edeltraud ROM-BUCHBERGER • Franz ROSENBERGER • Mar tin ROUBAL • Melanie ROYER • Gerald RUCKENSTUHL • Peter RUCKER • Petra RUDERER-KNOLLMAYR • Johann SACHS • Harald SACKL • Manuela SAFRAN • Ulrike SAGMEISTER • Sylvia
SAILER • Chris SALA • Monika SALAWA • Ariane SAMEC-GATTER • Gerhard SAMER • Anton SAMMER • Peter SATTLER • Gerald SAURER • Christiane SAUSENG • Elisabeth SCHADENBAUER • Johannes SCHÄFMANN • Daniel SCHAFLER • Herber t SCHAGER • Stefan SCHANDOR • Gabriele SCHANES-WALENTA • Daniela SCHANTL •
Petra SCHEER • Reinhold SCHEER • Mar tina SCHENK • Erna SCHERZER • Renate SCHETT • Elisabeth SCHEUCHER • Werner SCHEUCHER • Bernhard SCHEUERMANN • Elisabeth SCHIFFER • Marie-Theres SCHIGAN • Harald SCHISTER • Theresia SCHISTER • Manuela SCHL AG • Dietmar SCHL AR • Christian SCHL ATZER • Mar tina
SCHLEGL • Manfred SCHLIBER • Herber t SCHLÖGL • Margit SCHLÖGL • Rober t SCHMALZ • Ursula SCHMER • Barbara SCHMID • Sandra SCHMID • Johannes SCHMIDBAUER • Hermann SCHMIED • Ute SCHMIED • Mar tin SCHMIERDORFER • Ferdinand SCHNABL • Gerhard SCHNEDLITZ • Karl SCHNEEBACHER • Christina
SCHNEIDER • Waltraud SCHNEIDER • Waltraud SCHNEIDER • Wolfgang SCHNIDER • Ernestine SCHOBER • Rober t SCHOBER • Gabriele SCHÖPFER • Johann Alois SCHOLLER • Thomas SCHORS • Helmut SCHOTTER • Josef SCHRAMMEL • Markus SCHRANGL • Daniela SCHREI • Rosemarie SCHREIBMAYER • Renate SCHREINER •
Michael SCHRÖTTNER • Peter SCHRÖTTNER • Joachim SCHULLER • Daniela SCHULZ • Helga SCHUSTER • Christian SCHWAB • Margit SCHWAB • Thomas SCHWABL • Elisabeth SCHWAIGER • Ger fried SCHWARZ • Iris SCHWARZ • Renate SCHWARZENEGGER • Er win SCHWEINZER • Margit SCHWEINZGER • Sonja SCHWIMMER •
Ernest SCHWINDSACKL • Johann SEEBACHER • Monika SEIDLER • Heidi SEINER • Markus SEISZ • Roderich SEUFZER • Gerald SIDAK • Brigitte SIEBENBÄCK • Jürgen SIMBÜRGER • Klemens SIMENKO • Markus SIMMERSTATTER • Petra SIMO • Anton SINGER • Wolfgang SIX T • Tatjana SK ALE • Anita SKEDELJ • Adela SMAJIC •
Anton SONNLEITNER • Ursula SORGER • Sandra SORITZ • Rene SPATH • Harald SPITALER • Eva- Christine SPITZER-GABRIEL • Anna-Maria SPREITZHOFER • Verena SPULLER • Monika STANGL • Helga STEGER • Peter STEGER • Peter STEINBERGER • Mario STEINER • Daniela STEINWENDER • Bernd STEINWIDDER • Christine
STEIRER • Rudolf STELZER • Matthias STERN • Silvia STÖRI • Doris STOISER-NESTL • Jasmine STONI • Mar tin STOTTER • Siegmund STRACHWITZ • Herber t STRALLHOFER • Cornelia STRANZ • Elfriede STRAUSSBERGER • Peter STREIBL • Christina STREICHER • Rudolf STROBEL • Christoph STROBL • Erich STROBL • Markus
STROBL • Marco STROHMEIER • Sigrid STROHMEIER • Veronika STROHRIEGL • Brigitte STROMBERGER • Florian STRYECK • Silke STUBENVOLL-PUFF • Sieglinde STURMER-KONRAD • Gerhard SUDI • Isabel SUPPAN • Klaus SUSCHNIGG • Elisabeth SUTTNIGG-GRUBER • Marianne SWATEK • Monika SWATON • Astrid SZLAMAR •
Anton TACKNER • Gudrun TÄUBEL • Tamara TANFARA-RAK AR • Rober t TANTSCHER • Elke TARMANN • Bernhard TARTLER • Brigitte TA X • Maria TEMMEL • Franz TENGG • Susanne TERSANSKI • Liselotte TEUSCHLER • Edith THALER • Christian THEISSL • Michael THIER • Rosalinde THIER • Herber t THOMANN •
Dietmar THOSOLD • Klaudius THURMAIER • Walter TIEFENGRUBER • Julius TOTH • Thomas TRANTURA • Jenny TRAPPL • Sandro TRAUSSNIG • Siegfried TRÖSTER • Elisabeth TROHA • Alois TRUMMER • Bettina TRUMMER • Claudia TRUMMER • Siegfried TRUMMER • Johannes TSCHEMMERNEGG • Harald TSCHICK • Stefan
TSCHIKOF • Ingrid UITZ • Anton UNGER • Gerhard UNGER • Reinhold UNGER • Doris UNTERSTEINER • Florian UNTERWEGER • Manfred VALLANT • Goran VASILJEVIC-LOCH • Manuela VATERL • Christian VEITSBERGER • Bernd VERONIG • Mar tin VOITECH • Wilhelm VOLLER • Bernhard WAGNER • Gunther WAGNER •
Mar tina WAGNER • Irmgard WAIDACHER • Anita WALCH • Werner WALCHER • Daniela WALLNER • Karin WALTERSDORFER • Astrid WEBER • Johannes WEBER • Mar tin WEBER • Wilfried WEBERN • Johannes WEIDACHER • Alexander WEIGL • Werner WEINGRABER • Michael WEINGRILL • Gerhard WEINHANDL • Maria
WEINHANDL-RÖCK • Werner WEINHOFER • Elke WEISS • Heriber t WEISS • Horst WEISS • Walter WEISSENSTEINER • Karin WENDLER • Thomas WENZEL • Bernhard WESENER • Peter WESIAN • Gabriele WIENER • Rudolf WIENER • Edith WIESER • Rosa-Maria WIESER • Sabine WIESER • Ulrike WIESER • Evelyn WILDBACHER • Karin
WILHELM • Doris WINKLER • Gerhard WINKLER • Sandra WINKLER • Beate WINKLER-KOLBL • Bernd WINTERLEITNER • Bernd WINTERLEITNER • Helga WIPPEL • Johann WOHLESSER • Her wig WONKO • Matthias WÜNSCHER • Ursula WUNDER • Renate WUNDERL • Josef ZACHENEGGER • Birgit ZAUHAR • Ingrid
ZAUNSCHIRM • Gabriele ZECHNER • Thomas ZEHETLEITNER • Mar tin ZEHETNER • Alexander ZERKOWITZ • Waltraud ZIERSCH • Astrid ZIMMERMANN • Eva ZIRKL • Bianca ZITNIK • Sabine ZMUG • Wolfgang ZNIVA • Mar tin ZÖCH • Anna ZÖHRER • Michael ZÖLZER • Peter ZÖRNER • Daniela ZOTTER • Ingrid ZÜGNER
Banks are legal entities. But that doesn’t mean they
Another topic that we were really committed to in
are allowed to be without conscience. Raiffeisen is
2009 was climate protection. In February 2009, the
the best example of this. There have been Raiffeisen
Styrian Raiffeisen banks organised the 2 nd Energy
banks in Styria since 1894. Originally founded as
Saving Day. The topic of saving energy then
local emergency associations, since then we ad-
ran through a variety of events. In November 2009,
minister to the needs of all those who need help or
Raiffeisen and the Economic Initiative Sustainability
support. This is called lived social responsibility.
( WIN) entered into cooperation. Together we want
Raiffeisen supports many projects that benefit the
to persuade companies to use energy in a more
general public.
sensible and more frugal way. There are two
ad vantages to this. On the one hand, companies
Since 2006, there has been the “mobil und sicher”
make an active contribution to climate protection,
(mobile and safe) program. This is where 14 to
and, on the other hand, savings in the energy sector
15 year olds learn about the dangers of alcohol
result in competitive advantages for companies. In a
and drugs, about road safety and how to handle
total of twelve events, companies develop a taste for
money sensibly. Not once, but again and again. Our
improving their energy efficiency. A glance at the
program is held in a total of 30 schools a year.
facts and figures shows that we all have to do
Together with our partners, the Regional School
something for the climate. 88 million tons of CO 2
Board, the “drug judge” Helmut Wlasak, ARBÖ
are released into the air in Austria every year. That
(Austrian Automobile Association), ÖAMTC (Austrian
is 241,000 tons a day or 10.6 tons per inhabitant.
Automobile Association) and the Austrian Road
This means that we produce more than Germany,
Safety Board, we show where these dangers may be
Great Britain and China.
lurking and what happens if you disregard them is
brought home to pupils.
Raiffeisen Styria is helping to make it easier for all of
us to breathe deeply again.
2009 ANNUAL REPORT
FOR SOCIETY –
OUR SOCIAL RESPONSIBILITY
51
If you drive through Styria with your eyes open, you
The Raiffeisen Banking Group Styria itself comprises
will see one sign again and again. The gable cross of
88 independent Raiffeisen banks and the Raiffeisen-
Raiffeisen. From Bad Aussee to Bad Radkersburg
Landesbank Steiermark AG, to whose group the
and from Krakaudorf to Spital am Semmering it
Landes-Hypothekenbank Steiermark AG also be-
stands for closeness to customers, for seriousness
longs. Together we are the biggest banking group
and for security.
in southern Austria and are a large and important
part of the Raiffeisen Banking Group in Austria. The
There are 336 Raiffeisen bank branches in Styria –
Raiffeisen-Landesbank Steiermark AG is the sub-
more than any other bank. There is at least one
sidiary of the local Styrian Raiffeisen banks and one
Raiffeisen branch even there where there hasn’t been
of the parent companies of the Raiffeisen Zentral-
a grocer, a priest, a court, a post office or a police
bank Österreich AG (Raiffeisen Central Bank of
station in a long time. Raiffeisen is there where
Austria). There, it has the second largest share of
the people of Styria live and where business takes
regional banks.
place. Nobody knows the Styrian market better than
we do, because we are there on-site.
But we are not homebodies either. Starting from
Styria we accompany our customers throughout the
RAIFFEISEN BANKING
GROUP STYRIA
FACTS AND FIGURES
2009 ANNUAL REPORT
CLOSE TO PEOPLE AND
TOGETHER WITH THEM
57
2009
2008
88
89
336
336
506,561
501,031
Functionaries
1,136
1,144
Staff members
3,093
3,088
DEPOSITS
103,2
103,2
Number of Raiffeisen banks
Number of Raiffeisen bank branches
(incl. RLB Stmk AG)
Members
58
Initial deposits
12,073 million
11,501 million
Savings deposits
8,848 million
8,642 million
Demand, time and foreign currency deposits
3,225 million
2,859 million
ACCOUNTS
162,6
162,6
Number of savings accounts
1,120,132
1,127,973
Number of current accounts
589,199
576,238
BUILDING SOCIETY SAVINGS
We make our decisions in the region and not in
world, since Styrian companies are active worldwide
Balance of building society deposits
neighbouring countries or elsewhere. In Styria, where
and thus we are too through them. And where our
Balance of building society loans
we are at home and where our customers are at
customers are active, there is usually a Raiffeisen
Number of building loan contracts
home, too. Our customers are also our owners. Not
bank nearby. For the Raiffeisen idea has travelled
CUSTOMER SECURITIES
nameless hedge funds or foreign investors, but
around the world in the truest sense of the word. In
Number of securities deposits
Styrians. There are around 500,000 in our province
2009, Raiffeisen was represented in 17 countries of
Securities holdings
alone. Thus, Raiffeisen can rightly be called a
Central and Eastern Europe and serviced 15 million
LIFE INSURANCE
Styrian enterprise.
customers there. In the Raiffeisen network banks,
Number of contracts
the Styrian enterprise could fall back on Austrian
Calculated annual premiums
banking know-how and thus could find a piece of
home abroad.
13,9
13,9
870 million
822 million
602 million
609 million
307,714
305,712
96,674
101,169
4,295
4,179 million
267,514
257,380
391 million
382 million
Assessed sum insured
4,897 million
4,845 million
Total volume of surrender values
1,285 million
1,182 million
11,552 million
11,081 million
LOANS
(not incl. building society loans)
Amounts in Euro
“WE ARE CURRENTLY MAKING ONE
OF THE BIGGEST INVESTMENTS IN
THE HISTORY OF OUR COMPANY.
THAT IS WHY IT IS IMPORTANT TO
HAVE A RELIABLE PARTNER WHO
UNDERSTANDS OUR CONCERNS.
OUR HOUSE BANK DOES JUST
THAT.”
Martin Wäg, Kastner & Öhler Warenhaus AG
RAIFFEISENL ANDESBANK
STEIERMARK
Kaiserfeldgasse
Annenstraße
Herrgottwiesgasse
Moserhofgasse
Ragnitz
St. Leonhard-LKH
Steirerhof
Theodor-Körner-Straße
Tummelplatz
Zinzendorfgasse
Frohnleiten
ADMONT
Admont
Altenmarkt bei
St. Gallen
Ardning
Landl
St. Gallen
ANGER-PUCHKOGLHOF
Anger
Koglhof
Lebing
Puch bei Weiz
BAD RADKERS BURG-KLÖCH
Bad Radkersburg
Klöch
BIRKFELD - OBERES
FEISTRITZ TAL
Birkfeld
Fischbach
Gasen
Miesenbach
Ratten
Rettenegg
St. Kathrein am
Hauenstein
Strallegg
BREITENAU
Breitenau
DECHANTS KIRCHEN-PINGGAU
Dechantskirchen
Pinggau
St. Lorenzen am
Wechsel
Schäffern
DEUTSCHL ANDS BERG
DeutschlandsbergRaiffeisenstr.
DeutschlandsbergHauptplatz
Frauental
St. Martin im Sulmtal
EDELSCHROT T
Edelschrott
Hirschegg
EGGERSDORF
BEI GRA Z
Eggersdorf bei Graz
Kumberg
St. Radegund
EIBISWALD ST. OSWALD
Eibiswald
Aibl
St. Oswald ob
Eibiswald
FEHRING-ST. ANNA
AM AIGEN
Fehring
Kapfenstein
Lödersdorf
St. Anna am Aigen
FELDBACH-BAD
GLEICHENBERG
Feldbach
Bad Gleichenberg
Mühldorf
FELDKIRCHENK ALSDORF
Feldkirchen
Kalsdorf
FÜRSTENFELD
Fürstenfeld
Altenmarkt bei
Fürstenfeld
Bad Blumau
Burgau
Loipersdorf bei
Fürstenfeld
Therme Loipersdorf
Übersbach
GAMLITZ
Gamlitz
Ehrenhausen
GLEINSTÄT TEN
Gleinstätten
Großklein
Heimschuh
Kitzeck im Sausal
St. Andrä im Sausal
GLEISDORF
Gleisdorf-Florianiplatz
Gleisdorf-LudwigBinder-Straße
Gleisdorf-Neugasse
St. Margarethen
an der Raab
Sinabelkirchen
GNAS
Gnas
GRATKORN
Gratkorn
Deutschfeistritz
Peggau
Übelbach
GRAT WEIN
Gratwein
Judendorf-Straßengel
St. Oswald bei
Plankenwarth
GRA Z-ANDRITZ
Graz-Andritz
Graz-Augasse
Graz-St.-Veiter-Straße
Thal
GRA Z-MARIATROST
Graz-Mariatrost
Graz-Geidorf
Graz-Mariagrün
GRA Z-ST. PETER
Graz-St. Peter
Graz-Liebenau
Graz-Schillerplatz
Hart bei Graz
Raaba
GRA Z-STRASSGANG
Graz-Straßgang
Graz-Alte Poststraße
Graz-Eggenberg
Graz-Puntigam
Graz-Wetzelsdorf
Seiersberg
SCS Seiersberg
GRÖBMING
Gröbming
Aigen im Ennstal
Irdning
Kleinsölk
Pruggern
Stainach
Stein an der Enns
Trautenfels
JUDENBURG
Judenburg-Hauptplatz
Judenburg-Burggasse
Möderbrugg
Oberzeiring
St. Georgen ob
Judenburg
Unzmarkt
GROSS ST. FLORIANWET TMANNSTÄT TEN
Groß St. Florian
Wettmannstätten
K AINDORF
Kaindorf
GROSSSTEINBACH
Großsteinbach
Großhartmannsdorf
KIRCHBERGEDELSBACH
Kirchberg an der Raab
Edelsbach bei
Feldbach
GROSSWILFERS DORF
Großwilfersdorf
Hainersdorf
Söchau
HALBENRAINTIESCHEN
Halbenrain
Tieschen
HARTBERG
Hartberg
St. Johann in der Haide
Schildbach
HATZENDORFUNTERL AMM
Hatzendorf
Unterlamm
HAUSMANNSTÄT TEN
Hausmannstätten
Fernitz
Graz-Thondorf
Vasoldsberg
HEILIGENKREUZKIRCHBACH
Kirchbach in der
Steiermark
Heiligenkreuz
a. Waasen
HITZENDORF
Bankstelle Hitzendorf
Beratungscenter
Hitzendorf
ILZ
Ilz
Nestelbach im Ilztal
Ottendorf
KNIT TELFELD
Knittelfeld
Gaal
Großlobming
Kobenz
St. Lorenzen
St. Marein
Spielberg
LEIBNITZ
Leibnitz
Neutillmitsch
Wagna
LEOBEN-BRUCK
Kompetenzzentrum
Kapfenberg
Bruck a. d. Mur
Eisenerz
Hieflau
Kompetenzzentrum
Leoben
Niklasdorf
Pernegg
Proleb
Radmer
St. Katharein/Laming
St. Peter/Freienstein
Tragöß
Kompetenzzentrum
Trofaiach
Vordernberg
LEUTSCHACHOBERHA AG
Oberhaag
Arnfels
Leutschach
St. Johann im
Saggautal
LIEBOCH-STAINZ
Stainz
Lannach
Lieboch
Tobelbad
LIESINGTAL
Mautern
Kalwang
Kammern im Liesingtal
St. Michael ob Leoben
Wald am Schoberpaß
LIEZEN
Liezen
Lassing
Selzthal
Weißenbach bei Liezen
Wörschach
LIGIST-ST. JOHANN
Ligist
KrottendorfGaisfeld
St. Johann
ob Hohenburg
MARIA ZELLERL AND
Mariazell
Gußwerk
Mitterbach am See
Wildalpen
MARKT HARTMANNSDORF
Markt Hartmannsdorf
MIT TLERES
MÜRZ TAL
Krieglach
Allerheiligen-Mürzhofen
Kindberg
Mitterdorf im Mürztal
Stanz im Mürztal
Veitsch
Wartberg
MOOSKIRCHENSÖDING
Mooskirchen
Söding
MURAU
Murau
Krakaudorf
Murau-St. Egidi
Ranten
St. Georgen ob Murau
St. Lambrecht
Schöder
Stadl an der Mur
MURECK
Mureck
Deutsch Goritz
Gosdorf
Lichendorf
Mettersdorf am
Saßbach
St. Peter am Ottersbach
NESTELBACHST. MAREINL ASSNITZHÖHE
Nestelbach/
Schemmerlhöhe
Laßnitzhöhe
St. Marein bei Graz
NEUMARKTSCHEIFLING
Neumarkt
Mühlen
Scheifling
NÖRDLICHE
OSTSTEIERMARK
Grafendorf
Eichberg
Lafnitz
Mönichwald
St. Jakob im Walde
Waldbach
Wenigzell
OBDACHWEISSKIRCHEN
Obdach
Weißkirchen
OBERES MÜRZ TAL
MürzzuschlagGrazer Straße
MürzzuschlagStadtplatz
Kapellen an der Mürz
Langenwang
Neuberg an der Mürz
Spital am Semmering
ÖBL ARN
Öblarn
Donnersbach
St. Martin am Grimming
PALDAU-STUDENZENEICHKÖGL
Studenzen
Paldau
PASSAIL
Passail
Fladnitz-Teichalm
Gutenberg a. d.
Raabklamm
St. Kathrein am
Offenegg
Semriach
PISCHELSDORFSTUBENBERG
Pischelsdorf
Hirnsdorf
Stubenberg
PÖLL AUVORAU
Pöllau
Vorau
PÖLSTAL
Fohnsdorf
Hohentauern
Pöls
St. Johann a. T.
Zeltweg
PREDINGHENGSBERGST. NIKOL AI/S.
Preding
Hengsberg
St. Nikolai im Sausal
REIN-ST. BARTHO LOMÄ-STIWOLL
St. Bartholomä
Rein
Stiwoll
RIEGERSBURGBREITENFELD
Riegersburg
Breitenfeld
ST. GEORGEN A. D.
STIEFING
St. Georgen an der
Stiefing
Ragnitz
ST. LORENZEN IM
MÜRZ TAL
St. Lorenzen im Mürztal
St. Marein im Mürztal
ST. MARGARETHENSECK AU
St. Margarethen bei
Knittelfeld
Seckau
ST. RUPRECHT
AN DER RA AB
St. Ruprecht an der
Raab
ST. STEFAN- JAGERBERG-WOLFSBERG
St. Stefan im Rosental
Jagerberg
Wolfsberg im
Schwarzautal
ST. STEFANKRAUBATH
St. Stefan ob Leoben
Kraubath
SCHILCHERL AND
St. Stefan ob Stainz
Bad Gams
St. Josef
Wildbach
SCHL ADMINGRAMSAU-HAUS
Schladming
Aich-Assach
Ramsau am Dachstein
Haus im Ennstal
SCHWANBERG
Schwanberg
STALLHOFEN
Stallhofen
Södingberg
STEIRISCHES
SALZK AMMERGUT
Bad Mitterndorf
Bad Aussee
Pichl-Kainisch
Tauplitz
STRADEN
Straden
STRASS -SPIELFELD
Straß
Gabersdorf
St. Nikolai ob Draßling
St. Veit am Vogau
Spielfeld
TEUFENBACHOBERWÖLZST. PETER A . K.
Teufenbach
Mariahof
Nieder wölz
Ober wölz
St. Peter am
Kammersberg
Schönberg-Lachtal
THERMENL AND
Sebersdorf
Bad Waltersdorf
Neudau
TRIEBEN
Trieben
Gaishorn
Rottenmann
TURNAU-AFLENZETMISSL
Turnau
Aflenz Kurort
Etmißl
UNTERPREMSTÄT TEN
Unterpremstätten
Dobl
Wundschuh
VOITSBERG
Voitsberg
Bärnbach
Geistthal
Kainach bei Voitsberg
Köflach
Krems
Modriach
Rosental a. d. Kainach
St. Martin/ Wöllmißberg
WEIZ
Weiz
Heilbrunn
Weiz-Center Süd
WIES
Wies
Pölfing-Brunn
WILDON-LEBRING
Wildon
Allerheiligen bei Wildon
Lebring
Weitendorf
“THE SECRET OF RAIFFEISEN
IS ITS COOPERATIVE NETWORK.
EACH LEVEL WORKS ITS MARKET
AND COOPERATES WITH THE NEXT
LEVEL. ALL TOGETHER WE ARE THE
MOST PROSPEROUS BANKING
GROUP OF AUSTRIA.”
Peter Hoch, Raiffeisenbank St. Stefan-Kraubath
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