Raiffeisen banks.

Raiffeisenlandesbank Niederösterreich-Wien
Self Introduction
May, 2008
1
Content
§ Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) at a first glance
§ To understand our background: Introduction of the Raiffeisen Banking Group
§ RLB NW: Strategy, Key Facts and 2007 Results
§ RLB NW: Contacts
2
Raiffeisenlandesbank Niederösterreich-Wien (RLB NW)
§ RLB NW was founded in 1898 by Lower Austria’s cooperative Raiffeisen banks.
§ Today, RLB NW is with a balance sheet total of ~ 20 bn EUR (2007) the Top 8
Austrian bank in terms of total assets.
§ As a universal bank, RLB focusses on retail, SME and middle market, corporate,
treasury and international.
§ RLB NW is a 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
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 „Gable Cross“
1)
§ The unique trade mark is the so-called „gable cross“ – a symbol of
protection and cooperation.
See also „Three tier strucure“ of Austrian Raiffeisen Banking Group
4
Today, the Raiffeisen Banking Group is the most important
financial service provider in Austria
Total Assets [EUR bn]1)
Key Data1) (2006)
236
§ Total assets: 236 bn EUR2)
§ Operating Profit: 2.59 bn EUR
205
§ Equity: 10.65 bn EUR
146
176
§ ROE: 18.9% (before tax)
§ 4 mn customers
2004
2005
2006
2007
Market share of Raiffeisen
by Product 12/2007 [%]3)
27.8%
§ 31,000 employees
Group Participations
30.1%
§ Largest Austrian banking group with a
domestic market share of approx. 25%
§ 4 mn customers, 2 mn members,
31,000 employees served in 600 banks
with 2,200 branches
§ Approx. 72 bn EUR customer deposits
(2006) and 40 bn EUR savings deposits
§ Highest safety net – 100% of all
deposits insured via the Raiffeisen
Cross Guarantee system
23.2%
Total
Loans
T o ta l L o a n s
1)
2)
3)
Total
Deposits
T o ta l D e p o sits
Savings
Deposits
S a v in g sd e p o sits
Legally not consolidated
2007
Source: Austrian Central Bank, Specialized Raiffeisen companies not included
5
§ Fully integrated financial service & IT
provider with top market positions in
leasing, building societies, insurance,
asset management, pension funds, etc.
Three-tier ownership pyramid of the Austrian Raiffeisen Banking Group
~ 2 Mio. Cooperative Members in Austria
567 Raiffeisen Banks
1.695 Branches1)
Focus: retail and small companies
RLB Niederösterreich-Wien
and 7 other Austrian
Raiffeisen Regional Banks2)
1) 44%
of all Austrian banking outlets
Regional Banks account for approx. 88% of RZB‘s share capital
2)Raiffeisen
6
In addition, Raiffeisen has become an important international player
with a particular strength in Central and Eastern Europe
§ International operations are bundled within Raiffeisen
International (70% owned by RZB, listed on Vienna stock
exchange)
§ Raiffeisen International is a leader in Central & Eastern Europe
with a balance sheet total of 72.7 bn EUR (12/2007)
Albania
Belarus
Bosnia
Bulgaria
Croatia
Czech Rep.
Hungary
Kasachstan
Kosovo
Poland
Romania
Russia
Serbia
Slovakia
Slovenia
Ukraine
Raiffeisen Bank
Priorbank
Raiffeisenbank, Sarajevo
Raiffeisenbank
Raiffeisenbank Austria
Raiffeisenbank
Raiffeisen Bank
Raiffeisen Leasing
Raiffeisen Bank Kosovo
Raiffeisen Bank Polska
Raiffeisen Bank, Bucharest
Raiffeisenbank, Impexbank
Raiffeisenbank Austria
Tatra Banka
Raiffeisen Krekova
Raiffeisen Bank Aval
§ It is represented with subsidary banks and leasing companies in 17
markets serving approx. 14 mn customers in more than 3,000
branches (12/2007)
§ Raiffeisen Banking Group is also represented with banking units in
Singapore, China, New York, London and Malta
§ In addition, RZB-Representative Offices in Hong Kong, Seoul,
Mumbai, Ho Chi Minh City, Brussels, Paris, Milan, Frankfurt,
Stockholm, Chicago and Houston complement the international
presence
7
RLB NW‘s New Company Vision
Raiffeisenlandesbank Niederösterreich-Wien is the leading
regional bank in Centrope and as the largest shareholder of
RZB-Group a major driver in the development of Raiffeisen
Banking Group Austria.
Based on our strong cooperative identity we service our
customers, partners and shareholders with our high quality
banking services. We are committed to sustainable banking
as well as ethics and humanitarian values.
8
Raiffeisen in Lower Austria/Vienna – Ownership structure
82 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
Bank participations:
RZB (31.3%)
Raiffeisen Bank CZ (24.0%)
Raiffeisen Bank HU (16.2%)
Tatra Banka SK (11.4%)
Non-Bank participations
9
RLB NW: Key Financials and data
Key data (IFRS)
2005
20061)
2007
§ Total assets in mn EUR
§ 14,428
§ 16,473
§ 19,554
§ Operating Profit in mm EUR
§ 216.1
§ 327.8
§ 357.1
§ Profit after tax in mn EUR
§ 208.8
§ 297.1
§ 302.8
§ Total Equity in mn EUR
§ 1,230
§ 1,661
§ 1,909
§ Return on Equity (A/T)
§ 19.5 %
§ 21.5 %
§ 17.0 %
§ Return on Assets
§ 1.55 %
§ 1.92 %
§ 1.68 %
§ BIS Ratio
§ 12.6 %
§ 13.2 %
§ 11.7 %
§ Tier 1 Ratio
§ 9.2 %
§ 9.2 %
§ 8.7 %
§ Cost-Income-Ratio
§ 41.0 %
§ 31.2 %
§ 30.7 %
§ Employees
§ 1,078
§ 1,133
§ 1,189
Note: RLB consolidates RZB-Group at equity (31.3%);
10
1) Excluding 2007 one off‘s (RZB sale of RB Ukraine and Bank Turan
Alem)
The "Centrope-Region” is RLB’s enlarged regional home market
§ Direct participations in
– Raiffeisen Bank, Czech Republic (24.0%)
– Tatra Banka, Slovakia (11.4%)
– Raiffeisen Bank, Hungary (16.2%)
§ Close cooperation with RZB in the Region
§ 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
§ Centropa Consulting GmbH
§ Twin City Liner Bratislava-Vienna
11
Raiffeisenlandesbank Niederösterreich-Wien
Contacts for International Banks at a glance
Website: www.raiffeisenbank.at
Email: firstname.lastname@raiffeisenbank.at
Tel: +43-5-1700+Ext.
Visiting Address: Friedrich-W.-Raiffeisen-Platz 1, A-1020 Vienna SWIFT: RLNWATWW Fax: +43-5-17008+Ext.
INTERNATIONAL DIVISION
Felix Mayr, Head of Division
TREASURY DIVISION
Ext. 92228
Tim Geissler, Head of Division
International Finance & Financial Institutions
Claudia Westermayr, Head of Department
Sigrid Regner, Deputy Head, Corporates
Samantha Sankholkar, Manager, FI
Nadja Watti, Manager, FI
Michael Berlin, Manager, FI
Christian Stark, Manager, Corporates
Martin Mayerhofer, Manager, Corporates
Asset/Liability-Management
Ext. 92495
Ext. 92214
Ext. 92274
Ext. 92426
Ext. 92855
Ext. 92358
Ext. 92859
Jochen Bonk, Head of Department
Herwig Haidn, Head of Department
Josef Mantler, Head of Department
Ext. 92446
Treasury Consulting
Christian Tunkl, Head of Department
Ext. 92157
Ext. 92697
Ext. 95448
Money Markets
Christian Stangl, Head of Department
Ext. 92359
Ext. 92249
CASH MANAGEMENT DIVISION
Ext. 92957
Johann Friedl, Head of Division
Helene Winter, Senior Manager Banks
Country & Bank Analysis
Julia Muhr, Manager
Ext. 95440
FX-Trading and Sales
Export Finance & FDI Finance
Alfred Götsch, Head of Department
Peter Förster, Senior Manager
Ext. 95495
Bondtrading and Sales
L/C, Guarantees and Trade Finance
Irene Kammerhofer, Head of Department
Wolfgang Hofstetter, Senior Manager
Ext. 92477
12
Ext. 92336
Ext. 92904
Ext. 92056
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
13