Raiffeisenlandesbank Niederösterreich-Wien

Transcription

Raiffeisenlandesbank
Niederösterreich-Wien
Company Presentation
May 2013
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
Company Presentation RLB NW_2013
2
Raiffeisenlandesbank Niederösterreich-Wien (RLB NW)
 RLB NW was founded in 1898 by Lower Austria's cooperative Raiffeisen banks
 As a universal bank, RLB focuses on retail, SME and middle market, corporate,
treasury and international business
 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
 RLB NW, with a balance sheet total of 32.3 bn EUR (FY2012, IFRS) is among the
Top 7 Austrian banks in terms of assets
 With its 35% 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"
 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 p.7
4
Today, the Raiffeisen Banking Group is the most important
financial
service provider
in Austria
Total Assets [EUR bn]
Key Data (2012)
1)
1)
270
260
292
 Total assets: 291.5 bn EUR
205
 Total Equity: 23.6 bn EUR
 4 mn customers
 502 banks
 2,199 domestic outlets
2006
2009
2011
2012
Market share of Raiffeisen
by Product 12/2012 [%]
26,1%
29,8%
Group Participations
32,4%
 Domestic market share of approx.
30%
 4 mn customers, 1.7 mn
members, 25,000 employees
served in 502 banks with 1,697
branches
 Approx. 88 bn EUR domestic
customer deposits and 51 bn EUR
domestic savings deposits
 Highest safety net – customer
guarantee association members
100% of deposits insured
 Fully integrated financial service
& IT provider
Domestic
Loans
Domestic
Deposits
Saving
Deposits
1) Legally not consolidated
Source: RZB Annual Report 2012, Specialized Raiffeisen companies not included
5
Overview over the Austrian Banking Market
(by total assets)
Total Assets *
Total Net Profit *
after tax
[EUR bn/FY2012] [EUR mn/FY2012]
Rating
[Moody's]
Raiffeisen Banking Group1)
291.5 1)
Erste Bank Group2)
213.8
631
A3
Unicredit Bank Austria Group
207.6
460
A3
RZB Group (RZB+Raiffeisen Bank International)3)
146.0
631
A3 (RZB) / A2 (RBI)
Bawag/PSK Group
41.3
136
Baa2
RLB Oberösterreich Group
39.8
95
A1/C-
Hypo Group Alpe Adria
33.8
3
not rated
RLB Niederösterreich-Wien Group
32.3
23
A1/C-
OeVAG Group
27.7
341
Baa3
Oberbank
17.7
109
not rated
RLB Steiermark Group
15.0
1
A1/C-
Hypo Landesbank Vorarlberg
14.5
5
A1/D+
1)
2)
Legally not consolidated (FY11)
2) incl. Independent Savings Banks
* IFRS
Source: Annual Reports
6
The bottom-up ownership pyramid of the Raiffeisen sector in
Austria – RLB NW is RZB’s largest shareholder (35%)
1.7 mn Cooperative Members in Austria
~494 Raiffeisen Banks
~1,671 Branches1)
Focus: retail and small companies
8 Raiffeisen Regional Banks own
88% of RZB‘s share capital
8 Raiffeisen Regional Banks
(= Raiffeisenlandesbanken)
RZB
Niederösterreich-Wien is RZB‘s
largest shareholder (35%)
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) 43% of all Austrian banking outlets
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Raiffeisen in Lower Austria/Vienna – Ownership structure
70 Raiffeisen Banks
in Lower Austria
Others
(e.g. Commodity Organisations)
79,6%
21.4%
20,4%
Raiffeisen-Holding
Niederösterreich-Wien reg.Gen.m.b.H.
78.6%
Niederösterreich-Wien AG (RLB NW)
Non-Bank participations
8
RLB NÖ-Wien: IFRS Results and Key Figures
Key data
2010
2011
2012
32,683
32,101
32,310
 Operating Profit in mn EUR
341.9
170.2
105.3
 Profit after tax in mn EUR
308.6
110.8
22.5
 Total Equity in mn EUR
2,383
2,003
2,116
 Return on Equity**
14.3%
4.7%
0.7%
1.0%
0.3%
0.1%
13.3%
14.1%
14.9%
9.1%
9.4%
10.3%
 Cost-Income-Ratio
34.6%
52.5%
64.5%
 Employees (full time equiv.)
1,231
1,266
1,285
 Total assets in mn EUR
 Return on Assets***
 BIS Ratio (CAR)
 Tier 1 Ratio (Total Risk)
*) At Equity consolidation of RZB Group (35%)
** before tax *** after tax
9
Key facts about our shareholders – the Lower Austrian
Raiffeisenbanks
Key data (IFRS)
2010
2011
2012
 Total Assets in bn EUR
19.1
19.5
19.8
151
171
129
78
64
87
14.9 %
14.9%
15.6%
71%
68%
75%
3,627
3,684
3,653
~ 40 %
~ 42 %
~ 43 %
 BIS ratio
 Employees
 Market Share
10
Our 35% participation in RZB Group has delivered successful results
RZB Group
Key data
2010
2011
136,497
150,087
145,955
2,427
2,208
1,854
1,168
728
631
 Total Equity in mn EUR
11,251
11,489
12,172
 Return on Equity**
12.5%
10.5%
8.5%
 Return on Assets**
0.88%
0.78%
0.62%
 BIS Ratio (CAR)
12.6%
12.8%
14.5%
9.4%
9.9%
11.4%
55.8%
59.2%
64.4%
 Employees
60,356
59,836
60,694
 Total assets in mn EUR
 Tier 1 Ratio (Total Risk)
2012
*) Pro Forma **) before tax
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
 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 Raiffeisen network
banks
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
13
RLB NW is organized in five business lines
Retail Banking
Corporate Banking
Financial Markets
G. Kraft-Kinz
R. Karl
G. Rehor
 District Office Retail –
Vienna/North/I. Blaschka
 Corporate Banking Vienna/
M. Rammel
Vienna/East/E. Wesel
 Corporate Banking Lower
Austria/H. Kalenda
Vienna/South/L. Kremser
 Project Finance/G. Riedel
 Risk Management/
O. Schmölzer
– Treasury Interest Steering/
J. Bonk
 Organization/IT/M. Wollner
 International Division/
F. Mayr
– Capital Markets / C.
Schaefer
Vienna/West/R. Fischer
 Private Banking/
Ch. Ohswald
– Financial Institutions &
Correspondent Banking/
I. Bozan
 Commercial Customers/
G. Giefing
– International Corporate
Clients/ S. Regner
 Retail Banking Raiff.
Employees/A. Toifl
– Documentary Business &
Trade Fin./I. Kammerhofer
 Sales Support Vienna/
M. Aschauer
– Export & FDI Finance/
A. Götsch
 Treasury/T. Geissler
Risk Management/
Organisation
M. Rab
– Treasury Liquidity
Steering/M. Handl
– Consulting & Sales/
D. Voellger
 Product Management/
R. Reitter
 Financial Markets Consulting
Raiffeisen Banks/W. Serles
 Accounting & Controlling/
S. Puhm
 Work-out
/ P. Ramsauer
Raiffeisen Banks/ ManagementService Chairman
K. Buchleitner
 Raiffeisen Banks-Service/
J. Bernsteiner
 Marketing/W. Hanreich
 Internal Audit/J. Piewald
 Human Resources/
N. Wendelin
 Participations/
V. Haslinger
 Public Relations/M. Stefan
 Compliance Officer/
T. Heinrich
 Anti Money Laundering/
J. Kaggl
 Centrope/A. Hopf
 Back Office Loans/
G. Hoffelner
 Legal Affairs/M. Writze
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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.
Reuters Dealing Code: RLBV
INTERNATIONAL DIVISION
Felix Mayr, Head of Division
Ext. 92228
Financial Institutions
Ivica Bozan, Head of Financial Institutions
Natalia Kasatkina, Manager
Christiane Tauschitz, Manager
Nadja Watti, Senior Manager
Corporates
Sigrid Regner, Head of International Corporates
Ext. 92495
Ext. 92855
Ext. 93544
Ext. 92426
Ext. 92214
Martin Mayerhofer, Deputy Head
Celine Decarreaux, Senior Manager
Adele Gligo, Senior Manager
Marlene Rammerstorfer, Manager
Silvia Zahradnik, Manager
Patrick Cantzler, Manager
Guarantees and Trade Finance
Irene Kammerhofer-Gartner, Head of Department
Ext. 92859
Ext. 92353
Ext. 92827
Ext. 92358
Ext. 92481
Ext. 92831 L/C,
Country & Bank Analysis
Julia Muhr, Head of Country & Bank Analysis
Ext. 92957
TREASURY DIVISION
Tim Geissler, Head of Division
Treasury Interest Steering
Jochen Bonk, Head of Department
Christian Stangl, MM & Derivatives
Consulting & Sales
Detlef Völlger, Head of Department
Capital Markets
Christian Schaefer, Head of Department
Treasury Liquidity Steering
Michael Handl, Head of Department
Ext. 92477
Ext. 95495
Ext. 92752
Ext. 95440
Ext. 92437
Ext. 95591
PRODUCT MANAGEMENT
Regina Reitter, Head of Division
Christoph Rosendorfer, Head Product Systems
Helene Winter, Senior Manager Payments
Ext. 95620
Ext. 92905
Ext. 92056
Ext. 92157
Company Finance
Presentation RLB
NW_2013
Export
& FDI
Finance
Alfred Götsch, Head of Department
15
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
Ext 92214
Senior Vice President, Head of International Corporate Clients
sigrid.regner@raiffeisenbank.at
Deputy Head, International Corporate Clients
martin.mayerhofer@raiffeisenbank.at
Celine Decarreaux
Senior Manager, International Corporate Clients
celine.deacarreaux@raiffeisenbank.at
Adele Gligo
Senior Manager, International Corporate Clients
adele.gligo@raiffeisenbank.at
Marlene Rammerstorfer
Manager, International Corporate Clients
marlene.rammerstorfer@raiffeisenbank.at
Silvia Zahradnik
silvia.zahradnik@raiffeisenbank.at
Assistant
roswitha.amon@raiffeisenbank.at
Patrick Cantzler
Sigrid Regner
Martin Mayerhofer
Roswitha Amon
Patrick.cantzler@raiffeisenbank.at
Ivica Bozan
Ext 92353
Natalia Kasatkina
Ext 92358
Ext 92831
Financial Institutions & Correspondent Banking
Ext 92859
Ext 92827
Ext 92216
Senior Vice President, Head of Financial Institutions
SEE, Russia & CIS
ivica.bozan@raiffeisenbank.at
Ext 92495
Manager Financial Institutions
Focus: CIS Markets
Natalia.kasatkina@raiffeisenbank.at
Ext 92855
Christiane Tauschitz
Manager Financial Institutions
Focus: Asia, Africa, Latin America
christiane.tauschitz@raiffeisenbank.at
Ext 93544
Nadja Watti
Senior Manager
Focus: Middle East, Central & Western Europe Ext 92426
nadja.watti@raiffeisenbank.at
Ext 92481
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.
17

Raiffeisenlandesbank Niederösterreich-Wien

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