Strategic Initiatives Retail Banking
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- Arthur Hill
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1 Strategic Initiatives Retail Banking Branch Sales Force Effectiveness Fund Management Market Growth Funds A Global Comparison Assets Under Management In bn Regional/Country Growth Rates % AUM Per Capita ,000 US 21, % 4, % Austria 12,000 Poland 470 Czech Republic % World Euro Zone Austria Poland, Czech Republic, Hungary, Slovakia Hungary 510 Slovakia 380 Slide 16 Investor's Handbook Asset Management & Page 40
2 Strong Brand, Big Network, and Ability To Gather Savings Average Volumes Retail Deposits in bn (1) H 2006 Are Strong Attributes To Building A Successful Fund Business Deposits Growing By Approximately 40% Per Annum Since 2002 Premium Brand In Most Markets Signifies Foreign Know How And Safety Branch Outlets 2,390 2, Opportunity To Leverage 2,671 Branches For Fund Distribution H 2006 (1) Aggregated Slide 17 Continuing To Leverage Expertise (and Products) of Raiffeisen Capital Management Established 1985 Shareholding: 100 % Raiffeisen Banking Group Market Leader In Austria (23% Market Share) Assets Under Management > 40 bn 55 Funds For Retail Customers 235 Funds For Institutionals Awarded Best Austrian Large Fund Manager For 5 Year Period (Standard & Poor s) Slide 18 Investor's Handbook Asset Management & Page 41
3 RI Fund Management Business Metrics Assets Under Management in bn Fund Units Now Established In Six Countries Production Centre, R&D And Coordination With Raiffeisen Capital Management in Vienna 1.0 Leadership In New Products (i.e. Guaranteed Funds, Real Estate Funds) 0.7 Spearheading Position In Pension Reform Projects Throughout The Region H 2006 Slide 19 Strong Positioning in Key Markets; First Mover In Russia and Romania Assets Under Management in mn Mkt Share: 8% Mkt Share: 27% Mkt Share: 30% Russia, Romania and Bulgaria Launched In Last 12 Months Serbia To Launch By Yearend; Ukraine To Follow RCM Funds Sold In Czech Republic, Poland, Slovenia, Hungary Slovakia and Bulgaria M 2006 Hungary M 2006 Slovakia M 2006 Croatia Integrate Funds Sales into Current Branch SFE Program Slide 20 Investor's Handbook Asset Management & Page 42
4 Strategic Initiatives Retail Banking Branch Sales Force Effectiveness Fund Management Penetration Rates Life CEE EU-15 Average Premium Life- 40 2,150 Life as part of total insurance business 22% 62% Life Penetration (Annual Premium as % of GDP) 0.6% 5.2% Non-Life Average Premium Non-Life Penetration % 1, % Source: Swiss Re sigma No. 6, RI Slide 22 Investor's Handbook Asset Management & Page 43
5 Is An Integral Part Of RI s Retail Product Strategy Staged New Product Introductions Throughout Region Time To Launch Stand CIS/SEE Stand EU5 Payment Protection CIS/SEE Product/Sales Complexity Payment Protection (PPI) EU5 Slide 23 Building On The Back of Retail Lending Business Selected PPI Penetration Rates % 120 New Volume 1-6/2006 ( mn) % 100% 80% 98% 100% 0 PL UA HR HU CZ SK Mortgage Credit Card Slide 24 Investor's Handbook Asset Management & Page 44
6 Product Introduction Progress & Plans PL CZ SK HU SL RU UA BY RO BG HR CS BH AL KO Mortgage Credit Card Life Ins. Stand SME Package Launched in 2005 Slide 25 Product Introduction Progress & Plans PL CZ SK HU SL RU UA BY RO BG HR CS BH AL KO Mortgage Credit Card Life Ins. Stand SME Package Launched in 2005 Added in 2006 Slide 26 Investor's Handbook Asset Management & Page 45
7 Product Introduction Progress & Plans PL CZ SK HU SL RU UA BY RO BG HR CS BH AL KO Mortgage Credit Card Life Ins. Stand SME Package Launched in 2005 Added in 2006 Will be added 2007 Slide 27 Investor's Handbook Asset Management & Page 46
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