Raiffeisenlandesbank Niederösterreich-Wien AG Member of Austrian Raiffeisen Banking Group Self Introduction

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1 Raiffeisenlandesbank Niederösterreich-Wien AG Member of Austrian Raiffeisen Banking Group Self Introduction Correspondent Banks 1

2 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first glance To understand our background: Introduction of the Raiffeisen Banking Group RLB NoW: Strategy, Key Facts and Figures RLB NoW: International Activities RLB NoW: Contacts Correspondent Banks 2

3 Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first glance RLB NoW is a very important member of the Austrian Raiffeisen Banking Group the largest banking organisation in the country Within the Raiffeisen group, RLB NoW covers the provinces of Vienna and Lower Austria which account for approximately half of the bankable population in Austria RLB NoW is an universal bank with a particular focus on retail, SME and middle market in addition treasury and international have become more important With a 31.4 % shareholding in RZB, RLB NoW-Group is one of the most profitable domestic financial institutions On a stand-alone basis, RLB NoW ranks with a balance sheet total of 14.4 bn EUR (2005) among the top 10 Austrian banks Correspondent Banks 3

4 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first glance To understand our background: Introduction of the Raiffeisen Banking Group RLB NoW: Strategy, Key Facts and Figures RLB NoW: International Activities RLB NoW: Contacts Correspondent Banks 4

5 Raiffeisen in Austria History & Philosophy The Raiffeisen Banking Group was founded by F. W. Raiffeisen ( ), 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 NoW (founded 1898) on provincial level and RZB in 1927 on federal level 1). The Raiffeisen idea has proven to be timeless: Raiffeisen is still a politically neutral and financially independet 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 Correspondent Banks 5

6 Total Loans Total Deposits Investment Funds Savings deposits Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn] 1) , ,75 145, Market share of Raiffeisen by Product [%] 22.2% Total Loans 25.9% 26.7% Total Deposits Investment Funds 28.7% Savings Deposits Key Data 1) (2004) Total assets: 176* bn EUR Operating Profit: 1.69 bn EUR Equity: bn EUR ROE: 15.6% 4 mn customers 30,000 employees Group Participations Largest Austrian banking group with a domestic market share of approx. 25 % 4 mn customers, 2 mn members, 30,000 employees served in 600 banks with 2,200 branches Approx. 70 bn EUR customer deposits (2004) and 45 bn EUR savings deposits Highest safety net 100 % of all deposits insured via the Raiffeisen Cross Guarantee system Fully integrated financial service & IT provider with top market positions in leasing, building societies, insurance, asset management, pension funds, etc. 1) Legally not consolidated *) 2005 Correspondent Banks 6

7 Three-tier ownership pyramid of the Austrian Raiffeisen Banking Group ~ 2 Mio. Cooperative Members in Austria 571 Raiffeisen Banks Branches 1 ) Focus: retail and small companies RLB NoW & 7 other Austrian Raiffeisen Regional Banks 2) Focus of RLB NoW: Retail, SME and corporate banking, 31.4% shareholding in RZB Focus of Raiffeisen International: Corporate, SME, Retail in CEE 10 Mio. customers Focus of RZB: Wholesale Banking for top 1,000 corporates and institutionals as well as international operations via Raiffeisen International 1) 44% of all Austrian banking outlets 2) Raiffeisen Regional Banks account for approx. 88 % of RZB s share capital Correspondent Banks 7

8 In addition, Raiffeisen has become an important international player with a particular strength in Central and Eastern Europe International operations are largely bundled within Raiffeisen International, majority owned by RZB and listed on the Vienna stock exchange Raiffeisen International is one of the leading banks in Central & Eastern Europe with a CEE balance sheet total of 40.7 bn EUR (2005) Albania Belarus Bosnia Bulgaria Czech Rep. Hungary Kosovo Poland Romania Russia Serbia Slovakia Slovenia Ukraine Raiffeisen Bank Priorbank Raiffeisenbank Raiffeisenbank Raiffeisenbank Raiffeisen Bank Raiffeisen Bank Kosovo Raiffeisen Bank Polska Raiffeisen Bank Raiffeisenbank, Impexbank Raiffeisenbank Austria Tatra Banka Raiffeisen Krekova Raiffeisenbank Aval It is represented in 18 markets with 16 subsidary banks serving approx. 10 mn customers in 2,440 branches (Feb. 2006) Raiffeisen Banking Group is also represented with banking units in Singapore, China, New York, London and Malta In addition, Representative Offices in Hong Kong, Seoul, Mumbai, Ho Chi Minh City, Tehran, Brussels, Paris, Milan, Frankfurt, Stockholm, Chicago and Houston complement the international presence Correspondent Banks 8

9 Raiffeisen Units are safe banking institutions for depositors, lenders and Banking Partners RZB, as the central institution of the Raiffeisen Banking Group, is rated A1/P-1 by Moody s RLB NoW as RZB s largest shareholder is not rated, however holds A1 shadow rating on its bond issues (e.g. by DZbank). In addition to the Austrian legal deposit insurance scheme (compensation limited to EUR 20,000), Raiffeisen insures deposits, securities (bonds) up to 100% via the Voluntary Financial Support (Solidarity Cooperatives) on provincial level Raiffeisen Kundengarantiegemeinschaft on federal level Within the history of Raiffeisen, no member bank has ever failed Correspondent Banks 9

10 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first glance To understand our background: Introduction of the Raiffeisen Banking Group RLB NoW: Strategy, Key Facts and Figures RLB NoW: International Activities RLB NoW: Contacts Correspondent Banks 10

11 Vision and Strategy of RLB NoW Vision Strategy To be a highly professional Regional Bank fully dedicated to servicing its customers and shareholding banks, which delivers solid returns to shareholders and for which employees appreciate to work. Be a driving force for the development of our Region and a top product & service provider to our shareholding banks. Expand market share in Vienna particularly in retail banking, SME & corporate banking Provide highest quality banking services to clients and broaden cross selling/product sales Maintain prudent credit risk management and controls Take advantage of the growing CEE markets (shareholding in RZB, Raiffeisen Units, our business) Correspondent Banks 11

12 Raiffeisen in Lower Austria/Vienna Ownership structure 83 Raiffeisen Banks in Lower Austria Others (e.g. Commodity Organisations) 71 % 29 % 21.5 % Raiffeisen-Holding Niederösterreich-Wien reg.gen.m.b.h. Raiffeisenlandesbank Niederösterreich-Wien AG 78.5 % Bank participations e.g. RZB (31.4 %) Non-Bank participations Correspondent Banks 12

13 RLB NoW: Key Financials and data Key data Total assets in mn EUR Operating Profit in mm EUR Profit after tax in mn EUR Total Equity in mn EUR Return on Equity (A/T) Return on Assets Bis Ratio Tier 1 Ratio Cost-Income-Ratio Employees 12, % 1.50 % % 9.29 % 37.0 % 1,004 14, , % 1.55 % % 9.18 % 41.0 % 1,105 Note: Figures according to IFRS, RLB NoW consolidates its 31.4 % stake in RZB-Group at equity Correspondent Banks 13

14 Our shareholders, the Raiffeisenbanks are dominating the banking market in the Region of Lower Austria Key data Total Assets in bn EUR Operating Profit in bn EUR Profit after tax in mn EUR BIS ratio Cost-Income-Ratio Employees Market Share % 72,2 % ~ 40 % % 67.6 % ~ 40 % Correspondent Banks 14

15 Our shareholder, Raiffeisen Holding Lower Austria/Vienna is an important industrial holding company Major Industrial Participations Raiffeisen Holding Key Facts (2005) Group Total Assets: Revenues of Group Companies: Total Equity: Net Income for the year after taxes: Market Value 15.7 bn EUR 15.3 bn EUR 1.8 bn EUR 283 mn EUR ~ 3.1 bn EUR Employees: ~ Correspondent Banks 15

16 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first glance To understand our background: Introduction of the Raiffeisen Banking Group RLB NoW: Strategy, Key Facts and Figures RLB NoW: International Activities RLB NoW: Contacts Correspondent Banks 16

17 "Centrope"-Region is the new regional home market of RLB NoW Initiatives to support clients in activities with neighbouring countries Service Units/International Desk established Close cooperation with RZB - direct shareholdings in well established local banks Raiffeisen Bank, CZ (24.0 %) Tatra Banka, SK (13.6 %) Raiffeisen Bank, H (13.2 %) Joint offices with Ecoplus in Prague, Bratislava, Budapest and Warsaw Centropa Regional Fund Centropa Consulting GmbH Correspondent Banks 17

18 RLB NoW A partner for financial institutions Syndicated/Club loans (Structured) Trade & Export Finance Foreign Payments & Cash Management Products Letters of Credit & LC Finance Treasury/Investment Banking Bonds/Commercial Papers Correspondent Banks 18

19 RLB NoW - A reputable partner in international finance Ranked amongst Top-Cofinancing banks of European Bank for Reconstruction and Development (EBRD) Acknowledged partner bank of International Finance Corporation (IFC) Partner bank for top Arrangers in the International loan syndication market Best Raiffeisen Partner of RZB (2004) Correspondent Banks 19

20 Content Raiffeisenlandesbank Niederösterreich-Wien (RLB NoW) at a first glance To understand our background: Introduction of the Raiffeisen Banking Group RLB NoW: Strategy, Key Facts and Figures RLB NoW: International Activities RLB NoW: Contacts Correspondent Banks 20

21 Raiffeisenlandesbank Niederösterreich-Wien Contacts for International Banks at a glance Website: firstname.lastname@raiffeisenbank.at Tel: Ext. Visiting Address: Friedrich-W.-Raiffeisen-Platz 1, A-1020 Vienna SWIFT: RLNWATWW Fax: Ext. INTERNATIONAL DIVISION Felix Mayr, Head of Division, Ext International Finance & Financial Institutions Claudia Westermayr, Head of Department Ext Johann Duringer, Senior Manager, FI Ext Samantha Sankholkar, Manager, FI Ext Ewald Derflinger, Manager, FI Ext Sigrid Regner, Senior Manager, Corporates Ext Christian Stark, Manager, Corporates Ext Gabriele Bilger, Manager, Corporates Ext Adele Gligo, Manager, Corporates Ext L/C, Guarantees and Trade Finance Irene Kammerhofer, Head of Department Ext Wolfgang Hofstetter, Senior Manager Ext Export & Foreign Direct Investment Finance Alfred Götsch, Head of Department Ext Peter Förster, Senior Manager Ext TREASURY DIVISION Tim Geissler, Head of Division Ext Asset/Liability-Management Jochen Bonk, Head of Department Ext Bondtrading and Sales Herwig Haidn, Head of Department Ext FX-Trading and Sales Josef Mantler, Head of Department Ext Treasury Consulting Christian Tunkl, Head of Department Ext Money Markets Christian Stangl, Head of Department Ext CASH MANAGEMENT DIVISION Johann Friedl, Head of Division Ext Helene Winter, Senior Manager Banks Ext Correspondent Banks 21

22 Disclaimer This presentation is aimed to give correspondent banks a first overview on Raiffeisenlandesbank Niederoesterreich-Wien (RLB NW) and the Raiffeisen Banking Group. 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 presentation, warranty or undertaking (express or implied) with respect to, the information contained in this presentation. Correspondent Banks 22