BTV at a glance. Since 1904

Transcription

1 BTV at a glance Your partner for cross-border BANKING Since 1904

2 BTV at a glance. Firm footing is what allows us to climb so well. The best way to operate the banking business is in the way that it was invented. Because it needs: banks that invest instead of just speculating. Lending money to support domestic companies and retail clients looking to invest allows them to manage their savings robustly. This is precisely what BTV has been doing for 111 years. With success. Client proximity, profound knowledge, security and reliability are just as in demand today as they were then. That is why we stand by our refreshingly conservative company philosophy. And particularly our complete focus on customer benefit. This is how we link people who may benefit from each other. Over 7,500 owner-managed SMEs and around 110,000 discerning retail customers already trust in the solutions of the BTV VIER LÄNDER BANK in Europe s most attractive economic region: western Austria, Vienna, southern Germany, Switzerland and northern Italy.

3 Only if you have the confidence to go your own way, can you ensure you are not overtaken. Mario Pabst, Gerhard Burtscher (Chairman of the Board) and Michael Perger (from left to right); BTV directors uphold the bank s independence and autonomy. They allow rapid decision-making, tailor-made financial solutions and a business model based on client needs. Top performer since / investing in the home market: The need for a bank that invests in regional companies is high BTV is born / the Wonder of the Inn : As the sole regional incorporated bank, BTV comes through the global economic crisis unscathed and can pay savings deposits out to its customers / Regional expansion: BTV expands into Vienna due to its export-oriented customers / Continuity of management: The first change at the executive level in 53 years and beyond / Cross-border growth: BTV focuses its business model on cross-border business. It starts 2004 with services for Italian customers and opens its first foreign branch in Switzerland. The step towards southern Germany follows in / Promoting engagement: The Stadtforum, BTV s new headquarters, is set up. And a meeting place with concert hall, FO.KU.S photo gallery, Sitzwohl cupola restaurant and training centre / forward-looking: After around 20 years, Peter Gaugg and Matthias Moncher handed over their responsibilities to the new BTV Board Team on 1 January 2016: Chairman of the Board Gerhard Burtscher, Mario Pabst and Michael Perger. BTV SHAREHOLDER STRUCTURE BY VOTING RIGHTS % cabo Beteiligungsgesellschaft m.b.h., Vienna *) % BKS Bank AG, Klagenfurt **) % Oberbank AG, Linz **) 5.42 % UniCredit Bank Austria AG, Vienna *) % Generali 3 Banken Holding AG, Vienna **) 5.37 % Minor shareholders 0.40 % BTV Private Foundation 2.59 % Wüstenrot Wohnungswirtschaft reg. Gen.m.b.H., Salzburg **) *) Group affiliates **) Shareholders who form part of the syndicate agreement

4 BTV at a glance. Passion for business = exploiting cross-border opportunities for our customers. Enterprise bank with 4-COUNTRY expertise Number 1 export bank in western Austria; +18 % increase in export financing volumes Relationship bank for owner-managed, export-oriented SMEs for 111 years Systematically connected beyond borders via 7,500 corporate clients Cross-border solutions Acts as a sparring partner that understands your business model, industry and market Particular expertise in the areas of investment incentives, export financing, company succession planning, pension provision, cash management and leasing Independent insurance solutions via BTV brokers The BTV Team also provides services for corporate retail business customers Exceptional investments One of the most reliable investment partners for around 110,000 discerning retail customers even in economically turbulent times Security: Strong earnings result in EUR 1.15 billion in capital Competence: Awards from firstfive, Elite Report, DerBörsianer and the Austrian Dachfonds Awards demonstrate the above-average performance of BTV Asset Management and 3 Banken-Generali Investment* the groupowned investment company Trust: +21 % growth in volume in Strategic and Premium asset management and EUR 12.7 billion in managed deposits Mobile BTV Team facilitates cross-border investments Nuremberg Baden- Württemberg Winterthur Staad Switzerland Stuttgart Ravensburg Dornbirn Vorarlberg Memmingen Garmisch- Partenkirchen Tyrol Bavaria Munich Innsbruck Kitzbühel Vienna Lienz Alto Adige Trentino * You can find more information about the awards at Note: Awards and successes in the past do not guarantee success or continued growth in the future. BTV VIER LÄNDER BANK BTV is one of the few domestic banks with a full banking licence in Austria, Germany and Switzerland BTV clients in northern Italy are served via a mobile service or from Lienz and Innsbruck. BTV represents the German Chamber of Trade and the Chamber of Trade for Switzerland, Austria and Liechtenstein in Tyrol and Vorarlberg.

5 BTV at a glance. For us, security means: meticulous economising. Key figures for the BTV Group * Change Profit and loss in million Net interest income % Net commission income % Income from financial assets >+100 % Annual net profit before tax % Group net profit for the year % Balance sheet figures in million Total assets 9,426 9, % Debt claims to clients after loan loss provisions 6,360 6, % Primary funds 7,021 6, % Equity 1,149 1, % Managed deposits 12,732 12, % Equity under CRR in million Equity % of which common equity (CET1) % Common equity Tier 1 ratio % % pp Key indicators in pp Return on equity before tax (RoE) % 9.31 % pp Cost/income ratio 58.6 % 57.7 % +0.9 pp Resources Average weighted number of employees (white collar) 1,354 1, Number of branches * 2014 adjusted to the change in the group of consolidated companies. ANNUAL PRE-TAX NET PROFIT in million Core capital ratio in % (BWG until 2013, CRR as from 2014) Independence is the bedrock of BTV s success. And its independence is built on success. BTV conducts its business diligently and exceeds all requirements for a secure bank. EQUITY in million ,024 1,149 MANAGED CUSTOMER FUNDS in million 10,971 11,369 11,523 12,151 12,732 BTV is in sound shape and highly liquid of its own making providing a secure buffer for the bank and its customers. Competence, experience and a down-to-earth attitude continuously increase its customers trust.

6 Bank für Tirol und Vorarlberg Aktiengesellschaft Stadtforum Innsbruck T +43/(0) F +43/(0) btv@btv.at F0019m - 5m - III.16 Photo of the Board: Thomas Schrott