Oberbank. Partner to industry and medium-sized businesses Partner to discerning personal banking customers

Transcription

1 Oberbank Partner to industry and medium-sized businesses Partner to discerning personal banking customers 1

2 Two success factors 1. Tradition and independence 2. Regional- and universal banking principle 2

3 1. Tradition and independence More than 140 years of experience Solid shareholder structure 3

4 Traditional values have proved their worth! Foundation of Oberbank 1869 More than 140 years of experience and know-how Reliability, stability and solidity have always been the values Oberbank has lived up to and which also create Oberbank s business model Sound and long-lasting customer relationships Solid shareholder structure Oldest independent listed regional bank in Austria No single shareholder is in a position to assume direct or indirect control Decisions are taken in the region for the region Always and only in the interest of customers, employees and shareholders 4

5 Well-balanced shareholder structure ensures independence Oberbank shareholder structure by voting rights* Generali 3 Banken Holding AG / 2.21% Bank for Tirol and Vorarlberg AG / 18.51% CABO Beteiligungsgesellschaft m.b.h. / 32.54% BKS Bank AG / 18.51% Staff shares / 3.74% Wüstenrot Wohnungswirtschaft reg. Gen.m.b.H / 5.13% Free float / 19.36% * as at 31 December

6 The Management Board of Oberbank AG Dr. Josef Weißl, MBA Member of the Board CEO Dr. Franz Gasselsberger, MBA Chairman of the Board Mag. Florian Hagenauer, MBA Member of the Board 6

7 2. Regional- and universal banking principle 5 countries 154 branches Bank to industry and SME s Bank to discerning personal banking customers 7

8 Strategy and business model have proved their worth Success factor: regional bank Proximity to the customers Principal local bank Cautious risk policy Organic growth Success factor: universal banking principle The business strategy defines business customers and private banking customers as equally important pillars. Personal advisory services and customer-tailored solutions are of highest quality. 8

9 154 branches in 5 countries Oberbank: a regional bank at the heart of Europe The presence of Oberbank in Bavaria was first established in 1990, in the Czech Republic in 2004, in Hungary in 2007 and in Slovakia in

10 Oberbank s presence in Germany / Bavaria Each branch offers leasing consultancy Munich Augsburg Eggenfelden Freising Germering Ingolstadt Landshut Mühldorf Ottobrunn Passau Regensburg Rosenheim Straubing Unterschleißheim Wolfratshausen Nuremberg Aschaffenburg Bamberg Bayreuth Erlangen Neumarkt Schweinfurt Weiden Würzburg 10

11 Oberbank s presence in the Czech Republic Leasing offices in: Prague, České Budějovice, Brno, Hradec Králové, Olomouc, Ostrava, Písek, Plzeň, Tábor, Zlín Prague Brno České Budějovice Český Krumlov Kladno Hradec Králové Jihlava Liberec Mladá Boleslav Opava Ostrava Plzeň Písek Tábor Ústí nad Labem Zlín 11

12 Oberbank s presence in Hungary Budapest Debrecen Györ Kecskemét Szeged Szombathely Leasing offices in: Budapest, Debrecen, Györ, Kecskemét, Szombathely, Pécs 12

13 Oberbank s presence in Slovakia Bratislava Banská Bystrica Nitra Trenčín Žilina Leasing offices in: Bratislava, Nitra, Trenčín, Kosice, Žilina 13

14 Oberbank s leasing presence Leasing offices in Austria, Germany / Bavaria, Czech Republic, Hungary and Slovakia 14

15 Universal banking principle ensures stability 43,300 business customers export- and innovation finance interest rate - and foreign exchange products payment services and cash management documentary and guarantee business structured finance, private equity provision for the future 305,600 personal banking customers finance and support for housing full range of personal pension schemes expertise and know-how in private banking, assets under management advisory and investment services for securities 15

16 Oberbank at a glance: Q Profit from operating activities up 7,5 % to EUR 179,8 million Profit for the year after tax up 10,6 % to EUR 107,4 million Lending to customers up 5,1 % to EUR 12,3 billion Primary deposits up 2,8 % to EUR 13,3 billion Q 1-3/13 Q 1-3/14 Q 1-3/13 Q 1-3/14 Q 1-3/13 Q 1-3/14 Q 1-3/13 Q 1-3/14 167,3 179,8 97,2 107,4 11,7 12,3 12,9 13,3 Loan loss provisions up 0,8 % to EUR 53,5 million Q 1-3/13 Q 1-3/14 53,1 53,5 Core capital ratio 10,67 % total capital ratio 15,36 % Core capital ratio Total capital ratio 10,67% 15,36% 16 * inkl. OeKB, KfW, LfA

17 Excellent development of key ratios Oberbank Oberbank total market Q Q Austria RoE before tax 11,50 % 11,15 % RoE after tax 9,77 % 9,49 % Excess spread 0,61 % 0,55 % Q2/14: - 0,05 % Cost-Income-Ratio 49,31 % 50,78 % Q2/14: 72,6 % Risk-Earning-Ratio 20,38 % 20,78 % Total capital ratio * 15,36 % 16,17 % Core capital ratio * 10,67 % 11,52 % * Core capital ratio 2014 cant be compared with the ratio of 2013: 2014 preliminary proceedings Basel III, 2013 preliminary proceedings Basel II 17

18 Expansion course consistently continued New branches Q : Branches in Szeged and Liberec Additional bank branches are already planned 18

19 Oberbank Share Development of Oberbank Share 19

20 Oberbank Share The Oberbank ordinary share has been listed on the Vienna Stock Exchange since 1 July 1986 The Oberbank share has maintained a conspicuously steady value appreciation ever since. Dividends have always been distributed and were never cut. Success for investors Shareholders who acquired the Oberbank share in 1986 and participated in all capital increases achieved an average annual yield of 8,52% gross of withholding tax and talking into account dividend distributions. 20

21 Oberbank Share Q Ordinary share in Euro 50,20 48,50 48,00 47,30 44,90 42,70 Earnings per share in Euro 4,98 4,26 3,87 3,87 3,43 2,83 Dividend per share in Euro 0,50 0,50 0,50 0,50 0,50 0,50 P/E ratio (ordinary share) 10,08 11,4 12,4 12,2 13,1 15,1 Market capitalisation in Euro million 1.407, , , , , ,8 Quelle: Oberbank / eigene Berechnung; es handelt sich bei den angegebenen Werten um Vergangenheitswerte, zukünftige Entwicklungen können davon nicht abgeleitet werden. 21

22 Financial services of the highest quality We will continue to post stable growth free of surprises. Let s talk about the advantages of having all banking services from one provider. Your reliable partner in all financial affairs. 22