Living for the - Raiffeisen
Living for the - Raiffeisen Living for the - Raiffeisen
Living for the RLB NÖ-WIEN in 2011: AN OVERVIEW FUTURE Strength through Solidarity 125 years of Raiffeisen in Austria. Firmly on Course The RLB NÖ-Wien Group’s numbers at a glance. Sustainability Raiffeisen’s values: as modern now as they were 125 years ago.
- Page 2 and 3: Working Together for Strength As th
- Page 4 and 5: The RLB NÖ-Wien Group’s IFRS Num
- Page 6: Structure RAIFFEISEN BANKS IN LOWER
<strong>Living</strong> <strong>for</strong> <strong>the</strong><br />
RLB NÖ-WIEN in 2011: AN OVERVIEW<br />
FUTURE<br />
Strength through Solidarity<br />
125 years of <strong>Raiffeisen</strong> in Austria.<br />
Firmly on Course<br />
The RLB NÖ-Wien Group’s numbers at a glance.<br />
Sustainability<br />
<strong>Raiffeisen</strong>’s values: as modern now as <strong>the</strong>y<br />
were 125 years ago.
Working Toge<strong>the</strong>r <strong>for</strong> Strength<br />
As <strong>the</strong> central institution of <strong>Raiffeisen</strong>-Bankengruppe Niederösterreich-Wien<br />
(<strong>the</strong> <strong>Raiffeisen</strong> Banking Group in Lower Austria and Vienna), <strong>Raiffeisen</strong>landesbank<br />
Niederösterreich-Wien (RLB NÖ-Wien) is also committed to <strong>the</strong><br />
cooperative identity of its owners: <strong>the</strong> <strong>Raiffeisen</strong> Banks in Lower Austria.<br />
In economically challenging times, including 2011, <strong>the</strong> cooperative has proved<br />
to be an ideal business model. Profit is not an end to itself but ra<strong>the</strong>r a benefit<br />
<strong>for</strong> <strong>the</strong> cooperative’s many members especially <strong>the</strong> people living in <strong>the</strong> region.<br />
2012, which is <strong>the</strong> International Year of <strong>the</strong> Cooperative, brings back into focus<br />
Friedrich Wilhelm <strong>Raiffeisen</strong>’s core values: solidarity, subsidiarity, and<br />
regionality. <strong>Raiffeisen</strong> in Austria lives <strong>the</strong>se values <strong>the</strong> same today as it did<br />
125 years ago. This commitment is felt by our customers, our employees and<br />
our business partners.<br />
<strong>Raiffeisen</strong>’s Jubilee in 2011:<br />
The cooperative concept of <strong>the</strong> social re<strong>for</strong>mer Friedrich<br />
Wilhelm <strong>Raiffeisen</strong> (1818–1888) is as effective now as it<br />
was when <strong>the</strong> first Austrian <strong>Raiffeisen</strong> Bank was set up in<br />
Mühldorf near Spitz an der Donau (Lower Austria) in December<br />
1886. Friedrich Wilhelm <strong>Raiffeisen</strong> summed up his ideas<br />
with a simple principle: toge<strong>the</strong>r we are stronger. This principle<br />
has been valid in Austria´s <strong>Raiffeisen</strong> organization <strong>for</strong> 125<br />
years.<br />
For decades, <strong>Raiffeisen</strong> has been <strong>the</strong> backbone and engine<br />
of <strong>the</strong> Austrian economy. The <strong>Raiffeisen</strong> Banking Group, including<br />
RLB NÖ-Wien, as well as o<strong>the</strong>r cooperative enterprises<br />
in <strong>the</strong> <strong>Raiffeisen</strong> organization have over it´s long history<br />
become a driving <strong>for</strong>ce and pioneer of new market developments.<br />
Retail Banking:<br />
Currently, over 600 account managers are servicing<br />
RLB NÖ-Wien’s customers at 66 branches and offices<br />
in Vienna, including 48 retail banking branches,<br />
seven private banking offices and six special centres <strong>for</strong><br />
trade and business customers. The <strong>Raiffeisen</strong>-Mitarbeiter-<br />
Beratung (consultation) staff advisory units provide special<br />
services at ano<strong>the</strong>r five locations <strong>for</strong> companies belonging to<br />
<strong>the</strong> Austrian <strong>Raiffeisen</strong> organization and <strong>the</strong>ir employees.<br />
Due to its line of quality products and services, <strong>Raiffeisen</strong><br />
already has approximately 265,000 customers in Vienna,<br />
holding a market share of approximately 13 percent. One in<br />
three companies with a balance sheet of up to €5 million<br />
is a customer, and every fifth entrepreneur in professional<br />
services in Vienna is serviced by <strong>Raiffeisen</strong> Private Banking,<br />
giving <strong>Raiffeisen</strong> in Vienna over 10,000 prime retail banking<br />
customers.
Haugschlag<br />
Reingers<br />
Leopoldsdorf<br />
Waldkirchen/Th.<br />
Litschau<br />
Kautzen<br />
Dobersberg-Waldkirchen<br />
Weikertschlag<br />
Eisgarn Eggern<br />
(Dobersberg)<br />
Gastern<br />
Karlstein/Thaya<br />
Heidenreichstein<br />
Thayatal-Mitte<br />
Brand<br />
(Raabs/Thaya)<br />
Nagelberg<br />
Seyfrieds<br />
Amaliendorf<br />
Waidhofen/Thaya<br />
Aigen b. Raabs<br />
Groß-Siegharts<br />
Oberes Waldviertel<br />
(Schrems)<br />
Gmünd<br />
Vitis<br />
Ludweis<br />
Hoheneich<br />
Windigsteig<br />
Schwarzenau<br />
Dietmanns<br />
Gmünd II<br />
Hirschbach<br />
Kirchberg am Walde<br />
Göpfritz<br />
Weitra Waldenstein<br />
Irnfritz<br />
Echsenbach<br />
Süßenbach<br />
Allentsteig<br />
Groß-Globnitz<br />
Schweiggers<br />
St. Martin<br />
Groß Schönau Jagenbach Oberstrahlbach<br />
Bad Groß Pertholz<br />
Pater Werner Deibl-Str.<br />
Region Waldviertel Mitte<br />
Industriestraße<br />
(Zwettl)<br />
Friedersbach<br />
Langschlag<br />
Krumau<br />
Groß Gerungs<br />
Rastenfeld<br />
Kirchbach<br />
Groß-Göttfritz<br />
Niedergrünbach<br />
Rappottenstein<br />
Waldhausen<br />
Gföhl<br />
Grainbrunn<br />
Lichtenau<br />
Grafenschlag<br />
Arbesbach<br />
Groß Reinprechts<br />
Sallingberg<br />
Albrechtsberg<br />
Purk<br />
Altmelon<br />
Els<br />
Schönbach<br />
Traunstein<br />
Dürnstein<br />
Ottenschlag-Martinsberg<br />
(Ottenschlag)<br />
Weissenkirchen<br />
Kirchschlag<br />
Rossatz<br />
Bärnkopf<br />
Mühldorf<br />
Martinsberg<br />
Raxendorf<br />
Pöggstall<br />
Laimbach<br />
Maria Laach<br />
Gansbach<br />
Neukirchen/Ostrong<br />
Weiten<br />
Yspertal<br />
Leiben Emmersdorf<br />
St.Oswald<br />
Münichreith<br />
Hafnerbach<br />
Artstetten<br />
Mauer Prinzersdorf<br />
MariaTaferl<br />
Melk<br />
Nöchling<br />
Marbach<br />
Region Melk<br />
Gerersdorf<br />
Krummnußbaum<br />
(Pöchlarn)<br />
Großsierning<br />
Neustadtl<br />
Privat Banking Loosdorf<br />
St.Valentin-Haag<br />
Persenbeug<br />
Bahnhofstraße<br />
Golling<br />
(St.Valentin)<br />
Erlauf<br />
Ybbs<br />
Ardagger Markt<br />
St.Martin-Karlsbach<br />
Hürm<br />
Kemmelbach<br />
Langenhart<br />
Stephanshart<br />
St.Georgen<br />
Neumarkt/Ybbs<br />
Wallsee<br />
Viehdorf<br />
Region<br />
am Ybbsfelde<br />
Eisenwurzen Region Mank<br />
Strengberg<br />
Zeillern Hauptplatz<br />
Blindenmarkt (Wieselburg)<br />
Oed<br />
Leonhofen<br />
Bischofstetten<br />
Haag<br />
Amstetten-Ybbs (Amstetten)<br />
Mauer-Öhling<br />
Hofstetten/<br />
Allersdorf Ferschnitz<br />
Kilb<br />
Vestenthal<br />
Pielach<br />
Euratsfeld<br />
Wolfsbach<br />
Kirnberg<br />
Haidershofen<br />
Ulmerfeld-Hausmening<br />
Im Mostviertel,<br />
Steinakirchen<br />
Oberndorf<br />
Rabenstein<br />
Aschbach<br />
Purgstall<br />
Neuhofen/Ybbs<br />
Texing<br />
Weistrach<br />
St.Peter i.d.Au<br />
Kematen/Ybbs<br />
Biberbach Allhartsberg<br />
St.Georgen/ Kirchberg/Pielach<br />
Behamberg<br />
Leys<br />
Randegg<br />
Rosenau<br />
Gresten<br />
Kleinraming<br />
Böhlerwerk<br />
Frankenfels<br />
Reinsberg<br />
Ybbstal<br />
(Waidhofen/Ybbs)<br />
St.Anton<br />
Schwarzenbach<br />
Ybbsitz<br />
Im Vogelsang<br />
Gaming<br />
Türnitz<br />
Opponitz<br />
Hollenstein/Ybbs<br />
Ybbs<br />
Göstling/Ybbs<br />
Lunz am See<br />
Drosendorf<br />
Riegersburg<br />
Langau<br />
Japons<br />
Pleißing<br />
Geras<br />
Weitersfeld<br />
Ottenthal<br />
Retz-Pulkautal<br />
Drasenhofen<br />
(Retz)<br />
Wildendürnbach<br />
Unterretzbach<br />
Pernegg<br />
Obermarkersdorf<br />
Neudorf<br />
Seefeld-Kadolz<br />
Theras<br />
Wulzeshofen<br />
Schrattenberg<br />
Schrattenthal Haugsdorf Seefeld-Hadres (Hadres)<br />
Falkenstein Herrnbaumgarten<br />
Laa/Thaya<br />
Pernersdorf<br />
Reintal<br />
Pulkau<br />
Zellerndorf<br />
Obritz Zwingendorf<br />
Katzelsdorf Bernhardsthal<br />
Sigmundsherberg<br />
Alberndorf<br />
Watzelsdorf<br />
Unterstinkenbrunn<br />
Kautendorf<br />
Rabensburg<br />
Röschitz<br />
Poysdorf<br />
Altlichtenwarth<br />
Horn<br />
Gaubitsch<br />
Groß Harras<br />
Guntersdorf<br />
Roseldorf<br />
Wullersdorf<br />
Stronsdorf<br />
Bernhardsthal-Großkrut-<br />
Eggenburg<br />
Nappersdorf<br />
Hausbrunn<br />
Altlichtenwarth Hauskirchen<br />
Hohenau<br />
Mittergrabern<br />
(Großkrut) Prinzendorf Palterndorf-<br />
Straning<br />
Dobermannsdorf<br />
Gars/Kamp<br />
Sitzendorf<br />
Gnadendorf Asparn/Zaya<br />
Neusiedl/Zaya<br />
Mistelbach<br />
Niederschleinz<br />
Wilfersdorf Maustrenk<br />
Nieder-Absdorf<br />
St. Leonhard/Hw.<br />
Landespflege- u.<br />
Ringelsdorf<br />
Zistersdorf-Dürnkrut<br />
Maissau<br />
Pens.-Heim<br />
Hollabrunn<br />
Niederleis<br />
(Zistersdorf) Eichhorn<br />
Ravelsbach<br />
Ladendorf<br />
Drösing<br />
Groß-Meiseldorf Ziersdorf<br />
Herzogbirbaum<br />
Groß-Inzersdorf<br />
Sierndorf<br />
Schönberg Mühlbach<br />
Breitenwaida<br />
Glaubendorf<br />
Ernstbrunn<br />
Obersulz<br />
Jedenspeigen<br />
Schrick<br />
Hohenwarth<br />
Niedersulz<br />
Loidesthal<br />
Großweikersdorf-<br />
Oberkreuzstetten<br />
Haindorf<br />
Großmugl<br />
Velm-Götzendorf<br />
Wiesendorf-Ruppersthal<br />
Gaweinstal<br />
Dürnkrut<br />
Spannberg<br />
Lengenfeld Straß Großriedenthal (Großweikersdorf) Göllersdorf<br />
Groß-Rußbach<br />
Hochlei<strong>the</strong>n<br />
Im Weinviertel- Waidendorf<br />
Nieder-Hollabrunn<br />
Droß<br />
Langenlois<br />
Ruppersthal<br />
Hautzendorf<br />
Hohenruppersdorf<br />
Bad<br />
Engabrunn<br />
Würnitz<br />
Nieder-Rußbach<br />
Pirawarth<br />
Ebenthal<br />
Senftenberg<br />
Feuersbrunn<br />
Sierndorf<br />
Kirchberg/Wagram<br />
Leitzersdorf<br />
Groß-Schweinbarth Stillfried<br />
Obergänserndorf Schleinbach<br />
Ollersdorf<br />
Krems<br />
Haitzendorf Königsbrunn Stetteldorf/Wagram<br />
Raggendorf Matzen<br />
Rohrendorf<br />
Rückersdorf Wolkersdorf<br />
Auersthal-Bockfließ-<br />
Stein/Donau<br />
Grafenwörth<br />
Leobendorf<br />
Ulrichskirchen<br />
Prottes<br />
Absdorf Hausleiten<br />
Gr.Schweinbarth<br />
Stockerau Spillern<br />
Groß-Ebersdorf Pillichsdorf<br />
(Auersthal) Reyersdorf Angern<br />
Furth<br />
Enzersfeld<br />
Korneuburg<br />
Mautern<br />
Großengersdorf Bockfließ<br />
Traismauer<br />
Laaer Str. Hauptplatz<br />
Weikendorf<br />
Gänserndorf<br />
Paudorf<br />
Tulln<br />
Zeiselmauer<br />
Hagenbrunn<br />
Kritzendorf<br />
Oberwölbling<br />
Zwentendorf<br />
Bisamberg<br />
Klosterneuburg<br />
Straßhof<br />
Inzersdorf/Tr.<br />
Sitzenberg<br />
St. Andrä-<br />
Heiligeneich<br />
Wördern<br />
Deutsch Wagram<br />
Statzendorf Herzogenburg-Kapelln<br />
Kierling Langenzersdorf<br />
Langenrohr<br />
Obersiebenbrunn Marchegg<br />
(Herzogenburg)<br />
Weißenkirchen/ Michelhausen<br />
Weidling<br />
Katzelsdorf<br />
Karlstetten<br />
Persching<br />
Markgrafneusiedl Untersiebenbrunn<br />
Kapelln<br />
Neidling<br />
Würmla<br />
Mauerbach<br />
Breitensee<br />
Sieghartskirchen<br />
Franziskanerg.<br />
Viehofen<br />
Murstetten<br />
Pottenbrunn<br />
Asperhofen<br />
Gablitz<br />
Leopoldsdorf i. M.<br />
Lassee<br />
Groß-Enzersdorf<br />
Haringsee<br />
Tullnerbach<br />
Region St. Pölten<br />
Neulengbach<br />
Purkersdorf<br />
Böheimkirchen<br />
Wagram<br />
Maria Anzbach<br />
Wienerwald<br />
Engelhartstetten<br />
Josefstraße<br />
(Pressbaum)<br />
Tausendblum<br />
Hainburg<br />
Ober-<br />
Eichgraben<br />
Region Schwechat<br />
Orth/Donau<br />
Grafendorf Pyhra<br />
Laab/Walde<br />
Eckartsau<br />
Wolfsthal<br />
Kasten<br />
Altlengbach Breitenfurt<br />
Perchtoldsdorf/Wiener Gasse<br />
St.Georgen/Steinfelde<br />
Flughafen<br />
Berg<br />
Neustift-Innermanzing<br />
Perchtoldsdorf/Mühlgasse<br />
Maria<br />
Fischamend<br />
Petronell<br />
Kaltenleutgeben Enzersdorf<br />
Leopoldsdorf<br />
Brunn a. G.<br />
Maria Lanzendorf<br />
Wilhelmsburg<br />
Sulz Gießhübl<br />
Enzersdorf a. d. Fischa<br />
Laaben-Maria Anzbach<br />
Biedermannsdorf<br />
Südstadt<br />
Himberg<br />
Höflein<br />
Prellenkirchen<br />
Michelbach (Laaben)<br />
Schwadorf<br />
Klausen-Leopoldsdorf<br />
Vösendorf Laxenburg<br />
Alland<br />
Bruck-Carnuntum<br />
(Bruck/Leitha)<br />
Gaaden b. Mödling<br />
Mödling<br />
Münchendorf<br />
Gramatneusiedl Trautmannsdorf<br />
Traisen St.Veit<br />
•Guntramsdorf<br />
Kaumberg<br />
Pfaffstätten Gumpoldskirchen<br />
Götzendorf/Leitha<br />
Hainfeld<br />
Altenmarkt/Triesting<br />
Traiskirchen<br />
Reisenberg<br />
Region Baden<br />
Trumau<br />
Tribuswinkel<br />
Mitterndorf/Fischa<br />
Traisen-Gölsental<br />
Oberwaltersdorf<br />
Sooss<br />
(Lilienfeld)<br />
Tattendorf<br />
Mannersdorf/Leithagebirge<br />
Oberes Triestingtal<br />
Bad Vöslau<br />
Ebreichsdorf Unterwaltersdorf<br />
Klein Zell<br />
(Weißenbach/Triesting)<br />
Gainfarn<br />
Weigelsdorf Deutsch-Brodersdorf Hof/<br />
Kottingbrunn<br />
Leithagebirge<br />
Günselsdorf<br />
Wampersdorf<br />
Grillenberg<br />
Leobersdorf<br />
Enzesfeld<br />
Pottendorf<br />
Rohr i.G.<br />
Sollenau Ebenfurth<br />
Hohenberg<br />
Piestingtal<br />
Theresienfeld<br />
Miesenbach<br />
Wöllersdorf<br />
Eggendorf<br />
Dreistetten<br />
Zehnergürtel<br />
Bad Fischau- Dr.Eckener- Lichtenwörth<br />
St.Aegyd/Neuwald<br />
Stollhof Brunn Gasse<br />
Stadionstraße<br />
Schwarzau im Gebirge<br />
Winzendorf Wiener Neustadt<br />
Weikersdorf/Steinfeld<br />
Grünbach/Schneeberg<br />
Würflach St.Egyden Katzelsdorf<br />
Puchberg/Schneeberg<br />
Lanzenkirchen<br />
Neunkirchen-Schwarzatal Mitte<br />
(Neunkirchen)<br />
Walpersbach<br />
Schwarzau<br />
Ternitz<br />
Bad Erlach<br />
Pottschach<br />
Pittental/Bucklige Welt<br />
Wimpassing<br />
Reichenau<br />
(Pitten)<br />
St.Valentin-Grafenbach<br />
Payerbach-Reichenau-Schwarzau<br />
Hochwolkersdorf<br />
(Payerbach)<br />
Scheiblingkirchen<br />
Gloggnitz<br />
Schottwien<br />
Bromberg Schwarzenbach<br />
Semmering<br />
Warth<br />
Wiesmath-Hochwolkersdorf<br />
Kirchberg<br />
Grimmenstein (Wiesmath)<br />
Feistritz<br />
Edlitz<br />
Trattenbach<br />
Lichtenegg<br />
Hollenthon<br />
St.Corona/Wechsel<br />
Kamp<br />
Schmida<br />
Mönichkirchen<br />
Göllersbach<br />
NÖ-Süd Alpin<br />
(Aspang)<br />
Wien<br />
Krumbach<br />
Kirchschlag<br />
Zöbern<br />
i.d.B.W.<br />
Bad Schönau<br />
Hochneukirchen<br />
<strong>Raiffeisen</strong> Banks<br />
<strong>Raiffeisen</strong> Management Service<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
• • • •<br />
• • •<br />
• •<br />
• • •<br />
•<br />
•<br />
•• • • • • • • • •<br />
•<br />
•<br />
• •<br />
•<br />
• •<br />
•<br />
•<br />
• • •<br />
• •<br />
• •<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• • • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• • • • •<br />
• •<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
• •<br />
•<br />
•<br />
•<br />
• •<br />
• •<br />
•<br />
• • • •<br />
•<br />
•<br />
•<br />
•<br />
• • • •<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
• • • • • •<br />
•<br />
•<br />
•<br />
•<br />
• • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
• •<br />
•<br />
• • • •<br />
• •<br />
• • •<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
• •<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
• • •<br />
• • •<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• • •<br />
•<br />
• • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•• •<br />
•<br />
• • • •<br />
•<br />
•<br />
••<br />
•<br />
• • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
• • •<br />
•<br />
• • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
• • •<br />
• •<br />
•<br />
• • • • •<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
• • • •<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
• • • •<br />
•<br />
• •<br />
• •<br />
•<br />
•<br />
• •<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
Scheibbs<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• • • •<br />
•<br />
• • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• • • • •<br />
•<br />
•<br />
• •<br />
• •<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
• • • •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• •<br />
•<br />
•<br />
•<br />
•<br />
•<br />
•<br />
• • •<br />
•<br />
•<br />
Ysper<br />
Erlauf<br />
Thaya<br />
Melk<br />
Thaya<br />
Pielach<br />
Krems<br />
Traisen<br />
Pulkau<br />
Perschling<br />
Donau<br />
Gölsen<br />
Tu ln<br />
Schwarza<br />
Schwechat<br />
Triesting<br />
Pi ten<br />
Piesting<br />
•<br />
•<br />
•<br />
•<br />
•<br />
Zaya<br />
Fischa<br />
Leitha<br />
Rusbach<br />
RLB NÖ-Wien is <strong>the</strong> central institution of Raiff eisen-<br />
Bankengruppe NÖ-Wien. It supports <strong>the</strong> 72 independent<br />
<strong>Raiffeisen</strong> Banks in Lower Austria, providing <strong>the</strong>m with a<br />
broad range of products, services and advice. The range<br />
of products and services is being continually updated and<br />
improved on <strong>the</strong> basis of <strong>the</strong> mid-term goals of <strong>Raiffeisen</strong>-<br />
Bankengruppe NÖ-Wien.<br />
The <strong>Raiffeisen</strong> Banks in Lower Austria are <strong>the</strong> region’s <strong>for</strong>emost<br />
local providers of financial services with a market<br />
share of 42 percent and 545 branches. The Lower Austrian<br />
<strong>Raiffeisen</strong> Banks have approximately 3,700 employees and<br />
approximately 944,000 customers with an increase of 11,600<br />
in <strong>the</strong> customer base during 2011.<br />
The Lower Austrian <strong>Raiffeisen</strong> Banks’ numbers at December 31, 2011<br />
December 31, 2011 +/(–) Change December 31, 2010<br />
€m vs 2010, %) €m<br />
Assets 19,519 2.38) 19,066<br />
Primary deposit balances 15,400 2.35) 15,047<br />
Loan portfolio 9,472 6.08) 8,928<br />
Savings deposit balances 11,410 2.20) 11,165<br />
Operating profit 172 13.74) 151<br />
Operating profit in percent of assets 0.904 0.09) 0.814<br />
Profit from ordinary activities 87 (10.02) 97<br />
Profit from ordinary activities in percent of average assets 0.460 (0.06) 0.52<br />
Tier 1 capital minus 50 percent of deductible items 1,348 5.09) 1,282<br />
Tier 1 ratio, percent 12.44 1.95) 12.21<br />
Own funds 1,615 3.36) 1,562<br />
Own funds ratio, percent 14.91 0.27) 14.87<br />
Total own funds requirement 866 3.08) 840<br />
Own funds requirement <strong>for</strong> credit risk 793 3.38) 767<br />
Number of <strong>Raiffeisen</strong> Banks 72 (2) 74<br />
Number of branches 473 (1) 474<br />
Number of banking outlets and offices 545 (3) 548<br />
Employees 3,684 1.57) 3,627
The RLB NÖ-Wien Group’s IFRS Numbers<br />
Monetary values are in €m 2011 Change 2010<br />
2009<br />
Consolidated Income Statement<br />
Net interest income after impairment charge 149.5 (22.8%) 193.8 84.8<br />
Net fee and commission income 67.6 2.8% 65.7 54.4<br />
Net trading income (1.6) — 24.2 23.0<br />
Profit from investments in entities accounted <strong>for</strong><br />
using <strong>the</strong> equity method 120.6 (53.0%) 256.4 129.3<br />
General administrative expenses (187.1) 3.5% (180.7) ( 171.1)<br />
Profit <strong>for</strong> <strong>the</strong> year be<strong>for</strong>e tax 107.6 (66.0%) 316.3 175.0<br />
Consolidated net profit <strong>for</strong> <strong>the</strong> year 109.7 (64.5%) 308.6 170.9<br />
Consolidated Balance Sheet<br />
Loans and advances to o<strong>the</strong>r banks 10,915 (10.5%) 12,189 12,758<br />
Loans and advances to customers 10,094 4.3% 9,680 8,696<br />
Deposits from o<strong>the</strong>r banks 14,429 (9.2%) 15,899 15,883<br />
Deposits from customers 7,294 3.2% 7,071 6,870<br />
Equity (incl. profit) 2,272 (4.7%) 2,383 2,040<br />
Consolidated assets 32,103 (1.8%) 32,683 31,699<br />
Regulatory in<strong>for</strong>mation 1<br />
Risk-weighted basis of assessment 13,547 4.8% 12,930 12,567<br />
Total own funds 2,033 11.3% 1,826 1,661<br />
Own funds requirement 1,155 4.8% 1,102 1,063<br />
Surplus own funds ratio 76.1% 10.3 ppt 65.8% 56.2 %<br />
Tier 1 ratio (credit risk) 10.1% 0.4 ppt 9.7% 9.1%<br />
Total Tier 1 ratio 9.4% 0.3 ppt 9.1% 8.6%<br />
Total own funds ratio 14.1% 0.8 ppt 13.3% 12.5%<br />
Per<strong>for</strong>mance<br />
Return on equity be<strong>for</strong>e tax 4.6% (9.7 ppt) 14.3% 8.7%<br />
Consolidated return on equity 4.7% (9.3 ppt) 14.0% 8.5%<br />
Consolidated cost:income ratio 52.5% 17.9 ppt 34.6% 44.1%<br />
Earnings per share, € 49.35 (65.3%) 142.06 77.90<br />
Return on assets after tax 0.34% (0.62 ppt) 0.96% 0.58 %<br />
Risk:earnings ratio 27.6% 14.3 ppt 13.3% 43.8 %<br />
Additional in<strong>for</strong>mation<br />
Work<strong>for</strong>ce on balance sheet date 1,354 1.7% 1,332 1,256<br />
Branches and offices 66 (1) 67 70<br />
1<br />
The RLB NÖ-Wien Group is part of <strong>the</strong> <strong>Raiffeisen</strong>-Holding NÖ-Wien Group. Austria’s Bankwesengesetz (BWG: banking act) does not govern <strong>the</strong> regulatory own<br />
funds of subsidiaries that make up a subgroup. The presentation of this regulatory in<strong>for</strong>mation in accordance with BWG on <strong>the</strong> basis of partial consolidation within<br />
<strong>the</strong> credit institution group (Kreditinstitutsgruppe) is <strong>the</strong>re<strong>for</strong>e provided <strong>for</strong> in<strong>for</strong>mational purposes only.
Corporate Customers:<br />
For six years, RLB NÖ-Wien has applied a successful model<br />
in providing its corporate customers with comprehensive<br />
advisory services called Mehr[Wert]Beratung or ‘Value Added<br />
Consulting’. This model successfully contributes to <strong>the</strong> strategic<br />
development of a large number of corporate clients in<br />
2011. The business community values our costumer advisors.<br />
This shows our stable demand <strong>for</strong> credit from RLB NÖ-Wien.<br />
As a result, RLB NÖ-Wien’s corporate loan portfolio grew by<br />
approximately 3 percent in 2011.<br />
Since 2000 RLB NÖ-Wien has been working consistently<br />
to support <strong>the</strong> development of renewable energy<br />
into a strategic business unit in <strong>the</strong> corporate client<br />
segment. RLB NÖ-Wien has financed a host of wind<br />
power and photovoltaic projects in both <strong>the</strong> Centrope<br />
region and Germany.<br />
Financial Markets:<br />
Customer confidence is maintained by RLB NÖ-Wien’s careful<br />
market research, focused on a key number of products,<br />
markets and customer and demand orientated sales activities.<br />
RLB NÖ-Wien sold approximately €1 billion of its own<br />
securities during 2011. The total of outstanding RLB NÖ-Wien<br />
bonds issued increased by 5.25 percent or €243 million to<br />
€4.9 billion. At <strong>the</strong> same time, savings deposit balances grew<br />
well above <strong>the</strong> market average, increasing by 13.5 percent or<br />
€306 million to €2.6 billion.<br />
Recently, RLB NÖ-Wien’s strength was reaffirmed by Moody’s,<br />
which confirmed its top A1 rating (long-term rating: A1; shortterm<br />
rating: P-1; financial strength rating: C-). This is <strong>the</strong> very<br />
best rating that any Austrian bank has currently, creating a<br />
solid basis <strong>for</strong> continued cooperation with RLB NÖ-Wien’s<br />
partner banks and correspondent banks in o<strong>the</strong>r countries.<br />
Risk Management and Organization:<br />
As a service provider, RLB NÖ-Wien strives to offer its customers<br />
<strong>the</strong> best possible products, services and advice. To achieve<br />
this, its risk management relies on active, stable and seamless<br />
processes. Thanks to our business model as a ‘universal<br />
bank’ with a high level of commitment to <strong>the</strong> customer, RLB<br />
NÖ-Wien is well prepared to meet <strong>the</strong> challenges of <strong>the</strong> future<br />
and <strong>the</strong> regulations that will be introduced by Basel III.<br />
The European Banking Association (EBA) will require systemic<br />
banks to have a minimum 9 percent core Tier 1 capital<br />
ratio by <strong>the</strong> middle of 2012. Although it is not an EBA-requirement,<br />
RLB NÖ-Wien already had a Tier 1 ratio of 9.4 percent<br />
at <strong>the</strong> end of 2011.
Structure<br />
RAIFFEISEN BANKS<br />
IN LOWER AUSTRIA<br />
Vorarlberg<br />
Tirol<br />
Styria<br />
Carinthia<br />
Salzburg Province<br />
Burgenland<br />
Upper Austria<br />
RAIFFEISEN BANKS<br />
REGIONAL RAIFFEISEN<br />
BANKS<br />
raiffeisen-holding<br />
Nö-wien<br />
raiffeisenlandesbank<br />
NÖ-wien<br />
RZB<br />
<strong>Raiffeisen</strong> Zentralbank<br />
RBI<br />
<strong>Raiffeisen</strong> Bank International<br />
EQUITY INVESTMENTS IN<br />
THE FOLLOWING SECTORS<br />
AND INDUSTRIES:<br />
CoMPrehensive Financial<br />
Services<br />
Manufacturing<br />
Renewable Energy<br />
The Media<br />
Services<br />
Real Estate<br />
EQUITY INVESTMENTS<br />
in banks and<br />
companies in<br />
banking-related<br />
fields<br />
Österreichischer <strong>Raiffeisen</strong>verband<br />
ÖSTERREICHISCHER RAIFFEISENVERBAND IS BOTH THE AUSTRIAN RAIFFEISEN GROUP’S<br />
‘REVISIONSVERBAND’ (AUDITING ASSOCIATION) AND THE BODY THAT REPRESENTS ITS INTERESTS.<br />
RAIFFEISEN BANKING GROUP<br />
<strong>Raiffeisen</strong>kasse Banks and <strong>Raiffeisen</strong> Banks<br />
MERCHANDISE COOPERATIVES<br />
‘Lagerhaus’ Warehouses, RWA<br />
MARKETING COOPERATIVES<br />
Dairy Cooperatives, Winegrowers’ Cooperatives, etc.<br />
OTHER COOPERATIVES<br />
District Heating, Track Building, Grazing Cooperatives, etc.<br />
Österreichischer<br />
<strong>Raiffeisen</strong>verband<br />
THE RAIFFEISEN GROUP<br />
IN AUSTRIA<br />
4 million <strong>Raiffeisen</strong> customers<br />
2 million cooperative members<br />
57,000 employees<br />
1,600 autonomous cooperatives<br />
Sustainability:<br />
REGIONALIT Y<br />
SECURITY<br />
SUSTAINABILIT Y<br />
Business, social and environmental responsibility are core<br />
beliefs at <strong>Raiffeisen</strong>. Sustainability was already an integral part<br />
of Friedrich Wilhelm <strong>Raiffeisen</strong>’s thinking when he created <strong>the</strong><br />
organization. Today, this translates into a modern strategy of<br />
sustainability. In line with this mission, <strong>Raiffeisen</strong> goes fur<strong>the</strong>r,<br />
living a philosophy aimed at protecting and promoting <strong>the</strong> wellbeing<br />
of <strong>the</strong> individual and <strong>the</strong> region where he or she lives. Its<br />
central values are security, regionality and sustainability with<br />
a principle of local deposits to be used as loans granted to<br />
individuals and companies in <strong>the</strong> region.<br />
RLB NÖ-Wien also supports protecting <strong>the</strong> environment<br />
<strong>for</strong> future generations. As a consequence, it is a member<br />
of <strong>the</strong> <strong>Raiffeisen</strong> Climate Protection Initiative set up as a<br />
joint venture by <strong>the</strong> <strong>Raiffeisen</strong> organizations in Austria. <br />
RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG<br />
Friedrich-Wilhelm-<strong>Raiffeisen</strong>-Platz 1, A-1020 Vienna, Austria<br />
Phone: +43 51700; Fax: +43 51700-901; e-mail: info@raiffeisenbank.at<br />
Sort Code: 32000; S.W.I.F.T. Code: RLNW AT WW; Internet: http://www.raiffeisenbank.at<br />
As in May 2012. Typesetting and printing errors excepted.