BALANCE SHEET AS OF DECEMBER 31, 2004 - Raiffeisen

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BALANCE SHEET AS OF DECEMBER 31, 2004
ASSETS 2004 2003
1. Cash in hand and balances with central
and post office banks 36,869,500.90 48,492,528.86
2. Debt instruments issued by public bodies
and bills of exchange eligible
for refinancing with the central bank 175,449,971.49 56,950,168.13
a) Debt instruments issued by public bodies
and similar securities 175,449,971.49 56,950,168.13
b) Bills of exchange eligible for
refinancing with central banks 0.00 0.00
3. Loans and advances to banks 3,932,095,343.81 3,909,695,326.16
a) Repayable on demand 624,827,552.62 567,387,758.98
b) Other loans and advances 3,307,267,791.19 3,342,307,567.18
4. Loans and advances to customers 4,794,430,261.21 4,519,035,595.03
5. Debt securities and other
fixed-income securities 1,761,693,085.97 1,301,671,502.38
a) From public sector issuers 69,456,444.14 40,894,500.00
b) From other issuers 1,692,236,641.83 1,260,777,002.38
Amount in own debt securities 101,486,900.12 60,968,133.10
6. Equities and other
variable-yield securities 301,454,895.62 165,967,451.99
7. Participations 77,155,330.71 72,045,794.49
Amount in banks 57,099,571.56 52,763,806.34
8. Shares in group enterprises 611,874,106.57 504,807,759.99
Amount in banks 0.00 0.00
9. Intangible fixed assets 15,389,800.75 17,442,163.58
10. Tangible fixed assets 10,455,205.04 11,248,209.48
Amount in:
Land and buildings used by the bank
in its own business activities 1,297,825.32 1,522,424.51
11. Own shares and stakes in enterprises
where the bank has a controlling or
majority interest 276,603.00 274,690.00
Amount in: Nominal value 18,900.00 18,800.00
12. Other assets 499,640,168.33 536,270,130.49
13. Subscribed and called-up capital not yet paid 0.00 0.00
14. Prepayments, accrued and deferred income 7,879,739.78 21,356,726.22
TOTAL ASSETS 12,224,664,013.18 11,165,258,046.80
OFF-BALANCE-SHEET ITEMS
1. Foreign assets 2,024,649,734.06 1,529,814,903.74

LIABILITIES 2004 2003
1. Amounts owed to banks 4,822,395,015.98 4,231,750,682.39
a)Repayable on demand 2,387,818,563.02 1,923,159,092.08
b) With agreed maturities or notice periods 2,434,576,452.96 2,308,591,590.31
2. Amounts owed to customers 4,025,595,292.53 3,818,822,953.07
a)Savings deposits, including: 1,248,434,453.76 1,222,287,066.67
aa) Repayable on demand 0.00 0.00
bb) With agreed maturities or notice periods 1,248,434,453.76 1,222,287,066.67
b)Other liabilities, including: 2,777,160,838.77 2,596,535,886.40
aa) Repayable on demand 1,716,268,880.95 1,769,630,933.43
bb) With agreed maturities or notice periods 1,060,891,957.82 826,904,952.97
3. Debt evidenced by certificates 1,834,535,315.90 1,687,430,048.68
a) Debt securities issued 1,228,860,848.72 1,176,607,525.96
b) Other securitized liabilities 605,674,467.18 510,822,522.72
4. Other liabilities 494,539,805.58 528,284,046.71
5. Prepayments, accrued and deferred income 38,151,186.56 28,564,258.20
6. Provisions 62,340,492.16 48,910,973.28
a) Provisions for severance payments 14,228,928.39 10,665,390.74
b) Provisions for pensions 19,401,597.61 13,756,409.76
c) Provisions for tax 0.00 165,000.00
d) Other 28,709,966.16 24,324,172.78
6.A General provisions for bad debt 0.00 0.00
7, Subordinated liabilities 133,869,000.00 67,869,000.00
8. Supplementary capital 248,951,795.48 206,056,282.56
9. Subscribed capital 199,197,300.00 199,197,300.00
10. Capital reserves 181,700,795.68 181,700,795.68
a) Appropriated 181,700,795.68 181,700,795.68
b) Unappropriated 0.00 0.00
11. Revenue reserves 26,477,265.95 15,090,125.51
a) Statutory reserves 19,919,730.00 14,121,198.68
b) Reserves required under the articles of association 0.00 0.00
c) Other reserves 6,557,535.95 968,926.83
Amount in: Appropriated reserves under § 225 Par. 5
Austrian Commercial Code 276,603.00 274,690.00
12. Liability reserves under § 23 Par. 6 Austrian Banking Act 140,447,414.56 134,677,922.67
13. Profit and loss account 0.00 0.00
14. Untaxed reserves 16,463,332.80 16,903,658.05
a)Valuation reserve arising from special depreciation allowances 16,463,332.80 16,463,668.01
b)Other untaxed reserves 0.00 439,990.04
Amount in: aa) Unallocated 0.00 0.00
bb) Investment allowances under § 10 Income Tax Act 1988 0.00 439,990.04
cc) Unallocated 0.00 0.00
dd) Transfer reserve under § 12 Income Tax Act 1988 0.00 0.00
TOTAL LIABILITIES 12,224,664,013.18 11,165,258,046.80
(Off-balance-sheet items – see next page)
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BALANCE SHEET AS OF DECEMBER 31, 2004
LIABILITIES 2004 2003
OFF-BALANCE-SHEET ITEMS
1. Contingent liabilities 471,502,290.95 352,836,550.37
Amount in:
a)Acceptances and endorsements arising
from discounted bills of exchange 0.00 0.00
b)Guarantees and other collateral security 471,391,025.95 352,657,635.37
2. Credit commitments 1,725,143,535.11 1,246,901,653.62
Amount in: Liabilities from repo transactions 54,845,409.47 0.00
3. Liabilities from fiduciary activities 4,727,840.31 5,296,445.27
4. Eligible capital under § 23 Par. 14 713,224,161.48 673,277,344.47
Amount in: Capital under § 23 Par. 14 No. 7 19,690,100.83 20,679,611.50
5. Capital required under § 22 Par. 1 495,090,965.68 456,029,736.84
Amount in: Capital required under
§ 22 Par. 1 No. 1 and 4 475,400,864.85 432,589,282.49
6. Foreign liabilities 1,523,736,455.60 799,742,752.37
7. Hybrid capital under § 24 Par, 2 No. 5 and 6 0.00 0.00

PROFIT AND LOSS ACCOUNT 2004
2004 2003
1. + Interest receivable and similar income 364,020,878.96 372,096,504.62
Amount from: Fixed-income securities 72,831,279.24 51,237,729.88
2. – Interest payable and similar expenses 270,457,609.25 284,502,626.20
I. NET INTEREST INCOME 93,563,269.71 87,593,878.42
3. + Interest from securities and equity interests 34,970,915.90 25,971,676.88
a)Income from equities, other equity stakes
and variable-yield securities 11,180,337.85 6,927,668.01
b)Income from associated enterprises 2,003,818.05 1,396,864.07
c) Income from group enterprises 21,786,760.00 17,647,144.80
4. +Commissions earned 72,690,967.28 63,252,851.40
5. – Commissions expended 19,561,525.18 18,383,504.57
6. +/– Dealing income/expenses 10,513,072.01 7,253,067.14
7. +Other operating income 14,755,631.21 13,682,132.88
II. OPERATING INCOME 206,932,330.93 179,370,102.15
8. – General administrative expenses 127,723,706.27 114,801,535.25
a) Personnel costs 74,956,652.70 63,587,970.96
Amount in:
aa) Wages and salaries 47,914,633.36 45,828,137.55
bb) Statutory social security contributions,
pay-related levies and compulsory contributions 12,131,546.42 11,543,375.59
cc) Other employee benefits 1,218,129.31 1,050,687.90
dd) Pensions 3,749,465.30 3,635,672.13
ee) Allocations for pension provisions 5,645,187.85 1,466,978.07
ff) Expenses for severance payments and
contributions to employee pension funds 4,297,690.46 63,119.72
b) Other administrative expenses 52,767,053.57 51,213,564.29
9. – Depreciation and amortization in respect of
balance sheet items 9 and 10 5,623,553.07 5,465,861.99
10. – Other operating expenses 2,236,593.03 190,069.82
III. OPERATING EXPENSES 135,583,852.37 120,457,467.06
IV. OPERATING PROFIT 71,348,478.56 58,912,635.09
(carried forward to next page)
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PROFIT AND LOSS ACCOUNT 2004
2004 2003
(carried forward)
IV. OPERATING PROFIT 71,348,478.56 58,912,635.09
11./12.+/– Balance of closings/allocations
to provisions for bad debt, contingent liabilities
and commitments –33,240,602.31 –30,116,237.40
13./14.+/– Balance of writeup/writedown of securities
classified as fixed asset investments,
and shares in associated and group enterprises 426,149.43 1,453,959.81
V. PROFIT ON ORDINARY ACTIVITIES 38,534,025.68 30,250,357.50
15. + Extraordinary income 0.00 0.00
Amount in: Withdrawals from reserves
for bad/doubtful debt 0.00 0.00
16. – Extraordinary expenses 0.00 0.00
Amount in: Allocations from reserves
for bad/doubtful debt 0.00 0.00
17. +/– Extraordinary result
(subtotal items 15 and 16) 0.00 0.00
18. – Taxes on income –138,550.34 0.00
19. – Other taxes, not under item 18 206,268.94 7,283.82
VI. PROFIT AND LOSS AFTER EXTRAORDINARY
ITEMS AND TAX 38,466,307.08 30,243,073.68
20. +/– Changes in reserves –16,716,307.08 –8,078,073.68
Amount in:
Allocations to liability reserves 5,769,491.89 2,503,042.76
Withdrawals from liability reserves 0.00 0.00
VII. PROFIT / LOSS AFTER RESERVE MOVEMENTS 21,750,000.00 22,165,000.00
21. +/– Profit / loss carried forward 0.00 0.00
22. +/– Income transferred –21,750,000.00 –22,165,000.00
VIII. PROFIT / LOSS 0.00 0.00

NOTES ON THE ACCOUNTS*
A. ACCOUNTING POLICIES
The annual financial statements were drawn up in accordance with generally accepted accounting principles and with the
general requirements to present a true and fair view of the state of the company’s assets, finances and earnings.
The accounting, valuation and reporting of individual items were carried out in accordance with the general provisions of the
Austrian Commercial Code, the Austrian Companies Act and the applicable sections of the Austrian Banking Act in their
respective current versions.
B. REPORT OF EARNINGS
A taxable entity was formed according to the earnings transfer contract between RAIFFEISEN-HOLDING
NIEDERÖSTERREICH-WIEN reg.Gen.m.b.H. (hereafter R-Holding) and RAIFFEISENLANDESBANK NIEDERÖSTERREICH- WIEN AG
(hereafter RLB AG). As a result of this agreement, the total annual profits of RLB AG were paid to R-Holding. Therefore, the
annual balance shows neither a profit nor a loss.
C. ACCOUNTING CONVENTIONS AND VALUATION METHODS
APPLIED IN THE BALANCE SHEET AND PROFIT AND LOSS ACCOUNT
I. Assets and liabilities quoted in foreign currencies were entered as of the balance sheet date using ECB reference rates.
Foreign currency items where no ECB reference rate can be applied were quoted with market middle rates from reference
banks.
II. To the extent that interest rate swaps, options, foreign exchange futures and other derivative instruments are not used in
hedging transactions treated for the purpose of valuation as part of the underlying transactions, a portfolio value is applied,
that is, all similar financial instruments are grouped in portfolios. For each individual transaction in the portfolio, the current
market value is determined as of the balance sheet date. The resulting positive and negative market values are netted
out. If the overall market value of the portfolio is negative, a liability item in that amount is entered in the balance sheet.
Financial derivatives held as trading assets are assessed at market value.
The fair value to be included under § 237a of the Austrian Commercial Code is the amount at which financial instruments
can be bought or sold on fair terms as of the balance sheet date. If exchange prices were available, they were used for
the purpose of valuation. For financial instruments without an exchange price, fair values were calculated using internal
valuation methods with current market parameters, in particular the present value method and option pricing models.
III. Securities held as financial assets are valued according to the modified lower-of-cost-or-market value principle.
In accordance with § 2 Par. 3 of Trustee Securities Regulations, securities serving as cover for trustee accounts are shown
as part of fixed assets and valued strictly at the lower of cost or market.
In accordance with § 56 Par. 2 of the Austrian Banking Act, the premium on securities acquired above par and held as
financial assets is written down pro rata temporis.
* Disclosures subject to statutory reporting requirements
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Securities held as financial assets and acquired below par are written up in accordance with § 56 Par. 3 of the Austrian
Banking Act.
Unlisted securities held as current assets are valued strictly at the lower of cost or market value.
Listed securities treated as current assets are shown at market value.
IV. Individual value adjustments or provisions are made for identifiable risks with respect to borrowers.
V. The option of choosing the form of valuation provided for under § 57 Par. 1 of the Austrian Banking Act was not exercised.
VI. Equity interests are valued at acquisition cost unless persistent losses or a reduction in equity requires a writedown to fair
value as of the balance sheet date.
VII. Intangible fixed assets, land and buildings as well as fixtures, fittings and equipment are valued at acquisition or construction
cost less scheduled depreciation. Scheduled depreciation is applied on a straight-line basis. The rates of depreciation vary
between 2 percent and 33.3 percent for intangible assets, 2 percent and 4 percent for property, and 5 percent and
33.3 percent for movable assets. Capitalized goodwill is amortized on the basis of conservative estimates of a useful
economic life of 2 to 15 years. Extraordinary depreciation is applied in cases of expected long-term impairment. Minor assets
are written off completely in the year of acquisition.
VIII. Premiums or discounts on the bank’s own issues are written back over the term of the debt. Other issuing expenses are
written off immediately.
IX. The provision for pensions, severance payments, partial retirement and anniversary funds was calculated for 2004 using
the principles of the projected unit credit method under IAS 19 (revised 2002) with due consideration of the corridor
approach. According to the Austrian Chamber of Chartered Public Accountants, the application of this method is in line
with the regulations of the Austrian Commercial Code. RLB AG plans to prepare its annual accounts in accordance with
International Financial Reporting Standards (IFRS) starting in 2005. For the sake of simplicity and cost-cutting, therefore,
the valuation method for social capital was adjusted. The transition gave rise to a one-time difference of EUR 8.3 million,
which was recorded immediately as an expense in the 2004 accounts.
The biometric calculation bases used for all social capital provisions are the AVÖ 1999-P tables for pension insurance (Pagler
& Pagler) in the version for salaried employees. The provisions were calculated with due attention to the youngest legal
retirement age for men and women. For the partial retirement provision, the financing period selected was the time from
approval to the start of retirement.
For the actuarial calculation of pension obligations, an interest rate of 4.75 percent was assumed for active employees,
as was a pension-relevant salary raise of 4.5 percent for employees remunerated under a collective agreement and 3 percent
for employees not remunerated under a collective agreement. The parameters for retirees include an interest rate of 4.75 percent
and an expected pension increase of 2 percent. No employee turnover assumptions were taken into consideration.
In calculating the provisions for severance payments for employees hired before or during the year 2002, for partial
retirement and for anniversary funds, an interest rate of 4.75 percent was assumed, as was a salary raise of 4.5 percent

for employees remunerated under a collective agreement and 3 percent for employees not remunerated under a collective
agreement. Except in the case of the partial retirement provision, turnover rates commensurate to employment time were used.
Other provisions were entered using reasonable and prudent business accounting principles to cover all recognizable risks
as of the balance sheet date as well as liabilities which are uncertain in terms of type and amount.
X. Liabilities are shown at the higher of original book value or the amount repayable.
XI. Under the new Austrian reporting regulations introduced in 2004 in conjunction with § 43 (2) Annex 2, Part 2 of the Austrian
Banking Act, the name and content of profit and loss account item 8. a) ff) “Expenses for severance pay and contributions
to employee pension funds“ were changed (previously “Allocations for severance payment provisions“). A detailed
presentation can be found in the notes on the profit and loss account. The figure from the previous year was not adjusted.
D. NOTES ON BALANCE SHEET ITEMS
I. Analysis of maturities
1. Breakdown of residual maturities for loans and advances to and balances with banks and non-banks not repayable on
demand (under § 64 Par. 1 No. 4 of the Austrian Banking Act):
Banks Non-banks
EUR '000 2004 2003 2004 2003
a) Up to 90 days 1,843,992 1,483,454 1,545,416 1,814,128
b) 90 days to 1 year 927,664 1,358,730 504,467 392,604
c) 1 to 5 years 273,119 161,926 1,342,938 1,110,105
d) More than 5 years 262,493 338,198 1,235,139 1,006,069
2. Breakdown of residual maturities for amounts owed to banks and non-banks not repayable on demand (under § 64 Par. 1
No. 4 of the Austrian Banking Act):
Banks Non-banks
EUR '000 2004 2003 2004 2003
a) Up to 90 days 728,456 697,484 1,011,997 896,839
b) 90 days to 1 year 1,278,497 1,354,774 255,827 332,913
c) 1 to 5 years 161,543 70,707 611,888 495,396
d) More than 5 years 266,080 185,626 429,614 324,044
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3. Debt securities and other fixed-income securities maturing during the year following the balance sheet date and debt
securities issued under § 64 Par. 1 No. 7 of the Austrian Banking Act:
EUR '000 2004 2003
a) Receivables arising from debt securities and other
fixed-income securities 85,735 137,028
b) Liabilities arising from debt securities issued 216,637 220,797
II. Securities
1. Breakdown of listed securities under § 64 Par. 1 No. 10 of the Austrian Banking Act:
2. Financial investments under § 64 Par. 1 No. 11 of the Austrian Banking Act:
Listed Unlisted
EUR '000 2004 2003 2004 2003
a) Debt securities and
other fixed-income securities 1,761,693 1,209,857 0 91,814
Equities and other
variable-yield securities 126,306 30,040 0 51,385
b) Participations 4,631 0 0 0
c) Shares in group enterprises 0 0 0 0
Breakdown of listed securities treated as fixed assets and indicated under “Debt and other fixed-income securities” as well
as “Equities and other variable-yield securities”:
EUR '000 2004 2003
a) Debt securities and other fixed-income securities 664,923 352,031
b) Equities and other variable-yield securities 0 30,000
Assets were classified by the responsible bodies as fixed or current on a case-by-case basis.

III. Fixed assets
1. The development of fixed assets and a breakdown of depreciation amounts for the year in question are set out in the statement
of fixed assets (Annex 1).
IV. Other assets
This item includes accrued interest receivable in the amount of EUR 410.729 million (2003: EUR 482.125 million) which
does not become due until after the balance sheet date.
V. Equity capital and similar liabilities
1. Disclosure under § 23 Par. 15 in conjunction with § 64 Par. 1 No. 6 of the Austrian Banking Act:
EUR '000 2004 2003
a) Supplementary capital 248,952 206,056
Amount bank-owned 9,013 2,351
b) Subordinated liabilities 133,869 67,869
Amount bank-owned 14 72
Supplementary capital is defined pursuant to § 23 Par. 7 of the Austrian Banking Act. Subordinated liabilities are defined
pursuant to § 23 Par. 8 of the Austrian Banking Act.
2. Disclosure under § 64 Par. 1 No. 5 and 6 of the Austrian Banking Act:
2.1.Subordinated liabilities
The subordinated capital indicated below was added during the reporting period and exceeds 10 percent of total subordinated
capital at the end of the previous business year:
Subordinated capital is defined pursuant to § 23 Par. 8 of the Austrian Banking Act.
EUR ‘000 Amount Interest rate Due date Special call privilege
a) Subordinated callable 5.05 percent
Raiffeisen fixed interest bond Issuer’s
2004–2016/17 private placement 5,000 5.05% Aug. 18, 2016 call privilege
b) Subordinated 4.5 percent–6 percent
Raiffeisen step-up bond Issuer’s
2004–2019/21 12,000 *) Sept. 9, 2019 call privilege
c) Subordinated 5.15 percent Raiffeisen
fixed-interest bond 2004–2019/23 Issuer’s
Private placement 4,000 5.05% Sept. 23, 2019 call privilege
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d) Subordinated Raiffeisen
money market floater 2004–2012/25 15,000 **) Sept. 27, 2012 None
e) Subordinated 4.80 percent–5.00 percent
callable Raiffeisen step-up bond Issuer’s
2005-2025/1 Private placement 30,000 ***) Jan. 7, 2025 call privilege
*) First period in term (Sept. 9. 2004–Sept. 8, 2009): 4.5 percent; second period in term (Sept. 9. 2009–Sept. 8, 2019): 6 percent
**) The interest rate is set at 0.5 percent above the 3-month EURIBOR on a quarterly basis. The rate is determined
two banking days before the beginning of each interest period. Interest is calculated in quarterly interest periods starting on September 27, 2004.
***) First period in term (Jan. 7. 2005 – January 6, 2015): 4.8 percent; second period in term (Jan. 7, 2015 – Jan. 5, 2025): 5 percent
The bonds were issued as tap issues.
2.2.Supplementary capital
The supplementary capital indicated below was added during the reporting period and, in conjunction with the subordinated
capital listed under No. 2.1, exceeds 10 percent of the total subordinated capital at the end of the previous business year:
EUR ‘000 Amount Interest rate Due date Special call privilege
a) Raiffeisen 4.55 percent
supplementary capital bond
2004–2014/7 34,488 4.55% April 8, 2014 None
b) Raiffeisen supplementary capital
floater 2004–2012/12 5,000 *) May 22, 2012 None
c) Raiffeisen supplementary capital
EURIBOR floater 2004–2019/28
Private placement 28,000 **) Dec. 31, 2019 None
*) The interest rate for the first interest period (May 25, 2004 – Nov. 21, 2004) is 3.8 percent. The interest rate for all further periods is set on a semi-annual basis as follows:
The rate is equal to the 6-month EURIBOR, with the minimum rate being 3.8 percent and the maximum 5.875 percent. This rate is determined
two banking days before the beginning of each interest period. Interest is calculated starting on May 25, 2004 in semi-annual interest periods.
**) The interest rate is set at 33 basis points above the 3-month EURIBOR on a quarterly basis. This rate is determined two banking days before the beginning
of each interest period. Interest is calculated starting on November 16, 2004 in quarterly interest periods.
Subordinated capital is defined pursuant to § 23 Par. 7 of the Austrian Banking Act.
These bonds were issued as tap issues.

VI. Other liabilities
This item includes accrued interest payable in the amount of EUR 389.470 million (2003: EUR 454.111 million) which
does not become due until after the balance sheet date. The item also includes a liability in the amount of
EUR 21.750 million (2003: EUR 22.165 million) from the earnings transfer contract.
VII. Untaxed reserves
1. Valuation reserve arising from special depreciation allowances:
Changes in valuation reserves are reported in Annex 2.
VIII. Supplementary information
1. The assets include EUR 2,221.986 million (2003: 1,844.723 million) in foreign currencies, and liabilities include EUR
673.498 million (2003: 448.574 million) in foreign currencies.
2. Securities trading book
RLB maintains a securities trading book pursuant to § 2 No. 35 of the Austrian Banking Act.
The trading book positions consist of securities and other financial instruments. Standard instruments in inter-bank transactions
are not included.
The nominal value of fixed-income securities in the trading book as of the balance sheet date was EUR 161.603 million
(2003: EUR 48.928 million).
The portfolio also contains 73,792 shares (2003: 80,251) from various issuers with a value of EUR 974 million
(2003: EUR 963 million).
In addition, the portfolio contains 163,413 investment certificates from various funds (2003: 14,965) with a market value
of EUR 72.712 million (2003: EUR 1.446 million).
The other financial transactions in the trading book are reported below in accordance with § 237a of the Austrian
Commercial Code in conjunction with § 64 Par. 1 No. 3 of the Austrian Banking Act.
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3. Disclosure regarding financial instruments under § 237a of the Austrian Commercial Code in conjunction with § 64 Par.
1 No. 3 of the Austrian Banking Act:
3.1. Type and extent of derivative financial instruments:
The nominal values of all forward transactions not yet concluded as of the balance sheet date as well as the accompanying
fair values are indicated in the table below:
2004 NOMINAL AMOUNTS MARKET VALUES
Banking Trading
EUR '000
Total of all
book book Total positive negative
open forward transactions 14,373,806 29,112,005 43,485,811 472,065 –391,835
a) Interest rate contracts
(exchange contracts)
11,591,992 26,751,500 38,343,492 405,557 –337,648
Futures – call 0 0 0 0 0
Futures – put
(OTC products)
0 63,800 63,800 292 0
Interest swaps 10,895,774 26,581,700 37,477,474 401,813 –333,680
Forward rate agreements (FRAs) - call 150,782 0 150,782 175 0
Forward rate agreements (FRAs) - put 146,832 0 146,832 0 –146
Interest options – call contracts 190,912 28,000 218,912 3,277 0
Interest options – put contracts 207,692 78,000 285,692 0 –3,822
b) Foreign exchange contracts 2,750,680 2,358,505 5,109,185 65,972 –53,651
(OTC products)
Currency futures
Currency swaps and
281,205 0 281,205 8,533 –9,572
interest/currency swaps 2,414,243 144,713 2,558,956 34,087 –21,058
Currency options – call contracts 27,616 1,074,271 1,101,887 23,352 0
Currency options – put contracts 27,616 1,139,521 1,167,137 0 –23,021
c) Securities-related transactions 31,134 2,000 33,134 536 –536
(OTC products)
Equity / index options – call contracts 15,567 1,000 16,567 536 0
Equity / index options – put contracts 15,567 1,000 16,567 0 –536

2003 NOMINAL AMOUNTS MARKET VALUES
Banking Trading
EUR ‘000
Total of all
book book Total positive negative
open forward transactions 19,280,332 74,002,500 93,282,832 608,519 –582,037
a) Interest rate contracts
(exchange contracts)
17,098,964 64,495,294 81,594,258 237,000 –207,108
Futures – call 0 0 0 0 0
Futures – put
(OTC products)
0 10,600 10,600 7 0
Interest swaps 16,638,438 64,314,694 80,953,132 235,277 –205,073
Forward rate agreements (FRAs) - call 158,353 80,000 238,353 0 –115
Forward rate agreements (FRAs) - put 158,353 90,000 248,353 145 0
Interest options – call contracts 45,903 0 45,903 1,571 0
Interest options – put contracts 97,917 0 97,917 0 –1,920
b) Foreign exchange contracts 2,142,091 9,503,208 11,645,299 370,494 –373,927
(OTC products)
Currency futures
Currency swaps and
69,988 95,851 165,839 7,713 –7,408
interest/currency swaps 1,946,091 8,026,155 9,972,246 342,595 –347,586
Currency options – call contracts 63,006 730,112 793,118 20,186 0
Currency options – put contracts 63,006 651,090 714,096 0 –18,933
c) Securities-related transactions 39,277 3,998 43,275 1,025 –1,002
(OTC products)
Equity / index options – call contracts 19,883 1,999 21,882 1,025 0
Equity / index options – put contracts 19,394 1,999 21,393 0 –1,002
The nominal and market values are derived from the totals of all purchase and sale contracts (without netting out). The
market values are indicated here as “dirty prices“ (market value including interest accruals/deferrals).
All of the instruments indicated are traded both for the bank’s own account and for customers.
4. As of the balance sheet date, the item “Amounts owed to customers” included EUR 2,412,451.40 (2003: EUR
2,663,592.00) in trustee savings deposits.
59

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5. Assets pledged as collateral pursuant to § 64 Par. 1 No. 8 of the Austrian Banking Act
As of the balance sheet date, fixed-income securities with a nominal value of EUR 153.669 million (2003: EUR 130.840 million)
and loans and advances amounting to EUR 232.059 million (2003: EUR 160.514 million) were pledged as collateral for
the following transactions:
EUR ‘000 2004 2003
Loans and advances assigned in favor of the Oesterreichische Kontrollbank AG 96,277 7,974
Loans and advances assigned in favor of the European Investment Bank 82,902 96,584
Reserve stock for funded bonds issued 72,378 75,285
Bonds deposited at the OeKB for EIB loans 24,000 0
Bonds deposited at the OeKB as a clearing link for German Stock Exchange (Xetra trading) 23,000 23,000
Guarantee for derivatives trading at Deutsche Bank, Frankfurt (cash depot) 22,200 0
Bundesanleihe pledged in favor of R-Wohnbaubank AG 15,994 15,261
Guarantee for derivatives trading at Barclays Bank, London (cash depot) 13,450 14,930
“ARTIS” deposit at the Austrian National Bank (OeNB) 7,152 7,878
Guarantee for derivatives trading at Societé Générale, Paris (cash depot) 6,200 0
Reserve stock for savings deposits held in trustee accounts 6,145 7,599
Deposit arranged in favor of the Oesterreichische Kontrollbank AG 5,000 1,817
Guarantee for derivatives trading at J.P. Morgan Securities Ltd, London (cash depot) 3,940 9,000
Guarantee for derivatives trading at ABN Amro Bank, Amsterdam (cash depot) 3,610 0
Guarantee for derivatives trading at Dresdner Bank, Frankfurt (cash depot) 2,100 0
Initial margin for futures at J.P. Morgan Securities Ltd, London (cash depot) 1,380 854
Guarantee for derivatives trading at the Royal Bank of Scotland, London (cash depot) 0 14,480
Guarantee for derivatives trading at Westdeutsche Landesbank, Dusseldorf (cash depot) 0 9,932
Guarantee for derivatives trading at BNP Paribas S.A., Paris (cash depot) 0 4,620
Guarantee for derivatives trading at Credit Suisse First Boston, London (cash depot) 0 2,140
Liabilities from reinsurance cover to secure pension claims in the amount of EUR 76 million (2003: EUR 0 million) are
pledged.

E. NOTES ON THE PROFIT AND LOSS ACCOUNT
I. Expenses pursuant to § 64 Par. 1 No. 13 of the Austrian Banking Act for subordinated liabilities and supplementary capital
amounted to EUR 15.849 million (2003: EUR 15.216 million).
II. “Other operating income” and “Other operating expenses” in the profit and loss account include the following material
income and expenditure items in accordance with § 64 Par. 1 No. 12 of the Austrian Banking Act and § 237 No. 5 of the
Austrian Commercial Code:
III. Under the new Austrian reporting regulations introduced in 2004 in conjunction with § 43 (2) Annex 2, Part 2 of the Austrian
Banking Act, the name and content of profit and loss account item 8. a) ff) “Expenses for severance pay and contributions
to employee pension funds“ were changed (previously “Allocations for severance payment provisions“). In the annual
accounts for 2003 and previous years, this position was only referred to as “Allocations for severance payment provisions.”
In the 2004 accounts, this item is composed of the following:
F. SUPPLEMENTARY INFORMATION
I. The average number of employees was as follows:
Expenses Income
EUR ‘000 2004 2003 2004 2003
Raiffeisen group services 8,650 7,763
Reimbursed staff expenses 3,386 2,869
Book values of disposed tangible and fixed assets 110 124
Damage 680 23
Sales bonuses 900 0
EUR ‘000 2004 2003
Allocations for severance payment provisions *) 3,552 63
Expenses for severance payments 667 764
Contributions to employee pension funds 79 24
Total 4,298 851
*) EUR 2.5 million of this difference can be attributed to the transition from the financial mathematics approach to the actuarial calculation method under IAS 19.
2004 2003
Salaried 935.20 900.04
Non-salaried 0.00 0.00
61

62
II. Loans to members of the Management Board and Supervisory Board
As of December 31, 2004, outstanding loans to members of the Management Board totaled EUR 164 million
(2003: EUR 135 million). Loans and advances to members of the Supervisory Board totaled EUR 87 million
(2003: EUR 161 million).
There were no liabilities under guarantee for these persons. Amounts lent to the Supervisory Board include loans and
advances to employees delegated to the Supervisory Board by the Works Council.
The maturities and terms of these loans conform to normal banking practices. In the reporting period, members of the
Management Board repaid EUR 31 million (2003: EUR 29 million), while members of the Supervisory Board repaid EUR 75
million (2003: EUR 24 million).
III. Expenses for severance payments and pensions
Expenses for severance payments and pensions relate to the following profit and loss account items: Wages and salaries,
Pension expenses, Allocations to provisions for pensions and Expenses for severance payments and contributions to
employee pension funds, and any additional payment obligations to ÖPAG in addition to the one-off contribution to the
ÖPAG pension fund.
Expenses for severance payments and pensions for senior management amounted to EUR 6.631 million (2003: EUR
4.740 million), and for other employees EUR 6.879 million (2003: EUR 1.080 million).
Senior management is defined pursuant to § 80 Par. 1 of the Austrian Companies Act.
IV. Management Board and Supervisory Board emoluments
Emoluments paid to members of the Management Board amounted to EUR 1.597 million (2003: EUR 1.055 million) for
the year in question. A total of EUR 50 million (2003: EUR 50 million) was paid to members of the Supervisory Board.
Total remuneration to former executive officers (of the former RLB reg.Gen.m.b.H.) and their surviving heirs amounted to
EUR 790 million (2003: EUR 776 million).
V. Members of the Management and Supervisory Boards - see next page.

GOVERNING BODIES
MANAGEMENT BOARD
Chairman:
Peter PÜSPÖK
Deputy Chairman:
Robert GRUBER
Managing Directors:
Georg KRAFT-KINZ
Gerhard REHOR
SUPERVISORY BOARD
Chairman:
Christian KONRAD
Deputy Chairman:
Johann VIEGHOFER
Members:
Anton BODENSTEIN
Erwin CSAR
Leopold DANZER
Franz HUBINGER
Gerhard PREISS
Christian RESCH
Delegated by the Works Council:
Harald KERN
Anton HECHTL
Wolfgang EINSPIELER
Sibylla WACHSLER
State Commissioners:
Alfred LEJSEK
Silvia ZENDRON
63

64
ANNEX 1 TO THE NOTES:
STATEMENT OF FIXED ASSETS 2004
Acquisition / Additions Disposals
construction Post-hoc in in
costs change business business
Fixed asset items Jan. 1, 2004 in A/C costs year year
Securities
Assets 2 a Public debt securities
and similar securities 33,967,527.02 0.00 102,242,500.00 27,000,000.00
Assets 3 b Other loans and advances
to banks 6,500,000.00 0.00 25,000,000.00 0.00
Assets 4 Loans and advances to customers 7,519,359.46 0.00 12,922,949.10 0.00
Assets 5 Debt securities and
other fixed-income securities
a) From public-sector issuers 26,384,600.00 0.00 0.00 0.00
b) From other issuers 326,039,416.82 0.00 721,503,236.52 412,927,458.61
Assets 6 Equities and other variable-yield
securities 30,000,000.00 0.00 0.00 30,000,000.00
Securities subtotal 430,410,903.30 0.00 861,668,685.62 469,927,458.61
Participations
Assets 7 Participations 72,178,646.63 0.00 7,968,476.25 2,671,438.03
Amount in banks 52,896,595.20 0.00 4,780,765.00 423,664.78
Assets 8 Shares in group enterprises 505,102,088.92 0.00 107,654,846.58 0.00
Amount in banks 0.00 0.00 0.00 0.00
Assets 4 Undisclosed interests included
in loans and advances to customers 6,540,555.08 0.00 0.00 2,906,913.37
Assets 11 Own shares or stakes 274,690.00 0.00 1,913.00 0.00
Participations subtotal 584,095,980.63 0.00 115,625,235.83 5,578,351.40
Assets
Assets 9 Intangible fixed assets 35,635,956.22 –81,149.30 1,316,437.99 502,840.07
Assets 10 Tangible fixed assets 27,290,275.34 –849.00 1,771,638.49 1,094,715.63
Amount in land and buildings
used by the bank in its own
activities 2,039,020.77 0.00 19,810.51 53,218.14
Assets
subtotal 62,926,231.56 –81,998.30 3,088,076.48 1,597,555.70
Total 1,077,433,115.49 –81,998.30 980,381,997.93 477,103,365.71

Transfers (+/–) Acquisition / Depreciin
construction Cumulated Book value Book value ation in
business costs depreci- as of from business
year Dec. 31, 2004 Write-ups ation Dec. 31, 2004 2003 year
0.00 109,210,027.02 0.00 – 57,800.46 109,267,827.48 33,967,526.05 – 57,801.43
–6,500,000.00 25,000,000.00 0.00 0.00 25,000,000.00 6,500,000.00 0.00
0.00 20,442,308.56 0.00 393,543.73 20,048,764.83 7,519,359.46 393,543.73
0.00 26,384,600.00 0.00 283,442.11 26,101,157.89 26,036,000.00 – 65,157.89
6,500,000.00 641,115.194.73 0.00 2,292,966.57 638,822,228.16 325,995,159.40 2,249,726.57
0.00 0.00 0.00 0.00 0.00 30,000,000.00 0.00
0.00 822,152,130.31 0.00 2,912,151.95 819,239,978.36 430,018,044.91 2,520,310.98
588,500.00 78,064,184.85 0.00 908,854.14 77,155,330.71 72,045,794.49 776,002.00
0.00 57,253,695.42 0.00 154,123.86 57,099,571.56 52,763,806.34 21,335.00
–588,500.00 612,168,435.50 0.00 294,328.93 611,874,106.57 504,807,759.99 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 3,633,641.71 0.00 519,214.05 3,114,427.66 5,394,068.80 99,456.04
0.00 276,603.00 0.00 0.00 276,603.00 274,690.00 0.00
0.00 694,142,865.06 0.00 1,722,397.12 692,420,467.94 582,522,313.28 875,458.04
0.00 36,368,404.84 1,821.00 20,980,425.09 15,389,800.75 17,442,163.58 3,171,902.79
0.00 27,966,349.20 389.94 17,511,534.10 10,455,205.04 11,248,209.48 2,453,861.22
0.00 2,005,613.14 0.00 707,787.82 1,297,825.32 1,522,424.51 209,817.91
0.00 64,334,754.04 2,210.94 38,491,959.19 25,845,005.79 28,690,373.06 5,625,764.01
0.00 1,580,629,749.41 2,210.94 43,126,508.26 1,537,505,452.09 1,041,230,731.25 9,021,533.03
65

66
ANNEX 2 TO THE NOTES:
STATEMENT OF VALUED RESERVES 2004
Participations
under § 12 Income Tax Act 1988
Assets 7
Assets 8
As of: Changes due to Addition (+) Withdrawal (–) As of:
Jan. 1, 2004 restructuring Disposals (–) Dec. 31, 2004
(+/–) Transfers (+/–)
Participations 830,072.88 0.00 0.00 0.00 830,072.88
Amount in banks 827,482.07 0.00 0.00 0.00 827,482.07
Shares in group enterprises 15,496,054.63 0.00 0.00 0.00 15,496,054.63
Participations subtotal 16,326,127.51 0.00 0.00 0.00 16,326,127.51
Assets under § 8
Income Tax Act 1988
Assets 10
Tangible fixed assets
Amount in land and buildings
used by the bank in its own
104.68 0.00 0.00 –69.78 34.90
activities 0.00 0.00 0.00 0.00 0.00
Assets under § 12
Income Tax Act 1988
Assets 10
Assets
Tangible fixed assets
Amount in land and buildings
used by the bank in its own
137,435.82 0.00 0.00 –265.43 137,170.39
activities 0.00 0.00 0.00 0.00 0.00
subtotal 137,540.50 0.00 0.00 –335.21 137,205.29
Total 16,463,668.01 0.00 0.00 –335.21 16,463,332.80

CONFIRMATION OF THE MANAGEMENT BOARD
The Management Board approved this annual report during a board meeting on February 21, 2005.
THE MANAGEMENT BOARD
Chairman of the Management Board Deputy Chairman
Peter PÜSPÖK Robert GRUBER
Managing Director Managing Director
Georg KRAFT-KINZ Gerhard REHOR
AUDITOR’S CONFIRMATION
Since there are no objections to report, the auditors grant an unqualified audit certificate in accordance
with § 274 Par. 1 Austrian Commercial Code to the unabbreviated German version of RAIFFEISENLANDESBANK
NIEDERÖSTERREICH-WIEN AG’s annual report as of December 31, 2004.
After due examination, we certify that the accounting practices and annual financial statements comply with applicable legal regulations.
The financial statements present, in compliance with Austrian generally accepted accounting principles, a true and fair view of the
assets and liabilities, the financial position and the results of operations of the company. The operational review is consistent with
the annual financial statements.
Vienna, March 1, 2005
ÖSTERREICHISCHER RAIFFEISENVERBAND
Olaf FUCHS
Association auditor
EXTERNAL AUDITOR’S CERTIFICATE
We have audited the financial statements of Raiffeisenlandesbank Niederösterreich-Wien AG, Vienna, as of December 31, 2004,
as prepared by the Managing Directors of Raiffeisenlandesbank Niederösterreich-Wien AG, Vienna,
in accordance with Austrian Commercial Code in the valid edition.
Our audit was conducted in accordance with the legal regulations and professional duties.
At the end of our audit we can therefore issue on the financial statements as of December 31, 2004
of Raiffeisenlandesbank Niederösterreich-Wien AG, Vienna,
the unqualified audit opinion
according to § 274 par. 1 Austrian Commercial Code (HGB).
"Based on our audit performed in accordance with our professional duties, the accounting records and the financial statements for
the fiscal year 2004 comply with the legal regulations in Austria. The financial statements present, in compliance with Austrian
generally accepted accounting principles, a true and fair view of the assets and liabilities, the financial position and the results of
operations of the company. The management report corresponds with the financial statements."
Vienna, March 1, 2005
ERNST & YOUNG
WIRTSCHAFTSPRÜFUNGSGESELLSCHAFT MBH
Alfred BROGYÁNYI Elisabeth GLASER
Auditor Auditor
In accordance with § 277 Par. 2 of the Austrian Commercial Code, the financial statements will also be published in the Official
Gazette of the Wiener Zeitung and in the Raiffeisen Zeitung.
67

68
1,004 EMPLOYEES
A
B
Adler Harald, Adler Yvonne, Aescht Martin, Afsharpour Hengameh, Ahrer Franz, Aixberger Johann, Alleithner Margit, Amon Johann, Angster
Stefan, Aniwandter Erhard, Appel Andreas, Artacker Ewald, Aschauer Manfred, Assfall Monika, Atzmüller Erwin, Auer Otto, Ausobsky Wolfgang,
Bachinger Elisabeth, Bachofner Claudia, Bachtrod Erika, Bäk Edith, Bäumel Monika, Baier Eva Maria, Bammer Silvia, Baranowska Wiktoria,
Barosch Petra, Bartl Christian, Bauer Andreas, Bauer Franziska, Bauer Georg, Bauer Klaus, Bauer Reinhard, Bauer Sabine, Bauer Silke,
Baumgartner Klaudia, Bayer Claudia, Bayr Silvia, Beinhart Thomas, Beißer Karina, Beneder Caroline, Beran Ursula, Berariu Alice, Bergaus
Isabella, Berger Marianne, Berger Sabine, Berger Waltraud, Berghold Barbara, Bergmann Pia, Bergner Peter, Bermann Eva, Bernsteiner Andrea,
Bernsteiner Johannes, Berthold Markus, Bertolas Isabella, Bestmann Jörg, Bichl Martin, Biegel Dieter, Bilger Maria-Gabriele, Bilina Gabriele,
Binder Eva-Maria, Binder Helga, Binder Susanne, Binder-Gerö Josef, Bitterhof Günther, Bittlingmayer Sarita, Blazek Maria, Bleininger Günther,
Blümel Petra, Böck Manuela, Böhm Patrick, Böhm Wolfgang, Böhnisch Günther, Boes Alfred, Boigner Petra, Bonk Jochen, Brandenberger Josef,
Brandstetter Karin, Brandtner Cornelia, Brasnic Ana, Braun Christian, Braun Gunnar, Braunseis Thomas, Braunsteiner Gerda, Braunsteiner
Walter, Breiner Jeaninne, Brenner Hildegund, Bretschneider Walter, Breuer Mathias, Brodmann Beate, Bronneck Gitta, Bruckner Gerd,
Brunhuber Manuela, Bubik Sabrina, Buchberger-Vilanek Irene, Buchgraber Anita, Buchgraber Christoph, Buchinger Arnold, Buchleitner Josef,
Buchmayer-Exl Reinhard, Buchwieser Wolfgang, Buhl Josef, Bukowski Roland, Bukowski Sabina, C Cabak Sonja, Cafourek Alexander, Caltik
Gabriela, Candussi Karin, Casapicola Alexander, Cerkez Irma, Chory Bernd, Cimbal Sylvia, Conrad Renate, Csiky Andrea, Czvitkovich Gertrude,
D Dampier Daniela, Dancsecs Carina, Danzinger Matthias, Darrer Konrad, Denk Dieter, Deutenhauser Josef, Deutsch Karin, Devich Josef, Dierl
Maria, Dippolt Wilhelm, Direder Thomas, Dirnberger Martin, Dobrohruschka Rita, Donath Heinz, Doninger Theresia, Doppler Walter, Dorn Nicole,
Drechsler Monika, Dunkler Philipp, Dutka Martina, Dvorak Sonja, Dworak Gabriele, E Eberhardt Andreas, Eckhardt Sabine, Eckhardt-Kral Ingrid,
Eder Barbara, Eder Christian, Eder Johann, Eder Margarete, Eder Regina, Eder Roland, Ederer Maria, Ehrismann Uwe, Eichinger Robert,
Einspieler Wolfgang, Elsinger Heinz, Endres Sabine, Enengl Raimund, Enter Gabriele, Erber Josef, Ercher Sylvia, Erhart Thomas, Erker Renate,
Ertl Albert, Exner Alexander, F Farnik Richard, Feiertag Eva, Fekete Sabine, Feldhofer Susanne, Fesl Karin, Feucht Harald, Fiala Monika, Fischer
Beate, Fischer Monika, Fischer Robert, Flandorfer Walpurga, Flenner Silvia, Förster Peter, Forbach Sebastian, Forstner Roland, Frank Christine,
Frauwallner Gertrude, Frei Johannes, Fremuth Beate, Frey Christina, Freytag Nicole, Friedberger Barbara, Fritz Markus, Fröhlich Werner,
Fromwald Mario, Fuchs Edith, Fuchs Klaus, Fuchs Markus, Fuchs Martha, Fuchs Yvonne, Führer Horst, Fürnkranz Brigitte, Fürst Helmut,
Futschek Johannes, G Gaider Peter, Galbavy Bettina, Gallee Johann, Gansterer Margareta, Gartler Barbara, Gartner-Nasskau Renate, Gebhart
Karin, Geebauer Martina, Geißler Tim, Gepperth Johann, Gerber Jörg, Gerczei Manuel, Gerhard Peter, Geyer Edeltraud, Geyer Katharina, Gfrerer
Christiane, Giefing Gaston, Giefing Sabine, Glasl Harald, Gloger Karin, Gmeiner Barbara, Götsch Alfred, Götz-Bandin Tina, Götzinger Gertraude,
Gogl Andreas, Gollner Theresia, Grabatsch Christina, Grabmaier Gundula, Graf Claudia, Graf Michael, Graf Reinhold, Grafendorfer Alexandra,
Grasel Michael, Grass Silvia, Grasser Wolfgang, Green Sieglinde, Greimel Alfred, Gröchenig Sylvia, Groß Karl, Großebner Reinhold, Großkopf
Georg, Großmaier Erwin, Gruber Günter, Gruber Johann, Gruber Manfred, Gruber Robert, Grüneis Günther, Gschwindl Karl, Gube Sabine, Guca
Andrea, Gugl Andreas, Gusenbauer Birgit, H Haas Günther, Haberl Ute, Hahnl Irene, Haidn Herwig, Hain Günther, Haindl Herbert, Hainthaler
Andrea, Hainzl Friedrich, Hajek Alexandra, Hakel Stefan, Hammer Manfred, Hanifl Matthias, Hanisch Daniela, Hanni Christian, Hanreich Wilfried,
Hanzl Christian, Hanzl Karl, Harant Elisabeth, Hardegg Michaela, Harrauer Renate, Haschka Susanne, Haslauer Christa, Hauck Elisabeth,
Hauptmann Günter, Hauser Anita, Haydn Maria, Hazdra-Choura Ingrid, Hebein Natascha, Hechenblaikner Johanna, Hechtl Anton, Heidl Martina,
Heidrich Bernd, Heiter-Habermann Birgit, Hellein Michaela, Hellmich Patrick, Henein-Hanke Ingrid, Heneis Franz, Hergeth Stefan, Hermann
Andreas, Herrmann Verena, Hief Peter, Hillebrand Gabriele, Himmelmaier Barbara, Hinterberger Robert, Hinterbuchinger Michaela, Hirschvogl
Ursula, Hoche Angelika, Hochfelsner Julia, Hochmann Andrea, Hochrainer Werner, Hochsteger Thomas, Hocke Werner, Höfner Martina,
Höglinger Josef, Höller Inge, Hölzl Christian, Hörler Elisabeth, Hofbauer Claudia, Hofbauer Doris, Hofbauer Franz, Hofer Eva, Hofer Michael, Hofer
Ulrike, Hoffelner Gernot, Hoffmann Birgit, Hoffmann Martha, Hoffmann Sandra, Hofmann Anna, Hofmann Armin, Hofmann Birgit, Hofmann
Stefan, Hofmeister Alfred, Hofstetter Wolfgang, Hofstötter Gerda, Hohenegger Karin, Hollstein Astrid, Holoubek Antonio, Holubar Sonja, Holzer
Josef, Hons Rosita, Hopf Andreas, Hoppel Ingrid, Horak Gabriela, Horak Robert, Horer Manfred, Horvath Stefan, Horvath Susanne, Houszka
Karin, Hrobacz Claudia, Hub Maria, Huber Andrea, Huber Nicole, Huber Wolfgang, Hubinger Alexander, Hudak Karoline, Hübner Manüla, Hütter
Ferdinand, Hüttmair Erich, Huger Katharina, Hummer Stephanie, Hums Martina, Hurter Sabine, I Ibounik Michael, Ignatovski Petra, Immervoll
Johann, Indrak Markus, Indrak-Tomes Daniela, Infanger Karl, Ivanovsky-Schönborn Sonja, J Jaklitsch Helmut, Jakob Franz, Jakob Ingrid, Jaksch
Renate, Janecek Johann, Janko Martin, Jankovic Jutta, Janosik Ernst, Jauk Stefan, Jenkner Christian, Jeschko Johannes, Jordan Wolfgang,
Jovicic Mirjana, Jung Claudia, Jung Gabriele, Jungmayer Jürgen, K Kagerer Engelbert, Kaintz Dietmar, Kainz Gerlinde, Kaipel Kathrin, Kalenda
Hermann, Kalt Gabriele, Kaltenecker Martina, Kamellander Harald, Kamellander Petra, Kammergrabner Barbara, Kammerhofer-Gartner Irene,
Kantor Christoph, Kapfer Stefan, Karall Andrea, Kargl Josef, Karlik Peter, Karlik Thomas, Kattner Franz, Kauder Silvia, Kdolsky Michael, Kellner
Alfred, Kern Harald, Kern Katharina Andrea, Kerschbaumer Gertrude, Keusch Ursula, Kier Wolfgang, Kieslinger Claudia, Kindermann Sabine,
Kirchknopf Judith, Kirnbauer Andreas, Kitzinger Gerhard, Klaghofer René, Klamert Christian, Klauhs Doris, Klaus Gunter, Kleedorfer Herbert,
Klinger Marcus, Klug Erika, Klug Eva-Maria, Knechtl Karl, Knoglinger Joachim, Kölbl Stephan, Köllerer Andrea, Köllner Manfred, Körbl Andreas,
Koger Doris, Kogler Karina, Kohl Daniela, Kohl Manfred, Koisser Angelika, Kokanovic Danica, Kolar Gabriele, Kolar Uwe, Koller Brigitta, Koller
Michaela, Kollmann Daniela, Kopacek Brigitte, Kornfeind Roman, Kornfeld Maria, Korntheil Monika, Korunka Martina, Kraft Werner, Kraft-Kinz
Georg, Krajnik Gerda, Krammer Andrea, Krammer Christoph, Krammer Erwin, Krammer Günter, Krammer Ingrid, Kraus Hildegard, Krausz Karin,
Krc Anita, Krejci Wolfgang, Kremlicka Veronika, Kremser Ludwig, Kremser Ludwig, Krenn Lukas, Krenn Michael, Kreuzer Ida, Kreuzmann Karin,
Krischke Bernhard, Krischke Renate, Krispel Rudolf, Kriz Daniela, Krombholz Manuela, Kromes Johann, Kronberger Ingeborg, Kropik Karin,
Krouzek Pia, Krukenfellner Susanne, Kudjelka Harald, Kuhnert Wolfgang, Kukula Angela, Kulic Katarina, Kumhofer Sandra, Kunagl Andreas,
Kunagl-Fennesz Elfriede, Kurta Eveline, Kux Gabriel-Peter, L La Hok Tuen, Lackinger Wolfgang, Lackner Alexander, Lagsteiner Robert, Lang
Christian, Lang Christoph, Lang Elfriede, Langer Nikolaus, Lanner Gabriele, Laszmann Marion, Lauer Maria, Laya-Laufersweiler Sabrina, Lehner

Sandra, Lehner-Jettmar Peter, Lehofer Wolfgang, Leidenfrost-Nowak Kurt, Leidnix Erich, Leiner Daniela, Leist Harald, Leitner Johann, Lenarcic
Karin, Leodolter Rudolf, Leretz Julia, Liebhart Christoph, Lindbichler Marion, Lippitsch Johann, Litzka Martina, Lochner Franziska, Löscher Peter,
Loidolt Andreas, Lorenz Gerlinde, Losos Walter, Loydl Erich, Ludik Eduard, Luger Bettina, Lukas Stefan, Luntzer Christina, Lutz Thomas,
Lutzmayer Bernadette, M Machala Sonja, Machan Andrea, Mader Gregor, Maderic Sabine, Mahn Elfriede, Maimer Wilhelm, Maleschek
Alexandra, Malzer Erich, Mandl Barbara, Mang Monika, Mannsberger Beate, Mantler Josef, Manzenreiter Doris, Marhold Gabriela, Marihart
Doris, Markel Christina, Markl Kurt, Marschalek Friedrich, Martinovic Andrea, Marvan Daniela, Matuschek Martina, Mayerweck Brigitte, Mayr
Felix, Mayrl Martin, Meinecke Astrid, Meltsch Martina, Meraner Manfred, Mercsanits Sabine, Merta Heidemarie, Messetler Eva, Messner
Michaela, Metzl Tanja, Meyer Christian, Meyer Manfred, Mezera Stefan, Michlits Harald, Mickl Franz, Miletits Eszter, Milkovits Marion, Milla
Silvia, Milletich Barbara, Mitsch Edith, Mock Christian, Mock Erhard, Möller Britta, Mörzinger Sabine, Monnier Etienne, Mosgöller Karl, Motzko
Maria, Mühl Eva-Maria, Mühler Evelyn, Müller Elisabeth, Müller Gerald, Müller Heidrun, Müller Heinz, Müller Martina, Müller-Nowak Annemarie,
Müller-Tröster Thomas, Müllner Stefan, Müllner Thomas, Murnberger Maria, Muskovich Franz, Musso Maria, Mycinski Barbara, N Naame
Gabriel, Nagel Sabine, Nagl Gernot, Nagl Judith, Naglmeier Gerald, Nebily Barbara, Nebily Johann, Nedjelik Maximilian, Nemeth Christian,
Nemeth Gisela, Neubauer Karin, Neubauer Werner, Neuberger Brigitta, Neudorfer Christa, Neuhauser Herbert, Neuhauser Sabine, Newet
Susanna, Nicolussi-Moretto Guido, Niedereder Sonja, Niedermayr Jürgen, Nikitscher Nicole, Niziolek Birgit, Nöbauer Christoph, Novak Eva
Maria, Novak Peter, Novotny Gerhard, Nowak Cornelia, O Obenaus Nicole, Obenaus Sonja, Oberhuber Petra, Öllerer Werner, Öllerer Werner,
Öllermayr Petra, Österreicher Gerhard, Ohswald Christian, Ondra Stefan, O'Sullivan Gabriella, Ott Christina, P Paces Peter, Pachinger Bärbel,
Paclt Alexandra, Palasser Birgit, Pammer Doris, Pannosch Birgit, Papst-Tastel Regine, Partinger Franziska, Patzl Wolfram, Paul Gerhard, Paun
Sonja, Paur Gertrude, Pavlicek Martina, Pechgraber Bernhard, Pelech Wolfgang, Pelzmann Andrea, Penold Judith, Perchthaler Thomas, Perschl
Heidelinde, Pfeffer Eva, Pfeffer Heinz, Pfeiffer Karin, Pfingstgräf Peter, Pflug Irene, Philippitsch Udo, Pichler Franz, Pichler Maria, Pichler
Michaela, Pietschmann Dieter, Piewald Josef, Pilekic Marta, Piller Elfriede-Helene, Pillwein Christian, Pils Bernhard, Pipal Manuela, Pirkfellner
Harald, Plachwitz Heidemarie, Plessl Maria, Ploner Michael, Pöcher Martina, Pokan Silvia, Pokorny Claudia, Poliakoff Alexandre, Pollak Martina,
Ponstingl Erich, Popp Sandra, Posa-Markaryan Jbid, Pospischil Martin, Prader Olivia, Prechtl Marion, Preininger Claus Jürgen, Preiskorn Gabriele,
Prepost-Liebhard Sylvia, Prießnitz Eveline, Prinz Maria, Prirsch Ferdinand, Pröglhöf Peter, Prusnik-Dragosits Heinz-Peter, Pühringer Reinhard,
Püspök Peter, Punz Gerhard, Putz Alexander, R Rabl Petra, Raditsch Eva, Radl Herbert, Rak Bernhard, Rakic Slobodan, Rakowitz-Sagmeister
Andrea, Rammel Michaela, Ramsauer Peter, Ransmayr Gerhard, Rapatz Hans, Rappan Petra, Raschbauer Dagmar, Rathfux Andrea, Rausch
Christian, Rauter Nina, Redl Dorothea, Regner Natascha, Regner Sigrid, Rehor Gerhard, Reichardt-Dirnberger Birgit, Reichel Manuela,
Reismüller Manfred, Reitenbach Michael, Reiter Monika, Reithofer Monika, Remsberger Christian, Resch Anton, Retzer Gertraud, Richtar
Eduard, Riedel Gerhard, Riedl Claudia, Rieger Mathias, Rilke Reinhard, Ritter Markus, Rittler Helene, Rittsteuer Christiane, Robor Marcus Julian,
Roch Dieter, Rochacz Paulina, Rötzer Dieter, Rohacek Astrid, Roseano Nina, Rosenberger Andreas, Rosner Marietta, Rott Jakob, Rueff Michael,
Ruisz Adelheid, Rupp Pierre, Rupp Sabine, Ruprich-Eggner Dorothee, Rußegger Wolfgang, S Sacher Andreas, Sacher Markus, Sadleder Christa,
Salenka Wolfgang, Samer Gabriele, Sarklet Romana, Schäfer Erich, Schätz Iris, Schall Anita, Schallerböck Birgit, Schallmayer Karl, Schardinger
Sandra, Scharfetter Iris, Schatzinger Edith, Schauer Andrea, Schausberger Kurt, Schebach Margit, Schediwy Werner, Scheichenberger Martin,
Schein Christian, Schicker Verena, Schikowitz Markus, Schiller Alexander, Schiller Petra, Schiller Roland, Schindler Peter, Schiruk Elisabeth,
Schittenhelm Christoph, Schlosser Roman, Schmalzl Katrin, Schmid Manfred, Schmidl Sonja, Schmidt Friedrich, Schmiedel Rene, Schmutz Andrea,
Schnakl Johann, Schneider Alexander, Schnizer Elisabeth, Schnürer Ursula, Schober Sibylle, Schoder Harald, Schöfmann Peter, Schölm Sonja,
Schönberger Günter, Schöpfer Monika, Scholz Martin, Schottmann Regina, Schräfl Philipp, Schraik Wolfgang, Schramm Martina, Schreiner Hans,
Schrenk Erich, Schröfl Philipp, Schubert Franz, Schütt Marc, Schuh Andrea, Schuh Barbara, Schuh Margit, Schuster Barbara, Schuster Edeltraud,
Schwab-Bigler Sabine, Schwaiger Reinhard, Schwarz Peter, Schwarz Ulrike, Schwarzbauer Roman, Schweiger Daniel, Schweinhammer Dagmar,
Schweitzer Martina, Schwendenwein Markus, Schwischei Siegfried, Segall Elisabeth, Sehorz Martina, Seibold Ursula, Seidel Ingrid, Seidl Eva Maria,
Seidl Gerold, Seifner Sonja, Seiter Elisabeth, Serles Werner, Siebert Sabine, Sieder Gabriela, Siegel Petra, Siegel Sabine, Sieghardt-Schmidt Petra,
Siegl Barbara, Simanek Marie-Therese, Simlinger Monika, Sinkovits Albert, Skoumal Patricia, Slavik Petra, Smitha Herbert, Smutny Sonja, Sobotka
Karin, Sollinger Christian, Sona Stefanie, Sonai Sonja, Span Barbara, Spanring Martina, Spiegel Michaela, Sporrer Brigitte, Stadnikow Sascha,
Stangl Christian, Stangl Gertrude, Stark Christian, Starkl Wolfgang, Stary Gabriela, Steger Maria-Theresia, Steibl Günter, Steinbrugger Andreas,
Steiner Ingrid, Stepan Georg, Steurer Erwin, Stiasny Stefan, Stimac Christina, Stocker Elisabeth, Stöckl Andrea, Stöffl Eva, Stöger Manuela, Stöger
Maria, Stora Yvonne, Straka Friedrich, Stransky Angela, Stranzl Walter, Strasser Pamela, Straßnig Josef, Strau Wolfgang, Strubreiter Thomas,
Strycek Marion, Stummer Franz, Stummvoll Doris, Stusak Günther, Suchentrunk Isolde, Supper Franz, Svaton Brigitte, Svoboda Thomas, Szakusits
Manfred, Szeidel Josefa, Szekely Hippolyt, Szloboda Walter, T Tamegger Helmut, Tanriverdi Manuela, Tatschl Eva, Taubitz Gabriele, Tausz Gerald,
Thaler Johann, Thomann Heidemarie, Thurner Rosa, Töpfl Günther, Toifl Andreas, Toifl Martina, Tomaschek Lucia, Tomazic Nina, Toth Petra, Tragschitz
Anton, Traschler Petra, Trausmüller Eva, Trautmann Wolfgang, Trcka Andrea, Trettler Franz, Tröster Alexandra, Trunner Daniela, Tschank Claudia,
Tscherkassky Andrea, Tschrepitsch Bernhard, Tschrepitsch Günther, Tuchny Sabrina, Tuider Herbert, Tunkl Christian, Turek Ulrike, Tutsch Michael, U
Uher Christoph, Uhl Ulrike, Ullram Erich, Urbanek Friedrich Harald, V Valentin-Schilling Sabine, Vandrovec Susanne, Vartok Robert, Vasilico Michael,
Vass Marion, Vavrousek Thomas, Veith Enrico, Veits Georg, Vesely Claudia, Vetter Daniela, Vock Christine, Vogt Christina, Vogt Elisabeth, Vorhemus
Bernhard, Vorpahl Karin, Votypka Patricia, Votypka Rudolf, Voulgaris Anastasios, Vsetecka Christian, W Wachlowski Evelin, Wachsler Sibylla, Wacker
Sonja, Wagner Florian, Wagner Martin, Wagner Robert, Wailzer Susanna, Wais Christian, Waitz Christa, Wald Thomas, Walenta Robert, Walla Astrid,
Wallner Herta, Wallner Katharina, Wanieczek Peter, Watzek Katharina, Weber Andreas, Wechselberger Bettina, Wecko Bettina, Weger Annette, Weger
Thomas, Wegl Elisa, Wehofsky Claudia, Weidinger Gerhard, Weimann Thomas, Weinmann Gabriele, Weiser Beatrix, Weiss Brigitte, Weiss Gudrun,
Weiß Lothar, Weiss Sylvia, Weiß Rainer, Wendelin Norbert, Wenger Harald, Wenisch Helmut, Wentseis Franz, Wenzina Christian, Wesel Erwin, Wessely
Lieselotte, Westermayr Claudia, Wetzel Wilfried, Wiesinger Elisabeth, Wiesler Christian, Wiesler Sabine, Willert Doris, Wiltsch Michael, Windisch
Wolfgang, Winkelhofer Jutta, Winkler Maria, Winkler Philipp, Winter Helene, Winter Helmut, Winter Maria, Wirsta Michael, Wisgrill Heinz, Wistl Claudia,
Withalm Michael, Witschel Brigitte, Witting Ulrike, Wittmann Robert, Wögenstein Claudia, Wöginger Alicia, Wöhry Petra, Wokrinek Leo, Wolf Eva-Maria,
Wolfram Bernhard, Wollner Markus, Woltron Fabienne, Wonisch Irene, Writze Matthias, Wurzinger-Salazar Marianne, Wutte Sandra, Z Zachl Gerhard,
Zainzinger Andreas, Zakostelsky Eva Maria, Zakoucz Margit, Zangerl Michaela, Zechmeister Carmen, Zechmeister Silvia, Zederbauer Christine,
Zeininger Gerlinde, Zeitlinger-Krcmar Sonja, Zernatto Rosanna, Zieger Gerhard, Zimmermann Hubert, Zintl Brigitte, Zlabinger Josefine, Zweckmayr Angelika
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