Raiffe ise n Bank Inte r national AG Cor por ate Pr e se ntation Co rpo ra te Pre se nta tio n April 2012 ‹# ›
T able of Conte nts Ra iffe ise n Ba nk I nte rna tio na l – An o ve rvie w - 3 F ull Ye a r Re sults 2011 12 Ma rke t e nviro nme nt in Austria a nd CE E 21 T he Austria n Ra iffe ise n Ba nking Gro up 25 Co rpo ra te Re spo nsib ility 31 Pro duc ts fo r Co rpo ra te Custo me rs 34 I mpo rta nt RBI Gro up Pa rtic ipa tio ns 45 Co rpo ra te Pre se nta tio n April 2012 ‹# ›
Raiffe ise n Bank Inte r national – An ove r vie w Bosnie n und Poland Albania Ukr aine He r ze gowina Slovakia Romania Russia Co rpo ra te Pre se nta tio n April 2012 ‹# ›
Ra iffe ise n Ba nk Inte r na tional AG (RBI) A le a ding c o rpo ra te a nd inve stme nt b a nk fo r Austria ‘ s T o p 1,000 c o mpa nie s a nd fo r We ste rn E uro pe a n c o mme rc ia l c usto me rs A le a ding unive rsa l b a nk in CE E with the la rg e st ne two rk o f a ny We ste rn b a nking g ro up Ho me ma rke t Austria a nd Ce ntra l a nd E a ste rn E uro pe (CE E ) F urthe r fo c us o n Asia L iste d o n the Vie nna Sto c k E xc ha ng e Co rpo ra te Pre se nta tio n April 2012 ‹# ›
RBI at a Glanc e Se le c te d ke y fig ure s Custo me rs: ~ 13.8 millio n Busine ss o utle ts: ~ 2,900 E mplo ye e s: ~ 59,000 Ma rke t Ca pita lisa tio n: ~ E UR 4.9 b illio n Ra ting Ove rvie w L ong - te rm Outlook Short- te rm Sta nda rd & Po o r's A Ne g a tive A-1 Mo o dy's A1 RuR do wn P-1 F itc h A Sta b le F 1 Ma rke t pre se nc e in CE E 17 ma rke ts a c ro ss the re g io n – sub sidia ry b a nks (in 15 ma rke ts), le a sing c o mpa nie s a nd o the r fina nc ia l se rvic e pro vide rs. Worldwide ma rke t pre se nc e 32 c o untrie s – sub sidia ry b a nks, b ra nc he s, re pre se nta tive o ffic e s a nd o the r fina nc ia l se rvic e pro vide rs. Da ta a s o f Ma rc h 2012 Co rpo ra te Pre se nta tio n April 2012 ‹# ›
Inve stme nt Highlights L e ading Positions in Most CE E Mar ke ts E xte nsive CE E Ne twor k and We ll- Re c ognize d Br and Str ongly Positione d in Re silie nt CE E Mar ke ts Attra c tive me dium te rm g rowth a nd e a rning s prospe c ts We ste r n Bank Most Ge ar e d towar ds Russia 15% me dium te rm pre - ta x ROE ta rg e t Dive r sifie d & Pr ofitable Busine ss Mode l with E stablishe d T r ac k Re c or d Unive r sal Bank with L ar ge Clie nt Base and Compr e he nsive Pr oduc t Platfor m E xpe r ie nc e d and Stable Manage me nt T e am Co rpo ra te Pre se nta tio n April 2012 ‹# ›
Inte r national Pr e se nc e We ste r n E ur ope F ra nkfurt L o ndo n CIS Ma lta Alma ty Ma drid K ie v Mila n Minsk Pa ris Mo sc o w Sto c kho lm Vie nna Asia Ce ntr al Be ijing E ur ope Ha rb in USA Southe aste r n Ho Chi Minh City Bra tisla va Ho ng K o ng Chic a g o E ur ope Buda pe st Jo ho r Ba hru Ho usto n Ma rib o r Be lg ra de Mumb a i Ne w Yo rk Pra g ue Buc ha re st Se o ul Wa rsa w Chisina u Sing a po re Pristina Xia me n Sa ra je vo Zhuha i So fia T ira na Za g re b Co rpo ra te Pre se nta tio n April 2012 ‹# ›
ke ts L e ading Position in Most CE E Mar L e a ding re g io na l Ce ntra l E uro pe (CE ) Cze c h Re public , #5 Poland, #12 Polbank 1 Russia, #8 So uthe a ste rn E ur. (SE E ) pla ye r with CE E L o a ns: 6.5 b n L o a ns: 5.3 b n L o a ns: 5.1b n L o a ns: 9.1 b n Russia Clie nts: 470,666 Clie nts: 246,586 Clie nts: ~800,000 Clie nts: 2,135,551 pre se nc e o f a lmo st Busine ss Outle ts: 129 Busine ss Outle ts: 116 Busine ss Outle ts: 344 Busine ss Outle ts: 191 CIS Othe r 25 ye a rs Austr ia, #3 Be lar us, #5 Co ve ring 18 L o a ns: 24.0 b n L o a ns: 0.8 b n ma rke ts (inc l. Clie nts: 7,882 Clie nts: 790,811 Busine ss Outle ts: 4 Busine ss Outle ts: 101 Austria ), o f whic h e ig ht a re E U Hungar y, #5 Ukr aine , #4 L o a ns: 5.6 b n L o a ns: 4.2 b n me mb e rs, in Clie nts: 643,257 Clie nts: 3,380,743 a dditio n, Cro a tia Busine ss Outle ts: 134 Busine ss Outle ts: 909 ha s sig ne d E U Slovakia, #3 Romania, #3 a c c e ssio n tre a ty, L o a ns: 6.6 b n L o a ns: 4.4 b n Se rb ia ha s Clie nts: 788,215 Clie nts: 1,913,601 c a ndida te sta tus Busine ss Outle ts: 156 Busine ss Outle ts: 551 Bulgar ia, #4 T o p 5 ma rke t Slove nia, #10 L o a ns: 3.0 b n L o a ns: 1.3 b n po sitio n in 13 Clie nts: 67,526 Clie nts: 775,580 c o untrie s Busine ss Outle ts: 17 Busine ss Outle ts: 187 Stro ng ma rke t Cr oatia, #5 Bosnia & He r ze g., #3 Albania, #1 Kosovo, #2 Se r bia, #5 L o a ns: 3.8 b n L o a ns: 1.4 b n L o a ns: 1.0 b n L o a ns: 0.4 b n L o a ns: 1.3 b n po sitio n with Clie nts: 538,817 Clie nts: 591,507 Clie nts: 692,142 Clie nts: 252,343 Clie nts: 508,503 Austria n c o rpo ra te s Busine ss Outle ts: 81 Busine ss Outle ts: 98 Busine ss Outle ts: 105 Busine ss Outle ts: 54 Busine ss Outle ts: 85 fo c using o n CE E No te : Po sitio n b a se d o n lo a ns a nd a dva nc e s to c usto me rs a s o f Q3/ 2011; e xc e pt fo r Bo snia & He rze g o vina a s o f Q2/ 2011; a ll lo a ns da ta in E UR; c o untrie s a b o ve re pre se nt he a dq ua rte rs a nd ne two rk units, a dditio na lly, RBI o pe ra te s le a sing units in Mo ldo va a nd K a za khsta n 1) Sub je c t to c lo sing o f a c q uisitio n o f a 70% sta ke in Po lb a nk; c lie nts, b usine ss o utle ts a nd lo a ns numb e rs a s o f Q2/ 2011 Co rpo ra te Pre se nta tio n April 2012 ‹# ›
E xpansion in CE E Cze c h Hung a r y Pola nd Bulg a r ia Russia Roma nia Se r bia Gre e nfie ld Re public Slova kia Cr oa tia Ukr a ine 1987 1991 1993 1994 1996 1998 2000 2001 2002 2003 2004 2005 2006 2012 Bosnia a nd Slove nia Kosovo Be la r us Ukr a ine Pola nd 1) He r ze g ovina Ac q uire d Cze c h Roma nia Alba nia Re public Russia Se le c tive e xpa nsio n stra te g y a t re a so na b le pric e s E xc e lle nt tra c k re c o rd in te rms o f inte g ra ting a nd ma na g ing o f b usine sse s in CE E 1) Sub je c t to re g ula to ry a ppro va ls a nd suc c e ssful c lo sing o f the tra nsa c tio n Co rpo ra te Pre se nta tio n April 2012 ‹# ›
Se le c te d Awar ds Be st Bank in CE E – Global F inanc e , 2012 Be st Bank in Austr ia – Global F inanc e , 2011 Be st Bank in CE E – E ur omone y, 2011 Be st Bank in CE E & CIS r e gion – E ME A F inanc e , 2011 Be st Bank in Austr ia – E ME A F inanc e , 2011 RBI a nd its ne two rk b a nks ha ve re c e ive d nume ro us a dditio na l a wa rds a nd distinc tio ns. Co rpo ra te Pre se nta tio n April 2012 ‹# ›
F ull Ye ar Re sults 2011 Co rpo ra te Pre se nta tio n April 2012 ‹# ›
F Y 2011 – F inanc ial Highlights Ne t inte re st inc o me inc re a se d to E UR 3,667 mn (up 2.5% y-o -y) Ope ra ting inc o me (g o o dwill impa irme nt e xc lude d) inc re a se d to E UR 5,475 mn (up 1.3% y-o -y) Ge ne ra l a dmin. e xpe nse s inc re a se d to E UR 3,120 mn (up 4.7% y-o -y) Ne t pro visio ning fo r impa irme nt lo sse s dro ppe d to E UR 1,064 mn (do wn 10.9% y-o -y) Pr ofita bility I mpa irme nt o f g o o dwill o f E UR 187 mn ma inly in Ukra ine Pro fit b e fo re ta x up to E UR 1,373 mn (up 6.7% y-o -y) c o nside ra b ly influe nc e d b y va lua tio n g a ins o n o wn issue s a nd ma c ro he dg e s T a xe s inc re a se d due to hig he r de fe rre d ta x e xpe nse s Co nso lida te d pro fit de c re a se d to E UR 968 mn (do wn 11.0% y-o -y) ROE b e fo re ta x re ma ine d fla t a t 13.7% NPL ra tio impro ve d to 8.6% (do wn 0.3PP c o mpa re d to F Y 2010) Co ve ra g e ra tio impro ve d to 68.4% (up 2.1PP c o mpa re d to F Y 2010) Asse t Qua lity L o a ns to c usto me rs inc re a se d to E UR 81,576 mn (up 7.8% c o mpa re d to F Y 2010) Co re T ie r 1 ra tio (to ta l risk) inc re a se d to 9.0% (up 0.2PP c o mpa re d to F Y 2010) Re g ula tor y Ca pita l Ra tios T ie r 1 ra tio (to ta l risk) inc re a se d to 9.9% (up 0.2PP c o mpa re d to F Y 2010) Co rpo ra te Pre se nta tio n Ma rc h 2012 12
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