Raiffeisenlandesbank Niederösterreich-Wien Company Presentation Vienna, 2010.

Raiffeisenlandesbank Niederösterreich-Wien

Company Presentation

Vienna, 2010

2Company Presentation IGE_2010

Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) at a first glance

To understand our background: Introduction of the Raiffeisen Banking Group

Strategy, Key Facts and Results

Centrope and International Activities

Contacts

Content

3Company Presentation IGE_2010

Raiffeisenlandesbank Niederösterreich-Wien (RLB NW)

RLB NW was founded in 1898 by Lower Austria's cooperative Raiffeisen banks

RLB NW, with a balance sheet total of ~ 30.0 bn EUR (2009e), is among the Top 8 Austrian banks in terms of total assets

As a universal bank, RLB focuses on retail, SME and middle market, corporate, treasury and international

RLB NW is a Aa3 rated regional bank covering the provinces of Lower Austria and Vienna which account for approximately half of the country's bankable population

In addition, RLB NW has expanded into the Centrope Region (now part of RLB's company vision) where it co-owns the Raiffeisenbanks in Slovakia, Czech Republic and Hungary

With its 31.3 % shareholding in RZB, RLB NW is a very important driver of the Austrian Raiffeisen Banking Group – the largest banking group in the country

4Company Presentation IGE_2010

Raiffeisen in Austria – History & Philosophy

Raiffeisen Banking Group was founded by F. W. Raiffeisen (1818-1888), one of the most important social reformers in the 19th century

The original goal was to provide basic banking services to the rural population based on cooperative principles

Only ten years after foundation of the first Raiffeisenkasse (Lower Austria) in 1886, 600 banks were operating according to the Raiffeisen system

Those local cooperatives formed Raiffeisen Regional Banks like RLB Niederösterreich-Wien (founded in 1898) at provincial level and RZB in 1927 at federal level1)

The Raiffeisen idea has proven to be timeless: Raiffeisen is still a politically neutral and financially independent banking sector within Austria

The unique trade mark is the so-called "gable cross" – a symbol of protection and cooperation

F.W. Raiffeisen

The "Gable Cross"

1) See also "Three tier strucure" of Austrian Raiffeisen Banking Group

5Company Presentation IGE_2010

Today, the Raiffeisen Banking Group is the most important financial service provider in Austria

Domestic market share of approx. 25%

4 mn customers, 2 mn members, 31,000 employees served in 560 banks with 1,750 branches

Approx. 78 bn EUR domestic customer deposits (6/2009) and 49 bn EUR domestic savings deposits

Highest safety net – 100% of all deposits insured

Fully integrated financial service & IT provider

Total assets: 265.3 bn EUR Total Equity: 20.5 bn EUR 4 mn customers 560 banks 2,310 domestic outlets

Total Assets [EUR bn]1)

Market share of Raiffeisen by Product 6/2009 [%]

Key Data1) (2008)

Group Participations

265236

205176

2005 2006 2007 2008

23,2%27,8% 30,1%

DomesticLoans

DomesticDeposits

SavingDeposits

1) Legally not consolidatedSource: Austrian Central Bank, Specialized Raiffeisen companies not included

6Company Presentation IGE_2010

Overview over the Austrian Banking Market

1) Legally not consolidated 2) incl. Independent Savings Banks 3) incl. Investkredit 4) largest shareholder of RZB-Group * IFRS ** Austrian Accounting Standards

Source: Annual Reports, Bankscope, January 2010

Raiffeisen Banking Group1)

Unicredit Bank Austria Group

Erste Bank Group2)

RZB Group

OeVAG Group3)

Bawag/PSK

Hypo Group Alpe Adria

RLB Oberösterreich

RLB Niederösterreich-Wien4)

Oberbank

Hypo Tirol Bank

Total Assets

[EUR bn/2008]

265.3

215.2

201.4

156.9

52.9

45.4

43.3

32.9

27.5

15.3

13.1

Rating

[Moody's]

A1

Aa3

A1

Baa1

Baa1

Baa2

Aa3

Aa3

not rated

Aa1

Total Net Profit *

[EUR mn/1H2009]

833

492

168

-139

13.3

-24**

115

90

38

14

7Company Presentation IGE_2010

The bottom-up ownership pyramid of the Raiffeisen sector in Austria – RLB NW is RZB’s largest shareholder (31.3%)

1) 44% of all Austrian banking outlets

~560 Raiffeisen Banks ~1.750 Branches1)

Focus: retail and small companies

8 Raiffeisen Regional Banks (= Raiffeisenlandesbanken)

Focus of RZB: Top 1,000 corporates in Austria, investment banking and internatl. 70% owner of Raiffeisen International

~ 2 Mio. Cooperative Members in Austria

8 Raiffeisen Regional Banks own 88% of RZB‘s share capital

Raiffeisenlandesbank Niederösterreich-Wien is RZB‘s largest shareholder (31.3%)

RZB Focus of Raiffeisen International: Universal

Banks – 14.7 Mio. customers in CEE & CIS

8Company Presentation IGE_2010

Raiffeisen in Lower Austria/Vienna – Ownership structure

77 Raiffeisen Banks in Lower Austria

Others(e.g. Commodity Organisations)

Raiffeisen-HoldingNiederösterreich-Wien reg.Gen.m.b.H.

RaiffeisenlandesbankNiederösterreich-Wien AG (RLB NW)

Bank participations:RZB (31.3%)Raiffeisen Bank CZ (24.0%)Raiffeisen Bank HU (16.2%)Tatra Banka SK (12.6%)

Non-Bank participations

21.5%

71% 29%

78.5%

9Company Presentation IGE_2010

RLB NW: Key Financials and data

Total assets in mn EUR

Operating Profit in mn EUR

Profit after tax in mn EUR

Total Equity in mn EUR

Return on Equity (A/T)

Return on Assets

BIS Ratio (CAR)

Tier 1 Ratio

Cost-Income-Ratio

Employees

Key data 2008

27,533

213.4

29.2

1,920

1.5 %

0.12 %

12.0 %

9.1 %

43.4 %

1,232

2007

19,549

357.1

303.6

1,897

17.1 %

1.69 %

11.4 %

7.5 %

30.7 %

1,189

1) At Equity consolidation of RZB Group (31,3%)

18,251

191.1

135.8

806

17.6 %

0.8 %

11.3%

7.4%

45 %

1,189

25,238

228.7

107.6

1,211

10.7 %

0.5 %

11.8 %

8.9%

42%

1,232

2007 2008

Austrian Accounting Standards IFRS¹

2009/HY

30,041

102.2

90.3

2,028

8.3 %

0.59 %

11.4 %

8.6 %

44.0 %

1,238

2009exp

29,657

211.2

124.0

1,277

10.0%

0.5 %

12.4%

9.0%

45%

1,250

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Company Presentation IGE_2010

The Lower Austrian Raiffeisenbanks are dominating their local banking market

Total Assets in bn EUR

Operating Profit in mn EUR

Profit after tax in mn EUR

BIS ratio

Cost-Income-Ratio

Employees

Market Share

Key data (IFRS) 2006

14.8

136.3

43.6

14.5 %

70.8 %

3,498

~ 39 %

2008

17.6

155.1

44.1

14.0 %

69.4 %

3,591

~ 40 %

2007

15.7

142.5

35.5

14.8 %

70.6 %

3,553

~ 39 %

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Company Presentation IGE_2010

The "Centrope-Region" is a strategic region of RLB NW 6 mn. inhabitants (core region), 29 mn

inhabitants and important economic centers Close connections with Austrian economy Direct participations in

– Raiffeisen Bank, Czech Republic (24.0%)– Tatra Banka, Slovakia (12.6%)– Raiffeisen Bank, Hungary (16.2%)

Dedicated International Desk established

Specific Initiatives to support clients in the Centrope Region– Joint offices with Ecoplus in Prague, Bratislava,

Budapest and Warsaw– Centropa Regional Fund– Twin City Liner Bratislava-Vienna

RLB NW‘s business policy focussing on project finance and joint initiatives with subsidiary banks

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Company Presentation IGE_2010

RLB NW's strategy towards international business outside of the Centrope Region

To support our clients in their international business in – documentary business, – trade and export finance and – international payments

To cooperate with partner banks in their local markets– direct L/C and trade finance– syndications/club loans

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Company Presentation IGE_2010

Raiffeisenlandesbank Niederösterreich-Wien –Contacts for International Banks at a glance

Website: www.raiffeisenbank.at Email: [email protected] Tel: +43-5-1700 + Ext.Visiting Address: Friedrich-W.-Raiffeisen-Platz 1, A-1020 Vienna SWIFT: RLNWATWW Fax: +43-5-17008 + Ext.

INTERNATIONAL DIVISIONFelix Mayr, Head of Division Ext. 92228Financial InstitutionsIvica Bozan, Head of Financial Institutions Ext. 92495Samantha Sankholkar, Senior Manager Ext. 92274Nadja Watti, Senior Manager Ext. 92426Christiane Tauschitz, Manager Ext. 93544CorporatesSigrid Regner, Head of International Corporates Ext. 92214 Martin Mayerhofer, Manager Ext. 92859Radoslav Poljasevic, Manager Ext. 92353Marlene Rammerstorfer, Manager Ext. 92358Silvia Zahradnik, Manager Ext. 92481L/C, Guarantees and Trade FinanceIrene Kammerhofer, Head of Department Ext. 92157Export Finance & FDI FinanceAlfred Götsch, Head of Department Ext. 92359Peter Förster, Senior Manager Ext. 92249Country & Bank AnalysisJulia Muhr, Head of Country & Bank Analysis Ext. 92957Kerstin Kader, Manager Ext. 92262

TREASURY DIVISIONTim Geissler, Head of Division Ext. 92477Asset/Liability-ManagementJochen Bonk, Head of Department Ext. 95495Christian Stangl, MM & Derivatives Ext. 92752

FX & Securities SalesDetlef Völlger, Head of Department Ext. 95440Treasury ConsultingChristian Tunkl, Head of Department Ext. 95448Funding & Liquidity Steering Michael Handl, Head of Department Ext. 95591

CASH MANAGEMENT DIVISIONJohann Friedl, Head of Division Ext. 92904Helene Winter, Senior Manager Ext. 92056

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Company Presentation IGE_2010

RLB NW is organized in five business lines

BOARD DIVISION

Treasury/T. Geissler

– FX & Securities Sales/ D. Völlger

– Funding & Liquidity Steering/M. Handl

– Asset/Liability Management/J. Bonk

– Treasury Consulting/C. Tunkl

Investment Products/R. Reitter

Financial Markets Consulting Raiffeisen Banks/W. Serles

Financial Markets

G. Rehor

Raiffeisen Banks/Manage-ment-

Service Chairman E. Hameseder

Raiffeisen Banks-Service/J. Bernsteiner

Marketing/W. Hanreich Internal Audit/J. Piewald Human Resources/

N. Wendelin Participations/

K. Miesenböck Public Relations/P. Wesely

Corporate Banking

R. Karl

Corporate Banking Vienna/M. Rammel

Corporate Banking Lower Austria/H. Kalenda

Project Finance/G. Riedel International Division/

F. Mayr

– International Finance & Correspondent Banking/F. Mayr

– Documentary Business & Trade Fin./I. Kammerhofer

– Export & FDI Finance/A. Götsch

Back Office Loans/G. Hoffelner

Centrope/A. Hopf Legal Affairs/M. Writze

– Compliance Officer/T. Heinrich

District Office Retail – Vienna/North/I. Blaschka

District Office Retail – Vienna/East/E. Wesel

District Office Retail –Vienna/South/L. Kremser

District Office Retail – Vienna/West/R. Fischer

Private Banking/Ch. Ohswald

Commercial Customers/ G. Giefing

Mobile Sales Team/R. Fischer

Retail Banking Raiff. Employees/A. Toifl

Sales Support Vienna/M. Aschauer

Retail Banking

G. Kraft-Kinz

Risk Management/ Organisation

W. Rab

Accounting & Controlling/R. Großebner

– Accounting/B. Martetschlaeger

– Controlling/F. Urbanek

– Treasury Services/M. Szakusits

Credit Risk Management/H. Donath

Cash Management/J. Friedl

– Payments Consulting/J. Deutenhauser

– Product Development and Systems/G. Schestauber

Organization/IT/M. Wollner Treasury Mid-Office/

R. Vartok Enterprise Risk

Management/O. Schmölzer

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Company Presentation IGE_2010

International Finance & Financial InstitutionsFelix Mayr Ext 92228 Executive Vice President, Head of International Division & Head of International Finance & Financial Institutions

[email protected] Corporate Clients Financial Institutions & Correspondent Banking

Roswitha AmonAssistant Ext [email protected]

Samantha SankholkarSenior Manager, Focus: CIS & Asia Ext [email protected]

Nadja WattiSenior Manager Focus: MENA, Central & Western Europe

Ext [email protected] TauschitzManager Financial Institutions [email protected]

Ext 93544

Ivica BozanSenior Vice President, Head of Financial [email protected] Ext 92495

Sigrid Regner Ext 92214Senior Vice President, Head of Intern. Corporates [email protected]

Martin MayerhoferManager, International Corporates ClientsExt [email protected]

Radoslav PoljasevicManager, International Corporates ClientsExt [email protected]

Marlene Rammerstorfer Manager, International Corporates Clients

Ext [email protected]

Irene Buchberger-VilanekAssistant Ext [email protected]

Silvia ZahradnikManager, International Corporates ClientsExt [email protected]

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Company Presentation IGE_2010

Disclaimer

This presentation is aimed to give correspondent banks a first overview on Raiffeisenlandesbank Niederoesterreich-Wien (RLB NW) and the Raiffeisen Banking Group Austria.

The information contained herein has been prepared from publicly available information or sources that RLB NW believes as reliable.

RLB NW however accepts no liability or responsibility for the truth, accuracy, adequacy, completeness of and makes no representation, warranty or undertaking (expressed or implicitly) with respect to the information contained in this presentation