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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

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SLIDE 1

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Raiffe ise n Bank Inte r national AG Cor por ate Pr e se ntation

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SLIDE 2

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

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

T able of Conte nts

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SLIDE 3

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Bosnie n und He r ze gowina

Raiffe ise n Bank Inte r national – An ove r vie w

Albania Ukr aine Slovakia Poland Romania Russia

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SLIDE 4

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

  • 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

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SLIDE 5

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

  • ng - 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

  • 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

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SLIDE 6

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 Str

  • ngly Positione d in Re silie nt CE

E Mar ke ts We ste r n Bank Most Ge ar e d towar ds Russia Dive r sifie d & Pr

  • fitable 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

  • duc t

Platfor m E xpe r ie nc e d and Stable Manage me nt T e am E xte nsive CE E Ne twor k and We ll- Re c ognize d Br and

Attra c tive me dium te rm g rowth a nd e a rning s prospe c ts 15% me dium te rm pre - ta x ROE ta rg e t

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SLIDE 7

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Inte r national Pr e se nc e

Asia

Be ijing Ha rb in Ho Chi Minh City Ho ng K

  • ng

Jo ho r Ba hru Mumb a i Se o ul Sing a po re Xia me n Zhuha i

Southe aste r n E ur

  • pe

Be lg ra de Buc ha re st Chisina u Pristina Sa ra je vo So fia T ira na Za g re b

CIS

Alma ty K ie v Minsk Mo sc o w

We ste r n E ur

  • pe

F ra nkfurt L

  • ndo n

Ma lta Ma drid Mila n Pa ris Sto c kho lm Vie nna

Ce ntr al E ur

  • pe

Bra tisla va Buda pe st Ma rib o r Pra g ue Wa rsa w

USA

Chic a g o Ho usto n Ne w Yo rk

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SLIDE 8

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

L e ading Position in Most CE E Mar ke ts

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

L e a ding re g io na l pla ye r with CE E pre se nc e o f a lmo st 25 ye a rs

Co ve ring 18 ma rke ts (inc l. Austria ), o f whic h e ig ht a re E U me mb e rs, in a dditio n, Cro a tia ha s sig ne d E U a c c e ssio n tre a ty, Se rb ia ha s c a ndida te sta tus

T

  • p 5 ma rke t

po sitio n in 13 c o untrie s

Stro ng ma rke t po sitio n with Austria n c o rpo ra te s fo c using o n CE E

Romania, #3

 L

  • a ns: 4.4 b n

 Clie nts: 1,913,601  Busine ss Outle ts: 551

Poland, #12

 L

  • a ns: 5.3 b n

 Clie nts: 246,586  Busine ss Outle ts: 116

Cze c h Re public , #5

 L

  • a ns: 6.5 b n

 Clie nts: 470,666  Busine ss Outle ts: 129

Hungar y, #5

 L

  • a ns: 5.6 b n

 Clie nts: 643,257  Busine ss Outle ts: 134

Polbank1

 L

  • a ns: 5.1b n

 Clie nts: ~800,000  Busine ss Outle ts: 344

Austr ia, #3

 L

  • a ns: 24.0 b n

 Clie nts: 7,882  Busine ss Outle ts: 4

Cr

  • atia, #5

 L

  • a ns: 3.8 b n

 Clie nts: 538,817  Busine ss Outle ts: 81

Bosnia & He r ze g., #3

 L

  • a ns: 1.4 b n

 Clie nts: 591,507  Busine ss Outle ts: 98

Albania, #1

 L

  • a ns: 1.0 b n

 Clie nts: 692,142  Busine ss Outle ts: 105

Slove nia, #10

 L

  • a ns: 1.3 b n

 Clie nts: 67,526  Busine ss Outle ts: 17

Kosovo, #2

 L

  • a ns: 0.4 b n

 Clie nts: 252,343  Busine ss Outle ts: 54

Bulgar ia, #4

 L

  • a ns: 3.0 b n

 Clie nts: 775,580  Busine ss Outle ts: 187

Se r bia, #5

 L

  • a ns: 1.3 b n

 Clie nts: 508,503  Busine ss Outle ts: 85

Russia, #8

 L

  • a ns: 9.1 b n

 Clie nts: 2,135,551  Busine ss Outle ts: 191

Be lar us, #5

 L

  • a ns: 0.8 b n

 Clie nts: 790,811  Busine ss Outle ts: 101

Ukr aine , #4

 L

  • a ns: 4.2 b n

 Clie nts: 3,380,743  Busine ss Outle ts: 909

Slovakia, #3

 L

  • a ns: 6.6 b n

 Clie nts: 788,215  Busine ss Outle ts: 156

Ce ntra l E uro pe (CE ) So uthe a ste rn E

  • ur. (SE

E ) Russia CIS Othe r

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SLIDE 9

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

 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

Ukr a ine Hung a r y Pola nd Slove nia Be la r us Cze c h Re public Russia Bosnia a nd He r ze g ovina Kosovo Cr

  • a tia

Se r bia Alba nia Ukr a ine Roma nia

1987 1991 1993 1994 1996 2000 2001 2002 2003 2004 2005 2006

Bulg a r ia Roma nia Pola nd 1) Russia

E xpansion in CE E

Gre e nfie ld Ac q uire d

Cze c h Re public

2012

Slova kia

1998

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

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SLIDE 10

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Se le c te d Awar ds

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.

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

  • mone 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

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SLIDE 11

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

F ull Ye ar Re sults 2011

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SLIDE 12

12 Co rpo ra te Pre se nta tio n Ma rc h 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)

 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% Pr

  • fita bility

 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)

 L

  • 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) Asse t Qua lity

 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)

 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) Re g ula tor y Ca pita l Ra tios

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SLIDE 13

13 Co rpo ra te Pre se nta tio n Ma rc h 2012

Q4/ 2011 – F inanc ial Highlights

 Ne t inte re st inc o me inc re a se d to E

UR 943 mn (up 0.1% q -o -q )

 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 1,376 mn (up 1.8% q -o -q )

 Ge ne ra l a dmin. e xpe nse s inc re a se d to E

UR 834 mn (up 7.9% q -o -q )

 Ope ra ting re sult (g o o dwill impa irme nt e xc lude d) de c re a se d to E

UR 542 mn (do wn 6.3% q -o -q )

 Ne t pro visio ning fo r impa irme nt lo sse s de c re a se d to E

UR 282 mn (do wn 25.1% q -o -q ) due to hig h pro visio ning fo r Hung a ry in Q3

 I

mpa irme nt o f g o o dwill in Ukra ine o f E UR 183 mn

 Pro fit b e fo re ta x inc re a se d to E

UR 342 mn (up 122.9% q -o -q ) 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 x ra te o f 37% due to hig h de fe rre d ta x a sse ts in c o nne c tio n with va lua tio n g a ins

 L

  • ss a ttrib uta b le to no n-c o ntro lling inte re st o f E

UR 8 mn due to lo ss in Hung a ry

 Co nso lida te d pro fit inc re a se d to E

UR 222 mn (up 70.5% q -o -q ) Pr

  • fita bility

 T

  • ta l a sse ts a mo unting to E

UR 147 b n (do wn 0.9% q -o -q )

 NPL

ra tio inc re a se d to 8.6% (up 0.2PP q -o -q )

 Co ve ra g e ra tio de c re a se d to 68.4% (do wn 2.1PP q -o -q )

Asse t Qua lity

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SLIDE 14

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

De ve lopme nt of F inanc ial Ratios in 1- 12/ 2011

ROE be for e T ax1 Cost/ inc ome Ratio Ne t Inte r e st Mar gin1 Ne t Pr

  • visioning Ratio 1,2

1) Annua lize d 2) Ca lc ula te d a s pro visio ning fo r impa irme nt lo sse s divide d b y a ve ra g e c re dit risk-we ig hte d a sse ts 13.7% 15.6% 17.1% 13.6% 13.7% 1-12/ 2010 1-3/ 2011 1-6/ 2011 1-9/ 2011 1-12/ 2011 55.1% 56.2% 55.1% 55.8% 57.0% 1-12/ 2010 1-3/ 2011 1-6/ 2011 1-9/ 2011 1-12/ 2011 2.51% 2.61% 2.62% 2.61% 2.61% 1-12/ 2010 1-3/ 2011 1-6/ 2011 1-9/ 2011 1-12/ 2011 1.66% 1.16% 1.09% 1.36% 1.38% 1-12/ 2010 1-3/ 2011 1-6/ 2011 1-9/ 2011 1-12/ 2011

slide-15
SLIDE 15

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

1,373 (126) 351 434 106 374 266 (65) 33 CE SE E Russia CIS Othe r Gro up Co rpo ra te s Gro up Ma rke ts Co rpo ra te Ce nte r Re c o nc ilia tio n 1-12/ 2011

(88)% 15% 63% 19% 27% 7% 7%

Distr ibution of Pr

  • fit be for

e T ax by Se gme nts

in E UR mn

No te : Pe rc e nta g e c ha ng e s a re y-o -y

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SLIDE 16

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Capital Ove r vie w

Change s in Own F unds Cor e T ie r 1 Ratio De ve lopme nt

No te : Inte rim fig ure s e xc l. a c c rue d pro fits in a c c o rda nc e with Austria n re g ula tio n

Cor

e T ie r 1 r atio inc re a se d to 9.0%

T

ie r 1 c apital ro se b y E

UR 228 mn (a fte r de duc tio n o f E UR 204 mn pro po se d sha re divide nd a nd E UR 200 mn pa rtic ipa tio n c a pita l divide nd)

8.9% 8.9% 8.5% 7.9% 9.0%

De c 2010 Ma r 2011 Jun 2011 Se p 2011 De c 2011

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SLIDE 17

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

5.6 4.6

F und ing Pla n 2012 T he re o f lo ng -te rm who le sa le fund ing

~40% a c hie ve d 1

F unding Ove r vie w and Str ate gy

Str uc tur e of F unding (De c 2011) L

  • an- to- De posit Ratio

 T

  • ta l funding pla n o f E

UR 5.6 b n fo r 2012

 Re de mptio ns o f E

UR 5.5 b n c o ve re d

 L

  • ng -te rm who le sa le funding o f E

UR 4.6 b n, o f whic h c a pita l ma rke ts se nsitive pa rt o f E UR 2.1 b n

 60% o f c a pita l ma rke ts se nsitive funding e xe c ute d  Ma rke t a c c e ss pro ve n b y suc c e ssful pla c e me nt o f

b o nd a nd se c uritiza tio n tra nsa c tio ns

 Stro ng liq uidity b uffe r o f o ve r E

UR 25 b n

T

  • ta l: E

UR 123.3 bn

Ove r vie w 2012 F unding Plan (in E UR bn)

1) E xc luding E UR ~500 mn L T RO

136% 131% 127% 125% 118% 122% Se p 10 De c 10 Ma r 11 Jun 11 Se p 11 De c 11 Custo me r de po sits 54% Sho rt

  • te rm funding

23% Me dium & lo ng

  • te rm funding

19% Sub o rdina te d lia b ilitie s 4%

slide-18
SLIDE 18

Co rpo ra te Pre se nta tio n April 2012 ‹# › 9.0% 8.6% 8.5% 8.4% 8.6% 66% 68% 69% 71% 68% De c 10 Ma r 11 Jun 11 Se p 11 De c 11 NPL s a s % o f c usto me r lo a ns Co ve ra g e ra tio

NPL De ve lopme nt

 NPL

ra tio do wn b y 0.3PP sinc e De c 2010

 Re le a se s in Austria (E

UR 231 mn) a nd Russia (E UR 144 mn) due to re struc turing , sa le a nd impro ve d e c o no mic e nviro nme nt

 Additio ns y-o -y ma inly in Bulg a ria (E

UR 174 mn) a nd Cro a tia (E UR 109 mn), mo stly c o rpo ra te s. In Hung a ry (E UR 100 mn) a ll b usine ss line s a ffe c te d

 Po sitive y-o -y F

X impa c t o f E UR 145 mn

 Co ve ra g e ra tio up 2.1PP to 68.4% y-o -y drive n b y

Hung a ry, Austria a nd Russia NPL s as % of Custome r L

  • ans and Cove r

age Ratio NPL Br e akdown by Se gme nt NPL Ratio De ve lopme nt in F Y 2011

1

No te : Q4/ 2010 c o mb ine d fig ure s, b a la nc e she e t fig ure s a s pe r e nd o f pe rio d 1) Inc luding e xpo sure to b a nks

9.0% (0.2)% (0.7)% 3.1% (2.6)% 8.6% NPL ra tio De c 10 F X-e ffe c ts Vo lume NPL Additio ns NPL Re le a se s NPL ra tio De c 11 9.8% 11.3% 5.8% 29.7% 3.0% 0.8% 61% 59% 100% 68% 79% 94% CE SE E Russia CI S Othe r Gro up Co rpo ra te s Gro up Ma rke ts

NPL s a s % o f c usto me r lo a ns Co ve ra g e ra tio

slide-19
SLIDE 19

19 Co rpo ra te Pre se nta tio n Ma rc h 2012

L

  • w E

xposur e to Pe r iphe r al E U Countr ie s

Cor por ate E xposur e F I E xposur e Sove r e ign E xposur e

T

  • tal

De c 2011 T

  • tal

De c 2010 Change y-o-y Bank book T rading book Bank book T rading book Bank book T rading book

Gre e c e 30 – 30 – – –

61

115 (46.9)% I re la nd 12 5 30 226 – –

273

127 114.4% I ta ly 280 20 731 34 123 20

1,209

1,939 (37.7)% Po rtug a l – – 109 – – –

109

184 (40.7)% Spa in 62 25 648 59 – –

795

1,050 (24.3)%

T

  • tal

386 51 1,548 319 123 20 2,447

3,415 (28.4)%

RBI – T

  • tal E

xposur e 1 at e nd of F Y 2011 (in E UR mn)

1) De fine d a s e xpo sure a t de fa ult inc luding o n- a nd o ff-b a la nc e she e t po sitio ns e xc luding se c ure d re po b usine ss b e fo re re c o g nitio n o f c o lla te ra l

slide-20
SLIDE 20

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Mar ke t E nvir

  • nme nt in Austr

ia and CE E

slide-21
SLIDE 21

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Austr ia 2011 E ur

  • zone 2011

Are a (sq km ´000) 83.9 2,712 Po pula tio n (mn) 8.4 332 GDP pe r c a pita (E UR) 35,669 28,381 Unit L a b o ur Co sts (% yo y) +1.3 +1.2

So urc e : T ho mso n Re ute rs, E uro sta t, Sta tistik Austria

Austr ia: Robust E c onomy in a c halle nging E nvir

  • nme nt

Austr ia E ur

  • zone

in % 2011 2012e 2013f 2011 2012e 2013f

GDP re a l (%yo y) 3.1 0.3 1.3 1.5

  • 0.5

1.1 Une mplo yme nt ra te 4.2 4.3 4.2 10.2 10.6 10.4 E xpo rts (re a l, %yo y) 6.7

  • 0.5

3.7 6.7 2.2 4.6 Curre nt a c c o unt b a la nc e (% GDP) 2.7 2.6 2.6

  • 0.3
  • 0.2
  • 0.4

Bud g e t b a la nc e (% GDP)

  • 3.3
  • 3.1
  • 2.2
  • 4.1
  • 3.4
  • 3.0

Go ve rnme nt d e b t (% GDP) 72.2 74.8 75.2 88 90.4 90.9 Co nsume r pric e s (% yo y) 3.6 2.3 2.0 2.7 2.2 1.8

So urc e : T ho mso n Re ute rs, Ra iffe ise n RE SE ARCH

Hig h inno va tive c a pa c ity o f the industria l se c to r

Stro ng po sitio n in te rms o f pric e c o mpe titive ne ss

Co nsta nt c urre nt a c c o unt surplus

L

  • we st une mplo yme nt ra te in the e ntire E

U

slide-22
SLIDE 22

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

CE E Gr

  • wth Outlook

Countr y 2009 2010 2011e 2012f 2013f CE Cze c h

Re pub lic (4.7) 2.7 1.7 (0.2) 1.4 Hung a ry (6.8) 1.3 1.7 (0.5) 1.5 Po la nd 1.7 3.9 4.3 2.8 3.7 Slo va kia (4.8) 4.0 3.3 0.8 2.5 Slo ve nia (7.7) 1.4 (0.2) 0.0 1.5

CE (1.9) 3.2 3.1 1.4 2.7 SE E Alb a nia

3.3 3.9 2.0 2.5 3.5 Bo snia a . H. (2.9) 0.7 1.9 0.0 2.0 Bulg a ria (5.5) 0.4 1.7 1.0 2.5 Cro a tia (6.0) (1.2) 0.2 (1.0) 1.0 K

  • so vo

2.9 3.9 4.0 3.0 4.0 Ro ma nia (6.6) (1.6) 2.5 0.5 2.5 Se rb ia (3.5) 1.0 2.0 0.0 1.0

SE E (5.4) (0.7) 1.9 0.3 2.1 CIS Be la rus

0.2 7.6 5.3 3.0 3.0 Russia (7.9) 4.3 4.3 3.7 4.0 Ukra ine (14.8) 4.2 5.2 3.5 4.0

CIS (8.2) 4.4 4.4 3.7 4.0 CE E (6.1) 3.5 3.7 2.6 3.4 Austr ia (3.8) 2.3 3.1 0.3 1.3 Ge r many (5.1) 3.6 3.1 0.0 1.1 E ur

  • zone

(4.2) 1.8 1.5 (0.5) 1.1

So urc e : Ra iffe ise n Re se a rc h No te : F

  • re c a sts a s o f 15 Ma rc h 2012

De ve lopme nt of Re al GDP (% )

slide-23
SLIDE 23

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Re silie nt CE E Gr

  • wth De spite Global T

ur bule nc e

Gr

  • wth Outlook (2011 – 2015)

So urc e : Ra iffe ise n Re se a rc h

1.0% 1.7% 2.7% 2.2% 3.8% 4.1% E uro zo ne Austria CE SE E CI S Othe r Russia Ave ra g e GDP Gro wth y-o -y

slide-24
SLIDE 24

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

F re e F lo a t: 21.5% Ho lds the ma jo rity o f RBI

8 Re gional Raiffe ise n Banks and othe r shar e holde r s

Jo intly ho ld the ma jo rity o f RZB

513 Raiffe ise n Banks (total > 2,200 outle ts)

Co- ope r ative Str uc tur e of Austr ia’s lar ge st Banking Gr

  • up

 T

he Austria n Ra iffe ise n Ba nking Gro up (RBG) is a thre e -tie re d o rg a nisa tio n, c o mprise d o f a uto no mo us, lo c a lly a c tive Ra iffe ise n Ba nks, (Re g io na l Ra iffe ise n Ba nks) a nd Ra iffe ise n Ze ntra lb a nk (RZB)

 RBG ha s o ve r E

UR 75 b n o f Austria n c usto me rs’ de po sits unde r ma na g e me nt, o ve r E UR 45 b n the re o f a re sa ving s de po sits (witho ut b uilding so c ie ty sa ving s)

 I

t fo c use s princ ipa lly o n the fina nc ing fie ld with sma ll a nd me dium-size d e nte rprise s, the to urism industry a nd the a g ric ultura l se c to r a nd priva te individua ls.

 T

he Re g io na l Ra iffe ise n Ba nks ma na g e the liq uidity fo r the lo c a l Ra iffe ise n b a nks a nd re nde r

  • the r c e ntra lize d se rvic e s.

 F

  • r the pro te c tio n o f its c usto me rs, the RBG ha s

se t up the Cro ss-g ua ra nte e sc he me RK Ö, whic h pro te c ts up to 100 pe r c e nt o f c usto me rs’ de po sits a nd issue d se c uritie s.

slide-25
SLIDE 25

Co rpo ra te Pre se nta tio n Ma rc h 2012 ‹# ›

Austr ia’s No. 1: Raiffe ise n Banking Gr

  • up

T he Raiffe ise n Banking Gr

  • up has a 25% shar

e of the c ountr y’s

  • ve r

all banking mar ke t

RBG Austr ia Mar ke t Shar e 2011* Dome stic non- bank de posits: 30% (E UR 86.2 bn) Savings de posits: 32% (E UR 50.8 bn) Sight de posits: 26% (E UR 24.8 bn) T ime de posits: 28% (E UR 9.5 bn) Dir e c t loans to non- banks: 26% (E UR 82.1 bn) Se c ur itie s funds: 29% (E UR 38.9 bn)

* a s o f 31 De c e mb e r 2011

Balanc e She e t T

  • tals 2011 in € billion

199 210 41 270 Raiffe ise n BA/ Unic r e dit E r ste Bank Volksbanke n BAWAG

147*

49

* the re o f RBI

slide-26
SLIDE 26

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

F rie dric h Wilhe lm Ra iffe ise n (1818 – 1888)

So c ia l re fo rme r, o rg a nize d se lf-he lp fo r fa rme rs

His princ iple s a re still va lid:

 Do no t wa it to b e he lpe d - he lp yo urse lf!  We a re stro ng e r a s a g ro up! 

F irst c o o pe ra tive b a nking a sso c ia tio n 1862 in Anha use n, Ge rma ny

1886: first Austria n Ra iffe ise n b a nking c o o pe ra tive in Ro sswe in (to da y Ra zva nje , Slo ve nia ) a nd Mühldo rf, L

  • we r Austria

Org a nic g ro wth o ve r 125 ye a rs witho ut a sing le b a nkruptc y

Mo re tha n 2,200 Ra iffe ise nb a nk o utle ts thro ug ho ut Austria

Raiffe ise n Banking Gr

  • up: Histor

y

slide-27
SLIDE 27

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

 Co rpo ra te pa re nt o f RBI

a nd He a d Offic e o f the RZB Gro up

 Ce ntra l institutio n o f the

Austria n Ra iffe ise n Ba nking Gro up (RBG)

 Hub fo r RBG a nd RBI

inc luding its CE E ne two rk

 Co o rdina to r o f jo int so lutio ns

Ra iffe ise n Ze ntr a lbank Öste r r e ic h AG (RZB)

slide-28
SLIDE 28

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Pr

  • duc ts for

Cor por ate Custome r s

T he c re a tio n o f Ra iffe ise n Ba nk Inte rna tio na l ha s pro d uc e d Austria 's “mo st inte rna tio na l” b a nk. RBI se rvic e s a ro und 15 millio n c usto me rs thro ug h the la rg e st b a nking ne two rk in its ho me ma rke t o f Ce ntra l a nd E a ste rn E uro pe . RBI is no t o nly re pre se nte d in the wo rld 's le a d ing fina nc ia l c e ntre s, b ut a lso ha s a stro ng pre se nc e in Asia . T his pre se nc e a llo ws the b a nk to e xe rc ise a n impo rta nt b rid g ing func tio n b e twe e n the g ro wth re g io ns o f CE E a nd Asia , a nd pa ve s the wa y fo r c usto me rs to a c c e ss the se ma rke ts.

slide-29
SLIDE 29

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

T he top bank for top c ustome r s

 I

n Austr

ia, Ra iffe ise n Ba nk I

nte rna tio na l fo c use s o n c o mme rc ia l a nd inve stme nt b a nking .

 I

t is the c or

por ate financ e bank in Austr ia a nd lo o ks a fte r the c o untry's top 1,000 c ompanie s.

 F

urthe rmo re , nume r

  • us inte r

national and multinational c or por ate c ustome r s

b e ne fit fro m its c ompr

e he nsive r ange of se r vic e s, a s do financ ial institutions a nd sove r e igns. Individual suppor t in CE E

 E

a c h RBI ne two rk b a nk ha s a n “Inte r

national De sk”, who se sta ff a c t a s the initia l c e ntr al c ontac t point fo r inte rna tio na l c usto me rs a nd, in a dditio n to a loc al c ustome r ac c ount manage r, a lso fa c ilita te c ontac ts with loc al author itie s, tax c onsultants, auditor s a nd lawye r s.

 T

he I nte rna tio na l De sk's te a m o f spe c ially tr

aine d a nd se r vic e - foc use d e mploye e s a ddre sse s the pa rtic ula r ne e ds of inte r national c ompanie s.

 Apa rt fro m pro viding se rvic e s in the re spe c tive na tio na l la ng ua g e , the c usto me r

a c c o unt ma na g e rs o n the I nte rna tio na l De sk a lso pro vide suppo rt in b o th Ge rma n a nd E ng lish.

slide-30
SLIDE 30

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

F inanc ing

As o ne o f Austria ’ s le a ding b a nks fo r inve stme nt a nd a c q uisitio n fina nc e , RBI ha s c o mple te d nume ro us la rg e -sc a le tra nsa c tio ns in the re c e nt ye a rs. RBI a lso pla ys a pro mine nt ro le in the a re a o f inte rna tio na l pro je c t fina nc e , e spe c ia lly in Ce ntra l a nd E a ste rn E uro pe .

 Co rpo ra te F

ina nc e

 Struc ture d F

ina nc e

 De b t Ca pita l Ma rke ts  F

a c to ring

 L

e a sing

slide-31
SLIDE 31

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Inve sting

We use o ur e xpe rtise to he lp o ur c usto me rs c ho o se the inve stme nt stra te g y tha t is rig ht fo r the m. De pe nding o n the re q uire d te rm, risk a ppe tite a nd fo rmula te d inve stme nt o b je c tive , we pre se nt the m with ta ilo r-ma de so lutio ns, inc luding a ll the pro duc ts a va ila b le o n the ma rke t.

 Se c uritie s  Mo ne y Ma rke t I

nve stme nts

 Spe c ia l So lutio ns

slide-32
SLIDE 32

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

He dging

Our e xpe rts he lp o ur c usto me rs a na lyse the ir ma rke t risk a nd de ve lo p ta ilo r- ma de so lutio ns to he dg e a ny c urre nc y, inte re st o r c o mmo dity risk. We suppo rt o ur c usto me rs fro m the e va lua tio n o f the ir risk te nde nc y a nd the se le c tio n o f suita b le pro duc ts, to a c tive a fte r-c a re a nd o ng o ing mo nito ring

  • f the ir tra de s.

 Curre nc y  I

nte re st

 Co mmo dity  T

ruste e De a ling s

slide-33
SLIDE 33

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

T r ade and E xpor t F inanc e

Our a im is to minimise the risks a sso c ia te d with c ro ss-b o rde r b usine ss a nd to find the b e st fina nc ing so lutio ns fo r o ur c usto me rs. F

  • r this re a so n,

c o mpa nie s with a fo c us o n e xpo rts ha ve fo r a lo ng time truste d o ur kno w- ho w a s a spe c ia list fo r tra de a nd e xpo rt fina nc e . As suc h, RBI re lie s o n its

  • wn ne two rk o f b a nks in Ce ntra l a nd E

a ste rn E uro pe a nd o n its stro ng pre se nc e in Asia a nd the ma in fina nc ia l c e ntre s o f the wo rld.

 E

xpo rt fina nc ing

 L

e tte r o f Cre dit/ Co lle c tio n

 Gua ra nte e s

slide-34
SLIDE 34

Co rpo ra te Pre se nta tio n Ma rc h 2012 ‹# ›

Inve stme nt Banking

RBI

  • ffe rs its c usto me rs a ll the pro duc ts a nd se rvic e s o f the I

nve stme nt Ba nking se c to r. T hro ug h o ur sub sidia ry Ra iffe ise n Ce ntro b a nk, we o ffe r c o rpo ra te s, institutio na l a nd priva te inve sto rs inno va tive pro duc ts, re se a rc h a nd c o nsulting se rvic e s a s we ll a s a c c e ss to the inte rna tio na l c a pita l ma rke ts.

 De b t Ca pita l Ma rke ts &

L

  • a n Syndic a tio n

 Se c uritisa tio n  E

q uity Ca pita l Ma rke ts/ Me rg e rs & Ac q uisitio ns

slide-35
SLIDE 35

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Cash Manage me nt

Offe r for c ustome r s

 Ac c o unt: Ca sh Ma na g e me nt Ac c o unt - We b Bill  Ac c o unt info rma tio n fo r the L

iq uidity Ma na g e me nt

  • re po rting se rvic e s
  • intra -da y a c c o unt info rma tio n, ...

 Pa yme nts

  • do me stic & inte rna tio na l
  • SE

PA, I GP, …

RBI c o nside rs Pa yme nts a nd Ca sh Ma na g e me nt to b e pa rt o f its c o re b usine ss, b e c a use e ffic ie nt Ca sh a nd L iq uidity Ma na g e me nt is e xtre me ly impo rta nt fo r b o th na tio na l a nd inte rna tio na l c usto me rs in time s o f g lo b a lise d ma rke ts a nd inc re a sing c o mpe titio n.

slide-36
SLIDE 36

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Cash Manage me nt

I nte rna tio na lly a c tive c usto me rs e xpe c t so lutio ns tha t a c tive ly suppo rt the ir L iq uidity Ma na g e me nt a nd g ive the m the po ssib ility to o pe ra te Ca sh Ma na g e me nt wo rldwide o r o ptio na lly to c o nc e ntra te it in a tre a sury c e ntre .

Offe r for c ustome r s

 E

le c tro nic Ba nking a nd L iq uidity Ma na g e me nt

  • E

L BA MBS, CMI , CMI @ We b

  • Ce ntra l Co nve rsio n So lutio n
  • SWI

F T fo r Co rpo ra te s, ...

 L

  • c a l a nd x-b o rde r, e ffe c tive a nd no tio na l Ca sh

Po o ling so lutio ns

slide-37
SLIDE 37

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Car ds

I t is a lmo st impo ssib le to ima g e da ily life witho ut ma king c a rd pa yme nts. And the Austria n Ra iffe ise n Ba nking Gro up is the lo c a l numb e r 1 whe n it c o me s to the numb e r o f b a nk c a rds issue d (de b it c a rds, c re dit c a rds, pre pa id c a rds).

 Ca rdSe rvic e  Co rpo ra te Ca rds  Custo me r Ca rds  Ca rd T

e rmina ls

slide-38
SLIDE 38

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

RBI b a c ks up its pro duc t c a pa b ilitie s a nd sa le s e xpe rtise b y e xte nsive re se a rc h

T he Ra iffe ise n Re se a rc h te a m re le a se s re g ula r pub lic a tio ns c o ve ring issue s pe rta ining to :

 Austria , E

me rg ing E uro pe , Russia a nd CI S … a nd o the r ma jo r inte rna tio na l ma rke ts

RBI ha s a te a m o f ma c ro -a na lysts in Vie nna a nd the re g io na l ma rke ts, it is re pre se nte d in, pro viding c o mpre he nsive insig hts into ma rke t de ve lo pme nts

Re pre se nte d o n the E c o no mic Adviso ry Co mmitte e o f the I nstitute o f I nte rna tio na l F ina nc e

Re pre se nte d o n the Austria n Go ve rnme nt De b t Co mmitte e

www.ra iffe ise nre se a rc h.a t

Re se ar c h

slide-39
SLIDE 39

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Inte rna tiona l Corpora te Custome rs – CIS Russia , Ukr

a ine , Be la r us, Ka za khsta n

Anton Fisc Fischer

Head of Department Tel.: +43 1 717 07 1554 e-mail: anton.fischer@rbinternational.com

Yevhenii iia P a Patsiu siuk

Senior Relationship Manager

Tel.: +43 1 717 07 1089 e-mail: yevheniia.patsiuk@rbinternational.com

Anastasia S Simanek

Senior Account Manager

Tel.: +43 1 717 07 1878 e-mail: anastasia.simanek@rbinternational.com Raiffeisen B Bank I Internation ional A AG – A- 1030 Vienna – Am Stadtpark 9 – Phone +43-1-71707-0 –Fax +43-1-71707-1567 – Internet: www.rbinternational.at Swift Code: RZBA AT WW – Bank Sorting Code 31000

Volodymyr K r Karelin

Relationship Manager Tel.: +43 1 717 07 3227 e-mail: volodymyr.karelin@rbinternational.com

Dam amir M Mehic ic

Deputy Head of Department Tel.: +43 1 717 07 1488 e-mail:damir.mehic@rbinternational.com

Deborah R Robl

Account Manager Tel.: +43 1 717 07 1571 e-mail: deborah.robl@rbinternational.com

Iryna N Novikova va Account Manager

Tel.: +43 1 717 07 2931 e-mail: iryna.novikova@rbinternational.com

Tamara T Tskhovr vrebova Relationship Manager

Tel.: +43 1 717 07 1098 e-mail: tamara.tskhovrebova@rbinternational.com

Sanin M Mer erdza zan Relationship Manager

Tel.: +43 1 717 07 1481 e-mail: sanin.merdzan@rbinternational.com

slide-40
SLIDE 40

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Impor tant RBI Gr

  • up Par

tic ipations

slide-41
SLIDE 41

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Se le c te d RBI par tic ipations

 15 subsidiar

y banks, se ve ra l le asing c ompanie s a nd spe c ialise d financ ial se r vic e pr

  • vide r

s in 17 CE E mar ke ts

 Raiffe ise n Ce ntr

  • bank AG (e q uity ho use o f the g ro up a nd M&A spe c ia list)

 Kathr

e in & Co Pr ivatge sc häftsbank AG (Priva te Ba nking )

 Raiffe ise n Malta Bank plc .  ZUNO BANK AG (Dire c t b a nk)  Raiffe ise n Pr

  • pe r

ty Holding GmbH (Pro pe rty de ve lo pe r)

slide-42
SLIDE 42

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

F

  • unde d 1985 a s the fund ma na g e me nt c o mpa ny o f the Austria n Ra iffe ise n Ba nking Gro up

Asse ts unde r ma na g e me nt c a . €29b n (o f whic h c a . €20b n pro prie ta ry ma na g e me nt)

 19 % ma rke t sha re in Austria  20 % ma rke t sha re with institutio na l c lie nts in Austria  18 % ma rke t sha re with re ta il c lie nts in Austria  10 o f 19 Austria n pe nsio n funds a re RCM c usto me rs  330 e mplo ye e s 

F

  • re ig n b usine ss with a fo c us o n Ge rma ny, I

ta ly a nd Ce ntra l a nd E a ste rn E uro pe

Ke y c o mpe te nc e s:

Glo b a l a sse t a llo c a tio n (multi-a sse t c la sse s)

Glo b a l fixe d inc o me

E q uity ma na g e me nt with spe c ific e mpha se s suc h a s E uro pe , CE E a nd E me rg ing Ma rke ts ma rke ts

Additio na l c o o pe ra tio n with lo ng -e sta b lishe d ma na g e me nt pa rtne rs (to ta l vo lume o f a ppro x. € 1 b n)

Glo b a l e q uity funds a nd e q uity funds with a re g io na l e mpha sis

He dg e funds o f funds

Raiffe ise n Capital Manage me nt

slide-43
SLIDE 43

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Raiffe ise n Ce ntr

  • bank – T

he E quity House

Se c ur itie s T r ading & Sale s

L a rg e st ma rke t ma ke r a nd spe c ia list in Austria . Ma rke t le a de r in struc ture d pro duc ts in Austria (>3,500 pro duc ts). Hig h pla c ing po we r thro ug h do me stic a nd inte rna tio na l institutio na l inve sto rs a nd Austria ‘ s la rg e st re ta il ne two rk.

E quity Capital Mar ke ts

Struc turing a nd c a rrying o ut se c uritie s tra nsa c tio ns (e .g . I PO, SPO, c a pita l inc re a se , priva te pla c e me nt). Custo mise d c o nsulting se rvic e s in a ll ma rke t pha se s.

Me r ge r s & Ac quisitio ns

T he le a ding M&A a dviso r in Austria a nd the CE E re g io n.

Co mpany Re se ar c h

Re se a rc h c o ve ra g e fo r o ve r 100 c o mpa nie s. Co mpa ny Re se a rc h te a m with 32 a na lysts (16 the re o f c o ve ring CE E ).

Pr ivate Banking

Offe ring hig h-e nd inve stme nt c o nsulta nc y se rvic e s with a c le a r fo c us o n e q uity- re la te d a sse t ma na g e me nt.

slide-44
SLIDE 44

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

Str

  • ng T

r ac k Re c or d

Sinc e its fo und a tio n in the e a rly 1990s, Ra iffe ise n Inve stme nt AG (RIAG) ha s suc c e ssfully a d vise d o n mo re tha n 500 tra nsa c tio ns in the fie ld s o f M&A, priva tisa tio ns a nd re la te d fina nc ia l a d viso ry se rvic e s.

L

  • c al E

xpe r tise

F ro m its he a d q ua rte rs in Vie nna , C ma na g e s a stro ng ne two rk o f six sub sid ia rie s, fo ur re pre se nta tive

  • ffic e s a nd a fie ld o f a c tivity in 17 c o untrie s with a b o ut 70 pro fe ssio na ls in Austria a nd CE

E who ma inta in re la tio ns to lo c a l d e c isio n ma ke rs a nd a utho ritie s.

Industr y and Se c tor E xpe r tise

RIAG’ s se c to r b a se d a ppro a c h re sults in c o nta c ts to a ll ma jo r ind ustry pla ye rs a s we ll a s a d e e p und e rsta nd ing o f the re le va nt ma rke ts.

Pione e r ing E ffor ts in CE E

RIAG wa s a pio ne e r in mo st CE E c o untrie s o ffe ring fina nc ia l a d viso ry se rvic e s sinc e the e a rly 1990s. It ha s b e e n ma inta ining re la tio ns to g o ve rnme nts a nd lo c a l a nd re g io na l e nte rprise s e ve r sinc e .

Str

  • ng Ne twor

k Banks and F inanc ing Capabilitie s

RBI’ s stro ng pre se nc e in the CE E re g io n pro vid e s RIAG with the le ve ra g e o f a stro ng ne two rk o f c o mme rc ial b a nks. Clie nts b e ne fit fro m RBI’ s e xc e lle nt fina nc ing c a pa b ilitie s.

Raiffe ise n Ce ntr

  • bank AG –

L e ading M&A Advisor in CE E

Ce ntra l E uro pe M&A Adviso r

  • f the Ye a r in 2011

M&A Adviso ry F irm o f the Ye a r – Austria in 2010 M&A Adviso ry F irm o f the Ye a r – E uro pe in 2011 Inte rCo ntine nta l F ina nc e Ma g a zine HIGHL Y COMME NDE D – T OP T I E R - 2011 M&A Adviso ry F irm o f the Ye a r in CE E in 2011 M&A Adviso ry F irm o f the Ye a r in CE E in 2010 Inve stme nt Ba nk o f the Ye a r in Austria , F ina nc ia l Adviso ry F irm o f the Ye a r in Austria in 2010

slide-45
SLIDE 45

Co rpo ra te Pre se nta tio n April 2012 ‹# ›

K a thre in Priva tb a nk Aktie ng e se llsc ha ft is a n Austria n b a nk fo unde d 1923. T he b a nk ha s a ll the a dva nta g e s o f b e ing a sma ll, fle xib le , q uic k, a nd se rvic e o rie nte d priva te b a nk.

K a thre in is a sub sidia ry o f Ra iffe ise n Ba nk I nte rna tio na l AG, whic h e me rg e d fro m the me rg e r b e twe e n the o pe ra ting divisio ns o f Ra iffe ise n Ze ntra lb a nk AG a nd Ra iffe ise n I nte rna tio na l. Until Oc to b e r 2010, K a thre in wa s a 100 % sub sidia ry o f Ra iffe ise n Ze ntra l Ba nk AG.

K a thre in Priva tb a nk Aktie ng e se llsc ha ft fo c use s o n se rvic ing Austria n a nd inte rna tio na l trusts a nd fo unda tio ns, c o mpa nie s, a nd institutio na l inve sto rs (insura nc e c o mpa nie s, pe nsio n funds, e tc .).

K a thre in use s a pure ly q ua ntita tive inve stme nt pro c e ss within its po rtfo lio ma na g e me nt a c tivitie s.

K a thre in ha s e nte re d into stra te g ic pa rtne rships, with re no wne d inte rna tio na l pa rtne rs, fo r a ll a re a s no t c o ve re d b y the in-ho use po rtfo lio ma na g e me nt te a m. T he stra te g ic pa rtne rs a re the Russe ll I nve stme nt Co mpa ny (tra ditio na l e q uity funds, E me rg ing Ma rke ts, e tc .).

Kathr e in Pr ivatbank Aktie nge se llsc haft