RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG

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Kennzahlen Return on Equity vor Steuern 4,6 % -9,7 PP 14,3 % Konzern - Return on Equity 4,7 % -9,3 PP 14,0 % Konzern-Cost/Income Ratio 52,5 % 17,9 PP 34,6 % Ergebnis je Aktie in Euro 49,35 -65,3 % 142,06 Return on Assets nach Steuern 0,34 % -0,62 PP 0,96 % Risk/Earnings Ratio 27,6 % 14,3 PP 13,3 % Zusätzliche Informationen Mitarbeiterinnen und Mitarbeiter zum Bilanzstichtag 1.354 1,7 % 1.332 Geschäftsstellen 66 -1 67 1) Der RLB NÖ-Wien Konzern ist Teil des Konzerns der Raiffeisen-Holding NÖ-Wien. Eine Regelung bezüglich aufsichtsrechtlicher Eigenmittel für Tochterunternehmen, die einen Teilkonzern aufstellen, ist im österreichischen Bankwesengesetz (BWG) nicht enthalten. Daher haben die angeführten bankaufsichtlichen Kennzahlen gemäß BWG auf teilkonsolidierter Basis der Kreditinstitutsgruppe lediglich Informationscharakter. Hinweis: Bankaufsichtliche Kennzahlen, Kennzahlen und zusätzliche Informationen: ungeprüft 38
39 RISK FACTORS The following is a disclosure of the principal risk factors which are material to the Notes issued under the Programme in order to assess the market risk associated with the Notes. Prospective investors should consider these risk factors before deciding to purchase Notes issued under the Programme. Prospective investors should consider all information provided in this Prospectus and consult with their own professional advisers (including their financial, accounting, legal and tax advisers) if they consider it necessary. In addition, investors should be aware that the risks described may combine and thus intensify one another. The Issuer believes that the following factors may affect its ability to fulfil its obligations under Notes issued under the Programme. All/Most of these factors are contingencies which may or may not occur and the Issuer is not in a position to predict the likelihood of such contingency occurring. In addition, factors which are material for the purpose of assessing the market risks associated with Notes issued under the Programme are also described below. The Issuer believes that the factors described below represent the principal risks inherent in investing in Notes issued under the Programme. However, the inability of the Issuer to pay interest, principal or other amounts on or in connection with any Notes may occur for other reasons which may not be considered significant risks by the Issuer based on information currently available to it or which it may not currently be able to anticipate. Prospective investors should also read the detailed information set out elsewhere in this Prospectus carefully and reach their own views prior to making any investment decision. Prospective investors should read the entire Prospectus. Words and expressions defined in the "Terms and Conditions of the Notes" below or elsewhere in this Prospectus have the same meanings in this section. Investing in the Notes involves certain risks. In particular, an investment in Notes the premium and/or the interest on or principal of which is determined by reference to one or more values of currencies, commodities, rates of interest, funds, equities or other indices or formulae, either directly or indirectly, may entail significant risks not associated with similar investments in a conventional debt security. The Final Terms or supplements to the Prospectus in respect of a Series of Notes may contain additional Risk Factors in respect of such Series. Prospective investors should carefully consider the following investment considerations and the other information in this Prospectus before deciding whether an investment in the Notes of the Issuer is suitable. If any of the following risks actually occurs, the trading price of the Notes of the Issuer could be negatively affected and decline and an investor could lose all or part of its investment. Under the circumstances described below and, as the case may be, in the applicable Final Terms, prospective investors may lose the value of their entire investment or part of it. In respect of Notes which require in view of their specific structure a specific description of risk factors, the following statements are not exhaustive; risk factors in addition to those mentioned below will be described in the Final Terms relating to such Notes.
Page 1 and 2: This document constitutes two base
Page 3 and 4: 3 amended, and are subject to U.S.
Page 5 and 6: I. General 5 GENERAL DESCRIPTION OF
Page 7 and 8: Integrated Conditions 7 If the Fina
Page 9 and 10: 9 Subordinated Notes will have a mi
Page 11 and 12: Other provisions in relation to Flo
Page 13 and 14: Negative Pledge Events of Default a
Page 15 and 16: 15 Summary regarding Risk Factors S
Page 17 and 18: 17 Notes in advance. The more volat
Page 19 and 20: Raiffeisen-Bankengruppe Niederöste
Page 21 and 22: Regulatory Information 1) Risk-weig
Page 23 and 24: Stückelungen der Schuldverschreibu
Page 25 and 26: Raten- Schuldverschreibungen Inflat
Page 27 and 28: Equity Linked Schuldverschreibungen
Page 29 and 30: Drittverzug Platzierung Börsenzula
Page 31 and 32: • Tätigkeit in wettbewerbsintens
Page 33 and 34: Range Accrual Schuldverschreibungen
Page 35 and 36: Niederösterreich 35 Organe Vorstan
Page 37: 37 Friedrich-Wilhelm-Raiffeisen-Pla
Page 41 and 42: 41 significant parts of RZB's busin
Page 43 and 44: 43 According to the recent presiden
Page 45 and 46: 45 With its activities outside Aust
Page 47 and 48: Risk control and successful risk ma
Page 49 and 50: Fixed Rate Notes and Step-up and St
Page 51 and 52: 51 Covered Bonds (Fundierte Banksch
Page 53 and 54: 53 TERMS AND CONDITIONS OF THE NOTE
Page 55 and 56: 55 RAIFFEISENLANDESBANK NIEDERÖSTE
Page 57 and 58: 57 Denomination] for a Note in a de
Page 59 and 60: 59 determines as being the arithmet
Page 61 and 62: Notes. 61 (2) Accrual of Interest.
Page 63 and 64: 63 though such Holders may not be i
Page 65 and 66: 65 insert: Such partial redemption
Page 67 and 68: 2953 Luxembourg Luxembourg] 67 [RAI
Page 69 and 70: 69 combination, with another compan
Page 71 and 72: Debtor.]] [If the Notes are to prov
Page 73 and 74: 73 any price. Notes purchased by th
Page 75 and 76: 75 (TERMS AND CONDITIONS OF THE NOT
Page 77 and 78: 77 Bei Rückzahlung [oder Zahlung e
Page 79 and 80: 79 Bankschuldverschreibungen, die d
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Page 83 and 84: 83 [Sofern eine andere Methode der
Page 85 and 86: 85 Zinsberechnungszeitraum dividier
Page 87 and 88: 87 gegenüber den Gläubigern vorze
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89 Wahl-Rückzahlungstag(e) (Put) W
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Emissionsstelle: Citibank, N.A. Lon
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93 [Im Fall von nicht Nachrangigen
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[Im Fall von Fundierten Bankschuldv
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[Im Fall der Bestellung des gemeins
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99 verbriefenden Globalurkunde vor,
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101 If the Terms and Conditions pro
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103 dated 11 May 2012 as amended an
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105 Number of Notes to be issued in
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Floating Rate Notes 13 Variabel ver
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Zero Coupon Notes Nullkupon-Schuldv
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111 Minimum Redemption Amount [ ] M
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113 als die einfache Mehrheit - (Pr
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Eurosystem eligibility 28 EZB-Fähi
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[insert details here] [Einzelheiten
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[Specify details] [Einzelheiten ein
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Commissions 45 Provisionen 121 Mana
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123 [specify whether the relevant r
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125 - Consolidated profit for the y
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127 - Conversion of preference shar
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129 cooperation cost advantages for
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131 Net interest income after impai
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133 1.7 million members Raiffeisen
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135 Michael Rab Member of the Board
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137 Member of the Supervisory Board
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139 Sibylla Wachsler* Member of the
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141 Auditing of Historical Annual F
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143 covering at least the previous
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145 TAXATION The following is a gen
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Inheritance and Gift Tax 147 No inh
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149 costs; in both cases (amount re
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151 member states regarding interes
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153 Payments of interest or similar
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155 (d) Notes, other than Notes wit
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157 (b) it has only communicated or
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159 which a mortgage is registered
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161 NAMES AND ADDRESSES Issuer RAIF
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163 Joint Auditors of the consolida
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RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG

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