Living for the - Raiffeisen

Living for the
RLB NÖ-WIEN in 2011: AN OVERVIEW
FUTURE
Strength through Solidarity
125 years of Raiffeisen in Austria.
Firmly on Course
The RLB NÖ-Wien Group’s numbers at a glance.
Sustainability
Raiffeisen’s values: as modern now as they
were 125 years ago.

Working Together for Strength
As the central institution of Raiffeisen-Bankengruppe Niederösterreich-Wien
(the Raiffeisen Banking Group in Lower Austria and Vienna), Raiffeisenlandesbank
Niederösterreich-Wien (RLB NÖ-Wien) is also committed to the
cooperative identity of its owners: the Raiffeisen Banks in Lower Austria.
In economically challenging times, including 2011, the cooperative has proved
to be an ideal business model. Profit is not an end to itself but rather a benefit
for the cooperative’s many members especially the people living in the region.
2012, which is the International Year of the Cooperative, brings back into focus
Friedrich Wilhelm Raiffeisen’s core values: solidarity, subsidiarity, and
regionality. Raiffeisen in Austria lives these values the same today as it did
125 years ago. This commitment is felt by our customers, our employees and
our business partners.
Raiffeisen’s Jubilee in 2011:
The cooperative concept of the social reformer Friedrich
Wilhelm Raiffeisen (1818–1888) is as effective now as it
was when the first Austrian Raiffeisen Bank was set up in
Mühldorf near Spitz an der Donau (Lower Austria) in December
1886. Friedrich Wilhelm Raiffeisen summed up his ideas
with a simple principle: together we are stronger. This principle
has been valid in Austria´s Raiffeisen organization for 125
years.
For decades, Raiffeisen has been the backbone and engine
of the Austrian economy. The Raiffeisen Banking Group, including
RLB NÖ-Wien, as well as other cooperative enterprises
in the Raiffeisen organization have over it´s long history
become a driving force and pioneer of new market developments.
Retail Banking:
Currently, over 600 account managers are servicing
RLB NÖ-Wien’s customers at 66 branches and offices
in Vienna, including 48 retail banking branches,
seven private banking offices and six special centres for
trade and business customers. The Raiffeisen-Mitarbeiter-
Beratung (consultation) staff advisory units provide special
services at another five locations for companies belonging to
the Austrian Raiffeisen organization and their employees.
Due to its line of quality products and services, Raiffeisen
already has approximately 265,000 customers in Vienna,
holding a market share of approximately 13 percent. One in
three companies with a balance sheet of up to €5 million
is a customer, and every fifth entrepreneur in professional
services in Vienna is serviced by Raiffeisen Private Banking,
giving Raiffeisen in Vienna over 10,000 prime retail banking
customers.

Haugschlag
Reingers
Leopoldsdorf
Waldkirchen/Th.
Litschau
Kautzen
Dobersberg-Waldkirchen
Weikertschlag
Eisgarn Eggern
(Dobersberg)
Gastern
Karlstein/Thaya
Heidenreichstein
Thayatal-Mitte
Brand
(Raabs/Thaya)
Nagelberg
Seyfrieds
Amaliendorf
Waidhofen/Thaya
Aigen b. Raabs
Groß-Siegharts
Oberes Waldviertel
(Schrems)
Gmünd
Vitis
Ludweis
Hoheneich
Windigsteig
Schwarzenau
Dietmanns
Gmünd II
Hirschbach
Kirchberg am Walde
Göpfritz
Weitra Waldenstein
Irnfritz
Echsenbach
Süßenbach
Allentsteig
Groß-Globnitz
Schweiggers
St. Martin
Groß Schönau Jagenbach Oberstrahlbach
Bad Groß Pertholz
Pater Werner Deibl-Str.
Region Waldviertel Mitte
Industriestraße
(Zwettl)
Friedersbach
Langschlag
Krumau
Groß Gerungs
Rastenfeld
Kirchbach
Groß-Göttfritz
Niedergrünbach
Rappottenstein
Waldhausen
Gföhl
Grainbrunn
Lichtenau
Grafenschlag
Arbesbach
Groß Reinprechts
Sallingberg
Albrechtsberg
Purk
Altmelon
Els
Schönbach
Traunstein
Dürnstein
Ottenschlag-Martinsberg
(Ottenschlag)
Weissenkirchen
Kirchschlag
Rossatz
Bärnkopf
Mühldorf
Martinsberg
Raxendorf
Pöggstall
Laimbach
Maria Laach
Gansbach
Neukirchen/Ostrong
Weiten
Yspertal
Leiben Emmersdorf
St.Oswald
Münichreith
Hafnerbach
Artstetten
Mauer Prinzersdorf
MariaTaferl
Melk
Nöchling
Marbach
Region Melk
Gerersdorf
Krummnußbaum
(Pöchlarn)
Großsierning
Neustadtl
Privat Banking Loosdorf
St.Valentin-Haag
Persenbeug
Bahnhofstraße
Golling
(St.Valentin)
Erlauf
Ybbs
Ardagger Markt
St.Martin-Karlsbach
Hürm
Kemmelbach
Langenhart
Stephanshart
St.Georgen
Neumarkt/Ybbs
Wallsee
Viehdorf
Region
am Ybbsfelde
Eisenwurzen Region Mank
Strengberg
Zeillern Hauptplatz
Blindenmarkt (Wieselburg)
Oed
Leonhofen
Bischofstetten
Haag
Amstetten-Ybbs (Amstetten)
Mauer-Öhling
Hofstetten/
Allersdorf Ferschnitz
Kilb
Vestenthal
Pielach
Euratsfeld
Wolfsbach
Kirnberg
Haidershofen
Ulmerfeld-Hausmening
Im Mostviertel,
Steinakirchen
Oberndorf
Rabenstein
Aschbach
Purgstall
Neuhofen/Ybbs
Texing
Weistrach
St.Peter i.d.Au
Kematen/Ybbs
Biberbach Allhartsberg
St.Georgen/ Kirchberg/Pielach
Behamberg
Leys
Randegg
Rosenau
Gresten
Kleinraming
Böhlerwerk
Frankenfels
Reinsberg
Ybbstal
(Waidhofen/Ybbs)
St.Anton
Schwarzenbach
Ybbsitz
Im Vogelsang
Gaming
Türnitz
Opponitz
Hollenstein/Ybbs
Ybbs
Göstling/Ybbs
Lunz am See
Drosendorf
Riegersburg
Langau
Japons
Pleißing
Geras
Weitersfeld
Ottenthal
Retz-Pulkautal
Drasenhofen
(Retz)
Wildendürnbach
Unterretzbach
Pernegg
Obermarkersdorf
Neudorf
Seefeld-Kadolz
Theras
Wulzeshofen
Schrattenberg
Schrattenthal Haugsdorf Seefeld-Hadres (Hadres)
Falkenstein Herrnbaumgarten
Laa/Thaya
Pernersdorf
Reintal
Pulkau
Zellerndorf
Obritz Zwingendorf
Katzelsdorf Bernhardsthal
Sigmundsherberg
Alberndorf
Watzelsdorf
Unterstinkenbrunn
Kautendorf
Rabensburg
Röschitz
Poysdorf
Altlichtenwarth
Horn
Gaubitsch
Groß Harras
Guntersdorf
Roseldorf
Wullersdorf
Stronsdorf
Bernhardsthal-Großkrut-
Eggenburg
Nappersdorf
Hausbrunn
Altlichtenwarth Hauskirchen
Hohenau
Mittergrabern
(Großkrut) Prinzendorf Palterndorf-
Straning
Dobermannsdorf
Gars/Kamp
Sitzendorf
Gnadendorf Asparn/Zaya
Neusiedl/Zaya
Mistelbach
Niederschleinz
Wilfersdorf Maustrenk
Nieder-Absdorf
St. Leonhard/Hw.
Landespflege- u.
Ringelsdorf
Zistersdorf-Dürnkrut
Maissau
Pens.-Heim
Hollabrunn
Niederleis
(Zistersdorf) Eichhorn
Ravelsbach
Ladendorf
Drösing
Groß-Meiseldorf Ziersdorf
Herzogbirbaum
Groß-Inzersdorf
Sierndorf
Schönberg Mühlbach
Breitenwaida
Glaubendorf
Ernstbrunn
Obersulz
Jedenspeigen
Schrick
Hohenwarth
Niedersulz
Loidesthal
Großweikersdorf-
Oberkreuzstetten
Haindorf
Großmugl
Velm-Götzendorf
Wiesendorf-Ruppersthal
Gaweinstal
Dürnkrut
Spannberg
Lengenfeld Straß Großriedenthal (Großweikersdorf) Göllersdorf
Groß-Rußbach
Hochleithen
Im Weinviertel- Waidendorf
Nieder-Hollabrunn
Droß
Langenlois
Ruppersthal
Hautzendorf
Hohenruppersdorf
Bad
Engabrunn
Würnitz
Nieder-Rußbach
Pirawarth
Ebenthal
Senftenberg
Feuersbrunn
Sierndorf
Kirchberg/Wagram
Leitzersdorf
Groß-Schweinbarth Stillfried
Obergänserndorf Schleinbach
Ollersdorf
Krems
Haitzendorf Königsbrunn Stetteldorf/Wagram
Raggendorf Matzen
Rohrendorf
Rückersdorf Wolkersdorf
Auersthal-Bockfließ-
Stein/Donau
Grafenwörth
Leobendorf
Ulrichskirchen
Prottes
Absdorf Hausleiten
Gr.Schweinbarth
Stockerau Spillern
Groß-Ebersdorf Pillichsdorf
(Auersthal) Reyersdorf Angern
Furth
Enzersfeld
Korneuburg
Mautern
Großengersdorf Bockfließ
Traismauer
Laaer Str. Hauptplatz
Weikendorf
Gänserndorf
Paudorf
Tulln
Zeiselmauer
Hagenbrunn
Kritzendorf
Oberwölbling
Zwentendorf
Bisamberg
Klosterneuburg
Straßhof
Inzersdorf/Tr.
Sitzenberg
St. Andrä-
Heiligeneich
Wördern
Deutsch Wagram
Statzendorf Herzogenburg-Kapelln
Kierling Langenzersdorf
Langenrohr
Obersiebenbrunn Marchegg
(Herzogenburg)
Weißenkirchen/ Michelhausen
Weidling
Katzelsdorf
Karlstetten
Persching
Markgrafneusiedl Untersiebenbrunn
Kapelln
Neidling
Würmla
Mauerbach
Breitensee
Sieghartskirchen
Franziskanerg.
Viehofen
Murstetten
Pottenbrunn
Asperhofen
Gablitz
Leopoldsdorf i. M.
Lassee
Groß-Enzersdorf
Haringsee
Tullnerbach
Region St. Pölten
Neulengbach
Purkersdorf
Böheimkirchen
Wagram
Maria Anzbach
Wienerwald
Engelhartstetten
Josefstraße
(Pressbaum)
Tausendblum
Hainburg
Ober-
Eichgraben
Region Schwechat
Orth/Donau
Grafendorf Pyhra
Laab/Walde
Eckartsau
Wolfsthal
Kasten
Altlengbach Breitenfurt
Perchtoldsdorf/Wiener Gasse
St.Georgen/Steinfelde
Flughafen
Berg
Neustift-Innermanzing
Perchtoldsdorf/Mühlgasse
Maria
Fischamend
Petronell
Kaltenleutgeben Enzersdorf
Leopoldsdorf
Brunn a. G.
Maria Lanzendorf
Wilhelmsburg
Sulz Gießhübl
Enzersdorf a. d. Fischa
Laaben-Maria Anzbach
Biedermannsdorf
Südstadt
Himberg
Höflein
Prellenkirchen
Michelbach (Laaben)
Schwadorf
Klausen-Leopoldsdorf
Vösendorf Laxenburg
Alland
Bruck-Carnuntum
(Bruck/Leitha)
Gaaden b. Mödling
Mödling
Münchendorf
Gramatneusiedl Trautmannsdorf
Traisen St.Veit
•Guntramsdorf
Kaumberg
Pfaffstätten Gumpoldskirchen
Götzendorf/Leitha
Hainfeld
Altenmarkt/Triesting
Traiskirchen
Reisenberg
Region Baden
Trumau
Tribuswinkel
Mitterndorf/Fischa
Traisen-Gölsental
Oberwaltersdorf
Sooss
(Lilienfeld)
Tattendorf
Mannersdorf/Leithagebirge
Oberes Triestingtal
Bad Vöslau
Ebreichsdorf Unterwaltersdorf
Klein Zell
(Weißenbach/Triesting)
Gainfarn
Weigelsdorf Deutsch-Brodersdorf Hof/
Kottingbrunn
Leithagebirge
Günselsdorf
Wampersdorf
Grillenberg
Leobersdorf
Enzesfeld
Pottendorf
Rohr i.G.
Sollenau Ebenfurth
Hohenberg
Piestingtal
Theresienfeld
Miesenbach
Wöllersdorf
Eggendorf
Dreistetten
Zehnergürtel
Bad Fischau- Dr.Eckener- Lichtenwörth
St.Aegyd/Neuwald
Stollhof Brunn Gasse
Stadionstraße
Schwarzau im Gebirge
Winzendorf Wiener Neustadt
Weikersdorf/Steinfeld
Grünbach/Schneeberg
Würflach St.Egyden Katzelsdorf
Puchberg/Schneeberg
Lanzenkirchen
Neunkirchen-Schwarzatal Mitte
(Neunkirchen)
Walpersbach
Schwarzau
Ternitz
Bad Erlach
Pottschach
Pittental/Bucklige Welt
Wimpassing
Reichenau
(Pitten)
St.Valentin-Grafenbach
Payerbach-Reichenau-Schwarzau
Hochwolkersdorf
(Payerbach)
Scheiblingkirchen
Gloggnitz
Schottwien
Bromberg Schwarzenbach
Semmering
Warth
Wiesmath-Hochwolkersdorf
Kirchberg
Grimmenstein (Wiesmath)
Feistritz
Edlitz
Trattenbach
Lichtenegg
Hollenthon
St.Corona/Wechsel
Kamp
Schmida
Mönichkirchen
Göllersbach
NÖ-Süd Alpin
(Aspang)
Wien
Krumbach
Kirchschlag
Zöbern
i.d.B.W.
Bad Schönau
Hochneukirchen
Raiffeisen Banks
Raiffeisen Management Service
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Ysper
Erlauf
Thaya
Melk
Thaya
Pielach
Krems
Traisen
Pulkau
Perschling
Donau
Gölsen
Tu ln
Schwarza
Schwechat
Triesting
Pi ten
Piesting
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Zaya
Fischa
Leitha
Rusbach
RLB NÖ-Wien is the central institution of Raiff eisen-
Bankengruppe NÖ-Wien. It supports the 72 independent
Raiffeisen Banks in Lower Austria, providing them with a
broad range of products, services and advice. The range
of products and services is being continually updated and
improved on the basis of the mid-term goals of Raiffeisen-
Bankengruppe NÖ-Wien.
The Raiffeisen Banks in Lower Austria are the region’s foremost
local providers of financial services with a market
share of 42 percent and 545 branches. The Lower Austrian
Raiffeisen Banks have approximately 3,700 employees and
approximately 944,000 customers with an increase of 11,600
in the customer base during 2011.
The Lower Austrian Raiffeisen Banks’ numbers at December 31, 2011
December 31, 2011 +/(–) Change December 31, 2010
€m vs 2010, %) €m
Assets 19,519 2.38) 19,066
Primary deposit balances 15,400 2.35) 15,047
Loan portfolio 9,472 6.08) 8,928
Savings deposit balances 11,410 2.20) 11,165
Operating profit 172 13.74) 151
Operating profit in percent of assets 0.904 0.09) 0.814
Profit from ordinary activities 87 (10.02) 97
Profit from ordinary activities in percent of average assets 0.460 (0.06) 0.52
Tier 1 capital minus 50 percent of deductible items 1,348 5.09) 1,282
Tier 1 ratio, percent 12.44 1.95) 12.21
Own funds 1,615 3.36) 1,562
Own funds ratio, percent 14.91 0.27) 14.87
Total own funds requirement 866 3.08) 840
Own funds requirement for credit risk 793 3.38) 767
Number of Raiffeisen Banks 72 (2) 74
Number of branches 473 (1) 474
Number of banking outlets and offices 545 (3) 548
Employees 3,684 1.57) 3,627

The RLB NÖ-Wien Group’s IFRS Numbers
Monetary values are in €m 2011 Change 2010
2009
Consolidated Income Statement
Net interest income after impairment charge 149.5 (22.8%) 193.8 84.8
Net fee and commission income 67.6 2.8% 65.7 54.4
Net trading income (1.6) — 24.2 23.0
Profit from investments in entities accounted for
using the equity method 120.6 (53.0%) 256.4 129.3
General administrative expenses (187.1) 3.5% (180.7) ( 171.1)
Profit for the year before tax 107.6 (66.0%) 316.3 175.0
Consolidated net profit for the year 109.7 (64.5%) 308.6 170.9
Consolidated Balance Sheet
Loans and advances to other banks 10,915 (10.5%) 12,189 12,758
Loans and advances to customers 10,094 4.3% 9,680 8,696
Deposits from other banks 14,429 (9.2%) 15,899 15,883
Deposits from customers 7,294 3.2% 7,071 6,870
Equity (incl. profit) 2,272 (4.7%) 2,383 2,040
Consolidated assets 32,103 (1.8%) 32,683 31,699
Regulatory information 1
Risk-weighted basis of assessment 13,547 4.8% 12,930 12,567
Total own funds 2,033 11.3% 1,826 1,661
Own funds requirement 1,155 4.8% 1,102 1,063
Surplus own funds ratio 76.1% 10.3 ppt 65.8% 56.2 %
Tier 1 ratio (credit risk) 10.1% 0.4 ppt 9.7% 9.1%
Total Tier 1 ratio 9.4% 0.3 ppt 9.1% 8.6%
Total own funds ratio 14.1% 0.8 ppt 13.3% 12.5%
Performance
Return on equity before tax 4.6% (9.7 ppt) 14.3% 8.7%
Consolidated return on equity 4.7% (9.3 ppt) 14.0% 8.5%
Consolidated cost:income ratio 52.5% 17.9 ppt 34.6% 44.1%
Earnings per share, € 49.35 (65.3%) 142.06 77.90
Return on assets after tax 0.34% (0.62 ppt) 0.96% 0.58 %
Risk:earnings ratio 27.6% 14.3 ppt 13.3% 43.8 %
Additional information
Workforce on balance sheet date 1,354 1.7% 1,332 1,256
Branches and offices 66 (1) 67 70
1
The RLB NÖ-Wien Group is part of the Raiffeisen-Holding NÖ-Wien Group. Austria’s Bankwesengesetz (BWG: banking act) does not govern the regulatory own
funds of subsidiaries that make up a subgroup. The presentation of this regulatory information in accordance with BWG on the basis of partial consolidation within
the credit institution group (Kreditinstitutsgruppe) is therefore provided for informational purposes only.

Corporate Customers:
For six years, RLB NÖ-Wien has applied a successful model
in providing its corporate customers with comprehensive
advisory services called Mehr[Wert]Beratung or ‘Value Added
Consulting’. This model successfully contributes to the strategic
development of a large number of corporate clients in
2011. The business community values our costumer advisors.
This shows our stable demand for credit from RLB NÖ-Wien.
As a result, RLB NÖ-Wien’s corporate loan portfolio grew by
approximately 3 percent in 2011.
Since 2000 RLB NÖ-Wien has been working consistently
to support the development of renewable energy
into a strategic business unit in the corporate client
segment. RLB NÖ-Wien has financed a host of wind
power and photovoltaic projects in both the Centrope
region and Germany.
Financial Markets:
Customer confidence is maintained by RLB NÖ-Wien’s careful
market research, focused on a key number of products,
markets and customer and demand orientated sales activities.
RLB NÖ-Wien sold approximately €1 billion of its own
securities during 2011. The total of outstanding RLB NÖ-Wien
bonds issued increased by 5.25 percent or €243 million to
€4.9 billion. At the same time, savings deposit balances grew
well above the market average, increasing by 13.5 percent or
€306 million to €2.6 billion.
Recently, RLB NÖ-Wien’s strength was reaffirmed by Moody’s,
which confirmed its top A1 rating (long-term rating: A1; shortterm
rating: P-1; financial strength rating: C-). This is the very
best rating that any Austrian bank has currently, creating a
solid basis for continued cooperation with RLB NÖ-Wien’s
partner banks and correspondent banks in other countries.
Risk Management and Organization:
As a service provider, RLB NÖ-Wien strives to offer its customers
the best possible products, services and advice. To achieve
this, its risk management relies on active, stable and seamless
processes. Thanks to our business model as a ‘universal
bank’ with a high level of commitment to the customer, RLB
NÖ-Wien is well prepared to meet the challenges of the future
and the regulations that will be introduced by Basel III.
The European Banking Association (EBA) will require systemic
banks to have a minimum 9 percent core Tier 1 capital
ratio by the middle of 2012. Although it is not an EBA-requirement,
RLB NÖ-Wien already had a Tier 1 ratio of 9.4 percent
at the end of 2011.

Structure
RAIFFEISEN BANKS
IN LOWER AUSTRIA
Vorarlberg
Tirol
Styria
Carinthia
Salzburg Province
Burgenland
Upper Austria
RAIFFEISEN BANKS
REGIONAL RAIFFEISEN
BANKS
raiffeisen-holding
Nö-wien
raiffeisenlandesbank
NÖ-wien
RZB
Raiffeisen Zentralbank
RBI
Raiffeisen Bank International
EQUITY INVESTMENTS IN
THE FOLLOWING SECTORS
AND INDUSTRIES:
CoMPrehensive Financial
Services
Manufacturing
Renewable Energy
The Media
Services
Real Estate
EQUITY INVESTMENTS
in banks and
companies in
banking-related
fields
Österreichischer Raiffeisenverband
ÖSTERREICHISCHER RAIFFEISENVERBAND IS BOTH THE AUSTRIAN RAIFFEISEN GROUP’S
‘REVISIONSVERBAND’ (AUDITING ASSOCIATION) AND THE BODY THAT REPRESENTS ITS INTERESTS.
RAIFFEISEN BANKING GROUP
Raiffeisenkasse Banks and Raiffeisen Banks
MERCHANDISE COOPERATIVES
‘Lagerhaus’ Warehouses, RWA
MARKETING COOPERATIVES
Dairy Cooperatives, Winegrowers’ Cooperatives, etc.
OTHER COOPERATIVES
District Heating, Track Building, Grazing Cooperatives, etc.
Österreichischer
Raiffeisenverband
THE RAIFFEISEN GROUP
IN AUSTRIA
4 million Raiffeisen customers
2 million cooperative members
57,000 employees
1,600 autonomous cooperatives
Sustainability:
REGIONALIT Y
SECURITY
SUSTAINABILIT Y
Business, social and environmental responsibility are core
beliefs at Raiffeisen. Sustainability was already an integral part
of Friedrich Wilhelm Raiffeisen’s thinking when he created the
organization. Today, this translates into a modern strategy of
sustainability. In line with this mission, Raiffeisen goes further,
living a philosophy aimed at protecting and promoting the wellbeing
of the individual and the region where he or she lives. Its
central values are security, regionality and sustainability with
a principle of local deposits to be used as loans granted to
individuals and companies in the region.
RLB NÖ-Wien also supports protecting the environment
for future generations. As a consequence, it is a member
of the Raiffeisen Climate Protection Initiative set up as a
joint venture by the Raiffeisen organizations in Austria.
RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG
Friedrich-Wilhelm-Raiffeisen-Platz 1, A-1020 Vienna, Austria
Phone: +43 51700; Fax: +43 51700-901; e-mail: info@raiffeisenbank.at
Sort Code: 32000; S.W.I.F.T. Code: RLNW AT WW; Internet: http://www.raiffeisenbank.at
As in May 2012. Typesetting and printing errors excepted.