Living for the - Raiffeisen

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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.
Page 1 and 2: Living for the RLB NÖ-WIEN in 2011
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Living for the - Raiffeisen

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