balance sheet as of december 31, 2003 - Raiffeisenlandesbank ...

BALANCE SHEET AS OF DECEMBER 31, 2003
ASSETS 2003 2002
1. Cash in hand and balances with
central and post office banks 48,492,528.86 303,962,001.91
2. Treasury bills and other bills eligible for
refinancing with the central bank: 56,950,168.13 84,241,603.70
a) Treasury bills and similar securities 56,950,168.13 84,241,603.70
b) Other bills eligible for refinancing by central banks 0.00 0.00
3. Loans and advances to banks: 3,909,695,326.16 3,756,428,075.37
a) Repayable on demand 567,387,758.98 822,711,509.64
b) Other loans and advances 3,342,307,567.18 2,933,716,565.73
4. Loans and advances to customers 4,519,035,595.03 4,322,118,412.75
5. Debt securities and other
fixed-income securities: 1,301,671,502.38 1,163,698,622.64
a) From public-sector issuers 40,894,500.00 6,400,000.00
b) From other issuers 1,260,777,002.38 1,157,298,622.64
Amount in own debt securities 60,968,133.10 44,377,013.17
6. Equities and other variable-yield securities 165,967,451.99 140,781,833.33
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7. Shares in associated enterprises 72,045,794.49 67,620,256.06
Amount held in banks 52,763,806.34 48,978,317.38
8. Shares in group enterprises 504,807,759.99 502,040,418.30
Amount held in banks 0.00 0.00
9. Intangible fixed assets 17,442,163.58 17,267,160.16
10. Tangible fixed assets 11,248,209.48 12,002,462.40
Amount in land and buildings used by
the bank in its own business activities 1,522,424.51 1,578,182.03
11. Own shares and stakes in enterprises
where the bank has a controlling
or majority interest 274,690.00 273,020.00
Amount in nominal value 18,800.00 18,700.00
12. Other assets 536,270,130.49 358,462,440.05
13. Subscribed and called-up capital
not yet paid in 0.00 0.00
14. Prepayments, accrued and deferred income 21,356,726.22 14,654,019.03
TOTAL ASSETS 11,165,258,046.80 10,743,550,325.70
OFF-BALANCE-SHEET ITEMS
1. Foreign assets 1,529,814,903.74 1,610,775,591.66

LIABILITIES 2003 2002
1. Amounts owed to banks 4,231,750,682.39 4,216,822,278.25
a) Repayable on demand 1,923,159,092.08 2,110,477,244.03
b) With agreed maturities or notice periods 2,308,591,590.31 2,106,345,034.22
2. Amounts owed to customers 3,818,822,953.07 3,711,077,736.58
a) Savings deposits, including: 1,222,287,066.67 1,177,572,685.92
aa) Repayable on demand 0.00 0.00
bb) With agreed maturities or notice periods 1,222,287,066.67 1,177,572,685.92
b) Other liabilities, including: 2,596,535,886.40 2,533,505,050.66
aa) Repayable on demand 1,769,630,933.43 1,328,769,567.67
bb) With agreed maturities or notice periods 826,904,952.97 1,204,735,482.99
3. Liabilities evidenced by certificates 1,687,430,048.68 1,588,073,223.86
a) Debt securities issued 1,176,607,525.96 1,199,904,820.58
b) Other debts evidenced by certificates 510,822,522.72 388,168,403.28
4. Other liabilities 528,284,046.71 359,739,278.34
5. Accrued and deferred liabilities 28,564,258.20 22,549,918.94
6. Provisions 48,910,973.28 46,352,468.67
a) Provisions for severance payments 10,665,390.74 10,602,271.02
b) Provisions for pensions 13,756,409.76 12,289,431.69
c) Provisions for tax 165,000.00 165,000.00
d) Other 24,324,172.78 23,295,765.96
6.A General provisions for bad debt 0.00 0.00
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7. Subordinated liabilities 67,869,000.00 45,469,139.48
8. Supplementary capital 206,056,282.56 213,974,553.35
9. Subscribed capital 199,197,300.00 199,197,300.00
10. Capital reserves 181,700,795.68 181,700,795.68
a) Appropriated 181,700,795.68 181,700,795.68
b) Unappropriated 0.00 0.00
11. Revenue reserves 15,090,125.51 9,250,042.79
a) Statutory reserves 14,121,198.68 8,538,511.86
b) Reserves required under the articles of association 0.00 0.00
c) Other reserves 968,926.83 711,530.93
Amount appropriated under § 225 Austrian Comm. Code 274,690.00 273,020.00
12. Liability reserves under § 23 Par. 6 Austrian Banking Act 134,677,922.67 132,174,879.91
13. Profit and loss account 0.00 0.00
14. Untaxed reserves 16,903,658.05 17,168,709.85
a) Valuation reserve due to special depreciation allowance 16,463,668.01 16,464,223.71
b) Other untaxed reserves 439,990.04 704,486.14
aa) Unallocated 0.00 0.00
bb) Investment allowances under
§ 10 Income Tax Act 1988 439,990.04 704,486.14
cc) Unallocated 0.00 0.00
dd) Transfer reserve under § 12 Income Tax Act 1988 0.00 0.00
TOTAL LIABILITIES 11,165,258,046.80 10,743,550,325.70
Off-balance-sheet items - see next page

BALANCE SHEET AS OF DECEMBER 31, 2003
LIABILITIES 2003 2002
OFF-BALANCE-SHEET ITEMS
1. Contingent liabilities 352,836,550.37 320,084,019.91
Amount in:
a) Acceptances and endorsements
arising from discounted bills of exchange 0.00 0.00
b) Guarantees and other collateral security 352,657,635.37 319,905,104.91
2. Commitments 1,246,901,653.62 1,683,403,919.97
Amount in:
Liabilities from pension transactions 0.00 15,185,368.87
3. Liabilities from fiduciary activities 5,296,445.27 21,462,434.64
4. Eligible capital under § 23 Par. 14 673,277,344.47 619,483,447.47
Amount in:
Capital under § 23 Par. 14 No. 7 20,679,611.50 2,334,256.81
5. Capital required under § 22 Par. 1 456,029,736.84 418,176,600.90
Amount in:
Capital required under § 22 Par. 1 No. 1 and 4 432,589,282.49 415,842,344.09
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6. Foreign liabilities 799,742,752.37 679,212,188.26
7. Hybrid capital under § 24 Par. 2 No. 5 and 6 0.00 0.00

PROFIT AND LOSS ACCOUNT 2003
2003 2002
1. + Interest receivable and similar income 372,096,504.62 429,892,029.34
Amount from
Fixed-income securities 51,237,729.88 49,792,082.52
2. – Interest payable and similar expenses 284,502,626.20 335,478,278.21
I. NET INTEREST INCOME 87,593,878.42 94,413,751.13
3. + Interest from securities and equity interests 25,971,676.88 18,927,377.30
a) Income from equities, other equity stakes
and variable-yield securities 6,927,668.01 5,591,083.07
b) Income from associated enterprises 1,396,864.07 10,932,855.47
c) Income from group enterprises 17,647,144.80 2,403,438.76
4. + Fees and commissions receivable 63,252,851.40 55,387,350.02
5. – Fees and commissions payable 18,383,504.57 17,388,104.07
6. +/– Dealing income/expenses 7,253,067.14 4,680,789.57
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7. + Other operating income 13,682,132.88 16,049,345.30
II. OPERATING INCOME 179,370,102.15 172,070,509.25
8. – General administrative expenses 114,801,535.25 111,699,903.82
a) Personnel costs 63,587,970.96 58,842,417.59
Amount in:
aa) Wages and salaries 45,828,137.55 42,693,816.62
bb) Statutory social security contributions,
pay-related levies and
compulsory contributions 11,543,375.59 10,664,953.81
cc) Other employee benefits 1,050,687.90 1,026,148.19
dd) Pensions 3,635,672.13 3,986,443.60
ee) Allocations for pension provisions 1,466,978.07 317,005.86
ff) Allocations for severance payment provisions 63,119.72 154,049.51
b) Other administrative expenses 51,213,564.29 52,857,486.23
9. – Depreciation and amortization for
balance sheet asset items 9 and 10 5,465,861.99 7,393,760.91
10. – Other operating expenses 190,069.82 1,115,087.03
III. OPERATING EXPENSES 120,457,467.06 120,208,751.76
IV. OPERATING PROFIT 58,912,635.09 51,861,757.49
(carried forward to next page)

PROFIT AND LOSS ACCOUNT 2003
2003 2002
(carried forward)
IV. OPERATING PROFIT 58,912,635.09 51,861,757.49
11./12. +/– Balance of reversals of /
allocations to provisions for bad debt,
contingent liabilities and commitments – 30,116,237.40 – 28,436,089.50
13./14. +/– Balance of write-ups / write-downs
of securities classified as fixed
asset investments, and shares in associated
and group enterprises 1,453,959.81 702,961.20
V. PROFIT ON ORDINARY ACTIVITIES 30,250,357.50 24,128,629.19
15. + Extraordinary income 0.00 0.00
Amount in:
Withdrawals from reserves for bad/doubtful debt 0.00 0.00
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16. –Extraordinary expenses 0.00 0.00
Amount in:
Allocations to reserves for bad/doubtful debt 0.00 0.00
17. +/– Extraordinary profit
(sub-total of items 15 and 16) 0.00 0.00
18. – Taxes on income 0.00 165,000.00
19. – Other taxes not under item 18 7,283.82 181,941.04
VI. PROFIT / LOSS
AFTER EXTRAORDINARY ITEMS AND TAX 30,243,073.68 23,781,688.15
20. +/– Changes in reserves – 8,078,073.68 – 3,069,930.41
Amount in:
Allocations to liability reserves 2,503,042.76 0.00
Withdrawals from liability reserves 0.00 0.00
VII. PROFIT / LOSS
AFTER RESERVE MOVEMENTS 22,165,000.00 20,711,757.74
21. +/– Profit / loss carried forward 0.00 0.00
22. +/– Income allocated – 22,165,000.00 – 20,711,757.74
VIII. PROFIT / LOSS 0.00 0.00

NOTES ON THE ACCOUNTS*
A. ACCOUNTING POLICIES
The annual financial statements were drawn up in accordance with generally accepted accounting principles and with the
general requirements to present a true and fair view of the state of the company's assets, finances and earnings.
The accounting, valuation and reporting of individual items were carried out in accordance with the general provisions of
the Austrian Commercial Code, the Austrian Companies Act and the applicable sections of the Austrian Banking Act in
their respective current versions.
B. REPORT OF EARNINGS
A taxable entity was formed according to the earnings transfer contract between RAIFFEISEN-HOLDING
NIEDERÖSTERREICH-WIEN reg.Gen.m.b.H. (hereafter R-Holding) and RAIFFEISENLANDESBANK NIEDERÖSTERREICH-
WIEN AG (hereafter RLB AG). As a result of this agreement, the total annual profits of RLB AG were paid to R-Holding.
Therefore, the annual balance shows neither a profit nor a loss.
C. ACCOUNTING CONVENTIONS AND VALUATION METHODS APPLIED IN THE BALANCE SHEET
AND PROFIT AND LOSS ACCOUNT
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I. Assets and liabilities quoted in foreign currencies were entered as of the balance sheet date using ECB reference rates.
Foreign currency items where no ECB reference rate can be applied were quoted with market middle rates from reference
banks.
II.
To the extent that interest rate swaps, options, foreign exchange futures and other derivative instruments are not used in
hedging transactions treated for the purpose of valuation as part of underlying transactions, a portfolio value is applied,
that is, all similar financial instruments are grouped in portfolios. For each individual transaction in the portfolio, the current
market value is determined as of the balance sheet date. The resulting positive and negative market values are netted
out. If the overall market value of the portfolio is negative, a provision for this amount is entered in the balance sheet.
Financial derivatives held as trading assets are assessed at market value.
III. Securities held as financial assets are valued according to the modified lower-of-cost-or-market value principle. In accordance
with § 2 Par. 3 of Trustee Securities Regulations, securities serving as cover for trustee accounts are shown as part of
fixed assets and valued strictly at the lower of cost or market value.
In accordance with § 56 Par. 2 of the Austrian Banking Act, the premium on securities acquired above par and held as
financial assets is written down pro rata temporis.
No prorated write-ups are performed for securities acquired below par.
Unlisted securities held as current assets are valued strictly at the lower of cost or market value.
Listed securities treated as current assets are shown at market value.
*Disclosures subject to statutory reporting requirements

IV. Individual value adjustments or provisions are made for identifiable risks with respect to borrowers.
V. The option of choosing the form of valuation provided for under § 57 Par. 1 of the Austrian Banking Act was not exercised.
VI. Equity interests are valued at acquisition cost unless persistent losses or a reduction in equity require a write-down to fair
value as of the balance sheet date.
VII. Intangible fixed assets, land and buildings as well as fixtures, fittings and equipment are valued at acquisition or
construction cost less scheduled depreciation. Scheduled depreciation is applied on a straight-line basis. The rates of
depreciation vary between 2% and 33.3% for intangible assets, 2% and 4% for property, and 5% and 33.3% for movable
assets. Capitalized goodwill is amortized on the basis of conservative estimates of useful economic life between 2 and 15
years. Extraordinary depreciation is applied in cases of expected long-term impairment. Minor assets are written off
completely in the year of acquisition.
VIII. Premiums or discounts on issue are written back over the term of the debt. Other issuing expenses are written off
immediately.
56
IX. Pension obligations to pensioned employees are determined using an Ettl-Pagler table and an interest rate of 4.5%; standard
entry age methods are used to project benefit obligations. The transitional provisions set forth under Article X of the
Austrian Financial Reporting Act have not been applied.
Pension obligations to current employees are determined using a Pagler-Pagler table and a discount rate of 3.5%; standard
entry age methods are used to project benefit obligations. The calculation of provision values is based on the legal
pensionable age under applicable pension regulations for men and women.
There are also written, legally enforceable, irrevocable pension agreements for current employees in senior management
positions and other persons entitled to benefits. These entitlements have been transferred to the ÖPAG Pensionskassen
AG pension fund. Should pension assets be insufficient to fund the defined benefits at pensionable age, RLB AG is obliged
to make up the difference either in the form of continuing top-up pension payments or in the form of a lump-sum payment.
Since 2000, provisions have been made to cover such funding deficits. Provisions for current employees as of the balance
sheet date are calculated according to principles of investment mathematics using a Pagler-Pagler table and a discount
rate of 3.5%, and taking into account an average expected employment period. The calculation of provision values is based
on the legal pensionable age under applicable pension regulations for men and women. Obligations for entitled persons
with dormant or current pension claims who have already reached pensionable age are also entered at present value.

Severance payment obligations as of the balance sheet date are calculated according to the principles of investment
mathematics using a discount rate of 3.5% and taking into account the legal pensionable age under applicable law.
Employee turnover is now taken into account in the form of annual turnover rates for the premature termination of
employment relationships.
Obligations to pay anniversary bonuses are calculated according to the principles of investment mathematics in the same
way as severance payment obligations.
Other provisions are entered using reasonable and prudent business accounting principles to cover all recognizable risks
as of the balance sheet date as well as liabilities which are uncertain in terms of type and amount.
X. Liabilities are shown at the higher of original book value or the amount repayable.
D. NOTES ON THE BALANCE SHEET
I. Analysis of maturities
1. Breakdown of residual maturities for loans and advances to and balances with banks and non-banks not repayable on
demand (under § 64 Par. 1 No. 4 of the Austrian Banking Act):
57
Banks
Non-banks
EUR '000 2003 2002 2003 2002
a) Up to 90 days 1,483,454 1,341,156 1,814,128 1,813,677
b) 90 days to 1 year 1,358,730 831,896 392,604 472,915
c) 1 to 5 years 161,926 463,373 1,110,105 985,248
d) More than 5 years 338,198 297,292 1,006,069 770.824
2. Breakdown of residual maturities for amounts owed to banks and non-banks not repayable on demand (under § 64 Par.
1 No. 4 of the Austrian Banking Act):
Banks
Non-banks
EUR '000 2003 2002 2003 2002
a) Up to 90 days 697,484 803,154 896,839 1,285,642
b) 90 days to 1 year 1,354,774 1,108,151 332,913 369,666
c) 1 to 5 years 70,707 79,465 495,396 410,157
d) More than 5 years 185,626 115,575 324,044 316,843

3. Debt securities and other fixed-income securities maturing during the year following the balance sheet date (under § 64
Par. 1 No. 7 of the Austrian Banking Act):
EUR '000 2003 2002
a) Receivables from debt and other fixed-income securities 137,028 241,714
b) Liabilities arising from debt securities issued 220,797 265,383
II.
Securities
1. Breakdown of securities admitted to listing on an exchange under § 64 Par. 1 No. 10 of the Austrian Banking Act:
Listed
Unlisted
EUR '000 2003 2002 2003 2002
58
a) Debt securities and other
fixed-income securities 1,209,857 1,084,076 91,814 79,623
Equities and other
variable-yield securities 30,040 21,510 51,385 50,861
b) Shares in associated enterprises 0 0 0 0
c) Shares in group enterprises 0 0 0 0
2. Investments under § 64 Par. 1 No. 11 of the Austrian Banking Act:
Breakdown of listed securities treated as fixed assets and indicated under debt and other fixed-income securities as well
as equities and other variable-yield securities:
EUR '000 2003 2002
a) Debt securities and other fixed-income securities 352,031 107,596
b) Equities and other variable-yield securities 30,000 30,000
Assets were classified as fixed or current by the responsible bodies on a case-by-case basis.

III. Fixed assets
1. The development of fixed assets and a breakdown of depreciation amounts for the year in question are set out in the
statement of fixed assets (Annex 1).
2. The value of developed land is EUR 0 TSD (2002: EUR 0 TSD).
IV. Other assets
This item includes accrued interest receivable in the amount of EUR 482,125 TSD (2002: EUR 308,691 TSD) which does
not become due until after the balance sheet date.
V. Equity capital and similar liabilities
1. Disclosure under § 23 Par. 15 in conjunction with § 64 Par. 1 No. 6 of the Austrian Banking Act:
EUR '000 2003 2002
a) Supplementary capital 206,056 213,975
Amount bank-owned 2,351 5,905
b) Subordinated liabilities 67,869 45,469
Amount bank-owned 72 557
59
Supplementary capital is defined pursuant to § 23 Par. 7 of the Austrian Banking Act. Subordinated liabilities are defined
pursuant to § 23 Par. 8 of the Austrian Banking Act.
2. Disclosure under § 64 Par. 1 No. 5 and 6 of the Austrian Banking Act:
2.1. Subordinated liabilities
The subordinated capital indicated below was added during the reporting period and exceeds 10% of total subordinated
capital at the end of the previous business year:
EUR '000 Amount Interest rate Maturity Special call privilege
a) Subordinated 4% Raiffeisen
fixed-interest bond 2003-2009/3 27,869 4% March 27, 2009 None
b) Subordinated 5.33% Raiffeisen
fixed-interest bond 2003-2016/21
Issuer's call
Private placement 10,000 5.33% Nov. 7, 2016 privilege
Subordinated capital is defined pursuant to § 23 Par. 8 of the Austrian Banking Act. The bonds were issued as tap issues.

2.2. Supplementary capital
The supplementary capital indicated below was added during the reporting period and, in conjunction with the
subordinated capital listed under No. 2.1, exceeds 10% of the total subordinated capital at the end of the previous
business year:
EUR '000 Amount Interest rate Maturity Special call privilege
a) Raiffeisen supplementary capital floater
2003 –2013/18 3,128 *) Oct. 1, 2013 None
*) The nominal interest rate is set annually at 95% of the 5-year EUR swap rate after fixing by the ISDA on the basis of EURIBOR, after which it is rounded
off to two decimal places. The nominal interest rates for each interest period are set two banking days before the beginning of the respective period. Interest
is calculated in annual periods starting on October 1, 2003.
Subordinated capital is defined pursuant to § 23 Par. 7 of the Austrian Banking Act.
60
This bond was sold as a tap issue.
VI. Other liabilities
This item includes accrued interest payable in the amount of EUR 454,111 TSD (2002: EUR 279,859 TSD) which does
not become due until after the balance sheet date. The item also includes a liability in the amount of EUR 22,165 TSD
(2002: EUR 20,712 TSD) from the earnings transfer contract.
VII. Untaxed reserves
1. Valuation reserve arising from special depreciation allowances: Changes in valuation reserves are reported in Annex 2.
VIII. Supplementary information
1. The assets include EUR 1,844,723 TSD (2002: 2,150,124 TSD) in foreign currencies, and liabilities include
EUR 448,574 TSD (2002: 386,115 TSD) in foreign currencies.
2. Securities trading book
RLB maintains a securities trading book pursuant to § 2 No. 35 of the Austrian Banking Act.
The trading book positions consist of securities and other financial instruments. Standard instruments in inter-bank
transactions are not included.
The nominal value of fixed-income securities in the trading book as of the balance sheet date was EUR 48,928 TSD
(2002: EUR 14,685 TSD).
The portfolio also contains 80,251 shares (2002: 65,000) from various issuers with a value of EUR 963 TSD (2002: EUR
728 TSD).

Furthermore, the portfolio contains 14,965 shares (2002: 66,142) in various investment funds with a value of EUR 1,446
TSD (2002: EUR 7,515 TSD).
The other financial transactions in the trading book are reported below in accordance with § 64 Par. 1 No. 3 of the Austrian
Banking Act.
3. Disclosure under § 64 Par. 1 No. 3 of the Austrian Banking Act:
Nominal value of open forward transactions (derivatives transactions) as of the balance sheet date:
2003 NOMINAL AMOUNTS MARKET VALUES
Bank Trading
EUR '000 book book Total positive negative
Total of all open forward
exchange transactions 19,280,332 74,002,500 93,282,832 608,519 – 582,037
a) Interest rate contracts 17,098,964 64,495,294 81,594,258 237,000 – 207,108
(exchange traded contracts)
Futures – call
Futures – put 0 10,600 10,600 7
(OTC products)
Interest swaps 16,638,438 64,314,694 80,953,132 235,277 – 205,073
Forward rate agreements (FRAs) - call 158,353 80,000 238,353 – 115
Forward rate agreements (FRAs) - put 158,353 90,000 248,353 145
Interest options – call contracts 45,903 0 45,903 1,571
Interest options – put contracts 97,917 0 97,917 – 1,920
b) Foreign exchange contracts 2,142,091 9,503,208 11,645,299 370,494 – 373,927
(OTC products)
Currency futures 69,988 95,851 165,839 7,713 – 7,408
Currency and interest
rate swaps 1,946,091 8,026,155 9,972,246 342,595 – 347,586
Currency options – call contracts 63,006 730,112 793,118 20,186
Currency options – put contracts 63,006 651,090 714,096 – 18,933
c) Securities-related transactions 39,277 3,998 43,275 1,025 – 1,002
(OTC products)
Equity/index options – call contracts 19,883 1,999 21,882 1,025
Equity/index options – put contracts 19,394 1,999 21,393 – 1,002
61

2002 NOMINAL AMOUNTS MARKET VALUES
Bank Trading
EUR '000 book book Total positive negative
Total of all open forward
exchange transactions 24,366,989 1,373,851 25,740,840 359,815 – 295,566
62
a) Interest rate contracts 19,588,329 374,379 19,962,708 251,989 – 185,472
Interest swaps 18,882,156 374,379 19,256,535 251,705 – 184,549
Forward rate agreements (FRAs) - call 50,000 50,000 66
Forward rate agreements (FRAs) - put 512,278 512,278 – 40
Interest options – call contracts 14,314 14,314 218
Interest options – put contracts 129,581 129,581 – 883
b) Foreign exchange contracts 4,703,273 999,472 5,702,745 101,519 – 103,439
(OTC products)
Currency futures 71,272 71,272 2,543 – 2,354
Currency and interest
rate swaps 4,546,949 4,546,949 86,343 – 88,636
Currency options – call contracts 42,526 501,483 544,009 12,633
Currency options – put contracts 42,526 497,989 540,515 – 12,449
c) Securities-related transactions 75,387 75,387 6,307 – 6,655
(OTC products)
Equity/index options – call contracts 37,545 37,545 6,307
Equity/index options – put contracts 37,842 37,842 – 6,655
All of the instruments indicated are traded both for the bank's own account and for customers.
4. As of the balance sheet date, the item amounts owed to customers included EUR 2,663,592.00 (2002: EUR
2,496,534.44) in trustee savings deposits.

5. Assets pledged as collateral pursuant to § 64 Par. 1 No. 8 of the Austrian Banking Act
As of the balance sheet date, fixed-income securities with a nominal value of EUR 130,840 TSD (2002: EUR 109,567
TSD) and loans and advances amounting to EUR 160,514 TSD (2002: EUR 30,491 TSD) were pledged as collateral for
the following transactions:
EUR ‘000 2003 2002
Loans and advances assigned in favor of the European Investment Bank 96,584 0
Reserve stock for funded bonds issued 75,285 67,162
Bonds deposited at the ÖKB as a clearing link for German Stock Exchange (Xetra trading) 23,000 3,000
Bundesanleihe pledged in favor of R-Wohnbaubank AG 15,261 15,261
Guarantee for derivatives trading at Barclays Bank, London (cash depot) 14,930 8,050
Guarantee for derivatives trading at the Royal Bank of Scotland, London (cash depot) 14,480 441
Guarantee for derivatives trading at Westdeutsche Landesbank,
Dusseldorf (cash depot) 9,932 10,761
Guarantee for derivatives trading at J.P. Morgan Securities Ltd, London (cash depot) 9,000 9,000
ARTIS deposit at the Austrian National Bank (OeNB) 7,878 16,962
Loans and advances assigned in favor of the Österr. Kontrollbank AG 7,974 2,239
Reserve stock for savings deposits held in trustee accounts 7,599 6,082
Guarantee for derivatives trading at BNP Paribas S.A., Paris (cash depot) 4,620 0
Guarantee for derivatives trading at Credit Suisse First Boston, London (cash depot) 2,140 0
Deposit arranged in favor of the Österr. Kontrollbank AG 1,817 1,100
Initial margin for futures at J.P. Morgan Securities Ltd, London (cash depot) 854 0
63
E. NOTES ON THE PROFIT AND LOSS ACCOUNT
I. Expenses pursuant to § 64 Par. 1 No. 13 of the Austrian Banking Act in relation to subordinated liabilities and
supplementary capital amounted to EUR 15,216 TSD (2002: EUR 16,248 TSD).
II. Other operating income and expenses in the profit and loss account include the following material income and expenditure
items under § 64 Par. 1 No. 12 in conjunction with § 237 No. 5 of the Austrian Banking Act:
Expenses
Income
EUR '000 2003 2002 2003 2002
Raiffeisen group services 7,763 9,738
Reimbursed staff expenses 2,869 2.784
Profit on sales of fixed assets 0 343
Book value of surrendered tangible
and intangible fixed assets 124 146
Solidarity association (Solidaritätsverein) 0 482

F. SUPPLEMENTARY INFORMATION
I. The average number of employees was as follows:
2003 2002
Salaried 900.04 883.03
Non-salaried 0.00 0.00
II.
Loans to members of the Management Board and Supervisory Board
64
As of December 31, 2003, outstanding loans to members of the Management Board totaled EUR 135 TSD (2002: EUR
163 TSD). Loans and advances to members of the Supervisory Board totaled EUR 161 TSD (2002: EUR 158 TSD).
There were no liabilities under guarantee for these persons. Amounts lent to the Supervisory Board include loans and
advances to employees delegated to the Supervisory Board by the Works Council. The maturities and terms of these loans
conform to normal banking practices. In the year in question, members of the Management Board repaid EUR 29 TSD
(2002: EUR 27 TSD), while members of the Supervisory Board repaid EUR 24 TSD (2002: EUR 10 TSD).
III. Expenses for severance payments and pensions
Expenses for severance payments and pensions relate to the following profit and loss account items: Wages and salaries,
pension expenses, allocations to provisions for pensions and allocations to provisions for severance payments, in addition
to the one-off contribution to the ÖPAG pension fund.
Expenses for severance payments and pensions for senior management amounted to EUR 4,740 TSD (2002: EUR 1,696
TSD), and for other employees EUR 1,080 TSD (2002: EUR 3,984 TSD).
Senior management is defined pursuant to § 80 Par. 1 of the Austrian Companies Act.
IV. Management Board and Supervisory Board emoluments
Emoluments paid to members of the Management Board amounted to EUR 1,055 TSD for the year in question. A total
of EUR 50 TSD (2002: EUR 37 TSD) was paid to members of the Supervisory Board. Total remuneration to former executive
officers (of RLB reg.Gen.m.b.H.) and their surviving heirs amounted to EUR 776 TSD (2002: EUR 743 TSD).
V. Members of the Management and Supervisory Boards - see next page.

GOVERNING BODIES
MANAGEMENT BOARD
SUPERVISORY BOARD
Chairman:
Chairman:
Christian KONRAD
Peter PÜSPÖK
Deputy Chairman:
Deputy Chairman:
Johann VIEGHOFER
Robert GRUBER
Members:
Managing directors:
Georg KRAFT-KINZ
(since July 1, 2003)
Gerhard REHOR
(since July 1, 2003)
Anton BODENSTEIN
Erwin CSAR
Leopold DANZER
Franz HUBINGER
Gerhard PREISS
Christian RESCH
65
Delegated by the Works Council:
Harald KERN
Anton HECHTL
Wolfgang EINSPIELER
Sibylla WACHSLER
State Commissioners:
Alfred LEJSEK
Silvia ZENDRON

STATEMENT OF FIXED ASSETS 2003
Acquisition/
construction Post-hoc
costs as of change Additions Disposals
Fixed assets Jan. 1, 2003 in A/C costs in 2003 in 2003
Securities
Assets 2 a
Assets 3 b
Treasury bills and
similar securities 57,077,613.01 7,000,000.00 30,110,085.99
Other loans and
advances to banks 1,453,456.68 6,500,000.00 1,453,456.68
Assets 4 Loans and advances to customers 1,977,000.00 5,542,359.46
Assets 5
Debt securities and
other fixed-income securities:
a) From public-sector issuers 6,748,600.00 19,636,000.00
b) From other issuers 101,331,579.25 314,089,234.74 89,381,397.17
66
Assets 6
Equities and other
variable-yield securities 30,000,000.00
Securities subtotal 198,588,248.94 – 0.00 352,767,594.20 120,944,939.84
Participating interests
Assets 7 Shares in associated companies 67,732,526.20 4,459,543.93 13,422.50
Amount held in banks 49,090,524.24 3,806,070.96
Assets 8 Shares in group enterprises 502,317,685.59 2,889,402.33 105,000.00
Amount held in banks 0.00 0.00 0.00
Assets 4
Undisclosed interests included in
loans and advances to customers 6,540,555.08
Assets 11 Own shares or stakes 273,020.00 1,670.00
Participations subtotal 576,863,786.87 – 0.00 7,350,616.26 118,422.50
Assets
Assets 9
Intangible
fixed assets 32,530,711.32 3,162,522.74 57,277.84
Assets 10 Tangible fixed assets 27,644,158.05 – 16,291.41 1,885,305.59 2,222,896.89
Amount in land and buildings
used by the bank
in its own business activities 1,900,473.36 196,547.41 58,000.00
Assets
subtotal 60,174,869.37 – 16,291.41 5,047,828.33 2,280,174.73
Total 835,626,905.18 – 16,291.41 365,166,038.79 123,343,537.07

Acquisition/
Annual
construction Book value Book value depreciation
Transfers costs as of Cumulative as of from in business
in 2003 Dec. 31, 2003 Write-ups depreciation Dec. 31, 2003 previous year year
33,967,527.02 0.97 33,967,526.05 56,921,173.26
6,500,000.00 6,500,000.00 1,453,456.68
7,519,359.46 7,519,359.46 1,977,000.00
26,384,600.00 348,600.00 26,036,000.00 6,400,000.00
326,039,416.82 44,257.42 325,995,159.40 101,196,407.78 43,240.00
30,000,000.00 30,000,000.00 30,000,000.00
0,00 430,410,903.30 0.00 392,858.39 430,018,044.91 197,948,037.72 43,240.00
67
– 1,00 72,178,646.63 132,852.14 72,045,794.49 67,620,256.06 20,582.00
52,896,595.20 132,788.86 52,763,806.34 48,978,317.38 20,582.00
1,00 505,102,088.92 294,328.93 504,807,759.99 502,040,418.30 17,061.64
0,00 0.00 0.00 0.00 0.00 0.00
6,540,555.08 1,146,486.28 5,394,068.80 5,813,826.81 419,758.01
274,690.00 274,690.00 273,020.00
0,00 584,095,980.63 0.00 1,573,667.35 582,522,313.28 575,747,521.17 457,401.65
35,635,956.22 18,193,792.64 17,442,163.58 17,267,160.16 2,986,398.25
27,290,275.34 2,565.58 16,044,631.44 11,248,209.48 12,002,462.40 2,482,029.32
2,039,020.77 516,596.26 1,522,424.51 1,578,182.03 208,804.93
0,00 62,926,231.56 2,565.58 34,238,424.08 28,690,373.06 29,269,622.56 5,468,427.57
0,00 1,077,433,115.49 2,565.58 36,204,949.82 1,041,230,731.25 802,965,181.45 5,969,069.22

STATEMENT OF VALUATION RESERVES 2003
As of Changes due A Additions (+) Withdrawal (–) As of
Jan. 1, 2003 to restructuring D Disposals (–) Dec. 31, 2003
(+/–) T Transfers (+/–)
Participations under
§ 12 Income Tax Act 1988
Assets 7
Shares in associated companies 830,072.88 830,072.88
Amount in banks 827,482.07 827,482,07
Assets 8
Shares in group enterprises 15,496,054.63 15,496,054.63
Participations subtotal 16,326,127.51 – 0.00 0.00 0.00 16,326,127.51
Assets under
§ 8 Income Tax Act 1988
68
Assets 10
Tangible fixed assets 229.48 – 124.80 104.68
Amount in land and buildings
used by the bank
in its own business activities 0.00 0.00
Assets under
§ 12 Income Tax Act 1988
Assets 10
Tangible fixed assets 137.866.72 D – 141.82 – 289.08 137,435.82
Amount in land and buildings
used by the bank
in its own business activities 0.00 0.00
Assets subtotal 138,096.20 – 0.00 – 141.82 – 413.88 137,540.50
Total 16,464,223.71 – 0.00 – 141.82 – 413.88 16,463,668.01

CONFIRMATION OF THE MANAGEMENT BOARD
The Management Board approved this annual report during a board meeting on February 23, 2004.
THE MANAGEMENT BOARD
Chairman of the Management Board
Peter PÜSPÖK
Managing Director
Georg KRAFT-KINZ
Deputy Chairman
Robert GRUBER
Managing Director
Gerhard REHOR
AUDITOR'S CERTIFICATE
As there are no objections to report, the auditors grant an unrestricted audit certificate in accordance with § 274 Par. 1
of the Austrian Commercial Code to the unabbreviated German version of
RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG's annual report as of December 31, 2003.
After due examination, we certify that the accounting practices and annual financial statements comply with applicable legal regulations.
The financial statements provide a true and accurate picture of the company's assets, finances and earnings in accordance with
generally accepted principles. The operational review is consistent with the annual financial statements.
Vienna, March 8, 2004
ÖSTERREICHISCHER RAIFFEISENVERBAND
Olaf FUCHS
Association auditor
Manfred OEBEL
Association auditor, public accountant
69
EXTERNAL AUDITOR'S CERTIFICATE
We have audited the annual financial statements and books of RAIFFEISENLANDESBANK NIEDERÖSTERREICH-WIEN AG
as of December 31, 2003 according to applicable regulations in Austria. The preparation and content of these financial statements
are the sole responsibility of the legal representatives of the company. Our responsibility lies in providing an audit statement
for these accounts on the basis of our audit.
We have audited these financial statements according to current Austrian regulations and business practices. These principles
set out that the audit be planned and carried out in order to provide an accurate judgment of whether the report is free of
false material statements. The audit was completed using random sampling to verify the amounts and other entries provided
in the financial statements, along with an assessment of the accounting principles applied and essential estimates made by
the company's legal representatives, as well as an approval of the financial statements' overall content.
We are of the opinion that our audit gives a reasonable basis for the auditor's judgment. As a result of the audit carried out,
we hereby grant the following unrestricted audit certificate:
"According to our audit, the bookkeeping records and financial statements comply with applicable legal regulations.
The financial statements provide a true and accurate picture of the company's assets, finances and earnings in accordance with
generally accepted principles. The operational review is consistent with the annual financial statements."
Vienna, March 8, 2004
ERNST & YOUNG
WIRTSCHAFTSPRÜFUNGS- UND STEUERBERATUNGSGESELLSCHAFT MBH
Alfred BROGYÁNYI
Auditor
Friedrich O. HIEF
Auditor
In accordance with § 277 Par. 2 of the Austrian Commercial Code, the financial statements will also be published
in the Official Gazette of the Wiener Zeitung and in the Raiffeisen Zeitung.

70
OUR 951 EMPLOYEES:
A
Harald Adler • Yvonne Adler • Martin Aescht • Hengameh Afsharpour • Franz Ahrer • Johann Aixberger • Margit Alleithner • Reinhard Altenburger • Johann Amon • Ursula
Amster • Stefan Angster • Erhard Aniwandter • Andreas Appel • Ewald Artacker • Manfred Aschauer • Monika Assfall • Erwin Atzmueller • Otto Auer • Wolfgang Ausobsky B
Claudia Bachofner • Erika Bachtrod • Edith Baek • Eva Maria • Baier Silvia Bammer • Andreas Bauer • Reinhard Bauer • Georg Bauer • Sabine Bauer • Petra Baumgartner
Klaudia Baumgartner • Claudia Bayer • Silvia Bayr • Thomas Beinhart • Karina Beisser • Caroline Beneder • Ursula Beran • Alice Berariu • Isabella Bergaus • Marianne Berger
Waltraud Berger • Gabriele Berger • Sabine Berger • Barbara Berghold • Pia Bergmann • Peter Bergner • Eva Bermann • Johannes Bernsteiner • Andrea Bernsteiner • Markus
Berthold • Isabella Bertolas • Joerg Bestmann • Alexandra Beudel • Dieter Biegel • Maria Gabriele • Bilger Gabriele Bilina • Eva-Maria Binder • Helga Binder • Susanne Binder
Josef Binder-Geroe • Guenther Bitterhof • Sarita Bittlingmayer • Maria Blazek • Guenther Bleininger • Petra Bluemel • Wolfgang Boehm • Patrick Boehm • Guenther Boehnisch
Alfred Boes • Jochen Bonk • Josef Brandenberger • Karin Brandstetter • Cornelia Brandtner • Gunnar Braun • Thomas Braunseis • Walter Braunsteiner • Gerda Braunsteiner
Jeaninne Breiner • Hildegund Brenner • Walter Bretschneider • Mathias Breuer • Beate Brodmann • Gitta Bronneck • Gerd Bruckner • Manuela Brunhuber • Sabrina Bubik
Anita Buchgraber • Arnold Buchinger • Josef Buchleitner • Reinhard Buchmayer-Exl • Wolfgang Buchwieser • Alraune Buhl • Josef Buhl • Sabina Bukowski • Roland Bukowsky
C
Sonja Cabak • Gabriela Caltik • Karin Candussi • Alexander Casapicola • Irma Cerkez • Bernd Chory • Sylvia Cimbal • Alexander Clausen • Renate Conrad • Norbert Czizek
Gertrude Czvitkovich D Matthias Danzinger • Konrad Darrer • Dieter Denk • Josef Deutenhauser • Karin Deutsch • Josef Devich • Michaela Diem • Maria Dierl • Wilhelm
Dippolt • Thomas Direder • Martin Dirnberger • Birgit Dirnberger • Regina Dobner • Rita Dobrohruschka • Ilse Dobrowa • Heinz Donath • Theresia Doninger • Walter Doppler
Nicole Dorn • Monika Drechsler • Martina Dutka • Sonja Dvorak • Gabriele Dworak E Andreas Eberhardt • Markus Ecker • Ingrid Eckhardt-Kral • Margarete Eder • Roland
Eder • Barbara Eder • Christian Eder • Johann Eder • Maria Ederer • Sabine Ehm • Robert Eichinger • Wolfgang Einspieler • Heinz Elsinger • Sabine Endres • Raimund Enengl
Gabriele Enter • Stefan Enzi • Josef Erber • Thomas Erhart • Renate Erker • Albert Ertl • Alexander Exner F Richard Farnik • Sabine Fekete • Susanne Feldhofer • Karin
Fesl Harald Feucht • Monika Fiala • Monika Fischer • Beate Fischer • Robert Fischer • Marco Fischer • Ingrid Fister • Walpurga Flandorfer • Silvia Flenner • Peter Foerster
Sebastian Forbach • Roland Forstner • Christine Frank • Rosanna Frauneder • Gertrude Frauwallner • Christina Frey • Barbara Friedberger • Markus Fritz • Werner Froehlich
Mario Fromwald • Martha Fuchs • Edith Fuchs • Markus Fuchs • Yvonne Fuchs • Klaus Fuchs • Horst Fuehrer • Brigitte Fuernkranz • Helmut Fuerst • Johannes Futschek G Peter
Gaider • Bettina Galbavy • Margareta Gansterer • Barbara Gartler • Sandra Geberth • Martina Geebauer • Tim Geißler • Johann Gepperth • Peter Gerhard • Edeltraud Geyer
Katharina Geyer • Christiane Gfrerer • Gaston Giefing • Sabine Giefing • Harald Glasl • Adele Gligo • Karin Gloger • Barbara Gmeiner • Alfred Goetsch • Tina Goetz-Bandin
Gertraude Goetzinger • Andreas Gogl • Theresia Gollner • Roswitha Gottlieb • Christina Grabatsch • Gundula Grabmaier • Michael Graf • Reinhold Graf • Claudia Graf • Alexandra
Grafendorfer • Silvia Grass • Gerhard Grass • Irmgard Grass • Wolfgang Grasser • Alfred Greimel • Karin Groiss • Heinz Gromes • Karl Gross • Claudia Gross • Reinhold
Grossebner • Georg Grosskopf • Erwin Grossmaier • Manfred Gruber • Guenter Gruber • Robert Gruber • Johann Gruber • Walter Gruen • Guenther Grueneis • Karl Gschwindl
Sabine Gube • Andrea Guca • Andreas Gugl H Guenther Haas • Marion Haberl • Ute Haberl • Simone Haberreiter • Irene Hahnl • Herwig Haidn • Herbert Haindl • Andrea
Hainthaler • Friedrich Hainzl • Alexandra Hajek • Manfred Hammer • Matthias Hanifl • Daniela Hanisch • Christian Hanni • Wilfried Hanreich • Karl Hanzl • Christian Hanzl • Elisabeth
Harant • Renate Harrauer • Susanne Haschka • Christa Haslauer • Michael Haunold • Guenter Hauptmann • Anita Hauser • Maria Haydn • Ingrid Hazdra-Choura • Anton Hechtl
Michael Heger • Martina Heidl • Bernd Heidrich • Karin Heiling • Birgit Heiter-Habermann • Michaela Hellein • Patrick Hellmich • Ingrid Henein-Hanke • Franz Heneis • Stefan
Hergeth • Andreas Hermann • Robert Herrmann • Verena Herrmann • Peter Hief • Johannes Hiesberger • Barbara Himmelmaier • Christine Hinterreither • Ursula Hirschvogl • Angelika
Hoche • Julia Hochfelsner • Andrea Hochmann • Thomas Hochsteger • Werner Hocke • Martina Hoefner • Josef Hoeglinger • Inge Hoeller • Christian Hoelzl • Elisabeth Hoerler
Franz Hofbauer • Claudia Hofbauer • Doris Hofbauer • Michael Hofer • Ulrike Hofer • Irmgard Hofer • Eva Hofer • Sandra Hofer-Gerdenitsch • Gernot Hoffelner • Birgit Hoffmann
Martha Hoffmann • Sandra Hoffmann • Anna Hofmann • Stefan Hofmann • Birgit Hofmann • Wolfgang Hofstetter • Gerda Hofstoetter • Karin Hohenegger • Astrid Hollstein • Antonio
Holoubek • Sonja Holubar • Josef Holzer • Rosita Hons • Andreas Hopf • Ingrid Hoppel • Gabriela Horak • Robert Horak • Manfred Horer • Susanne Horvath • Karin Houszka
Claudia Hrobacz • Wolfgang Hrobar • Christian Hubeny • Andrea Huber • Sabine Huber • Wolfgang Huber • Alexander Hubinger • Karoline Hudak • Ferdinand Huetter • Erich
Huettmair • Katharina Huger • Stephanie Hummer • Martina Hums • Sabine Hurter I Petra Ignatovski • Johann Immervoll • Markus Indrak • Karl Infanger • Sonja Ivanovsky-
Schoenborn J Helmut Jaklitsch • Franz Jakob • Renate Jaksch • Elke Jandrisevits • Johann Janecek • Martin Janko • Jutta Jankovic • Ernst Janosik • Stefan Jauk • Christian
Jenkner • Wolfgang Jordan • Mirjana Jovicic • Gabriele Jung • Claudia Jung • Juergen Jungmayer K Engelbert Kagerer • Gerlinde Kainz • Kathrin Kaipel • Hermann Kalenda • Anita
Kaliska • Gabriele Kalt • Martina Kaltenecker • Petra Kamellander • Harald Kamellander Irene • Kammerhofer-Gartner • Christoph Kantor • Stefan Kapfer • Andrea Karall • Josef
Kargl • Katharina Karl • Peter Karlik • Thomas Karlik • Franz Kattner • Silvia Kauder • Michael Kdolsky • Alfred Kellner • Harald Kern • Katharina Andrea Kern • Gertrude
Kerschbaumer • Ursula Keusch • Wolfgang Kier • Claudia Kieslinger • Sabine Kindermann • Andreas Kirnbauer • Gerhard Kitzinger • Rene Klaghofer • Christian Klamert • Doris
Klauhs • Gunter Klaus • Herbert Kleedorfer • Doris Kleinert • Marcus Klinger • Erika Klug • Eva-Maria Klug • Karl Knechtl • Joachim Knoglinger • Stefanie Koehler • Stephan
Koelbl • Andrea Koellerer • Manfred Koellner • Andreas Koerbl • Karina Kogler • Manfred Kohl • Daniela Kohl • Angelika Koisser • Danica Kokanovic • Gabriele Kolar • Michaela
Koller • Brigitta Koller • Daniela Kollmann • Melitta Kolm • Brigitte Konrad • Brigitte Kopacek • Maria Kornfeld • Monika Korntheil • Martina Korunka • Georg Kraft-Kinz • Gerda
Krajnik • Ingrid Kramesberger • Guenter Krammer • Erwin Krammer • Andrea Krammer • Christoph Krammer • Hildegard Kraus • Karin Krausz • Anita Krc • Wolfgang Krejci • Veronika
Kremlicka • Ludwig Kremser • Ida Kreuzer • Karin Kreuzmann • Ingrid Krischan • Renate Krischke • Bernhard Krischke • Rudolf Krispel • Sabine Kritsch • Thomas Kriz • Daniela
Kriz • Johann Kromes • Ingeborg Kronberger • Karin Kropik • Pia Krouzek • Susanne Krukenfellner • Harald Kudjelka • Teresa Kugler • Wolfgang Kuhnert • Angela Kukula • Sandra
Kumhofer • Andreas Kunagl • Eveline Kurta • Gabriel-Peter Kux L Alexander Lackner • Monika Lager • Robert Lagsteiner • Elfriede Lang • Christian Lang • Alexandra Lang
Christoph Lang • Maria Lang • Nikolaus Langer • Gabriele Lanner • Carina Laritz • Ulrike Lasar • Christa Lassner • Marion Laszmann • Maria Lauer • Sabrina Laya-Laufersweiler
Sandra Lehner • Peter Lehner-Jettmar • Wolfgang Lehofer • Erich Leidnix • Daniela Leiner • Harald Leist • Johann Leitner • Karin Lenarcic • Rudolf Leodolter • Patricia Lichowski

Sylvia Liebhard • Christoph Liebhart • Thomas Liebscher • Lilian Lielacher • Marion Lindbichler • Johann Lippitsch • Barbara Litschka • Martina Litzka • Franziska Lochner • Peter
Loescher • Andreas Loidolt • Gerlinde Lorenz • Walter Losos • Erich Loydl • Eduard Ludik • Thomas Lutz • Bernadette Lutzmayer M Clemens Machal • Andrea Machan
Sabine Maderic • Anja Madner • Elfriede Mahn • Wilhelm Maimer • Alexandra Maleschek • Erich Malzer • Monika Mang • Josef Mantler • Doris Manzenreiter • Christina Marenich
Gabriela Marhold • Doris Marihart • Kurt Markl • Friedrich Marschalek • Andrea Martinovic • Daniela Marvan • Martina Matuschek • Brigitte Mayerweck • Astrid Meinecke • Martina
Meltsch • Manfred Meraner • Sabine Mercsanits • Heidemarie Merta • Eva Messetler • Michaela Messner • Tanja Metzl • Christian Meyer • Katrin Meyer • Stefan Mezera • Harald
Michlits • Franz Mickl • Eszter Miletits • Marion Milkovits • Silvia Milla • Barbara Milletich • Erhard Mock • Christian Mock • Britta Moeller • Sabine Moerzinger • Karl Mosgoeller
Maria Motzko • Eva-Maria Muehl • Evelyn Muehler • Gerald Mueller • Heinz Mueller • Elisabeth Mueller • Martina Mueller • Heidrun Mueller • Annemarie Mueller-Nowak • Thomas
Mueller-Troester • Maria Murnberger • Franz Muskovich • Maria Musso • Barbara Mycinski N Agnes Naderer • Gernot Nagl • Judith Nagl • Gerald Naglmeier • Adel Narath
Johann Nebily • Barbara Nebily • Maximilian Nedjelik • Christian Nemeth • Gisela Nemeth • Werner Neubauer • Karin Neubauer • Brigitta Neuberger • Christa Neudorfer • Susanna
Newet Guido • Nicolussi-Moretto • Sonja Niedereder • Juergen Niedermayr • Heidemarie Niefergall • Nicole Nikitscher • Birgit Niziolek • Christoph Noebauer • Eva Maria Novak
Gerhard Novotny • Cornelia Nowak • Christiana Nowotny O Gabriella O'sullivan • Nicole Obenaus • Werner Oellerer sen. • Werner Oellerer jun. • Gerhard Oesterreicher • Christian
Ohswald • Christina Ott P Peter Paces • Baerbel Pachinger • Alexandra Paclt • Birgit Palasser • Birgit Pannosch • Regine Papst-Tastel • Franziska Partinger • Wolfram Patzl
Gerhard Paul • Martina Pavlicek • Bernhard Pechgraber • Wolfgang Pelech • Andrea Pelzmann • Judith Penold • Thomas Perchthaler • Birgit Peroutka • Eva Pfeffer • Heinz
Pfeffer • Clemens Pfeifer • Karin Pfeiffer • Peter Pfingstgraef • Udo Philippitsch • Franz Pichler • Dieter Pietschmann • Josef Piewald • Elfriede-Helene Piller • Christian Pillwein
Bernhard Pils • Manuela Pipal • Harald Pirkfellner • Heidemarie Plachwitz • Maria Plessl • Martina Poecher • Silvia Pokan • Claudia Pokorny • Alexandre Poliakoff • Martina
Pollak • Erich Ponstingl • Sandra Popp • Jbid Posa-Markaryan • Martin Pospischil • Olivia Prader • Marion Prechtl • Claus Juergen Preininger • Gabriele Preiskorn • Eveline
Priessnitz • Maria Prinz • Ferdinand Prirsch • Renate Prochazka • Peter Proeglhoef • Heinz-Peter • Prusnik-Dragosits • Reinhard Puehringer • Peter Puespoek • Gerhard Punz
R
Petra Rabl • Eva Raditsch • Herbert Radl • Sabine Rajkovacz • Slobodan Rakic • Michaela Rammel • Peter Ramsauer • Gerhard Ransmayr • Hans Rapatz • Petra Rappan • Dagmar
Raschbauer • Christian Rausch • Nina Rauter • Dorothea Redl • Sigrid Regner • Gerhard Rehor • Johannes Reinprecht • Manfred Reismueller • Michael Reitenbach • Monika
Reiter • Monika Reithofer • Christian Remsberger • Anton Resch • Gertraud Retzer • Eduard Richtar • Gerhard Riedel • Claudia Riedl • Mathias Rieger • Reinhard Rilke • Helene
Rittler • Christiane Rittsteuer • Marcus Julian Robor • Dieter Roch • Paulina Rochacz • Dieter Roetzer • Lilian Rogic • Nina Roseano • Andreas Rosenberger • Marietta Rosner
Andreas Rotsejdl • Irmgard Rovina • Adelheid Ruisz • Pierre Rupp • Sabine Rupp • Dorothee Ruprich-Eggner • Wolfgang Russegger S Andreas Sacher • Christa Sadleder • Maria
Sailer • Peter Sajovitz • Wolfgang Salenka • Romana Sarklet • Kerstin Schabbauer • Erich Schaefer • Birgit Schallerboeck • Karl Schallmayer • Sandra Schardinger • Kurt
Schausberger • Margit Schebach • Werner Schediwy • Matthias Scheiber • Martin Scheichenberger • Verena Schicker • Markus Schikowitz • Roland Schiller • Alexander Schiller
Peter Schindler • Elisabeth Schiruk • Christoph Schittenhelm • Roman Schlosser • Katrin Schmalzl • Manfred Schmid • Sonja Schmidl • Sabine Schmidt • Friedrich Schmidt
Rene Schmiedel • Andrea Schmutz • Johann Schnakl • Renate Schneider • Alexander Schneider • Isabell Schneider • Elisabeth Schnizer • Sibylle Schober • Harald Schoder • Hubert
Schoebinger • Peter Schoefmann • Sonja Schoelm • Guenter Schoenberger • Monika Schoepfer • Martin Scholz • Philipp Schraefl • Wolfgang Schraik • Martina Schramm • Hans
Schreiner • Erich Schrenk • Philipp Schroefl • Franz Schubert • Marc Schuett • Margit Schuh • Andrea Schuh • Friedrich Schurad • Barbara Schuster • Edeltraud Schuster • Sabine
Schwab-Bigler • Reinhard Schwaiger • Ulrike Schwarz • Peter Schwarz • Roman Schwarzbauer • Dagmar Schweinhammer • Martina Schweitzer • Markus Schwendenwein • Elisabeth
Segall • Martina Sehorz • Ursula Seibold • Ingrid Seidel • Eva Maria Seidl • Gerold Seidl • Sonja Seifner • Elisabeth Seiter • Werner Serles • Sabine Siebert • Gabriela Sieder
Sabine Siegel • Petra Siegel • Petra Sieghardt-Schmidt • Barbara Siegl • Eva Silberbauer • Marie-Therese Simanek • Elfriede Singh • Albert Sinkovits • Patricia Skoumal • Petra
Slavik • Herbert Smitha • Martin Smutek • Sonja Smutny • Karin Sobotka • Christian Sollinger • Sonja Sonai • Barbara Span • Martina Spanring • Michaela Spiegel • Brigitte
Sporrer • Sascha Stadnikow • Gertrude Stangl • Christian Stark • Wolfgang Starkl • Gabriela Stary • Guenter Steibl • Andreas Steinbrugger • Ingrid Steiner • Georg
Stepan • Erwin Steurer • Stefan Stiasny • Heinz Stiastny • Michaela Stieber • Elisabeth Stocker • Eva Stoeffl • Maria Stoeger • Manuela Stoeger • Friedrich Straka
Angela Stransky • Walter Stranzl • Pamela Strasser • Josef Strassnig • Wolfgang Strau • Marion Strycek • Franz Stummer • Doris Stummvoll • Guenther Stusak • Isolde
Suchentrunk • Franz Supper • Brigitte Svaton • Thomas Svoboda • Katrin Szabo • Manfred Szakusits • Josefa Szeidel • Hippolyt Szekely • Walter Szloboda • Jasmin Szvetits
T
Helmut Tamegger • Manuela Tanriverdi • Eva Tatschl • Gabriele Taubitz • Johann Thaler • Heidemarie Thomann • Rosa Thurner • Guenther Toepfl • Andreas Toifl
Martina Toifl • Lucia Tomaschek • Daniela Tomes • Bettina Tomsich • Anton Tragschitz • Gabriele Trapel • Petra Traschler • Wolfgang Trautmann • Andrea Trcka • Franz
Trettler • Ingeborg Triembacher • Alexandra Troester Helene Trost • Daniela Trunner • Andrea Tscherkassky • Bernhard Tschrepitsch • Guenther Tschrepitsch • Sabrina
Tuchny • Herbert Tuider • Christian Tunkl • Ulrike Turek • Michael Tutsch U Christoph Uher • Ulrike Uhl • Erich Ullram • Friedrich Harald Urbanek V Sabine
Valentin-Schilling • Susanne Vandrovec • Robert Vartok • Michael Vasilico Thomas Vavrousek • Enrico Veith • Georg Veits • Peter Veres • Claudia Vesely • Daniela Vetter
Christine Vock • Elisabeth Vogt • Christina Vogt • Bernhard Vorhemus • Karin Vorpahl • Rudolf Votypka • Anastasios Voulgaris • Christian Vsetecka W Evelin
Wachlowski • Sibylla Wachsler • Robert Wagner • Florian Wagner • Martin Wagner • Susanna Wailzer • Christa Waitz • Peter Wanieczek • Katharina Watzek • Andreas
Weber • Bettina Wecko • Annette Weger • Thomas Weger • Elisa Wegl • Claudia Wehofsky • Gerhard Weidinger • Thomas Weimann • Gabriele Weinmann • Edith Weinmayr
Beatrix Weiser • Lothar Weiss • Sylvia Weiss • Brigitte Weiss • Gudrun Weiss • Rainer Weisz • Norbert Wendelin • Harald Wenger • Helmut Wenisch • Franz Wentseis
Christian Wenzina • Erwin Wesel • Lieselotte Wessely • Claudia Westermayr • Wilfried Wetzel • Elisabeth Wiesinger • Eva Wiesinger • Sabine Wiesler • Christian Wiesler
Klaus Wild • Doris Willert • Michael Wiltsch • Wolfgang Windisch • Jutta Winkelhofer • Philipp Winkler • Maria Winkler • Maria Winter • Helmut Winter • Helene Winter
Michael Wirsta • Heinz Wisgrill • Claudia Wistl • Michael Withalm • Brigitte Witschel • Ulrike Witting • Heinrich Wittmann Claudia Woegenstein • Petra Woehry • Birgit
Wokaun • Leo Wokrinek • Eva-Maria Wolf • Bernhard Wolfram • Markus Wollner • Fabienne Woltron • Irene Wonisch • Matthias Writze • Marianne Wurzinger-Salazar
Sandra Wutte Z Gerhard Zachl • Andreas Zainzinger • Margit Zakoucz • Michaela Zangerl • Carmen Zechmeister • Silvia Zechmeister • Christine Zederbauer • Gerlinde
Zeininger • Sonja Zeitlinger-Krcmar • Gerhard Zieger • Hubert Zimmermann • Sabine Zinke • Brigitte Zintl • Josefine Zlabinger • Alfred Zupancic • Angelika Zweckmayr
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