Annual Report 2012 - Raiffeisen Bank Kosovo JSC

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Raiffeisen Glossary
Gable Cross
Group in CEE. It represents two stylized horse’s heads, crossed and attached to the gable of a house. It is a symbol
of protection rooted in old European folk tradition: a gable cross on the roof was believed to protect the house and its
occupants from outside dangers and to ward off evil. It symbolizes the protection and security that the members of the
Raiffeisen banks enjoy through their self-determined collaboration. Today, the gable cross is one of Austria’s best-known
trademarks and a well-recognized brand in CEE.
Raiffeisen Bank International
Raiffeisen Bank International AG (RBI) regards Central and Eastern Europe (CEE), including Austria, as its home market.
In CEE, RBI operates as a universal bank through a closely knit network of subsidiary banks, leasing companies and
numerous specialized financial service providers in 17 markets. At the end of 2012 around 60,000 staff served
approximately 14.2 million customers in around 3,100 business outlets in CEE. In Austria, RBI is one of the top corporate
and investment banks. Moreover, RBI is represented in the world's financial centres and operates branches and
representative offices in Asia. All in all, RBI employs about 60,000 staff and has total assets of approximately € 136
billion.
RBI has been listed on the Vienna stock exchange since 25 April 2005 (until 12 October 2010 as Raiffeisen
of RBI's shares are in free float. With its long-term "A" (S&P, Fitch) and "A2" (Moody's) ratings, RBI is also a regular issuer
of debt securities.
RZB
Austrian Raiffeisen Banking Group and RBI, with its banking network in Central and Eastern Europe (CEE) and numerous
other international operations.
RZB Group
Raiffeisen Banking Group
The Raiffeisen Banking Group (RBG) is Austria's largest banking group by total assets. As per year-end 2011, RBG's
consolidated balance-sheet total amounted to more than € 269.6 billion. It represents about a quarter of all banking
business in Austria and comprises the country's largest banking network with more than 2,200 business outlets and
25,000 employees. RBG consists of Raiffeisen Banks on the local level, Regional Raiffeisen Banks on the provincial
Raiffeisen Banks are private cooperative credit institutions, operating as general service retail banks. Each province's
Raiffeisen Banks are owners of the respective Regional Raiffeisen Bank, which in their entirety own approximately 90 per
The Raiffeisen Banks go back to an initiative of the German social reformer Friedrich Wilhelm Raiffeisen (1818 – 1888),
who, by founding the first cooperative banking association in 1862, has laid the cornerstone of the global organization
of Raiffeisen cooperative societies. Only 10 years after the foundation of the first Austrian Raiffeisen banking cooperative
in 1886, already 600 savings and loan banks were operating according to the Raiffeisen system throughout the country.
According to Raiffeisen's fundamental principle of self-help, the promotion of their members' interests is a key objective of
their business policies.