raiffeisen bank international (rbi) · raiffeisen bank international your bridge to central and...

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Raiffeisen Bank International (RBI) Your reliable partner in Austria and CEE H1/2019 ABOUT RBI NETWORK PRODUCTS & MARKETS SUSTAINABILITY & INNOVATION MISCELLANEOUS The Reichsbrücke is one of the most important bridges in Vienna. It leads from Leopoldstadt via Donauinsel to Donauplatte, where the UNO City and the DC Tower - the highest building in the city - are located.

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Page 1: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Raiffeisen Bank International (RBI)Your reliable partner in Austria and CEE

H1/2019

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

The Reichsbrücke is one of the most important bridges in Vienna. It

leads from Leopoldstadt via Donauinsel to Donauplatte, where the

UNO City and the DC Tower - the highest building in the city - are

located.

Page 2: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

According to legend, raw eggs were added to the mortar

during the construction of the Charles Bridge in Prague to

make it as durable and strong as possible.

Your bridge to Central and Eastern Europe

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 3: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

VIENNA

1H 2H 3H

The hub in the heart of EuropeSituated in the heart of Europe,

Vienna is the hub between East

and West.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 4: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

For geographical and historical reasons, Vienna is an important hub in eastern growth markets.

More than 200 international companies operate out of Vienna – many of them are advised by RBI on their way to CEE

Leading international customers trust in our expertise

WHO ARE WE?

More than 30 years experience in CEE

RBI’s network size and reach are unique

Universal bank with decades ofretail, corporate

and investment banking experience

With its headquarters located in Vienna, RBI acts as a bridge between East and West.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 5: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

RATINGS

MOODY‘S

LONG-TERM OUTLOOK SHORT-TERM

S&P

A3

BBB+

STABLE

POSITIVE

P-2

A-2

~ 6.8 bn EURmarket capitalization(as at 30 June.2019)

> 2,100business outlets

12 industry clusters

> 130 yearsunder the gable cross

The RBI network comprises 27 countries

~ 1,000 awards from renowned international magazines

!

148.6 bn EUR total assets(as at 30. June 2019)

~ 47,000 employees

> 16.4 m customers

HARD FACTS H1/2019

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 6: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Raiffeisen Bank InternationalYour bridge to Central and Eastern Europe

The Patriarshy Bridge in Moscow. Opened in 2004, the 230–m-long section

spanning the Moskva River is a steel box girder bridge with a decorative

steel framework. The section of the bridge crossing the Vodootvodny

Canal was opened in 2007 and is a reinforced concrete slab bridge.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 7: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Raiffeisen Banking Group structure

58.8%RegionalRaiffeisenBanks

41.2%Free float

!

Raiffeisen Banking Group Austria

~1.7m members (primarily private individuals)

386 Raiffeisen banks(with ~ 1,500 outlets)

8 Regional Raiffeisen Banks

58.8%

Free float 41.2%

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Central

Europe

Southeastern

Europe

Eastern

Europe

Group Corporates &

Markets

Corporate

Center

Page 8: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

BOSNIA AND HERZEGOVINA

2000/01

ROMANIA1998/2001

SLOVENIA2002

KOSOVO2002

BELARUS2003

ALBANIA2003

UKRAINE1998/2005CZECH

REPUBLIC1993/2006

HUNGARY1987

SLOVAKIA1991

POLAND1991/2012

BULGARIA1994

CROATIA1994

RUSSIA1996/2006

SERBIA 2001

ExpansionFoundations & Acquisitions

Selective expansion strategy

at reasonable costs.

Slovenian bank and Polish

core banking operations

sold in 2015 and 2018,

respectively, following the

strategic realignment.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 9: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Raiffeisen Bank InternationalYour bridge to Central and Eastern Europe

The Troizki or Palace Bridge in St. Petersburg. The Pulkovo meridian runs

along the bridge’s axis. The meridian was used as the reference in

the Russian Empire before the Prime meridian in Greenwich.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 10: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Southeastern Europe (SEE)

Central Europe (CE)

Eastern Europe (EE)

Austria

!

!!

!

Our networkin CEE

A leading regional player with over 30 years of experience in CEE, approx. 16.4m customers

Covering 14 markets (including Austria), of which eight are EU member states; Serbia and Albania have candidate status

Top 5 market position in 11 countries

Strong market position with Austrian corporates focusing on CEE

!

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 11: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Raiffeisen Bank InternationalYour bridge to Central and Eastern Europe

The bridge to Russky Island in Vladivostok. With a height of 324 metres, it is

the second tallest bridge in the world behind the Millau Viaduct in France

(343 metres). At night, the Russky Bridge is illuminated in the colours of the

Russian flag.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 12: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Global Account Management

HQStuttgart PAM

Vienna

LAMHungary LAM

Romania

LAMRussia

The Parent Account Manager (PAM) is your single

point of contact for all group-wide concerns.

He/she coordinates, organizes and controls the

overall relationship with your company.

The Local Account Manager (LAM) is the direct

contact for your subsidiaries and works very closely

with the PAM.

Headquarters (RBI)

Headquarters (Customer)

Subsidiary (RBI)

Subsidiary (Customer)

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 13: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

PRODUCT CATEGORIES

Our services include the following areas:

FINANCING

Working capital financing

Investment financing

Structured financing

Real estate financing

Factoring

TRADE FINANCE

Guarantees

Letters of credit

Documentary collection

EXPORT FINANCING

ECA financing

Speed Track

LEASING

Equipment

Real estate

Fleet management

INVESTMENT BANKING

Debt Capital Markets

Equity Capital Markets

Asset Based Finance

Mergers & Acquisitions

HEDGING

Foreign Exchange

Interest Rate

Product categories

INVESTMENTS

Fixed deposits

Investment Funds

Asset Management

Custody

Fund Brokerage

CASH MANAGEMENT

Current accounts

Payment services

Cash Pooling

Electronic Banking Solutions

RBI Business Banking App

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 14: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

Raiffeisen Bank InternationalYour bridge to Central and Eastern Europe

Grunwald Bridge, Wroclaw

In the fall of 1945, the bridge was given its current name Grunwald in

memory of the Polish-Lithuanian-Ruthenian victory at the Battle of

Grunwald.

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 15: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

4 VEHICLES FOR INNOVATION

Employee-initiated ideas developed in a

start-up-like process in

intrapreneurship teams

Development of new

disruptive services,

business models

and products

Fintech partnership

program: search for

innovative fintechs on a

global scale to confirm

the feasibility of their

products for RBI.

Minority interest in start-

ups and investment in

third-party VCs.

In development

Innovations & fintech partnership programs

Innovation Garden Elevator Lab Elevator VenturesInnovation Lab

1,300

Client interviews

~ 3,300

Members on Ideation platform

5

Internal start-ups

765

Fresh ideas

2 Long-term

contracts

9 Elevator Lab

Challenges25m EUR Investment capital

Partners:

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Page 16: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS

Contact details

Magda Palfi

Corporate Regional Director

Email: [email protected], phone: +40 723 400 482

Lucian Parlea

Retail Regional Director

Email: [email protected], phone: +40 722 561 776

Page 17: Raiffeisen Bank International (RBI) · Raiffeisen Bank International Your bridge to Central and Eastern Europe The Patriarshy Bridge in Moscow.Opened in 2004, the 230–m-long section

All financial and non-financial information and statistical data relating to the Raiffeisen Bank International AG (RBI) are based on historical data. Such information and data are presented for illustrative purposes only.

Certain statements contained herein may be statements of future expectations and other forward-looking statements about RBI and its affiliates, which are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, words such as "may", ''will", "should", "expects", "plans", "contemplates", "Intends", "anticipates", "believes", "estimates", "predicts", "potential", or "continue" and similar expressions typically identify forward-looking statements.

By their nature forward-looking statements involve known and unknown risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. As such no forward-looking statement can be guaranteed. Undue reliance should not be placed on these forward-looking statements.Many factors could cause our results of operations, financial condition, liquidity and the development of the industries in which we compete, to differ materially from those expressed or implied by the forward-looking statements contained herein.

These factors include, without limitation, the following: (i) our ability to compete in the regions in which we operate; (ii) our ability to meet the needs of our customers; (iii) our ability to complete acquisitions or other projects on schedule and to integrate our acquisitions; (iv) uncertainties associated with general economic conditions particularly in CEE; (v) governmental factors including the costs of compliance with regulations and the impact of regulatory changes; (vi) the impact of currency exchange rate and interest rate fluctuations; and (vii) other risks, uncertainties and factors inherent in our business.

Subject to applicable securities law or similar legal requirements. we disclaim any intention or obligation to update or revise any forward-looking statements set forth herein. whether as a result of new information, future events or otherwise.

This document is for information purposes only and shall not be treated as giving investment advice and/or recommendation whatsoever. This presentation and any information (written or oral) provided to you does not constitute an offer of securities, nor a solicitation for an offer of securities. nor a prospectus or advertisement or a marketing or sales activity for such securities.

The · shares of RBI have not been registered according to the U.S. Securities Act of 1933 (the "Securities Act") nor in Canada, U.K. or Japan. No securities may be offered or sold in the United States or in any other jurisdiction. which requires registration or qualification, absent any such registration or qualification or an exemption there from. These materials must not be issued, disclosed, copied or distributed to "U.S. persons" (according to the definition under Regulation S of the Securities Act as amended from time to time) or publications with general circulation in the United States. The circulation of this document may be restricted or prohibited in other jurisdictions.

For the United Kingdom: This presentation and related material, including these slides, (these "Materials") are for distribution only to persons who are members of RBI falling within Article43(2) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended, the "Financial Promotion Order") or who (i) have professional experience in matters relating to investments falling within Article 19(5) of the Financial Promotion Order). (ii) are persons falling within Article 49(2) (a) to (d) ("high net worth companies. unincorporated associations etc'1 of the Financial Promotion Order. (iii) are outside the United Kingdom, or (iv) are persons to whom an invitation or inducement to engage in investment activity (within the meaning of section 21 of the Financial Services and Markets Act 2000) in connection with the issue or sale of any securities may otherwise lawfully be communicated or caused to be communicated (all such persons together being referred to as "relevant persons"). These Materials are directed only at relevant persons and must not be acted on or relied on by persons who are not relevant persons. Any investment or investment activity to which these Materials relate is available only to relevant persons and will be engaged in only with relevant persons.

Figures shown in the presentation are based on figures contained in the interim or annual report, as the case may be; however, figures used in the presentation have been rounded, which could result in percentage changes differing slightly from those provided in the respective report.

We have exercised utmost diligence in the preparation of this presentation. However, rounding. transmission. printing, and typographical errors cannot be ruled out. We are not responsible or liable for any omissions, errors or subsequent changes which have not been reflected herein and we accept no liability whatsoever for any loss or damage howsoever arising from any use of this document or its content or otherwise arising in connection therewith.

Disclaimer

ABOUT RBI NETWORK PRODUCTS & MARKETSSUSTAINABILITY & INNOVATION

MISCELLANEOUS