the business segments of the raiffeisen

THE BUSINESS SEGMENTS OF THE
RAIFFEISEN-L ANDESBANK
STEIERMARK AG
The Raiffeisen-Landesbank is a regional universal
OUR PRIVATE CUSTOMERS
bank. This means it is closely rooted in and to its
26
region, Styria. We consider Styria and neighbouring
2008 was a difficult year for the economy and espe-
countries to be our home market, but, of course, we
cially for the banking sector. The US subprime crisis
also accompany our customers to every place and
turned into a world economic crisis, at the height of
market in the world. The Raiffeisen-Landesbank, as a
which banks were given a great deal of media at-
universal bank, is involved in every segment of bank-
tention. In this regard, the safety of deposits was a
ing. From private customers and private banking to
big topic. Our customers showed a lot of interest in
commercial and corporate banking to trading securi-
information on this. During this phase, our staff was
ties and the insurance and building society business
really challenged. Raiffeisen really cares about the
up to leasing as well as the investment business. We
topic of safety. We stretched several safety nets a
have acquired the know-how to manage every seg-
long time ago to guarantee our customers’ deposits
ment to our customers’ satisfaction in the 82 years of
and to help protect the Raiffeisen banks from eco-
our bank’s history and we are expanding it daily.
nomic problems.
Despite a difficult economic environment in the financial sector, the Raiffeisen-Landesbank managed
to achieve very good results with its twelve bank
branches, the “Bauen & Wohnen” (Building & Living),
“Musterhauspark” (Model Home Park) and “Raiffeisen UniCenter” (Raiffeisen University Center) competence centres and the new “Private Banking”.
2008 in m eur
(+/–) %
Savings deposits
499.1
+ 8.43
Demand deposits (incl. investment and
online savings)
145.2
+ 10.72
1,007.9
+ 2.18
Total money under management
ECONOMIC PARTNER OF ST YRIA
interest showed us that we are up on the latest
trends with our events.
The Raiffeisen-Landesbank has been a reliable and
competent partner of the Styrian economy for a long
Of course, we saw to it that the corporate bankers
time. As a commercial customer bank, its strategic
of Styrian Raiffeisen banks were also trained and
orientation is mainly focused on the business seg-
made fit for commercial business in Austria and
ments of industry, institutional customers and the
abroad in professional seminars in 2008. We thus
public sector.
reacted promptly to the increased demands of the
market.
The total volume of financing for our customers increased by around 11% to EUR 3.2 bn in the 2008
financial year.
Total volume of
gross cash loans
Total volume of
investments
2008 in m eur
(+/-) %
3,272
+ 10.69
619
+ 14.20
These volume results were supplemented by comprehensive and intensive cross-selling in payment
transactions, treasury and other services.
The export business is a vital economic and growth
driver of Styria. It goes without saying that we accompany Styrian companies in their export involvement in foreign markets. Our customers can fall
back on our dense Raiffeisen network of more than
3,000 branch offices.
Our marketing once again focused on funding
and organising numerous well-attended customer
events. We were involved in “renewable energies”,
“export” and “pension funds”. The audience’s brisk
2008 ANNUAL REPORT
PRIVATE CUSTOMERS
27
PAYMENT TRANSACTIONS
2008
(+/-) %
Total transactions in m
107.8
+ 4.4
ELBA customers in thousands
182.1
+ 11.9
ELBA transactions in m
16.0
+ 14.4
POS payments in m
13.9
+ 7.4
THE R AIFFEISEN-L ANDESBANK PRO-
sational concepts up to launching state-of-the-art
VIDES MUCH MORE THAN JUST BANK-
management systems.
ING SERVICES
The development and implementation of “KREDIT
28
The Raiffeisen-Landesbank is a bank, but it is also
2GO”, a process-based advising and processing
a service provider in many segments besides bank-
tool, was another focus in 2008. This application
ing. One of its main tasks in this regard is to assist
offers a standardised loan process, which makes it
the Styrian Raiffeisen banks. This includes carrying
possible to quickly satisfy the loan requests of our
out payment transactions, assisting in foreign trans-
customers up to a certain amount.
actions, services in special loan management, the
advising of banks in the areas of marketing, sales
and corporate management as well as providing and
operating innovative and secure information technologies by the computing centre.
In terms of payment transactions, 2008 was characterised by the implementation of a standardised payment system in the European area, the Single Euro
RAIFFEISEN REAL ESTATE SERVICE
The message is short and sweet: 2008 was a good
year. We could achieve a new sales record. The previous year’s result was surpassed by + 11.2%. More
than EUR 50 m worth of real estate was brokered.
RAIFFEISEN LEASING
Payment Area, or SEPA, for short. All of the necessa-
Despite the difficult economic conditions, 2008 was
ry changes were finished by the end of 2008. Since
definitely a good year for our leasing business. A to-
then, customers of the Raiffeisen Banking Group Sty-
tal of around 2,300 contracts could be closed with a
ria have been able to fully use SEPA.
new business volume of EUR 93 m. The product leasing sector deserves special mention. The previous
As in past years, our computing centre was once
again characterised by its high degree of online availability in 2008.
The main factors for the success of the Raiffeisen
Banking Group Styria are professional corporate management as well as optimal marketing, sales and organisational management. The range of services of the
Raiffeisen-Landesbank in this regard extend from active assistance in designing and implementing sales
emphases to developing new strategic and organi-
year’s volume could be surpassed by around 12%.
CAPITAL MARKET BUSINESS AND TREASURY
An outstanding result could be achieved once again
2008 was characterised by upheavals on the finan-
in 2008. We managed to produce over EUR 245 m
cial markets, decreasing worldwide economic output
in the special bonus life insurance sector. The one-
and falling inflation rates. Starting in the third quarter,
time premium products like the Raiffeisen-Best-Zins-
this development led to substantial downturns on the
RZB-Garant (Raiffeisen Best Interest Raiffeisen Cen-
stock markets and declining interest on the gold and
tral Bank Guarantee) contributed significantly to this.
capital market. Therefore, there were great challeng-
In accident insurance, the portfolio growth in Styria
es to be overcome in the activities on the capital mar-
increased by 8.9% and was thus significantly higher
ket as well as in the customer business. However,
than the national average of 7%.
good results could be achieved in the investment
banking business:
RAIFFEISEN BUILDING SOCIET Y SAVINGS
In 2008, the Raiffeisen building society savings bank
was responsible for a third of the building loan contracts concluded in Austria and it can thus look back
on its most successful year. A total of 324,782 building loan contracts were closed in Austria and 58,101
in Styria alone.
• Issue volume in circulation: EUR 2.8 bn
• Increase in the number of custodian accounts
by 3% up to 101,000
• Increase in volume up to EUR 4.2 bn
RISK MANAGEMENT
In times of crisis, well-functioning risk management
SHAREHOLDINGS
In 2008, the portfolio of shareholdings recorded in
our books of account increased by around EUR 349
m to around EUR 1.1 bn. That is a 45.7% increase. The
main changes in shareholdings concern recapitalisations of the Raiffeisen-Zentralbank Österreich AG, the
Landes-Hypothekenbank Steiermark AG as well as
our foreign banks in Slovenia, Croatia and BosniaHerzegovina. A finance company, which will start
doing business in 2009, was founded to assist small
and medium-sized businesses with their equity.
is extremely important for a bank. Risk evaluations,
market changes and impacts on the result of the
bank are analysed by a risk management committee
that meets once a month and appropriate measures
are taken. Another focus of our work in 2008 was the
creation of standardised groupwide loan processes.
2008 ANNUAL REPORT
RAIFFEISEN INSURANCE
29
A BANK OFFERS A LOT OF
INTERESTING PRODUCTS.
FOR SOME, MAYBE EVEN TOO MANY.
OUR BANKERS FIND THE RIGHT
PRODUCT FOR YOUR PARTICUL AR
SITUATION IN LIFE.
arndt hallmann
30
There are not many things you can count on your
bank is also open 24 hours a day. When you start
whole life long. Your parents’ love, the change of
wanting to have a family, your needs change once
seasons and the finality of death are three examples.
again. Where will we live? How will we finance our
Another one comes to our mind: the dependability
house? A building society loan or a “normal” loan?
and reliability of the Raiffeisen-Landesbank. It lasts
You need a new car. Leasing or a loan? Doesn’t mat-
your whole life long.
ter, Raiffeisen always has both of them! And the insurance to boot. Your one-stop bank.
Life is wonderful! It is full of surprises and experiences day after day that shape and influence our
And what should I do with all the money I’ve saved
life. Every day we grow a little bit wiser. We broa-
over the years? Couldn’t I get a little more out of it?
den our horizons and thus our needs increase, in-
The financial investment should be safe, but still yield
cluding those to do with money. In the beginning,
something. Funds are an option. Maybe I should
there is Sumsi the bee. “Mom, grandpa gave me 2
try shares sometime? And if so, what kind? Private
Euros. Where is Sumsi?” Sumsi has been buzzing
Banking knows about this. That’s where the shares
around Austrian children’s rooms since 1970. Sumsi
experts are. And in business? A new building would
is taken for a walk during World Savings Week every
be nice, the fleet needs expanding, and the comput-
year. This is when young savers proudly see what
ers are getting out of date. It’s a good thing that I
has accumulated in the belly of the bee over the year.
can count on my Raiffeisen account manager. He or
“That much!” And right into the savings book. Years
she has customized financing for my business. And
later there are other wishes and dreams. You need
they accompany me and my company abroad, too.
a moped or a car, or the semester abroad in France
Oh, yeah! Before I forget, I need to plan my holidays.
needs to be financed. Whether you can really afford
Right, Raiffeisen can help me there, too. In the Raiff-
those holidays in Greece? It’s a good thing you have
eisen travel agency, they know where you can relax.
something in your savings book. It’s a good thing
that your grandma paid into the building society
The children grow up and move out. “Dad, you are
account over the years. “I closed the building society
going to be a grandpa!” And thus, it’s time again for
savings contract right after you were born. That way
Sumsi the bee. And I might as well go ahead and clo-
there is something there when you need it.” Thanks,
se a building society savings contract today.
grandma!
But now it is time for my account at my bank. It should
be convenient and reliable. The Raiffeisen banker
knows what he or she is doing. Thanks to ELBA my
2008 ANNUAL REPORT
RAIFFEISEN-L ANDESBANK:
A RELIABLE LIFELONG PARTNER
31
AND? HOW MANY PEOPLE DO YOU
TRUST?
Helmut ABERL Birgit ABL ASSER Got t fried ADAM Gerald ADLER Irmgard ADLER Rosemarie ADLER Thomas
ARNDT Peter AUER Karin AUER -TARVAINEN Ingrid AUGUSTIN Gebhard AUNER Sabine BACHER A rmin BA
BAUMGARTNER Thorsten BAUMGARTNER Veronika BAUMGARTNER Gerhard BAUMHAK L Friederike BEC
Hans Jörg BORSTNAR Heinz BR ANDL Christa BR ANDSTÄT TER Gerhard BR ANDSTÄT TER Maria BREINE
Claudia BURITSCH Barbara CAPELL ARI Markus CRESNAR Elisabeth CSUK Rober t CSUK Silvo CVETKO Fra
Franz DOBLER Theresia DOBLER Karin DÖRFFEL Thomas DOK TER Mar tin DOLINAR Dorothea DOPPELH
Mar tin EDLER Stefanie EDLER Michael EFFERL Birgit EGGER Günther EHRENREICH A nton EIBEL Markus
L adislaus ERDELY Reinhard ERKINGER Claudia ERNST Elisabeth ERTL Ot to ESTERL Tina FALESCHINI Jos
FIGER Marina FILIPP Doris FINK Christian FLECHL Cornelia FLECHL Gerhard FLECK Christine FLEISCHHA
Franz FUCHS Marion FUCHS Sabine FUCHS Cornelia FUNK Christine FÜRST Isabella FURTLEHNER Franz
Eva GFRERRER Michaela GIMPEL Helmut GL AUNINGER Karl GLEHR Tanja GLEICHWEIT A ndreas GLET TLE
Bernhard GOLLNER Danilda GONZ ALES PENA Josef GOSCH Edith GR ABENHOFER Judith GR ABNER Ha
Maria GRIMM A lexandra GRINSCHGL Verena GRINSCHGL Cornelia GROICHER Ewald GROSS Richard GRO
Helmut GUNGL A riane GUNHOLD Hermine GUTJAHR Theresia GUTMANN Klaus GUT TMANN Vik tor HA AR
HAMM Franz HAMMER Maria HAMMER Elisabeth HANFSTINGL Rudolf HANSELMAY ER Eva- Maria HARING
HAUSLEITNER Tanja HAUSMANN A ndrea HA Z ELMAY ER Thomas HA Z R ATI Markus HEFLER Vinzenz HEHE
Katrin HINTEREGGER Elisabeth HIPPACHER Ernst HIPPACHER Josef HIRSCHMANN Gerhard HOCHSTR A
HOLL Johann HOL Z APFEL Eva HOL Z MANN Margit HORBATH Marianne HORNER Brigit ta HUBER Hermann
JANSK Y A lbine JANTSCHER A lexander JAUK Johann JAUK Margit JAUK Sonja JAUK A lois JAUNEGG Ma
Hildegard K AISERFELD Gerhard K ALCHER Lisbeth K ALCHER Peter K ALCHER A ndreas K AMPER Rosmarie
Gerhard K AUFMANN Marion K AUFMANN Ewald K ERN Michael K ERN Renate K ERN Beate K ESSLER Dieter
K L ASS Günter K LEINDL Renate K LEINDL- POSCH Maria K LET Z MAY R Brigit te K LINGSBIGEL Dagmar K LÖ
KÖSTL Sigiber t KÖTSCHLER Daniela KOFLER Renate KOFLER Brigit te KOGLER Enrico KOGLER Gerald K
A lfred KONR AD Josef KONR AD Thomas KORMANN Melanie KORNBERGER Ernestine KORP Harald KORS
K RENN Rainer K RENN Walter K RESBACH Josef K RIEGL Irene K RISPEL Nicole K ROBATH Marlies K ROIS
L ACK NER Stefan L ADLER Susanne L AFER Franz L AGNOL Michael L ALLER Nikolaus L ALLITSCH Dietmar
Bet tina LEDERER Helmut LEINDL A ndrea LEINER Eleonore LEITGEB Rene LEITNER A lfred LELLECK Irmg
LIND Gerhard LINDNER A nita LIPP Franz L JUBI Johann LOH Wolfgang LOIPNER Barbara LOIT Z L Roland
MAIERHOFER Günter MAIER - PA AR Markus MAIR Ger trude MAIT Z Roswitha MAIT Z Sabine Mar tina MA JCA
MAT Z HOLD Peter MAT Z HOLD A ndreas MAURER Gerlinde MAURER Ingrid MAURER Walter MAURER Gerd
Mick MEIXNER Bernhard MELLIT Z ER Maria MENAPACE Heimo MESSNER A ndreas MICHITSCH Gordana M
Heide MOSDORFER Doris MOSER Heike MOSER Marianne MOSER Mar tin Urban MOSER Herber t MOT TER
Kur t NEUHOLD Eva NEUR ATHNER Katharina NIESNER Christa NIGIT Z Daniel NIKITSER Roswitha NINAU
A nneliese PABI Wolfgang PACHER Mat thias PACK Ulfried PAIER A nnelies PAIERL Gabriele PANZ ER Josef P
Iris PFANNER Klaus PFEIFER Gregor PFNISS Maria Gioia PICCOLROVA Z Z I HL ATK Y Christian PICHLER E
Her ta PIRSTINGER Catherine PISTRICH Monika PL ANINSCHITSCH Maria PL ANKO Stefan PL ASCHK A Eli
PÖLTL Sandra PÖT TINGER Rober t PÖT TLER Dietmar PONGR AT Z Michael PONTASCH - HÖRZ ER Irena POP
Mar tin PRESSLER Christina PRET TERHOFER A lexander PRÜLL Klaus PUCHAS Bet tina PUCHER Ingrid PUR
Regina R AUSCH Petra R AUSCHENBERG Klaudia RECHL Waltraud RECHLING Gerald REDER Rolf A rno REG
Franz REITER Manfred REITER Christa REMLER Marianne RENHART Erich RENZ L Barbara RESCH Hein
ROHLFING Peter ROHRER Edeltraud ROM - BUCHBERGER Franz ROSENBERGER Mar tin ROUBAL Gerald
SAMEC - G AT TER Gerhard SAMER A nton SAMMER Peter SAT TLER Gerald SAURER Christiane SAUSENG
SCHEER Mar tina SCHENK Brigit ta SCHERDONER Karin SCHERF Erna SCHER Z ER Renate SCHE T T Elisa
SCHL AR Christian SCHL AT Z ER Melanie SCHL AT Z ER Mar tina SCHLEGL Manfred SCHLIBER Herber t SCHL
Christina SCHNEIDER Waltraud SCHNEIDER Waltraud SCHNEIDER Wolfgang SCHNIDER Ernestine SCH
SCHRÖT TNER Joachim SCHULLER Daniela SCHUL Z Helga SCHUSTER Christian SCHWAB Margit SCHWA
Ernest SCHWINDSACK L Johann SEEBACHER Monika SEIDLER Heidi SEINER Markus SEISZ Roderich SEU
Adela SMA JIC A nton SONNLEITNER Ursula SORGER Sandra SORIT Z Rene SPATH Harald SPITALER Eva
STEINWENDER Bernd STEINWIDDER Evelyn STEIRER Rudolf STEL Z ER Wolfgang STENGG Mat thias STER
STROBEL Christoph STROBL Erich STROBL Markus STROBL Sigrid STROHMEIER Veronika STROHRIEGL
SWATEK Monika SWATON Astrid S Z L AMAR A nton TACK NER Gudrun TÄUBEL Tamara TANFAR A - R AK AR
Herber t THOMANN Dietmar THOSOLD Klaudius THURMAIER Walter TIEFENGRUBER Julius TOTH Thoma
Harald T SCHICK Stefan T SCHIKOF Ingrid UIT Z Priska UMFER A nton UNGER Gerhard UNGER Doris UNTER
Irmgard WAIDACHER A nita WALCH Werner WALCHER Daniela WALLNER Marja Liisa WALLNER Karin WA
WEINHANDL- RÖCK Werner WEINHOFER Elke WEISS Heriber t WEISS Walter WEISSENSTEINER Karin W
WINK LER Sandra WINK LER Beate WINK LER - KOLBL Bernd WINTERLEITNER Bernd WINTERLEITNER
Z AUNSCHIRM Gabriele Z ECHNER Jasmine Z ECHNER Thomas Z EHE TLEITNER Mar tin Z EHE TNER
s AGL ASSINGER Daniela ALBRECHER Wolfgang ALBRECHER Karl ALLMER Manfred ALTENSTR ASSER Sabi
ACHLER A nton BAIER Karoline BARMÜLLER Ulrike BARTH Helmut BAUDENDISTEL Sabine BAUER Veronika
CK ER Elisabeth BERGHOLD Sigrid BERGMANN Sigrid BILEK Karl Thomas BINDER Franziska BIRK ER Reinho
ER Irmgard BREITHUBER Karin BRET TENTHALER Dzejn BRKIC Franz BRUNADER A lexander BRUNNER C
anz CZ ENE Stefan DAHM Birgit DAMPFHOFER Johann DAMPFHOFER Tamara DANI Elisabeth DERLER Johan
HOFER Elvira DOPPELREITER Rosemarie DOPPLER Hannes DORNER Helga DORNER Katharina DR AGSCH
s EIBISBERGER Stef fen EIBÖCK Barbara EISENBERGER Markus EISENHUT Gerald EISNER Gerhard EISN
sef FAST Gerhard FEICHTER Dunja FEIGL Petra Johanna FELBER Wolfgang FELBER Markus FELDGITSCHER
ACK ER Günther FLEISCHHACK ER Thomas FORCHE Monika FORMANEK Birgit FR ANK Wolfgang FREIBERGE
z GAISCH Mar tin GALLI Marianne GAMPERL Karin GANGL Daniela GANGOLY A rnold A . GASSNER Elmar GA
ER A ndreas GLET TLER Mathilde GNEIST Hans GOBLIRSCH Gabriele GOBOLD - SCHÖPFER Karl GÖTSCHL Ev
rald GR ADWOHL Werner GR AF Mathilde GR AFONER David GR ASSMUGG Dietmar GR AT Z Joachim GR AT Z E
OSS Karl GROSSMANN Birgit GROSZSCHEDL Franz GROSZSCHEDL Sabine GRUBBAUER A ndreas GRUBER
R Christoph HA AS Peter HABERER Herber t HACK L A ndrea HADOLT Gabriela HAID Hermann HAIDACHER
G Gerlinde HARR ANT A ndreas HARRER Barbara HARTINGER Gerhard HARTINGER S ylvia HASENHÜNDL Dor
ER Heiko HELD Claire HEMERY Renate HERLER - ACHMÜLLER Michael HERMANN Stefan HERMANN Wilhelm
ASSER Walter HÖFER Barbara HÖFLECHNER Christian HÖFLER Herber t HÖFLER Siegfried HÖGL Brigit te H
n HUBER Johann HUBER Meike HUDA Daniel HUDL Herber t H Y DEN Thomas IMENSEK Sandra INTHALER Ga
argit JAUT Z Mar tin JEINDL Kjeld Seneca JENSEN Barbara JONACHER Daniela K AGER Monika K AHLBACHE
e K AMPER Markus K AMR AT Heidelinde K ANIK A ndrea K APFENSTEINER Renate K AR ABEL AS Huber ta K ARN
K ET TL Michael KIEFER Walter KIEFER Sandra KIELHAUSER A rmin KIENREICH Elisabeth KINDLHOFER Chr
ÖCK L Karin K LÖCK L Siegfried K LOPF Uwe K LOSA Maria K NAPP Maria K NAUHS Elke K NEISSL Edwin K NOL
KOGLER Werner KOGLER Helmut KOHL Johann KOHL Maria KOHL A kim KOHLMAY R Sabine KOINEGG Kar
SCHELT Klaus KOT Z BECK Elfriede KOWALD Gisela K R ACH Eva K R AINZ Manfred K R ANK ENEDL Christian K
Walter K ROIS Harald K ROPIK Franz KUHELNIK Johannes KUMPITSCH Petra KUMPITSCH Mar tin KUNDEG
r L AMBAUER Johannes L AMMER Christian L ANG Rosa L ANG Thomas L ANG Detlev L ANGREITER Josef L A
gard LENGER Friedrich LENGGER Elfriede LENHARD Josef LENHARDT Bernd LEODOLTER Hans- Jürgen LER
LUBEJ Heidemarie LUBER Christoph LUBI Claudia LÜF TENEGGER Bet tina LUT TENBERGER Gerald LUT TE
AN Sabine MALY Brigit te MANDL Gerhard MANN Eva MARCHEL Kur t MAROLD Tanja MARTERER Inge MAR X
d MAUTHNER Doris MA XONES Gerhard MAY ER Horst MAY ER Ursula MAY ER Walter MAY ER Ute MAY ERDOR
MIHAL JE VIC Manfred MINAUF Daniela MISCHINGER Josef MÖSTL Roswitha MOISES Mario MONSCHEIN Ma
A lexandra MÜHLBAUER A aron MÜLLER Gerald MÜLLNER Christian MÜNZ ER Thomas MURG Bernd MURTIN
US Gabriele NOÉ Michaela NOVAK Gabriele OBERER Maria OBERHUBER Roswitha OBERTHALER Petra OF
PASSEIL Judith PAT TERER Josef PAULITSCH Sonja PAVLICEK Veronika PEIER Thomas PEINSITH Dorothea P
Elisabeth PICHLER Margarete PICHLER Marian PICHLER Elisabeth PIERER Eva PILGER - BUCHEGGER Johan
sabeth PLEDL Thomas PLETERSEK Gerald PLE WA Thomas PLODER Bet tina POBASCHNIG Rudolf POCK C
PIC Siegfried POSCH Barbara POSTRUZ NIK Daniela POTOCNIK Helmut POT Z INGER Margareta PR ANGL Eve
RRER Wilhelmine PUSTER Hannes QUAISER Mar tin R ADASCHIT Z Christina R ADL Gerhard R AHBERGER Mich
GUL A Sandra REHAGEN Irmgard REINGRUBER Dieter Manfred REINISCH Karl REINISCH Maria REINISCH Jü
nz REUMÜLLER Eva RICHTER - K ERNREICH Sabina RIECK- DIL SK Y Franz RIEDRICH Elisabeth RIEGER He
d RUCK ENSTUHL Hans Peter RUCK ER Petra RUDERER - K NOLLMAY R Johann SACHS Harald SACK L Eva- M
G Elisabeth SCHADENBAUER Kuniber t SCHAFFER Daniel SCHAFLER Johannes SCHÄFMANN Herber t S
beth SCHEUCHER Werner SCHEUCHER Bernhard SCHEUERMANN Elisabeth SCHIFFER Marie -Theres SCH
LÖGL Margit SCHLÖGL Ursula SCHMER Sandra SCHMID Johannes SCHMIDBAUER Hermann SCHMIED Ute S
HOBER Rober t SCHOBER Johann A lois SCHOLLER Thomas SCHORS Helmut SCHOT TER Josef SCHR AMM
AB Thomas SCHWABL Elisabeth SCHWAIGER Ger fried SCHWAR Z Günter SCHWAR Z Iris SCHWAR Z Kerstin
UF Z ER Gerald SIDAK Brigit te SIEBENBÄCK Heidrun SILBERSCHNEIDER Jürgen SIMBÜRGER Klemens SIME
a- Christine SPIT Z ER - G ABRIEL A nna- Maria SPREIT Z HOFER Verena SPULLER Beatrix STACHERL Roswitha
RN Doris STOISER - NESTL Jasmine STONI Silvia STÖRI Mar tin STOT TER Siegmund STR ACHWIT Z Herber t S
Brigit te STROMBERGER Florian STRY ECK Silke STUBEN VOLL- PUFF Sieglinde STURMER - KONR AD Gerhar
Rober t TANT SCHER Elke TARMANN Bernhard TARTLER Brigit te TA X Maria TEMMEL Franz TENGG Susann
as TR ANTUR A Jenny TR APPL Sandro TR AUSSNIG Richard TRIEB Siegfried TRÖSTER Elisabeth TROHA A lo
RSTEINER Florian UNTERWEGER Manfred VALL ANT Goran VASIL JE VIC - LOCH Manuela VATERL Christian V
ALTERSDORFER Astrid WEBER Johannes WEBER Mar tin WEBER Wilfried WEBERN Johannes WEIDACHER
WENDLER Thomas WENZ EL Bernhard WESENER Peter WESIAN Gabriele WIENER Rudolf WIENER Edith WIE
Helga WIPPEL Johann WOHLESSER Ingrid WOLF Her wig WONKO Mat thias WÜNSCHER Ursula WUNDE
R A lexander Z ERKOWIT Z Waltraud Z IERSCH Astrid Z IMMERMANN Bianca Z ITNIK Wolfgang Z NIVA
ine AMERSTORFER A lois AMSCHL Christine ANDERS Dorothea ANDRIT Z Claudia ARMBRUSTER Hansjörg
BAUER Christian BAUERNHOFER Johann BAUERNHOFER A lois BAUMANN A nton BAUMGARTNER Ewald
old BISCHOF Siegfried BISCHOF Eveline BL AINDORFER A ndrea BLODER A ndrea BODNER Daniela BÖHM
Christian BRUNNER Ingrid BRUNNER A nton BUCHBERGER Ger t BUCHEGGER Johannes BURGSTEINER
nnes DERLER Elisabeth DEUTSCH Marion DEUTSCH Josef DIEBALD Dimitrios DIMITRIOU Mario DJUZ ELIC
HITS - HAL A J Eva Maria DREISIEBNER Karl ECK HART Maria EDEL SBRUNNER Reinhold EDEL SBRUNNER
NER Ingrid EISNER Irmgard EISSNER A nna EL SNEG Günter ENDERLE Josef ENGELBOGEN Eva ENGLER
R Josef FELDHOFER Gerlinde FELGITSCHER Roland FELGITSCHER Adolf FERSTL Aoisia FERSTL Norber t
ER Stefan FREIDL Florian FREISSMUTH Bernhard FREUDENTHALER Christina FRIT Z Elisabeth FRÖHLICH
ASSNER Erna GASSNER Karin GAUSTER Günther GEIEREGGER Ger t GENSER A lessandro GEROMELL A
a GÖTSCHMAIER Marlies GÖT Z L Walter GÖT Z L Roswitha GOGG Elfriede GOISER Patricia GOL AUTSCHNIG
E Johannes GR AT Z ER Franz GREIMEL Ewald GREINIX Mar tin GREINIX Mar tina GRIESSLER Bet tina GRILL
R A nita GRUBER Walter GRUBER Charlot te GRUNDNER Franz GSCHWEITL Ilse GSPURNING Elmira GULO
Sieglinde HAIDACHER Walter HAIDACHER Astrid HAIDEN Jörg HALLEUX A rndt M. HALLMANN Roswitha
ris HASEWEND Christina HASIBA Mario HAT Z Walter HAT Z A nnemarie HAT Z L Markus HAUP TMANN Florian
m HER Z ER Gabriele HET Z ENDORF- ORESNIK Markus HIEBLER Mar tina HIERZ ENHOFER Ingrid HIERZ ER
HOFER Josef HOFER A ndrea HOFMAIR Susanne HOFMANN Heriber t HOFMEISTER Ger fried HOLD Monika
abriele JAINDL A ngela JAMBREC Wolfgang JAMBREC Wolfgang JAMMERNEGG Mar tina JANISCH Manfred
ER A ndreas K AHR Manfred K AHR Renate K AHR Eva K AHR - FRÖHLICH Margareta K AINDL Maria K AINER
NER Rudolf K ARNETSCHNIGG Karin K ASCHNIGG Karin K ATSCHNIG Helmut K AUDEL Gerhard K AUFMANN
ristina KIRCHENGAST Doris KIT TINGER Manfred K L AMPFER A nton K L APSCH Marianne K L ASNIC Kordula
LL Evelyn KOCH Gernot KOCH A lber t KÖCK Ernestine KÖCK Johann KÖCK Stephan Michael KÖCK Johann
rin- Gabriela KOLB Maria KOLB Renate KOLLEGGER Michaela KOLLER Philipp KOLLER Winfried KOLLER
K R ANZ Marco K R AUTNER A nna K R A XNER Astrid K R A XNER Isabella K R A XNER Thomas K R A XNER Franz
GR ABER Rober t KUNTNER Christian KUPFER Heinz- Jürgen KUPSCH Brigit te KURZ A lfred L ACK NER Josef
ANZ Har tmut L AUFK E Michaela LEBITSCH Gabriele LECHNER Johann LECHNER Michaela LECHPAMMER
RCHBACHER Sabrina LESK Y Katrin LESNIK Christiane LET TMAY ER Uwe LE XNER Elisabeth LIND Susanne
NBERGER Heidemarie MACHER Karl MACHER Helene MADNER Daniel MAIER Claudia MAIERHOFER Ina
Peter MAR X Ernst MASTNAK Harald MATL Margret MATL SCHWEIGER A nneliese MATSCHINEGG Marianne
RFER Paulus MAY R Franz MEIREGGER Iris MEISENBICHLER Helmut MEISTER Markus MEISTER Hannes
arin MOR ARU Veronica MOR ARU Verena MORO Johannes MÖRTH Marie -Therese MÖRTH Waltraud MÖRTH
NGER Maria NAGER Beatrix NAR ATH Christian NEBEL Heinz NEBEL Daniela NEMECEK Sandra NEUBAUER
FNER Josef Gerhard ORNIG Wilhelm ORTNER A ndreas OSL AJ Ulrike OSWALD - K R AINER Gabriele PA AR
PEINSIT T A lois PEL Z MANN Meike PERL Sabrina PERSCHLER Mar tina PESSENHOFER Werner PETSCHNIK
nnes PINEGGER Mia-Ileana PINEGGER Thomas PINTHER Michael PINTSCHER Ingrid PIRER Ger t PIRK ER
hristine PODMENIK Gerhard PODMENIK Gundula PODREPSEK- SCHWARZ Richard PÖLLINGER Elisabeth
elyn PR ANTER Ulrike PR ATH Harald PR ATSCH Irmgard PREDOTA Franz PREITLER Johannes PREM Werner
hael R AHM Christine R AINBACHER Randolf R AINER Konrad R ANNAK Franz R APPOLD Christa R AT TINGER
ürgen REINTHALER Gerhard REISCHER Her wig REISENHOFER Manfred REISINGER Doris REISSMÜLLER
ermann RIEGLER Regina RIEGLER Theresia RIT TER Mar tina RIT Z Susanne RÖGER Franz ROGI Günther
Maria SAFR AN Manuela SAFR AN Ulrike SAGMEISTER S ylvia SAILER Chris SAL A Monika SAL AWA A riane
CHAGER Stefan SCHANDOR Gabriele SCHANES -WALENTA Daniela SCHANTL Petra SCHEER Reinhold
HIG AN Petra SCHINTLER -T SCHRIE TER Harald SCHISTER Theresia SCHISTER Manuela SCHL AG Dietmar
SCHMIED Mar tin SCHMIERDORFER Ferdinand W. SCHNABL Gerhard SCHNEDLIT Z Karl SCHNEEBACHER
MEL Markus SCHR ANGL Rosemarie SCHREIBMAY ER Renate SCHREINER Michael SCHRÖT TNER Peter
SCHWAR Z Renate SCHWAR Z ENEGGER Er win SCHWEINZ ER Margit SCHWEINZGER Sonja SCHWIMMER
ENKO Markus SIMMERSTAT TER Petra SIMO A nton SINGER Wolfgang SIX T Tatjana SK ALE A nita SK EDEL J
a STADLER Monika STANGL Helga STEGER Peter STEGER Peter STEINBERGER Mario STEINER Daniela
STR ALLHOFER Cornelia STR ANZ Elfriede STR AUSSBERGER Peter STREIBL Christina STREICHER Rudolf
rd SUDI Isabel SUPPAN O t to SUPPANSCHIT Z Klaus SUSCHNIGG Elisabeth SUT TNIGG - GRUBER Marianne
ne TERSANSK I Liselot te TEUSCHLER Edith THALER Christian THEISSL Michael THIER Rosalinde THIER
ois TRUMMER Bet tina TRUMMER Claudia TRUMMER Siegfried TRUMMER Johannes T SCHEMMERNEGG
V EIT SBERGER Bernd V ERONIG Wilhelm VOLLER Bernhard WAGNER Gunther WAGNER Mar tina WAGNER
R A lexander WEIGL Beate WEIGL Werner WEINGR ABER Michael WEINGRILL Gerhard WEINHANDL Maria
ESER Rosa- Maria WIESER Sabine WIESER Ulrike WIESER Evelyn WILDBACHER Doris WINK LER Gerhard
ER Renate WUNDERL Norber t WUR Z INGER Bet tina Z ACH Josef Z ACHENEGGER Birgit Z AUHAR Ingrid
Mar tin ZÖCH A nna ZÖHRER Michael ZÖL Z ER Peter ZÖRNER Daniela ZOT TER Ingrid ZÜGNER
956 PEOPLE IN THE RAIFFEISENL ANDESBANK STEIERMARK AG
STRIVE TO EARN YOUR TRUST
EVERY DAY.
CONTRIBUTING TO THE SUCCESS
As of 31 December 2008, our staff is comprised of
DEVELOPING EXECUTIVES
888 men and women. That means 888 times the competence and commitment for the Raiffeisen-Landes-
The development of executives was once again a fo-
bank.
cus in 2008. In the last two years, initial steps were
taken in workshops with all executives to further de-
38
Every business is a living organism. One feels this
velop the leadership in the group on a wide scale.
quite strongly in human resources management. 68
A significant focus of this work was communicating
staff members were transferred to us from our sub-
our strategy and implementing central management
sidiary company, the Landes-Hypothekenbank Stei-
tools, such as appraisal interviews. The new work-
ermark AG. Thus besides hirings, retirements and
shop series in 2008 was connected to previous
reorientations, there was a lot going on in the Raiffei-
workshops. Around 170 executives of the Raiffeisen-
sen-Landesbank once again.
Landesbank and the Landes-Hypothekenbank Steiermark AG took part in it. The aim was to make our
executives fit for the common challenges and to sensitize and train them for them.
NEW COMPANY PHYSICIANS TEAM
MOVE YOUR MIND
Our health management was also restructured in
Our first ideas competition, “Move your mind”, took
2008 by forming a new team of company physicians.
place in 2008. Staff members were invited to pro-
Two women physicians and a male physician will take
pose ideas and suggestions for improvement. The
care of our staff from now on. It is not an easy task
staff often knows exactly what could be done better
for our three physicians, since they have to provide
and where potentials could be raised. However, they
the best possible care to our Graz and Graz-Raaba
often don’t get the chance to propose ideas and sug-
locations. One important task will be to stay in touch
gestions. They could take part in “Move your mind”
with our staff members, not only during consultation
in teams of two to five people. The success of this
times, but also right at the workplace.
initiative exceeded all expectations. 46 proposals
were submitted. Then a jury of eight experts judged
the proposals. In the end, the winning idea was “the
photo of my choice on my savings book”. All of the
other ideas will be examined for their feasibility and
implemented if applicable.
2008 ANNUAL REPORT
IDEAS OF THE RAIFFEISEN-L ANDESBANK:
39
From the left: Mathis HUBER, Michael HÖLLWARTH, Mario HA AS
Raiffeisen is a bank and, at the same time, much
“FESTIVALS NEED SPONSORS AND
more than a bank. Raiffeisen is also one of the big-
ST YRIARTE IS NO EXCEPTION. WE PL AN
gest sponsors in Styria. Whether it is sports, art or
FOR THE LONG-TERM AND HAVE TO BE
social programs, we are aware of our responsibility
ABLE TO TRUST OUR PARTNERS.”
and give a part of our profits back to society in the
Mathis Huber, styriarte
form of sponsoring. In this way, what at first glance
seems impossible is possible. A lot of things are
Since then, we have helped to make many things
easier with our help. Young athletes can train. The
possible. 2008 was the year of Mozart’s “Idomeneo”.
first team turns into a winning team with our help and
Of course, we were also a part of this.
storms from win to win or smoothly sinks the basket
In 1973, we founded the “Kinder ins Theater” (Child-
like a panther.
ren into the Theatre) program so there would be an
audience for concerts, plays, musicals and operas
“A WELL-OILED TEAM IS JUST AS IMPORTANT
in the future. This is where children from all over Sty-
IN FOOTBALL AS IN BUSINESS. YOU CAN
ria are invited to the opera. Around 450,000 Styrian
ONLY SUCCEED IF YOU CAN COUNT ON EACH
children have taken part in this program so far. 2008
OTHER AND TRUST YOUR TEAMMATES.”
was no different. And finally we organise our own
Mario Haas, SK Puntigamer Sturm Graz
events. The Raiffeisen bank at Tummelplatz is turned
into the Raiffeisen Gallery four or five times a year.
The competition can take place and Styria can
Since the gallery opened its doors in 2002, many out-
show itself to be a good host. The opera attracts its
standing artists have been our guests. Ernst Fuchs,
audience, the music class can hold its concert and
Hans Staudacher, Arik Brauer and Gerald Brettschuh
the pictures find an exhibition in which they can be
are just a few of many. In 2008, Wolfgang Garofalo,
presented. The historic building structure is protect-
Beate Rüsch, Markus Szyszkowitz and Peter Pon-
ed, the books are published and exhibitions and
gratz had exhibitions in our gallery.
museums are promoted with our help. One of our
most outstanding sponsorships is our commitment
But we don’t only care about art and sports. We are
to styriarte. We have been the main sponsor of this
also deeply committed to social programs. This is in
Styrian cultural festival since 2001.
our nature. In the beginning, we were an emergency
association in which the cooperative members supported, protected and helped each other. The times
have improved. A successful banking group grew out
of an emergency association. Today we gladly assist
those who are still dependent on help. Once again
2008 ANNUAL REPORT
THE BASIS OF TRUST IS LIVED
SOCIAL RESPONSIBILITY.
41
we supported many social projects in 2008. For example, we co-financed dolphin therapy for a girl and
donated the proceeds of the tombola of the Raiffeisen-Landesbank Summer Festival to two young
people, who have not had an easy fate. In 2008, we
installed our first blind-friendly cash machine so that
visually impaired people can safely withdraw money.
42
An example that many others are now following. We
arrived at the opening of the Bärenburg (Bear Castle), the children’s safety house on the grounds of the
Graz Provincial Hospital, with a generous cheque.
“CHILDREN ARE OUR FUTURE. PROTECTING
THEM AND INVESTING IN THEIR SAFET Y
MEANS STABILIT Y AND SUSTAINABILIT Y
FOR US.”
Michael Höllwarth, University Clinic for Pediatric
Surgery
For we have always cared a great deal about the safety and well-being of children. Therefore, we took our
info event “mobil und sicher” (mobile and safe) on the
road again in 2008 for the third time to a total of 30
Styrian schools. This event educates 14 and 15-year
olds about alcohol and drugs, traffic safety as well as
money. The provincial school board, the “drug judge”
Helmut Wlasak, the ARBÖ Austrian Automobile Association, the ÖAMTC Austrian Automobile, Motorbike and Touring Club and the Austrian Road Safety
Board were once again on board in 2008.
WHOEVER HAS DEEP ROOTS CAN
WEATHER ANY STORM. WE HAVE THE
DEEPEST ROOTS OF ANY AUSTRIAN
BANK.
martin jeindl
RAIFFEISENL ANDESBANK
STEIERMARK
Kaiserfeldgasse
Annenstraße
Herrgottwiesgasse
Mandellstraße
Moserhofgasse
Ragnitz
St. Leonhard-LKH
Steirerhof
Theodor-Körner-Straße
Tummelplatz
Zinzendorfgasse
Frohnleiten
ADMONT
Admont
Altenmarkt bei St.
Gallen
Ardning
Landl
St. Gallen
ANGER-PUCHKOGLHOF
Anger
Koglhof
Lebing
Puch bei Weiz
BAD RADKERS BURG-KLÖCH
Bad Radkersburg
Klöch
BAD WALTERSDORFSEBERSDORFNEUDAU
Bad Waltersdorf
Sebersdorf
Neudau
BIRKFELD - OBERES
FEISTRITZ TAL
Birkfeld
Fischbach
Gasen
Miesenbach
Ratten
Rettenegg
St. Kathrein am
Hauenstein
Strallegg
BREITENAU
Breitenau
DECHANTSKIRCHEN-PINGGAU
Dechantskirchen
Pinggau
St. Lorenzen am
Wechsel
Schäffern
DEUTSCHL ANDS BERG
DeutschlandsbergRaiffeisenstr.
DeutschlandsbergHauptplatz
Frauental
St. Martin im Sulmtal
EDELSCHROT T
Edelschrott
Hirschegg
EGGERSDORF BEI
GRA Z
Eggersdorf bei Graz
Kumberg
St. Radegund
EIBISWALD ST. OSWALD
Eibiswald
Aibl
St. Oswald ob Eibiswald
FEHRING-ST. ANNA
AM AIGEN
Fehring
Kapfenstein
Lödersdorf
St. Anna am Aigen
FELDBACH-BAD
GLEICHENBERG
Feldbach
Bad Gleichenberg
Mühldorf
FELDKIRCHENK ALSDORF
Feldkirchen
Kalsdorf
FÜRSTENFELD
Fürstenfeld
Altenmarkt bei Fürstenfeld
Bad Blumau
Burgau
Loipersdorf bei Fürstenfeld
Therme Loipersdorf
Übersbach
GAMLITZ
Gamlitz
Ehrenhausen
GLEINSTÄT TEN
Gleinstätten
Großklein
Heimschuh
Kitzeck im Sausal
St. Andrä im Sausal
GLEISDORF
Gleisdorf-Florianiplatz
Gleisdorf-LudwigBinder-Straße
Gleisdorf-Neugasse
St. Margarethen an der
Raab
Sinabelkirchen
GNAS
Gnas
GRATKORN
Gratkorn
Deutschfeistritz
Peggau
GRAT WEIN
Gratwein
Judendorf-Straßengel
St. Oswald bei Plankenwarth
GRA Z-ANDRITZ
Graz-Andritz
Graz-Augasse
Graz-St.-Veiter-Straße
Thal
GRA Z-MARIATROST
Graz-Mariatrost
Graz-Geidorf
Graz-Mariagrün
GRA Z-ST. PETER
Graz-St. Peter
Graz-Liebenau
Graz-Schillerplatz
Hart bei Graz
Raaba
GRA Z-STRASSGANG
Graz-Straßgang
Graz-Alte Poststraße
Graz-Eggenberg
Graz-Puntigam
Graz-Wetzelsdorf
Seiersberg
SCS Seiersberg
GRÖBMING
Gröbming
Aigen im Ennstal
Irdning
Kleinsölk
Pruggern
Stainach
Stein an der Enns
Trautenfels
GROSS ST. FLORIANWET TMANNSTÄT TEN
Groß St. Florian
Wettmannstätten
GROSSSTEINBACH
Großsteinbach
Großhartmannsdorf
GROSSWILFERS DORF
Großwilfersdorf
Hainersdorf
Söchau
Nestelbach im Ilztal
Ottendorf
JUDENBURG
Judenburg-Hauptplatz
Judenburg-Burggasse
Möderbrugg
Oberzeiring
St. Georgen ob Judenburg
Unzmarkt
K AINDORF
Kaindorf
KIRCHBERGEDELSBACH
Kirchberg an der Raab
Edelsbach bei Feldbach
HALBENRAINTIESCHEN
Halbenrain
Tieschen
KNIT TELFELD
Knittelfeld
Gaal
Großlobming
Kobenz
St. Lorenzen
St. Marein
Spielberg
HARTBERG
Hartberg
St. Johann in der Haide
Schildbach
LEIBNITZ
Leibnitz
Neutillmitsch
Wagna
HATZENDORFUNTERL AMM
Hatzendorf
Unterlamm
LEOBEN-BRUCK
Kompetenzzentrum
Kapfenberg
Bruck a. d. Mur
Eisenerz
Hieflau
Kompetenzzentrum
Leoben
Niklasdorf
Pernegg
Proleb
Radmer
St. Katharein/Laming
St. Peter/Freienstein
Tragöß
Kompetenzzentrum
Trofaiach
Vordernberg
HAUSMANNSTÄT TEN
Hausmannstätten
Fernitz
Graz-Thondorf
Vasoldsberg
HEILIGENKREUZKIRCHBACH
Kirchbach in der
Steiermark
Heiligenkreuz
a. Waasen
HITZENDORF
Bankstelle Hitzendorf
Beratungscenter
Hitzendorf
ILZ
Ilz
LEUTSCHACHOBERHA AGST. JOHANN I. S.
Oberhaag
Arnfels
Leutschach
St. Johann im
Saggautal
LIEBOCH-STAINZ
Stainz
Lannach
Lieboch
Tobelbad
LIESINGTAL
Mautern
Kalwang
Kammern im Liesingtal
St. Michael ob Leoben
Wald am Schoberpaß
LIEZEN
Liezen
Lassing
Selzthal
Weißenbach bei Liezen
Wörschach
LIGIST-ST. JOHANN
Ligist
KrottendorfGaisfeld
St. Johann
ob Hohenburg
MARIA ZELLERL AND
Mariazell
Gußwerk
Mitterbach am See
Wildalpen
MARKT HARTMANNSDORF
Markt Hartmannsdorf
MIT TLERES
MÜRZ TAL
Krieglach
Allerheiligen-Mürzhofen
Kindberg
Mitterdorf im Mürztal
Stanz im Mürztal
Veitsch
Wartberg
MOOSKIRCHENSÖDING
Mooskirchen
Söding
MURAU
Murau
Krakaudorf
Murau-St. Egidi
Ranten
St. Georgen ob Murau
St. Lambrecht
Schöder
Stadl an der Mur
MURECK
Mureck
Deutsch Goritz
Gosdorf
Lichendorf
Mettersdorf am
Saßbach
St. Peter am Ottersbach
NESTELBACH-ST.
MAREIN-L ASSNITZHÖHE
Nestelbach/
Schemmerlhöhe
Laßnitzhöhe
St. Marein bei Graz
NEUMARKTSCHEIFLING
Neumarkt
Mühlen
Scheifling
NÖRDLICHE OSTSTEIERMARK
Grafendorf
Eichberg
Lafnitz
Mönichwald
St. Jakob im Walde
Waldbach
Wenigzell
OBDACHWEISSKIRCHEN
Obdach
Weißkirchen
OBERES MÜRZ TAL
MürzzuschlagGrazer Straße
MürzzuschlagStadtplatz
Kapellen an der Mürz
Langenwang
Neuberg an der Mürz
Spital am Semmering
ÖBL ARN
Öblarn
Donnersbach
St. Martin am Grimming
PALDAU-STUDENZEN-
EICHKÖGL
Studenzen
Paldau
PASSAIL
Passail
Fladnitz-Teichalm
Gutenberg a. d. Raabklamm
St. Kathrein am
Offenegg
Semriach
PISCHELSDORFSTUBENBERG
Pischelsdorf
Hirnsdorf
Stubenberg
PÖLL AUVORAU
Pöllau
Vorau
PÖLSTAL
Fohnsdorf
Hohentauern
Pöls
St. Johann a. T.
Zeltweg
PREDINGHENGSBERGST. NIKOL AI/S.
Preding
Hengsberg
St. Nikolai im Sausal
ST. MARGARETHENSECK AU
St. Margarethen bei
Knittelfeld
Seckau
ST. RUPRECHT
AN DER RA AB
St. Ruprecht an der
Raab
ST. STEFAN- JAGERBERG-WOLFSBERG
St. Stefan im Rosental
Jagerberg
Wolfsberg im
Schwarzautal
ST. STEFANKRAUBATH
St. Stefan ob Leoben
Kraubath
SCHILCHERL AND
St. Stefan ob Stainz
Bad Gams
St. Josef
Wildbach
SCHL ADMINGRAMSAU-HAUS
Schladming
Aich-Assach
Ramsau am Dachstein
Haus im Ennstal
SCHWANBERG
Schwanberg
REIN-ST. BARTHO LOMÄ-STIWOLL
St. Bartholomä
Rein
Stiwoll
STALLHOFEN
Stallhofen
Södingberg
RIEGERSBURGBREITENFELD
Riegersburg
Breitenfeld
STEIRISCHES
SALZK AMMERGUT
Bad Mitterndorf
Bad Aussee
Pichl-Kainisch
Tauplitz
ST. GEORGEN A. D.
STIEFING
St. Georgen an der
Stiefing
Ragnitz
ST. LORENZEN IM
MÜRZ TAL
St. Lorenzen im Mürztal
St. Marein im Mürztal
STRADEN
Straden
STRASS -SPIELFELD
Straß
Gabersdorf
St. Nikolai ob Draßling
St. Veit am Vogau
Spielfeld
TEUFENBACH- OBERWÖLZ-ST.PETER
Teufenbach
Mariahof
Nieder wölz
Ober wölz
St. Peter am
Kammersberg
Schönberg-Lachtal
TRIEBEN
Trieben
Gaishorn
Rottenmann
TURNAU-AFLENZETMISSL
Turnau
Aflenz Kurort
Etmißl
ÜBELBACH
Übelbach
UNTERPREMSTÄT TEN
Unterpremstätten
Dobl
Wundschuh
VOITSBERG
Voitsberg
Bärnbach
Geistthal
Kainach bei Voitsberg
Köflach
Krems
Modriach
Rosental a. d. Kainach
St. Martin/ Wöllmißberg
WEIZ
Weiz
Heilbrunn
Weiz-Center Süd
WIES
Wies
Pölfing-Brunn
WILDON-LEBRING
Wildon
Allerheiligen bei Wildon
Lebring
Weitendorf
RAIFFEISEN IS ALWAYS NEARBY
A sign can be seen across Styria: the Raiffeisen ga-
Our advantage in this respect is that you can always
ble cross. It is an old protection symbol that should
find a Raiffeisen bank nearby in foreign markets. For
ward away harm and danger. And the gable cross
the Raiffeisen idea has spread to other countries,
is our trademark because we also want to protect
too. In the meantime, Raiffeisen is in 15 Central and
against financial harm.
Eastern European countries. We offer Styrian companies Austrian banking know-how so they can do
There are 336 Raiffeisen bank branches in Styria,
business there.
more than any other bank. In places where there
hasn’t been a general store, a priest, a court, a post
SECURIT Y is written in capital letters at Raiffeisen.
office and the police for a long time, there is still a
We have put together a long-standing network of se-
Raiffeisen branch. We offer the people and the econ-
curity features, whose top priority is to protect our
omy of Styria 336 times the competent advising and
customer’s deposits. We have a solidarity associati-
best service. Thus, it is with good reason that we are
on that recognizes early on if economic difficulties th-
the number 1 local financial provider of Styria. And
reaten a Raiffeisen bank and promptly counters them.
this for the last 115 years.
The Raiffeisen-Geldorganisation Steiermark (Raiffeisen Money Organisation Styria) has founded its own
No one knows the Styrian market as well as us be-
customer guarantee association. It guarantees all
cause we are firmly anchored in the region. Our
private and corporate customer deposits in full. This
decisions are made locally and not in neighbour-
is more than the legal deposit insurance guarantees.
ing countries or any where else. We are at home in
In addition, there is still the Raiffeisen-Kundengaran-
Styria, there where our customers are at home. And
tiegemeinschaft Österreich (Austria Raiffeisen Cus-
our customers are also our owners. Not anonymous
tomer Guarantee Association), of which we are, of
hedge funds or foreign investors, but Styrians. There
course, a member. Thus, our customers’ money is
are around 500,000 in Styria alone. Thus, Raiffeisen
safe with us.
can be called a Styrian company with good reason.
We accompany our customers around the world from
Styria, because Styrian companies are active worldwide and, therefore, so are we.
RAIFFEISEN BANKING GROUP
STYRIA FACTS AND FIGURES
AS OF 31 DECEMBER
Number of Raiffeisen banks
Number of Raiffeisen bank branches
Members
2007
89
90
336
338
501,031
501,015
Functionaries
1,144
1,178
Staff members
3,088
3,058
DEPOSITS
48
2008
Initial deposits
103,2
107,8
11,501 m
10,533 m
Savings deposits
8,642 m
8,174 m
Demand, time and foreign currency deposits
2,859 m
2,359 m
162,6
182,1
Number of savings accounts
1,127,973
1,148,193
Number of current accounts
576,238
552,305
ACCOUNTS
BUILDING SOCIETY SAVINGS
13,9
16,0
Balance of building society deposits
822 m
827 m
Balance of building society loans
609 m
603 m
305,712
304,697
Number of securities deposits
101,169
98,050
Securities holdings
4,179 m
3,675 m
257,380
236,436
382 m
341 m
Assessed sum insured
4,845 m
4,772 m
Total volume of surrender values
1,182 m
1,095 m
11,081 m
10,065 m
Number of building loan contracts
CUSTOMER SECURITIES
LIFE INSURANCE
Number of contracts Calculated annual premiums
LOANS
Not incl. building society loans 50
EVEN GOOD SHIPS SOMETIMES SAIL
ON STORMY SEAS. A WELL-OILED
TEAM HELPS YOU STAY ON COURSE.
THIS IS ALSO TRUE FOR BUSINESS.
markus mair