DOCSLIB.ORG

BANK FÜR TIROL UND VORARLBERG AKTIENGESELLSCHAFT SHAREHOLDERS' REPORT: INTERIM REPORT AS at 30/09/2020 Interim Report Contents

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
BANK FÜR TIROL UND VORARLBERG AKTIENGESELLSCHAFT SHAREHOLDERS' REPORT: INTERIM REPORT AS at 30/09/2020 Interim Report Contents BANK FÜR TIROL UND VORARLBERG AKTIENGESELLSCHAFT SHAREHOLDERS' REPORT: INTERIM REPORT AS AT 30/09/2020 Interim Report Contents 2 Important dates for BTV shareholders in 2020 12 BTV Group: notes to the accounts 2020 15 Accounting and valuation principles 3 BTV Group at a glance 30 Significant events during or after the reporting period 31 Notes on the balance sheet – Assets 39 Notes on the balance sheet – Liabilities Management report and notes on BTV 43 Notes on the statement of comprehensive income Group business trends 47 Other and supplementary notes on the balance sheet 4 Economic environment 56 Segment reporting 5 BTV shares 6 Balance sheet and profit trend 61 Statements by the statutory representatives Abridged consolidated financial statements 8 Balance sheet 62 Imprint 9 Statement of comprehensive income 10 Statement of changes in equity 11 Cash flow statement Important dates for BTV shareholders Annual General Meeting 10/06/2020, 11:00 a.m., Stadtforum 1, Innsbruck (held virtually) The dividend will be published on the BTV homepage and in the gazette of the Wiener Zeitung the day after the Annual General Meeting. Ex-dividend date 16/06/2020 Payment of dividend 18/06/2020 Interim report as at 31/03/2020 Published on 29/05/2020 (www.btv.at) Half-Year Financial Report as at 30/06/2020 Published on 28/08/2020 (www.btv.at) Interim report as at 30/09/2020 Published on 27/11/2020 (www.btv.at) 2 BTV Interim Report as at 30/09/2020 BTV Group at a glance Profit and loss in EUR million 30/09/2020 30/09/2019 Change in % Net interest income 100.0 100.7 –0.6% Loan loss provisions in the credit business –27.0 2.0 >–100% Net commission income 40.4 36.3 +11.2% Revenue from companies valued at equity 21.2 40.5 –47.7% Operating expenses –140.6 –145.8 –3.5% Other operating income 74.2 79.7 –7.0% Annual net income before tax 66.9 124.2 –46.2% Group net profit for the period 53.6 105.2 –49.0% Balance sheet figures in EUR million 30/09/2020 31/12/2019 Change in % Balance sheet total 13,636 12,549 +8.7% Loans to clients after risk provisions 8,166 7,938 +2.9% Primary funds 9,364 8,937 +4.8% of which savings deposits 1,517 1,391 +9.1% of which own issues 1,374 1,421 –3.3% Equity 1,786 1,749 +2.1% Managed deposits 15,917 15,717 +1.3% Regulatory capital (CRR) in EUR million 30/09/2020 31/12/2019 Change in % Total risk amount 8,318 8,300 +0.2% Capital 1,331 1,293 +3.0% of which common equity (CET1) 1,106 1,087 +1.8% of which total core capital (CET1 and AT1) 1,106 1,087 +1.8% Common equity Tier 1 ratio 13.3% 13.1% +0.2 pp Core capital ratio 13.3% 13.1% +0.2 pp Equity ratio 16.0% 15.6% +0.4 pp Change in Key indicators in percentage points 30/09/2020 30/09/2019 percentage points Return on equity before tax (RoE) 5.1% 9.9% –4.8 pp Return on equity after tax 4.1% 8.4% –4.3 pp Cost/income ratio 59.8% 56.0% +3.8 pp Risk/earnings ratio +27.0% –2.0% +29.0 pp Number of resources 30/09/2020 30/09/2019 Change figure Weighted average number of employees 1,459 1,505 –46 Number of branches 36 36 +0 Key indicators for BTV shares 30/09/2020 30/09/2019 Number of ordinary no par value shares 31,531,250 31,531,250 Number of preference shares 2,500,000 2,500,000 Highest price of ordinary/preference share in EUR 30.00/27.80 29.20/26.80 Lowest price of ordinary/preference share in EUR 26.80/24.80 23.80/21.80 Closing price of ordinary/preference share in EUR 29.40/27.00 29.00/26.80 Market capitalisation in EUR million 995 981 IFRS earnings per share in EUR 1.95 3.95 P/E ratio, ordinary share 15.1 7.3 P/E ratio, preference share 13.8 6.8 BTV Interim Report as at 30/09/2020 3 Management report and notes on BTV Group business trends in 2020 Economic environment However, in the third quarter, credit spreads narrowed on the After COVID-19 had been successfully contained in the second riskiest bond segments, namely high-yield bonds and emerging quarter, the number of cases rose again around the world in late market bonds. The expansionary monetary policies of the major summer. Nevertheless, the economic recovery continued in the central banks in the industrial regions, increasingly unconven- third quarter. In the industrial regions, the services sector tional monetary policy measures in emerging countries and an remained stable and retail sales exceeded pre-crisis levels. improved economic outlook were responsible for this develop- However, leading economic indicators for the services sector, ment. taking higher credit risks paid off in the third quarter. such as the Purchasing Manager Index, fell slightly towards the end of the quarter as rising case numbers once again made Long-term EUR interest rates fell again in the third quarter. selective lockdown measures necessary, hitting the services The 10-year EUR swap fell by 5 basis points to –0.23%. Money sector particularly hard. Industrial production rose in the third market interest rates (3-month Euribor) also recorded a slight quarter but has not yet returned to pre-COVID-19 levels due to fall of –0.50% (–0.42% as at 30/06/2020). weak global demand, although it has recovered from its second quarter low. Packages of measures introduced by central banks Currency markets and governments continued to provide support in the third The appreciation of the EUR against the USD began in the quarter, but the improvement in sentiment among businesses middle of the second quarter and continued in the third quarter. and consumers stagnated and remained well below pre-crisis This was the consequence, firstly, of a general "risk-on" mood in levels. The USA was unable to agree on a new aid package, the markets, triggered by the improved economic outlook and which is likely to have an impact on domestic consumption in the highly expansionary monetary policies of the Fed and the the coming months. Consumers are still relying on the high level ECB, as a result of which demand for safe havens such as the of support they received until the end of July, which is why US dollar fell. Secondly, the agreement on a European recovery retailers have so far not suffered from higher unemployment. fund led to greater perceived solidarity in the EU, which also had a positive impact on the stability of the EUR. As a result, Interest rates investors expected a less volatile and crisis-proof currency, In the third quarter, global central banks also stuck to their which is why the EUR appreciated significantly against the chosen path of expansionary monetary policy. Key interest rates US dollar in the third quarter. The EUR/USD exchange rate at record lows kept yields on comparatively safe government experienced a minor setback in mid-September as the US dollar bonds from the USA, the European core countries and Japan at became more popular as a safe haven in light of the rising very low levels. infection figures. Overall in the 3rd quarter, the EUR rose by +4.3% against the USD. At the end of the third quarter, The expansionary monetary policies of the major central banks the EUR/USD exchange rate stood at 1.17. not only depressed yields on comparatively safe government bonds through their record-low base rates and numerous The "risk-on" mood in the financial markets and the creation securities purchase programmes, but also lowered the risk of the EU recovery fund also led to an appreciation of the EUR premiums of riskier segments further. against the Swiss franc by just over 1.5% in the third quarter. On 30/09/2020 the EUR/CHF exchange rate was 1.08. The euro The "Pandemic Emergency Purchase Programme" (PEPP), rose by +2.0% against the Japanese yen in the third quarter. launched in mid-March, primarily benefited government bonds Once again, it was more the strength of the euro than the in the peripheral EUR area. The yield on 10-year Italian govern- weakness of the yen that drove the exchange rate from 121.2 ment bonds fell from 1.26% to 0.87% over the course of the at the end of June to 123.7 at the end of September. However, third quarter, while the yield on Spanish government bonds fell the yen was additionally burdened by comparatively weaker from 0.46% to 0.25%. The European Central Bank stepping up as Japanese economic data and the Bank of Japan's ultra-expan- an unconditional buyer on the bond market strengthened sionary monetary policy. investor confidence and led to a narrowing of risk premiums. Yields on European corporate bonds with good credit ratings Currency rates as of 30/09/2020: (investment grade) also fell markedly in the third quarter, as EUR/USD: 1.1702 these are also largely part of the ECB purchasing universe. EUR/CHF: 1.0808 EUR/JPY: 123.68 4 BTV Interim Report as at 30/09/2020 Performance of BTV shares in EUR 30,00 28,00 BTV ordinary share BTV preference share 26,00 24,00 BTV Stammaktie 22,00 BTV Vorzugsaktie 20,00 18,00 16,00 30.09.2015 30.09.2016 30.09.2017 30.09.2018 30.09.2019 30.09.2020 Stock markets The broad European stock market index (STOXX 600), on the After a rapid recovery in the second quarter, global stock other hand, posted meagre price gains of +0.2%.
Load more

Recommended publications
  • Presentation Dated: 18Th May 2018 Oberbank
    Oberbank AG – Presentation Dated: 18th May 2018 Oberbank. Not like anyotherbank. CONTENTS 2 5 Facts & Figures on Covered Pool Oberbank 1 4 Pages : 15 - 23 Pages : 35 - 42 Real Estate Market Presentation 3 in Austria 6 Pages: 3 - 14 Pages : 29 - 34 Expansion Funding Pages : 24 - 28 Pages : 43 - 45 Dr. Franz Gasselsberger Robert Musner CEO Deputy Head of Global Financial Markets 2 FACTSHEET OBERBANK Facts about Oberbank 7th largest bank in Austria Bank Total assets Average number of staff(FTEs) 2,050 1 Erste Group Bank 220.7 bn. 2 Raiffeisen Bank International AG 135.2 bn. Total assets 20.8 bn. 3 UniCredit Bank Austria AG 102.1 bn. 4 BAWAG P.S.K. 46.1 bn. Loans and advances to customers 5 Raiffeisenlandesbank OÖ 33.7 bn. 14.8 bn. 6 Raiffeisenlandesbank NÖ-Wien AG 24.3 bn. Customer funds 7 Oberbank 20.8 bn. under management 29.3 bn. 8 HYPO NOE Gruppe 14.4 bn. 9 Raiffeisenlandesbank Steiermark 11.5 bn. Source: Oberbank AG | Annual Report of regarding banks Date: 31/12/2017 3 ... … an independent regional bank in the heart of Europe … 4 IN AN ECONOMICALLY STRONG REGION THÜRINGEN Legend: SAXONY Branch X x Branches HESSE Erfurt 6 2 Prague 2 CZECH REPUBLIC Darmstadt 3 2004 BAVARIA 2 1990 2 SLOVAKIA 29 2009 BADEN- 6 2 26 WÜRTTEMBERG 5 4 Munich 8 3 Linz 4 10 Bratislava 3 3 2 AUSTRIA Budapest 2 1869 HUNGARY 2007 Source: Oberbank AG | Status: March 2018 5 INDEPENDENCE DEVELOPED OVER YEARS 1869 1990 2004 Founded in Linz Market entry in Market entry in Bavaria Czech Republic 1986 2009 Initial public offering Market entry in on the Vienna Stock Exchange Slovakia 150 Years of Oberbank 1952 1988 2002 2013 Creditanstalt First branch 100 Branches 150 Branches sells 1/3 in Vienna of its shares 1929 1985 1991 2007 Creditanstalt First branch in Lower Austria Foundation of Market entry becomes majority Drei-Banken-EDV in Hungary shareholder Source: Oberbank AG | Data: 31 March 2018 6 SHAREHOLDER STRUCTURE ENSURES INDEPENDENCE Bank für Tirol und Vorarlberg Aktiengesellschaft 16.15% Free float 36.01% Total capital 14.21% BKS Bank AG 31/12/2017 4.50% Wüstenrot Wohnungswirtschaft reg.
    [Show full text]
  • Financial Intermediation in Austria and Comparisons of Value at Risk Methods with Implications for Regulators
    Financial intermediation in Austria and comparisons of value at risk methods with implications for regulators Gabriela de Raaij, Burkhard Raunig and Walter Waschiczek1 1. Introduction Over the last decade, Austrian banks have experienced significant changes in their economic and legal environment. Increasing competitive pressure from non-bank financial intermediaries and foreign financial institutions have led to declining income from the traditional "core" business (lending and deposit taking) of Austrian banks. As a result, they are forced to substitute interest income with non- interest income to sustain certain levels of profitability. In addition, EMU will have a significant impact on the banking industry since Austrian banks will have to operate in a large and highly liquid euro financial market. Another important issue for Austrian banks as well as for regulators is the new capital adequacy directive (CAD) which is part of the Austrian Banking Act since 1st January 1998. The intention of the CAD is to provide an international "level-playing field" for financial institutions and to ensure national and global financial stability. According to the CAD, banks have, in addition to the so-called "standard approach", the option to use Value at Risk (VaR) models to determine their capital requirements for market risk that arise from their trading books. These rather advanced methods already have an important impact on risk measurement, risk management and capital requirements of major Austrian banks and will be even more important in the future. Both topics are of major importance for the Austrian banking industry and for the regulatory authorities as well. However, they cover rather different areas and are hard to present in an integrated manner.
    [Show full text]
  • A. Lista Ta' Entitajiet Sinifikanti Taħt Superviżjoni Belġju
    Il-lista ta’ entitajiet sinifikanti taħt superviżjoni u l-lista ta’ istituzzjonijiet inqas sinifikanti L-aħħar aġġornament: 30 ta’ Jannar 2015 A. Lista ta’ entitajiet sinifikanti taħt superviżjoni Skont l-Artikolu 49(1) tar-Regolament (UE) Nru 468/2014 tal-Bank Ċentrali Ewropew (BĊE/2014/17)1 (ir-Regolament Qafas tal-MSU), il-BĊE ppubblika lista bl-ismijiet tal-entitajiet taħt superviżjoni2 u l-gruppi taħt superviżjoni3 li jidħlu fis-superviżjoni diretta tal-BĊE (“entità sinifikanti taħt superviżjoni” u “grupp sinifikanti taħt superviżjoni”, skont id-definizzjoni li tinsab fl-Artikolu 2, punti (16) u (22), tar-Regolament Qafas tal-MSU4), bir-raġunijiet speċifiċi għal din is-superviżjoni diretta u, fil-każ ta’ klassifikazzjoni bħala sinifikanti abbażi tal-kriterju tad-daqs, bil-valur totali tal- assi tal-entità taħt superviżjoni jew tal-grupp taħt superviżjoni. B. Lista ta’ istituzzjonijiet inqas sinifikanti Il-BĊE ppubblika wkoll il-lista ta’ entitajiet taħt is-superviżjoni ta’ awtorità nazzjonali kompetenti. Skont l-Artikolu 49(2) tar-Regolament Qafas tal-MSU, il-lista fiha l-ismijiet tal-entitajiet taħt superviżjoni li hemm referenza għalihom fl-Artikolu 2, punt (20),5 u fl-Artikolu 2, punt (7),6 tar- Regolament Qafas tal-MSU, fejn huma msemmijin bħala “istituzzjonijiet inqas sinifikanti” bi qbil 1 Ir-Regolament (UE) Nru 468/2014 tas-16 ta’ April 2014 tal-Bank Ċentrali Ewropew li jistabbilixxi l- qafas għal kooperazzjoni fi ħdan il-Mekkaniżmu Superviżorju Uniku bejn il-Bank Ċentrali Ewropew u l- awtoritajiet nazzjonali kompetenti u ma’ awtoritajiet nazzjonali nominati (Regolament Qafas tal-MSU) (BĊE/2014/17) (ĠU L 141, 14.5.2014, p.
    [Show full text]
  • R E F E R E N Z
    Au szug aus unseren Referenzen RB Absdorf, HA der RB Region Wagram NÖ RB Eferding, Hanst. der RB Region Eferding OÖ RB Adlwang, Fil. der RB Region Sierning OÖ Oberbank Eggenfelden, Fil. der Oberbank AG, Linz D RB Alkoven, Fil. der RB Region Eferding OÖ RB Elsbethen-Glasenbach; Fil. des RVS Salzburg SBG SPK Alkoven, Fil. SPK Eferding-Peuerbach-Waizenk OÖ RB Enns, Hanst. der RB Enns OÖ RB Altenmarkt, Hanst. der RB Altenmarkt-Flachau-Eben SBG RB Enzenkirchen, Fil. der RB Region Schärding OÖ SPK Althofen. Fil. der Kärntner Sparkasse KTN Oberbank Erfurt, Fil. der Oberbank AG, Linz D RRB Ampass, Fil. der RRB Hall in Tirol T SPK Etsdorf am Kamp, Fil. der SPK Langenlois NÖ SPK Amstetten, Hanst. der SPK der Stadt Amstetten NÖ RB Eugendorf, Hanst. der RB Eugendorf-Plainfeld SBG RB Annaberg, Hanst. der RB Annaberg-Lungötz SBG RB Falkenstein, Fil. der RB Mistelbach NÖ RB Anthering, Hanst. der RB Anthering-Elixhausen SBG RB Feldbach, Hanst. RB Feldbach-Bad Gleichenberg STMK RB Aschau im Zillertal, Fil. der RB Zell am Ziller T Hypo Feldkirchen, Fil. der Hypo Alpe-Adria Klagenfurt KTN SPK Asten, Fil. der Allgem. SPK OÖ Bank AG OÖ SPK Feldkirchen, Hanst. der SPK Feldkirchen KTN RB Attnang, Fil. der RB Region Vöcklabruck OÖ VB Ferlach, Hanst. der VB Kärnten Süd KTN RB Auffach, Fil. der RB Wildschönau T RB Fernitz, Fil. der RB Hausmannstätten STMK pbank Bad Eisenkappel, Hanst. Posojilnica Bad Eisenk. KTN RB Frankenburg, Fil. der RB Region Vöcklabruck OÖ RB Bad Fischau-Brunn, Fil. der RRB Wiener Neustadt NÖ Oberbank Frankenmarkt, Fil.
    [Show full text]
  • Updated As of 01/06/2017 Changes Highlighted in Yellow
    NEW QUARTER TOTAL PDship per Previous Quarter Firm Legal Entity Holding Dealership AT BE BG CZ DE DK ES FI FR GR HU IE IT LV LT NL PL PT RO SE SI SK UK Current Quarter Changes Bank March 2016) ABLV Bank ABLV Bank, AS 1 bank customer bank customer 0 Abanka Vipa Abanka Vipa d.d. 1 bank customer bank customer 0 ABN Amro ABN Amro Bank N.V. 3 bank inter dealer bank inter dealer 0 Alpha Bank Alpha Bank S.A. 1 bank customer bank customer 0 Allianz Group Allianz Bank Bulgaria AD 1 bank customer bank customer 0 Banca IMI Banca IMI S.p.A. 3 bank inter dealer bank inter dealer 0 Banca Transilvania Banca Transilvania 1 bank customer bank customer 0 Banco BPI Banco BPI + 1 bank customer bank customer 0 Banco Comercial Português Millenniumbcp + 1 bank customer bank customer 0 Banco Cooperativo Español Banco Cooperativo Español S.A. + 1 bank customer bank customer 0 Banco Santander S.A. + Banco Santander / Santander Group Santander Global Banking & Markets UK 6 bank inter dealer bank inter dealer 0 Bank Zachodni WBK S.A. Bank Millennium Bank Millennium S.A. 1 bank customer bank customer 0 Bankhaus Lampe Bankhaus Lampe KG 1 bank customer bank customer 0 Bankia Bankia S.A.U. 1 bank customer bank customer 0 Bankinter Bankinter S.A. 1 bank customer bank customer 0 Bank of America Merrill Lynch Merrill Lynch International 9 bank inter dealer bank inter dealer 0 Barclays Barclays Bank PLC + 17 bank inter dealer bank inter dealer 0 Bayerische Landesbank Bayerische Landesbank 1 bank customer bank customer 0 BAWAG P.S.K.
    [Show full text]
  • Austria-Based Oberbank AG Rated 'A/A-1'; Outlook Stable
    Research Update: Austria-Based Oberbank AG Rated 'A/A-1'; Outlook Stable Primary Credit Analyst: Benjamin Heinrich, CFA, FRM, Frankfurt + 49 693 399 9167; [email protected] Secondary Contact: Anna Lozmann, Frankfurt (49) 69-33-999-166; [email protected] Table Of Contents Overview Rating Action Rationale Outlook Ratings Score Snapshot Related Criteria Related Research Ratings List WWW.STANDARDANDPOORS.COM/RATINGSDIRECT JANUARY 9, 2019 1 Research Update: Austria-Based Oberbank AG Rated 'A/A-1'; Outlook Stable Overview • As a midsize bank in Austria, Oberbank has weaker diversity than larger rated peers, but we consider this to be offset by its proven stable and strong franchise in core markets, above-average cost efficiency, and strong capitalization. • The material buffer of loss-absorbing capacity at Oberbank would likely help to protect senior unsecured creditors, since we think that, despite Oberbank's relatively modest size, it would be subject to a bail-in-led resolution if it were to fail. • We are assigning our 'A/A-1' long- and short-term issuer credit ratings and 'A+/A-1' long- and short-term resolution counterparty ratings to Oberbank. • The stable outlook reflects our view that Oberbank will maintain its competitive advantage and that expansion in foreign markets will not materially affect the bank's risk profile or its strong capitalization. It also reflects our view that the bank will keep a buffer of additional loss capacity instruments above 5% of our risk-weighted assets metric. Rating Action On Jan. 9, 2019, S&P Global Ratings assigned its 'A/A-1' long- and short-term issuer credit ratings to Austria-based Oberbank AG.
    [Show full text]
  • Rating Reports
    Oberbank AG Primary Credit Analyst: Benjamin Heinrich, CFA, FRM, Frankfurt + 49 693 399 9167; [email protected] Secondary Contacts: Anna Lozmann, Frankfurt + 49 693 399 9166; [email protected] Gabriel Zwicklhuber, Frankfurt + 49(0)6933999169; [email protected] Research Contributor: Karim Kanj, Frankfurt + 49 69 3399 9109; [email protected] Table Of Contents Major Rating Factors Outlook Rationale Related Criteria Related Research WWW.STANDARDANDPOORS.COM/RATINGSDIRECT FEBRUARY 11, 2021 1 Oberbank AG Additional SACP a- Support +1 0 + + Factors Anchor a- Issuer Credit Rating ALAC +1 Business Support Strong Position 0 A/Negative/A-1 Capital and GRE Support Strong 0 Earnings +1 Risk Position Moderate -1 Group Resolution Counterparty Rating Support 0 Funding Average A+/--/A-1 0 Sovereign Liquidity Adequate Support 0 Major Rating Factors Strengths: Weaknesses: • Strong and stable corporate and retail franchise in • Regional concentration in corporate business. Upper Austria and Salzburg. • Concentration from sizable equity investments in • Sound cost efficiency. Upper Austria. • Strong capitalization and solid additional • The COVID-19 pandemic will lead to higher credit loss-absorbing capital (ALAC). losses and lower contributions from equity investments. WWW.STANDARDANDPOORS.COM/RATINGSDIRECT FEBRUARY 11, 2021 2 Oberbank AG Outlook: Negative The negative outlook reflects S&P Global Ratings' view of heightening economic risk for the Austrian banking sector in light of the COVID-19 pandemic. We could lower the ratings on Oberbank AG within the next two years if it does not sustain strong capitalization, robust asset quality, and ALAC above our 5% threshold. Downside scenario We might lower our long-term rating on Oberbank by one notch if we saw increased risks to the Austrian banking industry resulting from the pandemic, which would lead to a revision of our anchor for Austrian banks to 'bbb+' from 'a-'.
    [Show full text]
  • List of Market Makers and Authorised Primary Dealers Who Are Using the Exemption Under the Regulation on Short Selling and Credit Default Swaps
    Last update 11 August 2021 List of market makers and authorised primary dealers who are using the exemption under the Regulation on short selling and credit default swaps According to Article 17(13) of Regulation (EU) No 236/2012 of the European Parliament and of the Council of 14 March 2012 on short selling and certain aspects of credit default swaps (the SSR), ESMA shall publish and keep up to date on its website a list of market makers and authorised primary dealers who are using the exemption under the Short Selling Regulation (SSR). The data provided in this list have been compiled from notifications of Member States’ competent authorities to ESMA under Article 17(12) of the SSR. Among the EEA countries, the SSR is applicable in Norway as of 1 January 2017. It will be applicable in the other EEA countries (Iceland and Liechtenstein) upon implementation of the Regulation under the EEA agreement. Austria Italy Belgium Latvia Bulgaria Lithuania Croatia Luxembourg Cyprus Malta Czech Republic The Netherlands Denmark Norway Estonia Poland Finland Portugal France Romania Germany Slovakia Greece Slovenia Hungary Spain Ireland Sweden Last update 11 August 2021 Austria Market makers Name of the notifying Name of the informing CA: ID code* (e.g. BIC): person: FMA ERSTE GROUP BANK AG GIBAATWW FMA OBERBANK AG OBKLAT2L FMA RAIFFEISEN CENTROBANK AG CENBATWW Authorised primary dealers Name of the informing CA: Name of the notifying person: ID code* (e.g. BIC): FMA BARCLAYS BANK PLC BARCGB22 BAWAG P.S.K. BANK FÜR ARBEIT UND WIRTSCHAFT FMA BAWAATWW UND ÖSTERREICHISCHE POSTSPARKASSE AG FMA BNP PARIBAS S.A.
    [Show full text]
  • Roadshow Green Bond | June 2021 # COMPANY PROFILE
    Roadshow Green Bond | June 2021 # COMPANY PROFILE 2 Roadshow Green Bond | June 2021 FACT SHEET OBERBANK Oberbank 7th largest bank in Austria Facts & Figures Bank Total assets in EUR Staff (FTEs) 2,168 1 Erste Group Bank 277.4 billion 2 Raiffeisen Bank International AG 166.0 billion Receivables from customers 3 UniCredit Bank Austria AG 118.5 billion 17.3 billion 4 BAWAG P.S.K. 53.1 billion 5 Raiffeisenlandesbank OÖ AG 41.5 billion Primary funds 15.4 billion 6 Raiffeisenlandesbank NÖ-Wien AG 27.7 billion 7 Oberbank 24.4 billion Number of branches 8 HYPO NOE Gruppe 16.4 billion 176 Raiffeisen-Landesbank Steiermark 9 16.0 billion ▪ Source: Oberbank AG, Annual Report 2020 | Annual Reports of the respective institutions AG ▪ As of 31.12.2020 3 Roadshow Green Bond | June 2021 5 COUNTRIES – 176 BRANCHES – ONE OBERBANK 2020: 176 Filialen Potsdam Branch openings 2021 • Potsdam • Jindřichův Hradec • Tatabánya (planned) Mainz Jindřichův Hradec Karlsruhe Kosice Memmingen Tatabány a Source: Oberbank AG Roadshow Green Bond | June 2021 4 As of: 31.12.2020 INDEPENDENCE DEVELOPED OVER YEARS 1869 1984 1990 2004 2019 Founded in Linz End of syndicate Market entry Market entry in 150 Years of agreement with Bavaria/Germany the Czech Oberbank Creditanstalt Republic 177 Branches 1945 2000 2009 13 branches First presentation Market entry in of Oberbank, BTV Slovakia and BKS as 3 Banken Gruppe 1952 2002 2013 Creditanstalt 100 branches 150 branches sells 1/3 of its shares to BKS and BTV 1986 2007 1929 Initial public offering Market entry in Creditanstalt at the Vienna Stock Hungary becomes majority Exchange shareholder 5 Roadshow Green Bond | June 2021 ISSUER RATING OF OBERBANK Rating by Standard & Poor‘s Credit rating Outlook Long-term issuer rating A negative Short-term issuer rating A-1 Mortgage-backed cover pool AAA stable Source: Standard & Poor‘s As of: 11.02.2021 Issuer rating; 23.03.2021 Rating of mortgage-backed cover pool; 22.10.2020 Rating Senior Non- Preferred 6 Roadshow Green Bond | June 2021 SHAREHOLDER STRUCTURE ENSURES AUTONOMY Bank für Tirol und Vorarlberg AG (incl.
    [Show full text]
  • ADB's Trade Finance Program Confirming Banks List
    Trade Finance Program Confirming Banks List As of 12 February 2016 AFGHANISTAN Bank Alfalah Limited (Afghanistan Branch) 410 Chahri-e-Sadarat Shar-e-Nou, Kabul, Afghanistan National Bank of Pakistan (Jalalabad Branch) Bank Street Near Haji Qadeer House Nahya Awal, Jalalabad, Afghanistan National Bank of Pakistan (Kabul Branch) House No. 2, Street No. 10 Wazir Akbar Khan, Kabul, Afghanistan ALGERIA HSBC Bank Middle East Limited, Algeria 10 Eme Etage El-Mohammadia 16212, Alger, Algeria ANGOLA Banco Millennium Angola SA Rua Rainha Ginga 83, Luanda, Angola ARGENTINA Banco Patagonia S.A. Av. De Mayo 701 24th floor C1084AAC, Buenos Aires, Argentina Banco Rio de la Plata S.A. Bartolome Mitre 480-8th Floor C1306AAH, Buenos Aires, Argentina AUSTRALIA Australia and New Zealand Banking Group Limited Level 20, 100 Queen Street, Melbourne, VIC 3000, Australia Australia and New Zealand Banking Group Limited (Adelaide Branch) Level 20, 11 Waymouth Street, Adelaide, Australia Australia and New Zealand Banking Group Limited (Adelaide Branch - Trade and Supply Chain) Level 20, 11 Waymouth Street, Adelaide, Australia Australia and New Zealand Banking Group Limited (Brisbane Branch) Level 18, 111 Eagle Street, Brisbane QLD 4000, Australia Australia and New Zealand Banking Group Limited (Brisbane Branch - Trade and Supply Chain) Level 18, 111 Eagle Street, Brisbane QLD 4000, Australia Australia and New Zealand Banking Group Limited (Perth Branch) Level 6, 77 St Georges Terrace, Perth, Australia Australia and New Zealand Banking Group Limited (Perth Branch
    [Show full text]
  • Interim Report to Shareholders As at 30 September 2019 Oberbank at a Glance
    Years Interim Report to Shareholders as at 30 September 2019 Oberbank at a Glance Income statement in €m Q1-3 2019 Change Q1-3 2018 Net interest income 258.9 4.6% 247.6 Income from entities recognised using the equity 39.2 -42.8% 68.4 Chargesmethod for losses on loans and advances 11.0 >-100% -4.6 Net commission income 121.2 1.6% 119.3 Administrative expenses -224.3 4.6% -214.5 Profit for the period before tax 238.8 12.4% 212.4 Profit for the period after tax 195.2 7.8% 181.1 Balance sheet in €m 30/9/2019 Change 31/12/2018 Total assets 22,924.3 3.2% 22,212.6 Loans and advances to customers 16,621.2 4.6% 15,883.0 Primary funds 14,428.7 1.3% 14,244.0 of which savings deposits 2,701.8 0.7% 2,684.1 of which securitised liabilities 2,326.5 10.9% 2,098.3 incl. subordinated debt capital Equity 2,952.5 5.5% 2,797.9 Customer funds under management 30,365.2 6.4% 28,530.9 Own funds purs. to CRR in €m 30/9/2019 Change 31/12/2018 Common equity tier 1 capital (CET 1) 2,545.9 1.1% 2,517.8 Tier 1 capital 2,595.9 1.3% 2,563.1 Own funds 2,940.1 1.0% 2,911.8 CET 1 ratio in % 16.77 -0.69% ppt 17.46 Tier 1 capital ratio in % 17.10 -0.67% ppt 17.77 Total capital ratio in % 19.37 -0.82 ppt 20.19 Liquidity ratios 30/9/2019 Change 31/12/2018 Liquidity Coverage Ratio in % 137.20 2.22% ppt 134.98 Net Stable Funding Ratio in % 119.71 -0.11% ppt 119.82 Leverage Ratio in % 10.50 -0.18% ppt 10.68 Performance indicators Q1-3 2019 Change Q1-3 2018 Cost/income ratio in % 49.61 -0.09% ppt 49.70 Return on equity before tax in % 11.16 0.39% ppt 10.77 Return on equity after
    [Show full text]
  • Banking Statistics Yearbook for 2008
    OESTERREICHISCHE NATIONALBANK E UROSY S TEM STATISTIKEN Special Issue Bananking Statisticsatistics YearbookYearbo for 2008 Stabilty and Security. July 09 Table of Contents Preface 4 I. Changes in Reporting for Banking Statistics in 2008 5 1 New Investment Fund Statistics 5 2 Quarterly Delivery of Balance Sheet Data on Insurance Companies and Pension Funds to the ECB 6 3 Weekly Liquidity Report 6 4 JEGR Task Force Analyzes Potential Synergies between Supervisory and Monetary Statistics Reporting 7 5 One-Off OeNB Survey on the Use of EUR 200 and EUR 500 Banknotes in the Euro Area 8 6 Changes in Structural Statistics 8 II. Reporting Obligations to International Organizations 9 1 Consolidated Banking Data 9 2 ECB Blue Book Data 9 III. Structural Developments in Austrian Banking 10 1 Number of Banking Offices 10 2 Development of Employment in Austrian Banking 11 IV. Economic Developments in Austrian Banking 13 1 Business Activities of Banks Reporting to the OeNB – Unconsolidated Results 13 1.1 Loans to Domestic Nonbanks Grew Faster than in 2007 14 1.2 Loans to Nonfinancial Private Sector Record Similar Growth as in 2007 14 1.3 Foreign Currency Loans to Households Involve High Risks 15 1.4 Loan-to-Deposit Ratio Remains Low despite Drop in Corporate Deposits 15 1.5 Significance of External Business Declines in 2008 16 2 Profitability of Banks Operating in Austria – Unconsolidated Results 16 2.1 Operating Profits in 2008 16 3 Profitability of Austrian Banks in 2008 – Consolidated Results 17 4 Interest Rate Developments 19 4.1 Lending Rates – New Business 19 4.2 Lending Rates – Outstanding Amounts 19 4.3 Deposit Rates – New Business 19 4.4 Deposit Rates – Outstanding Amounts 20 5 Developments in the Building and Loan Associations Sector 21 6 Development of Mutual Funds 21 7 Development of Money Market Funds 22 8 Development of Severance Funds 22 9 Development of Pension Funds 23 2 STATISTIKEN SPECIAL ISSUE JULY 09 V.
    [Show full text]