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Presentation Dated: 18Th May 2018 Oberbank

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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. Gen.m.b.H. 1.76 % Generali 3 Banken Holding AG 23.76 % 3.61 % Employees CABO Beteiligungsgesellschaft m. b. H. Source: Oberbank AG | Data: 31 December 2017 | Shareholders highlighted in red have a syndicate agreement 7 MEMBER OF THE 3 BANKEN GROUP Holdings of the 3 Banken Group . 3 Banken IT GmbH . 3 Banken-Generali Investment-Gesellschaft m.b.H. ALPENLÄNDISCHE GARANTIE-GESELLSCHAFT m.b.H. Facts 3 Banken Gruppe in million EUR Oberbank BKS BTV 3 Banken Total assets 20,831 7,580 10,463 38,874 Loans & advances to customers 14,760 5,450 7,336 27,546 Primary funds 13,395 5,669 7,606 26,670 Customer funds under management 29,333 14,151 13,905 57,389 Profit for the year before tax 238.9 77.2 91.2 407.3 Ø number of staff 2,050 928 1,401 4,379 Number of branches 161 63 36 260 Source: Oberbank AG | 31/12/2017 | Shares by voting rights 8 OBERBANK'S INVESTMENT PORTFOLIO Credit institutions Industry Insurance companies 14.38 % 8.14 % 19.29 % 4.12 % 2.60 % 3.73 % Source: Oberbank AG | Data: as at 31 December 2017 9 … supported by a solid business model & a consistently pursued strategy… 10 SOLID BUSINESS MODEL & STRATEGY Autonomy & independence & Autonomy quality advisory High growth Organic management risk on Concentration liquidity Securing development HR Sustainable processes Lean Stable values foundation Source: Oberbank AG 11 STRATEGIC FIELDS OF ACTION UNTIL 2020 Sales culture - greater efficacy in sales Reducing Mastering digital dependency on challenges large customers Focus on Retaining/ Costs Exploiting regional commission improving cost potentials business efficiency Earnings Expansion & Improving early strengthening of recognition of retail lending risks business Integration of Oberbank‘s non- Austrian markets Source: Oberbank AG 12 WE OFFER UNIVERSAL BANKING SME & Corporate Customers Portfolio Retail customers 50,700 customers: 283,800 customers: Corporate and Business Banking Personal Banking Export finance Structured finance, Housing loans & subsidy Private retirement private equity, schemes, consumer loans, provisioning Finance Business Documentary business mezzanine capital car leasing and guarantees Interest & currency management, inv. Business investments Private Banking & Asset Management Risk Risk Mgmt. financing Customer funds under management : Payment services & cash 29.3 bn. € management, leasing Assets under Management: 8.7 bn. € & cash Payment Payment Source: Oberbank AG 31/3/2018 13 CORE AREAS OF COMPETENCE • Equipment Finance • Investment Finance ERP subsidized loans About 20%1 of all ERP subsidized loans • Structured Finance Financing in Austria • Leasing Export loans for SMEs (Exportfonds) • Payment Services 11.2%2 Market share (AT) • Export Finance International • Trade Finance Export loans for large corporates (KRR) business 11.3% 2 Market share (AT) Source: 1Exportfonds; 2OeKB & own calculation | Date: 31/12/2017 14 … delivers steady, solid results with high lending volume growth … 15 OBERBANK AT A GLANCE (31/12/2017) • Net profit before tax 2016 219.1 million EUR 238.9 million / + 9.0% 2017 238.9 million • Net profit after tax 2016 181.3 million EUR 200.5 million / + 10.6% 2017 200.5 million • Lending volume 2016 13.8 billion EUR 14.8 billion/ + 7.1% 2017 14.8 billion • Primary deposits 2016 13.0 billion EUR 13.4 billion/ + 3.0% 2017 13.4 billion • Loan loss provisions 2016 25.0 million EUR 28.4 million / + 13.5% 2017 28.4 million • Tier 1 capital ratio 17.03% CET1 ratio 17.03% • Total capital ratio 19.64% T.c. ratio 19.64% Source: Annual Report 2017 | Data: as at 31 December 2017 16 POSITIVE LENDING GROWTH IN CORPORATES & RETAIL Lending volume (per 31/12) Regional distribution (31/12/2017) +7 % Hungary Slovakia 14,760 Czech 562 344 13,778 Republic 12,840 1,208 12,276 11,713 11,711 10,903 Germany Upper Austria, 10,145 2,446 9,496 9,835 Salzburg 6,860 2,218 2,442 2,695 2,875 3,049 Vienna 2,051 Lower 2013 2014 2015 2016 2017 Austria Personal loans Corporate loans 1,290 Source: Oberbank AG | Figures in €m 17 CAPITAL REQUIREMENTS CLEARLY MET Requirement from 2019 10.5% 8.5% 19.64% 7.0% 16.50% 17.03% IFRS 9 Change will raise equity by around 4.0 % to 6.5 % CET1 Tier 1 capital Total capital ratio ratio ratio Source: Annual Report 2017 | As at: 31/12/2017 18 LONG-TERM EARNINGS GROWTH – 8TH RECORD RESULT IN A ROW 239 219 Sustainable growth 192 • Panic-proof business model 158 • Long-term growth plan 142 136 • Continous process optimization 126 115 • Consequent expansion 92 No unexpected events! • Focus on core business • Only businesses we know • Regionally located customers 2009 2010 2011 2012 2013 2014 2015 2016 2017 Sources: Annual Reports 2009 to 2017 | Figures in mn. € 19 NET INTEREST INCOME & SERVICE BUSINESS DEVELOPING WELL Net interest income (per 31/12) Regional distribution (31/12/2017) 141 131 Other 388 133 18 + 8.2% 17 381 119 115 373 Payment 50 services 47 + 6.0% 26 Loans 360 26 + 1.2% Securities 41 46 336 + 12.6% 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017 Source: Oberbank AG | Figures as at 31 Dec. in €m 20 STABLE COST STRUCTURE 70% 290 65% 266.2 260 251.8 60% expenses 243.3 CIR 236.9 231.0 55% 230 50% Administrative Administrative 52.1% 50.1% 50.5% 50.8% 49.9% 200 45% 2013 2014 2015 2016 2017 Source: Oberbank AG | Administrative expenses in €m |CIR (cost/income – ratio) in % 21 LOAN LOSS PROVISIONS DEVELOPING FAVOURABLY 90,0 78.0 80,0 70.6 70,0 60,0 47.1 50,0 40,0 Indicator 2016 2017 Q1/2018 28.4 30,0 Risk/earning ratio 6.96% 7.33% -2.86% 25.0 WB ratio 0.16% 0.19% -0.07% 20,0 NPL ratio gross (BASAG) 3.35% 2.59% 2.55% (NPL gross/sum loans) 10,0 NPL Cover Ratio without PWB (BASAG) 92.78% 84.83% 89.97% (spec. val. allowance + collateral / NPL gross) 0,0 2013 2014 2015 2016 2017 Figures in €m Source: Annual Reports 2013 to 2017 | Data as per 31/12 22 SUSTAINABLE DEVELOPMENT OF PROFIT AND SHARES Oberbank ordinary share 100 JahresüberschussProfit before taxes vor, in Steuern, mn. € in Mio. EUR 280 260 90 KursMarket Stammaktie price ordinary share 86.40 240 80 220 70 Currently over 200 EUR 3 billion 180 60 1 market value 160 50 140 120 40 Top 15 on the 100 30 Vienna Stock 80 Exchange 20 60 40 10 20 0 0 Source: Bloomberg, own calculations of Oberbank (net profit on the basis of the years 2003 to 2017) | 1Data: 14/05/2018 The figures given refer to the past. These cannot be used to derive future trends. 23 … is pursuing a sustainable path of expansion … 24 SUCCESSFUL EXPANSION 180 300 161 156 159 150 143 250 239 120 110 219 200 98 89 90 85 192 150 60 115 100 79 30 50 20 22 49 0 0 2010 2011 2012 2013 2014 2015 2016 2017 Branches Profit before tax Source: Oberbank AG | Data: 31 December 2017 in €m 25 FURTHER EXPANSION 2018, UP TO 10 BRANCHES TO BE OPENED Main challenge: continued expansion 3 pillars of growth: retaining attractive cost structure • Development of existing branches • Expansion into regions with potential • Acquisition of new regions (e.g. Saxony, Baden-Württemberg) Higher regulatory ... keeping RoE at 8% to capital... 10% ..
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