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Success in 15 Languages Annual REPORT 2007 SUCCESS IN 1 5 L A N G U AGES english ― easteRN euROPean easteRN euROPean ― english Than More DS wor 32,000 Tional ADDi­ anD financial Y BUlar Voca annual report 2007 SUCCESS IN 1 5 L A N G U A G E S ENGLISH ― EASTERN EUROPEAN EASTERN EUROPEAN ― ENGLISH SUMMARY OF KEY DATA RZB Group Monetary values are in €mn 2007 + (-) Change 2006 (-OOEs)1 2006 2005 2004 2003 2002 Income Statement Net interest income after provisioning 2,635 43.2% 1,840 1,840 1,400 928 661 558 Net commission income 1,516 28.8% 1,177 1,177 819 625 479 383 Trading profit 94 (63.4%) 257 257 172 170 173 154 General administrative expenses (2,645) 25.2% (2,113) (2,113) (1,574) (1,196) (1,017) (900) Profit before tax 1,485 15.5% 1,286 1,882 930 692 344 243 Profit after tax 1,190 15.0% 1,035 1,631 705 566 278 181 Consolidated profit 778 3.5% 752 1,169 451 446 216 137 Earnings per share, € 150.7 (5.0) 155.7 239.9 92.6 102.3 48.8 33.4 Balance Sheet Loans and advances to banks 30,910 (3.4%) 32,006 32,006 29,647 22,229 19,152 15,028 Loans and advances to customers 73,071 37.6% 53,106 53,106 39,613 27,957 22,180 19,785 Deposits from banks 48,899 10.8% 44,129 44,129 43,416 32,270 27,423 23,471 Deposits from customers 55,369 23.8% 44,727 44,727 32,158 23,386 16,990 12,673 Equity (including minorities and profit) 8,422 26.9% 6,637 6,637 4,950 3,343 2,445 2,275 Balance sheet total 137,402 18.8% 115,629 115,629 93,863 67,864 56,053 46,405 Regulatory Information Basis of assessment (including market risk) 93,638 32.5% 70,656 70,656 55,783 38,492 30,389 27,973 Total own funds 10,297 35.2% 7,614 7,614 5,199 4,120 3,097 2,869 Total own funds requirement 7,491 32.5% 5,652 5,652 4,463 3,079 2,431 2,238 Excess cover 37.5% 2.8 ppt 34.7% 34.7% 16.5% 33.8% 27.4% 28.2% Core capital ratio (banking book, tier 1) 8.8% (0.2 ppt) 9.0% 9.0% 8.3% 9.2% 7.5% 7.4% Own funds ratio 11.0% 0.2 ppt 10.8% 10.8% 9.3% 10.7% 10.2% 10.3% Performance Return on equity before tax 22.2% (4.5 ppt) 26.7% 39.1% 23.9% 29.9% 15.5% 12.5% Return on equity after tax 17.8% (3.7 ppt) 21.5% 33.9% 18.1% 24.4% 12.5% 9.3% Consolidated return on equity 16.5% (5.4 ppt) 21.9% 34.0% 15.5% 22.8% 12.1% 9.9% Cost/income ratio 56.9% 0.2 ppt 56.7% 56.7% 58.9% 59.8% 64.1% 67.2% Return on assets before tax 1.17% (0.07 ppt) 1.25% 1.83% 1.17% 1.11% 0.67% 0.53% Net provisioning ratio (% of average risk assets in banking book) 0.41% (0.22 ppt) 0.63% 0.63% 0.52% 0.64% 0.72% 0.60% Risk/earnings ratio 10.5% (5.4 ppt) 15.8% 15.8% 12.9% 17.4% 23.4% 21.3% Resources Number of staff on balance sheet date 61,351 10.7% 55,434 55,434 46,243 25,323 21,119 16,700 of which in Austria 2,858 10.9% 2,577 2,577 2,529 2,373 2,513 2,528 of which in the CEE region 58,111 10.6% 52,528 52,528 43,430 22,707 18,368 13,944 Business outlets 3,036 5.9% 2,866 2,866 2,461 932 740 651 Ratings Long-term Subordinated Short-term Fin. strength Outlook Moody’s Investors Service Aa2 Aa3 P-1 C Stable Standard & Poor’s A+ A A-1 — Stable 1 -OOEs: Without one-off effects of the sale Raiffeisenbank Ukraine and of a minority stake in Bank TuranAlem. CONteNts Success in 15 Languages ................................................................................................ 6 Segment Reports ........................................................................................................ 120 Corporate Customers ........................................................................................... 120 Preface by the Managing Board ................................................................................ 46 Financial Institutions and Public Sector ................................................................ 134 The Managing Board of Raiffeisen Zentralbank ..................................................... 50 Retail Customers .................................................................................................... 139 Proprietary Trading ............................................................................................... 143 Supervisory Board’s Report ........................................................................................ 54 Participations and Other ....................................................................................... 151 Obituary of Franz Hummel .......................................................................................... 56 Consolidated Financial Statements (Financial Statements Prepared in Accordance with IFRSs) ........................................................................ 158 Overview of RZB .......................................................................................................... 58 Income Statement .................................................................................................. 158 Vision and Mission .................................................................................................. 64 Results of Operations ........................................................................................... 160 Corporate Social Responsibility .............................................................................. 66 Balance Sheet ........................................................................................................ 162 Statement of Changes in Equity ........................................................................... 164 The Raiffeisen Banking Group in 2007 ..................................................................... 70 Cash Flow Statement ............................................................................................ 168 Interview with CEO Walter Rothensteiner ................................................................ 76 Segment Reports .................................................................................................... 170 Notes ..................................................................................................................... 180 Group Management Report ........................................................................................ 81 Notes to the Income Statement ............................................................................ 203 Economic Conditions in General ............................................................................ 81 Notes to the Balance Sheet .................................................................................. 214 Developments in the Banking Industry in RZB’s Principal Markets ...................... 84 Notes to Financial Instruments with Risk Report ................................................. 252 Business Performance in 2007 ................................................................................ 86 Other Notes .......................................................................................................... 300 Summary of Consolidated Results .......................................................................... 88 Boards ................................................................................................................... 306 Detailed Review of Items in the Income Statement ................................................ 95 Organizational Structure ....................................................................................... 310 The Balance Sheet ................................................................................................. 102 Unqualified Auditors’ Report .................................................................................... 312 Equity ...................................................................................................................... 105 Human Resources .................................................................................................. 107 Scope of Consolidation and Overview of Equity Participations ........................... 314 Information Technology .......................................................................................... 111 Glossary (Important Terms and Abbreviations) .................................................... 320 Risk Management .................................................................................................. 112 Addresses and Contacts ............................................................................................ 324 Outlook for 2008 .................................................................................................. 116 Material Events after the Balance Sheet Date ..................................................... 118 Publication Details ..................................................................................................... 330 Throughout this report, “RZB” is used to refer to the RZB Group. “Raiffeisen Tables may contain minor rounding errors. Statements of rates of change (per- Zentral bank” is used whenever statements refer solely to Raiffeisen Zentralbank centages) are based on actual figures and not on the rounded figures provided Öster reich AG. in the tables. Norway Estonia Sweden Denmark Latvia Lithuania Russia Ireland United Kingdom Belarus The Netherlands Poland Germany Belgium Russia Luxembourg Czech Republic Ukraine Slovakia Kazakhstan Liechtenstein Austria France Switzerland Slovenia Hungary Moldova Croatia Romania Italy Bosnia and Herzegovina Serbia Kosovo Bulgaria Montenegro Georgia Macedonia Portugal Spain Albania Armenia Azerbaijan Greece Turkey Tunesia Iran Algeria Malta Syria Iraq Morocco Cyprus Our native languages – the official languages in the countries of our home market: Poland Hungary Croatia Albania Bulgaria Belarus
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