FORESIGHT BUSINESS REPORT 2014 ADDRESSES BUSINESS REPORT 2014 KEY INDICATORS 2014 Bank für Tirol und Vorarlberg AG FORESIGHT BUSINESS REPORT 2014 ADDRESSES BUSINESS REPORT 2014 KEY INDICATORS 2014 Bank für Tirol und Vorarlberg AG The BTV Group at a glance Shareholder structure Nuremberg Stuttgart Bavaria INCOME 2014 2013* Change in % BTV SHAREHOLDER STRUCTURE BY SIZE OF HOLDING BTV BTV headquarters Baden- in € million VIER Munich Württemberg Memmingen Net interest income 182.3 180.2 +1.1 % LÄNDER Ravensburg Vienna Loan-loss provisions in the credit business –29.0 –46.9 –38.1 % BANK Innsbruck Head Office Business area Service centre Credit management Human resources Garmisch- Stadtforum 1 Corporate clients T +43/(0)5 05 333-2101 T +43/(0)5 05 333-1361 T +43/(0)5 05 333-1464 Net commission income 43.7 45.3 –3.4 % 37.53% CABO Beteiligungs 13.59% BKS Bank AG, Klagenfurt *) Partenkirchen Winterthur Staad 6020 Innsbruck T +43/(0)5 05 333-1301 [email protected] F +43/(0)5 05 333-1377 F +43/(0)5 05 333-1465 Kitzbühel GmbH, Vienna T +43/(0)5 05 333-0 F +43/(0)5 05 333-1302 [email protected] [email protected] Operating expenses –139.6 –96.0 +45.4 % Dornbirn Innsbruck F +43/(0)5 05 333-1180 [email protected] Finance & controlling Other operating income/expenditure 30.0 –2.3 >–100 % Switzerland VBG Tyrol [email protected] T +43/(0)5 05 333-1430 Marketing and Legal and corporate Annual net profit before tax 89.8 86.3 +4.0 % 13.22% Oberbank AG, Linz *) www.btv.at Business area F +43/(0)5 05 333-1434 Communications investments Institutional clients [email protected] T +43/(0)5 05 333-1403 T +43/(0)5 05 333-1501 Group net profit for the year 76.1 68.5 +11.0 % Lienz Business area and banks F +43/(0)5 05 333-1408 F +43/(0)5 05 333-1508 13.60% Generali 3 Banken Holding AG, Vienna *) Retail clients T +43/(0)5 05 333-1204 Corporate audit [email protected] [email protected] T +43/(0)5 05 333-1111 F +43/(0)5 05 333-1206 T +43/(0)5 05 333-1534 BALANCE SHEET 31.12.2014 31.12.2013* Change in % 19.42 % Widely spread shareholdings F +43/(0)5 05 333-1181 [email protected] F +43/(0)5 05 333-1540 in € million Alto Adige [email protected] [email protected] Total assets 9,598 9,592 +0.1 % 0.36 % BTV Private Foundation 2.28% Wüstenrot Wohnungswirtschaft *) Trentino Loans and advances to clients after loan loss provisions 6,187 6,197 –0.2 % reg. Gen.mbH, Salzburg Addresses Primary funds 6,919 6,702 +3.2 % *) Shareholders who form part of the syndicate agreement. Vorarlberg Tiroler Oberland Tiroler Unterland Innsbruck Stadt Innsbruck Land/ Vienna Germany Switzerland BTV Leasing – of which savings deposits 1,176 1,176 +0.0 % and Außerfern East Tyrol – of which securitised debt including subordinated capital 1,392 1,282 +8.5 % Equity 1,004 933 +7.7 % Bludenz Ehrwald Kirchbichl Innsbruck-DEZ Seefeld Albertinaplatz Bavaria Staad BTV Stadtforum BTV Leasing Managed deposits 12,156 11,532 +5.4 % Werdenbergerstraße 14 Kirchplatz 21 a Corporate clients Amraser-See-Straße 56 a Klosterstraße 397 Corporate clients Hauptstrasse 19 6020 Innsbruck Deutschland GmbH BTV SHAREHOLDER STRUCTURE BY VOTING RIGHTS 6700 Bludenz 6632 Ehrwald E3 Wirtschaftspark 6020 Innsbruck 6100 Seefeld Tegetthoffstraße 7 Garmisch-Partenkirchen 9422 Staad T +43/(0)5 05 333-2028 Geschäftsstelle München T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 Kirchbichl T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 1010 Wien Mohrenplatz 6 T +41/71/85 810-10 F +43/(0)5 05 333-8869 Neuhauser Straße 5 EQUITY UNDER CRR (BWG PREVIOUS YEAR) 31.12.2014 31.12.2013 Change in % F +43/(0)5 05 333-6630 F +43/(0)5 05 333-4785 Europastraße 8 F +43/(0)5 05 333-3923 F +43/(0)5 05 333-4253 T +43/(0)5 05 333-8723 82467 Garmisch- F +41/71/85 810-11 [email protected] 80331 München in € million [email protected] [email protected] 6322 Kirchbichl [email protected] [email protected] F +43/(0)5 05 333-8761 Partenkirchen (Retail clients) www.btv-leasing.com T +49/89/255 44 730-7542 T +43/(0)5 05 333-0 [email protected] T +49/8821/75 26 85-0 F +41/71/85 810-12 F +49/89/255 44 730-7541 Risk-adjusted assets 6,213 6,055 +2.6 % Bregenz Imst F +43/(0)5 05 333-5425 Innsbruck-Hötting* Völs F +49/8821/75 26 85-7344 (Corporate clients) Bregenz [email protected] 41.70 % CABO Beteiligungsgesellschaft 15.10 % BKS Bank AG, Klagenfurt *) Kaiserstraße 33 Dr.-Pfeiffenberger-Str. 18 [email protected] Schneeburggasse 7 Bahnhofstraße 38 a Albertinaplatz Key indicators for btv shares [email protected] Kaiserstraße 33 Equity 930 964 –3.5 % 6900 Bregenz 6460 Imst 6020 Innsbruck 6176 Völs Retail clients 6900 Bregenz Augsburg GmbH, Vienna – of which common equity (CET1) 796 n. a. n. a. T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 Kitzbühel T +43/(0)5 05 333-0 Tegetthoffstraße 7 Memmingen T +43/(0)5 05 333-6006 Nagahama-Allee 75 F +43/(0)5 05 333-6025 F +43/(0)5 05 333-5125 Vorderstadt No. 9 Innsbruck-Mitterweg F +43/(0)5 05 333-3508 1010 Wien Flach Villa F +43/(0)5 05 333-8869 86153 Augsburg – of which total core capital (CET1 and AT1) 796 807 –1.4 % [email protected] [email protected] 6370 Kitzbühel Mitterweg 9 [email protected] T +43/(0)5 05 333-8744 Buxacher Straße 1 [email protected] T +49/821/59 980-7170 14.69 % Oberbank AG, Linz *) Common equity Tier 1 ratio 12.81 % n. a. n. a. T +43/(0)5 05 333-0 6020 Innsbruck F +43/(0)5 05 333-8763 87700 Memmingen F +49/821/59 980-7166 Bregenz Vorkloster Landeck F +43/(0)5 05 333-5673 T +43/(0)5 05 333-0 Lienz [email protected] T +49/8331/92 77-8 Albertinaplatz Vienna [email protected] Core capital ratio 12.81 % 13.33 % –0.52 %-pp Mariahilfstraße 45 a Malser Straße 34 [email protected] F +43/(0)5 05 333-4025 Südtiroler Platz 2 F +49/8331/92 77-7044 Tegetthoffstraße 7 Equity ratio 14.97 % 15.93 % –0.96 %-pp 6900 Bregenz 6500 Landeck [email protected] 9900 Lienz [email protected] 1010 Wien Nuremberg ~ 15.12% Generali 3 Banken Holding AG, Vienna *) T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 Kufstein T +43/(0)5 05 333-0 T +43/(0)5 05 333-8818 (from 5 January 2015) F +43/(0)5 05 333-6117 F +43/(0)5 05 333-5035 Oberer Stadtplatz 4 Innsbruck- F +43/(0)5 05 333-4832 Munich F +43/(0)5 05 333-8869 Gleißbühlstraße 2 [email protected] [email protected] 6330 Kufstein Olympisches Dorf [email protected] Neuhauser Straße 5 [email protected] 90402 Nuremberg COMPANY KEY FIGURES 31.12.2014 31.12.2013* Change in 10.46 % Widely spread shareholdings 2.53 % Wüstenrot Wohnungswirtschaft T +43/(0)5 05 333-0 Schützenstraße 49 80331 München T +49/911/23 42 08-7650 Dornbirn Reutte F +43/(0)5 05 333-5325 6020 Innsbruck T +49/89/255 44 730-8 in percentage points percentage *) BTV Leasing Schweiz AG F +49/911/23 42 08-7644 reg. Gen.mbH, Salzburg Klostergasse 8 Untermarkt 23 [email protected] T +43/(0)5 05 333-0 F +49/89/255 44 730-7568 0.40 % BTV Private Foundation Staad [email protected] points 6850 Dornbirn 6600 Reutte F +43/(0)5 05 333-3750 [email protected] Hauptstrasse 19 T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 Mayrhofen [email protected] 9422 Staad Ravensburg /Weingarten Return on equity before tax (RoE) 9.27 % 9.50 % –0.23 pp *) Shareholders who form part of the syndicate agreement. F +43/(0)5 05 333-6360 F +43/(0)5 05 333-4675 Hauptstraße 440 Augsburg T +41/71/85 810-74 Franz-Beer-Straße 111 Return on Equity after tax 7.86 % 7.54 % +0.32 pp [email protected] [email protected] 6290 Mayrhofen Innsbruck-Sonnpark Nagahama-Allee 75 F +41/71/85 810-12 88250 Weingarten T +43/(0)5 05 333-0 Amraser Straße 54 86153 Augsburg [email protected] T +49/751/56 116-7231 Cost/income ratio 54.4 % 42.8 % +11.6 pp Feldkirch Sölden F +43/(0)5 05 333-4915 6020 Innsbruck T +49/821/59 980-8 F +49/751/56 116-7244 Risk/earnings ratio 15.9 % 26.0 % –10.1 pp Bahnhofstraße 8 Dorfstraße 31 [email protected] T +43/(0)5 05 333-0 F +49/821/59 980-7144 Winterthur [email protected] 6800 Feldkirch 6450 Sölden F +43/(0)5 05 333-3654 [email protected] Zürcherstrasse 46 T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 Schwaz [email protected] 8400 Winterthur Stuttgart F +43/(0)5 05 333-5225 RESOURCES 31.12.2014 31.12.2013 Change F +43/(0)5 05 333-6513 Innsbrucker Straße 5 Nuremberg T +41/52/20 40 450 Industriestraße 4 [email protected] [email protected] 6130 Schwaz Innsbruck-Stadtforum (from 5 January 2015) F +41/71/85 810-12 70565 Stuttgart (Vaihingen) Number figure IMPORTANT DATES FOR BTV SHAREHOLDERS T +43/(0)5 05 333-0 Stadtforum 1 Gleißbühlstraße 2 [email protected] T +49/711/78 78 03-7450 Götzis Telfs F +43/(0)5 05 333-4345 6020 Innsbruck 90402 Nuremberg F +49/711/78 78 03-7468 Weighted average number of employees 1,195 793 +402 Annual General Meeting 13 May 2014, 10.00 am, Stadtforum 1, Innsbruck Im Buch 6 Anton-Auer-Straße 2 [email protected] T +43/(0)5 05 333-0 T +49/911/23 42 08-0 [email protected] Number of branches 38 37 +1 The dividend will be published on the BTV homepage and in the gazette of 6840 Götzis 6410 Telfs F +43/(0)5 05 333-1662 F +49/911/23 42 08-7644 T +43/(0)5 05 333-0 T +43/(0)5 05 333-0 St.