Basel III – Basel-II -regulatory broadened with the experiences and insights of the financial and economic crisis to harmonize incurred risks and the bank’s risktaking capacity (deduced from the equity’s amount and quality).
BIS – Bank for International Settlement. International organization supporting the cooperation between the monetary and financial sector.
General administrative expenses (operating expenses) – Comprise staff expenses, other administrative expenses and depreciation on intangible and tangible fixed assets.
net interest margin (average interest-bearing assets) – Net interest income in relation to average interest-bearing assets.
non-performing loans – is defined as the event where a specific debtor is unlikely to pay its credit obligations to the bank in full, or the debtor is overdue more than 90 days on any material credit obligation (RBI has defined 12 default indicators).
nPL ratio – Non-performing loans in relation to total loans and advances to customers.
Own funds requirement according to BWG – Defined in Section 22 (1) BWG and involves the requirement for the credit risk, for position risk in bonds, equities and commodities and for position risk in foreign currency and for the operational risk.
Provisioning ratio (average loans and advances to customers) – Risk valuation ratio. Provisioning for impairment losses in relation to average loans and advances to customers.
Quarter-on-quarter – Compared to the quarter which precedes the quarter under consideration; for example, the third quarter of 2012 in comparison to the second quarter of 2012.
Year-on-year – Compared to the point in time, or the time period, which occurs one year before the point in time, or the time period, under consideration; for example, the first half year of 2012 in comparison to the first half year of 2011, or 30 June 2012 in comparison to 30 June 2011.
Austria Am Stadtpark 9 1030 Vienna Phone: +43-1-71 707-0 Fax: +43-1-71 707-1715 www.rbinternational.com ir@rbinternational.com rbi-pr@rbinternational.com
Belarus Priorbank JSC 31-A, V. Khoruzhey Str. 220002 Minsk Phone: +375-17-289 9090 Fax: +375-17-289 9191 SWIFT/BIC: PJCBBY2X www.priorbank.by
Bulgaria Raiffeisenbank (Bulgaria) EAd 18/20 Gogol Str. 1504 Sofia Phone: +359-2-919 85101 Fax: +359-2-943 4528 SWIFT/BIC: RZBBBGSF www.rbb.bg
Kosovo Raiffeisen Bank Kosovo J.S.C. UÇK Str. No. 51 10000 Pristina Phone: +381-38-222 222 Fax: +381-38-203 01130 SWIFT/BIC: RBKORS22 www.raiffeisen-kosovo.com
Russia ZAO Raiffeisenbank Smolenskaya-Sennaya Sq. 28 119020 Moscow Phone: +7-495-721 9900 Fax: +7-495-721 9901 SWIFT/BIC: RZBMRUMM www.raiffeisen.ru
Serbia Raiffeisen banka a.d. Djordja Stanojevica 16 11070 Novi Beograd Phone: +381-11-320 2100 Fax: +381-11-220 7080 SWIFT/BIC: RZBSRSBG www.raiffeisenbank.rs
Slovakia Tatra banka, a.s. Hodžovo námestie 3 81106 Bratislava Phone: +421-2-591 91111 Fax: +421-2-591 91110 SWIFT/BIC: TATRSKBX www.tatrabanka.sk
01011 Kiev Phone: +38-044-490 8888 Fax: +38-044-285 3231 SWIFT/BIC: AVALUAUK www.aval.ua
Albania Raiffeisen Leasing Sh.a. “European Trade Center” Bulevardi “Bajram Curri” Tirana Phone: +355-4-227 4920 Fax: +355-4-223 2524 www.raiffeisen.al
Belarus JLLC “Raiffeisen-Leasing” 31-A, V. Khoruzhey Str. 220002 Minsk Phone: +375-17-289 9394 Fax: +375-17-289 9394 www.priorbank.by
Bosnia and Herzegovina Raiffeisen Leasing d.o.o. Sarajevo Danileja Ozme 3 71000 Sarajevo Phone: +387-33-254 340 Fax: +387-33-212 273 www.rlbh.ba
Moldova I.C.S. Raiffeisen Leasing S.R.L. Alexandru cel Bun 51 2012 Chisinau Phone: +373-22-279 313 Fax: +373-22-228 381 www.raiffeisen-leasing.md
Romania Raiffeisen Leasing IFn S.A. Nusco Tower Sos Pipera Nr. 42 Etaj 1A 020112 Bucharest Phone: +40-21-306 9601 Fax: +40-37-287 9998 www.raiffeisen-leasing.ro
Russia OOO Raiffeisen-Leasing Stanislavskogo Str. 21/1 109004 Moscow Phone: +7-495-721 9980 Fax: +7-495-721 9901 www.raiffeisen-leasing.ru
Serbia Raiffeisen Leasing d.o.o. Djordja Stanojevica 16 11070 Novi Beograd Phone: +381-11-201 7700 Fax: +381-11-313 0081 www.raiffeisen-leasing.rs
Slovakia Tatra Leasing s.r.o. Hodžovo námestie 3 81106 Bratislava Phone: +421-2-591 93168 www.tatraleasing.sk
Slovenia Raiffeisen Leasing d.o.o. Zagrebška cesta 76 2000 Maribor Phone: +386-1-241 6250 Fax: +386-1-241 6268 www.rl-sl.si
Ukraine LLC Raiffeisen Leasing Aval 9, Moskovskiy Av. Corp. 5 Office 101 04073 Kiev Phone: +38-044-590 2490 www.rla.com.ua
Czech Republic Raiffeisen Leasing Real Estate s.r.o. Hvezdova 1716/2b 14078 Prague 4 Phone: +420-221-511 610 Fax: +420-221-511 641 www.rlre.cz
France RBI Representative Office Paris 9-11 Avenue Franklin D. Roosevelt 75008 Paris Phone: +33-1-456 12700 Fax: +33-1-456 11606
Germany RBI Representative Office Frankfurt Mainzer Landstraße 51 60329 Frankfurt Phone: +49-69-299 21918 Fax: +49-69-299 21922
Korea RBI Representative Office Korea 20th fl, SC Bank bldg. 47 Jongno Jongno-gu Seoul 110-702 Republic of Korea Phone: +82-2-398 5840 Fax: +82-2-398 5807
Vietnam RBI Representative Office Ho-Chi-Minh-City 35 Nguyen Hue Str., Harbour View Tower Room 601A, 6th Floor, Dist 1 Ho-Chi-Minh-City Phone: +84-8-382 97934 Fax: +84-8-382 21318
Publication details Editor, Publisher Raiffeisen Bank International AG Am Stadtpark 9 1030 Vienna Austria Phone: +43-1-71 707-0 Fax: +43-1-71 707-1715 Internet: www.rbinternational.com
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