Own funds requirement according to BWG – Defined in Section 22 BWG and involves the requirement for the credit risk, for position risk in bonds, equities and commodities and foreign currency and for the operational risk.
Portfolio-based loan loss provisions – Impairment provisions for portfolios of loans with identical risk profiles that may be compiled under certain conditions.
Projected unit credit method – An actuarial valuation method defined by IAS 19 that sees each period of service as giving rise to an additional unit of benefit entitlement and measures each unit separately to build up the final obligation (sometimes known as the accrued benefit method pro-rated on service or as the benefit/years of service method).
RZB-Kreditinstitutsgruppe – Pursuant to Section 30 of the Austrian Banking Act (BWG), RZB-Kreditinstitutsgruppe is made up of all banks, financial institutions, securities companies and companies rendering banking-related services in which RZB holds direct or indirect interests or has control as a superordinate institution.
Securitization – Special type of refinancing and the packaging of designated portfolios of loans or leasing claims with an appropriate level of credit enhancement and the redistribution of these portfolios to investors.
SEPA – Single European Payments Area. This is a project to create a European-wide standardized payment area. In this payment area there is no distinction between cross-border and national payments for customers anymore.
Wholesale funding – Refinancing of banks by way of external sources, i.e., not through their own funds or customer deposits.
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 2010 in comparison to the first half year of 2009, or 30 June 2010 in comparison to 30 June 2009.
Addresses Bulgaria Raiffeisenbank (Bulgaria) EAD 18/20 Ulica N. Gogol 1504 Sofia Tel.: +359-2-9198 5101 Fax: +359-2-943 4528 SWIFT/BIC: RZBBBGSF www.rbb.bg
Poland Raiffeisen Bank Polska S.A. Ul. Piękna 20 00549 Warszawa Tel.: +48-22-585 2001 Fax: +48-22-585 2585 SWIFT/BIC: RCBWPLPW www.raiffeisen.pl
Romania Raiffeisen Bank S.A. Piaţa Charles de Gaulle 15 011857 Bucureşti 1 Tel.: +40-21-306 1000 Fax: +40-21-230 0700 SWIFT/BIC: RZBRROBU www.raiffeisen.ro
Slovenia Raiffeisen Banka d.d. Zagrebeška cesta 76 2000 Maribor Tel.: +386-2-229 3100 Fax: +386-2-303 442 SWIFT/BIC: KREKSI22 www.raiffeisen.si
Austria Raiffeisen-Leasing International GmbH Am Stadtpark 3 1030 Wien Tel.: +43-1-71707 2966 Fax: +43-1-71707 2059 www.rli.co.at
Bosnien and Herzegovina Raiffeisen Leasing d.o.o. Sarajevo St. Branilaca Sarajeva No. 20 71000 Sarajevo Tel.: +387-33-254 354 Fax: +387-33-212 273 www.rlbh.ba
Bulgaria Raiffeisen Leasing Bulgaria OOD Business Park Sofia Building 7B, 4th floor 1766 Sofia Tel.: +359-2-491 9191 Fax: +359-2-974 2057 www.rlbg.bg
Croatia Raiffeisen Leasing d.o.o. Radnicka cesta 43 10000 Zagreb Tel.: +385-1-6595 000 Fax: +385-1-6595 050 www.rl-hr.hr
Hungary Raiffeisen Lízing Zrt. Hungaria krt. 40-44 1087 Budapest Tel.: +36-1-298 8000 Fax: +36-1-298 8010 www.raiffeisenlizing.hu
Kazakhstan Raiffeisen Leasing Kazakhstan LLP 146, Shevchenko Str., Flat 1 050008 Almaty Tel.: +7-727-3785 430 Fax: +7-727-3785 447 www.rlkz.kz
Moldova ICS Raiffeisen Leasing SRL 51 Alexandru cel Bun 2012 Chisinau Tel.: +373-22-2793 13 Fax: +373-22-2283 81 www.raiffeisen-leasing.md
Poland Raiffeisen-Leasing Polska S.A. Ul. Prosta 51 00838 Warszawa Tel.: +48-22-3263 600 Fax: +48-22-3263 601 www.rl.com.pl
Slovakia Tatra Leasing s.r.o. Hodžovo námestie 3 81106 Bratislava Tel.: +421-2-5919 3168 Fax: +421-2-5919 3048 www.tatraleasing.sk
Slovenia Raiffeisen Leasing d.o.o. Tivolska 30 (Center Tivoli) 1000 Ljubljana Tel.: +386-1-241 6250 Fax: +386-1-241 6268 www.rl-sl.com
Austria Am Stadtpark 9 1030 Wien Tel.: +43-1-71707 0 Fax: +43-1-71707 1715 SWIFT/BIC RZBAATWW www.rzb.at
Publisher: Raiffeisen International Bank-Holding AG Editor: Investor Relations Editorial deadline: 1 March 2010
Raiffeisen International Bank-Holding AG Am Stadtpark 3 1030 Vienna Austria Tel.: +43-1-71707 0 Fax: +43-1-71707 1715 www.ri.co.at
Investor Relations contact Tel.: +43-1-71707 2089 E-mail: investor.relations@ri.co.at Internet: www.ri.co.at → Investor Relations
Public Relations contact Tel.: +43-1-71707 2828 E-mail: ri-communications@ri.co.at Internet: www.ri.co.at → Public Relations
You will find the online version of the annual report at The original German version of the report is available at