ROE (return on equity) – Return on the total equity including non-controlling interests, i.e. profit before tax respectively after tax in relation to weighted average equity on the statement of financial position. Average equity is calculated on month-end figures including non-controlling interest and does not include current year profit.
Scorecard – A statistical tool in risk management for estimating risk parameters, typically used to determine probability of default or the loss-given default ratio.
Tier 1 ratio (credit risk) – The ratio’s numerator is core capital (tier 1) and its denominator is the risk-weighted assets of credit risk.
Tier 1 ratio (total) – The ratio’s numerator is core capital and its denominator is the total risk-weighted assets.
Wholesale funding – Refinancing of banks by way of external sources, i.e. not through their own funds or customer deposits.
Bulgaria Raiffeisenbank (Bulgaria) EAd Ulica N. Gogol 18/20 1504 Sofia Phone: +359-2-91 985 101 Fax: +359-2-94 345 28 SWIFT/BIC: RZBBBGSF www.rbb.bg
Kosovo Raiffeisen Bank Kosovo J.S.C. Rruga UÇK, No. 51 10000 Pristina Phone: +381-38-22 222 2 Fax: +381-38-20 301 130 SWIFT/BIC: RBKORS22 www.raiffeisen-kosovo.com
Russia ZAO Raiffeisenbank Smolenskaya-Sennaya Sq. 28 119002 Moscow Phone: +7-495-72 1-9900 Fax: +7-495-72 1-9901 SWIFT/BIC: RZBMRUMM www.raiffeisen.ru
Slovenia Raiffeisen Banka d.d. Zagrebška cesta 76 2000 Maribor Phone: +386-2-22 931 00 Fax: +386-2-30 344 2 SWIFT/BIC: KREKSI22 www.raiffeisen.si
Bulgaria Raiffeisen Leasing Bulgaria OOd Mladost 4, Business Park Sofia Building 7B, 4th floor 1766 Sofia www.rlbg.bg
Hungary Raiffeisen Lízing Zrt. vaci ut 81-85 1139 Budapest Phone: +36-1-298 8000 Fax: +36-1-298 8010 www.raiffeisenlizing.hu
Romania Raiffeisen Leasing IFn S.A. 246 D Calea Floreasca 014476 Bucharest www.raiffeisen-leasing.ro
Russia OOO Raiffeisen-Leasing Stanislavskogo Str. 21/1 109004 Moscow Phone: +7-495-72 1-9980 Fax: +7-495-72 1-9572 www.raiffeisen-leasing.ru
Hodžovo námestie 3 81106 Bratislava Phone: +421-2-59 19-3168 Fax: +421-2-59 19-3048 www.tatraleasing.sk
RBI Representative Office Zhuhai Room 2404, Yue Cai Building No. 188, Jingshan Road, Jida, Zhuhai, Guangdong Province P.R. China Phone: +86-756-32 3-3500 Fax: +86-756-32 3-3321
Korea RBI Representative Office Korea # 1809 Le Meilleur Jongno Tower 24 Jongno 1-ga Seoul 110-888 Republic of Korea Phone: +82-2-72 5-7951 Fax: +82-2-72 5-7988
F.J. Elsner Trading GmbH Am Heumarkt 10 1030 vienna Phone: +43-1-79 736-0 Fax: +43-1-79 736-230 www.elsner.at
Kathrein Privatbank Aktiengesellschaft Wipplingerstraße 25 1010 vienna Phone: +43-1-53 451-300 Fax: +43-1-53 451-8000 www.kathrein.at
For Group Communications inquiries Phone: +43-1-71 707-1298 E-mail: rbi-pr@rbinternational.com Internet: www.rbinternational.com → Public Relations
This annual report has been prepared and the data checked with the greatest possible care. Nonetheless, rounding, transmission, typesetting and printing errors cannot be ruled out. In the summing up of rounded amounts and percentages, rounding-off differences may occur. This annual report was prepared in German. The annual report in English is a translation of the original German report. The only authentic version is the German version.