our social responsibility

THE BUSINESS SEGMENTS OF THE RAIFFEISEN-L ANDESBANK STEIERMARK AG

CORPORATE CUSTOMER BUSINESS

As a network bank, we held account manager

LIVED PARTNERSHIP

retreats as well as specialist seminars on commercial domestic and international business for the

In

2009

the

corporate

customer

business

of

corporate bankers of Styrian Raiffeisen banks.

Raiffeisen-Landesbank Steiermark AG was once again focused on the business segments of industry,

34

institutional customers and the public sector. We

INTERNATIONAL SERVICE

have gone through difficult times together with our

WORLD TRADE IN CRISIS

customers and we have overcome them together. This has included intensive consultations with our

In the wake of the economic crisis, world trade really

customers and bridge financing.

went to the dogs. Through multi-billion Euro aid packages Austria is trying to shore up dramatically

Volume of financing

EUR 3,360 million

+4.0 %

Deposits

EUR 666 million

+7.5 %

The volume of transactions in derivatives was EUR 300 million in this business segment and we could also achieve a very satisfactory new volume of leasing of EUR 68 million. In the services business, interest rate hedging was

falling exports. The downward trend could be slowed in this way, but trade and production in industrial countries is still at a very low level. This has also clearly left a mark on our international business. The total volumes of documentary business decreased by 27 %. Thus, we are once again at the same level as 2007. The total volume of foreign payment transactions also declined by 10 %.

a top priority of the cross-selling. At the same time, the Raiffeisen-Landesbank Steiermark AG could establish itself very well in the financing and services

PRIVATE CUSTOMER BUSINESS COMMITTED TO PEOPLE

business as a partner of Styrian corporate clients. In 2009, the focus of our marketing was on “export” and “renewable energies”. There were customer events on both of these topics, which were received with great interest and were very well attended.

The good news first: In a year characterised by a difficult environment in the financial sector, our 11 bank branches as well as the “Bauen & Wohnen” (Building & Living) and “Musterhauspark” (Model Home Park) competence centres and the “Raiffeisen UniCenter” (Raiffeisen University Centre) managed

PRIVATE BANKING

close to our customers in 2009. This closeness,

THE DIFFERENCE TO THE EVERYDAY

coupled with top service and consulting, resulted in an increase in every area of our private customer

2009 was a good year for our Private Banking. We

business in 2009.

have established ourselves very well in Graz and have got things going. In this way, we have been able

Savings deposits

EUR 513.5 million

+2.88 %

Demand deposits (incl. investment and online savings)

EUR 193.7 million

+33.36 %

to convince many new customers of our offer. Our

Private

Banking

follows

a

comprehensive

advisory approach. Our top priorities are to create, increase and secure assets and to provide total customer service. Our core services range from

Apart from the primary resources listed in the table, we could also increase the total revenue of resources (primary

resources,

securities,

building

asset structure consulting to financial planning to investment of assets and generation management.

society

savings, and insurances) in the private customer business. It rose by 0.89 % to EUR 1,098.5 million. The financing volumes also clearly grew. At the

Private banking could increase its market share of high net-worth private and corporate customers and improve customer loyalty in 2009.

end of the year, there was a plus of 12.5 % to EUR 197 million.

The “difference to the everyday” could also be felt at numerous special customer events and private

Our bank is a place of communication. Of course, we once again organised a whole series of events for our customers in 2009. The most notable one was certainly our energy saving tent, which we presented as part of the Energy Saving Day on the main square of Graz.

viewings. For example, there was a panel discussion on the topic of “The Crisis and Then?”. State Secretary Reinhold Lopatka spoke on the topic of “Taxes, Foundations, Mountains of Debt – Where Do Austria’s Finances Go?” at an evening discussion and Heinz Nußbaumer inspired the audience with his talk on “Pilgrimage in Silence – On the Holy Mount

But there were also investments in construction in 2009. The renovation of the bank branch in TheodorKörner-Straße got underway and was finished in January 2010.

Athos”. The artists Helga Chibidziura, Bernhard Eisendle and Tone Fink presented their work in the Raiffeisen Gallery in 2009.

2009 ANNUAL REPORT

to achieve very good results. We were once again

35

INSURANCE & BUILDING SOCIET Y SAVINGS

was a good deal of scepticism about big real estate

WELL INSURED ON A SOLID FOUNDATION

investments outside of metropolitan areas. Nevertheless, we could significantly increase both the

In terms of “traditional endowment insurance“, an

real estate financing (+17.3 %) as well as the real

excellent result could be achieved in 2009 with a

estate brokerage (+10 %).

production of EUR 158.2 million. In comparison with other Raiffeisen regional banks, Styria was ranked number 1.

36 An outstanding annual result was once again achieved for life insurance with a total production

Purchase prices brokered by Raiffeisen Real Estate

EUR 49.6 million

+9.9 %

Home loan net growth

EUR 178.2 million

+17.8 %

of around EUR 234.3 million. In accident insurance, the portfolio increased by 8.2 % which clearly surpassed the Austrian average of 5.8 %. In terms of building society savings, 458,887 new savings contracts could be concluded in Styria

As part of the “Green Village“ ideas competition for architects, the prototype for a new kind of residential property was created with high demands on ecology, building biology, quality of housing, security and affordability. The winning project is to be built in 2010.

alone. This represents an increase of 1.4 % compared to the previous year. It was possible to expand the overall Austrian portfolio of savings contracts

CAPITAL MARKET & TREASURY WE CONNECT PEOPLE AND BANKS

to 1,678,680 and thus to relegate our biggest competitor to second place.

2009 was characterised by an extensive easing of markets in spring. Risk premiums declined significantly backed by the action of governments and

APARTMENT, HOUSE & CO. MAKING A HOME In 2009, we had to manoeuvre through a very difficult market environment. On the one hand, the demand, mainly for easy-to-rent town apartments, was great, but the supply was rather scarce. In addition, there

central banks. The economic crisis was also a big challenge for the Raiffeisen-Landesbank Steiermark AG. All the more gratifying was the fact that we withstood the crisis without any major difficulties. We even managed to expand the strong liquidity situation of the bank in this environment. Higher returns

Especially in a market environment like 2009, it was

attractive investment opportunities. Many of our

particularly important for us to be able to offer our

customers also took the opportunity to hedge

customers

against future risks such as rising interest rates.

solutions. We have investment products and other

interesting

products

and

possible

instruments to take advantage of interesting market The

institutional

opportunities and to control risks for both our private

investors was EUR 689.3 million in 2009. There were

issue

volume

to

private

and

and corporate customers as well as for Styrian

EUR 2.5 billion of issues outstanding by the end

Raiffeisen banks.

of 2009. The development of the Liquiditätsverbund Steier-

RAIFFEISEN BANK SUPPORT

mark (Styrian Liquidity Group) was certainly the

PARTNER AMONG PARTNERS

dominant project of 2009. We thus succeeded in establishing a liquidity group made up of the

Raiffeisen is a three tier banking system. The local

88 Styrian Raiffeisen banks, the Raiffeisen-Landes-

Raiffeisen banks form the first tier, the Raiffeisen

bank Steiermark AG and the Landes-Hypotheken-

regional banks the second tier, and finally the third

bank Steiermark AG. Joint management of liquidity

tier is the Raiffeisen Zentralbank Österreich AG

according to binding rules guarantees that the

(Raiffeisen Central Bank Austria).

members will be able to act from a position of strength in the case of future crises.

The Raiffeisen-Landesbank Steiermark AG is, on the one hand, a bank that operates independently on the

The efficient use of the securities of the group were

market and handles any business that exceeds the

organised in the “Cover Pool Management” project in

possibilities of the local Raiffeisen banks. On the other

order to enhance the competitiveness of the group

hand, it is also an important institution of the net-

and to further expand access to long-term, cheap

work, which takes over many activities for the local

liquidity. This includes access to refinancing options

Raiffeisen banks. This mainly includes sales and

from the Swiss National Bank, the use of securities of

marketing, organisation and business administration.

the Group and the Raiffeisen-Bankengruppe Steiermark (Raiffeisen Banking Group Styria) for partici-

Our scope of services for Styrian Raiffeisen banks

pating in tenders of the European Central Bank and

ranges from active support in the strategic and ope-

the use of receivables as part of what are known as

rational alignment of sales and marketing to the

covered bonds (fundierte Schuldverschreibung).

development of new organisational concepts to the introduction of business administration systems.

2009 ANNUAL REPORT

were realised and we could offer our customers

37

In 2009, there were 244 projects in total and

A SME financing company was founded at the end of

103 seminars and training sessions for a total of

2008 to assist small and medium-sized businesses.

1,336 participants. Thus, about 43 % of the staff of

Since 2009, it has invested equity in small and

Styrian Raiffeisen banks attended one of the semi-

medium-sized businesses. The focus of its invest-

nars or training sessions offered by the Raiffeisen-

ment strategy is mainly aimed at companies with

Landesbank Steiermark AG.

stable economic development, a viable position on the market and primarily some connection to the

38

Main focuses of the past year were also the joint

region.

development of a concept for the continued intensification of private customer service as well as supporting Styrian Raiffeisen banks in overall bank

RAIFFEISEN INFORMATICS CENTER ST YRIA

management systems. Two new controlling instru-

PL AYING IT SAFE BY THE NUMBERS

ments were designed and developed as part of this: the “Ergebnisvorschaurechnung neu“ (Profit Fore-

The first year after the spin off of the Computing

casting New) and the “KOMPASS“ – an analytical tool

Centre as a division of the Raiffeisen-Landesbank

to monitor volumes, conditions and margins. Both

Steiermark AG to the Raiffeisen Informatik Center

are available to Styrian Raiffeisen banks as of 2010.

Steiermark GMBH (Raiffeisen Informatics Centre) was characterised by cost optimisation and the further development of our systems and applications.

SHAREHOLDINGS STRENGTHENING PARTNERS

Our customers not only expect us to offer them top quality products and services, but they also expect

2009 saw a slight increase in the book value of our

with good reason that we react promptly to new

shareholdings. It rose from about EUR 1,112 million

challenges. The expansion of the IT services provid-

to around EUR 1,167 million. The change in the

ed by us in the areas of financing, money launder-

investment volume was mainly due to the spin off of

ing, security and treasury can only be implemented

the Computing Centre as a division of Raiffeisen-

by

Landesbank Steiermark AG to its own company.

processes. Our IT services could be further im -

the

continuous

optimisation

of

all

service

proved while at the same time maintaining the The shareholdings in banks – Raiffeisen Zentralbank

use of resources through a consistent process

Österreich AG, Landes-Hypothekenbank Steiermark

orientation. Our online availability is 99.9 %. The

AG and the network banks in Hungary, Slovenia,

number of online transactions was also impressive

Croatia, and Bosnia-Herzegovina – are still a major

in 2009 at more than 387 million.

part of our shareholdings.

2009 also saw significant increases in every area

ments in the future of the IT infrastructure of our

of payment transactions of the Raiffeisen-Banken-

Group. Besides increasing availability, the goals of

gruppe Steiermark and the Landes-Hypotheken-

all the investments were improved scalability and

bank Steiermark AG. With 110.6 million (+2.7 %)

higher efficiency of the system management. Of

we set a new record in payment transactions. The

course, the costs are also to be reduced in the

number of online customers also grew at an above-

long term.

average rate. More than 197,000 customers use ELBA, our online platform, which represents an

What was particularly gratifying in 2009 was that we won the “HP Software Award of Excellence” in the category of efficiency. The most innovative international company in terms of optimisation projects in the IT sector was thus honoured.

PAYMENT TRANSACTIONS OVERCOMING LIMITS The defining topic of 2009 in payment transactions was the implementation of the Payment Services Act (ZaDiG) which went into effect on 1 November. In preparation for this, a total of 473 employees of the Raiffeisen Banking Group Styria and the Landes-Hypothekenbank

Steiermark

AG

were

trained accordingly. With the entry into force of the Payment Services Act, we also implemented SEPA (Single Euro Payments Area) at the same time.

increase of +8.3 %.

2009 ANNUAL REPORT

In the first two quarters of 2009, there were invest-

39

“IN OUR SPORT, YOU CAN ONLY WIN AS A TEAM. WE NEED GOOD PL AYERS AND COMPETENT ADVISORS AND SPONSORS WHO BELIEVE IN US. LIKE RAIFFEISEN.” Alexander Nunner, BSC Raiffeisen Fürstenfeld

SPONSOR OF SUCCESS

42

Raiffeisen and its customers. A success story. Both

In 2009, we were, of course, also heavily involved

trust each other and travel together side by side. But

in the social sector. “2 Beine für 4 Pfoten” (2 Legs for

Raiffeisen is not only a reliable partner to customers.

4 Paws), the “Bärenburg” (child safety house), the

Our banking group is also one of the most generous

“Children’s Museum”, the “Maltese Benefit Evening”

sponsors in Styria. We ensure that a lot succeeds

and the “Unemployment Fund of the Graz-Seckau

and that Styria can present itself properly. Whether in

Diocese” are examples of marvellous projects that

sports, the arts, the social sector, or science and

we gladly supported.

research. Regardless where: We are not just there, we are right in the middle. We not only help teams to

We were also present at the universities of applied

be successful, but we make sure that events can

sciences and universities of Styria in 2009. Our staff

happen, that children can go through life more safely

members were once again sought-after speakers

and that research and teaching can progress. In

and advisors in the university sector in 2009, for

2009, too. Here are a few examples:

example, as part of the “Media Studies program”.

In sports, we were, among others, involved in the

Speaking of media, we were, of course, once again a

“100 Anniversary of Sturm Graz“, we supported the

reliable partner of Styrian media in 2009.

th

basketball players of “BSC Raiffeisen Fürstenfeld” and “UBSC Raiffeisen Graz” as well as the Styrian

We are there where life takes place and where one

Sports Organisation, the Business Race and the

can find the people of Styria.

Sport-Union (sports umbrella organisation). In the field of culture, we were, of course, once again on board as the main sponsor of styriarte. “Porgy and Bess”, “Summertime” and the “Te Deum” of Georg Friedrich Händel in Stainz were three productions that we helped make possible and to which we could welcome customers and partners as guests. We were also involved in the film project “Auf den Spuren des steirischen Panthers” (On the Trail of the Styrian Panther) as well as the JazzWerkstatt (Jazz Workshop) and the French Cultural Institute.

2009 was a particularly challenging year for bank

Our human resources management makes sure that

employees. For those of the Raiffeisen-Landesbank

this is true in the future, too. In an increasingly com-

Steiermark AG, too. The world economic crisis led to

petitive situation, our main focus is on finding highly

a certain degree of uncertainty among many of our

qualified and talented people who have the potential

customers, with which our tellers were mainly

to grow into the Raiffeisen-Landesbank Steiermark

confronted. Many questions were answered in a

AG and its subsidiaries. Since the high personnel

competent and friendly way and thus worries and

standards that we want to meet are to be guaranteed

fears were allayed in the end. This is also part of

in the future. People with their qualifications, skills

banking. To take the worries and concerns of

and experience as well as their commitment have

customers seriously, to deal with them and to not

always been central to us. We do not leave our

simply dismiss them. But you need the right people

employees alone in their professional career. We

to do this. And we have them.

provide for sound training and further education. That is what makes an employer attractive. Human resources is a sector that is subject to a certain degree of fluctuation. As of 31 December 2009, there were 919 women and men employed in the Raiffeisen-Landesbank Steiermark AG and its subsidiaries (excluding the Landes-Hypothekenbank Steiermark AG). In 2009, there were 40 retirements, and 27 new colleagues joined our bank and thus strengthened our team.

2009 ANNUAL REPORT

TEAM SUCCESS

“OUR CUSTOMERS ARE MULTIFACETED JUST LIKE LIFE. THEIR NEEDS AND DESIRES CHANGE OVER TIME. OUR JOB IS TO FIND THE BEST PRODUCT AT A TIME THAT IS CONVENIENT FOR THEM.” Eva Pilger-Buchegger, Raiffeisen-Landesbank Steiermark

47

919 PEOPLE IN THE RAIFFEISENL ANDESBANK STEIERMARK WORK TOGETHER FOR YOU

Helmut ABERL • Birgit ABL ASSER • Gottfried ADAM • Gerald ADLER • Irmgard ADLER • Rosemarie ADLER • Thomas AGLASSINGER • Daniela ALBRECHER • Wolfgang ALBRECHER • Karl ALLMER • Manfred ALTENSTRASSER • Sabine AMERSTORFER • Alois AMSCHL • Christine ANDERS • Hansjörg ARNDT • Peter AUER • Karin AUER-TARVAINEN • Ingrid AUGUSTIN • Gebhard AUNER • Armin BACHLER • Silvia BACHLER • Anton BAIER • Karoline BARMÜLLER • Ulrike BARTH • Helmut BAUDENDISTEL • Sabine BAUER • Veronika BAUER • Christian BAUERNHOFER • Johann BAUERNHOFER • Alois BAUMANN • Anton BAUMGARTNER • Ewald BAUMGARTNER • Thorsten BAUMGARTNER • Veronika BAUMGARTNER • Gerhard BAUMHAKL • Friederike BECKER • Elisabeth BERGHOLD • Sigrid BERGMANN • Sigrid BILEK • Karl Thomas BINDER • Franziska BIRKER • Reinhold BISCHOF • Siegfried BISCHOF • Eveline BL AINDORFER • Karin BLASCHEK • Andrea BLODER • Andrea BODNER • Daniela BÖHM • Hans-Jörg BORSTNAR • Heinz BRANDL • Eva-Maria BRANDNER • Gerhard BRANDSTÄTTER • Maria BREINER • Irmgard BREITHUBER • Karin BRETTENTHALER • Franz BRETTERKLIEBER • Dzejn BRKIC • Heinz BRÜCKLER • Franz BRUNADER • Alexander BRUNNER • Christian BRUNNER • Ingrid BRUNNER • Anton BUCHBERGER • Ger t BUCHEGGER • Johannes BURGSTEINER • Claudia BURITSCH • Barbara CAPELLARI • Markus CRESNAR • Elisabeth CSUK • Rober t CSUK • Silvo CVETKO • Franz CZENE • Stefan DAHM • Birgit DAMPFHOFER • Johann DAMPFHOFER • Tamara DANI • Elisabeth DERLER • Johannes DERLER • Josef DIEBALD • Dimitrios DIMITRIOU • Mario DJUZELIC • Franz DOBLER • Thomas DOKTER • Mar tin DOLINAR • Norber t DOMENIG • Dorothea DOPPELHOFER • Rosemarie DOPPLER • Hannes DORNER • Helga DORNER • Katharina DRAGSCHITS-HAL AJ • Karl ECKHART • Maria EDELSBRUNNER • Reinhold EDELSBRUNNER • Mar tin EDLER • Stefanie EDLER • Michael EFFERL • Gernot EGGER • Günther EHRENREICH • Markus EIBISBERGER • Stef fen EIBÖCK • Markus EISENHUT • Gerald EISNER • Gerhard EISNER • Ingrid EISNER • Irmgard EISSNER • Anna ELSNEG • Günter ENDERLE • Josef ENGELBOGEN • Eva ENGLER • Ladislaus ERDELY • Reinhard ERKINGER • Claudia ERNST • Elisabeth ERTL • Otto ESTERL • Andrea FASCHING • Josef FAST • Gerhard FEICHTER • Günther FEIERTAG • Dunja FEIGL • Kerstin FEIRER • Petra FELBER • Markus FELDGITSCHER • Josef FELDHOFER • Gerlinde FELGITSCHER • Roland FELGITSCHER • Adolf FERSTL • Norber t FIGER • Marina FILIPP • Doris FINK • Wolfgang FINK • Christian FLECHL • Cornelia FLECHL • Gerhard FLECK • Christine FLEISCHHACKER • Günther FLEISCHHACKER • Thomas FORCHE • Monika FORMANEK • Birgit FRANK • Wolfgang FREIBERGER • Stefan FREIDL • Florian FREISSMUTH • Petra FRITSCH • Elisabeth FRÖHLICH • Franz FUCHS • Marion FUCHS • Sabine FUCHS • Cornelia FUNK • Christine FÜRST • Isabella FURTLEHNER • Franz GAISCH • Rene GAISCH • Mar tin GALLI • Marianne GAMPERL • Karin GANGL • Daniela GANGOLY • Arnold GASSNER • Elisabeth GASSNER • Elmar GASSNER • Erna GASSNER • Karin GAUSTER • Günther GEIEREGGER • Ger t GENSER • Alessandro GEROMELLA • Eva GFRERRER • Michaela GIMPEL • Helmut GL AUNINGER • Karl GLEHR • Andreas GLETTLER • Andreas GLETTLER • Leila GLETTLER • Hans GOBLIRSCH • Karl GÖTSCHL • Eva GÖTSCHMAIER • Marlies GÖTZL • Walter GÖTZL • Roswitha GOGG • Elfriede GOISER • Patricia GOL AUTSCHNIG • Bernhard GOLLNER • Josef GOSCH • Edith GRABENHOFER • Judith GRABNER • Harald GRADWOHL • Werner GRAF • Mathilde GRAFONER • David GRASSMUGG • Dietmar GRATZ • Joachim GRATZE • Johannes GRATZER • Ewald GREINIX • Mar tin GREINIX • Mar tina GRIESSLER • Bettina GRILL • Alexandra GRINSCHGL • Verena GRINSCHGL • Cornelia GROICHER • Ewald GROSS • Richard GROSS • Karl GROSSMANN • Birgit GROSZSCHEDL • Franz GROSZSCHEDL • Sabine GRUBBAUER • Andreas GRUBER • Anita GRUBER • Walter GRUBER • Charlotte GRUNDNER • Franz GSCHWEITL • Ilse GSPURNING • Elmira GULO • Helmut GUNGL • Ariane GUNHOLD • Hermine GUTJAHR • Daniela GÜTL • Theresia GUTMANN • Klaus GUTTMANN • Vik tor HA AR • Christoph HA AS • Herber t HACKL • Andrea HADOLT • Gabriela HAID • Hermann HAIDACHER • Sieglinde HAIDACHER • Walter HAIDACHER • Jörg HALLEUX • Arndt HALLMANN • Anton HAMMER • Maria HAMMER • Elisabeth HANFSTINGL • Rudolf HANSELMAYER • Astrid HARLER • Gerlinde HARRANT • Andreas HARRER • Barbara HARTINGER • Gerhard HARTINGER • Irmgard HASENBERGER • Sylvia HASENHÜNDL • Doris HASEWEND • Christina HASIBA • Mario HATZ • Walter HATZ • Annemarie HATZL • Markus HAUPTMANN • Florian HAUSLEITNER • Tanja HAUSMANN • Andrea HAZELMAYER • Thomas HAZRATI • Markus HEFLER • Vinzenz HEHER • Heiko HELD • Marion HELFER • Claire HEMERY • Renate HERLER-ACHMÜLLER • Michael HERMANN • Stefan HERMANN • Wilhelm HERZER • Gabriele HETZENDORF-ORESNIK • Markus HIEBLER • Mar tina HIERZENHOFER • Ingrid HIERZER • Katrin HINTEREGGER • Elisabeth HIPPACHER • Ernst HIPPACHER • Josef HIRSCHMANN • Gerhard HOCHSTRASSER • Walter HÖFER • Barbara HÖFLECHNER • Christian HÖFLER • Herber t HÖFLER • Siegfried HÖGL • Elvira HÖSEL • Brigitte HOFER • Josef HOFER • Andrea HOFMAIR • Susanne HOFMANN • Heriber t HOFMEISTER • Maria HOHENTHAL • Ger fried HOLD • Monika HOLL • Johann HOLZAPFEL • Eva HOLZMANN • Margit HORBATH • Brigitta HUBER • Hermann HUBER • Johann HUBER • Meike HUDA • Daniel HUDL • Christian HUMPEL • Herber t HYDEN • Thomas IMENSEK • Sandra INTHALER • Gabriele JAINDL • Angela JAMBREC • Wolfgang JAMBREC • Wolfgang JAMMERNEGG • Mar tina JANISCH • Manfred JANSK Y • Albine JANTSCHER • Alexander JAUK • Johann JAUK • Margit JAUK • Sonja JAUK • Margit JAUTZ • Mar tin JEINDL • Kjeld Seneca JENSEN • Barbara JONACHER • Daniela K AGER • Monika K AHLBACHER • Andreas K AHR • Manfred K AHR • Renate K AHR • Eva K AHR-F RÖHLICH • Margareta K AINDL • Hildegard K AISERFELD • Gerhard K ALCHER • Lisbeth K ALCHER • Peter K ALCHER • Andreas K AMPER • Rosmarie K AMPER • Markus K AMRAT • Heidelinde K ANIK • Andrea K APFENSTEINER • Renate K ARABELAS • Huber ta K ARNER • Natalie K ARNER • Rudolf K ARNETSCHNIGG • Karin K ASCHNIGG • Karin K ATSCHNIG • Gerhard K AUFMANN • Gerhard K AUFMANN • Marion K AUFMANN • Ewald KERN • Michael KERN • Renate KERN • Sigrid KERNGAST • Beate KESSLER • Dieter KETTL • Michael KIEFER • Walter KIEFER • Sandra KIELHAUSER • Armin KIENREICH • Elisabeth KINDLHOFER • Christina KIRCHENGAST • Manfred KLAMPFER • Anton KLAPSCH • Marianne KLASNIC • Günter KLEINDL • Renate KLEINDL-POSCH • Brigitte KLINGSBIGEL • Dagmar KLÖCKL • Karin KLÖCKL • Siegfried KLOPF • Uwe KLOSA • Maria KNAPP • Maria KNAUHS • Elke KNEISSL • Evelyn KOCH • Georg KOCH • Gernot KOCH • Alber t KÖCK • Ernestine KÖCK • Johann KÖCK • Stephan KÖCK • Johann KÖSTL • Sigiber t KÖTSCHLER • Daniela KOFLER • Renate KOFLER • Brigitte KOGLER • Enrico KOGLER • Gerald KOGLER • Werner KOGLER • Helmut KOHL • Johann KOHL • Maria KOHL • Akim KOHLMAYR • Sabine KOINEGG • Karin- Gabriela KOLB • Maria KOLB • Renate KOLLEGGER • Philipp KOLLER • Alfred KONRAD • Josef KONRAD • Thomas KORMANN • Harald KORSCHELT • Klaus KOTZBECK • Elfriede KOWALD • Gisela KRACH • Eva KRAINZ • Manfred KRANKENEDL • Marco KRAUTNER • Anna KRA XNER • Astrid KRA XNER • Isabella KRA XNER • Thomas KRA XNER • Rainer KRENN • Franz KRENN • Walter KRESBACH • Josef KRIEGL • Irene KRISPEL • Christian KRITZER • Nicole KROBATH • Marlies KROIS • Harald KROPIK • Franz KUHELNIK • Johannes KUMPITSCH • Petra KUMPITSCH • Mar tin KUNDEGRABER • Rober t KUNTNER • Christian KUPFER • Heinz-Jürgen KUPSCH • Brigitte KURZ • Alfred L ACKNER • Josef L ACKNER • Stefan L ADLER • Franz L AGNOL • Michael L ALLER • Nikolaus LALLITSCH • Dietmar LAMBAUER • Johannes LAMMER • Christian LANG • Gerhardt LANG • Rosa LANG • Thomas LANG • Detlev LANGREITER • Josef LANZ • Gabriele LECHNER • Johann LECHNER • Michaela LECHPAMMER • Bettina LEDERER • Helmut LEINDL • Andrea LEINER • Eleonore LEITGEB • Rene LEITNER • Alfred LELLECK • Irmgard LENGER • Friedrich LENGGER • Elfriede LENHARD • Josef LENHARDT • Bernd LEODOLTER • Hans-Jürgen LERCHBACHER • Sabrina LESK Y • Katrin LESNIK • Christiane LETTMAYER • Uwe LEXNER • Elisabeth LIND • Susanne LIND • Gerhard LINDNER • Anita LIPP • Johann LOH • Wolfgang LOIPNER • Barbara LOITZL • Roland LUBEJ • Heidemarie LUBER • Christoph LUBI • Claudia LÜFTENEGGER • Karin LURF • Bettina LUTTENBERGER • Gerald LUTTENBERGER • Heidemarie MACHER • Karl MACHER • Helene MADNER • Daniel MAIER • Günter MAIER-PA AR • Markus MAIR • Ger trude MAITZ • Roswitha MAITZ • Sabine MAJCAN • Sabine MALY • Brigitte MANDL • Gerhard MANN • Eva MARCHEL • Kur t MAROLD • Tanja MARTERER • Peter MARX • Ernst MASTNAK • Harald MATL • Margret MATLSCHWEIGER • Marianne MATZHOLD • Peter MATZHOLD • Andreas MAURER • Gerlinde MAURER • Ingrid MAURER • Walter MAURER • Doris MA XONES • Gerhard MAYER • Horst MAYER • Ursula MAYER • Walter MAYER • Paulus MAYR • Franz MEIREGGER • Iris MEISENBICHLER • Helmut MEISTER • Markus MEISTER • Hannes MEIXNER • Bernhard MELLITZER • Maria MENAPACE • Dagmar MERNONE • Heimo MESSNER • Christina MICHELI • Andreas MICHITSCH • Gordana MIHALJEVIC • Manfred MINAUF • Roswitha MOISES • Mario MONSCHEIN • Marin MORARU • Veronica MORARU • Verena MORO • Anna MÖRTH • Johannes MÖRTH • Josef MÖSTL • Heide MOSDORFER • Doris MOSER • Heike MOSER • Marianne MOSER • Mar tin MOSER • Herber t MOTTER • Alexandra MÜHLBAUER • Gerald MÜLLNER • Christian MÜNZER • Thomas MURG • Bernd MURTINGER • Maria NAGER • Beatrix NARATH • Christian NEBEL • Heinz NEBEL • Daniela NEMECEK • Sandra NEUBAUER • Kur t NEUHOLD • Eva NEURATHNER • Katharina NIESNER • Christa NIGITZ • Daniel NIKITSER • Roswitha NINAUS • Michaela NOVAK • Gabriele OBERER • Maria OBERHUBER • Gerhard ORNIG • Wilhelm ORTNER • Andreas OSL AJ • Erich OSWALD • Ulrike OSWALD-KRAINER • Gabriele PA AR • Anneliese PABI • Wolfgang PACHER • Matthias PACK • Ulfried PAIER • Annelies PAIERL • Gabriele PANZER • Herber t PAULITSCH • Sonja PAVLICEK • Veronika PEIER • Thomas PEINSITH • Dorothea PEINSITT • Alois PELZMANN • Meike PERL • Sabrina PERSCHLER • Mar tina PESSENHOFER • Werner PETSCHNIK • Iris PFANNER • Klaus PFEIFER • Gregor PFNISS • Gioia PICCOLROVAZZI HLATK Y • Christian PICHLER • Elisabeth PICHLER • Marian PICHLER • Elisabeth PIERER • Eva PILGER-BUCHEGGER • Johannes PINEGGER • Mia-Ileana PINEGGER • Thomas PINTHER • Michael PINTSCHER • Ingrid PIRER • Ger t PIRKER • Her ta PIRSTINGER • Catherine PISTRICH • Monika PLANINSCHITSCH • Maria PLANKO • Stefan PLASCHK A • Elisabeth PLEDL • Thomas PLETERSEK • Gerald PLEWA • Thomas PLODER • Sandra PLODERER • Bettina POBASCHNIG • Rudolf POCK • Christine PODMENIK • Gerhard PODMENIK • Gundula PODREPSEK-SCHWARZ • Richard PÖLLINGER • Elisabeth PÖLTL • Sandra PÖTTINGER • Rober t PÖTTLER • Dietmar PONGRATZ • Michael PONTASCH-HÖRZER • Irena POPIC • Siegfried POSCH • Barbara POSTRUZNIK • Daniela POTOCNIK • Elisabeth PÖTSCH • Helmut POTZINGER • Margareta PRANGL • Evelyn PRANTER • Ulrike PRATH • Harald PRATSCH • Irmgard PREDOTA • Franz PREITLER • Johannes PREM • Werner PRESSLER • Christina PRETTERHOFER • Bettina PUCHER • Ingrid PURRER • Barbara PÜRSTL-SCHEIN • Wilhelmine PUSTER • Hannes QUAISER • Mar tin RADASCHITZ • Christina RADL • Gerhard RAHBERGER • Michael RAHM • Christine RAINBACHER • Randolf RAINER • Hannelore RANEGGER • Konrad RANNAK • Franz RAPPOLD • Nina RATH • Christa RATTINGER • Regina RAUSCH • Petra RAUSCHENBERG • Klaudia RECHL • Waltraud RECHLING • Gerald REDER • Rolf REGUL A • Sonja REIHER • Irmgard REINGRUBER • Dieter REINISCH • Karl REINISCH • Maria REINISCH • Jürgen REINTHALER • Gerhard REISCHER • Her wig REISENHOFER • Manfred REISINGER • Franz REITER • Manfred REITER • Christa REMLER • Marianne RENHART • Erich RENZL • Barbara RESCH • Eva RICHTER-KERNREICH • Sabina RIECK-DILSK Y • Franz RIEDRICH • Elisabeth RIEGER • Hermann RIEGLER • Regina RIEGLER • Regina RINGHOFER-SCHWEIGLER • Mar tina RITZ • Susanne RÖGER • Franz ROGI • Günther ROHLFING • Peter ROHRER • Edeltraud ROM-BUCHBERGER • Franz ROSENBERGER • Mar tin ROUBAL • Melanie ROYER • Gerald RUCKENSTUHL • Peter RUCKER • Petra RUDERER-KNOLLMAYR • Johann SACHS • Harald SACKL • Manuela SAFRAN • Ulrike SAGMEISTER • Sylvia SAILER • Chris SALA • Monika SALAWA • Ariane SAMEC-GATTER • Gerhard SAMER • Anton SAMMER • Peter SATTLER • Gerald SAURER • Christiane SAUSENG • Elisabeth SCHADENBAUER • Johannes SCHÄFMANN • Daniel SCHAFLER • Herber t SCHAGER • Stefan SCHANDOR • Gabriele SCHANES-WALENTA • Daniela SCHANTL • Petra SCHEER • Reinhold SCHEER • Mar tina SCHENK • Erna SCHERZER • Renate SCHETT • Elisabeth SCHEUCHER • Werner SCHEUCHER • Bernhard SCHEUERMANN • Elisabeth SCHIFFER • Marie-Theres SCHIGAN • Harald SCHISTER • Theresia SCHISTER • Manuela SCHL AG • Dietmar SCHL AR • Christian SCHL ATZER • Mar tina SCHLEGL • Manfred SCHLIBER • Herber t SCHLÖGL • Margit SCHLÖGL • Rober t SCHMALZ • Ursula SCHMER • Barbara SCHMID • Sandra SCHMID • Johannes SCHMIDBAUER • Hermann SCHMIED • Ute SCHMIED • Mar tin SCHMIERDORFER • Ferdinand SCHNABL • Gerhard SCHNEDLITZ • Karl SCHNEEBACHER • Christina SCHNEIDER • Waltraud SCHNEIDER • Waltraud SCHNEIDER • Wolfgang SCHNIDER • Ernestine SCHOBER • Rober t SCHOBER • Gabriele SCHÖPFER • Johann Alois SCHOLLER • Thomas SCHORS • Helmut SCHOTTER • Josef SCHRAMMEL • Markus SCHRANGL • Daniela SCHREI • Rosemarie SCHREIBMAYER • Renate SCHREINER • Michael SCHRÖTTNER • Peter SCHRÖTTNER • Joachim SCHULLER • Daniela SCHULZ • Helga SCHUSTER • Christian SCHWAB • Margit SCHWAB • Thomas SCHWABL • Elisabeth SCHWAIGER • Ger fried SCHWARZ • Iris SCHWARZ • Renate SCHWARZENEGGER • Er win SCHWEINZER • Margit SCHWEINZGER • Sonja SCHWIMMER • Ernest SCHWINDSACKL • Johann SEEBACHER • Monika SEIDLER • Heidi SEINER • Markus SEISZ • Roderich SEUFZER • Gerald SIDAK • Brigitte SIEBENBÄCK • Jürgen SIMBÜRGER • Klemens SIMENKO • Markus SIMMERSTATTER • Petra SIMO • Anton SINGER • Wolfgang SIX T • Tatjana SK ALE • Anita SKEDELJ • Adela SMAJIC • Anton SONNLEITNER • Ursula SORGER • Sandra SORITZ • Rene SPATH • Harald SPITALER • Eva- Christine SPITZER-GABRIEL • Anna-Maria SPREITZHOFER • Verena SPULLER • Monika STANGL • Helga STEGER • Peter STEGER • Peter STEINBERGER • Mario STEINER • Daniela STEINWENDER • Bernd STEINWIDDER • Christine STEIRER • Rudolf STELZER • Matthias STERN • Silvia STÖRI • Doris STOISER-NESTL • Jasmine STONI • Mar tin STOTTER • Siegmund STRACHWITZ • Herber t STRALLHOFER • Cornelia STRANZ • Elfriede STRAUSSBERGER • Peter STREIBL • Christina STREICHER • Rudolf STROBEL • Christoph STROBL • Erich STROBL • Markus STROBL • Marco STROHMEIER • Sigrid STROHMEIER • Veronika STROHRIEGL • Brigitte STROMBERGER • Florian STRYECK • Silke STUBENVOLL-PUFF • Sieglinde STURMER-KONRAD • Gerhard SUDI • Isabel SUPPAN • Klaus SUSCHNIGG • Elisabeth SUTTNIGG-GRUBER • Marianne SWATEK • Monika SWATON • Astrid SZLAMAR • Anton TACKNER • Gudrun TÄUBEL • Tamara TANFARA-RAK AR • Rober t TANTSCHER • Elke TARMANN • Bernhard TARTLER • Brigitte TA X • Maria TEMMEL • Franz TENGG • Susanne TERSANSKI • Liselotte TEUSCHLER • Edith THALER • Christian THEISSL • Michael THIER • Rosalinde THIER • Herber t THOMANN • Dietmar THOSOLD • Klaudius THURMAIER • Walter TIEFENGRUBER • Julius TOTH • Thomas TRANTURA • Jenny TRAPPL • Sandro TRAUSSNIG • Siegfried TRÖSTER • Elisabeth TROHA • Alois TRUMMER • Bettina TRUMMER • Claudia TRUMMER • Siegfried TRUMMER • Johannes TSCHEMMERNEGG • Harald TSCHICK • Stefan TSCHIKOF • Ingrid UITZ • Anton UNGER • Gerhard UNGER • Reinhold UNGER • Doris UNTERSTEINER • Florian UNTERWEGER • Manfred VALLANT • Goran VASILJEVIC-LOCH • Manuela VATERL • Christian VEITSBERGER • Bernd VERONIG • Mar tin VOITECH • Wilhelm VOLLER • Bernhard WAGNER • Gunther WAGNER • Mar tina WAGNER • Irmgard WAIDACHER • Anita WALCH • Werner WALCHER • Daniela WALLNER • Karin WALTERSDORFER • Astrid WEBER • Johannes WEBER • Mar tin WEBER • Wilfried WEBERN • Johannes WEIDACHER • Alexander WEIGL • Werner WEINGRABER • Michael WEINGRILL • Gerhard WEINHANDL • Maria WEINHANDL-RÖCK • Werner WEINHOFER • Elke WEISS • Heriber t WEISS • Horst WEISS • Walter WEISSENSTEINER • Karin WENDLER • Thomas WENZEL • Bernhard WESENER • Peter WESIAN • Gabriele WIENER • Rudolf WIENER • Edith WIESER • Rosa-Maria WIESER • Sabine WIESER • Ulrike WIESER • Evelyn WILDBACHER • Karin WILHELM • Doris WINKLER • Gerhard WINKLER • Sandra WINKLER • Beate WINKLER-KOLBL • Bernd WINTERLEITNER • Bernd WINTERLEITNER • Helga WIPPEL • Johann WOHLESSER • Her wig WONKO • Matthias WÜNSCHER • Ursula WUNDER • Renate WUNDERL • Josef ZACHENEGGER • Birgit ZAUHAR • Ingrid ZAUNSCHIRM • Gabriele ZECHNER • Thomas ZEHETLEITNER • Mar tin ZEHETNER • Alexander ZERKOWITZ • Waltraud ZIERSCH • Astrid ZIMMERMANN • Eva ZIRKL • Bianca ZITNIK • Sabine ZMUG • Wolfgang ZNIVA • Mar tin ZÖCH • Anna ZÖHRER • Michael ZÖLZER • Peter ZÖRNER • Daniela ZOTTER • Ingrid ZÜGNER

Banks are legal entities. But that doesn’t mean they

Another topic that we were really committed to in

are allowed to be without conscience. Raiffeisen is

2009 was climate protection. In February 2009, the

the best example of this. There have been Raiffeisen

Styrian Raiffeisen banks organised the 2 nd Energy

banks in Styria since 1894. Originally founded as

Saving Day. The topic of saving energy then

local emergency associations, since then we ad-

ran through a variety of events. In November 2009,

minister to the needs of all those who need help or

Raiffeisen and the Economic Initiative Sustainability

support. This is called lived social responsibility.

( WIN) entered into cooperation. Together we want

Raiffeisen supports many projects that benefit the

to persuade companies to use energy in a more

general public.

sensible and more frugal way. There are two ad vantages to this. On the one hand, companies

Since 2006, there has been the “mobil und sicher”

make an active contribution to climate protection,

(mobile and safe) program. This is where 14 to

and, on the other hand, savings in the energy sector

15 year olds learn about the dangers of alcohol

result in competitive advantages for companies. In a

and drugs, about road safety and how to handle

total of twelve events, companies develop a taste for

money sensibly. Not once, but again and again. Our

improving their energy efficiency. A glance at the

program is held in a total of 30 schools a year.

facts and figures shows that we all have to do

Together with our partners, the Regional School

something for the climate. 88 million tons of CO 2

Board, the “drug judge” Helmut Wlasak, ARBÖ

are released into the air in Austria every year. That

(Austrian Automobile Association), ÖAMTC (Austrian

is 241,000 tons a day or 10.6 tons per inhabitant.

Automobile Association) and the Austrian Road

This means that we produce more than Germany,

Safety Board, we show where these dangers may be

Great Britain and China.

lurking and what happens if you disregard them is brought home to pupils.

Raiffeisen Styria is helping to make it easier for all of us to breathe deeply again.

2009 ANNUAL REPORT

FOR SOCIETY – OUR SOCIAL RESPONSIBILITY

51

If you drive through Styria with your eyes open, you

The Raiffeisen Banking Group Styria itself comprises

will see one sign again and again. The gable cross of

88 independent Raiffeisen banks and the Raiffeisen-

Raiffeisen. From Bad Aussee to Bad Radkersburg

Landesbank Steiermark AG, to whose group the

and from Krakaudorf to Spital am Semmering it

Landes-Hypothekenbank Steiermark AG also be-

stands for closeness to customers, for seriousness

longs. Together we are the biggest banking group

and for security.

in southern Austria and are a large and important part of the Raiffeisen Banking Group in Austria. The

There are 336 Raiffeisen bank branches in Styria –

Raiffeisen-Landesbank Steiermark AG is the sub-

more than any other bank. There is at least one

sidiary of the local Styrian Raiffeisen banks and one

Raiffeisen branch even there where there hasn’t been

of the parent companies of the Raiffeisen Zentral-

a grocer, a priest, a court, a post office or a police

bank Österreich AG (Raiffeisen Central Bank of

station in a long time. Raiffeisen is there where

Austria). There, it has the second largest share of

the people of Styria live and where business takes

regional banks.

place. Nobody knows the Styrian market better than we do, because we are there on-site.

But we are not homebodies either. Starting from Styria we accompany our customers throughout the

RAIFFEISEN BANKING GROUP STYRIA FACTS AND FIGURES

2009 ANNUAL REPORT

CLOSE TO PEOPLE AND TOGETHER WITH THEM

57

2009

2008

88

89

336

336

506,561

501,031

Functionaries

1,136

1,144

Staff members

3,093

3,088

DEPOSITS

103,2

103,2

Number of Raiffeisen banks Number of Raiffeisen bank branches (incl. RLB Stmk AG) Members

58

Initial deposits

12,073 million

11,501 million

Savings deposits

8,848 million

8,642 million

Demand, time and foreign currency deposits

3,225 million

2,859 million

ACCOUNTS

162,6

162,6

Number of savings accounts

1,120,132

1,127,973

Number of current accounts

589,199

576,238

BUILDING SOCIETY SAVINGS

We make our decisions in the region and not in

world, since Styrian companies are active worldwide

Balance of building society deposits

neighbouring countries or elsewhere. In Styria, where

and thus we are too through them. And where our

Balance of building society loans

we are at home and where our customers are at

customers are active, there is usually a Raiffeisen

Number of building loan contracts

home, too. Our customers are also our owners. Not

bank nearby. For the Raiffeisen idea has travelled

CUSTOMER SECURITIES

nameless hedge funds or foreign investors, but

around the world in the truest sense of the word. In

Number of securities deposits

Styrians. There are around 500,000 in our province

2009, Raiffeisen was represented in 17 countries of

Securities holdings

alone. Thus, Raiffeisen can rightly be called a

Central and Eastern Europe and serviced 15 million

LIFE INSURANCE

Styrian enterprise.

customers there. In the Raiffeisen network banks,

Number of contracts

the Styrian enterprise could fall back on Austrian

Calculated annual premiums

banking know-how and thus could find a piece of home abroad.

13,9

13,9

870 million

822 million

602 million

609 million

307,714

305,712

96,674

101,169

4,295

4,179 million

267,514

257,380

391 million

382 million

Assessed sum insured

4,897 million

4,845 million

Total volume of surrender values

1,285 million

1,182 million

11,552 million

11,081 million

LOANS (not incl. building society loans) Amounts in Euro

“WE ARE CURRENTLY MAKING ONE OF THE BIGGEST INVESTMENTS IN THE HISTORY OF OUR COMPANY. THAT IS WHY IT IS IMPORTANT TO HAVE A RELIABLE PARTNER WHO UNDERSTANDS OUR CONCERNS. OUR HOUSE BANK DOES JUST THAT.” Martin Wäg, Kastner & Öhler Warenhaus AG

RAIFFEISENL ANDESBANK STEIERMARK Kaiserfeldgasse Annenstraße Herrgottwiesgasse Moserhofgasse Ragnitz St. Leonhard-LKH Steirerhof Theodor-Körner-Straße Tummelplatz Zinzendorfgasse Frohnleiten ADMONT Admont Altenmarkt bei St. Gallen Ardning Landl St. Gallen ANGER-PUCHKOGLHOF Anger Koglhof Lebing Puch bei Weiz BAD RADKERS BURG-KLÖCH Bad Radkersburg Klöch BIRKFELD - OBERES FEISTRITZ TAL Birkfeld Fischbach Gasen Miesenbach Ratten Rettenegg St. Kathrein am Hauenstein Strallegg BREITENAU Breitenau DECHANTS KIRCHEN-PINGGAU Dechantskirchen Pinggau St. Lorenzen am Wechsel Schäffern

DEUTSCHL ANDS BERG DeutschlandsbergRaiffeisenstr. DeutschlandsbergHauptplatz Frauental St. Martin im Sulmtal EDELSCHROT T Edelschrott Hirschegg EGGERSDORF BEI GRA Z Eggersdorf bei Graz Kumberg St. Radegund EIBISWALD ST. OSWALD Eibiswald Aibl St. Oswald ob Eibiswald FEHRING-ST. ANNA AM AIGEN Fehring Kapfenstein Lödersdorf St. Anna am Aigen FELDBACH-BAD GLEICHENBERG Feldbach Bad Gleichenberg Mühldorf FELDKIRCHENK ALSDORF Feldkirchen Kalsdorf FÜRSTENFELD Fürstenfeld Altenmarkt bei Fürstenfeld Bad Blumau Burgau Loipersdorf bei Fürstenfeld Therme Loipersdorf Übersbach GAMLITZ Gamlitz Ehrenhausen

GLEINSTÄT TEN Gleinstätten Großklein Heimschuh Kitzeck im Sausal St. Andrä im Sausal GLEISDORF Gleisdorf-Florianiplatz Gleisdorf-LudwigBinder-Straße Gleisdorf-Neugasse St. Margarethen an der Raab Sinabelkirchen GNAS Gnas GRATKORN Gratkorn Deutschfeistritz Peggau Übelbach GRAT WEIN Gratwein Judendorf-Straßengel St. Oswald bei Plankenwarth GRA Z-ANDRITZ Graz-Andritz Graz-Augasse Graz-St.-Veiter-Straße Thal GRA Z-MARIATROST Graz-Mariatrost Graz-Geidorf Graz-Mariagrün GRA Z-ST. PETER Graz-St. Peter Graz-Liebenau Graz-Schillerplatz Hart bei Graz Raaba GRA Z-STRASSGANG Graz-Straßgang Graz-Alte Poststraße Graz-Eggenberg Graz-Puntigam Graz-Wetzelsdorf Seiersberg SCS Seiersberg GRÖBMING Gröbming

Aigen im Ennstal Irdning Kleinsölk Pruggern Stainach Stein an der Enns Trautenfels

JUDENBURG Judenburg-Hauptplatz Judenburg-Burggasse Möderbrugg Oberzeiring St. Georgen ob Judenburg Unzmarkt

GROSS ST. FLORIANWET TMANNSTÄT TEN Groß St. Florian Wettmannstätten

K AINDORF Kaindorf

GROSSSTEINBACH Großsteinbach Großhartmannsdorf

KIRCHBERGEDELSBACH Kirchberg an der Raab Edelsbach bei Feldbach

GROSSWILFERS DORF Großwilfersdorf Hainersdorf Söchau HALBENRAINTIESCHEN Halbenrain Tieschen HARTBERG Hartberg St. Johann in der Haide Schildbach HATZENDORFUNTERL AMM Hatzendorf Unterlamm HAUSMANNSTÄT TEN Hausmannstätten Fernitz Graz-Thondorf Vasoldsberg HEILIGENKREUZKIRCHBACH Kirchbach in der Steiermark Heiligenkreuz a. Waasen HITZENDORF Bankstelle Hitzendorf Beratungscenter Hitzendorf ILZ Ilz Nestelbach im Ilztal Ottendorf

KNIT TELFELD Knittelfeld Gaal Großlobming Kobenz St. Lorenzen St. Marein Spielberg LEIBNITZ Leibnitz Neutillmitsch Wagna LEOBEN-BRUCK Kompetenzzentrum Kapfenberg Bruck a. d. Mur Eisenerz Hieflau Kompetenzzentrum Leoben Niklasdorf Pernegg Proleb Radmer St. Katharein/Laming St. Peter/Freienstein Tragöß Kompetenzzentrum Trofaiach Vordernberg LEUTSCHACHOBERHA AG Oberhaag Arnfels Leutschach St. Johann im Saggautal

LIEBOCH-STAINZ Stainz Lannach Lieboch Tobelbad LIESINGTAL Mautern Kalwang Kammern im Liesingtal St. Michael ob Leoben Wald am Schoberpaß LIEZEN Liezen Lassing Selzthal Weißenbach bei Liezen Wörschach LIGIST-ST. JOHANN Ligist KrottendorfGaisfeld St. Johann ob Hohenburg MARIA ZELLERL AND Mariazell Gußwerk Mitterbach am See Wildalpen MARKT HARTMANNSDORF Markt Hartmannsdorf MIT TLERES MÜRZ TAL Krieglach Allerheiligen-Mürzhofen Kindberg Mitterdorf im Mürztal Stanz im Mürztal Veitsch Wartberg MOOSKIRCHENSÖDING Mooskirchen Söding MURAU Murau Krakaudorf Murau-St. Egidi Ranten St. Georgen ob Murau St. Lambrecht

Schöder Stadl an der Mur MURECK Mureck Deutsch Goritz Gosdorf Lichendorf Mettersdorf am Saßbach St. Peter am Ottersbach NESTELBACHST. MAREINL ASSNITZHÖHE Nestelbach/ Schemmerlhöhe Laßnitzhöhe St. Marein bei Graz NEUMARKTSCHEIFLING Neumarkt Mühlen Scheifling NÖRDLICHE OSTSTEIERMARK Grafendorf Eichberg Lafnitz Mönichwald St. Jakob im Walde Waldbach Wenigzell OBDACHWEISSKIRCHEN Obdach Weißkirchen OBERES MÜRZ TAL MürzzuschlagGrazer Straße MürzzuschlagStadtplatz Kapellen an der Mürz Langenwang Neuberg an der Mürz Spital am Semmering ÖBL ARN Öblarn Donnersbach St. Martin am Grimming

PALDAU-STUDENZENEICHKÖGL Studenzen Paldau PASSAIL Passail Fladnitz-Teichalm Gutenberg a. d. Raabklamm St. Kathrein am Offenegg Semriach PISCHELSDORFSTUBENBERG Pischelsdorf Hirnsdorf Stubenberg PÖLL AUVORAU Pöllau Vorau PÖLSTAL Fohnsdorf Hohentauern Pöls St. Johann a. T. Zeltweg PREDINGHENGSBERGST. NIKOL AI/S. Preding Hengsberg St. Nikolai im Sausal REIN-ST. BARTHO LOMÄ-STIWOLL St. Bartholomä Rein Stiwoll RIEGERSBURGBREITENFELD Riegersburg Breitenfeld ST. GEORGEN A. D. STIEFING St. Georgen an der Stiefing Ragnitz ST. LORENZEN IM MÜRZ TAL St. Lorenzen im Mürztal St. Marein im Mürztal

ST. MARGARETHENSECK AU St. Margarethen bei Knittelfeld Seckau ST. RUPRECHT AN DER RA AB St. Ruprecht an der Raab ST. STEFAN- JAGERBERG-WOLFSBERG St. Stefan im Rosental Jagerberg Wolfsberg im Schwarzautal ST. STEFANKRAUBATH St. Stefan ob Leoben Kraubath SCHILCHERL AND St. Stefan ob Stainz Bad Gams St. Josef Wildbach SCHL ADMINGRAMSAU-HAUS Schladming Aich-Assach Ramsau am Dachstein Haus im Ennstal SCHWANBERG Schwanberg STALLHOFEN Stallhofen Södingberg STEIRISCHES SALZK AMMERGUT Bad Mitterndorf Bad Aussee Pichl-Kainisch Tauplitz STRADEN Straden STRASS -SPIELFELD Straß Gabersdorf St. Nikolai ob Draßling St. Veit am Vogau Spielfeld

TEUFENBACHOBERWÖLZST. PETER A . K. Teufenbach Mariahof Nieder wölz Ober wölz St. Peter am Kammersberg Schönberg-Lachtal THERMENL AND Sebersdorf Bad Waltersdorf Neudau TRIEBEN Trieben Gaishorn Rottenmann TURNAU-AFLENZETMISSL Turnau Aflenz Kurort Etmißl UNTERPREMSTÄT TEN Unterpremstätten Dobl Wundschuh VOITSBERG Voitsberg Bärnbach Geistthal Kainach bei Voitsberg Köflach Krems Modriach Rosental a. d. Kainach St. Martin/ Wöllmißberg WEIZ Weiz Heilbrunn Weiz-Center Süd WIES Wies Pölfing-Brunn WILDON-LEBRING Wildon Allerheiligen bei Wildon Lebring Weitendorf

“THE SECRET OF RAIFFEISEN IS ITS COOPERATIVE NETWORK. EACH LEVEL WORKS ITS MARKET AND COOPERATES WITH THE NEXT LEVEL. ALL TOGETHER WE ARE THE MOST PROSPEROUS BANKING GROUP OF AUSTRIA.” Peter Hoch, Raiffeisenbank St. Stefan-Kraubath

62