1. Company Profile Raiffeisen-Leasing Group
as per April 2017

2. Overview of Raiffeisen-Leasing
Raiffeisen-Leasing is a wholly-owned subsidiary of the Raiffeisen Banking Group.
Since 1970, we have been successful in Austria and internationally with our experience and comprehensive knowledge of the leasing market.
We offer our customers innovative and flexible forms of financing as well as customized services in the areas of motor vehicles, equipment and real estate leasing.
In addition, our customers benefit from the advantages offered by the unique network of the Raiffeisen Banking Group, which spans over 17 countries.
We are a trustworthy partner and we advocate renewable energy and e- mobility to help protect the climate and promote sustainability.
Over 130 years of Raiffeisen in Austria: safe, regional, sustainable.
leasing.simply.done.

3. Company data* Current leasing volume (in Austria):
about 49,950 leasing contracts
about EUR 2.8 bn in financing volume**
Volume of new domestic business in 2016 (in Austria):
about EUR 628 m in about 17,000 contracts (in Austria, incl. cross-border financing)
Real estate projects 2016:
12 new residential buildings, worth about EUR 83.6 m
sale of 200 residential units per year
about EUR 250 m total investment costs
Staff:
In Austria: 306 employees
International: 352 employees
Offices:
Austria: Vienna/Lower Austria, Burgenland, Styria, Carinthia, Salzburg, Tyrol, Vorarlberg
Western Europe: Germany, Italy, Sweden, Switzerland
* Data as of December 31, 2016
** receivables RL group in 2016 incl. Italy
leasing.simply.done.

4. Structure of Raiffeisen-Leasing
Raiffeisen-Leasing GmbH
old business
100%
100%
RBI
RL Bank AG
50%
Raiffeisen-Leasing Management GmbH new business
Raiffeisen Landesbanken
50%
75%
25%
25%
75%
100%
RL Österreich
Raiffeisen WohnBau
RBI Leasing
434 Raiffeisenbanken
1,500 branches
Public
leasing.simply.done.

5. Raiffeisen-Leasing & its strategic pillars
Raiffeisen WohnBau: established as THE 100% sector-owned property developer
Real estate leasing: selective municipal business & commercial property; focused market access with product development
Extended vehicle & fleet management financing
Equipment leasing – proximity to SME companies and customers
RBI Leasing: Raiffeisen-Leasing is a product partner along RBI‘s leasing strategy
Raiffeisen-Leasing as a central service provider for leasing and property development
leasing.simply.done.

6. Organization Chart of Raiffeisen-Leasing
Management
Compliance
Internal Audit
B. Mungenast | COO
A. Schmidecker | CEO
C. Hayden | CRO
Sales Leasing
Participations
Austria Leasing GmbH
A-Leasing SpA
RL-Nordic AB
AIL Swiss-Austria Leasing AG
Property Development
Real estate Management & Property development
CLIENT- Service
Client Service Fleet Management
Client Service Corporates
Client Service Retail
Risk-management
Credit Management
inkl. OP RISK
ORG/IT
Financial Services
Corporate Control
Shared Service Center
Shared Services
Legal
SUPPORT & SLA
leasing.simply.done.

7. Raiffeisen-Leasing International
A leading leasing provider in Central and Eastern Europe (CEE)
Part of Raiffeisen Bank International AG, a leading universal bank in CEE
Head Office located in Vienna, covering 17 markets througout the CEE region
Main product range includes vehicle-, equipment- and real estate leasing
Offers tailor-made financing solutions
Dedicated international vendor sales forces in Head Office and local units
Total assets 06/2016: EUR 4,161 m (incl. Poland)
leasing.simply.done.

8. Access to Finance of Enterprises (SAFE)
Leasing is the second most common type of financing used by SMEs (23%) followed by trade credits, bank loans and internal funds.
For SMEs, leasing or hire-purchase remained the most used form of long-term finance.
Use of different types of financing in the past six months for SMEs in the EU-28.
Steigende Nutzung von Leasing in Europa
Source: | Survey “Leasing to SMEs in Europe", Brussels, Dec | European Commission SAFE Survey, Apr. – Oct. 2016
leasing.simply.done.

9. The use of leasing in Europe by country
Poland, Germany, Estonia and Austria are the countries with the highest proportion of SMEs using leasing or hire-purchase, followed by the Scandinavian region and the UK.
In contrast, countries in Southern Europe are at the end of the spectrum with the lowest proportion of SMEs using leasing or hire-purchase.
leasing.simply.done.

10. Leaseurope Ranking 2016
Leaseurope (European Federation of Leasing Company Associations), with headquarters in Brussels, is in close contact with the EU Commission and the European Parliament as it represents the interests of the European leasing sector. Currently more than 50 leasing companies from more than 30 countries are members of the organization. Since 2010, Alexander Schmidecker, CEO of Raiffeisen-Leasing, has been a member of Leaseurope's Board.
leasing.simply.done.

11. The classic product range...
...with standardized and customized offers for private customers, large and corporate customers, the public sector and our sales partners...
Vehicle Leasing
cars, trucks, fleet management, special vehicles
Equipment Leasing & Vendor Partnerships
production machines, computer systems, medical technology, aircrafts, etc.
Real Estate Leasing
Production halls, warehouses etc.
consulting, construction management and financing
flexible, fast, inexpensive
diverse; from small to large
leasing.simply.done.

12. ... and innovative offers and services
Alternative
drive systems
Own real estate
projects
Construction management
Electric mobility**
Residential and commercial
projects in Austria
Fleet management
Eco fleet management
Residential and commercial
projects abroad
Insurance*
* in cooperation with Raiffeisen Versicherung insurance agency
** RL maintains 1/3 of all electric vehicles registered in Austria
leasing.simply.done.

13. Future: digitalization
From …
…through…
… to the future.
Raiffeisen- Leasing
ROL1
Fleet MGMT
APP
Social Media
DRB2 e2e3 Leasing
Scoring
Mobility & Future
Big Data Analytics
leasing.
simply.
done.
leasing.
digitally.
done.
Customer
Raiffeisen Leasing
Customer
Raiffeisen Leasing
1 ROL = raiffeisen online leasing calculator
2 DRB = digital regional bank
3 e2e = end-to-end
leasing.simply.done.

14. Raiffeisen Climate Protection Initiative (RKI)
Raiffeisen-Leasing has been a member of RKI since 2007.
Raiffeisen organisations are committed to a globally sustainable economic and social model.
Development of activities addressing environment protection and climate change, as well as the growing consumption of resources.
leasing.simply.done.

15. leasing.simply.done. Raiffeisen-Leasing Mooslackengasse 12, A-1190 Vienna t f