1. Volksbank Group A specific Business Model for CEE Dr
Volksbank Group A specific Business Model for CEE Dr. Friedhelm Boschert

2. VBAG Group´s Five Business Segments Real estate Financial markets
Corporates
Retail
Public finance

3. Together in CEE + + + Retail Banking SME Referred Business
from Volksbanken
Project Finance (small)
Long-term financing for
large corporates
Project Finance (large)
structured Finance
long term finance for
states
municipalities
public enterprises
Mobile Goods Leasing
Car-Leasing
Construction Leasing

4. VBI-Network in CEE

5. VBI 2007 in Figures in 9 CEE countries 494 Point of sales
(Brances, Bankshops, Franchise)
5.000 employees
EUR 8,4 bn assets
1 Mio customers

6. Operating Environment – Corporates and Real Estate
Investkredit Bank AG
Volksbank International AG (VBI)
Europolis
Immoconsult
PREMIUMRED

7. Operating Environment – Public Finance
Kommunalkredit - Strong franchise in Austria and CEE …..
…but also strong business activities and strong brand recognition in Western Europe
Main countries within Western Europe are Germany, UK and Italy
In CEE, Public Finance activities are managed via Dexia Kommunalkredit Bank
Countries serviced by Dexia-Kom from Austria
Domicile of Dexia Kommunalkredit Bank
Countries in which Dexia-Kom has a head office (not consolidated)

8. Franchise Value Real Estate
The Real Estate segment is based on a clear breakdown of activities in line with market requirements and has important market shares in several niches:
Financing
Development
Asset Management
Loans
Leasing
Commercial real estate project financing in Austria as well as in Central and Eastern Europe
Real estate leasing in Austria as well as in Central and Eastern Europe
International project development of commercial real estate in Austria as well as in Central and South Eastern Europe
Real estate investments and asset management in Central and South Eastern Europe
Scope of financing:
Financing real estate developments
Acquisition financing
Refinancing
Site acquisitions
Portfolio financing
Residential developments
Designed to suit properties
Products and services:
Residual value model
Deposit leasing
Sale & lease back
Commercial, legal, technical and project- preparatory services
Project oriented services:
Vision & conception
Planning
Construction
Marketing
Property management
Final placement
Positioning:
Building up, managing and selling “Class A” commercial real estate portfolios in CEE
Integration of internationally renowned institutional investors
Branch offices in
Poland
Romania
Slovakia
Czech Republic
Hungary
Subsidiaries in
Poland
Romania
Slovakia
Czech Republic
Hungary
Subsidiaries in
Poland
Romania
Project companies in
Austria
Poland
Romania
Russia
Slovakia
Czech Republic
Hungary
Ukraine