As at: April 2020

Raiffeisen Bausparkassein 2019

Our mission: Making your housing dreams come true!

Ladies and gentlemen,

Many Austrians count on Raiffeisen Bausparkasse. We are aware of this responsibility and have made it our business to customers in fulfilling their housing dreams or savings goals as a competent, reliable and successful partner. The product and service quality known for decades of Raiffeisen Bausparkasse and its customer-oriented financing products are reflected in the high demand for building society loans.

Thanks to our constant efforts not to lose track of today’s rapid changes, we have been able to adapt our products to the desires of our customers and remain up-todate. We are convinced that the topic of building society savings will continue to provide an important foundation for making dreams come true not only for our existing customers, but future ones as well.

We thank you, our customers, for the trust you have placed in us. We would also like to thank all our business partners for their commitment and outstanding collaboration. Last but not least, we thank all our employees for their personal contribution to the success of Raiffeisen Bausparkasse.

The Managing Board of Raiffeisen Bausparkasse: Hans-Christian Vallant, Manfred Url and Markus Tritthart

The company in briefRaiffeisen Bausparkasse is the institute of Raiffeisen Banking Group Austria that specialises in the financing, maintenance and improvement of residential property. It offers discounted savings contracts as well as tailormade loans that facilitate the creation of housing as well as the financing of educational programmes and care measures.

The company was founded in 1961. Back then, it was the smallest building society in Austria. Today, Raiffeisen Bausparkasse is market leader in Austria.

As the market leader in the main business areas, it services around 1.5 million customers in Austria.

In Austria, Raiffeisen Bausparkasse has co-financed the construction, purchase and modernisation of around 497,542 apartments and houses. That equals residential property for more than 1.2 million people.

Markus Tritthart Hans-Christian Vallant Manfred Url

Highlights 2019

Raiffeisen Bausparkasse further expands market leadershipRaiffeisen Bausparkasse remains the market leader in Austria in 2019. 1.1 billion, which is in view of the challenging market environment a gratifying result. Demand for building society loans remained high due to the excellent quality of products and services and the popular long-term fixed interest rate products. The trend is clearly towards condensed residential construction - the demand for financing for owner-occupied housing has increased significantly.

Change in managementAt the proposal of the Supervisory Board, the General Meeting appointed Markus Tritthart (48) to the Managing Board of Raiffeisen Bausparkasse at an extraordinary meeting at the end of November 2019. He moved into the Management Board on February 1, 2020 and will take over the back office area after Manfred Url will retire from the company in May 2020.

Business Breakfast „on tour“A few years ago, Raiffeisen Bausparkasse launched a series of events for corporate customers at its „Business Breakfast“ in Vienna, at which renowned experts speak on a wide range of topics relating to building and housing. In November 2019, a Business Breakfast „on tour“ was held for the first time in cooperation with Raiffeisen Regionalbank Mödling at the Raiffeisen Forum there.

Raiffeisen Bausparkasse supports SOS-KinderdorfLast year, Raiffeisen Bausparkasse once again placed its building society activities under the sign of a good case: For every building society savings contract concluded during the campaign period from 25 November to 31 December 2019, Raiffeisen Bausparkasse supported the “SOS-Kinderdorf” facilities in Austria. Thanks to the large number of building society contracts concluded, it was possible to generate donations of 50,000 Euros for “SOS-Kinderdörfer”. The children were thus able to fulfil their fervent Christmas wishes, which would have been impossible without this support.

Key figures as at 31 December 2019Raiffeisen Bausparkasse Austria

New contracts

244,436

Financing

EUR 1,091 million

Loans

EUR 6,783.6 million

Deposits

EUR 6,704.7 million

Balance sheet total

EUR 7,995.5 million

Corporate Values

Values shape cultures – our values shape the culture of Raiffeisen Bausparkasse.

There is hardly anything more important for the success of a company than the values it lives by. Our values give us our direction. They determine our daily behavior towards our customers, towards business partners and each other.

These five values of Raiffeisen Bausparkasse form the foundation on which we build our relationships:

Client orientationmeans that we meet the needs of our customers in terms of cost-effectiveness.

Economic success means that the key earnings figures defined within the framework of the corporate objectives are achieved.

Esteemmeans for us that we respect everyone as their own person, and that we face them with a positive attitude.

Promote personal developmentmeans providing employees with the best possible support in the performance of their duties, and to prepare them for new tasks.

Future orientationdemands that we think ahead and act actively.

N

S

W O

31/12/2019 EUR

31/12/ 2018 EUR 000’s

Loans and advances to banks 662,512,059.80 803,793

Mortgage loans 5,696,063,038.50 5,582,556

Other loans 801,858,075.40 737,340

Liabilities to banks 937,639,103.95 801,477

Liabilities to customers 6,595,797,614.60 6,612,877

Eligible own funds pursuant to part 2 of Regulation (EU) no 575/2013 337,568,733.93 323,254

Net interest income 83,034,710.51 81,693

Operating income 79,850,652.11 82,334

Operating expenses -50,924,051.04 -52,708

Operating result 28,926,601.07 29,626

Profit on ordinary activities 18,522,497.50 22,744

Profit for the year 6,815,308.30 3,202

Selected key figures from balance sheetand profit and loss account 2019

Imprint: Media owner: Raiffeisen Bausparkasse Gesellschaft m. b. H., 1190 Vienna, publisher: internal, publishing location: Vienna, editorial staff: Raiffeisen Bank International AG, Group Communications, 1030 Vienna, photos © iStockphoto, as at: April 2020

Raiffeisen Bausparkasse Gesellschaft m. b. H.Mooslackengasse 12, 1190 Vienna p | +43 1 546 46-0 w | www.bausparen.at

Prvá stavebná sporitelňa, a.s.Bajkalská 30, P.O.Box 48, SK 829 48 Bratislava 25p | +421 2 58 23 11 11 w | www.pss.sk

Raiffeisen stavební spořitelna, a.s.Koněvova 2747/99, CZ 130 45 Praha 3p | +420 2 71 03 11 11 w | www.rsts.cz

Adresses

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.