COMPANY PRESENTATION - Sparkasse

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COMPANY PRESENTATION - Sparkasse
COMPANY PRESENTATION
                       As at April 2018
COMPANY PRESENTATION - Sparkasse
STEIERMÄRKISCHE BANK UND SPARKASSEN AG …

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COMPANY PRESENTATION - Sparkasse
MILESTONES IN OUR HISTORY

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COMPANY PRESENTATION - Sparkasse
OWNERSHIP STRUCTURE

                Steiermärkische Verwaltungssparkasse is the majority
                owner, at 73.5 %, of Steiermärkische Bank und Sparkassen
                AG and its corporate purpose is primarily to hold the equity
                investment in the latter.

                Erste Bank der österreichischen Sparkassen AG (Erste
                Bank Österreich) has held an equity investment of 25 % and
                one share in Steiermärkische Sparkasse since 2000. As a
                consequence of which, branches in Graz, Murau,
                Schladming and Mariazell moved to Steiermärkische
                Sparkasse.

                The employee participation currently stands at just under
                1.5 % and is the number of shares held by employees of
                Steiermärkische Sparkasse.

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COMPANY PRESENTATION - Sparkasse
THE SAVINGS BANK GROUP …

    is a contractual group pursuant to the Austrian Stock Corporation Act (AktG).

    is a group of financial institutions pursuant to the Austrian Banking Act (BWG).

    is an institutional protection scheme.

    forms a joint liability scheme.

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COMPANY PRESENTATION - Sparkasse
SAVINGS BANKS JOINT LIABILITY
SCHEME

 For years, Erste Bank and savings banks have formed a community to protect their customers’
 savings deposits – known as the savings banks Joint Liability Scheme.

 The joint liability scheme

       sees itself as an association of regionally based savings banks operating independently.

       in addition to the statutory deposit protection of up to EUR 100,000 is an additional safety
       net from Erste Bank and savings banks and consequently offers maximum security for all
       customers.

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COMPANY PRESENTATION - Sparkasse
MANAGEMENT BOARD AND
RESPONSIBILITIES
                •   General Secretariat
                •   Human Resources                                    •   Corporate Divison
                •   Retail Steiermark Division                         •   Loans Administration
                •   Private Banking                                    •   Real Estate and Facility
                •   Securities Trading                                     Management
                •   Currency & Money Market                            •   Marketing

 Gerhard FABISCH                                         Franz KERBER
 CEO                                                     Deputy Chairman
               •    Risk Management
               •    Organization/IT
               •    Accounting/ Controlling                            •   Strategy and Business Development
               •    Compliance                                         •   Financial Institutions
               •    Payment Transactions and Sales
                    Support

 Georg BUCHER                                            Sava DALBOKOV
 Member of the Management Board                          Member of the Management Board

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COMPANY PRESENTATION - Sparkasse
RESSOURCES
 As at 14 February 2018

        Steiermärkische Bank und Sparkassen AG                                                                                   Steiermärkische Sparkasse Group*
                   Employees***:                                                         1.539                                              Employees***:                                                          2.751
                   Locations:                                                              158                                              Locations:                                                            233
                   Customers:                                                       515.458                                                 Customers:                                                        702.414

        Steiermärkische Sparkasse Group**

                   Employees***:                                                 8.352
                   Locations:                                                      492
                   Customers:                                          2.559 Millionen

* Steiermärkische Bank und Sparkassen AG with its fully consolidated equity investments in Bosnia and Herzegovina, Macedonia, Austria and Serbia.
** Steiermärkische Bank und Sparkassen AG incl. fully consolidated equity investments and those accounted for using the equity method in Austria, Bosnia and Herzegovina, Croatia, Macedonia, Montenegro, Serbia and Slovenia are
    calculated at 100%.
*** Employees Headcount
.

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COMPANY PRESENTATION - Sparkasse
ECONOMIC KEY FIGURES
STEIERMÄRKISCHE SPARKASSE GROUP*

* Steiermärkische Bank und Sparkassen AG with its fully consolidated equity investments in Bosnia and Herzegovina, Macedonia, Austria and Serbia.
  As at 31 December 2017

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COMPANY PRESENTATION - Sparkasse
OUR CHARITABLE COMMITMENT

                         Young Researchers Fund
  Science and research   Best of South-East

                         Graz Opera
                         La Strada
     Art and culture     Styria Music Association
                         Diagonale – Festival of Austrian Film
                         SCHREIBEREI (award of literature)

                         Caritas.tagwerk (youth employment charity)
   Social Commitment     Styria Hospice Association
                         Zweite Sparkasse in Graz (helps people in financial difficulties)

                         MONEYtalk(s)
     Young people        KIMUS Children’s Museum
                         AMS Liezen – BuK.li 2017 (offers career advice)

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SPONSORING PARTNER

                     Wein Steiermark
   Wein Steiermark   Initiator of the Steiermärkische Sparkasse Jungwinzer Competition

        Film         Mountainfilm International Filmfestival Graz

     Folk culture    Aufsteirern (Styrian festival)

                     Moser Medical Graz 99ers Ice Hockey Club
        Sport        Styrian Football Association
                     Sparkasse Schools Football & Volleyball League

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OUR FUTURE: REGIONAL & DIGITAL

    Development of George, Austria’s state-of-the-art banking

    NEW branch: modernisation and digitalisation of branch locations

    Increased commitment to SME business

    Expansion of the market position in the Western Balkans

    Linking digital banking processes with personal consulting services

    Increased commitment to sustainability and social commitment

    #Glaubandich (believe in you)

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