[PDF] [PDF] FACT SHEET

[PDF] FACT SHEET - Erste Group Bank AG

→ Business focus: the Erste Bank und Sparkassen banks are classic universal banks that have traditionally focused on private customers, SMEs and asset 

[PDF] FACT SHEET - Erste Group Bank AG

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WHO WE AREOUR CORE BUSINESS

Since nearly two centuries, Erste Bank and Sparkassen have focused on providing their now over 3.54 million retail and SME customers with a comprehensive range of products and personalized services. The Sparkassen group is a ?nancial services company offe- ring all types of ?nancial products, ranging from savings books to housing and consumer loans, as well as investments, accounts, bank cards, insurance, leasing and retirement fund options. Sparkassen (savings banks) are a reliable partner of industry and have close ties to the regions in which they opera te. Supporting local communities and public welfare has been

a main pillar of our business model from the very beginning. Business strategy: Erste Bank and Sparkassen is a traditio-nal universal banking group with a long-established focus on retail customers, SMEs and wealth management.

Customer groups: Private persons, independent pro-fessionals, small and medium-sized enterprises, large corporations, as well as the public sector and non-pro?t organizations.

Geographical focus: Erste Bank and Sparkassen has a presence in all regions of Austria with more than 1,100 branch of?ces. International customers are bene?ting from a global network of subsidiary and partner banks.

PRIVATE CUSTOMERS

Erste Bank and Sparkassen offers comprehensive services and products for all ?nancial needs, e.g. investment and savings products, consumer and mortgage loans, personal accounts (including special accounts for youth and students), cards for cashless payment, online and mobile banking soluti- ons, securities trading and private banking services.

SMALL AND MEDIUM-SIZED ENTERPRISES

AS WELL AS LARGE CORPORATIONS

The range of products for micro, small and medium-sized enterprises, but also large corporations, covers all potential requirements. It includes services ranging from support for start-ups, professional payment solutions and growth ?nan- cing, to the provision of support for business activities ab- road and on the capital markets, as well as corporate invest ment and retirement planning for managers and employees.

SPARKASSEN IN

AUSTRIA

2017

OUR KEY FINANCIAL

OUR SERVICES

ADDITIONAL FACTSOperating earnings in EUR m.814.8

Pre-tax earnings in EUR m.655.9

Loan-deposit ratio in %99 %

Net interest income in EUR m.1,616.3

Loans and advances to customers in EUR m.71,028

Deposits in EUR m.71,743

New customers235,000

Number of institutions49

Number of Sparkasse foundations34

Number of customers in m.3.54

Number of branch of?ces (incl. OMV banking service stations)1,103

Employees15,400

*) 12/2016 IN ACCORDANCE WITH IFRS

FACT SHEE T

ERSTE BANK AND SPARKASSEN

65

BRANCH OFFICES

IN VORARLBERG

12/2016

134

BRANCH OFFICES

IN TYROL

234

BRANCH OFFICES IN

UPPER AUSTRIA

77

BRANCH OFFICES

IN VIENNA

24

BRANCH OFFICES IN

BURGENLAND

259

BRANCH OFFICES

IN LOWER AUSTRIA

82

BRANCH OFFICES

IN SALZBURG

65

BRANCH OFFICES IN

CARINTHIA

163

BRANCH OFFICES

IN STYRIA

ERSTE BANK AND SPARKASSEN HAS A NATION WIDE PRESENCE IN ALL 9 FEDERAL PROVINCES, WITH 1,103 BRANCH OFFICES AND OMV BANKING SERVICE STATIONS.

GEORGE GO

The smart phone app for the most modern ban

king platform in Austria makes wire transfers as simply, intelligent and intuitive as is customary with George.

CARDCONTROL

Overview of all ATM and credit cards:

Change in withdrawal limits or blocking of cards

by simply tapping an icon.

HILFREICH

The donations app: regularly make charitable

donations with every card payment, by rounding up the amounts paid and donating the difference - direct and controlled through one's personal account settings menu. INNOVATIONSIN 2016 ERSTE BANK AND SPARKASSEN HAVE ... APPS

ZWEITE SPARKASSE

Google, Facebook & Co. are fun. With George, the same is now also true for handling your personal ?nances. Erste Bank and Sparkassen are setting new standards for inter net-based banking: secure and reliable, but also with a fun factor with regard to its design and usage. George not only dynamically presents personalized account and product details, but also provides a effortless way to trade securities and take a loan online. People may face economic hardship and lose their banking facilities for a variety of reasons - such as e.g. unemploy ment, divorce or illness. Zweite Sparkasse was established for the purpose of helping people in a dif?cult ?nancial situation, who are unable to open an account with other banks, but are making an effort to solve their problems. They are referred to Zweite Spar- kasse by counseling services. The bank provides an account without an overdraft facility to people in need, in close cooperation with aid organizations such as Caritas or debt counseling services.

George, the most

modern banking platform in Austria.

Simple, intelligent, personal.

served

180,000

commercial clients as a reliable par tner

PUBLIC WELFARE ACTIVITIES

1.5 m.

EURO FOR

PUBLIC WELFARE ACTIVITIES 1.7 m.

EURO FOR 3.5 m.

EURO FOR 4.7 m.

EURO FOR

0.1 m.

EURO FOR 2.6 m.

EURO FOR

0.3 m.

EURO FOR 1.3 m.

EURO FOR 1.9 m.

EURO FOR

people to fulfill their dream of owning a home of their ownretirees with additional private pension payments of 184 m. euroeuro in interest to domestic saverseuro in the financing of solar and wind power young entrepreneurs to implement their business ideas... helped

19,000

... improved the retirement income of

33,700

... paid out

296 m.

... invested

160 m.

... helped 6,500 people... provided jobs to around

15,400

new customers... gained

235,000

George is an intelligent, ?exible banking personality, which adjusts to the needs of customers with modules that can be combined according to individual preferences. www.mygeorge.atquotesdbs_dbs21.pdfusesText_27