Raiffeisen Bank
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Raiffeisen Bank21-03-2013
Raiffeisen Bank S.A. is a top universal bank on the Romanian market. The Bank provides a complete range of high quality products and services to private individuals, small and medium-sized enterprises (SMEs) and large companies, via multiple distribution channels: banking outlets, ATM and EPOS networks, phone-banking (Raiffeisen Direct), mobile-banking (Raiffeisen Smart Mobile) and internet banking (Raiffeisen Online).
Raiffeisen Bank Romania’s acquisition of Citibank’s consumer portfolio is now effective01-07-2013
Bucharest, July 1st, 2013 & The transaction involving the acquisition of the retail portfolio of Citibank Romania by Raiffeisen Bank S.A. is now effective, following approval of the Competition Council. The transfer date is July 1st, 2013.
Editable Payment Order08-07-2013
Editable PDF format allows the simultaneous completion and validation of data in the electronic form, with the benefit of presenting in agency documents already completed and signed.
Raiffeisen Online - faster banking operations12-06-2012
We re-launched Raiffeisen Online with a new look and more functionalities.
Convince yourself how simple it is!
Access online demo
Raiffeisen Smart Mobile31-10-2011
Raiffeisen Smart Mobile is an application developed especially for operation systems Apple and Android.&
You can save lives too23-06-2011
Choose Raiffeisen Bank SMURD Card and support SMURD Foundation!
Method of authentication and authorization for Raiffeisen Online27-08-2009
The new security system Raiffeisen Online involves the usage of a dedicated device called Card Reader and a Smart Card in order to generate &one time password&- a password which is available only once for accessing the application or authorizing a transaction.
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Exchange rate (We Sell)
EUR/RON 4.5150
USD/RON 4.1400
CHF/RON 4.1920
EUR/USD 1.1245
EUR/CHF 1.1140
EUR/GBP 0.7420
"Best Bank inRomania"Euromoney, 2012
"Best Foreign Bank inRomania"EMEA Finance, 2012
"Bank of the Year"The Banker, 2012
"Best Bank inRomania"Global Finance, 2012From Wikipedia, the free encyclopedia
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Erste Group Bank AG is one of the largest financial services providers in
and focuses on
and SME banking. About 46,000 employees are serving clients in 2,800 branches in 7 countries (Austria, Czech Republic, Slovakia, Romania, Hungary, Croatia, Serbia).
Erste Group was founded in 1819 as the first Austrian . In 1997, Erste Group went public with a strategy to expand its
(CEE). Since then Erste Group's customer base has grown through numerous acquisitions and organic growth from 600,000 to more than 17 million. 95% of all clients are citizens of the .
During the years of economic crisis in the wake of the ,
proposed the creation of a
based on the German and English model. Johann Baptist Weber, a pastor in Leopoldstadt, pursued this idea. In 1819, he founded the “Verein der Ersten ?sterreichischen Spar-Casse” (Association of Austrian first savings banks) and on 4 October 1819 “Die Erste oesterreichische Spar-Casse” (the first Austrian savings bank) opened its doors for business. The bank shortly called "Erste ?sterreichische", soon expanded throughout the realm.
After the , the word Austria was removed from the bank name. The management therefore chose to remove the word from the market, calling the bank simply the "Spar-Casse", but to retain it in official documents.
After World War II, the reconstruction of the country brought new opportunities to the Erste ?sterreichische, with the expansion of the private payment system, state-sponsored savings schemes, investment financing, exports support or credit to private institutions. The development of financial institutions able to solve problems for all customer categories progressed rapidly.
By the end of the 70s, structural changes in the banking sector like the lifting of restriction on affiliate founding, the Banking act or the termination of the inter-banking agreement on lending rates led to the emergence of a new situation, sparking a race between banks to attract competitors' customers.
In 1993, the business operations of “DIE ERSTE oesterreichische Spar-Casse” were transferred to a
pursuant to the 1986 Banking Act Amendment. In this procedure, all its banking operations were transferred to “DIE ERSTE ?sterreichische Spar-Casse-Bank AG”, a newly founded subsidiary, which became the operational bank. The
changed its name to “DIE ERSTE ?sterreichische Spar-Casse Anteilsverwaltungssparkasse (AVS)”. In 2003,
evolved out of AVS being the main shareholder of Erste Group until today and fulfilling a philanthropic mission.
As of 27 June 1997, Die Erste was merged with GiroCredit through the absorption of GiroCredit into Die Erste. Die Erste and AVS bought 51,1% of the stock from Anteilsverwaltungssparkasse Zentralsparkasse, which were added to the 26% stake already controlled. Through universal succession, Die Erste was subrogated into all the rights and obligations of GiroCredit. The merger was approved by the general shareholders’ meetings of Die Erste and GiroCredit on 21 Aug 1997 and became legally effective upon registration in the Company Register on 4 October 1997. At the same time, “DIE ERSTE ?sterreichische Spar-Casse – Bank AG” was renamed “Erste Bank der Oesterreichischen Sparkassen AG”.
In December 1997 Erste Bank went public on the
with the strategy to expand its
model across potential
in . Since 1 October 2002, Erste Bank shares have also been traded on the
and since 14 February 2008 on the .
Hungary: With the takeover of the Hungarian Mez?bank in 1998, which had the fifth-biggest branch network in Hungary and was later renamed to Erste Bank Hungary Rt., Erste Bank secured a good starting position in . In 2003 Erste Group won the
to buy 99.94% of Hungary’s Postabank, and merged it with Erste Bank Hungary in 2004. The new bank is the second largest retail bank in Hungary with 0.9 million clients and a
Croatia: In 1999, together with Steierm?rkische Bank und Sparkassen AG, Erste Bank successively acquired a majority stake (87%) in the three smaller Croatian banks Bjelovarska banka, Trgovacka banka and Cakovecka banka, and merged them to Erste & Steierm?rkische banka. In 2002, Erste Group acquired an 85% stake in Rije?ka banka merging it with its existing operations and creating the number three bank in the Croatian market with 800,000 clients and a market share by retail deposits of almost 13%.
Czech Republic: In 2000 Erste Bank acquired a majority (52%) stake to 98% during 2002 and 2003. ?eská spo?itelna is a leading retail bank in the Czech Republic, serving 5.3 million clients with a market share by retail deposits of almost 30%.
Slovakia: In 2001 Erste Bank acquired an 87% stake in , increasing it to 100% in 2005. Slovenská sporite?ňa is the largest bank in the country, serving 2.5 million clients with a market share by retail deposits of almost 28%.
Romania: In December 2005, Erste Group won the tender for 61.8825% stake in
(BCR), increasing it to 69.17% in 2006. BCR is the largest bank in Romania with 4.3 million clients and a market share by retail deposits of 23%.
Serbia: Erste Group acquired 83.3% of Novosadska banka in Serbia. In a strategic cooperation agreement with Steierm?rkische Sparkasse, Erste Group holds today 80.49% of 's shares. The bank has a market share by retail deposits below 3%.
Ukraine: Erste Bank acquired 100% of Bank Prestige in Ukraine, which was renamed Erste Bank Ukraine. The bank has a market share by retail deposits below 1%. Erste Bank Ukraine was sold in April 2013 to Fidobank. This transaction is consistent with Erste Group’s focus on customer business in the eastern part of the European Union.
In 2009 Erste received around EUR 2 billion in capital from the Austrian government.
In October 2011 it said it expected a full year loss of up to EUR 1.1 billion, after making writedowns and provisions of EUR 1.6 billion. This would be its first loss since at least 1988. It said the writedowns were due to government intervention in Hungary, where it is forced to take losses on Swiss franc mortgages, and a slower than expected recovery in Romania. It will also delay a plan to repay some of the state aid received in 2009. In August 2013 Erste Group Bank AG fully repaid the participation capital issued in 2009 in the amount of EUR 1.76 billion, whereof EUR 1.22 billion subscribed by the Republic of Austria and EUR 540 million subscribed by private investors. From 2009 to 2012 the Republic of Austria received annual dividend payments worth EUR 98 million from Erste Group and private investors received EUR 43 million. Altogether, including the pro rata dividend for 2013, which will be paid in June 2014 once the general shareholders’ meeting passes the respective resolution, the Republic of Austria will receive a total of EUR 448 million and private investors a total of EUR 198 million.
As of 9 August 2008, the newly founded
“Erste Group Bank AG” was separated from the Austrian business of “Erste Bank der oesterreichischen Sparkassen AG”. The result was a clear separation of tasks between “Erste Group Bank AG”, which acts as a , and its
in each of the countries that concentrate fully on local customer business. The new company structure became necessary due to the expansion of Erste Bank-Group within .
The holding company, named “Erste Group Bank AG” concentrates on the strategic steering function and provides the infrastructure for the local customer business in the individual markets. In addition, it is responsible for the operation of the business areas Global Markets and Group Corporate and Investment Banking.
The holding company Erste Group Bank AG operates local banks in eight countries in :
Austria: Erste Bank der oesterreichischen Sparkassen AG
Bosnia-Herzegovina: Sparkasse BH
Czech Republic: ?eská spo?itelna a.s.
Hungary: Erste Bank Hungary Zrt.
Croatia: Erste & Steierm?rkische Bank d.d.
Montenegro: Erste Bank AD Podgorica
Ukraine: Erste Bank Ukraine AT (until the midst of 2013)
. Erste Group Bank.
Professor Dr. Brusatti, Alois und DDr. Marginter,Peter. Wien, am Graben 21. R. Kiesel, 1969. p. 33.
Rapp, Christian und Rapp-Wimberger, Nadia. Arbeite, Sammle, Vermehre.. Verlag Christian Brandst?tter, 2005. p. 132.
Thausing, Friedrich. Hundert Jahre Sparkasse. Carl Gerold's Sohn, 1919. p. 18.
Rapp, Christian und Rapp-Wimberger, Nadia. Arbeite, Sammle, Vermehre.. Verlag Christian Brandst?tter, 2005. p. 135.
Rapp, Christian und Rapp-Wimberger, Nadia. Arbeite, Sammle, Vermehre.. Verlag Christian Brandst?tter, 2005. p. 138.
Erste Group History
Erste Group News
Економ?чна правда (20 грудня 2012). .
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Raiffeisen Private
free infoline: 801 222 582 *
phone: 22 585 25 82
work hours: 7 - 22Marcin Zborowski | LinkedIn
, Robert Korzeniowski’s Foundation ‘Fundacja Sportowa Polska’, Raiffeisen Bank Polska S.A., Raiffesen Bank Polska S.A.387connectionsJoin LinkedIn & access Marcin's full profileJoin LinkedIn & access Marcin's full profile. It's free!As a LinkedIn member, you'll join 300 million other professionals who are sharing connections, ideas, and opportunities.See who you know in commonGet introducedContact Marcin directly387connectionsDeloitte Business ConsultingManagerAugust 2012 – Present
BackgroundManager with extensive corporate banking experience. Over 15 years experience in product and process management with substantial derivatives knowledge. Direct experience of sales teams management.
Specialties: Treasury processes definition and reengineering, project and product management, sales area development, staff management.ExperienceManagerManager in Financial Services Industry specializing in banking. Strategic Consulting including process, product and sales strategy development in Treasury area.
Currently resposible for business scoping and solution design in a Calypso project implemetation.Member of Foundation BoardRobert Korzeniowski’s Foundation ‘Fundacja Sportowa Polska’Responsible for:
• setting the overall direction of the Foundation,
• supervision and control over the execution of the main directions of the Foundation, in particular the control of the property of the Foundation,
• expressing opinions and positions on matters submitted by the Board of Management, Program Board, Advisory Group and members of the Foundation Board,Head of Treasury Product DivisionResponsible for:
• Overall division management, allocating tasks and managing staff, building strategies for Treasury Product development, preparing procedures for efficient work flows of Division, functional control supervision.
• Supervising MiFID (Markets in Financial Instruments Directive) implementation in Treasury area.Collection and Restructuring Expert in Credit Risk Management DepartmentRaiffeisen Bank Polska S.A.Responsible for:
• Managing of derivatives portfolio at risk, restructuring of derivative and structured transactions of bank’s corporate customers.
• Building financing strategies for corporate customers (new financing sources, liquidity management).
• Working out with bank customers’ new strategies and procedures for managing foreign exchange and interest rate exposure.
• Making financial analyses of corporate clients (balance sheet, income statement, cash flow), preparing applications and presentations for Credit Committee meetings.
• Preparing short- and long term forecasts and reports.
• Making recommendations for further financial and operational development of restructured companies.
• Organization, preparation and coordination of transactions and financing processes.
• Negotiations with customers regarding restructuring and collection procedure.
Achievements:
• Successful restructuring of the derivatives portfolio at risk.
• Exceeding budgeted collection of banks doubtful receivables.
• Successful start of restructuring process of customers, as a result of negotiations, analyses and implementation of development plans.Acting Director - Treasury Products and Projects Management OfficeRaiffeisen Bank Polska S.A.Responsible for:
• Overall department management, allocating tasks and managing staff, building strategies for Treasury Department development, preparing procedures for efficient work flows of Department, functional control supervision.
• Direct reporting to the Board.
• Preparing sales analyses and portfolio reports for Treasury Department,
• Supervising MiFID (Markets in Financial Instruments Directive) implementation in Treasury area.
• Supervising projects run within Treasury Department.
• Coordinating interdepartmental team for the IT system development in Treasury area.
• Negotiations with Superderivatives and GFI Fenics companies regarding IT systems and solutions for Treasury Department.
• Membership of the Jury evaluating and approving innovative ideas and initiatives for the bank.
• Preparing legal and office regulations for bank customers.
• Co-operation with risk departments regarding Treasury products sales policies.
• Preparing and delivering training covering new treasury products and solutions.
• Preparing the unit and department budget.
Achievements:
• Successful building efficient product and project team.
• Concluding mutual agreements with external vendors for IT systems for sales and risk management support.
• Successful implementation of exotic options.Manager – Product Management TeamRaiffeisen Bank Polska S.A.Responsible for:
• Team management, allocating tasks and managing staff, budget preparation.
• Project management of derivative products and presentations of new product solutions to the Board.
• Treasury product management.
• Market and trend analyses with regard to risk management and identification of new business opportunities.
• Co-operation with sales dealers and credit analysts in credit risk analyses of potential derivatives customer.
• Creating legal regulations for implemented products.
• Monitoring sales and pricing policies for derivatives.
• Co-operation with Back Office regarding booking of Treasury transactions.
• Participating in development projects for the bank.
• Supervising co-operation with the partner company (Deloitte) regarding legal and regulation solutions for Treasury products and processes.
• Supporting employees in project and product management.
• Supporting other departments with regard to Treasury products sales and processes.
• Preparation and implementation of assessment center for dealers.
Achievements:
• Implementation of all existing derivative products in Raiffeisen Bank.
• Implementation of structured deposits within Six Sigma methodology.
• Efficient running of several interdepartmental projects using Six Sigma methodology, implementation of IRS, CIRS, II generation swaps and FX options.
• Preparation and presentation of strategic analyses within Treasury area to the Board and various bank departments.
• Concluding and optimizing bank’s own book transactions.Raiffeisen International in Bratislava – network banks improvement project,Raiffesen Bank Polska S.A.Responsible for: preparation of model IT solution for Raiffeisen network banks within Treasury area.Corporate Dealer – Team Leader in Treasury DepartmentRaiffesen Bank Polska S.A.Responsible for:
• Managing team.
• Building strong business relationships with bank clients.
• Sales of foreign exchange and money market products.
• New client acquisitions.
• Preparing and presenting Treasury products to clients.
• Presenting clients with opportunities of free cash investments, Treasury products usage within bank sales strategy.
• Budget preparation.
• Partaking in projects regarding development strategy within Treasury area.
• Market situation research, macroeconomic analyses of client oriented processes.
• Verifying deal confirmations and daily monitoring of transaction limits.
Achievements:
• Excellent sales results.LanguagesEnglishGermanSkillsRisk ManagementFinancial MarketsFX OptionsFinancial AnalysisCredit RiskDerivativesInvestmentsMoney MarketMiFIDCommercial BankingFinanceFinancial RiskPortfolio ManagementStrategyBankingCreditManagementCapital MarketsEducationmaster, MBA,
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