26
Management report
With regard to the return on investment, we refer to the disclosure in the notes pursuant to section 64 (1) line 19 of the BWG.
Capital ratio*
31.12.2014
31.12.2013
31.12.2012
13.49%
12.74%
11.80%
Return on equity*
31.12.2014
31.12.2013
31.12.2012
7.00%
6.97%
6.86%
Net margin*
31.12.2014
31.12.2013
31.12.2012
0.59%
0.57%
0.61%
Cost–income ratio
31.12.2014
31.12.2013
31.12.2012
60.71%
63.17%
60.92%
Financial performance indicators
* Imputable regulatory capital/tax base × 100
* Operating expenses/operating income
* Profit from ordinary activities/mean equity
* Operating profit IV/mean balance sheet total
Non-financial performance indicators
Looking after the region
Unlike a major international bank, we are there for our customers
in the heart of the region. Innovative products, such as the
Raiffeisen-Tyrol regional bond, are specifically developed to cater
for the needs of local consumers, thereby ensuring that money
from the region gets used for the region.
Specialised companies from the Raiffeisen union round off
the range of services on offer, ensuring that we can offer
comprehensive, expert advice to private and business customers
alike.
Agenda-setting role within RGBT
Supporting Tyrolean Raiffeisen banks is the founding mission of
RLB Tyrol AG, and as such forms a central component of its range
of services. Raiffeisen-Bankengruppe Tirol’s joint strategy for 2017
forms the basis for the services offered, which can be provided
either centrally or, if desired, locally. To ensure a successful
common future, RLB Tyrol AG sits on both state-level and national
boards and committees, using its role as an agenda setter to give
support and impetus for the Tyrolean Raiffeisen banks.
Important sponsor
Alongside its role as a modern provider of banking services,
RLB Tirol AG also has a long tradition of charitable work and
educational, cultural and sports sponsorships in its marketing
territory. Examples include Tiroler Sozialmarkt in Innsbruck (a
cut-price grocery store), Caritas, the Red Cross, the Tyrolean
theatre group Tiroler Volksschauspiele Telfs, the New Orleans
Festival, numerous schools and sports clubs and many more.
The exhibitions staged by the gallery RLB Kunstbrücke and the
RLB Atelier gallery in Lienz make a major contribution to the lively
Innsbruck and Tyrolean cultural scene. The 18,000 euro RLB art
prize is awarded every two years and is an additional commitment
which gives young Tyrolean artists the opportunity to present their
work to a wider public.
Satisfied employees
RLB Tirol AG offers attractive and crisis-proof jobs. It gives due
consideration to the reconciliation of working and family life and
promoting occupational health and safety. This means that within
the scope of the in-house health scheme RLB Vital, employees can
choose from a broad range of courses and talks.
In 2014, Raiffeisen-Landesbank Tirol AG employed an average of
373.8 people (362.3 white-collar and 11.5 blue-collar personnel),
This constitutes a decrease of 11.7 per cent.
Trainee initiative
Together with the Tyrolean Raiffeisen banks, a few years ago RLB
Tyrol AG launched a major trainee initiative. It offers vocational
training courses as qualified bank clerks, either with or without the
school-leaving certificate (
Matura
).
On average, Raiffeisen-Landesbank Tirol AG takes on three new
trainees per year. In addition, around 15 young people per year
start apprenticeships as office management assistants within
Raiffeisen-Bankengruppe Tirol.
At present, nine trainees are learning their trade at Raiffeisen-
Landesbank Tirol AG and 40 are doing so at the Tyrolean
Raiffeisen banks.
The training programme sets great store by quality and practical
experience, with trainees thus putting in a total of 4,800 hours in
a wide variety of different departments. The career prospects we
offer young people are excellent. Although most newly qualified
staff are assigned directly to customer service, there is also a
demand for specialists in many different fields, such as controlling,
marketing and risk management.
Career paths
RLB Tirol AG offers individual career paths on both specialist and
management levels, and a wide range of training opportunities
form a further important component of the employee advancement
and development we offer. As well as in-house training courses,
employees can use external educational establishments for
their needs, for example the Raiffeisen-Campus school or the
Management Center Innsbruck (MCI). Training courses developed
especially for Raiffeisen are offered there.
The content of the courses covers all banking subject areas and
also includes personality-building seminars and training courses,
since the skills and dedication of all our employees make a key
contribution to sustained corporate success.
