Marco referencial

The parent of the BKS Bank Group is BKS Bank AG, which is headquartered in Klagenfurt. BKS Bank AG recorded profit from ordinary activities of €29.9 million, making a substantial contribution to consolidated net profit in 2012. Assets of roughly €6.33 billion also underlined its dominant role. The BKS Bank Group had an average of 930 employees during the year, 854 of whom were working for BKS Bank AG.

BKS-Leasing Gesellschaft mbH

This Group subsidiary is headquartered in Klagenfurt am Wörthersee. It has been carrying on motor vehicle and movable property leasing business in BKS Bank’s core operating territories in Austria since 1988. As a wholly owned subsidiary of BKS Bank AG — with share capital of €40.0 thousand — that has been regarded as one fiscal entity with BKS Bank AG since 1996, it makes up a group as defined by KStG (Austrian corporation tax act) together with BKS-Immobilienservice Gesellschaft m.b.H. BKS Bank AG acts as group parent and also provides the 10 employees and back office infrastructure used in the sale and management of leases.

BKS-Immobilienleasing Gesellschaft mbH

Also a Group subsidiary, BKS-Immobilienleasing Gesellschaft m.b.H., which was founded in 1989 and is head- quartered in Klagenfurt am Wörthersee, specializes in real estate leasing. Its business operations comprise the acquisition, construction, renting, letting and management of real estate. 99.75 per cent of its share capital of €40.0 thousand is held by BKS-Leasing Gesellschaft mbH, described above, and Immobilien Errich- tungs- u. Vermietungsgesellschaft m.b.H. & Co. KG, Klagenfurt, holds 0.25 per cent.

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BKS-leasing d.o.o. BKS-leasing Croatia d.o.o.

BKS Bank entered the Slovenian market when it acquired the company now called BKS-leasing d.o.o. in 1998. BKS-leasing d.o.o. is headquartered in Ljubljana and has share capital of €260,000. Within BKS Bank’s organizational structure, it is responsible for working the Slovenian market, where it focuses on motor vehicle, movable property and real estate leasing. BKS-leasing Croatia d.o.o., which was set up in 2002, is headquartered in Zagreb and has share capital of HRK9.0 million, has also successfully profited from BKS Bank’s historical business links with the so-called Alpe-Adria region and the potential of the Croatian market.

BKS-Leasing a.s.

BKS Bank acquired the company now called BKS-Leasing a.s. and previously called KOFIS Leasing a.s. in 2007. It is headquartered in Bratislava and also has branches in Banská Bystrica and Žilina.

BKS Bank d.d.

BKS Bank entered the Croatian banking market in 2006 when it acquired a majority shareholding in Kvarner banka d.d. Subsequently, it gradually increased its stake to 100 per cent. This bank is registered as a stock corporation. In 2008, it was renamed as BKS Bank d.d. and opened a branch in Zagreb. BKS Bank d.d. spe- cializes mainly in lending to small and medium-sized manufacturers and businesses. It now possesses the infrastructure of a fully fledged bank. It had share capital of HRK 200 million on the reporting date. This company with its 59 employees had assets of HRK 1,201 million at the end of the year under review. A share capital increase of €10.6 million (HRK 80.0 million) took place in 2012.

Oberbank

Oberbank was set up in 1869 as Bank für Oberösterreich und Salzburg. It is headquartered in Linz. As we have already mentioned, it is accounted for in the Consolidated Financial Statements of BKS Bank using the equity method. It is a leading independent provider of banking services to industrial and medium- sized enterprises in its core regional markets, which are Upper Austria and Salzburg Province. It has branches in Vienna, Lower Austria, Bavaria, the Czech Republic, Hungary and Slovakia. It had an average workforce of 2,020, ended the year with consolidated assets of €17.7 billion and posted a profit for the year before tax of €132.4 million, making it, once again, one of Austria’s most profitable banks in 2012. This company, which has been listed on the Vienna Stock Exchange since 1986, had market capitalization of roughly €1.35 billion at the end of 2012.

Bank für tirol und Vorarlberg

Bank für Tirol und Vorarlberg (BTV) was founded in 1904. It is anchored in its core markets of Tirol and Vorarlberg provinces, which are in Western Austria. It is the third independent bank in the 3 Banken Group, on an equal footing with Oberbank and BKS Bank. It has been operating as BTV VIER LÄNDER BANK since 2011. Besides its original branches in Tirol and Vorarlberg, this bank now has a local presence through branches in Vienna, Bavaria, Baden-Württemberg, eastern Switzerland and northern Italy. Its 779 employees succeeded in increasing its assets to roughly €9.5 billion in 2012. The BTV Group’s profit for the year before tax came to €67.1 million. BTV had market capitalization of about €421 million at the end of 2012.

Alpenländische Garantie-GmbH

Alpenländische Garantie-GmbH (ALGAR) is headquartered in Linz. It was set up as a 3 Banken Group joint venture in the form of a bank in 1983. ALGAR is not profit-orientated. Its object is to mitigate the large loan risks of the three banks that are its equity holders. It does so by issuing guarantees and letters of indemnity

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and assuming liability in other ways for loans and advances. Fifty per cent of ALGAR’s share capital of €3.0 million is held by Oberbank. Twenty-five per cent stakes are held by BTV and BKS Bank. The BKS Bank Group accounts for its investment in ALGAR using the equity method.

Drei-Banken Versicherungs-Aktiengesellschaft

Insurer Drei-Banken Versicherungs-Aktiengesellschaft (3BV-AG), Linz, was set up in 1988. It sells its own risk insurance products and brokers endowment and property insurance products as an insurance agent for Generali Versicherung AG. This long-standing ally of the 3 Banken Group has a 20 per cent stake in 3BV-AG. Oberbank holds a stake of 40 per cent in the company’s share capital of €7.5 million. BTV and BKS Bank hold 20 per cent each.