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Raiffeisen Bank International | Sustainability Report 2018
Management Overview Foreword
of sustainability
Responsible
banker
Fair partner –
Human Resources
Fair partner –
Inhouse ecology
Engaged
citizen
GRI index and
Assurance report
Positive impacts on society and social affairs
• Regional development and infrastructure
The European Union and various supranational institutions support and promote the development of the private
sector, particularly by providing improved and simplified access to funding for SMEs, for innovation and for the
agricultural sector:
As part of the “EIF Western Balkan Enterprise Development and Innovation Facility”, Raiffeisenbank Austria d.d.
in Croatia offers a first loss portfolio guarantee program under which the EIF assumes part of the risk of a newly
formed SME loan portfolio. The aim is to promote lending to small and medium-sized enterprises. There is also
a business relationship with the Croatian Bank for Reconstruction and Development (HBOR) for the development
of the Croatian economy. HBOR provides funding that Raiffeisenbank uses to finance “green”, social and export
projects. The same objectives must be pursued as for supranational institutions.
Based on the “Western Balkans Enterprise Development & Innovation Facility” (“WBEDIF”), Raiffeisen Bank
Sh. A. in Albania offers partnership programs that provide small and medium-sized enterprises with access to
financing at favorable conditions, thereby contributing to the development of the Albanian economy and
improved prosperity in many areas. It also provides financing for agricultural investments in connection with the
EU program on the implementation of the ”acquis communautaire“ in respect of the joint agricultural policy and
the sustainable adaptation of the agricultural sector and rural areas.
Raiffeisen Bank Aval JSC in Ukraine offers partnership programs in order to give small enterprises access to
funding and reduce financing costs in particular. The aim is to improve people’s quality of life through access
to technologies and to foster the development of the Ukrainian economy by establishing relationships with
international and local companies. Irrespective of this, investment means and “investment agro loans” are also
offered to small customers and micro-customers in order to allow them to purchase agricultural machinery and
equipment and crop processing equipment and to enable other investments by SME customers.
• Promotion of women
As part of the “EBRD Women in Business and SME Program”, Raiffeisenbank Austria d.d. in Croatia offers
financing as well as technical support and advisory services for the preparation and implementation of
projects by SMEs managed by women.
• Training and development
In 2018, Raiffeisen Bank Aval JSC in Ukraine provided guarantees for the construction of a private school in
Kiev. One of the guarantees covers the company’s obligations in connection with the fulfillment of a specific
section of the project work.
• Health and health care
Raiffeisen Bank S.A. in Romania provided financing for medical equipment. AO Raiffeisenbank in Russia
financed several dialysis centers in southern and central areas of the country, as well as clean room facilities,
medical laboratory equipment and a number of medical centers specializing in magnetic resonance tomography.
Raiffeisen Bank Aval JSC in Ukraine provided financing to a private hospital chain for the purchase of new
medical and diagnostic equipment. The company is one of the top ten health care providers in Ukraine and
offers a wide range of services – from diagnosis to operations – as well as operating Ukraine’s largest surgical
hospital. In this way, it is contributing to improved health care in a country where medical care is typically lacking.