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Annual Report 2011

Find here the Annual Report for the business year 2011.

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Annual Report 2011

Find here the Annual Report for the business year 2011.

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Press photos

Find high-definition portraits of the Board of Management members Wolfgang Perdich, Michael Mendel and Martin Fuchsbauer for your press articles here.

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Corporate Responsibility

Find information on VBAG's activities regarding Corporate Responsibility.

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The Volksbank Group as an employer

Find information on what the Österreichische Volksbanken-AG offers as an employer and whom we are looking for as new employees here.

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Information

The information, materials and services provided on this website and on other websites linked to it (together the "Websites") of Österreichische Volksbanken-AG and other companies of its group (together "ÖVAG") regarding financial instruments and securities are only directed to investors who are not subject to a legal selling restriction (each an "Interested Party").

The publication and distribution of information as well as the offer and sale of the products and services described on the Websites may be subject to statutory restrictions in some countries. Therefore, persons in these countries where the publication, acquisition and sale of products and services described on the Websites is subject to restrictions, are not allowed to access the Websites and/or to acquire products described on the Websites.

The securities mentioned on the Websites have not been registered under the US Securities Act of 1933, as amended, or with any authority of any state of the US, and may not be offered or sold in the US. Neither ÖVAG nor any other third party may grant access to the Websites and offer products to US-citizens or any person being residents of the United States and any "United States person" (in the meaning given to them by Regulation S under the US Securities Act of 1933, as amended) or to persons who are citizens of Australia, Canada, United Kingdom, Japan and to any person resident in these countries. Therefore the distribution of the information, materials and products in the United States , Australia, Canada, United Kingdom and Japan and any other country where it is not permitted by the applicable law, to persons who are citizens or resident in these countries is prohibited.

The Interested Party is at its own responsible for assessing whether it has the necessary authorisation to access the Websites pursuant to applicable law. ÖVAG shall not be responsible for the disclosure of the content of the Websites to any person or organisation who gave false information about its rights to access the Websites. Therefore, ÖVAG shall not be responsible for any claim or damage which may arise from unauthorised access to the Websites.

Access to and use of the Websites and this important information shall be subject to Austrian law.

By agreeing to this information, the Interested Party confirms that
(i) it has read, understood and agreed to this information and the disclaimer below;
(ii) it is aware of all applicable legal restrictions and has ensured that access to the Websites is neither restricted nor forbidden pursuant to applicable laws; and
(iii) it will not grant access to the content of the Websites to any person who is not entitled to access the Websites.

Disclaimer

The information on the Websites does not constitute a recommendation or an offer or a solicitation for an offer to buy or subscribe financial instruments. To the extent that the financial instruments described herein are subject to the prospectus requirement defined by Â§ 2 Austrian Capital Markets Act (Kapitalmarktgesetz) or by the Austrian Investment Fund Act (Investmentfondsgesetz), the respective prospectus including all amendments and supplements can be retrieved from www.volksbank.com sowie www.volksbankinvestments.com. Interested Parties may obtain a printed version of the prospectus, free of charge, including all amendments and supplements at Österreichische Volksbanken-Aktiengesellschaft, Kolingasse 14-16, A-1090 Vienna.

ÖVAG monitors and updates the information on its Websites regularly. However, despite taking care, data may have changed in the meantime. Therefore, any liability or guarantee for the up-to-dateness, correctness and completeness of the information made available is excluded. This also applies for all other websites to which there are hyperlinks. ÖVAG reserves the right to make any changes and modifications to the provided information at any time.

The Websites may contain future expectations and other future statements based on assumptions of the management; this could involve known and unknown risks and uncertainties; as a result the actual results, services and events could differ from such statements or expectations.

Indicative prices for financial instruments are published regularly on the Websites. This information is freely accessible. The display of this information is subject to delay, and the addition of prices to the Websites may be interrupted for technical reasons (e.i. transmission errors). ÖVAG cannot guarantee that the indicative prices displayed here will be realized as tradable prices in the broker's trading system or on the stock exchange. The price information is near real-time, however, ÖVAG provides no guarantee for the real-time display of such prices.

The redemption profiles (e.g. capital guarantee, participation, etc.) depicted and described on the Websites only apply at maturity but not necessarily in case of an early redemption. The information contained on the Websites, including key data (value-at-risk data, performance data, etc.), is solely intended to provide non-binding information. In particular, it is not a substitute for a comprehensive risk evaluation. Please always contact your customer advisor before making any investment decision.

Neither ÖVAG nor its affiliates, advisors or representatives shall be liable in case of slight negligence and, in relation to Interested Parties which are no consumers in the meaning of the Austrian Consumer Protection Act, in case of gross negligence, for losses arising from the use of the Websites, its content or in any other causal connection with the Websites.

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