Corporate customers segmentation based on needs and size

The new Corporates Division services Austrian customers with an annual turnover in excess of € 3 million. In addition to this quantitative criterion taken from practical experience, customers with a smaller turn-over are serviced by the Corporates Division provided that they are part of a larger group of companies, are globally-oriented and/or use corporate finance or risk management products.

These criteria show that we apply not only static definitions but also take into account optimal relationship management intensity and customers’ needs. Medium-sized companies in particular are demanding solutions which were reserved for large companies until recently. In this respect we benefit from our unrivalled market position in the fields of capital market-based financing solutions, structured finance and derivatives for risk management. For years we have been encouraging the use of capital market-oriented financing and we have supported companies with specially developed analysis and planning software, in order to strengthen their often weak capital base. By way of rating advisory, we arrange risk-adequate pricing for loans to customers. The trend from loan market to capital market is beginning to make an impact.