Erste Group

Erste Group Bank AG
Company typeAktiengesellschaft
ISINAT0000652011
IndustryFinancial services
Founded9 August 2008 (October 1819 as the first Austrian savings banks)
HeadquartersVienna, Austria
Area served
Central and Eastern Europe
Key people
Peter Bosek (CEO), Stefan Dörfler, Alexandra Habeler-Drabek, Ingo Bleier, Maurizio Poletto
ProductsRetail and commercial banking, investment and private banking, asset management
€10.552 billion (2023)[1][2]
€7.228 billion (2023)[1][2]
Total assets€337.2 billion (2023)[1]
Total equity€28.5 billion (2023)[1]
Number of employees
45,709 (2023)[1]
Websitewww.erstegroup.com

Erste Group Bank AG (shortened version Erste Group) is an Austrian financial service provider. It is one of the largest financial service providers in Central and Eastern Europe serving more than 16 million clients in over 2,000 branches in seven countries.[3] Erste Group is headquartered in Vienna and operates as a universal bank.[4]

Erste Group is the central entity of the Sparkassengruppe Österreich (Austrian Savings Banks Group) and the Österreichischer Sparkassenverband. It has been designated as a Significant Institution since the entry into force of European Banking Supervision in late 2014, and as a consequence is directly supervised by the European Central Bank.[5][6] The main shareholder of Erste Group is the non-profit ERSTE Foundation.[7]

In 1997, Erste Group went public and today the company is listed on the exchanges of Vienna, Prague and Bucharest and included in the indices CEETX, ATX and PX.[8]

History

Main article: Sparkassengruppe Österreich
House of the Teutonic Order [de] in Vienna, seat of the Erste österreichische Spar-Casse from 1821 to 1839[9]
Building at Graben No.21 in Vienna, erected for the Erste Spar-casse in 1835-1838 on a design by Alois Pichl and seat of Erste Bank until moving to its new Erste Campus in 2015[10]

The origins of Erste Group are in the founding of the Erste österreichische Spar-Casse in October 1819 in Leopoldstadt, a suburb of Vienna.

The IPO in Vienna in 1997 was conducted under the unified Erste Bank, which also handled subsequent capital increases until 2006. Some of these transactions were the largest of their kind ever executed in Vienna's financial market. The capital raised was used to finance Erste Bank's acquisitions in Central and Eastern Europe.[11]

On 9 August 2008, the former Erste Bank Oesterreich was split up into the newly founded holding company Erste Group Bank AG and the subsidiary Erste Bank der österreichischen Sparkassen AG; the foreign subsidiaries were taken over by the new holding company. From then on, Erste Group included all companies of the group.[12]

Expansion into Central and Eastern Europe

Europa Tower, seat of Erste Bank in Budapest
Česká spořitelna head office building in Prague
Slovenská sporiteľňa head office in Bratislava
Banca Comercială Română head office building in Bucharest

Austria

In 1996, Salzburger Sparkasse was incorporated into the banking group.[13] Shortly before the turn of the millennium, Sparkasse Oberösterreich took over all Upper Austrian branches from Erste Bank, whereupon 26% of the shares in the now largest federal state savings bank were gained.[14] In 2000, Erste Bank acquired a 25% stake in the Steiermärkische Sparkasse.[15] In December 2001, 51% of the Tiroler Sparkasse was obtained.[16] In October 2007, shares in Bausparkasse der österreichischen Sparkassen were purchased;[17] in 2021, the remaining shares were acquired.[18]

In 2021, the Erste Bank Group still held 39.19% of the shares in Sparkasse Oberösterreich.[19] By the beginning of 2024, the shares had fallen to 16.84%.[14]

The shareholdings of Salzburger Sparkasse, Sparkasse Oberösterreich and Tiroler Sparkasse are still owned by Erste Bank, not Erste Group.[13][14][20]

Hungary

The first takeover in Hungary was Mezőbank in 1997 (which was privatised by GiroCredit). It was renamed the following year to Erste Bank Hungary Zrt.[21]

In 2003, the Hungarian Postabank was acquired, which merged with Erste Bank Hungary Zrt a year later.[22] In December 2021, Erste Group announced that it will acquire 100% of the shares of the Hungarian Commerzbank Zrt.[23]

Czech Republic

In 2000, majority stakes were acquired in the Czech Česká spořitelna (52% for EUR 530 million). Further shares were acquired in the following two years, with the result that 98% of the shares in the Czech credit institution were held at the end of 2002 and the total price of the acquisition increased to EUR 1.354 billion.[24] The remaining shares were acquired in October 2018.[25]

Slovakia

87.18% of the Slovak Slovenská sporiteľňa were acquired by Erste Bank in 2000 for EUR 425 million.[26][27][28] In the same year, 20% of these shares were sold back to the Eastern European bank European Bank for Reconstruction and Development (EBRD), reducing the stake in SLSP to 67.2%. In April of the same year, the remaining 10% was acquired by the Slovakian state government. On January 1, 2005, the remaining 19.99% of SLSP was purchased by the EBRD.[29][30]

Croatia

In 2000, three small Croatian banks (Bjelovarska banka d.d., Trgovačka banka d.d. und Čakovečka banka d.d.) were merged to create Erste & Steiermärkische Bank, following their takeovers as of 1997 by Erste Bank and Steiermärkische Bank und Sparkassen AG.[31][32]

In 2003, the Croatian bank Riječka banka was merged with Erste & Steiermärkische Bank.[32] As of 2022, the Erste & Steiermärkische Bank d.d. is the third-largest bank in Croatia.[33]

Romania

The acquisition of 61.88% in Banca Comercială Română S.A. (BCR), the largest Romanian bank with 2.8 million customers and 12,000 employees, for EUR 3.751 billion in December 2005 was the largest foreign direct investment ever by an Austrian enterprise.[34][35] Further shares in the Romanian bank were acquired in 2007 (7.2%) and 2012 (24%),[36] and in June 2018 the stake held by Erste Bank increased from 93.58 % to 99.88 %.[37] Banca Comercială Română has over 7,000 employees.[38]

Serbia

In July 2005, Erste Bank signed the purchase agreement for the acquisition of 83.28% of the shares in Novosadska banka a.d., Novi Sad, from the Republic of Serbia. At the time of the purchase agreement, the Novosadska banka served 260,000 customers and employed 889 people.[39]

The shares in the Serbian bank were increased from 83.3% to 95.6% in the fall of 2005, and 99.99% of the shares were held as of May 2006.[40] In January 2006, Novosadska banka was renamed Erste banka Novi Sad.[41]

Ukraine and other countries

In 2007, Erste Bank acquired 100% of Bank Prestige in Ukraine for EUR 79.4 million and renamed it Erste Bank Ukraine.[42] In April 2013, Erste Group sold its Ukrainian subsidiary for around EUR 63 million to the owners of the Ukrainian Fidobank.[43][44]

Furthermore, Erste Group Bank founded subsidiaries of savings banks and companies in Moldova (1998), Slovenia (1999 and 2006), Bosnia and Herzegovina (2006), North Macedonia (2008) and Montenegro (2009).[45][46]

Erste Group structure

Erste Group Bank AG is a public limited company that emerged from Erste Bank in 2008 and has since acted as a holding company for the Group's subsidiary banks in Austria and abroad.[12] The bank is active in seven countries in Central and Eastern Europe, with its private and corporate customer business focusing on the eastern part of the European Union, including Austria.[47][48]

The headquarters of Erste Group are located in Vienna. In addition, the banking group maintains branches in New York City, Hong Kong, Berlin and Stuttgart, which cover the lending business with foreign banks, leasing companies and sovereign borrowers as well as institutional sales.[49]

Erste Group's shares are traded on the Vienna, Prague and Bucharest stock exchanges and are weighted in the CEETX, ATX and PX indices. As of June 2024, they are the most heavily weighted component of the ATX, which reflects the blue-chip segment on the Vienna Stock Exchange.[50][51] Erste Group also holds 11.7% of the shares in the Vienna Stock Exchange.[52]

Subsidiary banks of Erste Group in Central and Eastern Europe[53][54]
Bank Country Share
(today) 		Comments
Erste Bank der oesterreichischen Sparkassen Austria 100.0% Erste Bank in Austria was placed under the control of Erste Group Bank AG (holding company)
Erste Bank Hungary Hungary 100.0% Operates the fifth largest subsidiary network in Hungary; in 1998 it was renamed Erste Bank Hungary, 2003 consolidated with Postabank
Česká spořitelna Czech Republic 100.0% Largest private bank in Czech Republic; 2000: 52.07% acquired
Slovenská sporiteľňa Slovakia 100.0% 2000: acquisition of 67.2%
2005: call option exercised for additional 19.99%
Afterwards, acquisition of 100%
Erste & Steiermärkische Bank Croatia 69.3% Merged Erste & Steiermärkischen Bank d.d., third largest bank in Croatia
Erste banke Novi Sad Serbia 80.5% Renamed as Erste Bank Novi Sad
Banca Comercială Română Romania 99.9% Largest bank in Romania at the time of acquisition
Other subsidiaries
bank / company share notes
Erste Asset Management 91.1%
Erste Digital 82.1%
Erste Group Immorent 100.0%
Intermarket Bank 93.8% Intermarket Bank AG had been part of Erste Bank since 2011; the shares were transferred to Erste Group Bank AG in January 2017

Effects of the financial crisis

In October 2011, Erste Bank said it expected a full year loss of up to EUR 1.1 billion, after writedowns and provisions of EUR 1.6 billion. This would be its first loss since at least 1988. It said the writedowns were due to government intervention in Hungary, where it was forced to take losses on Swiss franc mortgages, and a slower than expected recovery in Romania.[55] In August 2013, Erste Group Bank AG was the first Austrian bank to fully repay the participation capital of EUR 1.76 billion issued in 2009 which consisted of EUR 1.22 billion from the Republic of Austria and EUR 540 million from private investors.[56] From 2009 to 2012, the Republic of Austria received annual dividend payments from Erste Group of EUR 98 million and private investors of EUR 43 million. Including the pro rata dividend for 2013 which paid in June 2014 after the corresponding resolution is passed by the annual shareholders' meeting, the Republic of Austria received EUR 448 million and private investors EUR 198 million in dividends.[57]

Products

Online Banking George

In January 2015, Erste introduced its digital banking platform "George" in Austria.[58] George was launched in Slovakia and in the Czech Republic in 2017, in Romania in 2018, in Croatia in 2020 and in Hungary in 2021. According to Erste Group, there were approximately 4 million George users in the first four markets by the end of 2018, more than 5 million in 2021,[59] and about 10 million by the end of 2023.[60]

Private banking

The Private Banking division serves private clients and offers them fund products. Customers can invest in private market ventures (private equity) with a starting capital of 50,000 EUR.[61]

Social banking

Erste Group's social banking initiative came into being in 2006 with the founding of Die Zweite Sparkasse, offering people in financial need access to their own bank account and financial advise. In 2009, Erste Group founded a microfinance institution in Romania, which provides loans to rural entrepreneurs. Sinde 2016, social banking has been initiated in all core markets of Erste Group. As of April 2024, EUR 595.6 million in funding have been made available, creating or maintaining 100,000 jobs.[62]

Projects and initiatives

Headquarters Erste Campus

In the spring of 2016, 4.500 employees of Erste Group, of Erste Bank Oesterreich and their subsidiaries in Vienna moved to their new headquarters "Erste Campus". Construction had started on 26 June 2012. The headquarters are located on the site of the former Südbahnhof and was the first building complex of "Quartier Belvedere" that was completed. The new district is a mix of company buildings, apartments, parks, cultural spaces, shops and restaurants.[63][64]

Other activities

In 2016, the Erste Financial Life Park (called Flip) was opened in Vienna with 1,500 m² of interactive exhibition space. Flip offers training courses on personal financial responsibility and debt prevention.[65]

Erste Group is a partner of the annual European Forum Alpbach.[66]

Rankings and awards

In a Forbes Magazine ranking of the world's largest stock corporations in 2013, Erste Group Bank came in 672nd place overall and was third among Austrian companies.[67]

  • 2014–2023: "Best Bank in Central and Eastern Europe" by Euromoney.[68]
  • 2014–2023: "Best Private Bank in Central and Eastern Europe" by the London-based financial magazine The Banker.[68]
  • 2019: Award for the 2018 Christmas campaign by the American organization The One Club in the "Animation" category.[69]
  • 2022: Subsidiaries in Austria, Slovakia and Romania named "Best Bank" in their respective markets by Euromoney.[70]
  • 2021: Listing in the Bloomberg L.P Gender-Equality Index (GEI) as one of 380 companies from 11 sectors and 44 countries worldwide that are particularly gender-equitable.[71]

References

  1. ^ a b c d e "Erste Group: Annual Report 2023". Erste Group. Retrieved 24 June 2024.
  2. ^ a b "Annual Report 2023, Key financial and operating data". Erste Group. Retrieved 24 June 2024.
  3. ^ "Banken: Erste Group macht mehr Gewinn als erwartet" [Banks: Erste Group makes more profit than expected]. Handelsblatt (in German). 31 July 2023. Retrieved 22 April 2024.
  4. ^ "Erste Group: What about savings rates, Mr. Cernko?". Stock Exchange Analyst. 28 February 2023. Retrieved 22 April 2024.
  5. ^ "The list of significant supervised entities and the list of less significant institutions" (PDF). European Central Bank. 4 September 2014.
  6. ^ "List of supervised entities" (PDF). European Central Bank. 1 January 2023.
  7. ^ "Ausstieg der Caixa bei Erste Bank schwächt Kernaktionäre" [Caixa's exit from Erste Bank weakens core shareholders]. Kurier (in German). 5 November 2021. Retrieved 22 April 2024.
  8. ^ "About us". Erste Group. Retrieved 19 June 2024.
  9. ^ "Erste Bank der oesterreichischen Sparkassen AG". Wien Geschichte Wiki.
  10. ^ "Graben 21". Wien Geschichte Wiki.
  11. ^ "Erste Group celebrates 25th anniversary of IPO". Market Screener. 31 July 2017. Retrieved 23 June 2024.
  12. ^ a b "Österreich-Geschäft wird abgespalten" [Austrian business to be spun off]. Der Standard (in German). 31 July 2007. Retrieved 19 June 2024.
  13. ^ a b "Salzburger Sparkasse 2005 mit 5,2 Millionen Jahresüberschuss" [Salzburger Sparkasse with 5.2 million net profit in 2005]. Der Standard (in German). 30 March 2006. Retrieved 19 June 2024.
  14. ^ a b c Lena Kratochwil (19 January 2024). "Allgemeine Sparkasse Oberösterreich AG: Bank mit sozialer Verantwortung" [Allgemeine Sparkasse Oberösterreich AG: Bank with social responsibility]. Trend (in German). Retrieved 19 June 2024.
  15. ^ "Eigentümerstruktur" [Owner structure]. Steiermärkische Sparkasse (in German). 2024. Retrieved 19 June 2024.
  16. ^ "Tispa-Mehrheitskauf bei Kartellgericht angemeldet". Der Standard (in German). 14 December 2001. Retrieved 20 June 2024.
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  18. ^ "Erste Bank nunmehr zu hundert Prozent Eigentümerin der Bausparkasse – Erste Group-Aktie schwächer" [Erste Bank now wholly owned by Bausparkasse – Erste Group share weaker]. Finanzen.at (in German). 30 June 2021. Retrieved 19 June 2024.
  19. ^ "Erste Bank verringert ihre Anteile an Sparkasse OÖ" [Erste Bank reduces its stake in Sparkasse Oberösterreich]. Kurier (in German). 23 November 2021. Retrieved 13 June 2024.
  20. ^ "Bilanz 2022: Tiroler Sparkasse blickt auf erfolgreiches 200. Geschäftsjahr zurück" [Balance sheet 2022: Tiroler Sparkasse looks back on a successful 200th financial year]. Tiroler Sparkasse (in German). 8 May 2023. Retrieved 13 June 2024.
  21. ^ Richard Field (1 March 2014). "Erste Bank CEO hopes Hungary changes economic policies after election". The Budapest Beacon. Retrieved 23 April 2024.
  22. ^ "Erste Bank: Teure Fusion in Ungarn" [Erste Bank: Expensive fusion in Hungary]. Der Standard (in German). 26 February 2004. Retrieved 23 April 2024.
  23. ^ "Erste kauft ungarische Commerzbank-Tochter". Erste Group Bank AG (in German). 17 December 2021. Retrieved 23 April 2024.
  24. ^ "Heimische Top-Investoren" [Top domestic investors]. Der Standard (in German). 21 December 2005. Retrieved 20 June 2024.
  25. ^ "Erste Group získala úplnou kontrolu nad Českou spořitelnou. Vytěsnila minoritní akcionáře". Irozhlas (in Czech). 3 October 2018. Retrieved 29 May 2024.
  26. ^ Günter Baburek (1 December 2002). "Tschechien für Erste Bank Goldgrube". Der Standard (in German). Retrieved 22 April 2024.
  27. ^ "Erste Bank: Retail leader by organic growth". Euromoney. 1 September 2001. Retrieved 23 April 2024.
  28. ^ "Größte Sparkasse in der Slowakei: Erste Bank kauft 87,1 % an Slovenska Sporitelna" [Largest savings bank in Slovakia: Erste Bank acquires 87.1% of Slovenska Sporitelna]. Handelsblatt (in German). 11 January 2001. Retrieved 22 April 2024.
  29. ^ "Erste will Slowakei-Tochter ganz beherrschen" [Erste wants to control Slovakia subsidiary completely]. Der Standard (in German). 19 May 2004. Retrieved 20 June 2024.
  30. ^ "Erste Bank erhielt Zuschlag für Slovenska Sporitelna" [Erste Bank awarded contract for Slovenska Sporitelna]. Der Standard (in German). 14 December 2000. Retrieved 20 June 2024.
  31. ^ "Erste Bank denkt an Stiftung und will im Osten weiter wachsen" [Erste Bank considers foundation and wants to grow further in the East]. Der Standard (in German). 10 August 2000. Retrieved 20 June 2024.
  32. ^ a b Aleksić, Aleksandra; Bacher, Norbert; Beitl, Matthias; Rapp-Wimberger, Nadia (2020). The CEE History Project. Wien: Erste Stiftung. p. 36.
  33. ^ "Rating Action Commentary: Fitch Affirms Erste & Steiermarkische Bank d.d. at "A-"; Outlook Stable". Fitch Ratings. 16 November 2023. Retrieved 20 June 2024.
  34. ^ Diana Arjoca (December 2011). Direct investment strategies of Austrian companies in Romania. A comparative study. Vol. 42. The Romanian Economic Journal. pp. 236–237.
  35. ^ Ştefan Cândea (21 December 2005). "Privatizarea BCR". Deutsche Welle (in Romanian). Retrieved 20 June 2024.
  36. ^ "Banca Comercială Romanian S.A." Dupa Afaceri Premium (in Romanian). 22 May 2014. Retrieved 23 April 2024.
  37. ^ "Erste Group übernimmt größte rumänische Bank fast zur Gänze" [Erste Group takes over almost all of Romania's largest bank]. Fonds Online (in German). 25 June 2018. Retrieved 20 June 2024.
  38. ^ "Banca Comercială Română". American Chamber of Commerce in Romania. Retrieved 20 June 2024.
  39. ^ "Erste Bank besiegelt am Freitag Übernahme der Novosadska banka". Der Standard (in German). 31 July 2005. Retrieved 20 June 2024.
  40. ^ "Erste Group Bank". Aktie.at (in German). 3 May 2006. Retrieved 24 April 2024.
  41. ^ "Erste banka Novi Sad eröffnet erste Filiale in Belgrad" [Erste banka Novi Sad opens its first branch in Belgrade]. Der Standard (in German). 10 January 2006. Retrieved 20 June 2024.
  42. ^ "Erste Bank übernimmt ukrainische Bank Prestige ganz" [Erste Bank takes over Ukrainian bank Prestige in its entirety]. Der Standard (in German). 20 December 2006. Retrieved 20 June 2024.
  43. ^ "History Timeline". Archived from the original on 31 January 2016. Retrieved 20 July 2015.
  44. ^ "Neue Eigentümer: Erste Group: Verkauf der Ukraine-Bank ist durch" [New Owners: Erste Group: The Ukraine bank is sold]. Der Standard (in German). 30 April 2013. Retrieved 20 June 2024.
  45. ^ "Erste Group seit 25 Jahren an der Börse" [Erste Group on the stock exchange for 25 years]. Wirtschaftszeit (in German). 2 December 2022. Retrieved 22 April 2024.
  46. ^ Julia Dellafior (20 January 2021). "Stefan Vavti übernimmt Vorstand der Banka Sparkasse" [Stefan Vavti takes over the Management Board of Banka Sparkasse]. MeinBezirk.at (in German). Retrieved 20 June 2024.
  47. ^ "Firmenprofil Erste Group Bank AG" [Company profile Erste Group Bank AG]. Handelsblatt (in German). 2024. Retrieved 23 April 2024.
  48. ^ Erste Group: Annual Report 2023. Vienna: Erste Group Bank AG. 29 February 2024. p. 8.
  49. ^ Erste Group: Annual Report 2023. Vienna: Erste Group Bank AG. 29 February 2024. p. 10, 33.
  50. ^ "Aktuelle Indexwertung" [Current index rating]. Wiener Börse (in German). 24 April 2024. Retrieved 24 April 2024.
  51. ^ "Erste Group Bank Aktie". Finanzen.at (in German). Retrieved 24 April 2024.
  52. ^ Erste Group: Annual Report 2023. Vienna: Erste Group Bank AG. 29 February 2024. p. 198.
  53. ^ Geschichte der Erste Bank bzw. Erste Group (Retrieved 1 April 2014)
  54. ^ Rapp, Christian und Rapp-Wimberger, Nadia. Arbeite, Sammle, Vermehre. Verlag Christian Brandstätter, 2005. p. 135 and 138.
  55. ^ Erste Slumps as Hungary, Romania Trigger $1.1 Billion Loss, archived from the original on 25 October 2011, retrieved 11 October 2011
  56. ^ "Erste says sold 540 mln eur capital to investors". Reuters. Retrieved 20 June 2024.
  57. ^ Der Staat ist bei der Ersten draußen Der Standard, 8 August 2013
  58. ^ "Erste Bank öffnet George für externe Entwickler" [Erste Bank opens George for external programmers]. Future Zone (in German). 12 June 2019. Retrieved 20 June 2024.
  59. ^ ""4 Länder, 4 Millionen!"". blog.mygeorge.at (in German). Retrieved 27 December 2018.
  60. ^ "Jahresergebnis 2023: Robuste Geschäftsentwicklung und starke Kapitalausstattung" [Annual result 2023: Robust business development and strong capitalization]. Erste Group Bank (in German). 29 February 2024. Retrieved 29 May 2024.
  61. ^ "Erste Bank Österreich: Privatmarkt-Lösung für kleinere Vermögen" [Private market solution for smaller assets]. Fonds Online (in German). 24 March 2023. Retrieved 24 April 2024.
  62. ^ Reinhard Krémer (19 April 2024). ""Meilenstein von 600 Millionen Euro erreicht"" [Milestone of 600 million euros reached]. medianet (in German). Retrieved 10 June 2024.
  63. ^ "Der Erste Campus – Home". Archived from the original on 2 May 2016. Retrieved 17 May 2016.
  64. ^ "Erste Group Konzernzentrale in Wien" [Erste Group headquarters in Vienna]. Heinze GmbH (in German). 2024. Retrieved 24 April 2024.
  65. ^ Patrick Dax (28 October 2016). "Flip: Erste Bank startet Financial Life Park" [Flip: Erste Bank starts Financial Life Park]. Future Zone (in German). Retrieved 24 April 2024.
  66. ^ "Europäisches Forum Alpbach 2024". Erste Group Bank (in German). Retrieved 20 June 2024.
  67. ^ "Elf Firmen unter den weltweit größten". oesterreich.orf.at. 18 April 2013. Retrieved 19 June 2013. Österreich ist mit elf Unternehmen in der am Mittwoch veröffentlichten Rangliste des US-Magazins „Forbes" der weltweit größten 2.000 Firmen vertreten. […] Erste Group Bank (Platz 672), […] Unter den 2.000 Firmen befinden sich ausschließlich Aktiengesellschaften, weshalb beispielsweise Red Bull nicht vorkommt. […] Zur Erstellung der Rangliste wurden folgende Kennzahlen verwendet: Umsatz, Gewinn, Vermögenswert und Marktkapitalisierung.
  68. ^ a b "Erste Private Banking gewinnt eine Vielzahl von Auszeichnungen von PWM/The Banker und Global Finance" [Erste Private Banking wins a number of awards from PWM/The Banker and Global Finance]. Erste Group Bank (in German). 15 November 2023. Retrieved 23 June 2024.
  69. ^ "Erste Bank: Igel Henry holt Gold in New York" [Erste Bank: Igel Henry wins gold in New York]. Horizont. 14 May 2019. Retrieved 23 June 2024.
  70. ^ "CEE's best bank 2022: Erste Group". Euromoney. 14 July 2022. Retrieved 25 June 2024.
  71. ^ "Österreicher im Bloomberg Gender-Equality Index" [Austrians in the Bloomberg Gender Equality Index]. CSR Guide (in German). 23 February 2021. Retrieved 24 April 2024.

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كوبا ليبرتادوريس 1988

يفتقر محتوى هذه المقالة إلى الاستشهاد بمصادر. فضلاً، ساهم في تطوير هذه المقالة من خلال إضافة مصادر موثوق بها. أي معلومات غير موثقة يمكن التشكيك بها وإزالتها. (أغسطس 2019) هذه المقالة تحتاج للمزيد من الوصلات للمقالات الأخرى للمساعدة في ترابط مقالات الموسوعة. فضلًا ساعد في تحسي...

 

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Alan Hastings

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كولي ايزيه

هذه المقالة يتيمة إذ تصل إليها مقالات أخرى قليلة جدًا. فضلًا، ساعد بإضافة وصلة إليها في مقالات متعلقة بها. (سبتمبر 2018) كولي ايزيه معلومات شخصية الميلاد 10 ديسمبر 1979 (العمر 44 سنة)نيجيريا  الطول 1.87 م (6 قدم 1 1⁄2 بوصة) مركز اللعب مُدَافِع  الجنسية نيجيريا  معلو�...