Legal notice

Intermarket Bank AG

Am Belvedere 1
1100 Vienna
Austria

Telephone: +43 (0) 50 100    28900
Telefax: +43 (0) 50 100 9 28900
Email: mailbox@intermarket.at
www.intermarket.at

Registered office: Vienna
Companies register number: FN 94144y
Court keeping the companies register: Vienna Commercial Court
VAT ID number: ATU15357003

Competent supervisory authority

Financial Market Authority
Otto-Wagner-Platz 5,
A-1090 Vienna
www.fma.gv.at

Chamber/professional association
Austrian Economic Chamber
Federal Industry Sector of Banking and Insurance
Trade Association of Banks and Bankers
Wiedner Hauptstraße 63, 1045 Vienna
www.wko.at

Applicable trade and professional regulations
The applicable legal framework is, in particular, the Banking Act (Bankwesengesetz, BWG) as amended.
www.ris.bka.gv.at

Additional information pursuant to the Austrian Media Act (Mediengesetz, MedienG)

Media owner and publisher
Intermarket Bank AG
Am Belvedere 1
1100 Vienna

Object of the company
Carrying out banking transactions for commercial purposes within the meaning of section 1 of the Banking Act (Bankwesengesetz, BWG), specifically the purchase of receivables from the delivery of goods or services, assumption of the risk of non-payment associated with such receivables – with the exception of credit insurance – and the related collection of such receivables (factoring business) pursuant to section 1 (1) item 16 of the Banking Act

Management Board
Sebastian ERICH - Chair
Mag. Patrick GÖTZ - Member of the Board

Supervisory Board
Ingo BLEIER – Chair of the Supervisory Board
Gregor DEIX – Vice-Chair
Hannes FROTZBACHER
Hans UNTERDORFER

Works council representatives:
Andrea CZERNY
Brigitte GÜRTLER 

Persons holding shares in the media owner

92.62 % Erste Group Bank AG
Object of the company: credit institution
Registered office: Am Belvedere 1, 1100 Vienna
http://www.erstegroup.com 

4.38 % "Die Kärntner" Trust Vermögensverwaltungsgesellschaft mbH & Co KG
Object of the company: credit institution
Registered office: 9020 Klagenfurt, Bahnhofstraße 8
http://www.sparkasse.at/kaernten

3.00 % NÖ-Sparkassen Beteiligungsgesellschaft mbH
Object of the company: management of shareholdings
Registered office: 1100 Vienna, Am Belvedere 1
http://www.sparkasse.at/noe

Website content

Presentation of Intermarket Bank AG and provision of information about the products and services offered by Intermarket Bank AG

Disclaimer − important legal notice
Intermarket Bank AG has made every reasonable effort to ensure that the information provided on this website is accurate and complete at the time of publication. Nevertheless, inadvertent or accidental errors may have occurred, for which we apologise.

Changes
Furthermore, Intermarket Bank AG reserves the right to change or supplement any information provided without prior notice.

Emails
In accordance with the E-Commerce Act (E-Commerce-Gesetz, ECG), we would like to point out that any emails sent to us are read only during customary business hours in the banking sector.

Links
Intermarket Bank AG does not check other websites that are directly accessible (through links) from the pages of Intermarket Bank AG in terms of their content or legality. Intermarket Bank AG has no control over the design of such websites and does not endorse any – potentially unlawful – information they contain. Furthermore, Intermarket Bank AG assumes no responsibility or liability for such contents.

Languages
You can communicate with us in the following languages: German and English

Privacy
We treat all personal data in accordance with the Data Protection Act (Datenschutzgesetz, DSG).

Disclosure by Intermarket Bank AG concerning corporate governance and remuneration pursuant to section 65a of the Banking Act (Bankwesengesetz, BWG)

Pursuant to section 65a of the Banking Act, Intermarket Bank AG must disclose on its website the manner and means by which it complies with the following provisions of the Banking Act:

1) Section 5 (1) items 6 to 9a: Qualification requirements for directors

The qualification requirements for directors of Intermarket Bank AG are defined in the internal policy for selecting and assessing the suitability of members of the Management Board (suitability policy) of Intermarket Bank AG. This policy lays down the internal rules for selecting and assessing the suitability of proposed and appointed members of the Management Board in accordance with the relevant legal provisions and is an important standard for good governance and corporate control. The assessment of proposed and appointed members of the Management Board is based on the following criteria: personal reliability, professional qualifications and the required experience as well as governance criteria (potential conflicts of interest, independence, available time, overall composition of the Management Board, diversity).


2) Section 28a (5) items 1 to 5: Qualification requirements for members of the Supervisory Board

The qualification requirements for members of the Supervisory Board of Intermarket Bank AG are defined in the internal policy for selecting and assessing the suitability of members of the Supervisory Board (suitability policy) of Intermarket Bank AG. This policy lays down the internal rules for selecting and assessing the suitability of proposed and appointed members of the Supervisory Board in accordance with the relevant legal provisions and is an important standard for good governance and corporate control. The assessment of proposed and appointed members of the Supervisory Board is based on the following criteria: personal reliability, professional qualifications and the required experience as well as governance criteria (potential conflicts of interest, independence, available time, overall composition of the Supervisory Board, diversity).


3) Section 29: Nomination committee

Intermarket Bank AG has voluntarily appointed a nomination committee as a committee of the Supervisory Board. The responsibilities and workings of the committee are defined in the rules of procedure for the nomination committee of Intermarket Bank AG. Among other things, the nomination committee is responsible for preparing proposals for the selection of members of the Management Board and the Supervisory Board and for assessing their suitability in accordance with the standards mentioned in items 1) and 2).


4) Section 39b and Annex: Principles of remuneration policy

The principles of the remuneration policy of Intermarket Bank AG for both variable and fixed remuneration are defined in a special company policy (hereinafter “remuneration policy”). This policy is reviewed and, if necessary, adapted annually. The remuneration policy must be approved by the nomination committee. The principles are based on statutory requirements, in particular section 39b of the Banking Act (Bankwesengesetz, BWG) and its annex to transpose Directive 2013/36/EU (CRD IV) and the relevant circular of the Financial Market Authority. Additionally, the EBA guidelines on sound remuneration policies (EBA/GL/2015/22) and on remuneration policies and practices related to the sale and provision of retail banking products and services (EBA/GL/2016/06) were also taken into account. The fundamental principles underlying the remuneration policy of Intermarket Bank AG are, for example, a balanced ratio between fixed and variable remuneration components, ensuring risk adequacy and sustainability in remuneration policies, and a transparent link between performance/success and remuneration, taking due account of consumer interests.


5) Section 39c: Remuneration committee

Intermarket Bank has not appointed a remuneration committee. At Intermarket Bank AG, the relevant responsibilities are performed by the Supervisory Board as a whole or by a committee of the Supervisory Board.


6) Section 64 (1) items 18 and 19: Additional information on branches and return on total assets in the notes to the financial statements:

When preparing the financial statements, it is ensured that the additional information required in accordance with the statutory provisions is included in the notes and is thus subject to review by the auditor.

Copyright

All photos of Erste Campus: © Toni Rappersberger