Article: A hare and tortoise story.

Byline: Edward Russell-Walling

As the hares - well, those hares that survive - lick their wounds, this is the day of the tortoise. No one is suggesting that Austria's Raiffeisen Zentralbank (RZB) is a plodder but, in the scheme of things gone by, its business model is definitely conservative. When it asked shareholders for more capital recently, this was no knee-jerk response to an emergency but simply the final step in a three-year plan.

"When we announced the rights issue, some people said 'RZB must need capital'," says Patrick Butler, member of the board at RZB. "In fact, it was the third and final tranche of a programme that had to be voted on each ...

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