Sustainable performance planning versus short-termed pursuit of profit. “VR meine Raiffeisenbank eG” has been a financial partner in the region Altötting and Mühldorf for 120 years. Values are not created from quarter to quarter, but from generation to generation. According to this principle, the annual report 2013 has been compiled. The visual focus is on strong, regional motifs with a very special tonality. The typo, the graphic elements and the basic layout combine sustainable values with future-oriented foresight. High value without pomp and circumstance – that was the concept behind the material selection.