Presentation of Raiffeisen Bank Albania Corporate Division

1. Presentation of Raiffeisen Bank Albania Corporate Division

2. History The Bank has taken the name from Friedrich Wilhelm Raiffeisen (1818 – 1888). He was a Social Reformer The personal Moto was: “Do not wait any longer – help yourself out” “In group we are stronger” • On 1864 it has founded the Loans financing Banking Associaion • RZB is founded on 1927 as Genossenschaftliche Zentralbank (GZB) and on 1989 took the name Raiffeisen Zentral bank ZB • During all these years of activity, RZB has an organic growth for over 140 vjet without facing any failure.

3. Raiffeisen Zentralbank Österreich AG

4. Raiffeisen International - The presence

5. Raiffeisen Bank of Albania The vision of our Bank Improve Albania by raising banking standards and making a difference to our customers’ lives through the provision of the best products and high quality customer service We seek long-term customer relationships. As a member of the RZB Group, we cooperate closely with Raiffeisen Zentralbank and the other members of the Austrian Raiffeisen Banking Group. We achieve sustainable and above-average return on equity. We empower our employees to be entrepreneurial, to show initiative and we foster their development. The mission of our Bank

6. Raiffeisen Bank of Albania What have we achieved and overall growth • Total assets: EUR 2 mln • Net Profit EUR 40 mln • RoE 34% • Total loans: EUR 653 mln • Corporate Loans reached EUR 342 mln • Total deposits: EUR 1,66 bln • Number of Employees 1,300 • Number of Branches 102 • ATM 181 • POS 1030

7. Raiffeisen Bank of Albania, Sept. 2006 Main departments of the bank supporting the business • Corporate Customers • Companies with turnover EUR 5Mio and over • SE (Small Enterprises) • Companies with turnover from EUR 1Mio to EUR 5Mio • Mircro • Companies with turnover less then EUR 1Mio • PI (private individuals) • Consumer loan department • Mortgage department • Products development department • VIP • Treasury department for all FX and investment banking

8. Raiffeisen Bank of Albania, Sept. 2006 Banking products • Project Finance • Medium Term Loans; • Working Capital; • Multi Purpose Lines – ODs, B/G and L/Cs • Multicurrency financing lines • Financing limit: EUR 28,5 mln from RBAL, un-limitedwith RZB • Consolidated Payment Collection • Cash pick up • FOREX • Subcontractors’ Financing – SEs • M-Cash + combined with all Utility and Tax Payments • Salary Payment – Private Sector • PI – loans (Mortgage + Vehicle + Consumables) • Leasing • Pension fund

9. Raiffeisen Bank of Albania, Sept. 2006 We base our success: By tailoring the products at customer’s need

10. Raiffeisen Leasing Albania • Raiffeisen Leasing Sh.a was established in April 2006 with shareholders Raiffeisen Bank Sh.a holding 75% of its shares and Raiffeisen Leasing International GmbH having the remaining 25% of the shares. • During these four years of activity, leasing faced a considerable growth by occupying 50% of the market and is the absolute Leader in this segment as well and beating two competitors Tirana Leasing (since 2004) and Landeslease (since end 2006) • In the strategy, but as well in the real activity of Raiffeisen Leasing Sh.a, are included lease financing for products , starting from personal cars, light commercial vehicles, trucks and heavy machinery and equipment for construction industry to different technological lines. All these leasing products are offered to business segments such as Corporate and SME, whilst private individuals mainly use personal cars. • The mission of Raiffeisen Leasing is to become a leader in the leasing market in Albania by offering a full range of leasing products, fully satisfying the customers needs and contributing in development of the Albanian economy through financing of new and contemporary technology, machinery and equipment. • Amongst the most important achievements has been the establishment of strategic partner relationships with local and international dealers and vendors. During the year 2007, Raiffeisen Leasing Sh.a. has undertaken an intensive marketing campaign, mainly coordinated with policies and marketing activities of local car dealers as the prior business partners.

11. Pension Fund in Albania The voluntary private pension fund companies: In Albania, the first private pension funds were licensed in 2005. The government of Albania is the one of the last governments in Eastern Europe to license private pension fund companies and to provide incentives for this type of a financial service institution. Through this pension scheme, an individual can contribute voluntarily a certain amount of ALL in order to obtain at retirement a lump sum or annuity payments. Each individual has its own account and this account is inheritable or transferable. Raiffeisen Pensions enables any one to supplement the mandatory state pension with a voluntary one. Any one can participate in the scheme by contributing periodically and on voluntary basis a desired amount of money. At the time of retirement, the pensioner can obtain his savings and interest earned from their investment in the pensions fund in the form of a lump sum or annuity. Each contributor will have an individual account at Raiffeisen Pensions which will reflect the amount of contributions plus the interest earned. Each individual can name a beneficiary or a special person designated to inherit his/her account.

12. AWARDS Finance Central Europe • The Best Bank in Albania in 2004, 2005, 2006 • The Best Bank in Albania - By Gross Profit in 2004, 2005, 2006, 2007 • The Best Bank in Albania - By Assets Strength in 2004, 2005, 2006, 2007 • The Best Bank in Albania - By Capital Strength in 2004, 2005, 2006, 2007 • The Best Bank in Albania - By ROE in 2004, 2006, 2007 • Best bank in South East Europe – By ROE in 2006, 2007 Global Finance • Best Bank Award in 2005, 2006, 2007, 2008 Euromoney • Best Bank in Albania in 2005, 2006, 2007 The Banker & Trade Finance • Bank of the Year in 2004, 2005, 2007