Raiffeisenlandesbank Niederösterreich-Wien

1. Raiffeisenlandesbank Niederösterreich-Wien Company PresentationVienna, 2010

2. Content • Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) at a first glance • To understand our background: Introduction of the Raiffeisen Banking Group • Strategy, Key Facts and Results • Centrope and International Activities • Contacts Company Presentation IGE_2010

3. Raiffeisenlandesbank Niederösterreich-Wien (RLB NW) • RLB NW was founded in 1898 by Lower Austria's cooperative Raiffeisen banks • RLB NW, with a balance sheet total of ~ 30.0 bn EUR (2009e), is among the Top 8 Austrian banks in terms of total assets • As a universal bank, RLB focuses on retail, SME and middle market, corporate, treasury and international • RLB NW is a Aa3 rated regional bank covering the provinces of Lower Austria and Vienna which account for approximately half of the country's bankable population • In addition, RLB NW has expanded into the Centrope Region (now part of RLB's company vision) where it co-owns the Raiffeisenbanks in Slovakia, Czech Republic and Hungary • With its 31.3 % shareholding in RZB, RLB NW is a very important driver of the Austrian Raiffeisen Banking Group – the largest banking group in the country Company Presentation IGE_2010

4. Raiffeisen in Austria – History & Philosophy • Raiffeisen Banking Group wasfounded by F. W. Raiffeisen (1818-1888), one of the most important social reformers in the 19th century • The original goal was to provide basic banking services to the rural population based on cooperative principles • Only ten years after foundation of the first Raiffeisenkasse (Lower Austria) in 1886, 600 banks were operating according to the Raiffeisen system • Those local cooperatives formed Raiffeisen Regional Banks like RLBNiederösterreich-Wien (founded in 1898) at provincial level and RZB in 1927 at federal level1) • The Raiffeisen idea has proven to be timeless: Raiffeisen is still a politically neutral and financially independent banking sector within Austria • The unique trade mark is the so-called "gable cross" – a symbol of protection and cooperation • F.W. Raiffeisen • The "Gable Cross" 1) See also "Three tier strucure" of Austrian Raiffeisen Banking Group Company Presentation IGE_2010

5. Today, the Raiffeisen Banking Group is the most important financial service provider in Austria Total Assets [EUR bn]1) Key Data1) (2008) • Total assets: 265.3 bn EUR • Total Equity: 20.5 bn EUR • 4 mn customers • 560 banks • 2,310 domestic branches • Domestic market share of approx. 25% • 4 mn customers, 2 mn members, 31,000 employees served in 560 banks with 1,750 branches • Approx. 78 bn EUR domestic customer deposits (6/2009) and 49 bn EUR domestic savings deposits • Highest safety net – 100% of all deposits insured • Fully integrated financial service & IT provider • Market share of Raiffeisen • by Product 6/2009 [%] • Group Participations 1) Legally not consolidated Source: Austrian Central Bank, Specialized Raiffeisen companies not included Company Presentation IGE_2010

6. Overview over the Austrian Banking Market • Rating • [Moody's] • A1 • Aa3 • A1 • Baa1 • Baa1 • Baa2 • Aa3 • Aa3 • not rated • Aa1 • Total Net Profit * • [EUR mn/1H2009] • 833 • 492 • 168 • -139 • 13.3 • -24** • 115 • 90 • 38 • 14 • Total Assets • [EUR bn/2008] • 265.3 • 215.2 • 201.4 • 156.9 • 52.9 • 45.4 • 43.3 • 32.9 • 27.5 • 15.3 • 13.1 • Raiffeisen Banking Group1) • Unicredit Bank Austria Group • Erste Bank Group2) • RZB Group • OeVAG Group3) • Bawag/PSK • Hypo Group Alpe Adria • RLB Oberösterreich • RLB Niederösterreich-Wien4) • Oberbank • Hypo Tirol Bank • Legally not consolidated 2) incl. Independent Savings Banks • incl. Investkredit 4) largest shareholder of RZB-Group • * IFRS ** Austrian Accounting Standards Source: Annual Reports, Bankscope, January 2010 Company Presentation IGE_2010

7. The bottom-up ownership pyramid of the Raiffeisen sector in Austria – RLB NW is RZB’s largest shareholder (31.3%) • ~ 2 Mio. Cooperative Members in Austria • ~560 Raiffeisen Banks ~1.750 Branches1) • Focus: retail and small companies • 8 Raiffeisen Regional Banks own 88% of RZB‘s share capital • Raiffeisenlandesbank Niederösterreich-Wien is RZB‘s largest shareholder (31.3%) • 8 Raiffeisen Regional Banks (= Raiffeisenlandesbanken) • Focus of RZB: Top 1,000 corporates in Austria, investment bankingand internatl. 70% owner of Raiffeisen International • RZB • Focus of Raiffeisen International: Universal Banks – 14.7 Mio. customers in CEE & CIS 1) 44% of all Austrian banking outlets Company Presentation IGE_2010

8. Raiffeisen in Lower Austria/Vienna – Ownership structure 77 Raiffeisen Banks in Lower Austria Others (e.g. Commodity Organisations) 71% 29% Raiffeisen-Holding Niederösterreich-Wien reg.Gen.m.b.H. 21.5% 78.5% Raiffeisenlandesbank Niederösterreich-Wien AG (RLB NW) Bank participations: RZB (31.3%) Raiffeisen Bank CZ (24.0%) Raiffeisen Bank HU (16.2%) Tatra Banka SK (12.6%) Non-Bank participations Company Presentation IGE_2010

9. Expected 2009 RLB Group IFRS results: Total Assts: 31.7 bn EUR Total Equity: 2.02 bn EUR Net Profit: 176 mn EUR RLB NW: Key Financials and data IFRS¹ Austrian Accounting Standards Key data 2009exp 2009/HY 2007 2008 2007 2008 18,251 191.1 135.8 806 17.6 % 0.8 % 11.3% 7.4% 45 % 1,189 25,238 228.7 107.6 1,211 10.7 % 0.5 % 11.8 % 8.9% 42% 1,232 19,549 357.1 303.6 1,897 17.1 % 1.69 % 11.4 % 7.5 % 30.7 % 1,189 30,041 102.2 90.3 2,028 8.3 % 0.59 % 11.4 % 8.6 % 44.0 % 1,238 • Total assets in mn EUR • Operating Profit in mn EUR • Profit after tax in mn EUR • Total Equity in mn EUR • Return on Equity (A/T) • Return on Assets • BIS Ratio (CAR) • Tier 1 Ratio • Cost-Income-Ratio • Employees 29,657 211.2 124.0 1,277 10.0% 0.5 % 12.4% 9.0% 45% 1,250 27,533 213.4 29.2 1,920 1.5 % 0.12 % 12.0 % 9.1 % 43.4 % 1,232 1) At Equity consolidation of RZB Group (31,3%) Company Presentation IGE_2010

10. The Lower Austrian Raiffeisenbanks are dominating their local banking market Key data (IFRS) 2006 2007 2008 15.7 142.5 35.5 14.8 % 70.6 % 3,553 ~ 39 % • Total Assets in bn EUR • Operating Profit in mn EUR • Profit after tax in mn EUR • BIS ratio • Cost-Income-Ratio • Employees • Market Share 14.8 136.3 43.6 14.5 % 70.8 % 3,498 ~ 39 % 17.6 155.1 44.1 14.0 % 69.4 % 3,591 ~ 40 % Company Presentation IGE_2010

11. The "Centrope-Region" is a strategic region of RLB NW • 6 mn. inhabitants (core region), 29 mn inhabitants and important economic centers • Close connections with Austrian economy • Direct participationsin • Raiffeisen Bank, Czech Republic (24.0%) • Tatra Banka, Slovakia (12.6%) • Raiffeisen Bank, Hungary (16.2%) • Dedicated International Desk established • Specific Initiatives to support clients in the Centrope Region • Joint offices with Ecoplus in Prague, Bratislava, Budapest and Warsaw • Centropa Regional Fund • Twin City Liner Bratislava-Vienna • RLB NW‘s business policy focussing on project finance and joint initiatives with subsidiary banks Company Presentation IGE_2010

12. RLB NW's strategy towards international business outside of the Centrope Region • To support our clients in their internationalbusinessin • documentarybusiness, • trade and exportfinance and • internationalpayments • To cooperate with partnerbanksin their localmarkets • direct L/C and tradefinance • syndications/club loans Company Presentation IGE_2010

13. Raiffeisenlandesbank Niederösterreich-Wien –Contacts for International Banks at a glance Website:www.raiffeisenbank.at Email: firstname.lastname@raiffeisenbank.at Tel: +43-5-1700 + Ext. Visiting Address:Friedrich-W.-Raiffeisen-Platz 1, A-1020 Vienna SWIFT: RLNWATWW Fax: +43-5-17008 + Ext. INTERNATIONAL DIVISION Felix Mayr, Head of Division Ext. 92228 Financial Institutions Ivica Bozan, Head of Financial Institutions Ext. 92495 Samantha Sankholkar, Senior Manager Ext. 92274 Nadja Watti, Senior Manager Ext. 92426 Christiane Tauschitz, Manager Ext. 93544 Corporates Sigrid Regner, Head of International Corporates Ext. 92214 Martin Mayerhofer, Manager Ext. 92859 Radoslav Poljasevic, Manager Ext. 92353 Marlene Rammerstorfer, Manager Ext. 92358 Silvia Zahradnik, Manager Ext. 92481L/C, Guarantees and Trade Finance Irene Kammerhofer, Head of Department Ext. 92157 Export Finance & FDI Finance Alfred Götsch, Head of Department Ext. 92359 Peter Förster, Senior Manager Ext. 92249 Country & Bank Analysis Julia Muhr, Head of Country & Bank Analysis Ext. 92957 Kerstin Kader, Manager Ext. 92262 TREASURY DIVISION Tim Geissler, Head of Division Ext. 92477 Asset/Liability-Management Jochen Bonk, Head of Department Ext. 95495 Christian Stangl, MM & Derivatives Ext. 92752 Bondtrading, FX-Trading and Sales Detlef Völlger, Head of Department Ext. 95440 Treasury Consulting Christian Tunkl, Head of Department Ext. 95448 Funding & Liquidity Steering Michael Handl, Head of Department Ext. 95591 CASH MANAGEMENT DIVISION Johann Friedl, Head of Division Ext. 92904 Helene Winter, Senior Manager Ext. 92056 Company Presentation IGE_2010

14. RLB NW is organized in five business lines BOARD DIVISION Retail Banking G. Kraft-Kinz Corporate Banking R. Karl Financial Markets G. Rehor Risk Management/ Organisation W. Rab Raiffeisen Banks/Manage-ment-Service Chairman E. Hameseder • District Office Retail – Vienna/North/I. Blaschka • District Office Retail – Vienna/East/E. Wesel • District Office Retail –Vienna/South/L. Kremser • District Office Retail – Vienna/West/R. Fischer • Private Banking/Ch. Ohswald • Commercial Customers/ G. Giefing • Mobile Sales Team/R. Fischer • Retail Banking Raiff.Employees/A. Toifl • Sales Support Vienna/M. Aschauer • Corporate Banking Vienna/M. Rammel • Corporate Banking Lower Austria/H. Kalenda • ProjectFinance/G. Riedel • InternationalDivision/F. Mayr • International Finance & Correspondent Banking/F. Mayr • Documentary Business & Trade Fin./I. Kammerhofer • Export & FDI Finance/A. Götsch • BackOfficeLoans/G. Hoffelner • Centrope/A. Hopf • LegalAffairs/M. Writze • Compliance Officer/T. Heinrich • Treasury/T. Geissler • FX Trading and Sales/ D. Völlger • Funding & Liquidity Steering/M. Handl • Asset/Liability Management/J. Bonk • Treasury Consulting/C. Tunkl • InvestmentProducts/R. Reitter • FinancialMarketsConsultingRaiffeisenBanks/W. Serles • Accounting&Controlling/R. Großebner • Accounting/B. Martetschlaeger • Controlling/F. Urbanek • Treasury Services/M. Szakusits • CreditRiskManagement/H. Donath • CashManagement/J. Friedl • Payments Consulting/J. Deutenhauser • Product Development and Systems/G. Schestauber • Organization/IT/M. Wollner • TreasuryMid-Office/R. Vartok • EnterpriseRiskManagement/O. Schmölzer • RaiffeisenBanks-Service/J. Bernsteiner • Marketing/W. Hanreich • InternalAudit/J. Piewald • HumanResources/N. Wendelin • Participations/K. Miesenböck • PublicRelations/P. Wesely Company Presentation IGE_2010

15. International Finance & Financial Institutions Felix Mayr Ext 92228 Executive Vice President, Head of International Division & Head of International Finance & Financial Institutions felix.mayr@raiffeisenbank.at Roswitha Amon Assistant Ext 92216 roswitha.amon@raiffeisenbank.at International Corporate Clients Financial Institutions & Correspondent Banking Ivica Bozan Senior Vice President, Head of Financial Institutions ivica.bozan@raiffeisenbank.at Ext 92495 Sigrid Regner Ext 92214 Senior Vice President, Head of Intern. Corporates sigrid.regner@raiffeisenbank.at Samantha Sankholkar Senior Manager, Focus: CIS & Asia Ext 92274 samantha.sankholkar@raiffeisenbank.at Martin Mayerhofer Manager, International Corporates Clients Ext 92859 martin.mayerhofer@raiffeisenbank.at Nadja Watti Senior Manager Focus: MENA, Central & Western Europe Ext 92426 nadja.watti@raiffeisenbank.at Radoslav Poljasevic Manager, International Corporates Clients Ext 92353 radoslav.poljasevic@raiffeisenbank.at Christiane Tauschitz Manager Financial Institutions christiane.tauschitz@raiffeisenbank.at Ext 93544 Marlene Rammerstorfer Manager, International Corporates Clients Ext 92358 marlene.rammerstorfer@raiffeisenbank.at Irene Buchberger-Vilanek Assistant Ext 92853 irene.buchberger-vilanek@raiffeisenbank.at Silvia Zahradnik Manager, International Corporates Clients Ext 92481 silvia.zahradnik@raiffeisenbank.at Company Presentation IGE_2010