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					Folie 1 / 08.04.2011   NWBU

    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.

Folie 2 / 08.04.2011                                                                        NWBU
  Raiffeisen Zentralbank Österreich AG

Folie 3 / 08.04.2011                     NWBU
         Raiffeisen International - The presence

Folie 4 / 08.04.2011                               NWBU
           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

                                The mission of our Bank
                  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.

Folie 5 / 08.04.2011                                                                     NWBU
  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

Folie 6 / 08.04.2011                                              NWBU
  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
                  Treasury department for all FX and investment banking
Folie 7 / 08.04.2011                                                         NWBU
 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-limited with 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
Folie 8 / 08.04.2011                                                                  NWBU
 Raiffeisen Bank of Albania, Sept. 2006
                             We base our success:

                By tailoring the products at customer’s need

Folie 9 / 08.04.2011                                           NWBU
             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.

Folie 10 / 08.04.2011                                                                                    NWBU
                                            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.
Folie 11 / 08.04.2011                                                                                                 NWBU

  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
   Best Bank in Albania in 2005, 2006, 2007
  The Banker & Trade Finance
   Bank of the Year in 2004, 2005, 2007

Folie 12 / 08.04.2011                                                          NWBU