Possibilities of Financing of Czech - Turkish Export Contracts Mr. Martin Maar Head of Trade and Export Finance 14 th and 15 th January 2015 Ankara, Istanbul Raiffeisenbank, a.s. Prague Czech Republic, Europe

Raiffeisen Bank International AG (RBI)  Selected key figures Customers: 14.5 million Business outlets: 3,000 Employees: > 56,000 Average profit before tax ( ): > € 1.1 billion Average profit after tax ( ): € 850 million Market capitalisation: € 7.1 billion 2  A leading corporate and investment bank for Austria‘s Top 1,000 companies and for Western European commercial customers  A leading universal bank in CEE with the largest network of any Western banking group  International rating: Moody‘s Long-term: A2 Short-term: P-1 Financial strength D+ S & P Long-term: A Short-term: A-1  Home market Austria and Central and Eastern Europe (CEE)  Further focus on Asia  Listed on the Vienna Stock Exchange ~ ~ ~ ~

Raiffeisen Bank International AG Network in Europe North America -USA Western Europe -France -Germany -Austria -Sweden -United Kingdom Central Europe - Czech Republic -Hungary -Poland -Slovakia -Slovenia South-Eastern Europe -Albania -Bosna and Herzegovina -Bulgaria -Croatia -Kosovo -Romania -Serbia CIS - Belarus -Kazakhstan -Moldova -Russia -Ukraine 3 Asia - China - Hong Kong - South Korea - Singapore - Vietnam - Malaysia - India

Raiffeisen Bank International AG Abroad International ECA Cooperation Finalized Transactions with International ECAs 4

Czech Republic – Country Profile Population: 10.5 mil. in 2013 Land Area: 78,866 sq. km. Capital city: Prague GDP per capita (PPP): 26,300 in 2013 Rating Agency Rating LT – local CCY Rating LT – foreign CCY Outlook Moody´sA1 stable S&PA A A -stable FitchA A -A+stable 5 International rating of the country

Raiffeisenbank a.s., Czech Republic – Overview  Established in 1993  Universal bank  5th largest bank in the country according the asset size  Total Assets: billion USD (end 2013)  Own Funds Ratio: 15.2% (end 2013)  Tier 1 Ratio – Basel II: 10.9% (end 2013)  2,700 staff members (end 2013)  6 large corporate teams, 17 corporate centers and 125 retail branch offices in the Czech Republic  2008 merger of E - banka, Head Office moved to new address  2011 – introduction of Friedrich Wilhelm Raiffeisen – new private banking service brand  June 2012 increase of share capital by CZK 1,846 bn up to CZK 9,357 bn  May 2013 increase of share capital by CZK 835,4 mio  April 2013 – license gained for new 100% subsidiary Raiffeisen Investment Company Recent history: 6

Raiffeisenbank a.s., Czech Republic Products for Expoters / Importers:  International payments in USD, EUR  Documentary payments (letters of credit, documentary collections, discouting, forfaiting)  Issuance of bank guarantees (bid bonds, advance payment guarantees, performance bonds, warranty bonds)  Export financing – buyer’s credits (with Czech ECA „EGAP“insurance)  Pre-export financing of production cycle (with/without ECA insurance)  Financing of investments by Czech entities abroad  Purchase of receivables  Currency conversions and hedging against foreign exchange and interest rates risks  Factoring 7

Raiffeisenbank a.s., Czech Republic Other Products Related to L/C Raiffeisenbank offers processing of following products related to export L/C:  Post-financing - can be provided to the issuing bank in case of sight letter of credit, tenor is ussually one year, max. 2 years  Forfaiting - a purchase of a receivable under a letter of credit with deferred payment without recourse Raiffeisenbank offers processing of following products related to import L/C:  Import financing  credit offered to buyer in case of sight letter of credit payable after sale of goods  discount of receivable paid to beneficiary for LC with deferred payment 8

Raiffeisenbank, Czech Republic Financing of Exports with ECA Cover Products offered:  Buyer's credit (key product for exports of capital goods financing)  Supplier's credit (refinancing or purchase of receivables)  Loans supporting foreign investment of Czech companies abroad  Purchase of short-term receivables  Factoring Branches of industry preferably supported by RBCZ  Engineering products (export of technologies)  Transportation equipment  Energy and power  Mining  Infrastructure  Other industries (by examining a specific transaction) Not supported:  Nuclear energy  Defence industry 9

Export Buyer’s Credit (with Czech ECA Cover) for Turkish Importer 10  Used for imports of goods (e.g. technology) or services from Czech Rep. to Turkey.  Denominated in USD or EUR.  Down-payment of 15% of the contract value and long-term export credit of 85% of the contract value.  Long tenor or period of repayment of the export credit (3 years and longer).  Usually semiannual repayments.  Attractive pricing: up to 4 or 5 % p.a. all-in (incl. EGAP insurance premium when re-calculated on „per annum“ basis).  Loan Agreement in English  Loan is insured by the Czech Export Credit Agency „EGAP“  Collateral or local bank guarantee may be required.  Financial statements of the importer (debtor) in past 3 years may be required for analysis.

Buyer’s Credit 11 EXPORTER in the Czech Republic IMPORTER in Turkey Raiffeisenbank in the Czech Republic EGAP

Raiffeisenbank a.s., Czech Republic Contacts  Capital Market Sales & FI Coverage Mr. Pavel Krivonozka ph:  Financial InstitutionsMr. Vit Cermakph:  FX Trading Mr. Ivo Prokopph:  M & A Advisory Mr. Marek Tichy ph:  Trade and Export FinanceMr. Milos Vecera ph:  Documentary PaymentsMs Sona Truchlikovaph  Export Finance Mr. Martin Maarph:  Bank GuaranteesMs Olga Kokesovaph:  Corporate BankingMs Barbara Tutass ph  Capital Market Sales & FI Coverage Mr. Pavel Krivonozka ph:  Financial InstitutionsMr. Vit Cermakph:  FX Trading Mr. Ivo Prokopph:  M & A Advisory Mr. Marek Tichy ph:  Trade and Export FinanceMr. Milos Vecera ph:  Documentary PaymentsMs Sona Truchlikovaph  Export Finance Mr. Martin Maarph:  Bank GuaranteesMs Olga Kokesovaph:  Corporate BankingMs Barbara Tutass ph

A Selection of Recent Awards to RBI Global Finance, Best Bank in Austria (continously since 3 years) EMEA Finance, Best Bank in Austria (2013) The Banker, Bank of the Year in Austria (2012) Euromoney, Best Bank in Austria (2009) Euromoney, Best Bank in Central and Eastern Europe (continously since 9 years) Global Finance, Best Bank in Central & Eastern Europe (continously since 8 years) EMEA Finance, Best Bank in CEE & CIS region (2013) The Banker, Bank of the Year in CEE (2013) In addition, several network banks within RBI Group network have been awarded numerous local „Best Bank“ and other prestigious awards by local and international publications 13

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