1. Raiffeisenlandesbank Niederösterreich-Wien Company Presentation Vienna, 2010

2. 2 Company Presentation IGE_2010  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 Content

3. 3 Company Presentation IGE_2010 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 (2009 e ), 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

4. 4 Company Presentation IGE_2010 Raiffeisen in Austria – History & Philosophy  Raiffeisen Banking Group was founded 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 RLB Niederösterreich-Wien (founded in 1898) at provincial level and RZB in 1927 at federal level 1)  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

5. 5 Company Presentation IGE_2010 Today, the Raiffeisen Banking Group is the most important financial service provider in Austria  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  Total assets: 265.3 bn EUR  Total Equity: 20.5 bn EUR  4 mn customers  560 banks  2,310 domestic outlets Total Assets [EUR bn] 1) Market share of Raiffeisen by Product 6/2009 [%] Key Data 1) (2008) Group Participations 1) Legally not consolidated Source: Austrian Central Bank, Specialized Raiffeisen companies not included

6. 6 Company Presentation IGE_2010 Overview over the Austrian Banking Market 1)Legally not consolidated2) incl. Independent Savings Banks 3)incl. Investkredit 4) largest shareholder of RZB-Group * IFRS ** Austrian Accounting Standards Source: Annual Reports, Bankscope, January 2010 Raiffeisen Banking Group 1) Unicredit Bank Austria Group Erste Bank Group 2) RZB Group OeVAG Group 3) Bawag/PSK Hypo Group Alpe Adria RLB Oberösterreich RLB Niederösterreich-Wien 4) Oberbank Hypo Tirol Bank 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 Rating [Moody's] A1 Aa3 A1 Baa1 Baa2 Aa3 not rated Aa1 Total Net Profit * [EUR mn/1H2009] 833 492 168 -139 13.3 -24** 115 90 38 14

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

8. 8 Company Presentation IGE_2010 Raiffeisen in Lower Austria/Vienna – Ownership structure 77 Raiffeisen Banks in Lower Austria Others (e.g. Commodity Organisations) Raiffeisen-Holding Niederösterreich-Wien reg.Gen.m.b.H. 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 21.5% 71%29% 78.5%

9. 9 Company Presentation IGE_2010 RLB NW: Key Financials and data  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 Key data 2008 27,533 213.4 29.2 1,920 1.5 % 0.12 % 12.0 % 9.1 % 43.4 % 1,232 2007 19,549 357.1 303.6 1,897 17.1 % 1.69 % 11.4 % 7.5 % 30.7 % 1,189 1) At Equity consolidation of RZB Group (31,3%) 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 20072008 Austrian Accounting Standards IFRS ¹ 2009/HY 30,041 102.2 90.3 2,028 8.3 % 0.59 % 11.4 % 8.6 % 44.0 % 1,238 2009 exp 29,657 211.2 124.0 1,277 10.0% 0.5 % 12.4% 9.0% 45% 1,250

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

11. 11 Company Presentation IGE_2010 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 participations in –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

12. 12 Company Presentation IGE_2010 RLB NW's strategy towards international business outside of the Centrope Region  To support our clients in their international business in –documentary business, –trade and export finance and –international payments  To cooperate with partner banks in their local markets –direct L/C and trade finance –syndications/club loans

13. 13 Company Presentation IGE_2010 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, ManagerExt. 93544 Corporates Sigrid Regner, Head of International Corporates Ext. 92214 Martin Mayerhofer, Manager Ext. 92859 Radoslav Poljasevic, Manager Ext. 92353 Marlene Rammerstorfer, ManagerExt. 92358 Silvia Zahradnik, Manager Ext. 92481 L/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 DivisionExt. 92477 Asset/Liability-Management Jochen Bonk, Head of Department Ext. 95495 Christian Stangl, MM & DerivativesExt. 92752 FX & Securities 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

14. 14 Company Presentation IGE_2010 RLB NW is organized in five business lines BOARD DIVISION  Treasury/T. Geissler –FX & Securities Sales/ D. Völlger –Funding & Liquidity Steering/M. Handl –Asset/Liability Management/J. Bonk –Treasury Consulting/ C. Tunkl  Investment Products/ R. Reitter  Financial Markets Consulting Raiffeisen Banks/W. Serles Financial Markets G. Rehor Raiffeisen Banks/Manage- ment-Service Chairman E. Hameseder  Raiffeisen Banks-Service/ J. Bernsteiner  Marketing/W. Hanreich  Internal Audit/J. Piewald  Human Resources/ N. Wendelin  Participations/ K. Miesenböck  Public Relations/P. Wesely Corporate Banking R. Karl  Corporate Banking Vienna/ M. Rammel  Corporate Banking Lower Austria/H. Kalenda  Project Finance/G. Riedel  International Division/ F. Mayr –International Finance & Correspondent Banking/ F. Mayr –Documentary Business & Trade Fin./I. Kammerhofer –Export & FDI Finance/ A. Götsch  Back Office Loans/ G. Hoffelner  Centrope/A. Hopf  Legal Affairs/M. Writze –Compliance Officer/ T. Heinrich  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 Retail Banking G. Kraft-Kinz Risk Management/ Organisation W. Rab  Accounting & Controlling/ R. Großebner –Accounting/ B. Martetschlaeger –Controlling/F. Urbanek –Treasury Services/ M. Szakusits  Credit Risk Management/ H. Donath  Cash Management/J. Friedl –Payments Consulting/ J. Deutenhauser –Product Development and Systems/G. Schestauber  Organization/IT/M. Wollner  Treasury Mid-Office/ R. Vartok  Enterprise Risk Management/O. Schmölzer

15. 15 Company Presentation IGE_2010 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 International Corporate ClientsFinancial Institutions & Correspondent Banking Roswitha Amon AssistantExt 92216 roswitha.amon@raiffeisenbank.at Samantha Sankholkar Senior Manager, Focus: CIS & AsiaExt 92274 samantha.sankholkar@raiffeisenbank.at Nadja Watti Senior Manager Focus: MENA, Central & Western EuropeExt 92426 nadja.watti@raiffeisenbank.at Christiane Tauschitz Manager Financial Institutions christiane.tauschitz@raiffeisenbank.atExt 93544 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 Martin Mayerhofer Manager, International Corporates ClientsExt 92859 martin.mayerhofer@raiffeisenbank.at Radoslav Poljasevic Manager, International Corporates ClientsExt 92353 radoslav.poljasevic@raiffeisenbank.at Marlene Rammerstorfer Manager, International Corporates ClientsExt 92358 marlene.rammerstorfer@raiffeisenbank.at Irene Buchberger-Vilanek AssistantExt 92853 irene.buchberger-vilanek@raiffeisenbank.at Silvia Zahradnik Manager, International Corporates ClientsExt 92481 silvia.zahradnik@raiffeisenbank.at

16. 16 Company Presentation IGE_2010 Disclaimer This presentation is aimed to give correspondent banks a first overview on Raiffeisenlandesbank Niederoesterreich-Wien (RLB NW) and the Raiffeisen Banking Group Austria. The information contained herein has been prepared from publicly available information or sources that RLB NW believes as reliable. RLB NW however accepts no liability or responsibility for the truth, accuracy, adequacy, completeness of and makes no representation, warranty or undertaking (expressed or implicitly) with respect to the information contained in this presentation