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ZAO Raiffeisenbank — the general acquirer of the project of OAO Megafon to take Internet payments from bankcards over the Internet.

OAO Megafon is offering its subscribers; residents of the Moscow and North-Western regions, the opportunity to top up their accounts via the site Megafon-Moskva and Megafon Severo-Zapad using their Visa and MasterCard banking cards. ZAO Raiffeisenbank will process these payments.  

The payment will be made in real-time; money is put onto the customer account almost immediately. A commission for the payment from the subscriber is not taken. The smallest possible payment is 10 rubles, and the largest is 1,000 rubles in any one transaction. 

ZAO Raiffeisenbank has operated in electronic commerce since 2001. The payment gateway of Raiffeisenbank is a universal payment system which enables international payment card transactions to be processed in real time via the Internet. The gateway is integrated with the identity verification system 3-D Secure/ Secure Code. The information security of the hardware and software system of the gateway is secured by certificated means of cryptoprotection.

ZAO Raiffeisenbank is a subsidiary of Raiffeisen International Bank-Holding AG. Raiffeisenbank is the largest foreign-owned bank in Russia, ranking 7th in terms of assets among top Russian banks based on 1H 2008 results (Interfax-CEA). According to Interfax-CEA, ZAO Raiffeisenbank ranked 5th in Russia in terms of private deposits and 6th in consumer lending in Russia based on 1H 2008 results.

On 24th September, Raiffeisenbank completed the placing of its additional share issue with a total nominal value of 14.8 billion rubles. The registered capital of the bank increased by 68% and is now at 36.7 billion rubles. The net profit of Raiffeisenbank according to the results of the third quarter of 2008 was 8.5 billion rubles (according to the RAS).

Raiffeisen International operates one of the largest banking networks in CEE. 17 markets of Europe's growth region are covered by subsidiary banks, finance leasing companies and a number of other financial service providers. Over 14.4 million customers are attended to through more than 3,000 business outlets. Raiffeisen International is a fully consolidated subsidiary of Raiffeisen Zentralbank Osterreich AG (RZB), which owns 68.5 per cent of the common stock. The balance is free float, the shares are traded on the Vienna Stock Exchange. RZB is a leading corporate and investment bank in Austria and the central institution of the Austrian Raiffeisen Banking Group, the country's largest banking group.


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