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The Call Centers of Impexbank and Raiffeisenbank merged.

December, the 2nd, 2006 the Call Centers of OAO Impexbank ZAORaiffeisenbank Austria were merged.

Taking into account rapid development of Impexbank and Raiffeisen andthe dynamics of the client base growth it is vitally important topromptly create a regular basis for further support of clients on thepart of the banks. For this very reason the joint Call Center functionsby means of the joint technological base, which was developed with theuse of cutting edge technologies and performs the function of callrouting in view of rather high clients activity. The new platform for the united bank has been introduced recently in the run-up to the merger of two Call Centers.

We believe that at the present stage of the merger process the merger of call centers is one of the most significant steps for the clients, Chairman of the Raiffeisenbank Board Johann Jonach pointed out. The Call Center of Impexbank has been on the market for a long time, its experience is invaluable for the joint call center. We are convinced that our consolidated knowledge and skills will enable the joint call center to retain its position of one of the best call centers on the market*. We believe that the joint center will become anavailable and convenient service and information center for our clients.

The Call Center of ZAORaiffeisenbank Austria exists more than 6 years; it is one of the largest call centers in the Raiffeisen Group. The Call Center of Raiffeisenbank considers and processes over 200,000 clients calls every month. The Call Center offers the present and potential Banks clients in Moscow and regions three types of services: 24-hour support of plastic card holders, information support of private clients and credit card holders.

The Call Center of Impexbank has been functioning since 2001; nowadaysit processes over 70,000 clients calls. The Call Center renders the following types of services to the clients from Moscow, the Moscow Region and 45 Banks branches in regions: information support, distant sales to Banks present clients, considering bad assets within the framework of retail lending programs.

ZAORaiffeisenbank Austria occupies the 9th position among Russias major banks in terms of the amount of assets according to the outcomes of the 3rd quarter of 2006 (The Center for Economic Analysis, Interfax). Nowadays, the Bank has 20 branches in Moscow, 5 branches in St.Petersburg, regional branches in Ekaterinburg, Samara, Novosibirsk, Chelyabinsk, Nizhny Novgorod, Krasnodar, Krasnoyarsk and Perm. Raiffeisenbank occupies the 9th position in terms of the amount of the corporate loan portfolio according to the outcomes of the 3rd quarterof 2006 (The Center for Economic Analysis, Interfax). Among Russias leading retail banks Raiffeisen occupies the 8th position in terms of the amount of credits for private persons and the 8th position in terms of private deposits according to the outcomes of the 3rd quarter of 2006 (The Center for Economic Analysis, Interfax).

ZAORaiffeisenbank Austria is an affiliate company of Raiffeisen International Bank Holding AG (Raiffeisen International); the Holding manages bank affiliates and affiliated leasing companies on 16 markets in Central and Eastern Europe. Over 2,775 branches render services to11.7 mio. clients. Representative offices in Lithuania and Moldova expand the presence of the Group in the region. Raiffeisen International is a completely consolidated affiliate company of Raiffeisen Zentralbank Austria AG (RZB) owning 70 percent of Holdings common capital stock, the remaining 30 percent are in free circulation and traded on the Vienna Stock Exchange. Being the lead bank of the Raiffeisen Group, the largest banking group of Austria, RZB is the leading corporate and investment bank and the leading bank of Austria.

IMPEXBANK was founded in 1993, nowadays it is a universal commercialbank, it is rated among thirty Russias major banks in terms of the amount of assets and capital, and among ten retail banks; it takes part in the state deposit insurance system.

IMPEXBANK has a branched sales network including 45 regional affiliatesrendering a full spectrum of services, 26 branches and 30 mini-officesin Moscow, 40 subsidiary offices in regions, about 400 consumer lendingoutlets and 500 cash dispensers.

In April, 2006 IMPEXBANK became an affiliated company of RaiffeisenInternational Bank Holding AG, which manages 16 bank affiliates andaffiliated leasing companies in Central and Eastern Europe.

* - In September, 2006 Raiffeisenbank occupied the 1st position in therating of call centers by the banking portal FinNews together with thenetwork of directory inquiry services"089" in St. Petersburg.


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