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Raiffeisenbank started to issue Malina credit cards.

November, the 22nd, 2006 ZAORaiffeisenbank Austria started to issue credit cards VISA MALINA - Raiffeisenbank. Service tariffs and issue terms of credit card MALINA-Raiffeisenbank Visa correspond with the standard tariffs of servicing Raiffeisenbank credit cards. Interest-free grace periodup to 50 days from the date of purchasing via the card is granted to the holders of credit card MALINA-Raiffeisenbank Visa.

On the one hand, the issue of credit cards MALINA-Raiffeisenbank Visa is a result of our cooperation with OOO Loyalty Partners Vostok and Visa International; on the other hand, it is only a starting point of fruitful and promising implementation of the loyalty program the leader on Russias market, Member of Raiffaisen Board, Head of the front office for contacts with natural persons Roman Vorobiev pointed out. We hope that our clients will make good use of this really interesting offer.

In October, 2006, Raiffeisenbank joined the savings program MALINA. The joint credit card of OOO Loyalty Partners Vostok, ZAO Raiffeisenbank Austria and Visa International gives the participants of the MALINA program a unique opportunity to perform banking operations via credit card MALINA-Raiffeisenbank out of the banks funds (on credit) within the framework of the loan limit: to pay for goods and services, to pay for services via Raiffeisenbank cash dispensers, to purchase via the Internet and to accumulate points within the framework of the MALINA program. Each spent 200 rubles bring 20 points.

The following companies are partners of the program MALINA: supermarkets Ramstor, mobile communication company Beeline, drugstores 36.6, refueling complexes , Rosinter restaurants (Il Patio, Planet Sushi, TGI Fridays, American bar and grill, Cafe Moka Loka, Cafe 123, Benihana, Santa Fe, Cafe des Artistes).

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 2,700 branches render services to 11 mio. clients. 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.


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