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Raiffeisenbank raises the sum of a consumer loan.

In September, 2006 Raiffeisenbank changed the conditions of consumerloans, increasing the maximum amount of credit up to USD 15,000, EUR1,200, RUR 450,000. The new credit program is valid in all towns whereRaiffeisenbank is present.

The term of credit remains unchanged and can make up from 1 to 3 years.

The Bank suggested its customers a consumer loan in the beginning of 2003, and the program is still popular. Now we see that the market is changing and the customers are willing to get bigger sums of money. At the same time, the customers are willing to get smaller sums of money via credit cards - stated Roman Vorobiev, member of the Managing Board responsible for Consumer Banking.

The share of consumer credits in the general portfolio of credits forprivate individuals is 15% as of the end of August, and RUR 3,6 bln inabsolute figures (non-audited data).

You can find more detailed information about the program on the web siteof Raiffeisenbank in the Consumer Loans section.

CJSCRaiffeisenbank Austria is the 8th largest bank in Russia in terms of assets as of the 2nd quarter of 2006 (EAC Interfax). The Bank has 19 outlets in Moscow, 5 in St. Petersburg, and regional branches in Ekaterinburg, Samara, Novosibirsk, Chelyabinsk, Nizhny Novgorod andKrasnodar. Raiffeisenbank is ranked 6th among the leading retail Russian banks in terms of volume of private loans, and 7th in terms of volume of private deposits, according to the data based on the results of the 2nd quarter of 2006 ( Interfax Economic Analysis Centre).

CJSCRaiffeisenbank Austria is an affiliate of Raiffeisen International Bank-Holding AG (Raiffeisen International), a holding company, controlling subsidiary banks and leasing companies in 16 markets in Central and Eastern Europe. The Bank serves 11 million clients at morethan 2700 business outlets. Raiffeisen International is a fully consolidated subsidiary company of Raiffeisen Zentralbank Austria AG (RZB), which owns 70 % of the common stock. The remaining 30 % is free float; the shares are traded on the Vienna Stock Exchange. RZB is the central institution of the Raiffeisen Banking Group, the principal corporate and investment bank,and the leading bank in Austria, as well as in Central and Eastern Europe.


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