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Number of International Cards Issued by Raiffeisenbank Exceeded 250 000.

In Q3 2005 number of cards, issued by Raiffeisenbank, has exceeded 250000.

Raiffeisenbank is a principal member of VISA International andMasterCard International and issues all major types of bank cards ofthese payment systems including cards with credit limit. Cards issued toRUR, USD and EUR accounts are available with the Bank.

Having started to issue banking cards in 1999, Raiffeisenbank favored arather conservative approach to retail business its cardholders base replenishing only with payroll corporate clients; the only cards available were VISA Electron and VISA Classic issued only to USD accounts. The Bank was the first foreign bank to issue so called flag VISA cards in the Russian Federation.

Raiffeisenbank''s clientele demonstrates active usage of cards in shops,restaurants, and other places, the corresponding turnover accounts for10% of Visa''s total turnover in Russia. Raiffeisenbank''s cardstransactions turnover reached USD 160 mln per month. According to VISAInternational statistics, Raiffeisenbank became #2 in Russia in terms ofRSV (retail sales volume).

Raiffeisenbanks constant participation in all special offers, promo-actions and projects organized jointly with VISA and MasterCard payment systems greatly contributes to boosting transactions turnover of the Banks cards and to clients` convenience. Raiffeisenbanks cardholdersenjoy considerable discounts by paying for car rentals, purchasing insurance policies, as well as with some Moscow-based restaurants listed among the Banks partners.

The Bank steadily increases the number of its ATMs: now they total 300machines; many with available Euro withdrawal and many equipped withcash deposit function. Raiffeisenbank ATMs also enable the clients tomake mobile phone (MTS, Bee-Line, Megafon) payments andNTV+ monthly payments using Raiffeisenbank VISA and MasterCard cards payments are effected in real time mode.

The Banks customers enjoy instant access to information on their accounts via Home Banking system - Raiffeisen CONNECT.

Raiffeisenbank Austria, ZAO is a universal bank with operations equallyfocused on commercial, retail and investment banking activities. It hasoperated in Russia since 1996 offering a wide range of services tocompanies and private clients. Raiffeisenbank is ranked 10th in terms ofassets among Top Russian banks based on H1 2005 results and 4th in termsof consumer lending (CEA Interfax). The Bank was ranked 3rd in terms ofmortgage lending based on H1 2005 results (RBC.Rating) and 1st in termsof carloans based on 2004 results (

ZAO Raiffeisenbank Austria is a subsidiary of Raiffeisen InternationalBank-Holding AG (Raiffeisen International). Raiffeisen International isa fully consolidated subsidiary of Raiffeisen Zentralbank Oesterreich AG(RZB), which owns 70 per cent of the common stock. The remaining 30 percent is free float including the shares of the International FinanceCorporation (IFC) and the European Bank for Reconstruction andDevelopment (EBRD), which own about 3 per cent each of the capitalstock. Raiffeisen International''s shares are traded on the Vienna StockExchange. Raiffeisen International is the steering company for 15subsidiary banks and 14 leasing units with more than 970 outlets inCentral and Eastern Europe (CEE). RZB-Austria is the central institutionof the Austrian Raiffeisen Banking Group, the country''s most powerfulbanking group.


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