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Raiffeisen Bank decorated as Best Bank in Poland.

Gazeta Bankowa ranks the country''s best banks

Raiffeisen Bank Polska S.A., a full subsidiary of RaiffeisenInternational Bank-Holding AG (Raiffeisen International), was awardedthe title"Best Bank in Poland 2005" by the country''s leading industrymagazine, Gazeta Bankowa. After finishing as runner-up last year, theNo. 1 position validates the successful path the bank has chosen. PKOBank Polski ranked second this year after winning in 2004 and Bank BPHcame in third, as last year.

The jury''s ranking criteria comprised, among others, financial data,structure of the loan portfolio, growth dynamics and efficiency.Furthermore, quality of management, consistency of strategy, corporategovernance and not least the customers'' opinion were assessed.Raiffeisen Bank scored 89 of 100 possible points. Herbert Stepic,Raiffeisen International''s Chairman of the Managing Board, values theaward as a confirmation of the bank''s successful path, namely to focuson small and medium-sized enterprises and the country''s middle-classprivate customers.

Raiffeisen Bank Polska increased its balance-sheet total by 45 per centto€ 2.7 billion in 2004. Its pre-tax return on equity of 18.6 per cent was the highest among the large local universal banks. Raiffeisen International operates the leading banking network in Central and Eastern Europe with 15 network banks and 14 leasing companies. In approximately 950 business outlets more than 5.2 million customers are served in 16 markets of the region.


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