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20.03.07

Raiffeisenbank calls off the loan fee within a special promo action.

ZAO Raiffeisenbank Austria holds a special promo action within themortgage loan programme. From March 20 to May 20, 2007, the Bank''s loanfee will be 0% which will allow to save USD 250 to 1,000 / RUR 7,500 to30,000 depending on the loan amount. Customers who will submit the wholepackage of documents necessary for the loan approval in April and May2007 will also receive a gift from Raiffeisenbank.

This promo action applies to all mortgage loan programmes of the Bank:loans for acquisition of an apartment or cottage on the primary andsecondary real-estate market; loans for acquisition of a land lot; loansfor apartment and cottage repairs; loans to refinance mortgage loanstaken from other banks; loans for acquisition of real-estate on securityof the existing property or multi-purpose loans on security of theexisting real-estate. The promo action is held all across Russia and isaccessible in all the regions of Raiffeisenbank’s presence.

Roman Vorobyev, Director of Retail Banking Management of ZAORaiffeisenbank Austria, underlined:"It is already obvious that 2007will see a considerable growth in demand for mortgage loans. We hopethat cancellation of the loan fee will make our mortgage loan programsmore attractive and affordable to a greater number of families/customerswilling to improve their living conditions."

The latest innovations within loan mortgage program improvement ofRaiffeisenbank also include cancellation of the maximum limitation ofloan amount and reduction of the minimum amount to USD 15,000 / RUR400,000, expansion of mortgage-loan product line and introduction of anew service–"Mortgage Loan Saturdays" which allows to receiveindividual advice on mortgage on a day-off.

Fore more information on mortgage loan programs of Raiffeisenbank pleasevisit the web-site and see the Section"Retail Banking– Mortgage Loans.

ZAO Raiffeisenbank Austria is ranked 10th in terms of assets amongRussian largest banks based on 2006 results (Interfax-CEA). At present,the Bank has 24 branches in Moscow, 5 branches in Saint Petersburg andregional branches in Ekaterinburg, Samara, Novosibirsk, Chelyabinsk,Nizhny Novgorod, Krasnodar, Krasnoyarsk and Perm. In terms of thecorporate credit portfolio Raiffeisenbank ranks 9th based on 2006results (Interfax-CEA). Among the leading retail banks of Russia,Raiffeisenbank ranks 8th both in terms of private lending and privatedeposits based on 2006 results (Interfax-CEA).

ZAO Raiffeisenbank Austria is an affiliate of Raiffeisen InternazionalBank Holding AG (Raiffeisen Internazional), with subsidiary banks andleasing companies in 16 CEE markets. The Bank serves 11.7 millioncustomers at more than 2,775 business outlets, and also hasrepresentative offices in Lithuania and Moldova. RaiffeisenInternational is a fully consolidated subsidiary of RaiffeisenZentralbank Osterreich AG (RZB), which owns 70 per cent of the commonstock. The remaining 30 per cent is free float; the shares are traded onthe Vienna Stock Exchange. RZB is a leading corporate and investmentbank in Austria and the central institution of the Austrian RaiffeisenBanking Group, the country''s largest banking organization.

 

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