Shareholder Structure. Raiffeisen Zentralbank Österreich AG (RZB) % Free float %

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1 The RZB Group is owned and steered by Vienna-based, Raiffeisen Zentralbank Österreich AG (RZB), and consists of more than 100 business units. Besides RZB itself, Raiffeisen International forms the most significant unit of this group. RZB is Austria's third largest bank. With a balance sheet total of nearly 68 billion as of year-end 2004, RZB is Austria's third largest bank. It provides the full range of commercial and investment banking services in Austria and ranks among the leading banks in Central and Eastern Europe Shareholder Structure Raiffeisen Zentralbank Österreich AG (RZB) % Free float % European Bank for Reconstruction and Development (EBRD) 2.80 % International Finance Corporation (IFC) 3.20 %

2 Raiffeisen International owns the majority of shares in every Network Bank. Starting already in 1986 by founding what is today Raiffeisen Bank, Hungary, Raiffeisen International has proven its pioneering spirit time and again by entering growth markets ahead of international competition. The most recent examples are the founding of Raiffeisenbank in Serbia and Montenegro in 2001, and the acquisitions of banks in Kosovo, Belarus and Albania in 2002, 2003 and 2004, respectively.!" # # $ % # & & ' () # *# +# &,,

3 Ukraine RZB entered the Ukraine market in 1994 when it established a representative office. JSCB Raiffeisenbank Ukraine started operations in According to the Association of Ukrainian Banks (AUB), it is the country's seventh largest bank in terms of total assets (more than 625 million as of year-end 2004). The bank is also the largest among the country's international banks and has a special focus on structured trade finance products, tailor-made for the complex local environment. Having started mass retail lending only in the second half of 2003, Raiffeisenbank is the fastest growing local bank in this business segment with its loan portfolio to individuals having grown almost threefold between end 2003 and mid As of year-end 2004, the bank offered its services through 14 outlets, employing a staff of more than 700. It services local and international corporate and private customers with the full range of banking products. Raiffeisen International % RZB 0.01 % JSCB Raiffeisenbank Ukraine Zhylyanska St. 43, Kiev Phone: Fax: Slovenia Raiffeisen Krekova banka d.d. was established as Krekova banka in In February 2002, Raiffeisen International submitted a public bid for the shares of the bank, which was accepted by 97 per cent of all issued ordinary shares. In 2004, 25 per cent plus one share were sold to the Regional Raiffeisen Banks in Styria and Burgenland. According to data published by the Slovenian National Bank, Raiffeisen Krekova banka is the ninth largest out of 21banks in Slovenia, showing total assets of roughly 670 million at 31 December 2004 (plus 24 per cent compared with year-end 2003). It operates 13 outlets throughout the country and employs a staff of more than 300. The bank has its roots in retail business, but has expanded its corporate and investment banking activities considerably. Leasing services were already introduced prior to the acquisition of Krekova banka. Raiffeisen International % Other % Raiffeisen Krekova banka d.d. Slomskov trg 18, 2000 Maribor Phone: Fax:

4 Slovakia Tatra banka, a.s. started its business in 1991 with a view to attending customers throughout Czechoslovakia. Following the country's partition its area of activities was limited to Slovakia and Raiffeisenbank a.s. was subsequently founded in Prague in According to preliminary figures published by the local banks, Tatra banka currently ranks third by total assets (amounting to more than 4.3 billion). It is the largest bank in the Raiffeisen International group, slightly ahead of Raiffeisen Bank Rt., Budapest. Tatra banka has market shares in loans and primary deposits of 18 and 15 per cent, respectively, according to the Slovak National Bank, servicing almost 600,000 customers as of year-end The reason why the bank operates under the Tatra brand is that it is a very traditional and wellrecognized brand name. As of June 2004, it offered its services via 111 branches, employing a staff of more than 3,000. Tatra banka services corporate as well as private customers and small and medium-sized enterprises with the full range of banking products, also providing a broad scope of finance related services, among others leasing, through its subsidiaries. Raiffeisen International % Tatra Holding GmbH % Others % Tatra banka, a.s. Hodzovo namestie 3, Bratislava 1 Phone: Fax:

5 Serbia and Montenegro Following the political changes in the autumn of 2000, RZB was the first Western bank to open a subsidiary in Serbia and Montenegro. Raiffeisenbank a.d. started its business in mid-2001 and has quickly developed into one of the country's leading and most dynamic banks, benefiting especially from the Raiffeisen brand. In November 2004, Raiffeisenbank became the clear leader of the local banking market by total assets, loan portfolio and volume of deposits according to data of the Serbian National Bank. The bank services domestic and international corporate and private customers, as well as small and medium-sized enterprises. More than half of the top-100 local companies and more than 80 per cent of the top-100 foreign investors are clients of Raiffeisenbank. The bank's retail division serves over 145,000 customers throughout Serbia. As of 31 December 2004, the bank's balance-sheet total amounted to roughly 875 million and a workforce of more than 800 was employed in 27 outlets. Raiffeisen-Leasing and Raiffeisen Investment complement the bank's scope of services. Raiffeisen International 90 % International Finance Corporation 10 % Raiffeisenbank a.d. Resavska 22, Beograd Phone: Fax:

6 Russia ZAO Raiffeisenbank Austria started its business in 1997 as the first subsidiary of an Austrian bank in the country. Following the financial crisis in 1998, RZB was again the first international bank to underpin its commitment to the Russian market by substantially increasing its subsidiary's equity. This move was rewarded by a significant increase in accounts, deposits, customer relations and business as a whole. As of December 2004, Raiffeisenbank offered its services through 18 business locations, including a regional branch in St. Petersburg, employing a staff of more than 1,000. With a balance-sheet total of just slightly below 2.1 billion, it is the eleventh largest bank according to the Russian National bank (and the second largest foreign-owned bank) in Russia. The bank services local and international corporations as well as small and medium-sized companies and private customers with the complete range of banking products, including leasing and investment banking services. Raiffeisen International 100 % ZAO Raiffeisenbank Austria Troitskaya Ul. 17/1, Moskwa Phone: Fax: Romania RZB has served Romaian customers since 1994 when it opened a representative office. In 1998, RZB founded Raiffeisenbank (Romania), which became soon a leading player for corporate banking. In July 2001, RZB purchased Banca Agricola, at that time the country's fourth largest bank, from the Romanian privatisation agency. The two banks were merged in July 2002 and have continued to operate as Raiffeisen Bank SA, now ranking number 3 in the Romanian market by total assets, according to the Romanian National Bank. At 31 December 2004, the bank had a balance-sheet total of almost 2.1 billion and served more than 1.2 million customers, including private individuals, local and international corporations and small and medium sized enterprises via 205 outlets. The bank has more than 4,600 employees. Investment banking, leasing services and mortgage banking complement the scope of activities. Raiffeisen International % Others 0.56 % Raiffeisen Bank S.A. 15, Charels de Gaulle Square, Bucuresti 1 Phone: Fax:

7 Poland RZB was among the first Western banks operating in Poland. Raiffeisen Bank Polska S.A. started its business in 1991 and quickly developed into one of the country's most dynamic banks. The bank became known as an expert for customised products for SMEs. According to Rzeczpospolita, Poland's leading business daily, it was the most dynamic bank regarding credit cards in the first-half of As of year-end 2004, it offered its services via 70 outlets, attending to more than 155,000 private customers. Its balance-sheet total amounted to approximately 2.7 billion at that date, making it the eleventh largest bank in Poland, as per Rzeczpospolita's rating. Raiffeisenbank services corporate as well as private customers with the complete range of banking products and provides a multitude of finance related products, such as leasing and factoring, through its subsidiaries. Raiffeisen International 100 % Raiffeisen Bank Polska S.A. Ul. Piekna 20, Warsaw Phone: Fax: Kosovo Raiffeisen Bank Kosovo was founded in November 2001 as American Bank of Kosovo by the U.S. Agency for International Development (USAID). After having purchased 76 per cent in December 2002, Raiffeisen International re-branded the bank in May 2003 and bought the balance of shares in July With a balance sheet total of approximately 150 million as of yearend 2004, it is Kosovo's second largest bank according to the Banking and Payment Authority of Kosova. It operates 22 outlets and employs a staff of more than 300. Raiffeisen Bank currently services more than 60,000 private and 6,500 corporate customers. It is the largest provider of loans to small and medium-sized enterprises and the only bank focusing on the local and international corporate sector in Kosovo. Raiffeisen International 100 % Raiffeisen Bank Kosovo JSC UCK Street 51, Pristina Phone: Fax:

8 Hungary The Hungarian operation was RZB s first investment in CEE: Raiffeisen Bank Rt. was founded as Unicbank in autumn 1986, three years before the collapse of the Iron Curtain. It commenced business in 1987 and quickly developed into one of the country's largest and most dynamic banks. As of year-end 2004, it offered its services through 72 banking outlets, employing a workforce of almost 1,800. Its balance-sheet total amounted to approximately 4.3 billion, making it the country's sixth largest bank as by the Hungarian National Bank. It is also the second largest bank within the Raiffeisen International group, only slightly behind Tatra banka, Slovakia. It services local and international corporate as well as private customers with the complete range of banking products and services and also provides a multitude of finance related services, such as leasing and investment banking, through its subsidiaries. Raiffeisen-RBHU Holding GmbH % (thereof Raiffeisen International %) Raiffeisen Bank Rt. Akademiea utca 6, 1054 Budapest Phone: Fax:

9 Czech Republic Raiffeisenbank a.s. started its business in 1993 and quickly developed into one of the country's leading and most dynamic banks. Raiffeisenbank services local and international corporations as well as small and medium-sized enterprises (SME) and private customers with the complete range of banking products. It also provides a number of finance-related services, such as leasing and investment banking, through its subsidiaries. It is particularly successful in servicing SMEs and has, in cooperation with the European Bank for Reconstruction and Development, introduced loan products tailored to the needs of this customer segment. As of 31 December 2004, it offered its services through 49 business locations to more than 132,000 customers, employing a staff of more than 1,100. Its balance-sheet total amounted to almost 2.1 billion, making it the country's sixth largest bank according to the Czech National Bank. Raiffeisen International 51 % Raiffeisenlandesbank Niederösterreich-Wien AG 24 % RB Prag Beteiligungs GmbH 25 % Raiffeisenbank a.s. Olbrachtova 2006/9, Prague 4 Phone: Fax: Croatia Raiffeisenbank Austria d.d. started its business in 1994 and quickly developed into one of the country's most dynamic and leading banks. It services local and international corporations as well as small and medium-sized enterprises and private customers with the complete range of banking products. The bank provides a multitude of financerelated services, such as leasing, investment banking and pension funds, through its subsidiaries. As of year-end 2004, the bank offered its services via 34 outlets, employing a staff of more than 1,350. Its balance-sheet total amounted to more than 3 billion. According to data of the Croatian National Bank, Raiffeisenbank Austria ranked fourth in terms of total assets at the reporting date. Raiffeisen International 75 % Raiffeisen Zagreb Beteiligungsges.m.b.H. 25 % Raiffeisenbank Austria d.d. Petrinjska 59, Zagreb Phone: Fax:

10 Bulgaria Raiffeisenbank (Bulgaria) EAD started its business in 1994 as the first wholly owned subsidiary of a western bank in the country. As of yearend 2004, it offers its services through 52 branches employing a staff of more than 800. Its balance-sheet total amounted to more than 1 billion, securing the position of the country's fourth largest bank according to the Bulgarian National Bank. Raiffeisenbank services large local and international corporations as well as small and medium-sized enterprises and private customers with the complete range of banking products. In 2004, it particularly strengthened its market position in retail banking by offering new deposit, mortgage and consumer loan products. The bank also continued to reinforce its corporate business by signing new loan agreements with the European Bank for Reconstruction and Development Bank and the European Investment Bank. Raiffeisen International 100 % Raiffeisenbank (Bulgaria) E.A.D. 18/20 Gogol Ulica, 1504 Sofia Phone: Fax: Bosnia and Herzegovina Raiffeisen International has been active in Bosnia and Herzegovina since July 2000, when it acquired the medium-sized, but highly profitable Market banka. The bank was renamed Raiffeisen Bank d.d. Bosna i Hercegovina and, supported by the integration into Raiffeisen International's banking network, it was already the country's largest bank - according to the published annual reports of all local banks - only 14 months later. Its expansion was complemented by the acquisition of Hrvatska Postanska Banka in early 2001, which was subsequently merged with Raiffeisen Bank. The bank has 62 branches throughout the country with more than1,000 employees. Its balance-sheet total amounted to approximately 1 billion as of December Its market share according to the local National Bank is approximately 20% in assets, loans and deposits. Investment banking and leasing services are provided by subsidiary companies. Raiffeisen International % Millenia Beteiligungs GmbH 3.00 % Others 0.02 % Raiffeisen Bank d.d. Bosna i Hercegovina Danijela Ozme 3, Sarajevo Phone: , Fax:

11 Belarus private individuals. Priorbank was established in 1989 as Minsk Innovation Bank. With a balance-sheet total of approximately 480 million as of 31 December 2004, Priorbank is the third largest local bank according to the National Bank. It is also the country's largest privately owned bank, boasting Belarus' best local rating A1. It offers its services through a countrywide network of 43 outlets with 1,900 employees to its approximately 500,000 customers, the largest part thereof being Between December 2002 and August 2003, Raiffeisen International acquired a total of 61.3 per cent of Priorbank's shares by means of a direct purchase, a 100 per cent capital increase and a public tender. The European Bank for Reconstruction and Development (EBRD), which was Priorbank's largest shareholder until the capital increase, now owns 13.5 per cent. Other shareholders include Belarusneft, the Ministry of Economy, the Minsk car works and approximately 15,000 individual shareholders. Raiffeisen International 61.3 % EBRD 13.5 % Others 25.2 % Priorbank, JSC 31-A, V. Khoruzehey Str., Minsk, Phone: Fax: Albania According to the Albanian National Bank, Raiffeisen Bank is the largest local bank showing total assets of 1.6 billion as of year-end 2004 (an increase of 18 per cent compared with year-end 2003). It is also the market leader in deposits with market shares of approximately 57 per cent in local currency and 27 per cent in foreign currency customers are attended to in the largest local banking network comprising 84 outlets. The former Banka e Kursimeve was purchased by RZB in April 2004 and rebranded six months later. With the introduction of lending to corporate customers and small- and medium-sized enterprises, the installation of ATMs, the intensive training of staff and the offering of new banking products, Raiffeisen Bank has laid the foundation to secure its leading market position. Raiffeisen International 100 % Raiffeisen Bank Sh.a. Rruga Kavajes, Tirana Phone: Fax: