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History

The Bank has taken the name from Friedrich Wilhelm Raiffeisen

(1818 – 1888). He was a Social Reformer

The personal Moto was: “Do not wait any longer – help yourself out”“In group we are stronger”

On 1864 it has founded the Loans financing Banking Associaion

RZB is founded on 1927 as Genossenschaftliche Zentralbank (GZB) and on 1989 took the name Raiffeisen Zentral bank ZB

During all these years of activity, RZB has an organic growth for over 140 vjet without facing any failure.

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Raiffeisen Zentralbank Österreich AG

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Raiffeisen International - The presence

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The vision of our Bank

Improve Albania by raising banking standards and making a difference to our customers’ lives through the provision of the best products and high quality customer service

We seek long-term customer relationships. As a member of the RZB Group, we cooperate closely with Raiffeisen Zentralbank and the other members of the Austrian Raiffeisen Banking Group. We achieve sustainable and above-average return on equity. We empower our employees to be entrepreneurial, to show initiative and we foster their development.

The mission of our Bank

Raiffeisen Bank of Albania

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Total assets: EUR 2 mlnNet Profit EUR 40 mlnRoE 34%Total loans: EUR 653 mlnCorporate Loans reached EUR 342 mlnTotal deposits: EUR 1,66 blnNumber of Employees 1,300Number of Branches 102ATM 181POS 1030

What have we achieved and overall growth

Raiffeisen Bank of Albania

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Main departments of the bank supporting the business

Raiffeisen Bank of Albania, Sept. 2006

Corporate CustomersCompanies with turnover EUR 5Mio and over

SE (Small Enterprises)Companies with turnover from EUR 1Mio to EUR 5Mio

MircroCompanies with turnover less then EUR 1Mio

PI (private individuals)Consumer loan departmentMortgage departmentProducts development departmentVIP

Treasury department for all FX and investment banking

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Banking products

Raiffeisen Bank of Albania, Sept. 2006

Project Finance Medium Term Loans; Working Capital; Multi Purpose Lines – ODs, B/G and L/Cs Multicurrency financing lines Financing limit: EUR 28,5 mln from RBAL, un-limited with RZB Consolidated Payment Collection Cash pick up FOREX Subcontractors’ Financing – SEs M-Cash + combined with all Utility and Tax Payments Salary Payment – Private Sector PI – loans (Mortgage + Vehicle + Consumables) Leasing Pension fund

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By tailoring the products at customer’s need

We base our success:

Raiffeisen Bank of Albania, Sept. 2006

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Raiffeisen Leasing Albania

Raiffeisen Leasing Sh.a was established in April 2006 with shareholders Raiffeisen Bank Sh.a holding 75% of its shares and Raiffeisen Leasing International GmbH having the remaining 25% of the shares.

During these four years of activity, leasing faced a considerable growth by occupying 50% of the market and is the absolute Leader in this segment as well and beating two competitors Tirana Leasing (since 2004) and Landeslease (since end 2006)

In the strategy, but as well in the real activity of Raiffeisen Leasing Sh.a, are included lease financing for products , starting from personal cars, light commercial vehicles, trucks and heavy machinery and equipment for construction industry to different technological lines. All these leasing products are offered to business segments such as Corporate and SME, whilst private individuals mainly use personal cars.

The mission of Raiffeisen Leasing is to become a leader in the leasing market in Albania by offering a full range of leasing products, fully satisfying the customers needs and contributing in development of the Albanian economy through financing of new and contemporary technology, machinery and equipment.

Amongst the most important achievements has been the establishment of strategic partner relationships with local and international dealers and vendors. During the year 2007, Raiffeisen Leasing Sh.a. has undertaken an intensive marketing campaign, mainly coordinated with policies and marketing activities of local car dealers as the prior business partners.

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Pension Fund in AlbaniaThe voluntary private pension fund companies:

In Albania, the first private pension funds were licensed in 2005. The government of Albania is the one of the last governments in Eastern Europe to license private pension fund companies and to provide incentives for this type of a financial service institution.

Through this pension scheme, an individual can contribute voluntarily a certain amount of ALL in order to obtain at retirement a lump sum or annuity payments.

Each individual has its own account and this account is inheritable or transferable.

Raiffeisen Pensions enables any one to supplement the mandatory state pension with a voluntary one.

Any one can participate in the scheme by contributing periodically and on voluntary basis a desired amount of money.

At the time of retirement, the pensioner can obtain his savings and interest earned from their investment in the pensions fund in the form of a lump sum or annuity.

Each contributor will have an individual account at Raiffeisen Pensions which will reflect the amount of contributions plus the interest earned.

Each individual can name a beneficiary or a special person designated to inherit his/her account.

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Finance Central Europe The Best Bank in Albania in 2004, 2005, 2006 The Best Bank in Albania - By Gross Profit in 2004, 2005, 2006,

2007 The Best Bank in Albania - By Assets Strength in 2004, 2005, 2006,

2007 The Best Bank in Albania - By Capital Strength in 2004, 2005,

2006, 2007 The Best Bank in Albania - By ROE in 2004, 2006, 2007 Best bank in South East Europe – By ROE in 2006, 2007

Global Finance Best Bank Award in 2005, 2006, 2007, 2008Euromoney Best Bank in Albania in 2005, 2006, 2007The Banker & Trade Finance Bank of the Year in 2004, 2005, 2007

AWARDS