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PRESS RELEASE Prague, 7 October 2010 RAIFFEISENBANK DROPS PRICES; MORTGAGE LOANS ARE AVAILABLE AT NO INTEREST As part of its traditional Mortgage Days, Raiffeisenbank prepared new discounts for clients: off-set mortgage loans are now available at no interest; the bank discounts other mortgage loans by 0.3 percentage point. Effective from Monday, 11 October, Raiffeisenbank decreases the interest rates applied to it mortgage loans (save for the variable mortgage loan and loans with one- or two-year fixation of the interest rate) by 0.3 percentage point. A standard mortgage loan with the most often used three-year fixation can be thus obtained now from 3.49 percent. „This offer applies to clients holding an account with the bank or clients with expiring fixation terms for their existing mortgage loans with a life insurance policy“, said Raiffeisenbank’s product manager Jan Bureš. The lowest possible rate for other clients is 3.79 %. „For clients, the decrease of rates results in saving roughly 3,000 koruna a year for every million provided under a mortgage loan“, he added. Moreover, the bank now allows for paying no interest for the mortgage loan at all. With an off-set mortgage loan, which is based on setting off the mortgage loan amount and the amount of savings, clients now do not need to pay an interest, if the amount of deposits on a saving account reaches the full amount of the mortgage loan. Until now, the bank offered the possibility of setting off savings against 50 % of the loan principal only. The offer is valid only during the regular mortgage days that take place between 11 and 15 October. The discounts will be granted to every client who takes an informative calculation during the said week and who signs the loan agreement by 15 December. This year, Raiffeisenbank registers growing demand for mortgage loans; for the first six months of the year, the amount of money granted under home loans is one quarter up compared to the year before. The growth is particularly due to several decreases of the interest rates and extended availability of mortgage loans. As part of its standard offer, Raiffeisenbank provides loans with zero fees for processing the mortgage loan; clients also have the opportunity to have early instalments free of charge. Tomáš Kofroň Raiffeisenbank a.s. BASIC INFORMATION ABOUT RAIFFEISENBANK A.S. Raiffeisenbank a.s. (RBCZ) has been providing a wide range of banking services in the Czech Republic to individuals as well as corporate clients since 1993. Raiffeisenbank renders services to its clients via a network of more than 100 branch offices and client centres. The bank also provides services of specialized mortgage centres, personal, corporate and business advisors. In 2009, Raiffeisenbank increased its profits by 42 percent to CZK 1.99 billion. For the first six months of this year, the bank’s profits amounted to CZK 930 million. Total assets of the bank reached the value of CZK 192 billion. According to this particular figure, Raiffeisenbank is the fifth largest bank operating in the Czech market. Various local and international awards serve a proof to the quality of offered services. In last year’s Bank of the Year competition, Raiffeisenbank was awarded the Most Dynamic Bank of the Year for the third time in the recent four years. eKonto account was named the best account again and Raiffeisenbank ended third in the main category. Moreover, Raiffeisenbank was awarded the title of the Best Bank in the Czech Republic by Global Finance magazine. In the recent Zlatá koruna competition, the bank has won the first place in the categories of direct banking, business loans and business accounts. The majority shareholder of the bank is Austria’s financial institution Raiffeisen International Bank Holding AG. In 17 markets of Central and Eastern Europe, Raiffeisen International serves nearly 15 million clients at 3,000 sales points. Since 2005, the group’s shares have been listed at the Vienna Stock Exchange. The majority owner is RZB Group with a shareholding exceeding two thirds of the capital; the remaining part is traded on free float on the stock exchange. In July 2009, Raiffeisen International received Euromoney’s Best Bank in Central and Eastern Europe award for the fifth consecutive time. In addition, the network’s banks received awards for the best banks in six countries of the region. The company also received the Best Bank in Central and Eastern Europe awards from Global Finance and The Banker magazines.