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Banking considerations for foreign investors in Albania. Karl Sevelda, Member of the Board. Interests in Austrian Financial Institutions. The Network in Central and Eastern Europe. Other Foreign Branches, Offices and Equity Participations. Specialist Companies

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the raiffeisen banking group three tier structure

Interests in Austrian

Financial Institutions

The Network in Central

and Eastern Europe

Other Foreign Branches,

Offices and

Equity Participations

Specialist Companies

and Back-Office Companies

Insurers, Investment Fund

Companies, Finance Leasing

Companies, Building Society,

Raiffeisen Centrobank,

Kathrein&Co., Nationalbank,

Kontrollbank, VISA, Europay, etc.

Raiffeisen International

(Shareholders: 68.5% RZB,

31.5% Free Float)

Network Banks,

Leasing Companies,

Other Subsidiaries

Branches,

Representative Offices,

Banks

Payment Transfer and

Securities Settlers,

IT Companies, Real-Estate

and Trading Companies,

Private Equity Company, etc.

The Raiffeisen Banking Group: Three-tier structure

Raiffeisen Banks

557 Raiffeisen Banks, 1,695 Affiliated Branches

Regional Raiffeisen Banks

8 Regional Raiffeisen Banks, Zveza Bank

rzb group one of the world s 100 biggest banks delivering strong figures
RZB Group one of the world\'s 100 biggest banks delivering strong figures

> 14 million customers

> 61,000 employees

> 3,000 outlets

31/12/2007 31/12/2006

Assets (€ bn) 137.4 115.6

RoE before tax (%) 22.2 21.5

Profit before tax (€mn) 1,485 1,286

Customers (mn) 13.6 >12

Staff 61,351 55,434

Outlets 3,036 2,866

36 markets

1 group

RZB GROUP

local ranking by total assets
Local ranking by total assets

Picture: HO RB Albania

# 1 Albania, Raiffeisen Bank

# 1 Serbia, Raiffeisen banka

# 2 Bosnia and Herzegovina, Raiffeisen Bank Bosna i Hercegovina

# 2 Kosovo, Raiffeisen Bank Kosovo

# 2 Ukraine, Raiffeisen Bank Aval

# 3 Belarus, Priorbank

# 3 Bulgaria, Raiffeisenbank (Bulgaria)

# 3 Romania, Raiffeisen Bank

# 3 Slovakia, Tatra banka

# 4 Croatia, Raiffeisenbank Austria

# 5 Czech Republic, Raiffeisenbank & eBanka

# 6 Hungary, Raiffeisen Bank

# 7 Russia, Raiffeisenbank Austria & Impexbank

(largest international banking group)

# 10 Slovenia, Raiffeisen Banka

# 12 Poland, Raiffeisen Bank Polska

THE SUCCESS STORY

rb albania
2004 2007 Difference in %

Total assets: EUR 1,647 mln EUR 1,947 mln + 18.8%

Total loans: EUR 7.5 mln EUR 486 mln + 6,380.0%

Total liabilities: EUR 1,605 mln EUR 1,860 mln + 15.9%

Number of employees 1,026 1,373 + 33.8%

Number of branches 84 96 + 14.3%

Number of customers 300,644 552,193 + 83.7%

Debit cards 6,666 183,565 + 2,653.8%

ATM 31 154 + 396.8%

POS N/A 353 n.a.

RB Albania
international desk concept
Account opening services

Working Capital Finance

Financing long-term investments

Financing acquisitions and/or start-ups

Cash management services

Trade Finance (L/C, L/G etc.)

Export Finance with export promotion programs

Project & structured finance/Real Estate

Investment products

Leasing / Factoring

Personal banking services for customers\' employees

FX Business

International Desk Concept

15 MARKETS, ONE SERVICE LEVEL

other value adding services
English speaking staff

Mrs. Adriana Jorgji/ Head of Int. Desk Albania

Tel.: +355 4 2222 669 – 2545

[email protected]

Contacts to local authorities

Referral of CPAs and law firms

Support in founding a business

Search of suitable production sites and objects

Subsidy programmes

Networking and lobbying

Other value adding services

15 MARKETS, ONE SERVICE LEVEL

albania a lot of room need to catch up
Albania – A lot of room/need to catch up!

110%

Spain

100%

Greece

90%

80%

70%

Portugal

60%

50%

40%

30%

20%

10%

0%

SI

PL

RS

SK

AL

BY

HR

RO

BA

RU

CZ

BG

UA

HU

CE

SEE

CIS

2000

2007

GDP per capita (at PPP) in % of EU-27 avg

Source: wiiw, Raiffeisen RESEARCH

high gdp growth rates
High GDP growth rates

Source: Raiffeisen RESEARCH

to be considered for investors
Standard of legal system/ Independency of justice

Bureaucratic procedures (registration of land ownership, approval of construction permissions, etc.)

Lack of infrastructure (Poor roads, electricity/ power cuts, ..)

Low Standard of Social System

To be considered for investors …
positive factors to be considered
Positive factors to be considered
  • Upcoming privatization process
  • High GDP growth rates
  • Efforts to reduce administrative obstacles
  • Fast registration of business (8 days)
  • 10% corporate tax
  • Signed Double Taxation Agreement with Austria (in force by 2009/01/01)
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