CROATIA

Size: 56,500 km2

Population: 4.0 million

Currency: Croatian kuna (HRK)

Real GDP growth: 3.1% (2017), 2.7% (2018),

2.9% (2019), 8.5% (2020e), 3.0% (2021f)

GDP per capita (EUR at PPP): 24,375

Source: Raiffeisen RESEARCH, as of May 2020

www.rba.hr

Raiffeisenbank Austria d.d.

Magazinska cesta 6910000 Zagreb - CroatiaPhone: +385 1 4566 466Fax: +385 1 4811 624SWIFT/BIC: RZBHHR2X

International Desk

Alzbeta RAMICE-Mail: alzbeta.ramic@rba.hrPhone: +385 1 4590 622

127 business outlets(as of December 2014)

63 business outlets(as of December 2019)

Zagreb

Raiffeisen in Croatia Balance sheet total: € 4,959 million Market position of Raiffeisen Bank: No. 5 by loansNumber of employees: 1,860(as of December 2019)

Raiffeisenbank Austria d.d. was founded in 1994 as the first bank in Croatia established with foreign capital. It locally offers the full range of banking and financial services, complemented by its subsidiaries Raiffeisen Leasing, Raiffeisen Pension Insurance Company and Raiffeisen Invest. Raiffeisenbank Austria provides services to approxi-mately 450,000 customers via a network of 63 outlets. Furthermore, the bank is locally present with 500 ATMs and around 13,400 POS devices. Tailoring products to the needs of its customers is Raiffeisenbank Austria’s top priority. Through product and service development in-house as well as in its specialized financial institutions, it continually improves its offer and achieves top standards in the quality of services.

Global Finance and Euromoney magazines chose the bank as “Best Private Bank in Croatia” in 2019, and EMEA Finance recognized it as “Best Bank in Croatia” in 2017 and 2018.

Shareholder structure:Raiffeisen Bank International: 100 %

Payments/Account ServicesCurrent Accounts(Domestic and International) PaymentsElectronic BankingCash PoolingCard Processing (Debit/Credit Cards)Card AcquiringAsset ManagementDepositsFunds (Bonds, Equity, Multi Asset, …)FinancingOverdraftsWorking Capital FinanceTerm LoansProject FinanceReal Estate FinanceFinancing and Management of ReceivablesFactoringReverse Factoring

Export FinanceDocumentary Business (L/Gs, L/Cs, Documentary Collections)Export/Import FinanceExport Finance covered by ECAsLeasingMovablesImmovablesCar Fleet ManagementInvestment BankingDebt Capital MarketsEquity Capital MarketsMergers & AcquisitionsLoan SyndicationsCapital Markets/TreasuryFX (spot, forward)IRSCommoditiesMoney Market

Product and service range

www.rba.hr