Olga Ruiz

Raiffeisen Bank Ukraine

Raiffeisen Bank Public Joint Stock Company was registered on March 27, 1992 (operated under the brand name of Joint Stock Postal Pension Bank Aval until September 25, 2006). Since October 2005, the Bank has been part of the Raiffeisen International Bank Holding AG Group, Austria (since October 2010 — Raiffeisen Bank International AG, as of September 30, 2015 the Group held 96.46% of shares in the Bank). The Bank provides a broad range of standard and innovative banking services through its nationwide network which comprised, as of September 30, 2015, 617 outlets located in big cities, provincial and community centers throughout Ukraine. The Bank has an effective management structure, based on a clear division into business lines and supporting verticals (information technologies, operation support, controlling, security and other) both in the Bank's Head-office and regional directorates. As a truly international bank, Raiffeisen Bank clearly separates front-office functions from back-office ones to achieve higher quality of client service and enhance risk mitigation. Traditionally, Raiffeisen Bank is ranked among top Ukrainian banks by trust and recognition of clients, partners and experts, both Ukrainian and international. The Bank strives to improve its customer service quality through using its own long-term experience, the valuable expertise of Raiffeisen Bank International network banks and the newest technologies.