Company Profile Raiffeisen-Leasing Group as per April 2017

Overview of Raiffeisen-Leasing Raiffeisen-Leasing is a wholly-owned subsidiary of the Raiffeisen Banking Group. Since 1970, we have been successful in Austria and internationally with our experience and comprehensive knowledge of the leasing market. We offer our customers innovative and flexible forms of financing as well as customized services in the areas of motor vehicles, equipment and real estate leasing. In addition, our customers benefit from the advantages offered by the unique network of the Raiffeisen Banking Group, which spans over 17 countries. We are a trustworthy partner and we advocate renewable energy and e- mobility to help protect the climate and promote sustainability. Over 130 years of Raiffeisen in Austria: safe, regional, sustainable. leasing.simply.done. 19.09.2018

Company data* Current leasing volume (in Austria): about 49,950 leasing contracts about EUR 2.8 bn in financing volume** Volume of new domestic business in 2016 (in Austria): about EUR 628 m in about 17,000 contracts (in Austria, incl. cross-border financing) Real estate projects 2016: 12 new residential buildings, worth about EUR 83.6 m sale of 200 residential units per year about EUR 250 m total investment costs Staff: In Austria: 306 employees International: 352 employees Offices: Austria: Vienna/Lower Austria, Burgenland, Styria, Carinthia, Salzburg, Tyrol, Vorarlberg Western Europe: Germany, Italy, Sweden, Switzerland * Data as of December 31, 2016 ** receivables RL group in 2016 incl. Italy leasing.simply.done. 19.09.2018

Structure of Raiffeisen-Leasing Raiffeisen-Leasing GmbH old business 100% 100% RBI RL Bank AG 50% Raiffeisen-Leasing Management GmbH new business Raiffeisen Landesbanken 50% 75% 25% 25% 75% 100% RL Österreich Raiffeisen WohnBau RBI Leasing 434 Raiffeisenbanken 1,500 branches Public leasing.simply.done. 19.09.2018

Raiffeisen-Leasing & its strategic pillars Raiffeisen WohnBau: established as THE 100% sector-owned property developer Real estate leasing: selective municipal business & commercial property; focused market access with product development Extended vehicle & fleet management financing Equipment leasing – proximity to SME companies and customers RBI Leasing: Raiffeisen-Leasing is a product partner along RBI‘s leasing strategy Raiffeisen-Leasing as a central service provider for leasing and property development leasing.simply.done. 19.09.2018

Organization Chart of Raiffeisen-Leasing Management Compliance Internal Audit B. Mungenast | COO A. Schmidecker | CEO C. Hayden | CRO Sales Leasing Participations Austria Leasing GmbH A-Leasing SpA RL-Nordic AB AIL Swiss-Austria Leasing AG Property Development Real estate Management & Property development CLIENT- Service Client Service Fleet Management Client Service Corporates Client Service Retail Risk-management Credit Management inkl. OP RISK ORG/IT Financial Services Corporate Control Shared Service Center Shared Services Legal SUPPORT & SLA leasing.simply.done. 19.09.2018

Raiffeisen-Leasing International A leading leasing provider in Central and Eastern Europe (CEE) Part of Raiffeisen Bank International AG, a leading universal bank in CEE Head Office located in Vienna, covering 17 markets througout the CEE region Main product range includes vehicle-, equipment- and real estate leasing Offers tailor-made financing solutions Dedicated international vendor sales forces in Head Office and local units Total assets 06/2016: EUR 4,161 m (incl. Poland) leasing.simply.done. 19.09.2018

Access to Finance of Enterprises (SAFE) Leasing is the second most common type of financing used by SMEs (23%) followed by trade credits, bank loans and internal funds. For SMEs, leasing or hire-purchase remained the most used form of long-term finance. Use of different types of financing in the past six months for SMEs in the EU-28. Steigende Nutzung von Leasing in Europa Source: http://www.leaseurope.org | Survey “Leasing to SMEs in Europe", Brussels, Dec. 2016 | European Commission SAFE Survey, Apr. – Oct. 2016 leasing.simply.done. 19.09.2018

The use of leasing in Europe by country Poland, Germany, Estonia and Austria are the countries with the highest proportion of SMEs using leasing or hire-purchase, followed by the Scandinavian region and the UK. In contrast, countries in Southern Europe are at the end of the spectrum with the lowest proportion of SMEs using leasing or hire-purchase. leasing.simply.done. 19.09.2018

Leaseurope Ranking 2016 Leaseurope (European Federation of Leasing Company Associations), with headquarters in Brussels, is in close contact with the EU Commission and the European Parliament as it represents the interests of the European leasing sector. Currently more than 50 leasing companies from more than 30 countries are members of the organization. Since 2010, Alexander Schmidecker, CEO of Raiffeisen-Leasing, has been a member of Leaseurope's Board. leasing.simply.done. 19.09.2018

The classic product range... ...with standardized and customized offers for private customers, large and corporate customers, the public sector and our sales partners... Vehicle Leasing cars, trucks, fleet management, special vehicles Equipment Leasing & Vendor Partnerships production machines, computer systems, medical technology, aircrafts, etc. Real Estate Leasing Production halls, warehouses etc. consulting, construction management and financing flexible, fast, inexpensive diverse; from small to large leasing.simply.done. 19.09.2018

... and innovative offers and services Alternative drive systems Own real estate projects Construction management Electric mobility** Residential and commercial projects in Austria Fleet management Eco fleet management Residential and commercial projects abroad Insurance* * in cooperation with Raiffeisen Versicherung insurance agency ** RL maintains 1/3 of all electric vehicles registered in Austria leasing.simply.done. 19.09.2018

Future: digitalization From … …through… … to the future. Raiffeisen- Leasing ROL1 Fleet MGMT APP Social Media DRB2 e2e3 Leasing Scoring Mobility & Future Big Data Analytics leasing. simply. done. leasing. digitally. done. Customer Raiffeisen Leasing Customer Raiffeisen Leasing 1 ROL = raiffeisen online leasing calculator 2 DRB = digital regional bank 3 e2e = end-to-end leasing.simply.done. 19.09.2018

Raiffeisen Climate Protection Initiative (RKI) Raiffeisen-Leasing has been a member of RKI since 2007. Raiffeisen organisations are committed to a globally sustainable economic and social model. Development of activities addressing environment protection and climate change, as well as the growing consumption of resources. http://klimaschutz.raiffeisen.at leasing.simply.done. 19.09.2018

leasing.simply.done. Raiffeisen-Leasing Mooslackengasse 12, A-1190 Vienna t +43 1 716 01-0 f +43 1 716 01-8029 leasing@rl.co.at www.raiffeisen-leasing.at www.facebook.com/raiffeisenleasing