Bank Presentation

Our mission

- As a Leading Bank, we occupy the first place by the amount of assets

- Our goal - be a leader in all the biggest market segments

- Raiffeisen Bank Aval - is the bank into with people come for financial services because of its high level in the market.

- We are valued because of the following:

- Availability of our services, especially through our countries' best network of Regional Offices and Branches

- Fast speed of decision making based on the clearly defined processes.

- Highest level of service of retail clients

- Best resolutions for corporate clients owing to the combination of the local know-how and leading international experience.

Our mission

Mission

Shareholders

Clients

Employees

ROE satisfies expectation of our shareholders and exceeds the corresponding indexes of the other banks from our Group in the market.

We understand our clients and strive to support long-term relationship with them throughout their whole life.

The relationships with clients of the bank are built by the employees of the highest professional level, which provide services of the superb quality throughout the countries' best network.

Our highest values

General values of RI Group - Raiffeisen Bank Aval

1. Careful attention to customers' needs

We build long-term relationships, which develop values for our clients, shareholders, employees and society in which we live.

We provide financial services of the best quality to our clients

We are committed to highest professional standards.

We support flexibility to ensure a rapid response to customer needs

2. Increase shareholders value

We reach the highest results in business and extend our possibilities.

We strive for continuous and sustainable growth shareholder value by achieving an exceptional return of equity.

3. We adhere to the generally accepted fundamental ethical norms

We care about peoples' needs, respect peoples' dignity, and value different worldviews.

We follow moral, ethical, and legal norms. We fairly fulfill our promises.

We work and set relationships based on the general European ethical norms.

Our highest values

Values of RI Group Managers - of Raiffeisen Bank Aval:

Lead, motivate and provide opportunity for our employees to develop and uncover their capabilities

- We set strategic and operational goals, and direct our activities to their successful completion

- We encourage entrepreneurship and initiative

- We empower out employees, creating the climate that motivates them to high performance

- We foster the development, satisfaction, andloyalty of our employees

- We see future teamwork as the basis for successful cooperation within the RZB Group and for its future development.

- We provide equal opportunities, based on the merit and reward performance.

Managers' Competencies

12 Main competencies of Raiffeisen Bank Aval Manager:

Professional skills

Client orientatation

Honesty and trust

Goal orientation