RAIFFEISEN BANK SA

Raiffeisen Bank S.A. is a Romanian universal bank headquartered in Bucharest and wholly owned by Raiffeisen Bank International AG of Austria. It operates under authorization and supervision from the National Bank of Romania, with eligible retail and corporate deposits covered by the Romanian Bank Deposit Guarantee Fund up to the RON equivalent of EUR 100,000 per depositor per institution. The bank provides current and savings accounts in RON and major foreign currencies, debit and credit cards on Visa and Mastercard networks with contactless functionality and support for mainstream mobile wallet tokenization, domestic and cross-border payment services (including SEPA where applicable), and cash services via a nationwide branch and ATM network. Retail lending consists of unsecured consumer loans and mortgage products; business banking includes accounts for SMEs and corporates, cash management, trade finance, factoring, and access to leasing through group affiliates. Investment and savings options are available through time deposits and distribution of mutual funds managed by group asset management entities; bancassurance products are offered via insurance partners. Digital banking is provided through online and mobile channels with strong customer authentication, 3‑D Secure for e‑commerce, and transaction signing. Account opening is subject to know-your-customer and source-of-funds checks; income documentation is required for credit products. Pricing is set by published tariffs and package terms and may include monthly account fees, card issuance/maintenance fees, charges for out-of-network ATM withdrawals, foreign exchange markups, and transfer commissions; rates and fees vary by product and customer segment. Customers should consider currency risk on non-RON holdings, variable interest conditions, early repayment or break fees on certain products, and potential payment delays related to compliance or sanctions screening.