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Dkfm. Dr. Herbert STEPIC CEO, Raiffeisen International Bank-Holding AG, Vienna

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1965-1972 Studies at the Vienna University of Economics and Business Administration 1972 Doctorate in Economics and Commerce 1972 Assistant to the managing board in a private sector company 1973 Joined Genossenschaftliche Zentralbank AG (GZB), now Raiffeisen Zentralbank Österreich AG (RZB): Entrusted with establishing Raiffeisen s foreign-trade promotion department responsible for promoting the exports, particularly to overseas regions, of Raiffeisen Group customers 1977 Appointed Prokurist (authorized signatory), GZB, simultaneously appointed Managing Director of F.J. Elsner und Co., Vienna, a GZB subsidiary specializing in East-West trade 1978 Head, GZB's correspondent banking department: Responsible for establishing GZB s network of correspondent banks 1986 Appointed Director, Raiffeisen Zentralbank Österreich AG (RZB) 1987 Appointed Member, Board of RZB, responsible for RZB's international business 1995 Appointed Deputy Chairman, RZB 2001 CEO, Raiffeisen International Bank-Holding AG (Raiffeisen International), the holding company controlling RZB's banking subsidiaries in Central and Eastern Europe

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