Partner banks of Raiffeisenbank: complete list. Raiffeisenbank: partner banks without commission Raiffeisen Bank partner network
According to Moody's international scale, Raiffeisenbank was assigned a Ba2 stable rating. A sustainable financial institution occupies Russian Federation 14th place in terms of net assets, 7th place in terms of net profit.
A reputable organization's counterparties are trustworthy. Russian banks that are partners of Raiffeisenbank have achieved no less outstanding results and, in addition, are loyal to the clients of a representative of a serious holding company from Austria. Partner units are ready to provide services to Raiffeisenbank cardholders 24 hours a day.
Number of devices
The country is expanding the list of places where you can pay cashless. But the need for cash bills is still great: to pay for a taxi fare, to tip the service staff, to buy Forbes magazine at the Rospechat kiosk.
The CFU under consideration offers users to use a network of their own devices for transactions with physical means of payment, a total of 2000 units of equipment. In addition, there are 16 thousand ATMs and terminals that provide services at home rates. Replenishment is available in 7.5 thousand modules.
Card holders are also serviced without commission by partner banks of Raiffeisenbank.
In Russian cities, including the capital Southern Urals in the city of Chelyabinsk, users of the RFB banking system can freely find equipment from eight participating banks for depositing/withdrawing cash.
Exchange dollar for Russian currency
Let's consider a situation where it is not possible to top up the card with rubles. The wallet contains only dollars and euros. You can deposit dollars or euros into plastic only in Raiffeisenbank units.
The operation of depositing cash currency through the banking module is more profitable in terms of conversion than exchanging at the cash desk. Although there is an even more profitable method of exchange - through online banking. All rates are listed on the website of the bank in question. For example, on November 2, the dollar exchange for is as follows:
- Internet Bank 1: 56.85;
- ATM 1: 56.65;
- Branch 1 cash desk: 56.40.
The calculator can summarize the results as percentages. Conversion through the banking module is 0.443% more profitable than transactions through the cash register. So, exchanging 1 thousand dollars through the device will give an additional 443 rubles compared to the transaction through the cash register.
Magnificent Eight
Clients using those received from Raiffeisenbank can make ruble transactions in the affiliate network of the analyzed financial institution without additional costs. The register includes eight banks, according to information from the official website as of October 29, 2017, that allow you to withdraw money without commission. Two banks from the list allow replenishment of plastic cards for consumers of RFB services.
Name of KFU partner | Transactions without commission |
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Top up |
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"Gazprombank" | |||
"Credit Bank of Moscow" | |||
"Rosselkhozbank" | |||
"UniCredit Bank" | |||
"BinBank" | |||
"Rosbank" | |||
Bank "URALSIB" | |||
"Energotransbank" | |||
The offices of the institutions "Binbank" and "Moscow Credit Bank" accept only Russian money from Raiffeisenbank clients and no more than 45 (forty-five) thousand rubles per transaction.
Raiffeisenbank issues 6 types of ruble loan cards and 15 types of debit cards, five of which allow transfers not only with Russian currency, but also with the dollar and the euro. But, we repeat that you can only work with currency in Raiffeisenbank machines.
The requested amount for cash withdrawal differs from the amount of funds to deposit.
Depending on the denomination of banknotes, ATM transaction limits may vary. Before making an investment or withdrawal paper money In the units of partner banks you can find out the balance of your card account for free.
The result depends on the denomination
ATMs are set to the number of banknotes. The technically possible maximum circulation volume of banknotes in the machine is 30 banknotes.
If the denomination of the money sheet is five thousand, then you can withdraw 150 thousand in one operation. A loaded unit will allow you to withdraw five times less at a time - only 30 thousand. The smaller the denomination of banknotes in the dispenser of the machine, the smaller the amount of money withdrawn.
Cashing and topping up in the city of white nights
In the city of St. Petersburg, 58 Raiffeisenbank units were recorded for withdrawing and depositing cash Money.
In addition, partner banks of Raiffeisenbank in St. Petersburg help RFB users get cash or top up their cards at the institutions:
- "Binbank";
- "Gazprombank";
- "Credit Bank of Moscow";
- "Rosbank";
- "Rosselkhozbank";
- "Uralsib";
- "Energotransbank";
- "UniCredit Bank".
The number of devices for receiving and issuing money in St. Petersburg varies among banks. Banks from the top twenty ratings are well represented in the city by the number of offices, ATMs and terminals.
In the only St. Petersburg branch of Energotransbank, an ATM has been installed to accept cash from partner clients.
"Moscow Credit Bank" currently has the only unit that accepts money in the city of St. Petersburg on Pulkovskoe Highway in the premises of the Avtodom car dealership. This information can be found on the financial institution’s website. MKB clients, if necessary, withdraw money from the modules of all partners, including through Raiffeisenbank devices, and deposit banknotes through the Alfa Bank unit.
How to identify a partner
The chain of mutual favors was confirmed and closed in a ring. This gives hope for the trouble-free use of plastic by both Raiffeisenbank and its partners.
Consumers of the services of partner banks can, if necessary, use Raiffeisenbank modules for depositing/withdrawing cash.
Each financial institution has developed a recognizable logo. It is useful for the reader-counterparty of the bank to know the “picture” of the institution in order to easily find the required machine.
Usually on the device body the bank logo is located on both sides and on the front side. In addition, information about the KFU website and emergency phone number is printed on the sides.
In RFB branches, near the ATMs, there is an information stand with the addresses of terminals and ATMs of partner banks.
Emergency banking assistance
The hotline provides advice to plastic holders in difficult and unusual situations. The client should conduct the conversation patiently and calmly, as most hotlines are robotic. Talking to a live operator is a rarity. Therefore, proposals and wishes should be presented clearly and concisely.
If you have any questions about working with ATMs without commission from Raiffeisenbank partner banks, the hotline will definitely help.
Incomplete namesake
Ukrainian Raiffeisenbank Aval is part of the International AG holding. The large bank has gained a high reputation in the market, consumers trust KFU, whose shareholders are RB with a share of 68.3% and with a capital ownership of 30%.
The political events of 2014 led to the closure of Aval branches in Russia, including the Republic of Crimea.
As of the date of writing this article, there are no partnerships between the Russian RFB and the Ukrainian Raiffeisenbank Aval. Clients of these banks will not be able to quickly use the units of their respective institutions either to withdraw or receive cash. Information received by calling the hotline.
Trust percentage
Depositing and withdrawing cash from plastic is carried out without commission.
To understand how convenient it is to have constant companions when conducting cash transactions, you should familiarize yourself with the percentages of payments when interacting with a “foreign” bank or “foreign” card, for example, a transfer.
Transfer from your own card to plastic from “other” banks:
- from debit - 1.5% of the transfer amount, but at least 50 Russian rubles, 3 American dollar or 3 euros;
- with credit - 3% of the sending amount + 300 Russian rubles.
Transfer within Raiffeisenbank to cards of other clients:
- from debit - no commission;
Transfer from plastic cards of “foreign” banks to your own RFB card.
No commission, but a transfer fee may be charged by the issuing bank of the item being written off. For example, if you transfer money from a “foreign” Sberbank debit card to the RFB credit card, then Sberbank will write off 0.3% for the service, and Raiffeisen will not take a penny.
Transferring money between Raiffeisenbank's own cards:
- from debit - no commission;
- from credit - 3% of the transfer amount plus 300 Russian rubles.
Participating banks work in a similar way. Transactions with cash do not impose burdens on the Raiffeisenbank client, regardless of whether the counterparty puts money on the card at an RFB ATM or deposits it through the units of partner banks. Only non-cash transfers are subject to interest deductions.
ZAO Raiffeisenbank is a 100% subsidiary bank of the Austrian banking group Raiffeisen Bank International AG. The bank has been operating in Russia since 1996 and provides a full range of services to private and corporate clients, residents and non-residents, in rubles and foreign currency. The Moscow Main Territorial Directorate of the Bank of Russia (BIK OPERU of the Moscow Main Territorial Directorate of the Bank of Russia 044525700) supervises the activities of Raiffeisenbank.
Assets
Story
2019
Changing the network structure and closing a number of branches
On October 4, 2019, Raiffeisenbank announced a change in the structure of its network and the closure of a number of branches that are the least popular among clients. Branches that continue to be in demand will continue to actively develop. The bank plans to improve the format of its offices, offering services that meet consumer models.
At the same time, Raiffeisenbank is increasing investments in the development of digital services. The bank is actively investing in a high-tech remote service model, as well as technological development of the contact center and branches. In 2019, the amount of investment in digital services almost doubled compared to 2018 and will continue to grow in 2020. All these measures will allow the bank to continue to dynamically develop its business in Russia and even more actively increase its client base.
| We are a universal bank for which a competitive branch network is very important, and we strive to focus our business model on the real needs of the client. We expect that the synergy of an effective retail network and technologically advanced remote service formats will allow us to increase the number of our clients in Russia by one and a half times in the next few years, noted Sergey Monin, Chairman of the Board of Raiffeisenbank |
The reorganization will affect 39 branches in cities with the largest retail networks, such as Moscow and St. Petersburg, Volgograd, Voronezh, Yekaterinburg, Irkutsk, Kazan, Krasnoyarsk, Novosibirsk, Omsk, Perm, Rostov-on-Don, Samara, Surgut, Tyumen. Ufa and Chelyabinsk. Raiffeisenbank will continue to serve all customer segments, including individuals, small, micro-business and corporate business, at other bank offices in these cities.
Merging the ATM network with Otkritie Bank
On April 8, 2019, Raiffeisenbank announced the merger of its ATM network with Otkritie Bank, thanks to which the bank’s clients will be able to withdraw cash without commission from 21 thousand devices throughout the country. The service is available to holders of debit and credit cards of Visa, MasterCard and Mir payment systems. The size of withdrawal limits depends on the category and tariff plan of the card.
As of April 8, Raiffeisenbank clients in Russia can withdraw cash without commission at more than 18 thousand ATMs. The agreement with Otkritie Bank will increase this number by 3 thousand devices.
2017: 29.1 billion rubles of net profit
In 2017, Raiffeisenbank earned 29.1 billion rubles in net profit compared to 23.3 billion rubles a year earlier, which means an average return on assets of 3.7%. The profit growth was achieved primarily due to a threefold reduction in contributions to reserves.
The share of problem loans of the bank, including impaired and overdue by 90 days or more, decreased to 4.3% in 2017 from 6.3% a year earlier. This is significantly lower than the level of problem debt in the Russian banking sector, which Moody’s estimates at 12% at the end of 2017. The coverage of problem loans by reserves at Raiffeisenbank remains at a high level and amounts to 79%, as of the end of 2017.
2016: Raiffeisenbank closed its Russian investment subsidiary
Raiffeisen Investment LLC specialized in supporting mergers and acquisitions (M&A) transactions and placement valuable papers. As follows from the Kartoteka database, the company was liquidated in February 2016.
As can be seen, the company, registered in 2007 - before the previous Russian crisis - failed to rise with the Russian economy six years ago and has generated losses totaling at least 126.2 million rubles since 2009, with revenues of 440.5 million ( There are no data for 2011, 2015).
According to the consulting and auditing firm KPMG, the total value of transactions in the Russian M&A market decreased last year by 29% to $55.8 billion. Both the number of transactions and their average bill decreased. So, if in 2014 there were almost 600 transactions with an average value of $169 million each, then in the past there were only 504 transactions, each of which amounted to $157 million. This was influenced by the economic recession, falling oil prices and difficult access to international financing. At the same time, on the global market, the total volume of transactions, on the contrary, increased by 30% to a record $4.3 trillion. As the AK&M agency notes, the largest share of mergers and acquisitions last year was occupied by transactions in the financial sector (65%). This is thanks to the Russian Central Bank: the main way to transfer ownership of banks has become reorganization: one bank undertakes to treat a bank that is on the edge of an abyss - as a rule, with the help of cheap government loans (from the DIA). M&A reviews also note the continued exodus of foreign shareholders from banks - due to the low profitability of work in the local market with the devaluation of the ruble and a reduction in lending. Over the past six years, Santander Consumer Finance, Barclays, Straumborg, Societe Generale, WestLB, KBC group, GE Money, Privatbank, DNB group, DFE, ICICI Bank, Royal Bank of Scotland have sold their Russian subsidiaries.
The sale of the Russian subsidiary was also considered by Raiffeisen Bank International (RBI), although the Russian Raif provided the group with more than 50% of all profits (for example, for the nine months of 2015, RBI’s Russian business brought in a net profit of €253 million, while the total The group's profit for this period amounted to €432 million). However, assets in Eastern Europe are considered high-risk, and in the end Raiffeisen chose between selling the Polish subsidiary and the Russian one - and settled on the Polish subsidiary.
The group is actively optimizing its Russian business: last year, Raiffeisen curtailed car lending in Russia and closed offices in 15 cities (remaining in 44), and also - as the last foreign player in the pension market - sold its non-state pension fund to the BIN group for 7 billion rubles.
As indicated in the ranking of investment consultants by the magazine "Mergers and Acquisitions", in 2015, Raiffeisen was able to carry out only one transaction worth $49 million. The consultants helped the Norwegian Orkla sell its Russian subsidiary Orkla Brands Russia (it owns four confectionery factories) to Belgorod confectionery holding "Slavyanka".
2015: Plan for the sale of 20% of assets to cover possible losses
Raiffeisen Bank International AG (RBI), the third largest Austrian bank, was faced with the need to increase its buffer capital (intended to cover possible losses due to the difficult economic situation). To achieve this, RBI will sell more than 20% of its assets, focusing on developing sustainable profitable business areas, the bank said in a statement.
The RBI notes that it came under pressure due to the conflict in Ukraine, which affected the activities of its Russian subsidiary, and the sharp strengthening of the Swiss franc. The Russian business of the group is the largest source of its profit: in the first 9 months of 2014, the contribution of the Russian subsidiary, Raiffeisenbank, to the group’s profit amounted to 55%, increasing from 42% in 2013 and 37% in 2012. For the entire 2014, the subsidiary’s profit will be significantly higher than €300 million; RBI also expects a positive result in Russia in 2015. However, the reduction in assets will also affect it, the report notes, but there is no talk of selling the business in Russia.
As Sergei Monin, chairman of the board of Raiffeisenbank, explained to RBC, concrete solutions in Russia not yet, but a reduction in lending volumes is possible due to the difficult economic situation; to what extent is too early to say. “We have very high credit quality standards, which we maintain. Our traditionally tough credit policy now does not allow us to issue so much that the portfolio does not shrink,” Monin clarified.
At the beginning of January 2015, the group announced its intention to revise medium-term plans for Russian business due to the sharp weakening of the ruble. “The changed economic situation could lead to a deterioration in the future results of the Russian division and a potential revision of goodwill, which arose as a result of the acquisition of Impexbank in 2006 and at the end of the year will amount to €148 million, taking into account adjustments,” says an official statement published on 5 January 2015.
Another reason for the RBI's problems was the sharp strengthening of the franc following the decision of the Swiss central bank on January 15, 2015 to remove the ceiling on the franc-euro exchange rate that had been in place for more than three years. Immediately after the regulator’s announcement, the franc jumped to the dollar and euro by more than 30%, and RBI investors began to worry about the group’s business in Central Europe, where, according to Moody’s Investors Service, the group had €4.3 as of September 2014 billion issued loans, mainly mortgages, in Swiss francs.
2013: Systemically important bank in the Russian Federation
By orders dated January 30, 2013 No. OD-102, No. OD-103 and No. OD-104, the head of the Central Bank, Elvira Nabiullina, transferred Gazprombank, Promsvyazbank and Raiffeisenbank from the supervision of the Central Bank Main Directorate for the Central Bank. federal district directly to the central office of the Central Bank - under the supervision of the director of the department of supervision of systemically important banks, Mikhail Kovrigin. These banks were the first to be recognized by the regulator as systemically important and subject to a special supervision regime.
This department within the structure of the Central Bank was created on October 1, 2013 to establish special supervision over the largest players. However, the list of such systemically important banks is not yet ready: according to Directive No. 3174-U “On determining the list of systemically important credit institutions,” the Central Bank should have started preparing this list only after the document came into force, that is, from February 2 of this year. It is expected that it will include banks whose assets constitute 0.17% or more of the total assets of the Russian banking sector. In addition, the volume of attracting deposits from individuals and transactions on the interbank market should also be 0.17% of the total market indicator. Experts believe that about 20 banks may fall under such supervision.
2010: Aaa.ru reliability rating from Moody`s
In 2010, Raiffeisenbank is one of the most reliable banks in Russia: Moody's Interfax Rating Agency assigned the Bank a long-term credit rating on the national scale at the Aaa.ru level. Moody`s Investors Service assigned the following ratings to Raiffeisenbank: Baa3 long-term and Prime-3 short-term ratings of deposits in foreign and national currencies. Raiffeisenbank is represented in 45 regions of the Russian Federation, and the number of branches is about 240.
2009: The cashier takes 11 million rubles out of the department
A photograph of Rosa Aglemzyanova appeared in the database of the Ministry of Internal Affairs of Tatarstan after August 2009. Then 24-year-old Aglemzyanova freely smuggled 11.4 million rubles through Raiffeisenbank security guards and did not show up for work the next day.
The crime was loud. Aglemzyanova became famous throughout the country, but her search was unsuccessful.
In 2010, Raiffeisenbank obtained through the court the recognition of Aglemzyanova as missing or deceased. The Tatarstan police, commenting on the circumstances of the theft, assumed that the cashier was not alive.
It turned out that the girl was part of a criminal group where cruel rules reigned and they had already dealt with her.
Aglemzyanova disappeared from Kazan with her six-year-old daughter and a member of that same organized crime group, Ildar Giniyatullin. He was detained in connection with the shooting in 2014 in Leningrad region for a robbery against postmen near the Shcheglovo post office. His partner was Aglemzyanova. She managed to escape, although she was wounded. In 2015, Giniyatullin was sentenced to 13 years in prison.
In October 2019, fugitive cashier Rosa Aglemzyanova was detained in St. Petersburg. At the time of her arrest, Rosa was already 34 and was living on someone else’s passport. Aglemzyanova was caught in a series of robberies against jewelry stores 585.
2006: Purchase and merger of Impexbank
At the beginning of 2006, the Raiffeisen International Group acquired 100% of the shares of OJSC IMPEXBANK; in March 2007, an official decision was made on the start date for the reorganization of OJSC IMPEXBANK in the form of merger with ZAO Raiffeisenbank Austria.
2003: Founding of the management company Raiffeisen Capital
Management Company "Raiffeisen Capital" in Russia was founded in 2003 and is a 100% subsidiary of JSC Raiffeisenbank.
▼ €8.3 billion (2014)
▼ € -493 million (2014)
▼ €122 billion (2014)
Story
The banking group in Austria was founded in 1927 under the name Genossenschaftliche Zentralbank. Subsequently changed the name several times, the word Raiffeisen appeared in the name in 1989 in honor of Friedrich Wilhelm Raiffeisen, a German public figure and a pioneer of the cooperative movement. In 1938, immediately after the occupation of Austria by Germany, the banking group was nationalized; in 1955 it was returned to its previous owners.
Raiffeisen's first subsidiary in Eastern Europe was opened in 1987. After 2000, the group expanded its presence in central and eastern Europe, and in 2003 the subsidiaries in these countries were merged into Raiffeisen International. In 2010, Raiffeisen International was merged with the group's main bank, Raiffeisen Zentralbank Österreich AG, the new bank was named Raiffeisen Bank International, in turn it is part of the Raiffeisen Bank Group. Of the group's €295 billion in assets, €122 billion in 2014 was accounted for by Raiffeisen Bank International.
Activity
Raiffeisen Bank Group calls itself the largest banking group in Austria by assets, and The Banker magazine included it in the second hundred largest banks in the world. Raiffeisen owns subsidiary banks in 16 Eastern European countries:
| A country | Name | Assets, billion € |
Change in Assets in a year, % |
Branches | Employees |
|---|---|---|---|---|---|
| Albania Albania | Raiffeisen Bank Sh.a. | 1,976 | -5,2 | 92 | 1326 |
| Belarus Belarus | Priorbank | 1,536 | 6,2 | 97 | 2176 |
| Bosnia and Herzegovina Bosnia and Herzegovina | Raiffeisen Bank d.d. Bosna i Hercegovina | 1,944 | -3,9 | 96 | 1434 |
| Bulgaria Bulgaria | Raiffeisenbank (Bulgaria) E.A.D. | 3,223 | 0,6 | 156 | 2751 |
| Hungary Hungary | Raiffeisen Bank Zrt. | 6,936 | 11,3 | 114 | 2298 |
| Kazakhstan Kazakhstan | 0,028 | -24,8 | 1 | 9 | |
| Kosovo Kosovo | Raiffeisen Bank Kosovo JSC | 0,778 | 11,2 | 52 | 705 |
| Poland Poland | Raiffeisen Bank Polska S.A. | 13,729 | 6,6 | 351 | 5462 |
| Russia, Russia | Raiffeisenbank | 12,457 | -19,9 | 212 | 8252 |
| Romania Romania | Raiffeisen Bank S.A. | 6,920 | 6,0 | 529 | 5292 |
| Serbia Serbia | Raiffeisen banka a.d. | 1,885 | 0,5 | 85 | 1581 |
| Slovakia Slovakia | Tatra banka, a.s. (1) | 10,215 | 2,1 | 178 | 3816 |
| Slovenia Slovenia | Raiffeisen Banka d.d. | 1,146 | -14,6 | 14 | 230 |
| Ukraine Ukraine | Raiffeisen Bank Aval | 2,481 | -42,7 | 671 | 11 478 |
| Croatia Croatia | Raiffeisenbank Austria d.d. | 4,647 | -2,1 | 77 | 2127 |
| Czech Republic Czech Republic | Raiffeisenbank a.s. (2) | 8,794 | 10,1 | 127 | 2720 |
Notes: (1) Raiffeisen Bank International - 78.57%
(2) Raiffeisen Bank International - 75%, Raiffeisenlandesbank Oberösterreich - 25%
In 2003, the development company Raiffeisen Evolution Emerges (REE) was created, operating in Austria and Eastern Europe. 60% of the company belongs to the Raiffeisen bank, 20% each to the construction company Strabag AG and the insurance company Uniqa Versicherungen AG.
Raiffeisen in Russia
The bank has a subsidiary bank in Russia - Raiffeisenbank.
In accordance with the report on the additional issue of ordinary shares of the company OJSC AK Savings Bank of the Russian Federation, as of March 2007, Raiffeisen Zentralbank owned 0.05% of Sberbank shares.
Raiffeisen in Ukraine
In 2005, the Raiffeisen Bank International group acquired 93.5% of the shares of Aval Bank for $1.028 billion.
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Excerpt characterizing Raiffeisen Bank International
“Dear fathers, Orthodox Christians, save, help, my dear!.. someone help,” she said through sobs. - A girl!.. A daughter!.. They left my youngest daughter!.. She burned down! Oh oh oh! That's why I cherish you... Oh oh oh!“That’s enough, Marya Nikolaevna,” the husband addressed his wife in a quiet voice, obviously only to justify himself to a stranger. - My sister must have taken it away, otherwise where else would I be? - he added.
- Idol! The villain! – the woman screamed angrily, suddenly stopping crying. “You have no heart, you don’t feel sorry for your brainchild.” Someone else would have pulled it out of the fire. And this is an idol, not a man, not a father. “You are a noble man,” the woman quickly turned to Pierre, sobbing. “It caught fire nearby,” he said to us. The girl screamed: it’s burning! They rushed to collect. They jumped out in what they were wearing... That's what they captured... God's blessing and a dowry bed, otherwise everything was lost. Grab the children, Katechka is gone. Oh my God! Ooo! – and again she began to sob. - My dear child, it burned! burned!
- Where, where did she stay? - said Pierre. From the expression on his animated face, his woman realized that this man could help her.
- Father! Father! – she screamed, grabbing his legs. “Benefactor, at least calm my heart... Aniska, go, you vile one, see her off,” she shouted at the girl, angrily opening her mouth and with this movement showing off her long teeth even more.
“Show me off, show me off, I’ll... I’ll... I’ll do it,” Pierre said hastily in a breathless voice.
The dirty girl came out from behind the chest, tidied up her braid and, sighing, walked forward along the path with her blunt bare feet. Pierre seemed to suddenly come to life after a severe faint. He raised his head higher, his eyes lit up with the sparkle of life, and he quickly followed the girl, overtook her and went out onto Povarskaya. The entire street was covered in a cloud of black smoke. Tongues of flame burst out here and there from this cloud. A large crowd of people crowded in front of the fire. A French general stood in the middle of the street and said something to those around him. Pierre, accompanied by the girl, approached the place where the general stood; but French soldiers stopped him.
“On ne passe pas, [They don’t pass here,”] a voice shouted to him.
- Here, uncle! - said the girl. - We'll go through the Nikulins along the alley.
Pierre turned back and walked, occasionally jumping up to keep up with her. The girl ran across the street, turned left into an alley and, after passing three houses, turned right into the gate.
“Right here now,” said the girl, and, running through the yard, she opened the gate in the plank fence and, stopping, pointed to Pierre a small wooden outbuilding that burned brightly and hotly. One side of it collapsed, the other was burning, and the flames were shining brightly from under the window openings and from under the roof.
When Pierre entered the gate, he was overcome with heat, and he involuntarily stopped.
– Which, which is your house? - he asked.
- Oh oh oh! - the girl howled, pointing to the outbuilding. “He’s the one, she’s the one who was our Vatera.” You burned, my treasure, Katechka, my beloved young lady, oh, oh! - Aniska howled at the sight of the fire, feeling the need to express her feelings.
Pierre leaned towards the outbuilding, but the heat was so strong that he involuntarily described an arc around the outbuilding and found himself next to a large house, which was still burning only on one side of the roof and around which a crowd of French were swarming. Pierre at first did not understand what these French were doing, carrying something; but, seeing in front of him a Frenchman who was beating a peasant with a blunt cleaver, taking away his fox fur coat, Pierre vaguely understood that they were robbing here, but he had no time to dwell on this thought.
The sound of the crackling and roar of collapsing walls and ceilings, the whistle and hiss of flames and the animated cries of the people, the sight of wavering, now scowling thick black, now soaring lightening clouds of smoke with sparkles and sometimes solid, sheaf-shaped, red, sometimes scaly golden flame moving along the walls , the sensation of heat and smoke and the speed of movement produced on Pierre their usual stimulating effect of fires. This effect was especially strong on Pierre, because Pierre suddenly, at the sight of this fire, felt freed from the thoughts that were weighing him down. He felt young, cheerful, agile and determined. He ran around the outbuilding from the side of the house and was about to run to the part of it that was still standing, when a cry of several voices was heard above his head, followed by the cracking and ringing of something heavy that fell next to him.
Pierre looked around and saw the French in the windows of the house, who had thrown out a chest of drawers filled with some kind of metal things. Other French soldiers below approached the box.
“Eh bien, qu"est ce qu"il veut celui la, [This one still needs something," one of the French shouted at Pierre.
- Un enfant dans cette maison. N"avez vous pas vu un enfant? [A child in this house. Have you seen the child?] - said Pierre.
– Tiens, qu"est ce qu"il chante celui la? Va te promener, [What else is this interpreting? “Get to hell,” voices were heard, and one of the soldiers, apparently afraid that Pierre would take it into his head to take away the silver and bronze that were in the box, advanced threateningly towards him.
- Un enfant? - the Frenchman shouted from above. - J"ai entendu piailler quelque chose au jardin. Peut etre c"est sou moutard au bonhomme. Faut etre humain, voyez vous... [Child? I heard something squeaking in the garden. Maybe it's his child. Well, it is necessary according to humanity. We all people…]
Raiffeisenbank was registered in mid-1996 as a credit institution with 100% Austrian capital under the name "Raiffeisenbank Austria". The Central Bank of the Russian Federation received a general license in 2001, and in the same year it was transformed into a closed joint-stock company.
At the beginning of 2006, OJSC "IMPEXBank" (see "Book of Memory"), which was once a bridger for Boris Ivanishvili's Russian Credit Bank, became one of the banks of the Raiffeisen group *. (Raiffeisen). The merger of the Russian Raiffeisenbank and IMPEXBank was completed in November 2007. Since December 2007, the merged bank has been operating under the name Closed Joint Stock Company Raiffeisenbank.
Russian Raiffeisenbank has about 200 separate divisions, including 7 branches (in St. Petersburg, Moscow, Yekaterinburg, Novosibirsk, Nizhny Novgorod, Krasnodar and Khabarovsk), 98 additional, 86 operational, 6 credit and cash offices and 4 operational cash desks outside the cash desk. The organization serves over 12 thousand corporate clients and more than 1,900 ATMs are available to plastic card holders, serving over 12,000 corporate clients. The average number of personnel exceeds 9.3 thousand people.
Raiffeisen Zentralbank (RZB) is the third largest bank in Austria and one of the leading commercial and investment banks in the country. In addition to Austria, the bank has a strong presence in Central and Eastern Europe, serving approximately 15 million customers through more than 3,150 branches. RZB is the flagship of the Raiffeisen Banking Group (RBG). RBG's total assets as of December 31, 2009 were €260.3 billion.
Structure of Raiffeisen Banking Group in Austria
The 3-tier Raiffeisen cooperative banking group consists of RZB - the central organization for 8 autonomous regional banks (called Raiffeisenlandesbanks), which are shareholders of RZB, and 535 local banks (called Raiffeisenbanks), which are owned by 8 regional banks. The first Raiffeisenbank was created in 1886, and after just 10 years there were more than 600 of them. Beginning in 1894, local Raiffeisen banks began to form regional Raiffeisen banks (Raiffeisenlandesbanks) and in 1927 the Raiffeisen Zentralbank (RZB) was established.
Raiffeisen Zentralbank address:
Am Stadtpark 9, A-1030 Vienna
Tel: +43-1-71707-0
Website: http://www.rzb.at
Raiffeisenbank in Russia
ZAO Raiffeisenbank is a 100% subsidiary bank of the Austrian banking group Raiffeisen. The bank has been operating in Russia since 1996 and provides a full range of services to private and corporate clients, including consumer and mortgage loans, car loans, credit cards, bank deposits, deposits, lending to small and medium-sized businesses, cash management services, salary transfer services, treasury services. Today, Raiffeisen is represented in 75 cities, from Kaliningrad to Kamchatka, and has the largest service network among foreign banks in Russia, which includes more than 250 branches and over 1,000 ATMs.
