TOP 200 BANKS IN CEE 2010 EDITION

September 2010 by Intelace Research

TABLE OF CONTENT

1. CEE-15 Banking Market Slide 1: CEE banking markets: size vs. growth matrix, 2007-2009 Slide 2: Banking assets penetration Slide 3: Bank assets in CEE-15 by country, 2008-2009 Slide 4: Top 10 Investors in CEE banks, 2009 Slide 5: Report coverage: Number of large banks by country, 2008/2009 Slide 6: CEE-15 and Top 200 assets evolution 2007/2009 Slide 7: Profitability of Top 200 banks, 2009: ROAE, ROAA

TOP 200 BANKS IN CEE-15 2010 EDITION

2. List of 200 major banks on the CEE-15 banking market as of 2009 Slide 8: Top 200 - League table: Banks 1-25 Slide 9: Top 200 - League table: Banks 26-50 Slide 10: Top 200 - League table: Banks 51-75 Slide 11: Top 200 - League table: Banks 76-100 Slide 12: Top 200 - League table: Banks 101-125 Slide 13: Top 200 - League table: Banks 126-150 Slide 14: Top 200 - League table: Banks 151-175 Slide 15: Top 200 - League table: Banks 176-200 Note on methodology

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Intelace Research

AGENDA

TOP 200 BANKS IN CEE-15 2010 EDITION

CEE-15 Banking Market TOP 200 CEE banks league table

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Intelace Research

BANKING MARKETS IN THE CEE-15* AREA SIZE VS.GROWTH

CEE-15* banking markets - Size vs. growth matrix, 2007-2009
28 26 Low growth Moderate growth Slovenia

52

24
Banking assets per capita, 2009, `000 EUR 22 20 18 Estonia Czech Republic x Total banking assets, 2009 in billion EUR
TOP 200 BANKS IN CEE-15 2010 EDITION

16

21
Latvia
Lithuania Slovakia

31

14 12 10 8 6 4 2 0

155 53

Croatia

Hungary

126

53
Poland
Romania

24
BiH

258 78 36 23
Serbia

Bulgaria

11
3%

7
Albania 5%

5 FYROM
(Macedonia) 9% 11% 4

-1%

1%

7%

Average annual assets growth (CAGR), 2007-2009, in EUR, %

* Major 15 CEE countries. Russia, Ukraine and Belarus not included Intelace Research Source: Central banks, IMF, Intelace Research

ASSET PENETRATION VARIES STRONGLY ACROSS THE CEE-15 AREA

Banking assets/capita, 2009 EUR `000

Slovenia 25.7 15.4 14.8 13.5 12.6 11.9 9.8 7.2 6.8 4.8 3.5 3.0 2.6 2.4 2.0
CEE-15 weighted average: 7.4

Banking assets/GDP, 2009 percent

Latvia Estonia Slovenia Hungary Croatia Czech Rep Bulgaria Lithuania BiH Slovak Rep Albania Poland Macedonia Serbia Romania 167% 150% 144% 132% 116% 112% 111% 93% 85% 82% 81% 79% 77% 73% 67% 5
CEE-15 weighted average: 96
TOP 200 BANKS IN CEE-15 2010 EDITION

Estonia
Czech Rep Latvia Hungary Croatia Slovak Rep Lithuania Poland Bulgaria

Romania
Serbia BiH Macedonia Albania

Source: Central banks, IMF, National Statistical Offices

Intelace Research

DURING 2009 BANKING ASSETS IN CEE-15 COUNTRIES INCREASED BY ~1%, REACHING EUR 932 BILLION
in EUR billion
Banking Assets, EoY 2008 Poland Czech Rep Hungary Romania Slovak Rep Croatia Slovenia 150.2 121.3 249.7 Assets increase during 09, due to:

Highest growth rate

Nominal Growth*
4.6 1.7 7.6 3.9 -10.9 1.1 4.2 0.7 -2.2 -1.6 -1.3 4.0 -0.2

Local currency appreciation**

3.9 2.6 -2.7 -4.5 0 0.1 0 0 0 0 0 -1.5 0

Banking Assets, EoY 2009 258.2 154.6 126.2 78.3 53.0 52.8 51.8 36.3 30.8 24.3 22.5 20.6 10.6 6.5

Assets growth % 3.4

2.9
4.0 -0.8 -17.0 2.3 8.8 2.0
TOP 200 BANKS IN CEE-15 2010 EDITION

79.0
63.9 51.6 47.6 35.6 33.0 25.9 20.1 21.9 10.8 6.8 4.6

Bulgaria
Latvia Lithuania Estonia Serbia BiH Albania Macedonia Total CEE 15

-6.7
-6.2 12.4 -6.1 -1.6 -4.3

0.4
0.4

-0.7 0

5.0

8.5 1.1
6

922

13

-3

932

* Growth (during 2009) in local currency divided by exchange rate as of EoY 2009 ** Appreciation vs. EUR Intelace Research Source: Central banks, Intelace Research

UNICREDIT IS THE MAJOR FOREIGN INVESTOR IN CEE BANKING SECTOR

Top 10 foreign investors in CEE banks, 2009
Controlled assets EUR billion
UniCredit Erste KBC Raiffeisen Socit Gnrale Intesa Sanpaolo ING Commerzbank Swedbank OTP 56.9 48.5 36.2 23.7 22.5 20.9 17.8 454.9
* Share in CEE region (combined) Source: Banks, Intelace Research
Intelace Research

Rank 1 2 3 4 5 6 7 8 9 10

Bank

Number of countries where bank is present

Market share* percent 12

9.3

82.0
73.7 72.6 6 9

8.4
8.3

TOP 200 BANKS IN CEE-15 2010 EDITION

11 7

6.5 5.5

8
5 3 3

4.1 2.7 2.6 2.4

2.0

51.8

ALMOST THE HALF OF TOP CEE BANKS COME FROM 4 MAJOR MARKETS: POLAND, CZECH REPUBLIC, HUNGARY AND ROMANIA
TOP 200 banks in CEE - number of banks by country* Report Coverage
Countries covered Estonia

as of 2009
Poland Czech Rep Hungary Romania Slovenia Bulgaria
Ukraine

change 2009/2008
30 24
22 21 18 14 13 13 11 9 8 6 4 4 3 0 0 0 8 -1 1 1 0 -1 1 0 0

-2 -1
1 1
TOP 200 BANKS IN CEE-15 2010 EDITION

Latvia Lithuania Russia Belarus Germany Czech Slovakia Austria Hungary Poland

Slovak Rep Serbia Latvia

Slovenia Croatia Bosnia

Montenegro**

Romania

Croatia Lithuania

Serbia

Bulgaria

Macedonia Albania Greece

Bosnia Albania Estonia Macedonia

* Top 200 qualifying condition: Assets worth EUR 571 m. (2009) vs. EUR 654 m. (2008) ** Montenegro not included Intelace Research Source: Banks, Intelace Research

TOP 200 CEE BANKS ACCOUNT FOR MORE THAN 90% OF CEE BANKING ASSETS

CEE-15 bank assets, 2007-2009 EUR billion, percent

Assets value of bank #200 in CEE-15 EUR million

x

2009/2007 CAGR, %
TOP 200 BANKS IN CEE-15 2010 EDITION

922 100% = 819 Other 9.5 9.3

932 9.7

+7 +8 618 -4 654 571

TOP 200 banks

90.5

90.7

90.3

+6

2007

2008

2009

2007

2008

2009

TOP200 banks hold most banking assets on CEE15 markets

Source: Intelace Research
Intelace Research

Top 200 league qualifying level fell down in 2009

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PROFITABILITY OF CEE BANKS DECREASED IN 2009

ROAE** distribution for Top 200*, 2009 in percent

Top 200 - average profitability ratios*, 2008-2009 in percent as of 2008 as of 2009

ROAE** 50 40 30 20 10 0 -10 0 -20 -30 -40 -50 5 10 15 20 25 30 35 ROAE** 15.47 6.81

TOP 200 BANKS IN CEE-15 2010 EDITION

Asset size billion EUR

ROAA**

1.31

0.61

Number of banks reporting a net loss in 2009: 40

CEE banks profitability fell down sharply in 2009

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Intelace Research

* Not weighted average for 180 banks. Excluded branches of foreign banks ** ROAE Return on average equity, ROAA Return on average assets Source: Intelace Research

AGENDA

TOP 200 BANKS IN CEE-15 2010 EDITION

CEE Banking Market TOP 200 CEE banks league table

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (1/8)

Rank 2009 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Rank 2008 1 2 4 3 6 5 7 10 9 8 14 11 12 15 13 22 25 17 16 21 18 26 19 23 20 2009 Assets EURm 37,402 30,895 28,444 27,772 24,948 22,862 17,675 15,509 15,262 14,545 12,704 12,644 11,333 11,255 10,962 10,733 10,717 10,703 10,180 9,999 9,550 9,472 9,288 9,086 9,014 2008 Assets EURm 31,458 30,676 26,230 27,063 21,800 22,650 17,343 14,477 16,187 16,667 12,205 13,233 12,359 12,005 12,356 10,033 9,940 11,028 11,477 10,348 10,852 9,257 10,679 10,051 10,551 2009 Equity EURm 4,912 4,374 2,305 2,177 3,514 2,367 928 1,178 1,503 1,148 1,934 1,337 753 670 1,098 952 625 613 980 1,114 964 646 535 508 808 2009 Net profit EURm 592 599 816 425 584 392 14 -24 263 142 166 240 12 68 184 48 87 20 17 105 146 40 -78 16 95 State UniCredit KBC Erste Group

UNCONSOLIDATED FIGURES

Bank Name PKO Bank Polski S.A. Bank Pekao S.A. eskoslovensk obchodn banka a.s. esk spoitelna a.s. OTP Bank Nyrt. Komern banka a.s. BRE Bank S.A. Nova Ljubljanska banka d.d. Banca Comercial Romn S.A. ING Bank lski S.A. Zagrebaka Banka D.D. BZ WBK S.A. Slovensk sporitea a.s. Kereskedelmi s Hitelbank Zrt. BRD Groupe Socit Gnrale S.A. MKB Bank Zrt. Erste Bank Hungary Nyrt. Bank Millennium S.A. CIB Bank Zrt. (c) UniCredit Bank Czech Republic a.s. Veobecn verov banka a.s. Kredyt Bank S.A. Swedbank Raiffeisen Bank Zrt. Tatra banka a.s. (c)

Country Poland Poland Czech Republic Czech Republic Hungary Czech Republic Poland Slovenia Romania Poland Croatia Poland Slovak Republic Hungary Romania Hungary Hungary Poland Hungary Czech Republic Slovak Republic Poland Estonia Hungary Slovak Republic

Major Shareholder

Various legal subjects Socit Gnrale Commerzbank State Erste Group ING UniCredit AIB Erste Group KBC Socit Gnrale BayernLB Erste Group BCP Intesa Sanpaolo UniCredit Intesa Sanpaolo KBC Swedbank Raiffeisen Raiffeisen
TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (2/8)

Rank 2009 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 Rank 2008 24 27 66 28 41 35 31 29 34 32 30 44 36 38 40 42 46 71 39 33 43 37 69 55 64 2009 Assets EURm 8,874 8,831 8,317 8,047 8,045 7,313 7,301 6,966 6,699 6,414 6,344 6,228 6,089 5,943 5,889 5,406 5,354 5,269 5,250 5,246 5,139 5,112 5,099 5,012 4,972 2008 Assets EURm 9,886 8,703 3,779 6,572 5,586 6,036 6,749 7,481 6,222 6,654 7,479 5,131 5,776 5,761 5,631 5,512 4,900 3,604 5,760 6,626 5,360 5,770 3,660 4,377 3,779 2009 Equity EURm 1,493 1,342 837 1,325 699 339 497 412 759 585 748 777 312 525 835 745 FB 870 518 558 295 566 859 265 293 2009 Net profit EURm 128 113 14 21 77 111 75 -448 83 57 -427 52 64 26 99 56 -41 16 -305 -15 n/a 29 80 15 35 Citibank

UNCONSOLIDATED FIGURES

Bank Name Citibank handlowy S.A. Privredna Banka Zagreb D.D. BPH/GE BGK S.A. Getin Noble Bank OTP Jelzlogbank Zrt. Raiffeisenbank a.s. AB SEB Bankas Erste & Steiermrkische Bank D.D. UniCredit Bank Hungary Zrt. (c) Swedbank Hypoten banka a.s. eskomoravsk stavebn spoitelna a.s. BG S.A. Unicredit Bulbank Raiffeisenbank Austria D.D. Polbank EFG Hypo Alpe-Adria-Bank D.D. AB Swedbank eskoslovensk obchodn banka a.s. Volksbank Romnia S.A. Raiffeisen Bank Polska S.A. GE Money Bank a.s. Alpha Bank Romania S.A. Nordea

Country Poland Croatia Poland Poland Poland Hungary Czech Republic Lithuania Croatia Hungary Latvia Czech Republic Czech Republic Poland Bulgaria Croatia Poland Croatia Lithuania Slovak Republic Romania Poland Czech Republic Romania Poland

Major Shareholder

Intesa Sanpaolo GE Capital State GETIN Holding SA OTP Raiffeisen SEB Erste Group UniCredit Swedbank KBC (via SOB) KBC (via SOB) Rabobank UniCredit Raiffeisen EFG Eurobank Hypo Alpe-Adria-Bank Swedbank KBC Volksbank International Raiffeisen GE Capital Alpha Bank Nordea Bank
TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (3/8)

Rank 2009 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 Rank 2008 49 74 56 53 50 57 62 54 48 61 59 52 68 60 58 70 67 47 63 65 72 73 79 80 75 Fortis BNP CEC Bank S.A. UniCredit Tiriac Bank S.A. Nova KBM d.d. Raiffeisen Bank S.A. Banca Transilvania S.A. Abanka Vipa d.d. Dsk Bank ING Bank N.V. Prague Branch Magyar Fejlesztsi Bank Zrt. United Bulgarian Bank AS SEB Pank DB PBC Citibank Europe plc organizan sloka SEB banka Stavebn spoitelna esk spoitelny a.s. Splitska Banka D.D. Parex banka AB DnB NORD bankas Bancpost S.A. Raiffeisenbank (Bulgaria) BUDAPEST Bank Nyrt. UniCredit Banka d.d. Banca Intesa a.d. Beograd Nordea Bank Finland Latvia branch 2009 Assets EURm 4,944 4,921 4,833 4,789 4,733 4,606 4,512 4,468 4,274 4,239 4,167 4,137 4,124 4,005 3,818 3,810 3,781 3,505 3,458 3,451 3,395 3,328 3,267 3,212 3,196 2008 Assets EURm 4,767 3,397 4,379 4,565 4,738 4,270 3,823 4,432 4,777 3,876 3,960 4,615 3,728 3,888 4,296 3,648 3,743 4,848 3,794 3,761 3,517 3,503 2,891 2,824 3,294 2009 Equity EURm 333 384 515 368 443 420 364 720 FB 524 534 351 315 FB 305 210 435 217 235 365 463 370 191 297 FB 2009 Net profit EURm -104 4 (g) 81 12 n/a 15 23 88 35 15 51 -93 -10 n/a -180 57 43 -158 -117 n/a 26 37 9 63 -23 BNP State UniCredit State Raiffeisen EBRD State OTP ING State NBG SEB Deutsche Bank Citibank SEB Raiffeisen

UNCONSOLIDATED FIGURES

Bank Name

Country Poland Romania Romania Slovenia Romania Romania Slovenia Bulgaria Czech Republic Hungary Bulgaria Estonia Poland Czech Republic Latvia Czech Republic Croatia Latvia Lithuania Romania Bulgaria Hungary Slovenia Serbia Latvia

Major Shareholder

TOP 200 BANKS IN CEE-15 2010 EDITION

Societe Generale legal subjects DnB NORD EFG Eurobank Raiffeisen GE Capital TRIGLAV, D.D. Intesa Sanpaolo Nordea Bank

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure (g) Gross profit as at 30 June 2009 Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (4/8)

Rank 2009 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 Rank 2008 51 93 78 82 87 86 106 88 89 90 91 118 84 96 83 76 85 95 97 77 94 81 102 98 103 2009 Assets EURm 3,185 3,101 3,096 3,081 3,046 3,036 3,025 3,018 2,916 2,874 2,737 2,683 2,598 2,560 2,514 2,503 2,468 2,426 2,414 2,372 2,369 2,348 2,332 2,251 2,146 2008 Assets EURm 4,652 2,547 2,964 2,780 2,696 2,702 2,088 2,675 2,659 2,626 2,600 1,799 2,738 2,415 2,783 3,287 2,718 2,502 2,416 3,027 2,506 2,801 2,262 2,325 2,183 2009 Equity EURm 428 FB 133 383 282 114 322 301 214 159 256 216 FB 199 178 FB 82 258 211 289 FB 206 194 262 188 2009 Net profit EURm 22 1 32 10 24 14 1 13 3 17 23 24 n/a 7 -124 20 -13 22 6 80 -12 31 3 n/a 4

UNCONSOLIDATED FIGURES

Bank Name UniCredit Bank Slovakia a.s. Nordea Bank Raiffeisen stavebni spoitelna a.s. Eurobank EFG Bulgaria FHB Jelzlogbank Nyrt. BPS SID banka d.d. Ljubljana Lukas Bank BOS Modr pyramida stavebn spoitelna a.s. SKB banka d.d. Eurobank ING Bank N.V. Banka Celje d.d. (c) DnB NORD Banka COMMERZBANK AG Prague Branch Dexia banka Slovensko a. s. Banka Koper d.d. Santander Citibank Zrt. Nordea Bank, Lietuvos skyrius eskomoravsk zrun a rozvojov banka a.s. Hypo Alpe-Adria-bank d.d. Piraeus Bank Romania S.A. Raiffeisen BANK d.d. BiH

Country Slovak Republic Estonia Czech Republic Bulgaria Hungary Poland Slovenia Poland Poland Czech Republic Slovenia Poland Romania Slovenia Latvia Czech Republic Slovak Republic Slovenia Poland Hungary Lithuania Czech Republic Slovenia Romania BiH

Major Shareholder UniCredit Nordea Bank Socit Gnrale EFG Eurobank Vienna Capital Partners Co-operatives UniCredit Crdit Agricole State Commerzbank State Socit Gnrale ING Socit Gnrale DnB NORD State Dexia KBC Santander Citibank Nordea Bank State Intesa Sanpaolo Piraeus Bank Raiffeisen
TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (5/8)

Rank 2009 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 Rank 2008 114 104 92 134 100 116 112 115 110 121 127 105 124 108 119 122 113 109 120 101 123 117 130 219 137 2009 Assets EURm 2,141 2,094 2,093 (x) 2,080 2,041 2,018 2,000 1,938 1,914 1,887 1,879 1,853 1,837 1,835 1,799 1,765 1,756 1,728 1,717 1,697 1,634 1,579 1,553 1,545 1,532 2008 Assets EURm 1,928 2,176 2,592 1,460 2,308 1,816 1,949 1,826 1,998 1,739 1,578 2,118 1,649 2,048 1,774 1,688 1,936 2,024 1,747 2,295 1,660 1,803 1,527 531 1,400 2009 Equity EURm 178 209 FB 165 228 286 253 373 89 145 112 266 146 178 207 188 250 n/a 219 150 133 FB FB 238 328 2009 Net profit EURm 22 16 -131 (g) 23 2 0 28 34 -61 -19 4 23 3 34 7 15 7 -8 12 n/a 31 -126 -15 -66 29 State

UNCONSOLIDATED FIGURES

Bank Name Komercijalna banka a.d. Beograd First Investment Bank Danske Bank Potov banka a.s. Banca Romneasc S.A. NBG Raiffeisen banka a.d. Beograd Prv stavebn sporitea a.s. Gorenjska Banka d.d. Hrvatska Potanska Banka D.D. DnB NORD esk exportn banka a.s. Piraeus Bank Bulgaria AB bankas Snoras Raiffeisen Bank Sh.a. (c) Volksbank CZ a.s. UniCredit Bank d.d. AIG Magyarorszgi Volksbank Zrt. Otp Banka Hrvatska D.D. RBS Bank Romania S.A. PPF banka a.s. Danske Bank A/S, Lietuvos filialas HSBC Bank plc - poboka Praha (y) Alior Eurobank EFG a.d. Beograd

Country Serbia Bulgaria Estonia Slovak Republic Romania Serbia Slovak Republic Slovenia Croatia Poland Czech Republic Bulgaria Lithuania Albania Czech Republic BiH Poland Hungary Croatia Romania Czech Republic Lithuania Czech Republic Poland Serbia

Major Shareholder

private individuals Danske Bank ISTROKAPITAL SE NBG Raiffeisen Swab. Hall, Raiffeisen Hypo Alpe-Adria-Bank State DnB NORD Volksbank International Piraeus Bank private individuals Raiffeisen PPF Group N.V. UniCredit AIG Volksbank International OTP RBS Wstenrot & Wrttembergische Danske Bank legal subjects Carlo Tassara EFG Eurobank
TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure (x) Data as at 30 September 2009; (y) Data as at 31 December 2008 (g) Gross profit Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (6/8)

Rank 2009 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 Rank 2008 145 144 139 164 128 138 140 146 126 131 125 142 135 129 111 99 150 141 149 159 157 147 170 152 151 2009 Assets EURm 1,477 1,451 1,432 1,416 1,412 1,407 1,401 1,401 1,392 1,387 1,386 1,382 1,381 1,343 1,332 1,302 1,274 1,254 1,222 1,193 1,146 1,142 1,141 1,101 1,093 2008 Assets EURm 1,285 1,291 1,382 1,010 1,530 1,394 1,382 1,273 1,585 1,520 1,621 1,340 1,436 1,527 1,951 2,300 1,192 1,345 1,223 1,077 1,096 1,237 942 1,174 1,182 2009 Equity EURm 179 216 75 166 127 105 48 72 188 FB 92 72 124 120 56 0 112 111 114 40 FB 93 265 105 96 2009 Net profit EURm 12 23 6 10 -7 -27 5 11 12 3 -25 0 9 n/a 4 0 5 -77 -22 -2 -35 -10 58 -29 0

UNCONSOLIDATED FIGURES

Bank Name Societe Generale Expressbank Hypo Alpe-Adria Bank a.d. Beograd Gospodarczy Bank Wielkopolski Unicredit Bank Srbija a.d. Beograd VOLKSBANK Slovensko a.s. Aizkraukles banka Magyar Takarkszvetkezeti Bank Zrt. Wstenrot stavebn spoitelna a.s. Rietumu Banka Calyon S.A. Czech Branch OTP Banka Slovensko a.s. Raiffeisen Banka d.d. J&T BANKA a.s. Credit Europe Bank Romania S.A. Rabobank ING Bank Zrt. Probanka d.d. Mortgage Bank AB kio bankas AXA Kereskedelmi Bank Zrt. (x) Alpha Bank S.A.-Sofia Branch Hypo Alpe-Adria-Bank d.d. Mostar AIK banka a.d. Ni LBBW Bank CZ a.s. Banka Sparkasse d.d.

Country Bulgaria Serbia Poland Serbia Slovak Republic Latvia Hungary Czech Republic Latvia Czech Republic Slovak Republic Slovenia Czech Republic Romania Poland Hungary Slovenia Latvia Lithuania Hungary Bulgaria BiH Serbia Czech Republic Slovenia

Major Shareholder Socit Gnrale Hypo Alpe-Adria-Bank Co-operatives UniCredit Volksbank International private individuals Co-operatives Wstenrot Group private individuals Crdit Agricole OTP Raiffeisen legal subjects CREDIT EUROPE BANK N.V. Rabobank ING Raiffeisen State private individuals AXA ALPHA BANK AE Hypo Alpe-Adria-Bank ATEBANK LBBW legal subjects
TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (x) as at 30 June 2009 Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (7/8)

Rank 2009 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 Rank 2008 155 160 156 167 173 162 158 182 132 153 172 169 201 175 181 177 166 161 174 179 165 209 n/a 180 183 BRE BH Citibank Europe UniCredit Bank Stopanska banka AD Skopje Factor banka d.d. Volksbank D.D. Corporate Commercial Bank Socit Gnrale bank Srbija a.d. Beograd Deutsche Bank Merkantil Bank Zrt. Komercijalna banka AD Skopje Cibank Bank Pocztowy Central Cooperative Bank Banka Kombtare Tregtare (c) Deelna banka Slovenije d.d. (c) Vojvoanska banka a.d. Novi Sad Commerzbank (Budapest) Zrt. Volksbank - Ljudska banka d.d. NLB Tutunska Banka Hypo Alpe-Adria-Bank d.d. Banja Luka Banca Comercial Carpatica FHB Kereskedelmi Bank Zrt. Allianz-Bulgaria Commercial Bank Mkb Unionbank 2009 Assets EURm 1,087 1,074 1,068 1,067 1,054 1,046 1,041 1,040 1,036 1,013 987 982 953 940 927 911 909 908 904 895 852 852 850 836 834 2008 Assets EURm 1,121 1,060 1,120 966 877 1,044 1,077 811 1,518 1,158 893 943 647 850 827 839 979 1,057 866 829 979 574 575 832 785 2009 Equity EURm 103 FB 68 122 98 239 141 135 159 (c) n/a 113 107 66 129 59 78 170 83 69 70 72 66 n/a 74 68 2009 Net profit EURm 6 n/a 2 11 2 6 31 17 28 (c) 10 17 2 2 11 5 0 11 -9 0 7 1 -5 -11 3 2 Citibank UniCredit NBG Erste Group

UNCONSOLIDATED FIGURES

Bank Name

Country Poland Romania Latvia Macedonia Slovenia Croatia Bulgaria Serbia Poland Hungary Macedonia Bulgaria Poland Bulgaria Albania Slovenia Serbia Hungary Slovenia Macedonia BiH Romania Hungary Bulgaria Bulgaria

Major Shareholder Commerzbank (BRE)

Volksbank International legal subjects Societe Generale S.A. Deutsche Bank OTP private individuals KBC State legal subjects alik Holding legal subjects NBG Commerzbank legal subjects KBC (via NLB) Hypo Alpe-Adria-Bank private individuals Vienna Capital Partners Allianz Bayern LB/MKB

TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure Source: Intelace Research

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Intelace Research

TOP 200 BANKS IN CEE - LEAGUE TABLE (8/8)

Rank 2009 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 Rank 2008 226 163 171 184 168 197 187 136 185 178 191 154 199 194 192 176 188 190 203 228 198 206 200 n/a 193 2009 Assets EURm 831 831 829 817 808 804 799 795 793 789 787 784 768 723 721 687 677 664 657 615 613 598 594 593 571 2008 Assets EURm 457 1,035 865 765 964 667 732 1,404 755 836 703 836 658 701 702 849 731 729 614 447 661 594 654 517 701 2009 Equity EURm FB FB 80 FB 71 22 239 FB 71 93 39 FB 173 129 143 FB 67 86 n/a 152 79 74 41 63 17 2009 Net profit EURm n/a 4 12 1 -3 7 n/a 3 2 n/a 5 38 -55 0 9 8 8 6 n/a 13 3 -9 4 2 -3 ING

UNCONSOLIDATED FIGURES

Bank Name Garanti Bank International ING Bank N.V. Intesa Sanpaolo Bank Albania (c) Waldviertler Sparkasse von 1842 AG Latvijas Krajbanka Fundamenta-Lakskassza Zrt. (c) Eximbank S.A. Citibank Europe plc Magyar Export-Import Bank Zrt. OTP Bank Romnia S.A. Potna banka Slovenije d.d. Banca Italo-Romena S.p.A. Alpha Bank Srbija a.d. Intesa Sanpaolo Romnia Volksbank a.d. Srbija J&T BANKA a.s. ProCredit Bank a.d. Beograd NORVIK BANKA OTP Lakstakarkpnztr Zrt. Poljoprivredna banka Agrobanka a.d. Beograd Banka Tirana (c) AB iauli bankas NLB Razvojna banka Intesa Sanpaolo Banka, d.d. BAWAG d.d.

Country Romania Slovak Republic Albania Czech Republic Latvia Hungary Romania Slovak Republic Hungary Romania Slovenia Romania Serbia Romania Serbia Slovak Republic Serbia Latvia Hungary Serbia Albania Lithuania BiH BiH Slovenia

Major Shareholder legal subjects Intesa Sanpaolo Erste Group private individuals Schwbisch Hall State Citibank State OTP Volksbank International Veneto Banca ALPHA BANK A.E. Intesa Sanpaolo Volksbank International legal subjects ProCredit holding a.g.Frankfurt private individuals OTP State Piraeus Bank private individuals KBC (via NLB) Intesa Sanpaolo State (via Nova KBM)
TOP 200 BANKS IN CEE-15 2010 EDITION

FB Foreign bank branches, typically do not report equity on non-home markets (c) Consolidated figure Source: Intelace Research

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Intelace Research