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Poland – the EU front runner in terms of growth performance BRE - BRE Bank – best – in - class financial services ’ pro v ider in Poland. Przemysław Gdański BRE Bank Management Board Member Head of Corporate Banking. Tel Aviv, Dec 12, 2010.

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Tel aviv dec 12 2010

Poland – the EU front runner in terms of growth performance BRE - BRE Bank – best – in - class financial services’ provider in Poland

Przemysław GdańskiBRE Bank Management Board Member Head of Corporate Banking

Tel Aviv, Dec 12, 2010


Tel aviv dec 12 2010

Poland – the EU front runner in terms of growth performance


Key macroeconomic data features of polish economy

Key macroeconomic data – features of Polish economy

Poland - the largest from EU new member states in terms of area and population is located at the heart of Europe at the crossroads of major communication corridors, became theEU front runner in terms of growth performance in 2009 as the global crisis wreaked havoc to European economies.

With exports to GDP ratio at about 40% it can be classified as a relatively closed economy, which in times of the crisis turned out to be a blessing rather than a curse. Relatively smaller dependence (as compared to its regional peers) on foreign trade reduced the impact of foreign demand shock.

Source: StatOffice.


Tel aviv dec 12 2010

BRE forecast

Poland – the EU front runner amid the global recession…

Poland’s GDP (%YoY)

European Commission GDP forecasts (%YoY)

BRE forecast

Source: StatOffice, European Commission interim forecast (Sep’10), BRE forecast.


Currently notes dynamic rebound

…currently notes dynamic rebound…

Exports and imports (% YoY)

Production in industry and construction (% YoY, wda*)

Retail sales (%YoY)

  • Foreign trade increase stimulates Polish industry

  • Public investmentsustains growth in construction sector

  • Gradual stabilization on the labour market supports retail sales

One-off effects of harsh winter

* wda – working day adjusted.

Source: NBP, StatOffice.


Based on recovering external demand from germany

…based on recovering external demand from Germany

Exports of Poland and Germany (% YoY)

  • Strong trade relations between Poland and Germany

  • Germany – the main recipient of Polish exports

  • Rebound in Germany boosted Polish economy

Source: Bloomberg, NBP, Eurostat.


Financial markets have confidence in polish assets

Financial markets have confidence in Polish assets

Poland-Germany 10Y T-bond spread (bp)

Non-residents’ participation in Polish T-bond market (PLN bn)

10Y T-bond yields (%)

Non-residents’ participation in Polish equity market (PLN bn)

Source: NBP, MinFin, Bloomberg.


Poland s trade with israel is rather limited

Poland’s trade with Israel is rather limited …

Main recipients of Polish exports

(EUR bn, 2009)

Main suppliers of Polish imports (EUR bn, 2009)

Source: Eurostat.


And characterized with the following structure

… and characterized with the following structure

Polish exports to Israel - decomposition (%, 2009)

Polish imports from Israel - decomposition (%, 2009)

  • Main export goods:

  • vehicles

  • ships, boats

  • electrical machinery and equipment

  • Main import goods:

  • chemical products

  • arms, ammunition

  • electrical machinery and equipment

Source: Eurostat.


Israeli investors engagement in poland is low

Israeli investors’ engagement in Poland is low

Poland’s liabilities resulting from FDI (EUR bn, 2008)

FDI inflow to Poland - decomposition (EUR bn, 2008)*

Possible underestimation due to investment through companies registered in other countries.

Source: NBP.


Summary

Summary

Poland – the only EU country without recession in 2009

Poland enjoys strong rebound, so far based mainly on external demand from Germany

Polish assets enjoy strong confidence of financial markets

Small trade volume between Israel and Poland

Limited FDI inflow from Israel to Poland – room for improvement


Bre bank best in class financial services pro v ider in poland

BRE Bank – best – in - class financial services’ provider in Poland


Bre s strong m arket p osition

BRE’s strong market position

3

rd

By Total Assets

3

rd

By Total Loans

4

th

By Total Deposits

Estimated position as of Q3 2010 (consolidated data)


Tel aviv dec 12 2010

BRE Bank Group – universal financial services’ provider for financial institutions, corporate customers, HNWI, retail clients


Tel aviv dec 12 2010

127

167

131

83

135

101

55

84

45

33

62

48

33

55

39

35

45

33

27

43

26

13

41

24

28

36

14

19

27

20

BRE Bank at a glance

A leading universal bank in Poland…

…with a differentiated value proposition

Retail Banking

  • Multi-brand, multi-channel approach attracting both young and affluent customers

  • Leading in internet banking

  • Physical network of retail branches, financial centres and mobile agents

  • Open-architecture “Investment Fund Supermarket” and insurance supermarket

  • Continuous product innovation

Total assets

(PLN B)

Loans

(PLN B)

Deposits

(PLN B)

Corporates & Markets

  • Long-standing client relationships across large, medium-sized and small companies

  • Exclusively dedicated corporate branch and office network

  • Strengths across corporate and investment banking services

  • Innovative integrated transactional banking platform

  • One of the largest universal banking groups in Poland serving over 3.5M retail and 13,000 corporate customers

  • Strong Corporate and Investment banking business with 3rd/4th largest corporate deposit/loan portfolio in Poland

  • Dynamically growing Retail Banking business with 3rd/6th largest retail loan/deposit portfolio in Poland

Source: BRE Group 3 Q 2010 consolidated financial statements, 3 Q 2010 consolidated financial statements of the banks, Rzeczpospolita


Strong corporate and investment banking business

Strong Corporate and Investment Banking Business

  • 13 thousand customers covered by 200 relationship managers in branches and headquarters

  • Renowned corporate banking internet platform iBRE

  • The best integrated bank corporate platform of 2009 in CEE(a)

  • New customer relationship management (“CRM”) system supports cross selling and upselling activities

  • Analysis of clients’ potential requirements

  • Planning and monitoring of sales activities

  • Transactional banking services available through MultiBank branches (appeal to SMEs)

Exclusively dedicated physical distribution network

Integrated and advanced sales approach

Leading, comprehensive ‘one-stop shop’ product offering in Poland

Transactional banking

innovative and tailored products

Securities sales and trading

leading market making positions (eg IRS/FRA, FX)

Short term and long term financing

fourth largest corporate loan portfolio

Corporate Banking

Structured and mezzanine finance services

Debt origination

market shares in non-government debt >20%

Trade Finance Products

Largest specialized mortgage bank

(BRE Bank Hipoteczny)

Investment Banking

Brokerage

a leader in brokerage and investment advisory (DI BRE)

Leasing

No 2 with 9% market share (BRE Leasing)

Factoring

market share ~14% (Polfactor)

  • Highest award in the „World’s Best Internet Bank“ (Global Finance) in the category of “the best integrated bank corporate platform of 2009” in CEE region

  • Source: Company data


Tel aviv dec 12 2010

Transaction Banking - fully fledged product range well fitting to dynamic & expanding companies

Advisory services and suport

Deposits (incl automated O/N)

LCY and FCY payments (incl.SEPA); individual and mass payments

Mass payments identification and reconciliation

Cards incl. prepaid

Accounts

Liquidity management

Zero / target balancing

Pooling

Direct debit

Cash disbursements

Physical cash processing

Cash Deposits / transports

Postal order and other settlements

Short term financing (receivable discounting).

Receivable management

Disbursements management

Electronic/internet baking (iBRE)

Reporting/intergration services


Tel aviv dec 12 2010

Transaction Banking - comprehensive catalogue of products & services satisfying the most complex businesses


Tel aviv dec 12 2010

iBRE – universal, integrated solution facilitating management of entire company’s financials

iBRE – Internet financial platform aggregating all financial services, within one access channel

  • Transactional Banking Services

    • Account management

    • LCY and FCY payment management

  • Cash Management orders management

    • Other Banking Services

    • Letters of credit, bank guarantees,

      collections

    • Treasury

    • Custody services

    • Information management

    • Customized reporting & analyses

    • Electronic invoices and debt discount


Tel aviv dec 12 2010

iBRE – universal, integrated solution facilitating management of entire company’s financials

  • Treasury*

    • FX Spot

    • FX forward

    • FX Swap

    • IR SWAP

    • Real-time quoting

    • eDeposits

    • Tenor declared by the client

    • Current and customized rates


Bre s products services in practice x b order client case

BRE’s products & services in practice – x’border client case

Border

One of the leading logistic companies operating in over 100 countries with its headquarter in Western Europe’s country and subsidaries in Poland.

Group Revenue : ca. EUR 30 bn

Revenue in Poland: PLN 3 bn


Bre s products services in practice x b order client case continu ed

BRE’s products & services in practice – x’border client case(continued)

Client’s expectations:

cash collections and withdrawals

invoices’s and pay-roll and payments (LCY and FCY)

consolidation of financial means of the group enabling effective management of group liquidity

automated financial data exchange between the company and the bank

guarantees

credit and pre-paid cards

  • BRE Bank solutions offered to the client:

  • cash operations – cash collections and

    withdrawals

  • iBRE-internet based transactional system

  • domestic, international payments and additional,

    complex cash management solutions

  • international cash pooling

  • comprehensive, fully automated financial data

    exchange – client’s financial system itegrated

    with iBRE platform

  • comprehensive Trade Finance solutions

  • wide range of payment and credit cards incl.

    pre-paid cards


Selection of awards and distinctions 2010

Selection of awards and distinctions 2010

  • iBRE platform - thewinner in five categories of prestigious international contest „World Best Internet Banks 2010” run by Global Finance magazine:

    • Best Corporate/Institutional Internet Bank Central & Eastern Europe

    • Best Corporate/Institutional Internet Bank Poland

    • Best Integrated Corporate Bank Site Central & Eastern Europe

    • Best Consumer Internet Bank - mBank Czech Republic

    • Best Integrated Consumer Bank Site – mBank and Multibank Central & Eastern Europe


Tel aviv dec 12 2010

Selection of awards and distinctions 2010

Award of Euromoney Magazine 2010:

The Management Board won the second place in

the category „Bank with most accessible Senior

Management”


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