Slide 1: Results of BRE Bank Group Q1-4 2010
Results of BRE Bank Group Q1-4 2010 Highest income in history Management Board of BRE Bank S.A. Presentation for Investors and Analysts 9 February 2011
Slide 2: Agenda
Agenda Summary of Q1-4/10 Analysis of Q4/10 Results BRE Bank Group in 2010 Outlook 2011 Appendix Detailed Results of Business Lines Additional Information: Selected Financial Data 2
Slide 3: Highlights of Q1-4/2010 in BRE Bank Group
Highlights of Q1-4/2010 in BRE Bank Group 1 2010 net profit 5 times higher YoY Highest income in history 2 in 2010 at PLN 3.1 bn, up 10% YoY; in Q4 at PLN 844 m, up 2% QoQ Cost of risk decreased 3 114 bps YtD; 88 bps in Q4 Efficiency further improved 4 C/I ratio down to 51.8% YtD; seasonal cost effe
Slide 4: Summary of Q1-4/2010 in BRE Bank Group
Summary of Q1-4/2010 in BRE Bank Group Key Financials 2010 2009 Change Profit before tax Q1-4 872.5M 209.4M x 4.2 Profit before tax Q4 263.8M 81.9M x 3.2 Net Profit Q1-4 * 641.6M 128.9M x5 ROE before tax Q1-4 15.6% 5.1% +10.5pp Cost/Income (C/I) Q1-4 51.8% 54.2% -2.4pp Capital adequacy ratio 15.90%
Slide 5: Development of Loans to Clients in Q4
Summary of Q1-4/2010 in BRE Bank Group Development of Loans to Clients in Q4 Development of Gross Loans Structure of Gross Loans Portfolio (PLN B) as at 31 December 2010 BRE - others +8.4% BRE - Individual 1.1% clients 2.4 0.6 54.6% BRE Bank 1.8 Hipoteczny 6.1% +5.7% +10.2% +31.3% QoQ QoQ QoQ BRE Ba
Slide 6: Development of Deposit Base in Q4
Summary of Q1-4/2010 in BRE Bank Group Development of Deposit Base in Q4 Development of Deposits Structure of Amounts Due to Clients (PLN B) as at 31 December 2010 +6.5% BRE - Individual Factoring clients companies 52.3% 0.3% +2.0 +0.5 +0.4 BRE Bank +1.8% +10.1% +109.3% BRE Bank Hipoteczny QoQ QoQ Q
Slide 7: Business Development: Corporates & Institutions in Q4
Summary of Q1-4/2010 in BRE Bank Group Business Development: Corporates & Institutions in Q4 Revenue Net Interest Income Net Commission Income Revenue up by 0.2% QoQ (revenue before costs (PLN M) (PLN M) and up by 33.2% YoY* excl. LLP, PLN M) -6,2% +46,8% +4,2% Net interest income increased by 11.9%
Slide 8: Business Development: Retail Banking in Q4
Summary of Q1-4/2010 in BRE Bank Group Business Development: Retail Banking in Q4 Revenue Net Interest Income Net Commission Income (revenue before costs (PLN M) (PLN M) Revenue at high level in Q4 excl. LLP, PLN M) driven by strong net interest income and increased net fee income 27.6% 9.1% 106.5%
Slide 9: Agenda
Agenda Summary of Q1-4/10 Analysis of Q4/10 Results BRE Bank Group in 2010 Outlook 2011 Appendix Detailed Results of Business Lines Additional Information: Selected Financial Data 9
Slide 10: Analysis of Results, Q4/2010: Key Financials
Analysis of Results, Q4/2010 Key Financials Q4/2009 Q4/2010 Q3/2010 Change Q4/Q3 Total income1) 739.8 844.4 825.1 +2.4% Total cost (458.4) (454.6) (416.9) +9.0% Operating profit2) 281.4 389.8 408.2 -4.5% Net provisions (199.5) (126.0) (128.2) -1.7% Profit before tax 81.9 263.8 279.9 -5.8% Net profit
Slide 11: Income of BRE Bank Group
Analysis of Results, Q4/2010 Income of BRE Bank Group BRE Bank Group Income QoQ & YoY Income structure by Business Line (PLN M) in Q4/10 +14.1% +2.6% Trading and +4.6% +0.6% -100% +18.3% -/+ +74.2% Investment QoQ QoQ QoQ QoQ QoQ QoQ Activity; Corporates PLN 114 M; and 13.5% 38.0 Institutions; 104.3
Slide 12: Costs of BRE Bank Group
Analysis of Results, Q4/2010 Costs of BRE Bank Group Overhead Costs + Depreciation of BRE Bank Group QoQ & YoY Cost Structure by Business Line (PLN M) in Q4/10 -0.8% Retail 9.0% Banking; PLN 224 M; +12.9% +11.5% +1.8% -34.5% 49.4% QoQ QoQ QoQ QoQ Trading and Investment Activity; PLN 48 M; 10.3 10.5%
Slide 13: Structure of Loan Loss Provisions
Analysis of Results, Q4/2010 Structure of Loan Loss Provisions BRE Bank Group’s Trends in Q4 2010: Impairment Losses on Loans and Advances (PLN M) - Further improvement of financial -1.7% situation of corporate clients - Insignificant provisioning related to -8.9% +4.5% old cash loan portfolio to Qo
Slide 14: Agenda
Agenda Summary of Q4/10 Analysis of Q4/10 Results BRE Bank Group in 2010 Outlook 2011 Appendix Detailed Results of Business Lines Additional Information: Selected Financial Data 14
Slide 15: Income & Costs of BRE Bank Group
BRE Bank Group in 2010 Income & Costs of BRE Bank Group BRE Bank Group Income 2010 vs. 2009 Overhead Costs + Depreciation of BRE Bank Group 2010 vs. 2009 (PLN M) (PLN M) +9.2% 1 +25.4% +9.6% -91.8% +1.1% -/+ +10.6% +15.5% +4.7% -1.0% -8.7% +2.2% YoY YoY YoY YoY YoY YoY YoY YoY YoY YoY 45,1 103,7 410
Slide 16: Structure of Loan Loss Provisions
BRE Bank Group in 2010 Structure of Loan Loss Provisions BRE Bank Group’s Cost of risk down to 114bps Impairment Losses on Loans and Advances 2010 vs. 2009 from 210 bps in 2009 (PLN M) Decisive factors for 2010 LLP: -42.1% 1,097.1 - Improvement of the overall financial situation of clients, -55.0% -
Slide 17: Development of Loans & Deposits
BRE Bank Group in 2010 Development of Loans & Deposits Development of Gross Loans Development of Deposits 1 (PLN B) (PLN B) +13.6% +10.8% 1.9 0.5 5.0 17.4% 8.2% 20.9% YoY YoY YoY 0.7 0.0 3.9 61.8 54.4 +0.0% +22.6% +276.1% YoY YoY YoY 47.40 42.80 2009 Individual Corporate Other (incl. 2010 2009 Indiv
Slide 18: Agenda
Agenda Summary of Q4/10 Analysis of Q4/10 Results BRE Bank Group in 2010 Outlook 2011 Appendix Detailed Results of Business Lines Additional Information: Selected Financial Data 18
Slide 19: Beyond Q4/10: Business Environment
Beyond Q4/10: Business Environment Economic recovery gains momentum We expect GDP in 2011 to grow by 4.2% with the strong support of rebounding investment Rising capacity utilization implies rebound in investment activity GDP, 20 Capacity utilisation 50,0 86,0 investment, (%), private consumption 15
Slide 20: Beyond Q4/10: Business Environment
Beyond Q4/10: Business Environment Stabilization in the banking sector Rising investment will translate into further drainage of corporate Stable growth of household deposits, slowdown of mortgage deposits as well as rebound of demand for corporate loans loans expansion Enterprises Households Corpor
Slide 21: BRE well positioned to capture market potential: Corporates and Markets
BRE well positioned to capture market potential Corporates and Markets Overall trends/ Expectations BRE Bank ready to seize growth opportunities Rebound in corporate lending Growing client base, strong market share in corporate recovery in private investment expected loans, dedicated corporate branc
Slide 22: BRE well positioned to capture market potential: Retail Banking
BRE well positioned to capture market potential Retail Banking Overall trends/ Expectations BRE Bank ready to seize growth opportunities Proven successful customer acquisition model: fast Positive prospects for Polish internet banking market – growing retail customer base with every 3rd e-banking 1M
Slide 23: Strategic financial targets for 2012
Strategic financial targets for 2012 Implementation of 2010-2012 strategy well on track Total income (a) growth yoy Core Tier 1 ratio (%) (%) 10.4 8 - 10 12 >10 8 6.6 2009 2010 Average 2010- 2009 2010 2012 (target) 2012 (target) (a) Years 2007 and 2008 adjusted for discontinued operations and one-of
Slide 24: Outlook 2011
Outlook 2011 1 Consistent implementation of 2010-2012 strategy Strong focus on revenue generation 2 and profitable growth 3 Lower cost of risk as economy improves Further deployment of liquidity and capital resources 4 in line with positive macroeconomic outlook 24
Slide 25: Agenda
Agenda Summary of Q4/10 Analysis of Q4/10 Results BRE Bank Group in 2010 Outlook 2011 Appendix Detailed Results of Business Lines Additional Information: Selected Financial Data 25
Slide 26: Appendix: Additional Information
Appendix Additional Information: Detailed Results of the Business Lines Page No. Page No. Selected Financial Data & Business Environment BRE Bank Retail Banking 27-37 P&L acc. to IFRS 50 Summary of Q4/10 28 Profitability of the Business Lines 51 Customer Acquisition & Volume Trends 29-30 Results of
Slide 27: Detailed Results of the Business Lines Q4/10: Retail Banking
Appendix Detailed Results of the Business Lines Q4/10 Retail Banking 27
Slide 28: BRE Bank Retail Banking: Summary of Q4/10 Financial Results
Appendix BRE Bank Retail Banking Summary of Q4/10: Financial Results Profit before Tax of the Segment (by quarter, PLN M) 69.3 57.5 70.9 29.8 68.2 86.7 95.3 -8.7 74.0 61.5 72.7 8.0 108.8 81.5 151.0 114.3 163.2 Retail Banking PL 124.3 125.2 mBank CZ & SK 108.2 114.6 98.5 89.9 94.4 96.0 84.2 69.3 70.9
Slide 29: Retail Banking (Poland): Customer Acquisition and Volume Trends
Appendix BRE Bank Retail Banking (Poland) Customer Acquisition and Volume Trends Data as at 31.12.2010 End of 09/10 Change End of 12/10 (M) 5 4 3.11 M clients +2.3% 3.18 M 3 2 4.06 2.58 1 4.4 M accounts +2.3% 4.5 M 0 Customers Accounts 21.0 B deposits (PLN) +1.0% 21.2 B (PLN B) Private Banking Multi
Slide 30: Retail Banking (CZ/SK): Customer Acquisition and Volume Trends
Appendix BRE Bank Retail Banking (CZ/SK) Customer Acquisition and Volume Trends Data as at 31.12.2010 End of 09/10 Change End of 12/10 (thou.) 1 000 800 600 463.9 thou. customers +3.1% 478.1 thou. 400 685.9 200 350.3 0 Customers Accounts 901.8 thou. accounts +2.5% 924.4 thou. (EUR M) 1 200 0.99 B de
Slide 31: Acquisition of Microenterprises
Appendix BRE Bank Retail Banking Acquisition of Microenterprises* 390 thousand microenterprises serviced by BRE Bank Retail Banking Volume of loans granted to microenterprises (PLN M) 3000 1147.6 1971.9 2546.8 2672.4 2889.4 2940.6 2935.6 Number of serviced 2500 microenterprises up by 6.7 thousand in
Slide 32: Deposits & Loans: Market Share
Appendix BRE Bank Retail Banking Deposits & Loans: Market Share Household Deposits* Household Loans* 12/10: 12/10: (PLN B) (PLN B) 4.8% 6.5% 35 7% 35 7.0% 6.7% 6.7% 6.6% 6.5% 6.5% 6.4% 7% 6.3% 30 6% 30 5.9% 5.2% 5.1% 5.3% 5.2% 5.4% 5.5% 6% 4.9% 5.0% 5.0% 5.0% 5.2% 4.7% 5.1% 25 4.6% 5% 25 4.9% 5.0% 4
Slide 33: Mortgage Loans: Portfolio Structure and Quality
Appendix BRE Bank Retail Banking Mortgage Loans: Portfolio Structure and Quality BRE Bank’s Mortgage Loan Portfolio Currency Structure of Retail Banking Mortgage Loan Portfolio (Retail Banking* loans to individuals) (Household Loans) at 31.12.2010 in Poland in Poland, Czech Republic Total PLN FX & S
Slide 34: Distribution Network
Appendix BRE Bank Retail Banking Distribution Network Aspiro Distribution Network MultiBank Branches (in Poland) (in Poland) Total (at the end of period): Total (at the end of period): 103 161 142 134 130 122 115 109 131 134 134 133 133 133 77 52 58 54 59 61 61 61 46 42 44 33 26 27 65 65 65 65 65 61
Slide 35: BRE Ubezpieczenia (BRE Insurance)
Appendix BRE Bank Retail Banking BRE Ubezpieczenia (BRE Insurance) Bancassurance Retail Direct Insurance (Internet platform) Co-operation with BRE Leasing Gross Written Premium (PLN M) Gross Written Premium (PLN M) Gross Written Premium (PLN M) +35.1% +32.9% +3.2% 629.3 89.6 107.9 465.7 67.4 104.6 2
Slide 36: BRE Ubezpieczenia (BRE Insurance)
Appendix BRE Bank Retail Banking BRE Ubezpieczenia (BRE Insurance) Car premium increase in 2010: Market v. BRE Ubezpieczenia BRE Bank Retail Banking Internet Platform – SUS and Insurance Centre key figures 32.3% 256.7 thou. car insurance contracts (in Q4/10) 3.7% 37 thou. travel insurance contracts
Slide 37: Retail Banking (Poland): Clients & Volumes
Appendix BRE Bank Retail Banking (Poland) Clients & volumes Clients Deposits (thou.) (PLN B) +2.2% +1.0% 5 5 5 5 592 6 592 2.3 2.1 1.8 603 2.0 570 588 2.1 7 493 2.5 5.7 5.5 5.2 5.1 5.2 4.4 2436 2511 2581 2296 2371 2035 14.3 13.8 14.0 13.8 12.7 10.9 31.12.08 31.12.09 31.03.10 31.06.10 30.09.10 31.12.
Slide 38: Corporates & Financial Markets
Appendix Detailed Results of the Business Lines Q4/10 Corporates & Financial Markets 38
Slide 39: Corporates and Financial Markets: Summary of Q4/10 Financial Results
Appendix Corporates and Financial Markets Summary of Q4/10: Financial Results Result before Tax of the Segment * Q1/08: Repayment of default loan (by quarter, PLN M) Q2/10 and Q3/10 – sale of part of PZU shares ** Incl. internal settlements 321.0 14.8* 137.7 Vectra 167.6 137.2 142.5 117.2 86.6 81.1
Slide 40: Corporates and Institutions: Customer Acquisition and Volume Trends
Appendix Corporates and Institutions Customer Acquisition and Volume Trends End of 09/10 Change End of 12/10 corporate 13 126 clients +145 13 271 Enterprises acc. to NBP definition Corporate Loans corporate (PLN B) 23.2 B loans (PLN) +10.2% 25.6 B 12.1 9.5 thereof loans for 13.7 13.5 13.7 B enterpri
Slide 41: Loans & Deposits: Market Share
Appendix Corporates and Institutions Loans & Deposits: Market Share* BRE Bank’s Market Share in Corporate Loans and Deposits 01/06 – 12/10 Corporate* Deposit Volume (BRE Bank only, PLN B) 16.1 14.2 13.7 14.6 14.6 14.4 14.9 8.6% 12.9 12.7 13.3 12.5 14.0 12.2 13.1 13.3 6.2% 06/07. 09/07. 12/07. 03/08.
Slide 42: Client Base and Development of Loans and Deposits
Appendix Corporates and Institutions Client Base and development of Loans and Deposits Corporate Clients’ Loan Volume Corporate Clients: Number and Structure (BRE Bank, PLN B) 12,836 12,783 13,026 13,126 13,271 16.3 15.6 15.9 15.9 19.5 K1 1062 K1 1083 K1 1101 K1 898 K1 993 31% K2 K2 K2 K2 K2 39% 37%
Slide 43: Cash Management
Appendix Corporates and Institutions Cash Management Net Income on Cash Management products +6.2% Cash Management – Strategic Product Line Supporting Long-term Customer Relations Q3/10 Q4/10 Number of Clients Using Cash Direct Debit Identification of Trade Payments Consolidation Services (thou. of t
Slide 44: Products for Local Governments and Products with EU Financing
Appendix Corporates and Institutions Products for local governments and Products with EU Financing Volume of transactions with local Sales of Banking Products governments with EU Financing The volume of transactions with local In Q4/10 the income on products governments increased by 155.3% QoQ spons
Slide 45: Leasing and Factoring
Appendix Corporates and Institutions Leasing and Factoring Intermarket PLN 0.5 M pre-tax profit in Q4/10 (- 52.1% QoQ); decrease of result due to impairment provisions (PLN 34.6 M) Profit before Tax (PLN M) Group Companies* Sales at EUR 1.6 B in Q4/10 (+6.6% QoQ); EUR 5.7 B YtD (+13.2% YoY). -/+ Inc
Slide 46: BRE Bank Hipoteczny (BBH)
Appendix Corporates and Institutions BRE Bank Hipoteczny (BBH) Loan Portfolio (PLN M) Profit before Tax (PLN M) Balance-sheet Exposure 4,344 4,562 4,464 4,308 4,143 3,923 3,958 3,818 3,803 73 76 70 63 61 58 60 56 55 704 729 726 724 +16.3% 702 693 675 664 643 3 567 3 757 3 668 3 521 3 380 3172 3 223
Slide 47: Dom Inwestycyjny BRE Banku (DI BRE)
Appendix Corporates and Institutions Dom Inwestycyjny BRE Banku (DI BRE) Number of Accounts with DI BRE Profit before Tax (PLN M) 04/10 (thousand) DI BRE accounts 55.7 eBroker* (mBank) 193.1 -13.7% Brokerage Service* (MultiBank) 34.4 TOTAL 283.2 DI BRE Market Share 42.2 in Q4/10, by volume** Equitie
Slide 48: Trading and Investment Activity: Market Share
Appendix Trading and Investment Activity Market Share BRE Bank’s Market Share* BRE Bank in the Market of Non-Treasury Debt** in Investment Banking Services at 31.12.2010 (PLN M) 17,576.83 14,793.81 10,756.96 5.7% 19.0% 3,178.03 2,420.65 2,156.00 Short-term Debt Corporate Debt Mid-term bank debt Trea
Slide 49: Additional Information: Selected Financial Data
Appendix Additional Information: Selected Financial Data 49
Slide 50: Consolidated Profit and Loss Account under IFRS
Appendix Additional Information: Selected Financial Data Consolidated Profit and Loss Account under IFRS PLN thou. By quarter Q4/09 Q1/10 Q2/10 Q3/10 Q4/10 Net interest income 417 535 390 537 436 254 481 048 503 125 Net commission income 152 001 173 893 172 449 199 211 200 366 Dividend income 96 227
Slide 51: Profitability of the Business Lines
Appendix Profitability of the Business Lines Quarterly Result before Tax by Business Line (PLN M) BRE Bank Group Corporates & Financial Markets1) Retail Banking Corporates and Institutions Trading and Investment Activity +222.1% +1328.6% -5.6% +74.8% +52.0% -24.3% +8.0% +1.8% 279.9 263.8 151.0 75.1
Slide 52: Results of Subsidiaries
Appendix Additional Information: Selected Financial Data Results of Subsidiaries Profit before Tax of Consolidated Subsidiaries 44.1 42.2 (PLN M) 37.8 37.1 37.2 37.9 33.9 32.5 Q1-4/09 Q1-4/10 Q1-4/10 profit 17.4 15.8 before tax 10.7 7.6 7.9 6.5 12.0 6.1 10.7 5.3 of consolidated -1.2 ia y m r nk E r
Slide 53: Net Interest Income & Margin
Appendix Additional Information: Selected Financial Data Net Interest Income & Margin Interest Income Structure Net Interest Income, Q4/10 by Business Line (PLN M) (PLN M) +4.6% 834.3 821.8 859.7 863.5 876.7 -2.5 69.4 169.2 1.7 7.7 1.3 1.1 17.3 5.2 8.1 15.1 4.0 10.7 481.0 503.1 603.2 611.3 628.6 632
Slide 54: Commission Income
Appendix Additional Information: Selected Financial Data Commission Income Commission Income Structure Net Commission Income, Q4/10 by Business Line (PLN M) (PLN M) 266.3 278.5 282.7 302.6 314.8 +0.6% 5.5 25.3 80.7 199.2 200.4 88.9 Q4/09 Q1/10 Q2/10 Q3/10 Q4/10 Q3/10 Retail Banking Corporates & Trad
Slide 55: Trading Income
Appendix Additional Information: Selected Financial Data Trading Income Contributors of Net Trading Income FX Result Contributors in Q4/10 (PLN M) (PLN M) 32.2 140 Retail Banking 120 100 Financial Markets 17.6 15.8 80 Risk & Liquidity 60 10.9 40 Other 6.7 20 2.2 1.5 K3 0.0 1.0 0 K2 -1.3 -20 Originat
Slide 56: Administrative Expenses Structure
Appendix Additional Information: Selected Financial Data Administrative Expenses Structure Structure of Administrative Expenses incl. Depreciation C/I Ratio of BRE Bank Group (PLN M) (%, as at the end of period) 458.4 354.1 391.6 416.9 454.6 12.2 10.3 82.3 15.8 59.7 15.2 54.2 58.7 15.4 59.3 51.4 51.
Slide 57: Loans and Deposits
Appendix Additional Information: Selected Financial Data Loans and Deposits Loans (PLN B, net) +13.2% BRE Bank* Market* 59.4 55.6 52.5 50.9 54.6 QoQ +8.4% 2.1% -3.0% +9.2% -1.8% +8.8% YoY +13.6% +8.6% * Data related to gross loans 12/09. 03/10. 06/10. 09/10. 12/10. Deposits (PLN B) +10.7% BRE Bank M
Slide 58: Loan to Deposit Ratio
Appendix Additional Information: Selected Financial Data Loan to Deposit Ratio LtD Ratio in BRE Bank Group 122.6 122.6 125.2 77.4 78.4 81.9 L/D - balance sheet The ratio of loans to deposits L/D "real" ratio stood at 125.2% in Q4/10 Q4/09 Q3/10 Q4/10 Q4/09 Q3/10 Q4/10 However, funding policy for FX
Slide 59: Balance Sheet Analysis – Currency Structure
Appendix Additional Information: Selected Financial Data Balance Sheet Analysis – Currency Structure Currency Structure of Loans Currency Structure of Amounts due to banks and customers 1) (PLN B) (PLN B) 59.4 1.8 1.7 3.8 3.2 1.8 1.9 3.5 3.5 1.9 1.9 2.0 1.6 1.6 8.4 4.2 1.8 1.8 1.6 1.2 1.1 9.3 8.8 1.
Slide 60: Balance Sheet Analysis - Assets
Appendix Additional Information: Selected Financial Data Balance Sheet Analysis - Assets Structure of Assets Loans and Advances to Customers* (PLN B) Portfolio by Customer Category 84.4 (PLN B) 81.0 84.8 88.9 90.1 3.3 4.8 1.9 3.1 1.8 4.4 3.7 1.1 1.4 3.6 1.6 6.4 1.3 18.8 1.1 3.5 18.9 15.0 19.2 13.1 1
Slide 61: Balance Sheet Analysis - Liabilities
Appendix Additional Information: Selected Financial Data Balance Sheet Analysis - Liabilities Structure of Liabilities Structure of Deposits (PLN B) (PLN B) 81.0 84.8 88.9 84.4 90.1 7.9 5.5 7.9 5.5 7.1 7.5 6.8 1.4 0.9 4.5 6.9 1.4 1.3 1.5 0.7 0.8 0.4 4.3 0.2 1.4 28.7 26.1 28.4 26.0 17.7 21.4 25.0 17.
Slide 62: Funding - Maturity of Long- and Midterm FX Loans
Appendix Additional Information: Selected Financial Data Funding - Maturity of Long- and Midterm FX Loans Significant improvement of funding profile achieved Since 2010 mid-term loans in the amount Maturity of Long- and Mid-term FX Loans by the end of 2012 of CHF 3.0 B primarily maturing in 2010 and
Slide 63: BRE Bank Group's Capital Adequacy Ratio (CAR) in Q4/10
Appendix Additional Information: Selected Financial Data BRE Bank Group’s Capital Adequacy Ratio (CAR) in Q4/10 Relation between Capital Adequacy Ratio (CAR) Change of CAR under Basel II and Risk Weighted Assets (RWA) 90 17% 15.89% +21 bps 15.90% 80 15% -20 bps 70 60 13% 50 11% 40 10.62 10.40 30 9%
Slide 64: Loan Loss Provisions
Appendix Additional Information: Selected Financial Data Loan Loss Provisions Retail Banking provisions by quarters Corporates & Markets provisions by quarters (PLN M) (PLN M) 656.5 295.0 440.6 337.5 127.9 308.3 122.7 97.6 73.4 107.9 59.5 54.2 82.1 130.5126.1 101.9 103.5 95.6 68.7 69.7 Q1/09 Q2/09 Q
Slide 65: Quality of BRE Bank Group's Loan Portfolio
Appendix Additional Information: Selected Financial Data Quality of BRE Bank Group’s Loan Portfolio Quality of the Loan Portfolio of BRE Bank Group Net Credit and Loans Impairment Provisions (consolidated data, PLN M) 4.1 2.3 2.2 3.4 4.7 5.3 6.0 5.3 95.9 97.7 97.8 96.6 95.3 94.7 94.0 94.7 -269.1 -1
Slide 66: NPLs: Portfolio Structure
Appendix Additional Information: Selected Financial Data NPLs: Portfolio Structure* 12/10 09/10 12/09 Expo- Provisions Expo- Provision Expo- Provisions sure % % coverage sure % % s sure % % coverage 7.1% of NPLs PLN B PLN B coverage PLN B Regular 47.6 92.9 0.6 45.6 92.6 0.7 43.1 94.1 0.9 in the port
Slide 67: Contact
Contact BRE Bank’s Investor Relations Officers at your service: Marcin Chanke Secretariat: +48 22 829 04 80 Head of Investor Relations Direct dial: +48 22 526 70 33 Fax: +48 22 829 04 88 E-mail: marcin.chanke@brebank.pl Joanna Filipkowska Direct dial: +48 22 829 04 53 Deputy Head of Investor Relatio