Bank Ochrony Srodowiska S.A. · GPW:BOS
Bank Ochrony Srodowiska — Investor Presentation (May 2009)
19 slides from Bank Ochrony Srodowiska's investor presentation, May 11, 2009
Slide 1: New ROR packages
New ROR packages Press meeting, 11 May 2009
Slide 2: Agenda
Agenda • BOŚ S.A. – market position • Business objectives • New Image of BOŚ S.A. • New Products • Supportive activities
Slide 3: Market position
Market position • Polish capital • Among top twenty banks in Poland • Modern products for retail, corporate, and local government Clients • 18 years experience – from 1991 • From 1997 on primary market of Warsaw exchange GPW • DM BOŚ S.A. – biggest market player futures contracts
Slide 4: Market position
Market position • Leader in financing environmental protection projects • Preferential very low interest loans to finance undertakings related to environmental protection, supporting business development. More than 60 percent market share in commercial financing environmental protection undertakings
Slide 5: Business objectives
Business objectives • To increase market shares in the individual clients sector • To secure a strong entry on the small & medium enterprises market • To maintain the position of banking leader in commercial financing of environment-friendy undertakings
Slide 6: New Image of BOŚ S.A.
New Image of BOŚ S.A. 1. Welcome Deposit 2. Anti-crisis mortgage loans package 3. New ROR packages
Slide 7: Welcome Deposit
New Image of BOŚ S.A. (retail market) Welcome Deposit [Lokata on Dzień Dobry] Benefits: • Interest paid on greeting • Since 11 February the Bank has won around PLN 1.2 bn in deposits
Slide 8: Mortgage loans
New Image of BOŚ S.A. (retail market) Mortgage loany Since mid-March the Bank has received loan applications worth a total almost PLN 481 million. Benefits: • Credit financing of up to 100% of property • Even 5 first years grace on principal payment • Loan wwith low instalments even up to 50 years •
Slide 9: New Image of BOŚ S.A. (retail market)
New Image of BOŚ S.A. (retail market)
Slide 10: Exceptional Account, Start and VIP
New Image of BOŚ S.A. (retail market) Exceptional Account Start [Konto Wyjątkowe Start] Exceptional Account [Konto Wyjątkowe] Exceptional Account VIP [Konto Wyjątkowe VIP]
Slide 11: Where do we make a difference?
Exceptional Account at BOŚ S.A. Where do we make a difference? ROR combines all features of ordinary bank accounts with those of a savings account • High interest to account balances • Low interest debit line • Free-of-charge withdrawals at all ATMs across Poland • All transfers free of charge
Slide 12: Sound merchant principles
Exceptional Account at BOŚ S.A. Where do we make a difference? Sound merchant principles interest 8% DEBIT BALANC E - 3000 + 3000 Balance (PLN) Interest charged for debit is equal to interest disbursed on same savings amount!
Slide 13: Reversing trends: low interest on debit
Exceptional Account at BOŚ S.A. Reversing trends Low interest charged on debit interest 15 % Difference 8% market Interest at BOŚ S.A. Balance - 3000 (PLN)
Slide 14: Well-placed savings!
Exceptional Account at BOŚ S.A. Reversing trends Well-placed savings! High interest on your balances 8.00% where the balance is in the PLN 0 to PLN 3000 bracket 5.00% where the balance is in the PLN 3000 to PLN 5000 bracket 4.00% where the balance tops PLN 5000
Slide 15: High interest on RORs
Exceptional Account at BOŚ S.A. Reversing trends High interest on RORs interest 8% 5% 4% interest at BOŚ S.A. Exceptional Account at BOŚ S.A. – interest on balance: 0.1 % 8.00% where the balance is in the PLN 0 to PLN 3000 bracket 3000 5000 Balance 5.00% where the balance is in the PLN 3000 to PLN 5
Slide 16: We approach our client as partners!
Exceptional Account at BOŚ S.A. Reversing trends We approach our client as partners! interest 15 % Exceptional Account Przeciętna Konto Wyjątkowe comparing with average oferta market BOŚ S.A. market rynkowaoffer 8% BOŚ S.A. BOŚ S.A. 0.1 % market -3000 3000 Balance DEBIT BALANCE (PLN)
Slide 17: Exceptional benefits
Exceptional Account at BOŚ S.A. Reversing trends Exceptional benefits: 0 PLN – Withdrawal from any ASTM across Poland 0 PLN – Any transfer 0 PLN – Standing instructions 0 PLN – Maestro debit card 0 PLN – Account maintenance cost to client in first 6 months
Slide 18: Exceptional Account against the market average
Exceptional Account at BOŚ S.A. Reversing trends Exceptional Account against the market average: • Average account maintenance cost, yearly PLN 475 • Exceptional Account maintenance cost, yearly PLN 188 1. Market average determined based on an Expander report of 27 April 2008. Assumptions: Client or
Slide 19: Thank you for your attention
tA B@®S BAN K bank dla aktywnych Thank you for your attention BANK OCHRONY SRODOWSKA S.A. EE
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