Slide 1: Results of BRE Bank Group Q1-4 2011
Results of BRE Bank Group Q1-4 2011 Delivering on committed goals Management Board of BRE Bank S.A. Presentation for Investors and Analysts February 8, 2012
Slide 2: Agenda
Agenda BRE Bank Group in 2011 Analysis of Q4/11 Results 2012 Outlook Appendix Additional Information: Selected Financial Data Detailed Results of Business Lines 2
Slide 3: Highlights of Q1-4/11 at BRE Bank Group
Highlights of Q1-4/11 at BRE Bank Group Record net profit of PLN 1,135 million 1 up 77% YoY Strong profitability supported by a variety of factors: 2 Consistent growth of recurrent revenues: +14.7% YoY Further improvement in efficiency: C/I at 48.3% vs. 51.8% in 2010 Recurrent cost of risk at
Slide 4: Summary of 2011 Results: Key Financials
BRE Bank Group in 2011 Summary of 2011 Results: Key Financials 2011 2010 Change Profit before tax 1,467.1 872.5 +68.1% Net profit 1,135.0 641.6 +76.9% ROE before tax 21.0% 15.6% +5.4 pp Cost/Income 48.3% 51.8% -3.5 pp CAR 16.7%1) 15.9% +0.8 pp Core Tier 1 ratio 11.3%1) 10.4% +0.9 pp 1) Pro-forma CAR
Slide 5: Development of P&L Items
BRE Bank Group in 2011 Development of P&L Items Financial strength translating into record net income Development of Total Income (PLN M) Development of Total Costs (PLN M) Development of Loan Loss Provisions (PLN M) +14.0% +6.5% -41.2% 3,563.5 3,124.6 1,722.9 1,617.3 634.8 373.5 2010 2011 2010 2011
Slide 6: Development of Loans and Deposits
BRE Bank Group in 2011 Development of Loans and Deposits Balanced growth of loans and deposits Development of Gross Loans Development of Deposits (PLN B) (PLN B) +13.6% +15.0% 2.3 1.1 5.0 +5.9 +1.6 +15.0% +9.0% +41.3% -0.4 YoY YoY YoY 70.2 +6.5% +27.7% -43.1% 61.8 54.2 47.2 YoY YoY YoY 12/10 Individ
Slide 7: Product innovations supporting organic growth (1/2)
Product innovations supporting organic growth (1/2) Corporates & Markets iBRE – internet platform for corporate clients One access channel to all key products Addition of new modules: - iBRE Custody - iBRE Liquidity management Focus on further strengthening of transactional relationships with
Slide 8: Product innovations supporting organic growth (2/2)
Product innovations supporting organic growth (2/2) Retail Banking Current account with free mobile internet and tablets mBank’s current account with Play mobile internet – available without charge The cheapest tablets’ offer (Samsung Galaxy Tab or Apple iPad 2) Offers available for new and ex
Slide 9: Agenda
Agenda BRE Bank Group in 2011 Analysis of Q4/11 Results 2012 Outlook Appendix Additional Information: Selected Financial Data Detailed Results of Business Lines 9
Slide 10: Development of Loans to Clients
Summary of Q4/11 in BRE Bank Group Development of Loans to Clients Corporate lending on a strong trajectory Development of Gross Loans Structure of Gross Loan Portfolio (PLN B) as of 31 December2011 +5.1% BRE - Individual BRE - others clients 0.7% +0.4 +2.1 +0.9 55.0% BRE Bank +1.1% +8.2% +33.1% Hip
Slide 11: Development of Deposit Base
Summary of Q4/11 in BRE Bank Group Development of Deposit Base Ample and stable liquidity enhanced further – ‘real’ LtD ratio at 86% Development of Deposits Structure of Deposits (PLN B) as of 31 December 2011 +10.8% +4.2% +23.8% -65.1% QoQ QoQ QoQ Highly liquid balance sheet allowing selective de
Slide 12: Business Development: Corporates & Institutions
Summary of Q4/2011 in BRE Bank Group Business Development: Corporates & Institutions Benefiting from network enhancement and client loyalty Clients Loans (PLN B) Deposits (PLN B) +5.3% +9.0% +27.7% +0.7% +8.2% +23.8% 13 271 13 878 13 977 25.6 25.8 27.9 27.0 21.2 21.8 Q4/10 Q3/11 Q4/11 Q4/10 Q3/11 Q4
Slide 13: Business Development: Retail Banking
Summary of Q4/2011 in BRE Bank Group Business Development: Retail Banking Expanding client base and higher product penetration Clients (thou.) Loans (PLN B) Deposits (PLN B) +6.5% +15.0% +6.5% +1.3% +1.1% +4.2% 3,656 3,842 3,893 33.7 38.3 38.7 25.1 25.6 26.7 Q4/10 Q3/11 Q4/11 Q4/10 Q3/11 Q4/11 Q4/10
Slide 14: Key Financials Q4/11
Analysis of Q4/11 Results Key Financials Q4/2010 Q3/2011 Q4/2011 QoQ Change YoY Change Core income1) 703.5 767.5 756.5 -1.4% +7.5% Total income2) 844.4 934.5 903.2 -3.3% +7.0% Total cost (454.7) (438.4) (447.4) +2.1% -1.6% Net provisions (126.0) (111.2) (89.5) -19.5% -28.9% Profit before tax 263.8 3
Slide 15: Income of BRE Bank Group
Analysis of Q4/11 Results Income of BRE Bank Group Solid generation of recurrent income BRE Bank Group Income QoQ & YoY Income structure by Business Line in Q4/11 (PLN M) Corporates and Markets; PLN 392.1M; 44% +7.0% Corporates Trading and and Investment -3.3% Institutions; Activity; PLN 287.3M; PLN
Slide 16: Costs of BRE Bank Group
Analysis of Q4/11 Results Costs of BRE Bank Group A more flexible cost base brings visible results Overhead Costs + Depreciation of BRE Bank Group QoQ & YoY Cost Structure by Business Line in Q4/11 (PLN M) -1.6% Trading and Retail +2.1% Investment Banking; Activity; PLN 201.1M; PLN 55.2 M; 45% +3.6%
Slide 17: Structure of Loan Loss Provisions
Analysis of Q4/11 Results Structure of Loan Loss Provisions Strict origination standards, a well-performing portfolio, lower LLPs BRE Bank Group’s Loan Loss Provisions (PLN M) Trends in Q4/11: -19.5% - Stable financial standing of corporate -46.5% +4.0% and retail clients QoQ QoQ - Cost of risk at
Slide 18: Agenda
Agenda Analysis of Q4/11 Results BRE Bank Group in 2011 2012 Outlook Appendix Additional Information: Selected Financial Data Detailed Results of Business Lines 18
Slide 19: 2011 performance v. 2010-2012 financial plan (1/2)
2011 performance v. 2010-2012 financial plan (1/2) Financial targets 2012 achieved in full and one year ahead of plan Total income growth yoy 1) and drivers Cost/income ratio and drivers Target 2010-12: >10% Actual 2011: Target 2010-12: c. 50% Actual 2011: 14 54 12 52 ~50 48 >10 8 2009 2010 2011
Slide 20: 2011 performance v. 2010-2012 financial plan (2/2)
2011 performance v. 2010-2012 financial plan (2/2) Financial targets 2012 achieved in full and one year ahead of plan ROE (pre-tax) and drivers Core Tier 1 ratio and drivers 1) Target 2010-12: c. 20% Actual 2011: Target 2010-12: 8-10% Actual 2011: 21 10.4 9.6 8-10 ~20 16 6.6 5 2009 2010 2011 2012
Slide 21: BRE Bank has markedly improved its financial standing since 2009
BRE Bank has markedly improved its financial standing since 2009 Outperforming the broader market by a wide margin Loans and deposit growth yoy (%) Total income growth yoy (%) 1) 14 12 20 17 13 14 8 13 7 7 10 9 9 10 9 6 3 2 Loans Deposits Loans Deposits Loans Deposits 2009 2010 2011 2009 2010 2011 C
Slide 22: Macroeconomic Update (1/2)
Macroeconomic Update (1/2) GDP growth decoupling positively with the global economy Negative spillovers from the euro zone remain limited. Short current investment cycle to date, demand still growing, Relatively high economic activity set to neutralize negative high decapitalization and liquidit
Slide 23: Macroeconomic Update (2/2)
Macroeconomic Update (2/2) Monetary aggregates extending positive trends Strong rebound of corporate loans along with renewed growth Decelerating household credit growth. Strong rise of deposits of corporate deposits supported by better financial results. reflects a rise in savings rate, outflow
Slide 24: 2012 Outlook (1/3): Key trends impacting 2012 results
2012 Outlook (1/3): Key trends impacting 2012 results Resilient business environment but outlook remains uncertain Loss of economic momentum still very limited, GDP growth expected at ~2.8% Fiscal consolidation to improve trust in the Polish economy Resilient economic with limited impact on grow
Slide 25: 2012 Outlook (2/3): Resilient business model
2012 Outlook (2/3): Resilient business model BRE Bank: Solid financial standing and market position High capital adequacy ratio and Core Tier 1 ratio at 16.7% and 11.3% respectively, including 2011 profits Strong capital adequacy and Tier II providing additional buffer against adverse currency m
Slide 26: 2012 Outlook (3/3): Key strategic directions
2012 Outlook (3/3): Key strategic directions Strong capital, solid balance sheet structure and ample liquidity 1 to address growth opportunities and potential regulatory tightening Balanced focus on core revenues and proactive cost control measures. 2 Development accompanied by prudent risk manageme
Slide 27: Agenda
Agenda Analysis of Q4/11 Results BRE Bank Group in 2011 2012 Outlook Appendix Additional Information: Selected Financial Data Detailed Results of Business Lines 27
Slide 28: Appendix
Appendix Additional Information: Detailed Results of the Business Lines Page No. Selected Financial Data & Business Environment Page No. P&L Summary 30 BRE Bank Retail Banking 48-57 BRE Bank Group’s Historical Performance 31-33 Summary of Q4/11 49 Profitability of the Business Lines 34 Customer Acqu
Slide 29: Additional Information: Selected Financial Data
Appendix Additional Information: Selected Financial Data 29
Slide 30: Consolidated Profit and Loss Account under IFRS
Appendix Additional Information: Selected Financial Data Consolidated Profit and Loss Account under IFRS PLN thou. Q4/10 Q1/11 Q2/11 Q3/11 Q4/11 By quarter Net interest income 503,125 506,524 542,486 548,179 551,413 Net fee and commission income 200,366 207,388 208,208 219,297 205,079 Dividend incom
Slide 31: BRE Bank Group's historical performance (1/3)
Appendix BRE Bank Group’s historical performance (1/3) Net interest income Net fee and commission income (PLN M) (PLN M) 2.1 2.3 2.3 2.3 2.2 2.5 2.5 2.5 840.0 2,148.6 745.9 1,658.2 1,811.0 564.3 551.5 594.7 1,392.5 416.4 1,027.8 724.2 548.2 551.4 219.3 205.1 2006 2007 2008 2009 2010 2011 Q3/11 Q4/11
Slide 32: BRE Bank Group's historical performance (2/3)
Appendix BRE Bank Group’s historical performance (2/3) Operating costs Pre-provision income (PLN M) (PLN M) 63.7% 55.5% 55.1% 54.2% 51.8% 48.3% 1,840.6 1,617.3 1,722.9 1,507.3 1,550.1 1,544.8 1,306.5 1,279.6 1,136.3 1,044.4 922.4 580.6 496.1 455.8 438.4 447.4 2006 2007 2008 2009 2010 2011 Q3/11 Q4/1
Slide 33: BRE Bank Group's historical performance (3/3)
Appendix BRE Bank Group’s historical performance (3/3) Total assets Total gross loans1) (PLN B) (PLN B) 23.9 34.4 53.0 54.4 61.8 70.2 66.8 70.2 3.6 3.7 3.6 0.8 1.3 2.1 30.6 30.6 26.3 30.6 21.5 22.5 1.0 98.9 94.4 98.9 0.8 10.6 7.4 8.1 8.1 8.1 82.6 81.0 90.0 5.2 6.4 6.7 3.3 56.0 2.2 42.3 25.0 23.4 25.
Slide 34: Profitability of the Business Segments
Appendix Summary of Q4/2011 in BRE Bank Group: Profitability of the Business Segments Quarterly Result before Tax by Business Segment (PLN M) BRE Bank Group Retail Banking Corporates & Financial Markets +38.8% +105.6% -14.0% -4.8% -0.2% -23.6% 235.5 235.1 384.9 366.2 160.4 142.5 263.8 122.5 114.3 Q4
Slide 35: Loan to Deposit Ratio
Appendix Additional Information: Selected Financial Data Loan to Deposit Ratio LtD Ratio in BRE Bank Group The ratio of loans to deposits stood at 125.1% in Q4/11 However, funding policy for FX risk mitigation is 125.2 131.6 125.1 implemented 81.9 86.3 86.2 BRE mid-term loans in CHF fund CHF-d
Slide 36: Wholesale FX funding profile details for 2012
Appendix BRE Bank wholesale FX funding profile details for 2012 Details of 2012 maturities 1 PLN 3 B 2 3 2012 maturities CHF 430 M EUR 250 M USD 100 M Actual refinancing needs Funding strategy: 1 No significant funding needs due to loan book repayments 2 Funding mix to optimise costs and support len
Slide 37: Capital Adequacy Ratio (CAR) in Q4/11
Appendix Additional Information: Selected Financial Data BRE Bank Group’s Capital Adequacy Ratio (CAR) in Q4/11 CAR at solid level of 14.96%; Core Tier 1 Ratio at 9.59% in 12/11 Pro-forma CAR at 16.7% and Core Tier 1 ratio at 11.3% including 2011 net profit retention Relation between Capital Adequac
Slide 38: Results of Subsidiaries
Appendix Additional Information: Selected Financial Data Results of Subsidiaries Profit before Tax of Consolidated Subsidiaries (PLN M) 53.5 49.1 44.1 2011 profit before 33.9 36.1 37.1 33.2 37.8 32.8 32.1 tax of consolidated 27.6 subsidiaries at 18.7 PLN 284.3 M 10.7 12.0 12.5 10.7 11.0 10.5 7.6 7
Slide 39: Net Interest Income & Margin
Appendix Additional Information: Selected Financial Data Net Interest Income & Margin Interest Income Structure Net Interest Income, Q4/11 by Business Lines (PLN M) (PLN M) 876.7 891.5 937.5 990.3 1,051.9 +0.6% 3.3 2.2 19.9 56.4 -5.3 1.8 6.8 21.7 1.3 23.2 15.1 20.2 165.7 778.4 548.2 551.4 733.4 628.
Slide 40: Commission Income
Appendix Additional Information: Selected Financial Data Commission Income Commission Income Structure Net Fee and Commission Income, Q4/11 by Business Lines (PLN M) (PLN M) 314.8 306.7 330.0 326.7 315.7 -6.5% 41.1 39.5 40.5 41.4 40.3 36.3 50.5 46.6 34.1 36.3 17.3 2.9 50.7 48.8 52.5 50.1 49.1 31.8 2
Slide 41: Trading Income
Appendix Additional Information: Selected Financial Data Trading Income Contributors of Net Trading Income FX Result Contributors in Q4/11 (PLN M) (PLN M) 88.2 104.3 95.6 105.8 111.4 111.3 36.3 37.3 37.6 32.0 40.5 32.7 19.2 40.9 13.7 15.6 3.3 31.6 13.2 13.3 12.5 14.1 7.1 21.7 23.1 11.6 2.6 0.8 0.7 5
Slide 42: Administrative Expenses Structure
Appendix Additional Information: Selected Financial Data Administrative Expenses Structure Overhead Costs and Depreciation C/I Ratio of BRE Bank Group (PLN M) (%, as at the end of period) 416.9 454.6 408.4 428.7 438.4 447.4 10.3 18.3 24.1 22.5 15.8 59.7 22.8 72.1 59.8 58.7 60.9 58.6 165.3 150.5 144.
Slide 43: Loans and Deposits
Appendix Additional Information: Selected Financial Data Loans and Deposits Net Loans (PLN B) +14.3% BRE Bank1) Market1) 59.4 61.3 1.2 2) 1.2 2) QoQ +5.1% +2.4% 60.1 64.4 67.9 59.4 58.2 +0.0% +3.2% +7.2%3) +5.3% YoY +13.6% +14.3% 12/10 03/11 06/11 09/11 12/11 Deposits (PLN B) +15.0% BRE Bank Market
Slide 44: Balance Sheet Analysis: Currency Structure
Appendix Additional Information: Selected Financial Data Balance Sheet Analysis: Currency Structure Currency Structure of Loans (net) Currency Structure of Amounts due to banks and customers1) (PLN B) (PLN B) 59.4 59.4 61.3 64.4 67.9 79.2 78.0 76.7 81.5 85.1 2.0 3.2 1.9 2.5 3.3 2.7 3.2 3.2 1.8 1.9 2
Slide 45: Balance Sheet Analysis: Assets
Appendix Additional Information: Selected Financial Data Balance Sheet Analysis: Assets Structure of Assets Loans and Advances to Customers1) (PLN B) Portfolio by Customer Category (PLN B) 90.0 89.0 88.7 94.4 98.9 61.2 61.2 62.8 66.2 69.8 . 3.5 3.2 4.3 2.1 1.2 6.6 4.7 1.2 3.8 4.3 2.9 2.0 1.8 1.9 1.9
Slide 46: Balance Sheet Analysis: Liabilities
Appendix Additional Information: Selected Financial Data Balance Sheet Analysis: Liabilities Structure of Liabilities Structure of Deposits (PLN B) (PLN B) 90.0 89.0 88.7 94.4 98.9 47.1 46.6 46.7 49.0 54.2 7.5 0.5 0.8 0.8 7.0 5.5 5.2 8.1 6.1 7.8 1.6 7.1 1.7 0.9 1.0 0.6 7.2 7.6 1.5 1.5 1.5 1.4 27.0 2
Slide 47: 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 Impairment losses on loans and advances (consolidated data, PLN M) -634.8 -373.5 2.3% 2.2% 3.4% 4.7% 5.3% 6.0% 5.3% 5.6% 5.0% 5.3% 4.6% -59 -114 -111 -9
Slide 48: Detailed Results of the Business Lines: Retail Banking
Appendix Detailed Results of the Business Lines Q4/11 Retail Banking 48
Slide 49: Retail Banking: Summary of Q4/11 Financial Results
Appendix BRE Bank Retail Banking Summary of Q4/11: 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 81.5 151.0 114.3 186.3 317.1 235.5 235.1 90.31) 234.3 238.6 243.8 192.9 163.2 108.2 114.6 98.5 124.3 125.2 69.3 7
Slide 50: Retail Banking (Poland): Customer Acquisition and Volume Trends
Appendix BRE Bank Retail Banking (Poland) Customer Acquisition and Volume Trends Data as of 31.12.2011 End of 09/11 Change End of 12/11 (M) 3.32 M clients +1.2% 3.36 M 0.4 0.6 4.3 4.6 M accounts +1.1% 4.7 M 2.8 Customers Accounts 19.7 B deposits (PLN) +7.2% 21.2 B (PLN B) 0.7 20.3 35.3 B loans (PLN)
Slide 51: Retail Banking foreign operations (CZ/SK): Customer Acquisition and Volume Trends
Appendix BRE Bank Retail Banking foreign operations (CZ/SK) Customer Acquisition and Volume Trends Data as of 31.12.2011 End of 09/11 Change End of 12/11 (thou.) 261.9 515.4 thou. customers +2.3% 527.0 thou. 140.7 742.6 386.3 984.7 thou. accounts +2.0% 1,004.5 thou. Customers Accounts (EUR M) 872.2
Slide 52: Acquisition of Microenterprises
Appendix BRE Bank Retail Banking Acquisition of Microenterprises1) 409 thousand microenterprises serviced by BRE Bank Retail Banking Number of serviced microenterprises Volume of loans granted to microenterprises (PLN M) up by 4.9 thousand in Q4/11 and number of microenterprises (thou.) PLN 3,21
Slide 53: Deposits & Loans: Market Shares
Appendix BRE Bank Retail Banking Deposits & Loans: Market Shares Household Deposits1) Household Loans1) (PLN B) (PLN B) 12/11: 12/11: 4.6% 6.7% 40 7% 40 6.7% 7% 6.7% 6.6% 6.5% 6.5% 7.0% 6.4% 6.7% 35 35 6.5% 6.5% 6.4% 6% 6.3% 6% 5.5% 5.9% 30 5.0% 5.2% 5.2% 5.1% 5.0% 30 5.0% 4.8% 5% 5.4% 5% 4.6% 5.2%
Slide 54: 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 Banking1) loans to individuals) (Household Loans) at 31.12.2011 in Poland in Poland, Czech Republic & Slovakia Bala
Slide 55: Distribution Network
Appendix BRE Bank Retail Banking Distribution Network Aspiro Distribution Network MultiBank Branches (in Poland) (in Poland) 103 161 142 134 130 122 115 111 106 100 97 109 131 134 134 133 133 133 134 134 134 135 77 52 58 54 59 61 61 61 62 62 62 61 46 42 33 26 21 18 44 27 13 10 65 65 65 65 65 65 63 6
Slide 56: 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 Premiums (PLN M) Gross Written Premiums (PLN M) Gross Written Premiums (PLN M) +91% +61% +20% 1,204.2 140.8 129.6 107.9 629.3 87.4
Slide 57: Retail Banking (Poland): Clients & volumes
Appendix BRE Bank Retail Banking (Poland) Clients & volumes Clients Deposits (thou.) (PLN B) +1.2% +6.3% 5 4 4 4 4 1.5 5 5 2.3 2.1 2.0 1.8 1.7 1.6 1.6 6 5 600 603 610 2.1 592 592 595 6.0 7 588 603 2.5 5.7 5.5 5.2 5.1 5.0 4.7 5.1 570 5.2 493 4.4 2,436 2,511 2,581 2,644 2,688 2,719 2,752 15.2 2,296 2,
Slide 58: Detailed Results of the Business Lines: Corporates & Financial Markets
Appendix Detailed Results of the Business Lines Q4/11 Corporates & Financial Markets 58
Slide 59: Corporates and Financial Markets: Summary of Q4/11 Financial Results
Appendix Corporates and Financial Markets Summary of Q4/11: Financial Results Result before Tax of the Segment Structure of the Result before Tax of the Segment in Q4/11 (by quarter, PLN M) (PLN M) 1.3 27.6 73.6 321.0 0.0 96.4 137.7 Vectra 242.0 390,8 167.6 364,5 160.4 142.5 318,5 318,5 135.4 128.2
Slide 60: Corporates and Institutions: Customer Acquisition and Volume Trends
Appendix Corporates and Institutions Customer Acquisition and Volume Trends End of 09/11 Change End of 12/11 Corporate Loans (PLN B) 13,878 corporate clients +99 13,977 10.2 10.2 15.6 17.7 25.8 B corporate loans (PLN) +8.2% 27.9 B 09/11 12/11 thereof: 15.6 B loans for enterprises +13.6% 17.7 B (PLN)
Slide 61: Loans & Deposits: Market Share
Appendix Corporates and Institutions Loans & Deposits: Market Share1) BRE Bank’s Market Share in Corporate Loans and Deposits Corporate1) Deposit Volume 01/07 – 12/11 (BRE Bank only, PLN B) 12% 21.0 17.3 16.8 16.1 15.4 10% 14.9 9.9% 14.6 14.6 14.4 14.2 13.7 13.3 13.3 14.0 13.1 12.9 12.7 12.5 12.2 8%
Slide 62: 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: (BRE Bank, PLN B) Number and Structure 16.3 15.6 15.9 15.9 19.5 19.6 19.6 21.4 24.6 12,836 12,783 13,026 13,126 13,271 13,423 13,636 13,878 13,977 1,145 1,153 1,18
Slide 63: Cash Management
Appendix Corporates and Institutions Cash Management Income on Cash Management products Number of Clients Using Cash Consolidation Services +9.5% +5.4% 589 645 Q4/10 Q4/11 12/10 12/11 Direct Debit Identification of Trade Payments (thou. of transactions) (M of transactions) +10.4% +12.8% 835 922 2.68
Slide 64: Products for Local Governments and Structured and Mezzanine Finance
Appendix Corporates and Institutions Products for Local Governments and Structured and Mezzanine Finance Volume of transactions with local governments Volume of Structured and Mezzanine Finance Volume of transactions with local governments Volume of Structured and Mezzanine Finance increased by
Slide 65: Leasing and Factoring
Appendix Corporates and Institutions Leasing and Factoring Profit before Tax (PLN M) BRE Faktoring – formerly Polfactor (Poland) PLN 6.4 M pre-tax profit in Q4/11 (+48.7% QoQ) 0.9 driven by increased sales and reduced LLPs Sales at PLN 1.9 B in Q4/11 (+21.5% QoQ); 6.4 Ranked 5th in the Polish
Slide 66: Trading and Investment Activity: Market Shares
Appendix Trading and Investment Activity Market Shares BRE Bank’s Market Share1) BRE Bank in the Market for Non-Treasury Debt2) in Investment Banking Services for 12m/11 (PLN M) 7.4% 18.6% 24,185 22,248 15,684 3,749 4,585 3,446 Treasury IRS/FRA Bills and Bonds Short-term Debt Corporate Debt Mid-term
Slide 67: BRE Bank Hipoteczny (BBH)
Appendix Trading and Investment Activity BRE Bank Hipoteczny (BBH) Loan Portfolio (PLN M) Profit before Tax Balance-sheet Exposure (net value) (PLN M) 4,527 4,427 4,275 4,107 3,889 3,925 3,787 3,769 3,800 3,831 4,010 4,150 -2.1% 74 68 61 59 52 50 726 56 58 54 53 52 51 723 721 551 699 691 672 624 636
Slide 68: Dom Inwestycyjny BRE Banku (DI BRE)
Appendix Trading and Investment Activity Dom Inwestycyjny BRE Banku (DI BRE) Number of Accounts with DI BRE Profit before Tax Q4/11 (thou.) (PLN M) DI BRE accounts 53.9 -36.0% eBroker (mBank) 204.6 Brokerage Service (MultiBank) 35.8 TOTAL 294.3 DI BRE Market Share in Q4/11, by volume1) 10.14 6.49 Eq
Slide 69: Contact details
Contact details BRE Bank’s Investor Relations at your service: Relacje.inwestorskie@brebank.pl Wojciech Chmielewski Direct dial: +48 22 829 14 34 Head of Investor Relations Fax: +48 22 829 15 19 E-mail: wojciech.chmielewski@brebank.pl Joanna Filipkowska Direct dial: +48 22 829 04 53 Deputy Head of I