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February 2005

PKO IN A NUTSHELL. February 2005. Total Assets of Polish Banks. PKO Bank Polski Overview. 8 5 years of tradition Largest branch network in Poland (1 2 66 own branches, 2 725 agencies) Ratings: Moody’s: Long-Term A2 , Short-Term P- 1 Capital Intelligence: LT BBB + , ST A2

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February 2005

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  1. PKO IN A NUTSHELL February 2005

  2. Total Assetsof Polish Banks

  3. PKO Bank PolskiOverview • 85 years of tradition • Largest branch network in Poland (1 266 own branches, 2 725 agencies) • Ratings: • Moody’s: Long-Term A2, Short-Term P-1 • Capital Intelligence: LT BBB+, ST A2 • Standard & Poors: Long-Term BBBpi • PKO is handling 5,5 mio accounts for individual customers • 5,4 mio banking cards issued

  4. Retail banking Private and corporate lending Foreign exchange International settlements Trade finance Brokerage Leasing Internet banking PKO Productsand Services

  5. Bank’s Organization Corporate Centres: 70 Branches: 1266 December, 2004

  6. PKO Group PKO/Credit Suisse Mutual Fund - mutual fund created in co-operation with Credit Suisse in July 1997. PKO was the first bank in Poland which obtained The Security Commission’s permission to sell units through the banking network Bankowy PTE S.A. - wholly-owned common pension fund established in August 1998 in order to conduct activity within the so-called second pillar of social security system BANKOWY Fundusz Leasingowy S.A. - leasing subsidiary created in February 1999 PKO Inwestycje S.A. - investment company, specializing in big developmental projects, established in 2001 eService - electronic payment (cards) settlements centre established in August 1999 (as the third one on the market) Inteligo Financial Services S.A. -internet banking services

  7. PKO Growth1991-2004 Balance Sheet Total in PLN bn (nominal value) € 1 = PLN 4.0 (Feb 05)

  8. PKO’s privatisation 11 XLaunch of PKO BP stock sales to holders of privatization deposits 21 XAnnouncing of the official price range for the shares 22 X- 3 XIIndividuals subscribing to shares in the brokerage houses 22 X - 3 XIRegistration of shares purchase statement from institutional investors3 XISetting of the share price 6 XIAllocation of shares to individual investors during the special stock exchange session 10 XIDate of PKO BP's first listing at the Warsaw Stock Exchange

  9. Client Base • Over 5.5 million personal current accounts • Ca. 2.6 million savings books • Ca. 440 thousand corporate accounts - mainly small and medium size companies • December 2004

  10. Personal Current AccountsPKO market shareDecember 2004 Source: IBnGR

  11. Personal Internet Bank Accounts PKO market share December 2004

  12. No 1 in terms of assets - ca 17% of the banking sector(September 2004) • No 1 in terms of capital - ca 15% of the banking sector(September 2004) • No 1 in termsof outlets *( 3 991 outlets, including agencies)- ca 40% of the market(December 2004) • No 1 in terms of current accounts for individuals - ca 34% of the market (December 2004) • No 1 in termsof credits granted - ca 14% of the market (December 2004) • No 1 in cash and payment cards issued (5,44 million) – ca.25% of the market (December 2004) • No 1 in number of ATMs - 1785 installed machines, ca 22% of the market (December 2004) • *without co-operative banks PKO’s Position in thePolish Banking Market(estimations)

  13. Total AssetsSeptember 2004

  14. Net Profits – 3rd quarter of 2004

  15. Ratio Analysis

  16. DEPARTAMENT FINANSOWANIA STRUKTURALNEGO I INSTYTUCJI FINANSOWYCH ul. Puławska 15 00-975 Warszawa tel: (48 22) 521 80 67 fax.: (48 22) 521 80 68

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