TOP 200 BANKS IN CEE – 2010 EDITION

September 2010

by Intelace Research

Intelace Research

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200 BA

NK

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EE-15 – 20

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ITION

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TABLE OF CONTENT

1. CEE-15 Banking Market Slide 1: CEE banking markets: size vs. growth matrix, 2007-2009 Slide 2: Banking assets penetration Slide 3: Bank assets in CEE-15 by country, 2008-2009 Slide 4: Top 10 Investors in CEE banks, 2009 Slide 5: Report coverage: Number of large banks by country, 2008/2009 Slide 6: CEE-15 and Top 200 assets evolution 2007/2009 Slide 7: Profitability of Top 200 banks, 2009: ROAE, ROAA 2. List of 200 major banks on the CEE-15 banking market as of 2009 Slide 8: Top 200 - League table: Banks 1-25 Slide 9: Top 200 - League table: Banks 26-50 Slide 10: Top 200 - League table: Banks 51-75 Slide 11: Top 200 - League table: Banks 76-100 Slide 12: Top 200 - League table: Banks 101-125 Slide 13: Top 200 - League table: Banks 126-150 Slide 14: Top 200 - League table: Banks 151-175 Slide 15: Top 200 - League table: Banks 176-200 Note on methodology

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AGENDA

CEE-15 Banking Market

TOP 200 CEE banks – league table

Intelace Research

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200 BA

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EE-15 – 20

10 ED

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BANKING MARKETS IN THE CEE-15* AREA – SIZE VS.GROWTH

258

155

126

78

53

53

52

36

31

24

21

23 11 7 5

0

2

4

6

8

10

12

14

16

18

20

22

24

26

28

-1% 1% 3% 5% 7% 9% 11%

* Major 15 CEE countries. Russia, Ukraine and Belarus not included Source: Central banks, IMF, Intelace Research

Poland

Czech Republic

Hungary

Slovenia

Bulgaria

Romania

Estonia

Latvia

BiH

Croatia

Albania Serbia

Average annual assets growth (CAGR), 2007-2009, in EUR, %

Ban

kin

g as

sets

per

cap

ita,

20

09

, `0

00

EU

R

Lithuania

Low growth

CEE-15* banking markets - Size vs. growth matrix, 2007-2009

FYROM (Macedonia)

x Total banking assets, 2009 in billion EUR

Moderate growth

Slovakia

4

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167%

150%

144%

132%

116%

112%

111%

93%

85%

82%

81%

79%

77%

73%

67%

Latvia

Estonia

Slovenia

Hungary

Croatia

Czech Rep

Bulgaria

Lithuania

BiH

Slovak Rep

Albania

Poland

Macedonia

Serbia

Romania

25.7

15.4

14.8

13.5

12.6

11.9

9.8

7.2

6.8

4.8

3.5

3.0

2.6

2.4

2.0

Slovenia

Estonia

Czech Rep

Latvia

Hungary

Croatia

Slovak Rep

Lithuania

Poland

Bulgaria

Romania

Serbia

BiH

Macedonia

Albania

5

Banking assets/capita, 2009 EUR `000

Banking assets/GDP, 2009 percent

Source: Central banks, IMF, National Statistical Offices

ASSET PENETRATION VARIES STRONGLY ACROSS THE CEE-15 AREA

CEE-15 weighted

average: 96

CEE-15 weighted

average: 7.4

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4.6

1.7

7.6

3.9

-10.9

1.1

4.2

0.7

-2.2

-1.6

-1.3

4.0

-0.2

0.4

0.4

3.9

2.6

-2.7

-4.5

0

0.1

0

0

0

0

0

-1.5

0

-0.7

0

249.7

150.2

121.3

79.0

63.9

51.6

47.6

35.6

33.0

25.9

20.1

21.9

10.8

6.8

4.6

Poland

Czech Rep

Hungary

Romania

Slovak Rep

Croatia

Slovenia

Bulgaria

Latvia

Lithuania

Estonia

Serbia

BiH

Albania

Macedonia

6

DURING 2009 BANKING ASSETS IN CEE-15 COUNTRIES INCREASED BY ~1%, REACHING EUR 932 BILLION

* Growth (during 2009) in local currency divided by exchange rate as of EoY 2009 ** Appreciation vs. EUR Source: Central banks, Intelace Research

Banking Assets, EoY 2008 Nominal Growth* Banking Assets, EoY 2009

Total CEE 15

3.4

2.9

4.0

-0.8

-17.0

2.3

8.8

2.0

-6.7

-6.2

12.4

-6.1

-1.6

-4.3

8.5

Assets growth %

922 13 932 1.1

in EUR billion

-3

Local currency appreciation**

Assets increase during ’09, due to:

Highest growth rate

258.2

154.6

126.2

78.3

53.0

52.8

51.8

36.3

30.8

24.3

22.5

20.6

10.6

6.5

5.0

Intelace Research

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12

6

9

11

7

8

5

3

3

6

82.0

73.7

72.6

56.9

48.5

36.2

23.7

22.5

20.9

17.8

UNICREDIT IS THE MAJOR FOREIGN INVESTOR IN CEE BANKING SECTOR

* Share in CEE region (combined) Source: Banks, Intelace Research

Number of countries where bank is present Bank

UniCredit 9.3

Market share* percent Rank

10

7

9

8

6

5

3

4

2

1

8.4

8.3

6.5

5.5

4.1

2.7

2.6

2.4

2.0

Top 10 foreign investors in CEE banks, 2009

51.8

Controlled assets EUR billion

454.9 7

Société Générale

Intesa Sanpaolo

ING

Commerzbank

Swedbank

OTP

Erste

KBC

Raiffeisen

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ALMOST THE HALF OF TOP CEE BANKS COME FROM 4 MAJOR MARKETS: POLAND, CZECH REPUBLIC, HUNGARY AND ROMANIA

TOP 200 banks in CEE - number of banks by country*

* Top 200 qualifying condition: Assets worth EUR 571 m. (2009) vs. EUR 654 m. (2008) ** Montenegro not included Source: Banks, Intelace Research

Report Coverage change 2009/2008

Russia

Estonia

Latvia

Lithuania

Poland

Czech

Hungary

Slovakia

Bulgaria

Slovenia

Macedonia

Bosnia

Croatia

Serbia

Albania

Montenegro**

Romania

Belarus

Ukraine

Germany

Austria

Greece

as of 2009

Countries covered

-2

-1

1

1

0

0

-1

1

0

-1

1

1

0

0

0

30

24

22

21

18

14

13

13

11

9

8

6

4

4

3

Poland

Czech Rep

Hungary

Romania

Slovenia

Bulgaria

Slovak Rep

Serbia

Latvia

Croatia

Lithuania

Bosnia

Albania

Estonia

Macedonia

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TOP 200 CEE BANKS ACCOUNT FOR MORE THAN 90% OF CEE BANKING ASSETS

CEE-15 bank assets, 2007-2009 EUR billion, percent

Source: Intelace Research

+7

+8

+6

Assets value of bank #200 in CEE-15 EUR million

x 2009/2007 CAGR, %

TOP200 banks hold most banking assets on CEE15 markets

Top 200 league „qualifying level” fell down in 2009

TOP 200

banks

Other

-4

618 654

571

2007 2008 2009

90.5 90.7 90.3

9.5

9.3 9.7

2007 2008 2009

819

922 932

100% =

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-50

-40

-30

-20

-10

0

10

20

30

40

50

0 5 10 15 20 25 30 35

10

PROFITABILITY OF CEE BANKS DECREASED IN 2009

* Not weighted average for 180 banks. Excluded branches of foreign banks ** ROAE – Return on average equity, ROAA – Return on average assets Source: Intelace Research

ROAE** distribution for Top 200*, 2009 in percent

CEE banks profitability fell down sharply in 2009

Top 200 - average profitability ratios*, 2008-2009 in percent

ROAE**

Asset size billion EUR

Number of banks reporting a

net loss in 2009: 40

0.61

6.81

1.31

15.47

ROAA**

ROAE**

as of 2009 as of 2008

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AGENDA

CEE Banking Market

TOP 200 CEE banks – league table

Intelace Research

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TOP 200 BANKS IN CEE - LEAGUE TABLE (1/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

1 1 PKO Bank Polski S.A. Poland 37,402 31,458 4,912 592 State

2 2 Bank Pekao S.A. Poland 30,895 30,676 4,374 599 UniCredit

3 4 Československá obchodní banka a.s. Czech Republic 28,444 26,230 2,305 816 KBC

4 3 Česká spořitelna a.s. Czech Republic 27,772 27,063 2,177 425 Erste Group

5 6 OTP Bank Nyrt. Hungary 24,948 21,800 3,514 584 Various legal subjects

6 5 Komerční banka a.s. Czech Republic 22,862 22,650 2,367 392 Société Générale

7 7 BRE Bank S.A. Poland 17,675 17,343 928 14 Commerzbank

8 10 Nova Ljubljanska banka d.d. Slovenia 15,509 14,477 1,178 -24 State

9 9 Banca Comercială Română S.A. Romania 15,262 16,187 1,503 263 Erste Group

10 8 ING Bank Śląski S.A. Poland 14,545 16,667 1,148 142 ING

11 14 Zagrebačka Banka D.D. Croatia 12,704 12,205 1,934 166 UniCredit

12 11 BZ WBK S.A. Poland 12,644 13,233 1,337 240 AIB

13 12 Slovenská sporiteľňa a.s. Slovak Republic 11,333 12,359 753 12 Erste Group

14 15 Kereskedelmi és Hitelbank Zrt. Hungary 11,255 12,005 670 68 KBC

15 13 BRD Groupe Société Générale S.A. Romania 10,962 12,356 1,098 184 Société Générale

16 22 MKB Bank Zrt. Hungary 10,733 10,033 952 48 BayernLB

17 25 Erste Bank Hungary Nyrt. Hungary 10,717 9,940 625 87 Erste Group

18 17 Bank Millennium S.A. Poland 10,703 11,028 613 20 BCP

19 16 CIB Bank Zrt. (c) Hungary 10,180 11,477 980 17 Intesa Sanpaolo

20 21 UniCredit Bank Czech Republic a.s. Czech Republic 9,999 10,348 1,114 105 UniCredit

21 18 Všeobecná úverová banka a.s. Slovak Republic 9,550 10,852 964 146 Intesa Sanpaolo

22 26 Kredyt Bank S.A. Poland 9,472 9,257 646 40 KBC

23 19 Swedbank Estonia 9,288 10,679 535 -78 Swedbank

24 23 Raiffeisen Bank Zrt. Hungary 9,086 10,051 508 16 Raiffeisen

25 20 Tatra banka a.s. (c) Slovak Republic 9,014 10,551 808 95 Raiffeisen

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TOP 200 BANKS IN CEE - LEAGUE TABLE (2/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

26 24 Citibank handlowy S.A. Poland 8,874 9,886 1,493 128 Citibank

27 27 Privredna Banka Zagreb D.D. Croatia 8,831 8,703 1,342 113 Intesa Sanpaolo

28 66 BPH/GE Poland 8,317 3,779 837 14 GE Capital

29 28 BGK S.A. Poland 8,047 6,572 1,325 21 State

30 41 Getin Noble Bank Poland 8,045 5,586 699 77 GETIN Holding SA

31 35 OTP Jelzálogbank Zrt. Hungary 7,313 6,036 339 111 OTP

32 31 Raiffeisenbank a.s. Czech Republic 7,301 6,749 497 75 Raiffeisen

33 29 AB SEB Bankas Lithuania 6,966 7,481 412 -448 SEB

34 34 Erste & Steiermärkische Bank D.D. Croatia 6,699 6,222 759 83 Erste Group

35 32 UniCredit Bank Hungary Zrt. (c) Hungary 6,414 6,654 585 57 UniCredit

36 30 Swedbank Latvia 6,344 7,479 748 -427 Swedbank

37 44 Hypoteční banka a.s. Czech Republic 6,228 5,131 777 52 KBC (via ČSOB)

38 36 Českomoravská stavební spořitelna a.s. Czech Republic 6,089 5,776 312 64 KBC (via ČSOB)

39 38 BGŻ S.A. Poland 5,943 5,761 525 26 Rabobank

40 40 Unicredit Bulbank Bulgaria 5,889 5,631 835 99 UniCredit

41 42 Raiffeisenbank Austria D.D. Croatia 5,406 5,512 745 56 Raiffeisen

42 46 Polbank EFG Poland 5,354 4,900 FB -41 EFG Eurobank

43 71 Hypo Alpe-Adria-Bank D.D. Croatia 5,269 3,604 870 16 Hypo Alpe-Adria-Bank

44 39 AB Swedbank Lithuania 5,250 5,760 518 -305 Swedbank

45 33 Československá obchodná banka a.s. Slovak Republic 5,246 6,626 558 -15 KBC

46 43 Volksbank România S.A. Romania 5,139 5,360 295 n/a Volksbank International

47 37 Raiffeisen Bank Polska S.A. Poland 5,112 5,770 566 29 Raiffeisen

48 69 GE Money Bank a.s. Czech Republic 5,099 3,660 859 80 GE Capital

49 55 Alpha Bank Romania S.A. Romania 5,012 4,377 265 15 Alpha Bank

50 64 Nordea Poland 4,972 3,779 293 35 Nordea Bank

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TOP 200 BANKS IN CEE - LEAGUE TABLE (3/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure (g) – Gross profit as at 30 June 2009 Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

51 49 Fortis BNP Poland 4,944 4,767 333 -104 BNP

52 74 CEC Bank S.A. Romania 4,921 3,397 384 4 (g) State

53 56 UniCredit Tiriac Bank S.A. Romania 4,833 4,379 515 81 UniCredit

54 53 Nova KBM d.d. Slovenia 4,789 4,565 368 12 State

55 50 Raiffeisen Bank S.A. Romania 4,733 4,738 443 n/a Raiffeisen

56 57 Banca Transilvania S.A. Romania 4,606 4,270 420 15 EBRD

57 62 Abanka Vipa d.d. Slovenia 4,512 3,823 364 23 State

58 54 Dsk Bank Bulgaria 4,468 4,432 720 88 OTP

59 48 ING Bank N.V. Prague Branch Czech Republic 4,274 4,777 FB 35 ING

60 61 Magyar Fejlesztési Bank Zrt. Hungary 4,239 3,876 524 15 State

61 59 United Bulgarian Bank Bulgaria 4,167 3,960 534 51 NBG

62 52 AS SEB Pank Estonia 4,137 4,615 351 -93 SEB

63 68 DB PBC Poland 4,124 3,728 315 -10 Deutsche Bank

64 60 Citibank Europe plc organizační složka Czech Republic 4,005 3,888 FB n/a Citibank

65 58 SEB banka Latvia 3,818 4,296 305 -180 SEB

66 70 Stavební spořitelna České spořitelny a.s. Czech Republic 3,810 3,648 210 57 Raiffeisen

67 67 Splitska Banka D.D. Croatia 3,781 3,743 435 43 Societe Generale

68 47 Parex banka Latvia 3,505 4,848 217 -158 legal subjects

69 63 AB DnB NORD bankas Lithuania 3,458 3,794 235 -117 DnB NORD

70 65 Bancpost S.A. Romania 3,451 3,761 365 n/a EFG Eurobank

71 72 Raiffeisenbank (Bulgaria) Bulgaria 3,395 3,517 463 26 Raiffeisen

72 73 BUDAPEST Bank Nyrt. Hungary 3,328 3,503 370 37 GE Capital

73 79 UniCredit Banka d.d. Slovenia 3,267 2,891 191 9 TRIGLAV, D.D.

74 80 Banca Intesa a.d. Beograd Serbia 3,212 2,824 297 63 Intesa Sanpaolo

75 75 Nordea Bank Finland Latvia branch Latvia 3,196 3,294 FB -23 Nordea Bank

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TOP 200 BANKS IN CEE - LEAGUE TABLE (4/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

76 51 UniCredit Bank Slovakia a.s. Slovak Republic 3,185 4,652 428 22 UniCredit

77 93 Nordea Bank Estonia 3,101 2,547 FB 1 Nordea Bank

78 78 Raiffeisen stavebni spořitelna a.s. Czech Republic 3,096 2,964 133 32 Société Générale

79 82 Eurobank EFG Bulgaria Bulgaria 3,081 2,780 383 10 EFG Eurobank

80 87 FHB Jelzálogbank Nyrt. Hungary 3,046 2,696 282 24 Vienna Capital Partners

81 86 BPS Poland 3,036 2,702 114 14 Co-operatives

82 106 SID banka d.d. Ljubljana Slovenia 3,025 2,088 322 1 UniCredit

83 88 Lukas Bank Poland 3,018 2,675 301 13 Crédit Agricole

84 89 BOS Poland 2,916 2,659 214 3 State

85 90 Modrá pyramida stavební spořitelna a.s. Czech Republic 2,874 2,626 159 17 Commerzbank

86 91 SKB banka d.d. Slovenia 2,737 2,600 256 23 State

87 118 Eurobank Poland 2,683 1,799 216 24 Société Générale

88 84 ING Bank N.V. Romania 2,598 2,738 FB n/a ING

89 96 Banka Celje d.d. (c) Slovenia 2,560 2,415 199 7 Société Générale

90 83 DnB NORD Banka Latvia 2,514 2,783 178 -124 DnB NORD

91 76 COMMERZBANK AG Prague Branch Czech Republic 2,503 3,287 FB 20 State

92 85 Dexia banka Slovensko a. s. Slovak Republic 2,468 2,718 82 -13 Dexia

93 95 Banka Koper d.d. Slovenia 2,426 2,502 258 22 KBC

94 97 Santander Poland 2,414 2,416 211 6 Santander

95 77 Citibank Zrt. Hungary 2,372 3,027 289 80 Citibank

96 94 Nordea Bank, Lietuvos skyrius Lithuania 2,369 2,506 FB -12 Nordea Bank

97 81 Českomoravská záruční a rozvojová banka a.s. Czech Republic 2,348 2,801 206 31 State

98 102 Hypo Alpe-Adria-bank d.d. Slovenia 2,332 2,262 194 3 Intesa Sanpaolo

99 98 Piraeus Bank Romania S.A. Romania 2,251 2,325 262 n/a Piraeus Bank

100 103 Raiffeisen BANK d.d. BiH BiH 2,146 2,183 188 4 Raiffeisen

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TOP 200 BANKS IN CEE - LEAGUE TABLE (5/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure (x) – Data as at 30 September 2009; (y) – Data as at 31 December 2008 (g) – Gross profit Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

101 114 Komercijalna banka a.d. Beograd Serbia 2,141 1,928 178 22 State

102 104 First Investment Bank Bulgaria 2,094 2,176 209 16 private individuals

103 92 Danske Bank Estonia 2,093 (x) 2,592 FB -131 (g) Danske Bank

104 134 Poštová banka a.s. Slovak Republic 2,080 1,460 165 23 ISTROKAPITAL SE

105 100 Banca Românească S.A. NBG Romania 2,041 2,308 228 2 NBG

106 116 Raiffeisen banka a.d. Beograd Serbia 2,018 1,816 286 0 Raiffeisen

107 112 Prvá stavebná sporiteľňa a.s. Slovak Republic 2,000 1,949 253 28 Swab. Hall, Raiffeisen

108 115 Gorenjska Banka d.d. Slovenia 1,938 1,826 373 34 Hypo Alpe-Adria-Bank

109 110 Hrvatska Poštanska Banka D.D. Croatia 1,914 1,998 89 -61 State

110 121 DnB NORD Poland 1,887 1,739 145 -19 DnB NORD

111 127 Česká exportní banka a.s. Czech Republic 1,879 1,578 112 4 Volksbank International

112 105 Piraeus Bank Bulgaria Bulgaria 1,853 2,118 266 23 Piraeus Bank

113 124 AB bankas Snoras Lithuania 1,837 1,649 146 3 private individuals

114 108 Raiffeisen Bank Sh.a. (c) Albania 1,835 2,048 178 34 Raiffeisen

115 119 Volksbank CZ a.s. Czech Republic 1,799 1,774 207 7 PPF Group N.V.

116 122 UniCredit Bank d.d. BiH 1,765 1,688 188 15 UniCredit

117 113 AIG Poland 1,756 1,936 250 7 AIG

118 109 Magyarországi Volksbank Zrt. Hungary 1,728 2,024 n/a -8 Volksbank International

119 120 Otp Banka Hrvatska D.D. Croatia 1,717 1,747 219 12 OTP

120 101 RBS Bank Romania S.A. Romania 1,697 2,295 150 n/a RBS

121 123 PPF banka a.s. Czech Republic 1,634 1,660 133 31 Wüstenrot & Württembergische

122 117 Danske Bank A/S, Lietuvos filialas Lithuania 1,579 1,803 FB -126 Danske Bank

123 130 HSBC Bank plc - pobočka Praha (y) Czech Republic 1,553 1,527 FB -15 legal subjects

124 219 Alior Poland 1,545 531 238 -66 Carlo Tassara

125 137 Eurobank EFG a.d. Beograd Serbia 1,532 1,400 328 29 EFG Eurobank

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TOP 200 BANKS IN CEE - LEAGUE TABLE (6/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (x) – as at 30 June 2009 Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

126 145 Societe Generale Expressbank Bulgaria 1,477 1,285 179 12 Société Générale

127 144 Hypo Alpe-Adria Bank a.d. Beograd Serbia 1,451 1,291 216 23 Hypo Alpe-Adria-Bank

128 139 Gospodarczy Bank Wielkopolski Poland 1,432 1,382 75 6 Co-operatives

129 164 Unicredit Bank Srbija a.d. Beograd Serbia 1,416 1,010 166 10 UniCredit

130 128 VOLKSBANK Slovensko a.s. Slovak Republic 1,412 1,530 127 -7 Volksbank International

131 138 Aizkraukles banka Latvia 1,407 1,394 105 -27 private individuals

132 140 Magyar Takarékszövetkezeti Bank Zrt. Hungary 1,401 1,382 48 5 Co-operatives

133 146 Wüstenrot – stavební spořitelna a.s. Czech Republic 1,401 1,273 72 11 Wüstenrot Group

134 126 Rietumu Banka Latvia 1,392 1,585 188 12 private individuals

135 131 Calyon S.A. Czech Branch Czech Republic 1,387 1,520 FB 3 Crédit Agricole

136 125 OTP Banka Slovensko a.s. Slovak Republic 1,386 1,621 92 -25 OTP

137 142 Raiffeisen Banka d.d. Slovenia 1,382 1,340 72 0 Raiffeisen

138 135 J&T BANKA a.s. Czech Republic 1,381 1,436 124 9 legal subjects

139 129 Credit Europe Bank Romania S.A. Romania 1,343 1,527 120 n/a CREDIT EUROPE BANK N.V.

140 111 Rabobank Poland 1,332 1,951 56 4 Rabobank

141 99 ING Bank Zrt. Hungary 1,302 2,300 0 0 ING

142 150 Probanka d.d. Slovenia 1,274 1,192 112 5 Raiffeisen

143 141 Mortgage Bank Latvia 1,254 1,345 111 -77 State

144 149 AB Ūkio bankas Lithuania 1,222 1,223 114 -22 private individuals

145 159 AXA Kereskedelmi Bank Zrt. (x) Hungary 1,193 1,077 40 -2 AXA

146 157 Alpha Bank S.A.-Sofia Branch Bulgaria 1,146 1,096 FB -35 ALPHA BANK AE

147 147 Hypo Alpe-Adria-Bank d.d. Mostar BiH 1,142 1,237 93 -10 Hypo Alpe-Adria-Bank

148 170 AIK banka a.d. Niš Serbia 1,141 942 265 58 ATEBANK

149 152 LBBW Bank CZ a.s. Czech Republic 1,101 1,174 105 -29 LBBW

150 151 Banka Sparkasse d.d. Slovenia 1,093 1,182 96 0 legal subjects

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TOP 200 BANKS IN CEE - LEAGUE TABLE (7/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

151 155 BRE BH Poland 1,087 1,121 103 6 Commerzbank (BRE)

152 160 Citibank Europe Romania 1,074 1,060 FB n/a Citibank

153 156 UniCredit Bank Latvia 1,068 1,120 68 2 UniCredit

154 167 Stopanska banka AD Skopje Macedonia 1,067 966 122 11 NBG

155 173 Factor banka d.d. Slovenia 1,054 877 98 2 Erste Group

156 162 Volksbank D.D. Croatia 1,046 1,044 239 6 Volksbank International

157 158 Corporate Commercial Bank Bulgaria 1,041 1,077 141 31 legal subjects

158 182 Société Générale bank Srbija a.d. Beograd Serbia 1,040 811 135 17 Societe Generale S.A.

159 132 Deutsche Bank Poland 1,036 1,518 159 (c) 28 (c) Deutsche Bank

160 153 Merkantil Bank Zrt. Hungary 1,013 1,158 n/a 10 OTP

161 172 Komercijalna banka AD Skopje Macedonia 987 893 113 17 private individuals

162 169 Cibank Bulgaria 982 943 107 2 KBC

163 201 Bank Pocztowy Poland 953 647 66 2 State

164 175 Central Cooperative Bank Bulgaria 940 850 129 11 legal subjects

165 181 Banka Kombëtare Tregtare (c) Albania 927 827 59 5 Çalik Holding

166 177 Deželna banka Slovenije d.d. (c) Slovenia 911 839 78 0 legal subjects

167 166 Vojvođanska banka a.d. Novi Sad Serbia 909 979 170 11 NBG

168 161 Commerzbank (Budapest) Zrt. Hungary 908 1,057 83 -9 Commerzbank

169 174 Volksbank - Ljudska banka d.d. Slovenia 904 866 69 0 legal subjects

170 179 NLB Tutunska Banka Macedonia 895 829 70 7 KBC (via NLB)

171 165 Hypo Alpe-Adria-Bank d.d. Banja Luka BiH 852 979 72 1 Hypo Alpe-Adria-Bank

172 209 Banca Comercial Carpatica Romania 852 574 66 -5 private individuals

173 n/a FHB Kereskedelmi Bank Zrt. Hungary 850 575 n/a -11 Vienna Capital Partners

174 180 Allianz-Bulgaria Commercial Bank Bulgaria 836 832 74 3 Allianz

175 183 Mkb Unionbank Bulgaria 834 785 68 2 Bayern LB/MKB

Intelace Research

TOP

200 BA

NK

S IN C

EE-15 – 20

10 ED

ITION

19

TOP 200 BANKS IN CEE - LEAGUE TABLE (8/8)

FB – Foreign bank branches, typically do not report equity on non-home markets (c) – Consolidated figure Source: Intelace Research

UNCONSOLIDATED FIGURES

Rank 2009

Rank 2008

Bank Name Country 2009

Assets EURm

2008 Assets EURm

2009 Equity EURm

2009 Net profit

EURm Major Shareholder

176 226 Garanti Bank International Romania 831 457 FB n/a legal subjects

177 163 ING Bank N.V. Slovak Republic 831 1,035 FB 4 ING

178 171 Intesa Sanpaolo Bank Albania (c) Albania 829 865 80 12 Intesa Sanpaolo

179 184 Waldviertler Sparkasse von 1842 AG Czech Republic 817 765 FB 1 Erste Group

180 168 Latvijas Krajbanka Latvia 808 964 71 -3 private individuals

181 197 Fundamenta-Lakáskassza Zrt. (c) Hungary 804 667 22 7 Schwäbisch Hall

182 187 Eximbank S.A. Romania 799 732 239 n/a State

183 136 Citibank Europe plc Slovak Republic 795 1,404 FB 3 Citibank

184 185 Magyar Export-Import Bank Zrt. Hungary 793 755 71 2 State

185 178 OTP Bank România S.A. Romania 789 836 93 n/a OTP

186 191 Poštna banka Slovenije d.d. Slovenia 787 703 39 5 Volksbank International

187 154 Banca Italo-Romena S.p.A. Romania 784 836 FB 38 Veneto Banca

188 199 Alpha Bank Srbija a.d. Serbia 768 658 173 -55 ALPHA BANK A.E.

189 194 Intesa Sanpaolo România Romania 723 701 129 0 Intesa Sanpaolo

190 192 Volksbank a.d. Srbija Serbia 721 702 143 9 Volksbank International

191 176 J&T BANKA a.s. Slovak Republic 687 849 FB 8 legal subjects

192 188 ProCredit Bank a.d. Beograd Serbia 677 731 67 8 ProCredit holding a.g.Frankfurt

193 190 NORVIK BANKA Latvia 664 729 86 6 private individuals

194 203 OTP Lakástakarékpénztár Zrt. Hungary 657 614 n/a n/a OTP

195 228 Poljoprivredna banka Agrobanka a.d. Beograd Serbia 615 447 152 13 State

196 198 Banka Tirana (c) Albania 613 661 79 3 Piraeus Bank

197 206 AB Šiaulių bankas Lithuania 598 594 74 -9 private individuals

198 200 NLB Razvojna banka BiH 594 654 41 4 KBC (via NLB)

199 n/a Intesa Sanpaolo Banka, d.d. BiH 593 517 63 2 Intesa Sanpaolo

200 193 BAWAG d.d. Slovenia 571 701 17 -3 State (via Nova KBM)