BOŚ S.A. GROUP Q3 2012

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1 BOŚ S.A. GROUP Q PU\Warsaw\Bos\C

2 Agenda 1. Key information about BOŚ S.A. Group 2. BOŚ S.A. Group after Q Appendices 2

3 3 Key information about BOŚ S.A. Group BOŚ S.A. Group Bank Ochrony Środowiska S.A. 100 BOS Finance AB 100 Dom Maklerski Banku Ochrony Środowiska S.A. 99,9 Invest Management Banku Ochrony Środowiska S.K.A 100 BOŚ Eko Profit S.A. 0,1 Shareholding pre-offer Shareholding post-offer Bank structure 5,98 14,92 39,10 Bank s headquarters 79,10 4,28 56,62 17 Branches 11 Corporate Centers National Fund for Environmental Protection State Forests Free Float 82 Operating Branches

4 July September June April May March February Important events in Q3 1 CREDIT LINE AGREEMENT with European Investment Bank, which placed at the disposal of BOŚ S.A. funds in the amount of 75 mln EUR. 2 BOND ISSUE in the amount of 185 mln PLN (H series) and subordinated bonds in the amount of 100 mln PLN (G series). 3 CREDIT LINE AGREEMENT with Council of Europe Development Bank (CEB), which placed at the disposal of BOŚ S.A. funds in the amount of 75 mln EUR. 4 PUBLIC OFFERING ordinary bearer shares with a nominal value of 10 PLN each. Subscription covered 6.5 mln shares of P series. The issue price was fixed at 35 PLN. The gross proceeds from the issue amounted to million PLN. On July 2, 2012, the shares were introduced to trading on the main market of the Warsaw Stock Exchange. 5 LONG-TERM FITCH RATING was confirmed at the level of BBB with a stable outlook. 6 IMPLEMENTATION OF CENTAL BANKING SYSTEM completed in June 2012, will enable the optimization of operations related to customer service, will allow for faster introduction of new products and ensure optimization of IT processes. 7 BOND ISSUE in the amount of 60 mln PLN (KT.1.1 series) i 47 mln PLN (KT.1.2 series). 8 BOND ISSUE in the amount of 30 mln PLN (KT.1.3 series), 105 mln PLN (KT.1.4 series), 100 mln PLN (KT.1.5 series), 30 mln PLN (KT.1.6 series), 55 mln PLN (KT.1.7 series) oraz 20 mln PLN (KT.1.8 series) Ś

5 Agenda 1. Key information about BOŚ S.A. Group 2. BOŚ S.A. Group after Q Appendices 5

6 Tysiące Tysiące Tysiące Tysiące Key ratios of BOŚ S.A. Group Net interest margin vs net interest income (m PLN) ROA vs total assets (m PLN) ,0 1,8 1,8 1,7 1, Q1-Q3 11 Q1-Q3 12 net interest income net interest margin ,5 0,2 0,4 0,4 0, Q1-Q3 11 Q1-Q3 12 total assets ROA ROE vs equity (m PLN) 6,3 5,6 5,9 3,0 3, Q1-Q3 11 Q1-Q3 12 equity ROE C/I vs total income (m PLN) ,4 76,6 76,4 73,6 78, Q1-Q3 11 Q1-Q3 12 total income C/I

7 Profit Profit of BOŚ Group (m PLN) +126, ,6-39, , Q1-Q3 11 Q1-Q3 12 Gross profit Net profit Profit of the Bank (m PLN) +277,8 +321,4-13, , Q1-Q3 11 Q1-Q3 12 Gross profit Net profit 7

8 Financial results of BOŚ S.A. Group Item Q1-Q3 11 Q1-Q3 12 Change Interest income 205,1 212,5 3,6 Net fee income 83,1 78,9-5,1 Net trading income 61,9 23,3-62,4 Results on investment securities 5,7 19,0 233,3 Foreign exchange result 19,4 16,4-15,5 Operating profit 378,9 353,3-6,8 General administrative expenses -275,0-272,4-0,9 m PLN Lower administrative expenses as a result of cost discipline and lower expenditure on advertising. Results reduced by a higher level of write-offs due to the deterioration of the economic situation of companies, especially ones in the construction sector. Net impairment loses -36,0-38,8 7,8 Net profit 52,9 32,5-38,6 Assets , ,9 0,0 Loans and advances to customers , ,0-4,1 Amounts owed to customers , ,0 1,4 52,9 Net profit (m PLN, Ytd) ROE 5,9 32,5 3,3 Q1-Q3 11 Q1-Q3 12 Q1-Q3 I-IIIQ1111 Q1-Q3 I-IIIQ1212 8

9 Interest and fee income Net interest income of BOŚ S.A. Group (m PLN) Stable increase in net interest income Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Stable net commission income from banking activities and fall of brokerage fees Commission income of BOŚ Group (m PLN) Q1 10 Q2 10 Q3 10 Q4 10 Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Bank Subordinates 9

10 10 Result on banking activities of BOŚ S.A. Group Result on banking activities Q1-Q Q1-Q3 12 (m PLN) Decrease of the results on banking activities Net interest income +7,4 m YoY Result on investmnent securities +13,3 m YoY Q1-Q3 11 Q1-Q3 12 Net interest income Net fee and commission income Net trading income Others Result on banking activities (m PLN) Net interest income Net fee and commission income Net trading income Others

11 11 Cost of credit Additional construction sector write-offs had an impact on impairment loses BOŚ S.A. Group (m PLN) Q2 12 Q ,39-0,35-0,37-0,41-0,39 net impairment loses risk margin Impairment loses +8 Y/Y. Bank created an additional write-downs on exposures in the construction industry. Risk margin unchanged Y/Y. The Bank maintains a stable margin risk costs. Retail (m PLN) Corporate and public finance (m PLN) Q2 12 Q ,31-0,40-0,65-0,88-0,89 net impairment loses risk margin , Q2 12 Q ,32-0,37-0,41-0,36 net impairment loses risk margin Risk margin: Quarterly net impairment loses for I-III quarter of the year and IV quarter of the previous year / average balance of gross advances to customers during the III Q of the previous year to the III Q of the current year; Yearly net impairment loses for given period/ average balance of gross advances to customers during that period.

12 Balance sheet Item Change m PLN vs vs Total assets + 3 q/q. Loans and advances to customers Investment securities Amounts due to customers +3 q/q. Cash and deposits with the Central Bank Deposits with other banks Other assets TOTAL ASSETS Amounts due to other banks Amounts due to other banks Liabilities under banking securities issued Other liabilities Equity TOTAL LIABILITIES Securities 25 Assets structure Cash and other assets 8 Loans and advances to customers 67 Loans / Deposits 99,5 100,5 96,2-3,3 p.p. -4,3 p.p ,5 100,5 96,2-3,3-4,3 Total assets (m PLN) Other liabilities 3 Equity 9 Amounts due to other banks 3 Liabilities under banking securities issued 15 Liabilities structure Amounts due to customers

13 13 Deposits Division Customer group including Corporate and public finance (4,5 bn PLN) Corporate clients (3,8 bn PLN) Public finance (0,7 bn PLN) BOŚ S.A. Group Amounts due to customers (11,5 bn PLN) Retail clients (4,6 bn PLN) Ecological funds (0,7 bn PLN) Debt securities issued (2,5 bn PLN) Loans from financial institutions and ecolological funds (2,4 bn PLN) Loans and advances from international financial institutions (1,2 bn PLN) Subordinated debt (0,3 bn PLN) Ecological funds resources intended for lending (0,5 bn PLN)

14 14 Lending Loan portfolio of which Division Customer group including (as of ) eco-loan portfolio BOŚ Corporate and public finance Corporate clients (3,3 bn PLN) Public finance (3,1 bn PLN) Medium and large enterprises Small enterprises Local governments Municipal enterprises 1,7 bn PLN (15) 1,6 bn PLN (15) 2,7 bn PLN (25) 0,4 bn PLN (4) 1,9 bn PLN (29 of the division s loan portfolio) Retail Retail clients (4,6 bn PLN) Microenterprises and homeowner associations Retail clients 0,2 bn PLN (2) 4,4 bn PLN (40) 0,2 bn PLN (4 of the division s loan portfolio)

15 Eco-loan Balance of eco-loan (m PLN) +2, Retail loans Corporate loans Public finance Q1-Q Q1-Q Eco-loan sales (m PLN) +12, Retail loans Corporate loans Public finance Q1-Q Q1-Q

16 16 Lending portfolio quality 2011 (m PLN) 1H12 (m PLN) Q1-Q3 12 (m PLN) (239) (265) (280) Gross loans Impairment allowances Net loans Gross loans Impairment allowances Net loans Gross loans Impairment allowances Net loans Retail loans Corporate loans Retail loans Corporate loans Retail loans Corporate loans Public finance 28 Public finance 30 Public finance 30 Ratio of non-performing loans by segments 12,2 12,9 12,4 6,2 8,3 8,1 4,8 5,3 5,5 3,3 3,7 4, Loans to corporates and public finance Retail loans -mortgages Retail loans -other Retail - all

17 Agenda 1. Key information about BOŚ S.A. Group 2. BOŚ S.A. Group after Q Appendices 17

18 18 Financial results of BOŚ S.A. Group m PLN Q1-Q3 12 Q1-Q3 11 Q1-Q3 12/ Q1-Q3 11 Q3 12 Q2 12 Q3 12/ Q2 12 Net interest income 212,5 205,1 3,6 74,0 70,2 5,4 Net fee and commission income 78,9 83,1-5,0 26,8 26,0 3,1 Dividend income 3,7 3,7 0,6 0,3 3,5 x Net trading income 23,3 61,9-62,4 8,4 6,3 34,7 Result on investment securities 19,0 5,7 235,2 5,4 12,7-57,4 Result on hedge accounting -0,5 0,0 x -0,5 0,0 x Foreign exchange result 16,4 19,4-15,3 2,8 10,9-74,2 Other operating income 6,3 7,0-10,1 2,0 0,8 139,5 Other operating expenses -8,8-9,2-4,6-2,9-3,3-12,8 Net impairment loses -38,8-36,0 7,9-13,6-20,7-34,4 General administrative expenses -272,4-275,0-1,0-90,9-94,0-3,2 Profit before tax 39,7 65,8-39,7 11,8 12,4-4,9 Income tax charge -7,1-12,9-44,6-3,7-0,5 626,8 Net profit 32,5 52,9-38,5 8,1 11,9-31,9

19 19 Interim consolidated statement of financial position m PLN = =100 Cash and deposits with the Central Bank 532,6 499,6 469,1 6,6 13,5 Deposits with other banks, loans and advances to other banks 141,8 142,9 94,6-0,7 49,9 Securities held-for-trading 50,8 83,0 6,6-38,7 671,0 Derivative financial instruments 54,7 24,6 30,5 122,1 79,4 Derivative hedging instruments 32,1 26,5 26,2 21,5 22,9 Loans and advances to customers , , ,5-1,1-2,9 Investment securities 4 127, , ,7 13,1 27,0 - available for sale 3 363, , ,1 16,1 29,3 - held to maturity 763,2 752,8 649,7 1,4 17,5 Investment in assosiate 22,8 22,8 22,8 0,0 0,0 Intangible assets 160,1 126,6 119,9 26,5 33,6 Property, plant and equipment 117,6 121,6 128,6-3,3-8,6 Income tax assets 25,4 28,2 30,3-10,0-16,1 Other assets 128,7 122,0 105,3 5,5 22,2 TOTAL ASSETS , , ,1 2,7 5,0 Amounts due to Central Bank 0,1 0,1 0,1 0,8 3,3 Amounts due to other banks 478,2 789,6 710,3-39,4-32,7 Derivative financial instruments 39,3 24,3 20,5 61,4 91,5 Derivative hedging instruments 6,0 0,0 0,0 x x Amounts due to customers , , ,9 3,4 0,5 Liabilities under banking securities issued 2 490, , ,9 13,9 26,7 Subordinated debt 329,0 326,2 222,8 0,9 47,7 Provisions 19,6 19,8 19,7-1,0-0,7 Income tax liabilities 0,1 0,1 10,6 62,2-98,6 Other liabilities 154,8 138,6 114,7 11,7 35,0 Total equity 1 437, , ,7 1,0 23,8 TOTAL EQUITY AND LIABILITIES , , ,1 2,7 5,0

20 Disclaimer Neither this document nor any information contained herein may be distributed in the United States, Canada, Japan or Australia. This document is not an offer for the sale of any securities in the United States. The securities of Bank Ochrony Środowiska S.A. ( Company ) have not been and will not be registered under the United States Securities Act of 1933, as amended (the Securities Act ) or any state regulations and may not be offered or sold in the United States or to US Persons (as defined in Regulation S issued under the Securities Act of 1933) absent registration or an exemption from registration under the Securities Act, or in a transaction not subject to the registration requirements of the Securities Act or any state regulations. Neither this document nor any copy of it may be transferred to or transmitted in the United States, Canada, Japan or Australia Canada or distributed or redistributed in Japan, United States or Australia or to any resident thereof. This document does not constitute or form part of any offer to sell or issue, or an invitation to make an offer to purchase any securities, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on or referred to in connection with, any contract. This document is directed only at persons who are (a) outside the United Kingdom or (b) persons who have professional experience in matters relating to investments falling within the definition of investment professionals in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the Order ) or (c) high net worth entities, and other persons to whom it may lawfully be communicated, falling within Article 49(2)(a) to (d) of the Order (all such persons together being referred to as Relevant Persons ). The securities referred to in this document shall be made available only to the indicated persons and any invitation, offer or obligation to subscribe for, purchase or otherwise acquire such securities mill only be made available to or placed by the relevant persons. None other than a relevant person may rely on or refer to this document or any part hereof. This document is merely a promotional instrument and should not, in any circumstances, be relied upon in making decisions as to investments in the Company securities. This document is not to be distributed, directly or indirectly, in the United States of America or in other jurisdictions where public distribution of the information contained herein could be subject to restrictions or be prohibited by law. This document does not constitute an offer to sell or an invitation to subscribe for or acquire any securities. This document may include forward-looking statements which means any statements using such words as will, would, should, expect, intend, estimate, anticipate, project, future, potential, believe, seek, plan, aim, objective, goal, strategy, target, continue and similar expressions or their negatives. These forward-looking statements are subject to known and unknown risks, uncertainties and assumptions and other factors that could cause the Company's actual results of operations, performance or growth, to differ materially from those expressed in, or suggested by, these forward-looking statements. The Company has no obligation to update publicly or revise publicly any forward-looking statements contained herein, whether as a result of new information, future events, changed circumstances or any other reason after the date of this document. 20

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