BRE Bank Group Total Assets. GDP, consumption and investment dynamics
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1 BRE Bank Group Total Assets PLN B GDP, consumption and investment dynamics F GDP (% YoY LHS) Consumption (% YoY LHS) Investment (% YoY RHS) 0-5
2 6 CPI, NBP reference rate, WIBOR 3M Households loans and deposits Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Dec-08 Feb-09 Apr-09 Jun-09 Aug-09 Oct-09 Dec-09 Feb-10 Apr-10 Jun-10 Aug-10 Oct-10 Dec-10 Feb-11 Apr-11 Jun-11 Aug-11 Oct-11 Dec-11 CPI (% YoY) NBP reference rate (%) WIBOR 3M (%) 150 PLN vs. main currencies ( =100) Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 EURPLN USDPLN CHFPLN Household deposits (% YoY) Household loans (% YoY) Mortgage loans (% YoY)
3 Corporate loans and deposits Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Corporate deposits (% YoY) Corporate loans (% YoY) Corporate investment loans (% YoY) BRE Bank stock performance ( = 100) Dec-10 Jan-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Jan-12 Feb-12 BRE Bank WIG WIG Banki
4 Corporate Banking Customers 12, ,271 1,101 13,977 1,185 3,810 3,993 4,246 8,128 8,177 8,546 K3 K2 K1 Direct Debit thou. transactions 2,412 2,843 3,532 Mass payment identifications M transactions
5 Custromers using Cash Pooling and Shared Balances services BRE Leasing Contracts by value 1,872 2,167 2,551 BRE Bank in Non-Treasury Debt Market at , 22,248 24,185 15,684 3,749 4,585 3,446 Short-term debt Corporate debt Mid-term bank debt Market BRE Bank
6 BBH loan portfolio (book value) 4,123 3,790 4,183 Customers 3, thou. 3, % 3, ,296 2,581 2,752 mbank - PL mbank- Cz/SK MultiBank PB Deposits 24,713 24,891 26,356 1,521 2,075 1,785 5,959 5,249 5,093 4,680 3,672 3,662 12,709 14,341 15,214 mbank mbank CZ/SK MultiBank PB
7 2, ,299 Investment Funds 3, ,685 2, ,260 mbank MultiBank PB Loans 38,102 33, , ,308 17, ,662 1,413 1,063 11,758 13,680 15,431 mbank mbank Cz/SK MultiBank PB 28,417 5,384 Mortgage and non-mortgage loans 33,143 6,339 38,102 6,834 23,033 26,804 31,268 mortgage non-mortgage
8 1,205 Gross written premium Bancassurance Internet platform Cooperation with BRE Leasing Result before tax by business lines of BRE Bank Group 1,467.1 Corporates and Financial Markets Corporates &Institutions Trading & Investment Retail Banking Others and exclusions Group total 1, ,148.6 BRE Bank Group's income Net interest income Net commision income Dividend income Net trading income Gains less losses from investment securities Net other operating result
9 Interest income structure 3, , Other Debt securities Cash and short term investments 2, ,842.3 Investment securities Loans and advances 1, Fee & commission income structure 1, Commissions due to guarantees granted and trade finance commissions Commissions from money transfer Commissions from bank accounts Fees from brokerage activity Other Commisions from insurance activity Credit related fees and commissions Commissions from credit cards
10 1,097.1 Net impairment losses on loans and advances Corporates & Financial Markets Retail Banking Overhead costs & Depreciation 1, , Depreciation Other costs Fees and taxes Material costs Staff-related expenses
11 Pre-tax results of consolidated subsidiaries BRE Ubezpieczenia BRE Leasing Intermarket DI BRE BRE Bank Hipoteczny BRE Faktoring BRE Gold FIZ BRE Holding BRE.locum BRE Wealth Management Aspiro Transfinance Magyar Factor CERI BRE Finance France Garbary 54, ,328 23,434 Loans and advances to customers (gross) 61, ,923 25,574 70, , ,855 33, Individual customers Corporate customers Public sector Others
12 Amounts due to customers 47,151 42, ,480 21,154 54, ,015 25,065 25,068 26, Individual customers Corporate customers Public sector BRE Bank Hipoteczny; 126 Dom Inwestycyjny BRE Banku; 148 BRE Leasing; 325 Headcount in BRE Bank Group in FTE at the end of 2011 BRE Ubezpieczenia; 112 Other; 294 CERI; 561 BRE Bank; 4,729 4,416 1,669 Headcount in BRE Bank by business lines in FTE at the end of ,729 1,779 Support 1,697 1, Retail Banking Trading and Investments Corporates and Institutions
13 BRE Bank Foundation expenses PLN thou. 3,211 2,985 2,889 2,895 2,316 1,389 1,
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