100 90 80 BRE Bank Group Total Assets PLN B 82.6 81.0 90.0 98.9 70 60 55.9 50 40 30 20 10 0 0.0 0.0 0.3 0.5 0.5 0.7 0.9 1.4 2.6 4.1 6.2 14.4 16.2 11.0 30.5 30.5 32.7 27.4 24.8 42.3 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 GDP, consumption and investment dynamics 8 20 7 6 15 5 10 4 3 5 2 1 0 3.6 6.2 6.8 5.1 1.6 3.9 4.3 2.8 2005 2006 2007 2008 2012F GDP (% YoY LHS) Consumption (% YoY LHS) Investment (% YoY RHS) 0-5
6 CPI, NBP reference rate, WIBOR 3M 5 4 3 2 1 0 30 Households loans and deposits 25 20 15 10 5 0 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 (01.01.2010=100) 140 130 120 110 100 90 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)
30 25 20 15 10 5 0-5 -10-15 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) 117 114 111 108 105 102 99 96 93 90 87 84 81 78 75 72 69 66 BRE Bank stock performance (31.12.2010 = 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
Corporate Banking Customers 12,836 898 13,271 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 7.3 8.7 10.0
Custromers using Cash Pooling and Shared Balances services 645 589 496 BRE Leasing Contracts by value 1,872 2,167 2,551 BRE Bank in Non-Treasury Debt Market at 31.12.2011, 22,248 24,185 15,684 3,749 4,585 3,446 Short-term debt Corporate debt Mid-term bank debt Market BRE Bank
BBH loan portfolio (book value) 4,123 3,790 4,183 Customers 3,262 6 570 390 thou. 3,656 5 592 478 +% 3,893 4 610 527 2,296 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
2,124 483 342 1,299 Investment Funds 3,187 968 534 1,685 2,523 894 369 1,260 mbank MultiBank PB Loans 38,102 33,143 701 28,417 653 573 20,308 17,397 15 023 1,662 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
1,205 Gross written premium 629 464 69 141 90 105 108 130 Bancassurance Internet platform Cooperation with BRE Leasing Result before tax by business lines of BRE Bank Group 1,467.1 Corporates and Financial Markets 503.6 973.9 872.5 264.8 179.1 229.3 238.8 455.6 8.5-10.4 408.4 Corporates &Institutions Trading & Investment Retail Banking Others and exclusions Group total 1,811.0 2,148.6 BRE Bank Group's income 745.9 840.0 410.7 424.1 8.2 15.1 45.1 12.0 103.7 123.7 Net interest income Net commision income Dividend income Net trading income Gains less losses from investment securities Net other operating result
Interest income structure 3,871.2 3,421.7 12.1 149.5 41.7 14.1 130.7 799.1 85.0 Other 768.6 Debt securities Cash and short term investments 2,449.8 2,842.3 Investment securities Loans and advances 1,178.7 41.3 78.6 104.2 113.7 147.7 150.3 Fee & commission income structure 1,279.2 39.7 89.1 111.5 114.5 175.1 167.4 Commissions due to guarantees granted and trade finance commissions Commissions from money transfer Commissions from bank accounts Fees from brokerage activity Other 221.3 230.1 Commisions from insurance activity Credit related fees and commissions 321.6 351.8 Commissions from credit cards
1,097.1 Net impairment losses on loans and advances 440.6 634.8 656.5 339.6 295.1 373.5 158.0 215.5 Corporates & Financial Markets Retail Banking Overhead costs & Depreciation 1,617.3 1,722.9 30.5 236.9 26.4 251.4 58.2 29.4 Depreciation 579.1 573.7 Other costs Fees and taxes Material costs 744.4 810.2 Staff-related expenses
Pre-tax results of consolidated subsidiaries 53.5 49.1 44.1 33.9 36.1 37.1 37.8 33.2 27.6 10.7 18.7 19.8 14.4 14.8 12.0 0.5 12.5 11.0 10.7 10.5 7.6 7.9 4.4 3.6 2.6 1.4 0.7-0.1-0.1-2.1-3.3-10.1 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 54,434 817 1,328 23,434 Loans and advances to customers (gross) 61,824 668 1,923 25,574 70,240 483 3,178 27 890 28,855 33,659 38 689 31.12.2009 31.12.2010 31.12.2011 Individual customers Corporate customers Public sector Others
Amounts due to customers 47,151 42,791 929 246 17,480 21,154 54,244 528 27,015 25,065 25,068 26,701 31.12.2009 31.12.2010 31.12.2011 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 2011 4,729 1,779 Support 1,697 1,794 133 147 917 1 009 Retail Banking Trading and Investments Corporates and Institutions
BRE Bank Foundation expenses 2005-2011 PLN thou. 3,211 2,985 2,889 2,895 2,316 1,389 1,357 2005 2006 2007 2008