J&T BANKA, a. s. Public Information as at 31 st December 2013. Part I.

J&T BANKA, a. s. Public Information as at 31 st December 2013 Part I.

CONTENT CONTENT 1. THE BANK 3 1.1 PUBLIC INFORMATION 3 1.2 ORGANISATIONAL STRUCTURE 4 1.3 STRUCTURE OF THE CONSOLIDATED GROUP 2. INFORMATION ABOUT SHAREHOLDERS OR MEMBERS OF THE OBLIGED PARTY 6 3. STRUCTURE OF THE CONSOLIDATED GROUP 12 4. ACTIVITIES OF THE BANK 1 4.1 SUMMARY OF ACTIVITIES AS PER LICENSES 1 4.2 ACTIVITIES UNDERTAKEN BY THE BANK 16 4.3 SUMMARY OF ACTIVITIES, WHICH PERFORMANCE OR PROVIDING WAS RESTRICTED OR EXCLUDED BY THE CNB 16. FINANCIAL STATEMENTS AND 17 CONSOLIDATED GROUP WHERE THE BANK IS THE CONTROLLING ENTITY.1 BALANCE SHEET 17.2 PROFIT & LOSS STATEMENT 18.3 FINANCIAL ASSETS SORTED BY IMPAIREMENT, SECTORS AND CLASSIFICATION 19.4 DERIVATIVES 20. RATIOS AND OTHER INDICATORS 21 21 J&T BANKA.6 BALANCE SHEET 23.7 PROFIT & LOSS STATEMENT 27.8. LOANS AND ADVANCE AND THEIR IMPAIREMENT 29.9. FINANCIAL ASSETS SORTED BY IMPAIREMENT, SECTORS AND CLASSIFICATION 32.10. INFORMATION REGARDING DEBT RESTRUCTURING 33.11 DERIVATIVES 33.12 RATIOS AND OTHER INDICATORS 34.13 SUMMARY INFORMATION 37 6. ANNUAL REPORT 43 7. CORRESPONDENT BANKS 44 CONTACTS 4

THE BANK 1 1.1. Public Information Business name: J&T BANKA, a. s. Legal form: Joint-stock company Registered address: Prague 8, Pobřežní 297/14 Company number: 4711378 Entered in the Commercial Register kept by Prague City Court, section b, Insert 1731. Date entered in the commercial Register: 13 th October 1992 Date of last change to entry in the commercial Register: 10 th December 2013 (share capital increase) Registered capital: CZK 9,8,127,000. Paid-up capital: CZK 9,8,127,000. The bank s registered capital comprises of 9,7,126 (in words: nine million five hundred fifty-eight thousand one hundred and twenty-six) ordinary shares with a nominal value of CZK 1,000 (in words: one thousand Czech crowns) and 700,000 (in words: seven hundred thousand) ordinary shares with a nominal value of CZK 1.43 (one Czech crown and forty-three hallers). Number of organizational units: 1 Branch of a foreign bank was established on 14 th November 200 based on decision of J&T BANKA, a. s. J&T BANKA, a. s., pobočka zahraničnej banky Registered address: Dvořákovo nábrežie 8, Bratislava 811 02 Legal form: branch of a foreign legal entity Company registration number: 3 964 693 Date entered in the commercial Register: 23 rd November 200 PUBLIC INFORMATION AS AT 31 ST December 2013 3

THE BANK 1 1.2. Organisational structure Valid since 31 th December 2013 Average number of bank employees as at 31 st December 2013: 304 (as per record) Average number of branch employees as at 31 st December 2013: 12 (as per record) PUBLIC INFORMATION AS AT 30 ST SEPTEMBER 2013 4

INFORMATION ABOUT SHAREHOLDERS OR MEMBERS OF THE OBLIGED PARTY 2 1.3 Structure of the Consolidated Group Members of the Board of Directors PATRIK TKÁČ Position: chairman of the board of directors Since: 3 rd June 1998 Professional experience: Patrik Tkáč graduated from the Faculty of economics and public administration of the University of Economics in Bratislava. In 1994 he obtained a broker's licence from the ministry of finance of the Slovak Republic and in the same year he became a co-founder of J&T securities, s. r. o., a company trading in securities. He is a major leader of the financial group - until 1997 he was a member of the board of directors of J&T FINANCE GROUP, a. s. since 1998 he has been chairman of the board of directors of J&T BANKA, a. s. Company Company no. Registered address Position J&T FINANCE, a.s. 279202 Praha 8, Pobřežní 297/14, PSČ 186 00 Board of Directors - Member J&T FINANCE GROUP, a.s. 31391087 Bratislava, Dvořákovo nábrežie 8, PSČ: 811 02 Vice -Chairman Nadační fond J&T 2716224 Praha 8, Pobřežní 297/14, PSČ 186 00 Management Board - Member ATLANTIK finanční trhy, a.s. 26218062 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Chairman J&T IB and Capital Markets, a.s. 2476629 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member J&T Bank ZAO 102773912161 Moskva, Kadševskaya, Russian federatopm Supervisory Board - Chairman ŠTĚPÁN AŠER Position: member of the board of directors Since: 30 th May 2006 Professional experience: He graduated from the School of Business and Public Management at George Washington University in Washington, specialized in finance and financial markets. Subsequently, he earned MBA at Rochester Institute of technology. He has been involved in finance in the Czech Republic since 1997, first as an analyst, and later as a portfolio manager at Credit Suisse Asset Management. Between 1999 and 2002, he was a member of the board of directors of Commerz Asset Management responsible for portfolio management and sales. In Česká Spořitelna, he was briefly specialized in asset management for institutional clients. He has been with J&T BANKA since 2003 and is in charge of the management and trading section. Company Company no. Registered address Position J&T IB and Capital Markets, a.s. 2476629 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member J&T INVESTIČNÍ SPOLEČNOST, a.s. 476 72 684 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member ATLANTIK finanční trhy, a.s. 26218062 Praha 10, Vinohradská 230, PSČ: 100 00 Board of Directors - Member J&T Bank ZAO 102773912161 Moskva, Kadševskaya, Russian federatopm Supervisory Board - Member IGOR KOVÁČ Position: member of the board of directors Since: 16 th February 2011 Professional experience: He graduated from the University of Economics in Bratislava, completed his studies in 1998 at the Faculty of National Economy. Since beginning of his professional career, he has been working in the field of finance. In 2000 he focused on banking when he joined Hypovereinsbank Slovakia as a Senior Controller. From 2002 till 2008, he worked at Volksbank Slovakia as Finance Department Director. Since 2008 he has been with J&T BANKA, a. s. as Head of Finance. Company Company no. Registered address Position J&T IB and Capital Markets, a.s. 2476629 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member J&T INVESTIČNÍ SPOLEČNOST, a.s. 476 72 684 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member J&T SERVICES ČR, a.s. 2816830 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member J&T Bank ZAO 102773912161 Moskva, Kadševskaya, Russian federatopm Supervisory Board - Member ANDREJ ZAŤKO Title: Member of the Board of Directors Office held since: 4 th April 2011 Professional experience: He graduated from the Faculty of Business Informatics at the Bratislava School of Economics. He is a member of J&T Banka s Board of Directors and Private Banking Director. He is also a member of the management of the Bank s Slovak branch office, where he is a Holder of Procuration. He joined J&T Banka in 1997 and held various positions since then; since 2003 he has focused on Private Banking. In the past he has been a member of the management of a company called Asset Management. He primarily specializes in asset structuring and asset management. PUBLIC INFORMATION AS AT 31 ST December 2013

INFORMATION ABOUT SHAREHOLDERS OR MEMBERS OF THE OBLIGED PARTY 2 Members of the Supervisory Board JOZEF TKÁČ Position: chairman of the supervisory board Since: 3 rd June 1998 Professional experience: After graduating from the University of Economics Jozef Tkáč started working in the head office of Štátná banka Československá (state bank of Czechoslovakia) in Bratislava. In 1989 he was entrusted by the government of Slovakia and by the management of Štátná banka Československá with setting up of an investment bank in Slovakia. In 1990 he became managing director of the head office of Investiční banka s. p. ú. Praha in Slovakia and following the privatization and split of Investiční banka Praha he became a president of Investičná a rozvojová banka a. s. in Bratislava. As a result of a change in the ownership structure and completion of the privatization of IRB, a.s., he started working in J&T as a president of the group and chairman of the board of directors J&T FINANCE GROUP, a.s. Company Company no. Registered address Position J&T FINANCE GROUP, a. s. 31391087 Bratislava, Dvořákovo nábrežie 8, SR Board of Directors - Chairman TECHNO PLUS, a.s. 3138419 Bratislava, Dvořákovo nábrežie 8, SR Board of Directors - Member Geodezie Brno, a. s. 4634906 Brno, Dvořákova 14, ČR Supervisory Board - Chairman J&T Investment Pool - I- CZK, a. s. 26714493 Praha 8, Pobřežní 297/14, ČR Board of Directors - Chairman Equity Holding, a. s. 100000 Praha 8, Pobřežní 14, ČR Board of Directors - Chairman J&T Investment Pool - I- SKK, a. s. 3888016 Bratislava, Dvořákovo nábrežie 8, SR Board of Directors - Vice Chairman J&T FINANCE, a. s. 279202 Praha 8, Pobřežní 297/14, ČR Board of Directors - Chairman ATLANTIK finanční trhy, a.s. 26218062 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Chairman J&T Services, a.s. 2816830 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Chairman IVAN JAKABOVIČ Position: member of the supervisory board Since: 3 rd June 1998 Professional experience: Ivan Jakabovič graduated from the Faculty of Economic Informatics of the University of Economics in Bratislava and obtained broker's licence from the Slovak ministry of finance. In 1994 he became a co-founder of J&T Securities, s. r. o., a company trading in securities. In 1999 he became vice-chairman of the board of directors of J&T FINANCE GROUP, a. s. Company Company no. Registered address Position KOLIBA REAL, s. r. o. 37274 Bratislava, Dvořákovo nábrežie 8, SR Executive J&T FINANCE GROUP, a. s. 31391087 Bratislava, Dvořákovo nábrežie 8, SR Board of Directors - Chairman TECHNO PLUS, a.s. 3138419 Bratislava, Dvořákovo nábrežie 8, SR Board of Directors - Member J&T Investment Pool - I- CZK, a. s. 26714493 Praha 8, Pobřežní 297/14, ČR Board of Directors - Chairman Equity Holding, a. s. 100000 Praha 8, Pobřežní 14, ČR Board of Directors - Chairman J&T Investment Pool - I- SKK, a. s. 3888016 Bratislava, Dvořákovo nábrežie 8, SR Board of Directors - Vice Chairman J&T FINANCE, a. s. 279202 Praha 8, Pobřežní 297/14, ČR Supervisory Board - Member První zpravodajská, a.s. 27204090 Praha 2, Blanická 1008/28 Supervisory Board - Chairman Nadační fond J&T 2716224 Praha 8, Pobřežní 297/14, PSČ 186 00 Managing Board - member Energetický a průmyslový holding, a.s. 283620 Brno, Příkop 843/4, PSČ 60200 Supervisory Board - Member EP Industry, a.s. 29294746 Brno, Příkop 843/4, PSČ 60200 Supervisory Board - Member DUŠAN PALCR Position: member of the board of directors Since: 11 th August 2004 Professional experience: Dušan Palcr graduated from the Faculty of Business and Economics of the Mendel University of Agriculture and Forestry in Brno. Between 199 and 1998 he worked as a bank supervisor of the CNB (Czech national bank). Since 1998 he has been working in the J&T Group. He is a managing director and member of the board of directors of J&T BANKA, a. s. Company Company no. Registered address Position AC Sparta Praha fotbal, a.s. 4636801 Praha 7, Tř. Milady Horákové 98, ČR Supervisory Board - Chairman AERO GROUP, a. s. 2770797 Praha 8, Pobřežní 14, ČR Supervisory Board - Member MERIDIANSPA ŠTVANICE, a.s. 29 21 436 Praha 8, Pobřežní 14, ČR Board of Directors - Chairman Environmental Services, a.s. 284 27 980 Praha 8, Pobřežní 14, ČR Board of Directors - Member J&T FINANCE GROUP, a. s 31391087 Bratislava, Lamačská cesta 3, SR Board of Directors - Member První zpravodajská, a.s. 272 04 090 Praha 8, Pobřežní 14, ČR Board of Directors - Chairman J&T Sport Team ČR, s.r.o. 242 1 163 Praha 8, Pobřežní 14, ČR Executive PUBLIC INFORMATION AS AT 31 ST December 2013 6

INFORMATION ABOUT SHAREHOLDERS OR MEMBERS OF THE OBLIGED PARTY 2 JOZEF ŠEPETKA Position: member of the supervisory board Since: 9 th September 2008 Professional experience: He graduated from the Charles University s Faculty of Law. He has been active in state administration since 1990, including a position at the ministry of foreign affairs of the Czech Republic starting in 1992. He started as a consultant at J&T BANK in 1998. JUDR. ING. JOZEF SPIŠIAK Position: member of the supervisory board Since: 9 th December 2013 Professional experience: He graduated from the Faculty of Economics of the Military Academy and the Faculty of Law of Comenius University in Bratislava. From the very beginning of his professional career he has been active in the finance industry; he worked for CNB until 1998. Until 2012, he was a Member of the Board of J&T BANK, a.s. ING. JOZEF ŠIMOVČÍK Position: member of the supervisory board Since: 9 th December 2013 Professional experience: He graduated from the University of Economics in Bratislava. He has been with J&T BANKA, a.s. since 2010. Currently, he works as a Managing Director of Operations Division, J&T BANKA, a.s., pobočka zahraničnej banky in Bratislava.. PUBLIC INFORMATION AS AT 31 ST December 2013 7

INFORMATION ABOUT SHAREHOLDERS OR MEMBER OF THE OBLIGED PARTY 2 Other Senior Employees ANDREJ ZAŤKO, Director of the J&T Banka, a. s., Branch Bratislava Since: 1 st November 2012 Education: Master degree, in finance since 2000 ANNA MACALÁKOVÁ, Chief Clerk and Head of Komfort and Magnus, Branch Bratislava Since: 22 nd November 2012 (Chief Clerk), 10 th November 2010 (Head of Premium banking) Education: Master degree, in finance since 2006 IGOR KOVÁČ, Director of Risk Management Since: 1 st July 2008 Education: Master degree, employed in the business since 1998 VLASTIMIL NEŠETŘIL, Chief Clerk of J&T Banka, a.s., Director of Process and Project Management Department Since: 1 st January 2008 (Director of Process and Project Management Department), 21 st December 2012 (Chief Clerk) Education: Master degree, in finance since 2003 MILOSLAV MASTNÝ, Director of Legal Division Since: 9 th July 2007 2012 Education: Master degree, in the bussiness since 199 ALENA TKÁČOVÁ, Director of Business Division and Head of Private Banking Since: 1 st November 2012 Education: Master degree, in the business since 1998 GABRIELA LACHOUTOVÁ, Director of Family Office Division Since: 1 st December 2012 Education: Master degree, in the business since 1999 PETR MÁLEK, Head of Marketing Since: 17 th July 2000 Education: Secondary school, in the business since 1996 ALENA KŘENKOVÁ, Head of Internal Audit a Controls Department Since: 1 st November 2003 Education: Master degree, finance and accounting faculty, CIa (Certificated Internal auditor), in finance since 2000. ANDREJ ŠNAJDER, Director of Compliance Since: 9 th July 2007 Education: Master degree, employed in the business since 2006 TOMÁŠ KLIMÍČEK, Director of the Credit Risk Department Since: 1 st October 2012 Education: Master degree, in the business since 2011 ROMAN HAJDA, Client Portfolio Administration Department Director Since: 1 st September 2008 Education: VUT Brno, employed in the business since 2000 MÁRIA KUČEROVÁ, Director of Economic Division and Head of Treasury Since: 1 st June 2011 (Head of Treasury), 1 st January 2013 (Director of Economic Division) Education: Master degree, in finance since 2010 PUBLIC INFORMATION AS AT 31 ST December 2013 8

INFORMATION ABOUT SHAREHOLDERS OR MEMBER OF THE OBLIGED PARTY 2 GABRIELA STEJSKALOVÁ, Head of Financial Market -Back Office Since: 1 st January 200 Education: Secondary school, in finance since 199 PETR SUK, Director of the Active deals and management of receivables Since: 3 rd April 2006 education: Master degree, in the business since 1979 RADOSLAV MÍŠEK, Head of Risk management department Since: 1st March 2011 education: Master degree, in the business since 2006 JITKA ŠUSTOVÁ, Head of Economy department Since: 1 st January 2007 Education: Secondary school, in finance since 1998. MILAN SLEŽKA, Head of International banking and banking operations Since: 1 st March 2008 Education: Master degree, in finance since 1993 JAKUB ŠVÁB, Head of Legal department Since: 1 st June 200 Education: Law faculty, Charles university, foundation of German Civil law, Universität Passau, in business since 1 September 1997 Company Company no Registered address Position Nadační fond J&T 2716224 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member MILAN VANÍČEK, Head of Research department Since: 1 st March 2010 Education: Master degree, in the business from 2004 Company Company no Registered address Position ATLANTIK finanční trhy, a.s. 26218062 Praha 8, Pobřežní 297/14, PSČ 186 00 Board of Director - Member PETR VODIČKA, Head of Financial markets department Since: 6 th March 2003 Education: Czech technical university (ČVUT), in finance since 1994 DANIEL DRAHOTSKÝ, MBA, Director of financial markets Since: 1 st June 2010 Education: Master degree, in the business since 1999 Company Company no Registered address Position ATLANTIK finanční trhy, a.s. 26218062 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member MICHAL SLOBODNÍK, Head of Security department Since: 1 st March 2012 Education: Secondary school, in the business since 2000 MILOSLAV MARTINEK, Head of Information Systems department Since: 1 st October 2010 education: Master degree, in the business since 2007 Company Company no Registered address Position ATLANTIK finanční trhy, a.s. 26218062 Praha 8, Pobřežní 297/14, PSČ 186 00 Supervisory Board - Member PUBLIC INFORMATION AS AT 31 ST December 2013 9

INFORMATION ABOUT SHAREHOLDERS OR MEMBER OF THE OBLIGED PARTY 2 PAVEL NĚMEC, Head of Retail Banking Since: 1 st May 2010 Education: Master degree, in the business since 2002 MICHAL KROTKÝ, Head of Business Information Systems Since: 1 st December 2010 education: bachelor degree, in the business since 2000 MAREK HORECKÝ, Head of Financial Analyses department Since: 1 st October 2011 Education: Master degree, in the business since 1996 LIBOR TOMEŠ, Head of Process and Project Management Since: 1 st April 2011 Education: master degree, in the business since 2004 PATRIK CHOVANEC, MBA, Head of the branch in Brno Since: 1 st January 2011 Education: Master degree, Nottingham Trent Universit, in the sector since 1997 DAVID LERCH, Head of back office financial markets Since: 1 st July 2011 Education: Secondary school, in the business since 1994 IVO ENENKL, Head of the branch in Ostrava Since: 1 st September 2011 education: Master degree, in the business since 2011 Supplementary information regarding members of the supervisory board, board of directors and other members of the bank management (in 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Total amount of loans granted by the bank 40 831 126 117 107 93 112 749 133 96 Total amount of charge cards provided by the bank 7 912 1 437 1 64 23 787 4 939 Total amount of unused charge card limits 23 78 29 178 44 414 22 334 22 937 Total amount of guarantees issued by the bank 3 498 3 321 3 411 3 423 3 288 PUBLIC INFORMATION AS AT 31 ST December 2013 10

INFORMATION ABOUT SHAREHOLDERS OR MEMBER OF THE OBLIGED PARTY 2 Ownership Structure Legal Entities DIRECT STAKES J&T FINANCE, a. s. Joint-stock company Pobřežní 14, Prague 8, 186 00, Czech Republic Stake: 100% Note (since 1 st January 2014) J&T FINANCE GROUP SE European Company (Societas Europaea) Pobřežní 297/14, Praha 8, 186 00, Czech Republic Stake: 100% II. INDIRECT STAKES J&T FINANCE GROUP, a. s. Joint-stock company Dvořákovo nábrežie 8, Bratislava, 811 02, Slovak Republic Stake: 100% TECHNO PLUS, a.s. Joint-stock company Lamačská cesta 3, Bratislava, 841 04, Slovak Republic Stake: 100% Note: As a result of the cross-border merger project, change in the legal form and merger were effected on January 1, 2014 in which the successor company J&T FINANCE GROUP SE (the original business name: J&T FINANCE, a.s.) obtained the equity of the acquired companies: J&T FINANCE GROUP, a.s., company governed by the law of the Slovak Republic, Identification Number: 31391087, with registered office at Dvořákovo nábrežie 8, 811 02 Bratislava, registered in the Commercial Register by the District Court of Bratislava I, Section Sa, File No. 802/B, and TECHNO PLUS, a.s., company governed by the law of the Slovak Republic, Identification Number: 3138419, with registered office at Lamačská cesta 3, 841 04 Bratislava, registered in the Commercial Register by the District Court of Bratislava I, Section Sa, File No. 461/B Ownership Structure Individuals JOZEF TKÁČ Stake: 0% IVAN JAKABOVIČ Stake: 0% PUBLIC INFORMATION AS AT 31 ST December 2013 11

CONSOLIDATED GROUP STRUCTURE DETAILS 3 (A) Information about entities controlling the bank or enjoying the position of its majority partner/shareholder MAJORITY SHAREHOLDER Business name: J&T FINANCE, a. s. Legal form: Joint-stock company Address: Pobřežní 297/14, Prague 8, 186 00, Czech Republic Direct interest in registered share capital: 100% Direct share in the bank's voting rights: 100% Note (since 1 st January 2014) Company name: J&T FINANCE GROUP SE Legal form: European Company (Societas Europaea) Registered address: Pobřežní 297/14, Praha 8, 186 00, Czech Republic Direct share in registered share capital: 100 % Direct share in bank's voting rights: 100 % As a result of the cross-border merger project, change in the legal form and merger were effected on January 1, 2014 in which the successor company J&T FINANCE GROUP SE (the original business name: J&T FINANCE, a.s.) obtained the equity of the acquired companies: J&T FINANCE GROUP, a.s., company governed by the law of the Slovak Republic, Identification Number: 31391087, with registered office at Dvořákovo nábrežie 8, 811 02 Bratislava, registered in the Commercial Register by the District Court of Bratislava I, Section Sa, File No. 802/B, and TECHNO PLUS, a.s., company governed by the law of the Slovak Republic, Identification Number: 3138419, with registered office at Lamačská cesta 3, 841 04 Bratislava, registered in the Commercial Register by the District Court of Bratislava I, Section Sa, File No. 461/B CONTROLLING PERSON Business name: J&T FINANCE GROUP, a. s. Legal form: Joint-stock company Address: Lamačská cesta 3, Bratislava, 841 04, Slovak Republic Indirect interest in registered share capital: 100% Indirect share in the bank's voting rights: 100% Business name: TECHNO PLUS, a. s. Legal form: Joint-stock company Address: Donnerova 1, Bratislava, 841 0, Slovak Republic Indirect interest in registered share capital: 100% Indirect share in the bank's voting rights: 100% Name: JOZEF TKÁČ Indirect interest in registered share capital: 0% Indirect share in the bank's voting rights: 0% Name: IVAN JAKABOVIČ Indirect interest in registered share capital: 0% Indirect share in the bank's voting rights: 0% ADDITIONAL INFORMATION (In 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Bank's total receivables from these entities 33 103 1 67 94 4 707 33 Bank's total payables to these entities 1 426 183 390 716 43 3 64 216 16 311 1 426 183 Total guarantees issued by the bank to these entities 1 08 1 41 1 427 1 41 1 382 1 08 Total guarantees accepted by the bank toward these entities 80 17 797 78 804 40 797 79 779 340 80 17 Total value of securities (issued by these entities) held by the bank 7 030 8 641 8 629 8 984 1 607 7 030 Total payables from these securities - - - - - - Bank's total receivables from these securities - - - - - - PUBLIC INFORMATION AS AT 31 ST December 2013 12

CONSOLIDATED GROUP STRUCTURE DETAILS 3 B) Information about entities controlled by the bank or in which the bank is a majority shareholder Business name: J&T INVESTIČNÍ SPOLEČNOST, a.s. Legal form: Joint-stock company Address: Pobřežní 297/14, Prague 8, 186 00, Czech Republic Direct interest in registered share capital: 100% Direct share in the bank's voting rights: 100% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 20 shares in certificated form with a nominal value of CZK 1,000,000 per share. Business name: ATLANTIK finanční trhy, a.s. Legal form: Joint-stock company Address: Pobřežní 297/14, Prague 8, 186 00, Czech Republic Direct interest in registered share capital: 100% Direct share in the bank's voting rights: 100% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 282 shares in book-entry form with a nominal value of CZK 00,000 per share. Business name: J&T IB and Capital Markets, a.s. Legal form: Joint-stock company Address: Pobřežní 297/14, Prague 8, 186 00, Czech Republic Direct interest in registered share capital: 100% Direct share in the bank's voting rights: 100% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 10 shares in certificated form with a nominal value of CZK 200,000 per share. Business name: J&T Bank ZAO Legal form: Joint-stock company Address: 26 Kadashevskaya Naberezhnaya, Moscow, Russian Federation 1103 Direct interest in registered share capital: 99,12% Direct share in the bank's voting rights: 99,12% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 80,000,000 shares with a nominal value of 0 RUB (Russian rubles) Business name: TERCES MANAGEMENT LTD Legal form: Joint-stock company Address: Akropoleos 9-61, 1st floor,off 102,2012, Nicosia, Cyprus, Direct interest in registered share capital: 99% Direct share in the bank's voting rights: 99% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 1,101 shares with a nominal value of 1,17 EUR PUBLIC INFORMATION AS AT 31 ST December 2013 13

CONSOLIDATED GROUP STRUCTURE DETAILS 3 Business name: Interznanie OAO Legal form: Joint-stock company Address: Kadashevskaya embankment 26, 11303 Moskva, Russian Federation Indirect interest in registered share capital: 99% Indirect share in the bank's voting rights: 99% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 200,080,000 shares with a nominal value of 1 RUB (Russian rubles) Business name: PGJT B.V. Legal form: Joint-stock company Address: Martinus Nijhofflaan 2, 2624 ES Delft, Netherlands Direct interest in registered share capital: 0% Direct share in the bank's voting rights: 0% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is divided into 7,666,000 shares with a nominal value of 1 EUR Obchodní firma: PROFIREAL OOO Právní forma: Limited company Address: 4 Grivtsova Pereulok, St. Petersburg, Russia, 190 000 Indirect interest in registered share capital: 0% Indirect share in the bank's voting rights: 0% ADDITIONAL INFORMATION Indicate the number, nominal value and purchase price of this entity's shares held and any changes thereof during the accounting period. The registered capital is 200.000.000 RUB (Russian rubles) (In 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Bank's total receivables from these entities 916 790 92 039 676 326 313 9 774 926 916 790 Bank's total payables to these entities 67 08 34 36 322 78 319 423 431 767 67 08 Total guarantees issued by the bank to these entities 80 769 188 824 223 767 244 0 170 341 80 769 Total guarantees accepted by the bank toward these entities 87 277 39 674 43 82 20 040 468 428 87 277 Total value of securities (issued by these entities) held by the bank - - - - - - Total payables from these securities 1 362 82 1 310 10 1 310 10 1 267 41 832 206 1 362 82 PUBLIC INFORMATION AS AT 31 ST December 2013 14

ACTIVITIES OF THE BANK 4 C) Graphic presentation of the consolidated group supervised by the CNB on a consolidated basis and of which the obliged party is a member, with indication of the parties included in the regulated consolidated group. PUBLIC INFORMATION AS AT 31 ST December 2013 1

ACTIVITIES OF THE BANK 4 4.1 Summary of activities conducted under the licence Bank activities consist of receiving deposits from the public and granting of credits, providing of banking, commercial and consulting services, both locally and abroad. The bank is entitled under the banking licence to: Activities set forth under the Bank Act, 1, paragraph 1 a) receipt of deposits from the public b) granting of credits Activities set forth under the Bank Act, 1, paragraph 3 a) investing into securities on the banks own account b) financial leasing c) payment system and clearing d) issuance and administration of means of payment e) granting of guarantees f) opening letters of credit g) collection h) providing investment services under a special regulation: Main investment services: - Pursuant to Section 4 (2) (a) of the Capital Market Undertaking Act, reception and transmission of orders concerning investment instruments, in relation to investment instruments pursuant to Section 3 (1) (a), (b), (c) and (d) of said Act; - Pursuant to Section 4 (2) (b) of the Capital Market Undertaking Act, execution of orders concerning investment instruments on behalf of a customer, in relation to investment instruments pursuant to Section 3 (1) (a), (b), (c) and (d) of said Act; - Pursuant to Section 4 (2) (c) of the Capital Market Undertaking Act, dealing in investment instruments on own account, in relation to investment instruments pursuant to Section 3 (1) (a), (b), (c) and (d) of said Act; - Pursuant to Section 4 (2) (d) of the Capital Market Undertaking Act, management of customer assets, if they include an investment instrument, on a contractual discretionary basis, in relation to investment instruments pursuant to Section 3 (1) (a), (b), (c), (d) and (g) of said Act; - Pursuant to Section 4 (2) (e) of the Capital Market Undertaking Act, investment advice concerning investment instruments, in relation to investment instruments pursuant to Section 3 (1) (a), (b), (c) and (d) of said Act; - Pursuant to Section 4 (2) (g) of the Capital Market Undertaking Act, placing of investment instruments with underwriting commitment, in relation to investment instruments pursuant to Section 3 (1) (a) and (c) of said Act; - Pursuant to Section 4 (2) (h) of the Capital Market Undertaking Act, placing of investment instruments without underwriting, in relation to investment instruments pursuant to Section 3 (1) (a) and (c) of said Act; Ancillary services: - Pursuant to Section 4 (3) (a) of the Capital Market Undertaking Act, safekeeping and administration of investment instruments, including related services, in relation to investment instruments pursuant to Section 3 (1) (a) and (c) of said Act; - Pursuant to Section 4 (3) (b) of the Capital Market Undertaking Act, granting credits or loans to clients to allow them to carry out a transaction in an investment instrument where the firm granting the credit or loan is involved in the transaction, in relation to investment instruments pursuant to Section 3 (1) (a), (b) and (c) of said Act; - Pursuant to Section 4 (3) (c) of the Capital Market Undertaking Act, advice on capital structure, industrial strategy and related matters, as well as advice and services relating to transformations of companies or transfers of undertakings; - Pursuant to Section 4 (3) (d) of the Capital Market Undertaking Act, provision of investment recommendations and investment opportunity analyses or similar general recommendations relating to transactions in investment instruments, in relation to investment instruments pursuant to Section 3 (1) (a), (b), (c) and (d) of said Act; - Pursuant to Section 4 (3) (e) of the Capital Market Undertaking Act, performance of foreign exchange operations connected to the provision of investment services; - Pursuant to Section 4 (3) (f) of the Capital Market Undertaking Act, services related to the underwriting and placing of investment instruments, in relation to investment instruments pursuant to Section 3 (1) (a) and (c) of said Act. PUBLIC INFORMATION AS AT 31 ST December 2013 16

ACTIVITIES OF THE BANK 4 j) financial brokerage k) custody services l) foreign exchange services (purchase of foreign currency) m) providing with bank information n) trading in foreign currencies and gold on the bank's own or client accounts, to the extent of: - trading in foreign currencies on the bank's own or client accounts; - trading in foreign securities on the bank's own account; - trading in cash trademarks and obligations derived from the above foreign currency value on the bank's own account; - trading in gold on the bank's own or client accounts o) lease of safety deposit boxes p) activities directly related to activities set forth in J&T BANKA's banking licence 4.2 Activities undertaken by the Bank According to valid licence. 4.3 Summary of Activities, which performance or providing was restricted or excluded by the CNB The bank performs its activities in the range of valid licence. The Czech national Bank has not restricted or excluded any activities performed by the bank. PUBLIC INFORMATION AS AT 31 ST December 2013 17

Consolidated Group where the Bank is Controlling Entity.1 Balance Sheet as at 31 th December 2013 Consolidated statement of financial position Assets ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Cash and balances with central banks 8 408 07 7 206 49 3 202 13 7 417 770 6 977 979 Due from financial institutions 3 6 373 2 309 21 3 380 483 2 217 17 6 86 483 Derivative financial instruments 328 00 124 67 116 197 68 037 112 723 Derivative financial instruments - fair value hedge 8 204 10 603 10 61 0 4 929 Investment securities at fair value through profit or loss 827 49 819 016 814 181 780 414 71 07 Financial instrument held for trading 6 79 98 8 14 074 9 828 167 401 680 4 41 067 Investment securities available for sale 20 393 361 18 326 064 18 47 189 22 2 96 23 04 08 Investment securities held to maturity 1 84 997 2 138 123 2 172 28 2 187 66 2 12 122 Loans and advances to customers 60 004 348 46 74 229 47 461 662 42 319 123 41 10 044 Investments partipation with significant influence 939 394 40 39 103 492 0 0 Investments in real estate 646 46 627 023 646 360 690 479 0 Property and equipment 210 6 209 974 223 90 237 710 72 673 Intangible assets 164 633 136 201 12 11 131 773 147 438 Goodwill 404 72 446 481 44 399 472 466 189 71 Deferred tax asset 34 819 0 0 0 0 Current tax asset 29 37 20 234 21 208 7 101 7 17 Prepayments, accrued income and other assets 94 071 642 842 609 2 832 066 81 21 Non-current assets and disposing groups held for sale 260 03 1 783 247 1 794 210 1 776 33 1 9 93 Total Assets 110 236 636 9 18 999 89 439 60 87 06 921 88 401 271 Liabilities and shareholder s equity ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Due to banks and other financial institutions 09 710 114 049 3 327 060 222 372 49 213 Derivative financial instruments 31 480 88 271 60 109 982 32 34 Derivative financial instruments - fair value hedge 083 348 3 29 712 111 367 3 202 70 11 248 319 Amounts owed to customers 8 822 810 78 366 1 73 84 128 70 69 103 64 032 411 Subordinated liabilities 1 08 33 1 334 641 1 018 70 1 013 173 99 747 Deferred tax liabilities 1 11 164 146 163 81 217 1 140 696 Current tax liability 133 372 29 904 6 172 189 214 13 472 Accruals, provisions and other liabilities 3 00 282 2 94 988 3 060 862 3 224 36 3 62 203 Liabilities from disposed assets held for sale 0 673 871 684 869 713 112 697 789 Total liabilities 96 190 866 87 013 417 82 228 394 79 1 748 80 984 384 Share capital 9 8 127 3 88 127 3 88 127 3 88 127 3 88 127 Retained earnings and capital funds 2 844 087 2 827 719 2 872 04 3 426 463 2 39 264 Current year profit and loss 1 024 22 76 6 437 741 213 970 1 01 311 Total shareholder's equity 13 426 466 7 442 402 7 167 922 7 498 60 7 412 702 Non-controlling interest 74 20 1 011 276 41 094 1 66 4 18 Non-controlling interest current periond 44 784 1 904 2 10 47 440 Total equity 14 04 770 8 0 82 7 211 166 7 14 173 7 416 887 Total liabilities, non-controlling interests and shareholders' equity 110 236 636 9 18 999 89 439 60 87 06 921 88 401 271 PUBLIC INFORMATION AS AT 31 ST December 2013 18

.2. Consolidated Statement of Comprehensive Income ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Interest income 4 30 207 3 081 943 2 06 938 1 033 381 3 979 06 4 30 207 Interest expense -2 472-1 803 469-1 200 996-88 084-2 129 481-2 472 Net interest income 1 832 62 1 278 474 8 942 44 297 1 80 02 1 832 62 Dividends from assets available for sale Fee and commission income 42 38 37 632 39 670 0 8 81 42 38 Fee and commission expense 603 121 41 62 308 377 110 437 676 36 603 121 Net fee and commission -1 048-101 280-69 361-32 329-176 72-1 048 Net trading income 448 073 30 282 239 016 78 108 499 964 448 073 Negative goodwill 493 302 421 869 316 07 13 683 72 719 493 302 Other operating income 171 001 122 331 84 798 42 04 79 8 171 001 Operating profit 2 987 387 2 210 88 1 3 933 719 142 3 214 117 2 987 387 Personnel expenses -697 991-10 822-324 229-16 433-71 83-697 991 Depreciation and amortisation -936 721-709 076-46 31-200 29-698 812-936 721 Other operating expenses -84 974-6 748-46 628-24 730-92 149-84 974 Impairment of goodwill -49 714 - - - - -49 714 Operating expenses -1 769 400-1 28 646-836 388-381 422-1 42 814-1 769 400 Profit before allowances for loan losses and income taxes 1 217 987 924 942 699 4 337 720 1 671 303 1 217 987 Provisions from financial activities -17 449-34 623-44 134-44 14 7 37-17 449 Net change in allowances for loan losses -1 11-203 012-171 24-9 409-48 76-1 11 Profit before income tax 68 423 687 307 484 17 284 166 1 192 89 68 423 Income taxes -11 021-161 721-107 776-77 67-271 997-11 021 Profit from continued operation 320 696 182 63-307 320 696 Profit from discontinued operation 213 938 100 311 63 817 7 08 94 83 213 938 Profit for the period 1 069 036 808 460 439 891 214 017 1 01 71 1 069 036 Profit attributable to shareholder: Profit from continued operation 810 314 702 760 376 279 206 462 920 499 810 314 Profit from discontinued operation 166 922 3 796 61 462 7 42 94 812 166 922 Profit attributable to non-controlling interest: Profit from continued operation 44 784 389-20 47 440 44 784 Profit from discontinued operation 47 016 46 1 2 3 83 0 47 016 *) During the preparation of financial statements for the period ended 31st December 2012 the presentation of several items was revised for the period ended 30th September 2012. PUBLIC INFORMATION AS AT 31 ST December 2013 19

.3 Financial Assets Sorted by Impairment, Sectors and Classification ( 000 CZK) 31.12.2013 cost Gross amount FV Impairment allowance cost Accumulated loss from revaluation FV Carrying amount cost Financial assets FV 3 Receivables without impairment 67 92 07 XX XX 67 92 07 0 9 Receivables with impairment 0 81 1 227 97 4 277 88 0 ( 000 CZK) 30.9.2013 cost Gross amount FV Impairment allowance cost Accumulated loss from revaluation FV Carrying amount cost Financial assets FV 3 Receivables without impairment 2 48 67 XX XX 2 48 67 0 9 Receivables with impairment 4 640 409 880 694 3 79 714 0 ( 000 CZK) 30.6.2013 cost Gross amount FV Impairment allowance cost Accumulated loss from revaluation FV Carrying amount cost Financial assets FV 3 Receivables without impairment 0 214 087 XX XX 0 214 087 0 9 Receivables with impairment 4 889 466 87 742 4 031 724 0 ( 000 CZK) 31.3.2013 cost Gross amount FV Impairment allowance cost Accumulated loss from revaluation FV Carrying amount cost 3 Receivables without impairment 49 102 762 0 XX XX 49 102 762 0 9 Receivables with impairment 2 230 29 0 693 189 1 37 10 0 Financial assets FV ( 000 CZK) 31.12.2012 cost Gross amount FV Impairment allowance cost Accumulated loss from revaluation FV Carrying amount cost 3 Receivables without impairment 2 310 8 0 XX XX 2 310 8 0 9 Receivables with impairment 3 977 918 0 819 39 0 3 18 380 0 Financial assets FV PUBLIC INFORMATION AS AT 31 ST December 2013 20

.4. Derivatives DERIVATIVES - TRADING (ASSETS) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Fair value 328 00 124 67 11 893 68 037 112 217 Nominal value 30 248 497 31 87 29 3 779 430 30 439 310 28 46 287 DERIVATIVES - TRADING (LIABILITIES) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Fair value 31 480 114 049 271 46 221 639 49 08 Nominal value 29 961 72 31 868 242 38 40 197 30 67 130 28 424 17 DERIVATIVES - HEDGING (ASSETS) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Fair value 8 204 10 603 10 61 0 4 929 Nominal value 8 962 391 3 629 42 4 322 000 0 160 701 DERIVATIVES - HEDGING (LIABILITIES)( ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Fair value 09 710 88 111 367 109 982 3 23 400 Nominal value 9 48 774 3 693 08 4 411 00 6 948 482 186 798 PUBLIC INFORMATION AS AT 31 ST December 2013 21

.. Ratios and Other Indicators 1. INFORMATION ABOUT CAPITAL ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Capital 13 80 964 8 2 218 6 980 272 7 029 769 6 42 049 Core capital (Tier 1) 12 467 10 7 263 892 982 693 6 037 396 474 084 Paid-up share capital entered in the commercial register 9 8 127 3 88 127 3 88 127 3 88 127 3 88 127 Own shares held Share premium Reserves and retained earnings 2 694 347 2 691 221 2 777 943 2 740 391 1 941 84 Statutory reserve funds Other funds created from profit 2 661 249 2 633 606 2 600 979 1 964 468 1 964 46 Retained earnings 33 098 7 61 176 964 Profit after tax Accumulated losses from previous periods 77 923-22 611 Goodwill from consolidation -404 72-446 481-44 399-472 466-189 71 Net fx differences from consolidation -100 467-12 37-70 362 31 072 7 71 Non-controlling interests 70 989 1 007 476 37 8 12 04 3 68 Profit for the period 41 126 41 126 Loss for the period Net profit from capitalizing future proceeds from securitization Profit/loss from revaluating liabilities at FV due to credit risk -40 662 Other deductible items from core capital -26 887-136 201-12 11-131 773-147 438 Goodwill Intangible assets other than goodwill -164 697-136 201-12 11-131 773-147 438 Neg. valuation difference from FV changes of realized cap. instr. -101 190 0 Equities issued by a person with an interest in the bank Hybrid instruments total 0 0 0 0 0 Hybrid instruments reflected up to the core capital Hybrid instruments reflected up to 3% of the core capital Hybrid instruments reflected up to 1% of the core capital Supplementary capital (Tier 2) 1 420 068 1 288 326 997 79 992 373 977 96 Main supplementary capital 0 0 0 0 0 Surplus in covering expected credit losses with IRB Excess of limits for hybrid instruments Auxiliary supplementary capital 1 420 068 1 288 326 997 79 992 373 977 96 Subordinated debt A 1 420 068 1 288 326 997 79 992 373 977 96 Posit. valuation diff. from changes in FV of realized stocks and units 0 0 Deductible items from core and supplementary capital (Tier1+Tier2) -36 61 0 0 0 0 Capital investments over 10% in banks and other fin. institutions -36 61 Capital investments over 10% in insurance companies Capital investments over 10% in institutions and fin. institutions Signif. prudential adjustments in valuation at FV or modelling Exposure from securitization with risk weight of 120% Lack of coverage of expected credit losses with IRB Excess of other than signif. prudential adjustments over subordinated debt B Deduction for free deliveries Capital to cover market risk (Tier 3) 0 0 0 0 0 Subordinated debt B Other than signif. prudential adjustments in valuation at FV or modelling 2. RATIOS ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Capital adequacy 1,84% 12,10% 10,81% 12,1% 11,87% Return on average assets (ROAA) 1,14% 1,20% 1,00% 0,98% 1,24% Return on average equity (ROAE) 14,34% 17,39% 1,0% 14,87% 16,19% PUBLIC INFORMATION AS AT 31 ST December 2013 22

3. CAPITAL AND CAPITAL ADEQUACY ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 1 Total Capital Requirements 6 993 607 66 66 167 912 4 629 246 4 30 220 2 Cap. req. for credit risk total 6 020 772 4 692 48 4 242 726 3 938 14 3 76 934 3 Cap. req. for credit risk under SA total 6 020 772 4 692 48 4 242 726 3 938 14 3 76 934 4 Cap. req. for credit risk under SA for total exposure 6 020 772 4 692 48 4 242 726 3 938 14 3 76 934 Cap. req. under SA for exposure to central governments and banks 391 3 26 3 331 7 163 7 73 6 Cap. req. under SA for exposure to reg. governments and local auth. 7 Cap. req. under SA for exposure to public sector and other organizations 8 Cap. req. under SA for exposure to international development banks 9 Cap. req. under SA for exposure to international organizations 10 Cap. req. under SA for institutional exposures 662 04 97 91 211 804 173 498 280 12 11 Cap. req. under SA for corporate exposures 4 178 187 2 838 122 2 804 06 2 30 389 2 294 60 12 Cap. req. under SA for retail exposures 0 0 0 0 0 13 Cap. req. under SA for mortgage secured exposures 698 714 67 626 94 414 688 483 684 972 14 Cap. req. under SA for non-performing exposures 1 26 1 342 2 287 9 768 1 802 1 Cap. req. under SA for regulatory high-risk exposures 16 Cap. req. under SA for exposure to covered bonds 17 Cap. req. under SA for short-term inst. and corp. exposures 0 0 0 0 0 18 Cap. req. under SA for exposure to collective invest. funds 262 429 261 803 379 13 373 148 229 902 19 Cap. req. under SA for other exposures 212 479 332 448 247 249 33 706 266 9 20 Cap. req. for credit risk under SA within IRBA for total exposure 0 0 0 0 0 21 Cap. req. under SA within IRBA for exposure to central governments and banks 0 0 0 0 0 22 Cap. req. under SA within IRBA for institutional exposure 0 0 0 0 0 23 Cap. req. under SA within IRBA for corporate exposure 0 0 0 0 0 24 Cap. req. under SA within IRBA for retail exposure 0 0 0 0 0 2 Cap. req. under SA within IRBA for equity exposures 0 0 0 0 0 26 Cap. req. under SA within IRBA for other exposures 27 Cap. req. for credit risk under SA for securitization exposure 28 Cap. req. for credit risk under IRBA total 0 0 0 0 0 29 Cap. req. for credit risk under IRBA for selected exposures total 0 0 0 0 0 30 Cap. req. under IRBA for exposure to central governments and banks 0 0 0 0 0 31 Cap. req. under IRBA for institutional exposure 0 0 0 0 0 32 Cap. req. under IRBA for corporate exposure 0 0 0 0 0 33 Cap. req. under IRBA for retail exposure 0 0 0 0 0 34 Cap. req. for credit risk under IRBA for equity exposures 0 0 0 0 0 3 Cap. req. for credit risk under IRBA for securitization exposure 36 Cap. req. for credit risk under IRBA for other exposures 37 Cap. req. for settlement risk 38 Cap. req. for position, currency and commodity risks total 672 461 663 833 624 811 390 718 381 411 39 Cap. req. for market risk under SA total 672 461 663 833 624 811 390 718 381 411 40 Cap. req. under SA for interest rate risk 34 088 387 98 446 267 294 390 279 267 41 Cap. req. under SA for equity risk 16 66 6 610 12 728 16 832 13 887 42 Cap. req. under SA for currency risk 289 692 23 94 11 349 6 20 66 412 43 Cap. req. under SA for commodity risk 12 02 1 320 14 467 23 291 21 844 44 Cap. req. for market risk under the internal model approach 4 Cap. req. for operating risk total 300 374 300 374 300 374 300 374 202 874 46 Cap. req. for operating risk under BIA 300 374 300 374 300 374 300 374 202 874 47 Cap. req. for operating risk under TSA 48 Cap. req. for operating risk under ASA 49 Cap. req. for operating risk under AMA 0 0 0 0 0 0 Cap. req. for trading book risk 1 Cap. req. for other trading book instruments 2 Transitional cap. req. - match up to Basel I PUBLIC INFORMATION AS AT 31 ST December 2013 23

J&T BANKA.6. Balance Sheet as at 31 st December 2013 ASSETS OF REPORTING ENTITY IN BASIC STRUCTURE Figures compensated by impairment and accumulated depreciation ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 1 Total assets 104 767 763 90 179 14 8 278 16 82 732 698 8 087 426 2 Cash and balances with central banks 8 242 26 7 08 3 3 087 647 7 219 31 6 772 769 3 Cash in hand 14 20 122 202 133 64 133 330 119 33 4 Balances with central banks 8 096 746 6 936 32 2 93 992 7 086 202 6 63 434 held for trading 6 079 387 8 012 187 9 26 114 4 828 999 4 200 693 6 Positive fair value of derivatives held for trading 289 273 124 670 11 893 68 037 112 217 7 Equities held for trading 84 799 0 48 82 23 109 28 90 387 8 Debt securities held for trading 70 31 7 837 031 9 066 967 4 61 677 3 998 090 9 Receivables held for trading 0 0 0 0 0 10 Receivables from banks held for trading 11 Receivables from other than banks held for trading 12 Other receivables held for trading 13 fair value through profit or loss 827 49 819 016 814 181 780 414 71 08 14 Equities fair value through profit and loss 0 0 0 0 0 1 Debt securities fair value through profit and loss 827 49 819 016 814 181 780 414 71 08 16 Receivables fair value through profit and loss 0 0 0 0 0 17 18 Receivables from banks fair value through profit and loss Receivables from other than banks fair value through profit and loss 19 Other receivables at fair value through profit and loss 20 Available-for-sale financial assets 20 330 41 18 740 18 18 44 492 22 426 24 22 892 91 21 Available-for-sale equities 3 762 221 4 307 410 4 474 892 374 961 3 926 719 22 Available-for-sale debt securities 16 68 231 14 432 748 13 979 601 17 01 293 18 966 231 23 Available-for-sale receivables 0 0 0 0 0 24 Available-for-sale receivables from banks 2 Available-for-sale receivables from other than banks 26 Available-for-sale other receivables 27 Loans and receivables 9 622 28 4 996 140 48 948 32 42 712 188 46 291 88 28 Non-marketable debt securities 220 882 113 900 116 907 11 379 239 961 29 Loans and receivables 9 401 64 4 882 240 48 831 44 42 96 809 46 01 924 30 Receivables from banks 2 939 914 2 272 878 3 201 428 1 17 968 6 369 263 31 Receivables from other than banks 6 161 70 43 29 03 4 301 303 40 04 109 39 090 184 32 Other loans and receivables 299 981 313 860 328 714 74 731 92 478 33 Held-to-maturity financial assets 1 84 997 2 138 123 2 172 28 2 187 66 2 12 122 34 Held-to-maturity debt securities 1 84 997 2 138 123 2 172 28 2 187 66 2 12 122 3 Held-to-maturity receivables 0 0 0 0 0 36 Held-to-maturity receivables from banks 37 Held-to-maturity receivables from other than banks 38 Held-to-maturity other receivables 39 Hedging derivatives with positive fair value 8 204 10 603 10 61 0 4 929 40 Hedging derivatives with positive fair value - fair value hedge 8 204 10 603 10 61 0 4 929 41 Hedging derivatives with positive fair value - cash flow hedge 42 43 44 Hedging derivatives with positive fair value - hedge of a net investment in a foreign operation Hedging derivatives with positive fair value - interest rate risk hedge - fair value Hedging derivatives with positive fair value - interest rate risk hedge - cash flow 4 Positive fair value changes of the hedged items in portfolio hedge 46 Tangible assets 39 743 41 014 46 070 47 490 68 226 PUBLIC INFORMATION AS AT 31 ST December 2013 24

47 Property, plant and equipment 39 743 41 014 46 070 47 490 68 226 48 Investment property 49 Intangible assets 101 888 70 679 82 601 6 682 0 Goodwill 1 Other intangible assets 101 888 70 679 82 601 6 682 2 Investments in associates, subsidiaries and joint ventures 7 361 447 6 04 281 1 310 183 1 267 29 832 206 3 Tax assets 34 79 19 324 14 121 19 787 0 4 Current tax assets 0 0 14 121 0 0 Deferred tax assets 34 79 19 324 0 19 787 0 6 Other assets 161 008 302 916 232 7 296 441 18 706 7 Non-current assets and disposal groups classified as held for sale 112 00 466 160 866 786 890 808 896 200 PUBLIC INFORMATION AS AT 31 ST December 2013 2

LIABILITIES AND EQUITY OF REPORTING ENTITY IN BASIC STRUCTURE ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 1 Total liabilities and equity 104 767 763 90 179 14 8 278 16 82 732 698 8 087 427 2 Total liabilities 91 80 68 83 030 469 78 301 196 7 02 602 77 84 404 3 Deposits and other financial liabilities from central banks 7 099 033 4 Financial liabilities held for trading 80 032 114 67 273 283 230 460 3 4 Negative fair value of derivatives held for trading 79 687 114 64 271 46 221 639 49 08 6 Liabilities from short sales 34-78 1 827 8 820 4 496 7 Deposits and other financial liabilities held for trading 0 0 0 0 0 8 Deposits and other financial liabilities from banks held for trading 9 Deposits and other financial liabilities from other than banks held for trading 10 Other financial liabilities held for trading 11 Issued debt securities with short-term redemption 12 Financial liabilities at fair value through profit and loss 0 0 0 0 0 13 14 1 Deposits and other financial liabilities fair value through profit and loss 0 0 0 0 0 Deposits and other financial liabilities from banks fair value through profit and loss Deposits and other financial liabilities from other than banks measured at fair value through profit and loss 16 Other financial liabilities fair value through profit and loss 17 Issued debt securities fair value through profit and loss 18 Subordinated liabilities fair value through profit and loss 19 Financial liabilities amortised cost 90 892 260 82 040 407 77 188 481 74 324 60 69 92 940 20 Deposits and other financial liabilities at amortised cost 89 383 907 80 70 767 76 086 948 73 229 171 68 87 349 21 22 Deposits and other financial liabilities from banks amortised cost 4 73 746 2 802 039 2 93 462 2 220 706 3 728 81 Deposits and other financial liabilities from other than banks measured at amortised cost 82 018 173 7 723 243 71 201 103 68 267 96 62 004 006 23 Other financial liabilities amortised cost 2 629 988 2 180 48 2 292 384 2 740 00 3 142 762 24 Issued debt securities amortised cost 0 82 782 82 309 81 844 2 Subordinated liabilities amortised cost 1 08 33 1 334 641 1 018 70 1 013 170 99 747 26 Financial liabilities associated with transferred assets 27 Hedging derivatives with negative fair value 18 102 88 111 366 109 982 32 34 28 Hedging derivatives with negative fair value - fair value hedge 18 102 88 111 366 109 982 32 34 29 Hedging derivatives with negative fair value - cash flow hedge 30 31 32 Hedging derivatives with negative fair value - hedge of a net investment in a foreign operation Hedging derivatives with negative fair value - interest rate risk hedge - fair value Hedging derivatives with negative fair value - interest rate risk hedge - cash flow 33 Negative fair value changes of the hedged items in portfolio hedge 34 Provisions 103 301 131 79 108 99 100 691 48 21 3 Provisions for restructuring costs 36 Provisions for claims and litigation 37 Provisions for retirements and similar liabilities 3 978 41 4 497 7 992 38 Provisions for off-balance sheet items 28 78 4 32 4 930 4 88 10 480 39 Provisions for onerous contracts 40 Other provisions 74 43 0 249 48 614 41 336 30 049 41 Tax liabilities 840 46 08 23 406 88 020 231 117 42 Income tax liabilities 840 0 0 0 114 924 43 Deferred tax liabilities 46 08 23 406 88 020 116 193 44 Other liabilities 21 033 608 83 9 666 648 800 436 70 4 Share capital of associations repayable on demand XX XX XX XX 46 Liabilities associated with disposal groups classified as held for sale 0 0 0 47 Total equity 12 917 194 7 148 68 6 976 960 7 230 096 7 233 022 48 Share capital 9 8 127 3 88 127 3 88 127 3 88 127 3 88 127 49 Share capital - paid 9 8 127 3 88 127 3 88 127 3 88 127 3 88 127 0 Share capital - unpaid PUBLIC INFORMATION AS AT 31 ST December 2013 26

1 Share premium 2 Other capital funds 0 0 0 0 0 3 Equity element of financial instruments 4 Other capital funds Revaluation reserves and other valuation differences 101 34 90 831 76 979 294 610 496 806 6 Gain or loss from revaluation of tangible assets 7 Gain or loss from revaluation of intangible assets 8 Hedge of a net investment in a foreign operation 9 Cash flow hedge 60 Gain or loss from revaluation of available-for-sale financial assets 78 873 90 97 76 983 294 610 496 806 61 Gain or loss from revaluation of non-current assets and discontinued operations classified as held for sale 62 Other revaluation reserves 22 661-126 -4 0 63 Reserve funds 2 630 44 2 630 43 2 630 43 1 962 2 1 962 13 64 Retained earnings -3 72-3 72-3 72 91 76-3 72 6 Own shares 66 Profit for the current period 630 80 72 998 41 126 199 230 919 301 GRANTED PROMISES, GUARANTEES, RECEIVABLES FROM DERIVATIVES AND SIMILAR ITEMS 1 ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Sum of granted promises, guarantees and other off-balance receivables 46 771 40 43 672 76 46 299 269 4 802 471 42 667 73 2 Granted promises and guarantees 79 127 61 026 4 947 943 4 084 233 138 000 3 Granted promises 3 381 886 3 33 70 3 183 602 2 267 882 3 116 20 4 Granted guarantees 2 413 240 2 207 276 1 764 341 1 816 31 2 021 70 Granted guarantees on interest rate derivatives 6 Other granted guarantees 2 413 240 2 207 276 1 764 341 1 816 31 2 021 70 7 Granted guarantees on bills of exchange 8 Granted guarantees on letter of credits 9 Granted pledges 22 826 0 402 2 484 7 886 491 7 702 690 10 Receivables from spot transactions 1 420 476 1 462 208 2 68 068 1 178 814 766 422 11 Receivables from fixed-term transactions 38 023 330 3 23 113 37 30 743 31 341 631 27 826 69 12 Receivables from options 848 049 914 372 88 39 879 666 802 294 13 Written-off debts 431 641 431 636 431 636 431 636 431 634 14 Values put for asset management 1 Values put in custody RECEIVED PROMISES, GUARANTEES, LIABILITIES FROM DERIVATIVES AND SIMILAR ITEMS 1 ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Sum of received promises, guarantees and other off-balance liabilities 126 012 224 117 911 31 118 719 80 103 646 884 90 90 607 2 Received promises and guarantees 6 27 833 3 93 287 3 866 131 2 917 681 3 148 046 3 Received promises 4 Received guarantees 4 80 643 2 20 48 2 426 00 1 724 828 2 007 462 Received guarantees on interest rate derivatives 6 Other received guarantees 4 80 643 2 20 48 2 426 00 1 724 828 2 007 462 7 Received guarantees on bills of exchange 1 677 190 1 387 803 1 440 126 1 192 83 1 140 84 8 Received guarantees on letter of credits 9 Received pledges 33 830 963 33 333 991 32 70 072 37 70 700 30 106 609 10 Liabilities from spot transactions 1 244 48 1 460 812 2 63 266 1 119 808 673 700 11 Liabilities from fixed-term transactions 38 323 0 3 301 266 37 91 709 31 600 60 27 783 700 12 Liabilities from options 80 38 91 710 88 488 876 019 799 2 13 Values received for asset management 3 861 984 4 487 701 4 723 411 4 983 14 3 868 849 14 Values received for custody 41 642 807 38 818 84 36 46 03 24 78 601 24 210 448 PUBLIC INFORMATION AS AT 31 ST December 2013 27

.7. Income Statement for the Year Ended 31 st December 2013 INCOMES, COSTS, PROFITS AND LOSSES OF THE REPORTING ENTITY ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 1 Profit from financial and operating activities 2 411 830 1 82 241 1 16 793 90 879 2 79 017 2 Interest income 3 876 06 2 799 026 1 877 129 939 080 3 686 267 3 Interest income from balances held with central banks 1 922 14 612 13 668 12 689 19 807 4 Interest income from financial assets held for trading 278 226 137 9 100 47 78 196 886 Interest income from financial assets fair value through profit and loss 9 138 6 04 17 72 7 433 6 Interest income from available-for-sale financial assets 428 433 381 126 268 441 126 980 416 627 7 Interest income from loans and other receivables 3 027 80 2 168 162 1 43 118 700 402 2 829 63 8 Interest income from held-to-maturity financial assets 126 330 88 432 8 76 33 499 147 716 9 Profit from hedging interest derivatives 10 Interest income from other assets 14 0 0 0 146 11 Interest expense -2 220 336-1 602 18-1 064 23-19 93-1 976 101 12 Interest expense from deposits and other financial liabilities from central banks -11 1-11 416-11 393-11 33-62 60 13 Interest expense from financial liabilities held for trading -22 40-4 04-2 63-1 10-1 404 14 Interest expense from financial liabilities fair value through profit and loss 1 Interest expense from financial liabilities amortised cost -2 186 371-1 87 047-1 00 67-07 108-1 912 047 16 Loss from hedging interest derivatives 17 Interest expense from other liabilities 18 Expenses from issued capital paid on demand 19 Dividend income 107 492 102 061 92 064 78 14 809 20 Dividend income from financial assets held for trading 3 619 2 914 2 892 78 1 989 21 Dividend income from financial assets fair value through profit and loss 22 Dividend income from available-for-sale financial assets 42 38 37 632 39 670 8 81 23 Dividend income from participation interests 61 1 61 1 49 02 93 969 24 Fee and commission income 447 417 322 238 221 09 76 969 487 187 2 Fees and commission income from operations with financial instruments for customers 2 747 202 63 141 104 43 147 336 949 26 Fees and commission income from services connected with issues 118 828 99 818 72 6 6 482 189 16 27 Fees and commission income from operations with financial instruments 136 918 102 74 68 39 36 666 147 793 28 Fees and commission income from consultancy services 29 Fees and commission income from clearing and settlement 30 Fees and commission income from asset management 30 89 21 670 14 744 6 04 24 69 31 Fees and commission income from custody services 40 846 17 069 11 733 3 464 17 428 32 Fees and commission income from loan commitments and guarantees 44 960 29 379 17 73 8 926 21 443 33 Fees and commission income from payments 2 028 10 773 6 282 1 389 11 378 34 Fees and commission income from structured financing 3 Fees and commission income from securitisation 36 Fees and commission income from other services 0 248 40 784 29 660 13 38 7 419 37 Fee and commission expense -101 013-4 63-33 314-12 942-9 329 38 Fees and commission expense for operations with financial instruments -2 079-24 971-17 678-7 09-47 039 39 Fees and commission expense for asset management -1 004 40 Fees and commission expense for custody services -13 486-4 773-3 077-8 11 41 Fees and commission expense for clearing and settlement 42 Fees and commission expense for securitisation 43 Fees and commission expense for other services -3 448-24 819-12 9-4 878-40 17 44 Realised gain/loss from financial assets and liabilities not fair value through profit and loss 467 964 134 423 68 310 9 24 47 707 4 Gain (loss) from available-for-sale financial assets 466 064 134 423 68 310 9 24 44 431 46 Gain (loss) from loans and other receivables 1 900 3 276 47 Gain (loss) from held-to-maturity financial investments 0 48 Gains (loss) from financial liabilities at amortised cost 49 Gain (loss) from other liabilities PUBLIC INFORMATION AS AT 31 ST December 2013 28

0 Gain (loss) from financial assets and liabilities held for trading -1 30 79 36 60-313 196-37 743 962 828 1 Gain (loss) from equity instruments and equity derivatives 12 20 4 843 19 644 7 374-1 980 2 Gain (loss) from interest rate instruments (including interest rate derivatives) -26 663 264 97 249 188 136 743 23 12 3 Gain (loss) from currency instruments (including currency derivatives) -1 311 01-248 183-9 170-02 027 721 018 4 Gain (loss) from credit instruments (including credit derivatives) Gain (loss) from commodities and commodity derivatives -2 069-2 63-22 87 167 4 66 6 Gain (loss) from other instruments including hybrid 7 Gain (loss) from financial assets and liabilities fair value through profit and loss 6 979-7 972 1 367-7 491 4 012 8 Gain (loss) from hedge accounting -2 292 2 902 709 3 949 1 998 9 Foreign currency translation differences 1 346 361 271 274 416 229 02 81-361 6 60 Gain (loss) from derecognition of assets other than held for sale 64 02 11 879 7 127 7 13 7 937 61 Other operating income 41 710 30 722 19 961 9 611 42 72 62 Other operating expense -210 91-193 837-136 166-60 233-217 493 63 General administrative expenses -1 176 910-86 662-22 700-244 936-1 03 18 64 Personnel expenses -66 134-417 296-244 762-127 192-641 929 6 Wages and salaries -469 904-318 694-179 101-94 727-497 437 66 Social security and health insurance -79 816-87 73-7 1-31 334-128 766 67 Pensions and similar expenses -819-38 -33-634 68 Temporary staff expenses -2 973-2 204-1 426-3 422 69 Remuneration - own capital instruments 70 Other personnel expenses -12 622-8 108-6 367-1 131-11 669 71 Other administrative expenses -610 776-439 366-277 938-117 744-411 89 72 Advertising -109 678-2 902-39 19-12 679-109 771 73 Consultancy -46 978-26 882-16 147-1 448-38 034 74 Information technology - 804-23 480-16 031-6 828-33 136 7 Outsourcing -109 099-79 01-82 -24 814-10 041 76 Rent -10 772-79 343-2 40-24 910-91 463 77 Other administrative expenses -233 44-177 708-98 33-47 066-129 143 78 Depreciation and amortisation -49 028-37 647-26 223-14 06-62 210 79 Depreciation of property, plant and equipment -1 989-12 893-9 81-71 -29 082 80 Depreciation of investment property 81 Amortisation of intangible assets -33 039-24 74-16 641-8 341-33 128 82 Creation of provisions -17 449-7 829 64 984-1 840 7 317 83 Impairment losses -481 79-180 13-161 166-6 920-33 29 84 Impairment losses on financial assets not fair value through profit and loss 8 Impairment losses on financial assets cost 86 Impairment losses on available-for-sale financial assets -476 419-180 138-161 169-6 920-478 68 87 Impairment losses on loans and other receivables -476 419-180 138-161 169-6 920-478 68 88 Impairment losses on held-to-maturity financial assets 89 Impairment losses on non-financial assets - 340 3 3 0-4 610 90 Impairment losses on property, plant and equipment 91 Impairment losses on investment property 92 Impairment losses on goodwill 93 Impairment losses of intangible assets 94 Impairment losses on participations in associates, subsidies and joint ventures - 718-4 616 9 Impairment losses on other non-financial assets 378 3 3 6 96 Negative goodwill immediately recognized in the profit or loss 97 Share of the profit or loss of associated and joint ventures 98 Profit or loss from non-current assets and disposal groups 99 Profit or loss before income tax from continuing operations 748 200 719 968 11 689 273 127 1 13 311 100 Income tax expense -117 394-146 970-96 63-73 897-234 010 101 Profit or loss from continuing operations 630 80 72 998 41 126 199 231 919 301 102 Profit or loss from discontinued operations 103 Profit or loss for the period 630 80 72 998 41 126 199 231 919 301 PUBLIC INFORMATION AS AT 31 ST December 2013 29

.8 Loans and Advance and Their Impairment ( 000 CZK) 31.12.2013 Gross amount Carrying amount Specific allowances for impairment Collective allowances for impairment without specific impairment Collective allowances for impair. created for negligible items Accumulate d loss from revaluation Loans and advance, total 60 21 78 9 101 664 1 10 094 0 0 0 Loans and advances to banks 2 939 914 2 939 914 0 0 0 0 Loans and advances to banks without default 2 939 914 2 939 914 0 0 0 0 Standards loans and advances to banks 2 939 914 2 939 914 Watched loans and advances to banks 0 Loans and advances to banks with default 0 0 0 0 0 0 Non-standard loans and advances to banks 0 Doubtful loans and advances to banks 0 Loss loans and advances to banks 0 Loans and advances to customers 7 311 844 6 161 70 1 10 094 0 0 0 Loans and advances to customers without default 130 676 4 00 490 630 186 0 0 0 Standards loans and advances to customers 0 670 24 0 670 24 Watched loans and advances to customers 4 460 12 3 829 966 630 186 Loans and advances to customers with default 2 181 168 1 661 260 19 908 0 0 0 Non-standard loans and advances to customers 98 737 83 93 10 144 Doubtful loans and advances to customers 700 136 63 333 46 803 Loss loans and advances to customers 22 29 14 334 367 961 ( 000 CZK) 30.9.2013 Gross amount Carrying amount Specific allowances for impairment Collective allowances for impairment without specific impairment Collective allowances for impair. created for negligible items Accumulate d loss from revaluation Loans and advance, total 46 392 181 4 68 381 823 800 0 0 0 Loans and advances to banks 2 272 878 2 272 878 0 0 0 0 Loans and advances to banks without default 2 191 771 2 191 771 0 0 0 0 Standards loans and advances to banks 2 191 771 2 191 771 Watched loans and advances to banks 0 Loans and advances to banks with default 81 107 81 107 0 0 0 0 Non-standard loans and advances to banks 0 Doubtful loans and advances to banks 0 Loss loans and advances to banks 81 107 81 107 Loans and advances to customers 44 119 303 43 29 03 823 800 0 0 0 Loans and advances to customers without default 42 137 409 41 911 09 226 314 0 0 0 Standards loans and advances to customers 38 400 471 38 400 471 Watched loans and advances to customers 3 736 938 3 10 624 226 314 Loans and advances to customers with default 1 981 894 1 384 408 97 486 0 0 0 Non-standard loans and advances to customers 1 013 0 919 98 93 47 Doubtful loans and advances to customers 44 87 36 299 188 9 Loss loans and advances to customers 423 31 108 11 31 380 PUBLIC INFORMATION AS AT 31 ST December 2013 30

( 000 CZK) 30.6.2013 Gross amount Carrying amount Specific allowances for impairment Collective allowances for impairment without specific impairment Collective allowances for impair. created for negligible items Accumulate d loss from revaluation Loans and advance, total 49 312 909 48 02 730 810 179 0 0 0 Loans and advances to banks 3 201 427 3 201 427 0 0 0 0 Loans and advances to banks without default 3 201 427 3 201 427 0 0 0 0 Standards loans and advances to banks 3 201 427 3 201 427 Watched loans and advances to banks 0 Loans and advances to banks with default 0 0 0 0 0 0 Non-standard loans and advances to banks 0 Doubtful loans and advances to banks 0 Loss loans and advances to banks 0 Loans and advances to customers 46 111 482 4 301 303 810 179 0 0 0 Loans and advances to customers without default 44 27 983 44 01 724 206 29 0 0 0 Standards loans and advances to customers 40 79 892 40 79 892 Watched loans and advances to customers 3 678 091 3 471 832 206 29 Loans and advances to customers with default 1 83 499 1 249 79 603 920 0 0 0 Non-standard loans and advances to customers 861 069 766 689 94 379 Doubtful loans and advances to customers 66 413 376 279 190 134 Loss loans and advances to customers 426 017 106 611 319 406 ( 000 CZK) 31.3.2013 Gross amount Carrying amount Specific allowances for impairment Collective allowances for impairment without specific impairment Collective allowances for impair. created for negligible items Accumulate d loss from revaluation Loans and advance, total 42 674 84 42 022 077 62 777 0 0 0 Loans and advances to banks 1 17 968 1 17 968 0 0 0 0 Loans and advances to banks without default 1 17 968 1 17 968 0 0 0 0 Standards loans and advances to banks 1 17 968 1 17 968 0 0 0 0 Watched loans and advances to banks 0 0 0 0 0 0 Loans and advances to banks with default 0 0 0 0 0 0 Non-standard loans and advances to banks 0 0 0 0 0 0 Doubtful loans and advances to banks 0 0 0 0 0 0 Loss loans and advances to banks 0 0 0 0 0 0 Loans and advances to customers 41 16 886 40 04 109 62 777 0 0 0 Loans and advances to customers without default 39 26 314 39 18 761 70 3 0 0 0 Standards loans and advances to customers 36 31 918 36 31 918 0 0 0 0 Watched loans and advances to customers 2 940 396 2 869 843 70 3 0 0 0 Loans and advances to customers with default 1 900 72 1 318 348 82 224 0 0 0 Non-standard loans and advances to customers 82 67 766 039 86 63 0 0 0 Doubtful loans and advances to customers 62 622 374 063 188 9 0 0 0 Loss loans and advances to customers 48 276 178 246 307 029 0 0 0 PUBLIC INFORMATION AS AT 31 ST December 2013 31

( 000 CZK) 31.12.2012 Gross amount Carrying amount Specific allowances for impairment Collective allowances for impairment without specific impairment Collective allowances for impair. created for negligible items Accumulate d loss from revaluation Loans and advance, total 46 481 00 4 702 790 778 21 0 0 0 Loans and advances to banks 6 372 64 6 372 64 0 0 0 0 Loans and advances to banks without default 6 372 64 6 372 64 0 0 0 0 Standards loans and advances to banks 6 372 64 6 372 64 0 0 0 0 Watched loans and advances to banks 0 0 0 0 0 0 Loans and advances to banks with default 0 0 0 0 0 0 Non-standard loans and advances to banks 0 0 0 0 0 0 Doubtful loans and advances to banks 0 0 0 0 0 0 Loss loans and advances to banks 0 0 0 0 0 0 Loans and advances to customers 40 108 360 39 330 14 778 21 0 0 0 Loans and advances to customers without default 37 63 060 37 49 016 68 044 0 0 0 Standards loans and advances to customers 34 303 760 34 303 760 0 0 0 0 Watched loans and advances to customers 3 29 300 3 191 26 68 044 0 0 0 Loans and advances to customers with default 2 4 300 1 83 129 710 171 0 0 0 Non-standard loans and advances to customers 1 4 99 1 326 093 228 866 0 0 0 Doubtful loans and advances to customers 42 386 38 187 184 199 0 0 0 Loss loans and advances to customers 447 9 10 849 297 106 0 0 0 PUBLIC INFORMATION AS AT 31 ST December 2013 32

.9 Financial Assets Sorted by Impairment, Sectors and Classification ( 000 CZK) 31.12.2013 cost Gross amount Financial assets FV Impairment allowance cost Accumulated loss from revaluation FV Financial assets cost Carrying amount Financial assets FV 3 Receivables without depreciation 64 984 491 0 XX XX 64 984 491 0 9 Receivables with depreciation 3 66 712 0 1 11 812 0 2 13 900 0 ( 000 CZK) 30.92013 cost Gross amount Financial assets FV Impairment allowance cost Accumulated loss from revaluation FV Financial assets cost Carrying amount Financial assets FV 3 Receivables without depreciation 0 884 388 0 XX XX 0 884 388 0 9 Receivables with depreciation 2 79 106 0 824 93 0 1 934 172 0 ( 000 CZK) 30.6.2013 cost Gross amount Financial assets FV Impairment allowance cost Accumulated loss from revaluati on FV Financial assets cost Carrying amount Financial assets FV 3 Receivables without depreciation 49 840 7 0 XX XX 49 840 7 0 9 Receivables with depreciation 2 7 966 0 811 313 0 1 944 63 0 ( 000 CZK) 31.3.2013 cost Gross amount Financial assets FV Impairment allowance cost Accumulated loss from revaluation FV Financial assets cost Carrying amount 3 Receivables without depreciation 48 836 466 0 XX XX 48 836 466 0 9 Receivables with depreciation 1 00 443 0 63 926 0 846 17 0 Financial assets FV ( 000 CZK) 31.12.2012 cost Gross amount Financial assets FV Impairment allowance cost Accumulated loss from revaluation FV Financial assets cost Carrying amount 3 Receivables without depreciation 49 232 440 0 XX XX 49 232 440 0 Financial assets FV 9 Receivables with depreciation 2 227 17 0 782 62 0 2 313 206 0 PUBLIC INFORMATION AS AT 31 ST December 2013 33

.10. Information Regarding Debt Restructuring ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Restructured debts for the period prior impairment 0 0 0 0 0 Receivables amortised cost 0 0 0 0 14 80 Receivables fair value 0 0 0 0 0.11. Derivatives DERIVATIVES - TRADING (ASSETS) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Fair value 289 273 124 670 11 893 68 037 112 217 289 273 Nominal value 29 76 988 32 38 060 3 779 430 30 439 310 28 46 287 29 76 988 DERIVATIVES - TRADING (LIABILITIES) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Fair value 79 688 114 64 271 46 221 639 49 08 79 688 Nominal value 29 28 32 39 083 38 40 197 30 67 130 28 424 17 29 28 DERIVATIVES - HEDGING (ASSETS) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Fair value 8 208 10 603 10 61 0 4 929 8 208 Nominal value 9 114 391 3 629 42 4 322 000 0 160 701 9 114 391 DERIVATIVES - HEDGING (ASSETS) ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 31.12.2013 Fair value 18 049 88 111 367 109 982 32 34 18 049 Nominal value 9 626 177 3 693 08 4 411 00 6 948 482 186 798 9 626 177 PUBLIC INFORMATION AS AT 31 ST December 2013 34

.12 Ratios and Other Indicators (IFRS) 1. INFORMATION ABOUT CAPITAL ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Capital 1 13 839 633 8 089 314 7 387 63 7 421 944 6 729 200 Core capital (Tier 1) 2 12 419 64 6 800 988 6 390 06 6 429 71 71 23 Paid-up share capital entered in the commercial register 3 9 8 127 3 88 127 3 88 127 3 88 127 3 88 127 Own shares held 4 Share premium Reserves and retained earnings 6 2 626 728 2 626 728 2 626 728 2 626 728 1 98 826 Statutory reserve funds 7 14 868 14 868 14 868 108 903 108 903 Other funds created from profit 8 2 47 8 2 47 8 2 47 8 1 83 649 1 83 649 Retained earnings 9 Profit after tax 10 667 901 Accumulated losses from previous periods 11-3 72-3 72-3 72-3 72-3 72 Net fx differences from consolidation 12 22 661-126 1 44 317-36 Profit for the period 13 41 126 41 126 Loss for the period 14 Net profit from capitalizing future proceeds from securitization 1 Profit/loss from revaluating liabilities at FV due to credit risk 16 Other deductible items from core capital 17-203 077-98 866-96 244-601 -6 682 Goodwill 18 Intangible assets other than goodwill 19-101 888-70 679-82 - 601-6 682 Neg. valuation difference from FV changes of realized cap. instr. 20-101 190-28 188-40 662 Equities issued by a person with an interest in the bank 21 Hybrid instruments total 22 0 0 0 0 0 Hybrid instruments reflected up to the core capital 23 Hybrid instruments reflected up to 3% of the core capital 24 Hybrid instruments reflected up to 1% of the core capital 2 Supplementary capital (Tier 2) 26 1 420 068 1 288 326 997 79 992 373 977 96 Main supplementary capital 27 0 0 0 0 0 Surplus in covering expected credit losses with IRB 28 Excess of limits for hybrid instruments 29 Auxiliary supplementary capital 30 1 420 068 1 288 326 997 79 992 373 977 96 Subordinated debt A 31 1 420 068 1 288 326 997 79 992 373 977 96 Posit. valuation diff. from changes in FV of realized stocks and units 32 Deductible items from core and supplementary capital (Tier1+Tier2) 33 0 0 0 0 0 Capital investments over 10% in banks and other fin. institutions 34 Capital investments over 10% in insurance companies 3 Capital investments over 10% in institutions and fin. institutions 36 Signif. prudential adjustments in valuation at FV or modelling 37 Exposure from securitization with risk weight of 120% 38 Lack of coverage of expected credit losses with IRB 39 Excess of other than signif. prudential adjustments over subordinated debt B Deduction for free deliveries 41 Capital to cover market risk (Tier 3) 42 Subordinated debt B 43 Other than signif. prudential adjustments in valuation at FV or modelling 44 40 PUBLIC INFORMATION AS AT 31 ST December 2013 3

2. RATIOS ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Capital adequacy 17,09% 12,97% 12,2% 13,73% 12,90% Return on average assets (ROAA) 0,71% 0,90% 0,99% 0,9% 1,17% Return on average equity (ROAE) 9,26% 12,23% 13,3% 13,44% 18,33% Assets per employee ( 000) 268 63 233 021 22 008 229 176 216 07 General administrative expenses per employee ( 000) 3 010 2 91 2 78 2 714 2 681 Net profit per employee ( 000) 1 617 1 974 2 191 2 208 2 339 CAPITAL AND CAPITAL ADEQUACY ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 1 Total Capital Requirements 6 479 6 4 989 983 4 824 211 4 323 30 4 036 29 2 Cap. req. for credit risk total 76 908 4 22 786 4 02 327 3 721 363 3 628 140 3 Cap. req. for credit risk under SA total 76 908 4 22 786 4 02 327 3 721 363 3 628 140 4 Cap. req. for credit risk under SA for total exposure 76 908 4 22 786 4 02 327 3 721 363 3 628 140 Cap. req. under SA for exposure to central governments and banks 0 0 0 0 303 992 6 Cap. req. under SA for exposure to reg. governments and local auth. 7 Cap. req. under SA for exposure to public sector and other organizations 8 Cap. req. under SA for exposure to international development banks 9 Cap. req. under SA for exposure to international organizations 10 Cap. req. under SA for institutional exposures 764 738 724 161 298 266 207 482 2 174 602 11 Cap. req. under SA for corporate exposures 3 89 671 2 429 8 2 677 02 2 240 319 13 782 12 Cap. req. under SA for retail exposures 0 0 0 0 684 972 13 Cap. req. under SA for mortgage secured exposures 698 714 67 626 94 414 688 483 1 802 14 Cap. req. under SA for non-performing exposures 1 26 1 342 2 287 9 768 0 1 Cap. req. under SA for regulatory high-risk exposures 16 Cap. req. under SA for exposure to covered bonds 17 Cap. req. under SA for short-term inst. and corp. exposures 0 0 0 0 0 18 Cap. req. under SA for exposure to collective invest. funds 270 933 333 816 304 741 302 083 17 42 19 Cap. req. under SA for other exposures 12 32 106 27 17 94 273 229 273 448 20 Cap. req. for credit risk under SA within IRBA for total exposure 0 0 0 0 0 21 Cap. req. under SA within IRBA for exposure to central governments and banks 0 0 0 0 0 22 Cap. req. under SA within IRBA for institutional exposure 0 0 0 0 0 23 Cap. req. under SA within IRBA for corporate exposure 0 0 0 0 0 24 Cap. req. under SA within IRBA for retail exposure 0 0 0 0 0 2 Cap. req. under SA within IRBA for equity exposures 0 0 0 0 0 26 Cap. req. under SA within IRBA for other exposures 27 Cap. req. for credit risk under SA for securitization exposure 28 Cap. req. for credit risk under IRBA total 0 0 0 0 0 29 Cap. req. for credit risk under IRBA for selected exposures total 0 0 0 0 0 30 Cap. req. under IRBA for exposure to central governments and banks 0 0 0 0 0 31 Cap. req. under IRBA for institutional exposure 0 0 0 0 0 32 Cap. req. under IRBA for corporate exposure 0 0 0 0 0 33 Cap. req. under IRBA for retail exposure 0 0 0 0 0 34 Cap. req. for credit risk under IRBA for equity exposures 0 0 0 0 0 3 Cap. req. for credit risk under IRBA for securitization exposure 36 Cap. req. for credit risk under IRBA for other exposures 37 Cap. req. for settlement risk 38 Cap. req. for position, currency and commodity risks total 436 799 41 248 48 93 31 994 209 901 39 Cap. req. for market risk under SA total 436 799 41 248 48 93 31 994 209 901 40 Cap. req. under SA for interest rate risk 288 244 336 44 392 093 234 384 111 14 41 Cap. req. under SA for equity risk 16 66 6 610 12 728 16 832 6 291 42 Cap. req. under SA for currency risk 119 873 92 874 66 647 41 487 70 611 43 Cap. req. under SA for commodity risk 12 02 1 320 14 467 23 291 21 844 44 Cap. req. for market risk under the internal model approach 4 Cap. req. for operating risk total 28 949 28 949 28 949 28 949 198 218 PUBLIC INFORMATION AS AT 31 ST December 2013 36

46 Cap. req. for operating risk under BIA 28 949 28 949 28 949 28 949 198 218 47 Cap. req. for operating risk under TSA 48 Cap. req. for operating risk under ASA 49 Cap. req. for operating risk under AMA 0 0 0 0 0 0 Cap. req. for trading book risk 1 Cap. req. for other trading book instruments 2 Transitional cap. req. - match up to Basel I TRANSACTIONS VOLUMES EXECUTED WITHIN INVESTMENT SERVICES ( 000 CZK) 31.12.2013 30.9.2013 30.6.2013 31.3.2013 31.12.2012 Total volume of securities trading 21 842 730 170 842 931 197 63 634 13 463 913 179 41 047 Trading for clients 194 636 479 11 29 963 161 263 032 140 269 261 19 36 963 Trading for clients as part of assets management 4 482 783 4 06 414 272 602 3 011 44 4 206 973 Investment securities - shares and similar 3 118 89 1 803 20 2 60 299 1 983 173 2 714 729 Investment securities - bonds and similar 816 703 2 13 619 2 81 17 771 291 1 360 274 Investment securities - other 0 0 0 0 0 Collective investment securities 47 221 117 4 131 146 26 990 131 970 Money market instruments 0 0 0 0 0 Other trading for clients 190 13 696 147 203 49 1 990 430 137 27 807 1 18 990 Investment securities - shares and similar 161 936 686 13 079 770 139 249 267 124 13 32 13 232 24 Investment securities - bonds and similar 27 110 961 12 006 02 1 807 432 12 10 391 19 160 322 Investment securities - other 0 0 0 0 0 Collective investment securities 1 104 117 727 933 731 998 884 766 414 Money market instruments 1 494 0 0 0 0 Trading on own account 21 206 21 19 82 968 36 300 602 13 194 62 20 08 084 Investment securities - shares and similar 1 71 704 6 199 323 6 618 272 3 02 988 2 699 703 Investment securities - bonds and similar 18 423 923 12 149 92 29 63 87 7 749 729 17 363 44 Investment securities - other 0 0 0 0 0 Collective investment securities 1 030 624 1 234 03 118 743 1 941 93 21 936 Money market instruments 0 0 0 0 0 Total volume of derivatives trading 196 349 811 122 181 741 141 82 238 143 91 216 142 170 18 Trading for clients 3 149 417 3 101 002 3 006 618 3 42 213 7 624 169 Trading for clients as part of assets management 1 449 162 984 167 627 337 849 1 64 741 Equity derivatives 0 0 0 0 0 Interest rate derivatives 0 0 0 0 0 Currency derivatives 0 0 0 0 0 Commodity derivatives 1 449 162 984 167 627 337 849 1 64 741 Credit derivatives 0 0 0 0 0 Other derivatives 0 0 0 0 0 Trading for clients 1 700 2 2 116 83 2 379 281 2 7 698 6 978 428 Equity derivatives 4 384 17 324 41 014 20 802 122 413 Interest rate derivatives 0 0 0 0 0 Currency derivatives 1 69 871 2 086 212 1 4 817 1 888 06 6 790 910 Commodity derivatives 0 13 299 882 40 666 831 6 10 Credit derivatives 0 0 0 0 0 Other derivatives 0 0 0 0 0 Trading on own account 193 200 394 119 080 739 138 84 620 140 166 003 134 4 989 Equity derivatives 0 0 0 0 0 Interest rate derivatives 0 0 0 0 0 Currency derivatives 193 184 088 119 061 47 138 841 022 140 101 238 134 061 963 Commodity derivatives 16 306 19 264 4 98 64 76 484 026 Credit derivatives 0 0 0 0 0 Other derivatives 0 0 0 0 0 PUBLIC INFORMATION AS AT 31 ST December 2013 37

.13 Summary Information Risk Management Strategy, Procedures and Approaches The primary objective of risk management is maximizing revenues in relation to the risk exposure while taking the bank s risk appetite into consideration. In doing so, it must be ensured that the results of the bank s activities, which include exposure to risk, be predictable and consistent with the bank s business goals and risk appetite. While trying to achieve this objective, the bank identifies and professionally and prudentially manages the risks to which it is exposed, all that while covering selected risks using its internal capital. As part of this effort, risks are monitored, measured and, if required, limited even beyond the risk limits required by the regulatory body. Internal limits are reviewed regularly and also ad hoc when the market conditions significantly change so that the limits correspond to the bank s overall strategy as well as the market and credit conditions. The observance of the set limits is monitored and reported on a daily basis. Should the limits be exceptionally exceeded, the bank will without delay adopt adequate measures to ensure remedy. In terms of internal capital adequacy, the bank sets targets it wants to achieve in the defined time horizon (i.e., to what extent the risks should be covered with internal capital) and the limits under which internal capital adequacy should never drop. Any and all internal limits are approved within the bank independently of the trading and dealing departments. Credit Risk - Investment portfolio credit risk - Trading portfolio credit risk Specific interest risk Counter-party risk The bank quantifies its accepted exposure to the above credit risks using its internal rating system. The credit risk assessment is based on the IRB functional dependency at the confidence interval of 99.9%. Specific equity risk This risk is assessed using the VAR methodology. Credit exposure to counter-parties or issuers faced by the bank based on defined transaction types is limited by means of the bank s internal limits. - Concentration risk In terms of major concentration of exposure to a single person or group of affiliated persons, the bank: - Regularly assesses and updates a list of affiliated debtors and also monitors the bank s exposure to them; - Uses internally defined credit limits on counter-parties as well as groups of affiliated debtors; - Uses internal limits to control its exposure resulting from the bank s activities when reducing the credit risk, originating as exposure to one type of collateral or as the credit risk of a single counter-party granting credit security. In terms of significant concentration of exposure to a group of persons, where the likelihood of their default is influenced by a common risk factor, the bank annually assesses its exposure primarily in respect of geographical areas. - Residual risk The bank uses in particular the following tools to reduce its credit risk: - Interbank deposits based on standard debt offset agreements - Loans from repo transactions with CNB and other counter-parties are secured with creditworthy assets. With client transactions, the bank monitors the size and scope of the collateral received, the credit granted and their ratio, structured by specific stock names, and assesses the adequacy of aggregate security on credit from repo transactions. - (Classic) Loans are secured preferably with quickly liquid assets, such as cash on deposit accounts, securities, bills of exchange and promissory notes and, if applicable, lucrative residential or commercial property. - If a client fails to deliver a currency to the bank based on a currency forward contract or swap and falls in default, the bank may close the position, set it off and settle any potential outstanding receivable from the client based on this transaction using the collateral deposited or, if relevant, from any other of the bank s payables to the client. - Risk of settlement and risk of free deliveries In order to minimize the risk, the member-bank specifies contractual parties approved to negotiate trades with. The crucial part of trades is particularly settled on accounts of the Parties held with members - banks. Most of traded securities are settled in DVP mode, i. e. without the risk of settlement. To assess the impacts of extremely adverse credit conditions on its portfolio, the bank analyses credit shock impacts. PUBLIC INFORMATION AS AT 31 ST December 2013 38

The scope of credit risk exposure is reported daily except for the monthly reported scope of exposure to investment portfolio credit risk. The scope of credit risk exposure is analysed by Risk Management. When the internal limits are exceeded, then in line with the bank s internal guidelines, Risk Management informs Financial Markets, and this department ensures that the particular risk exposure is reduced below the applicable limit. In pre-defined cases, Risk Management also informs the Board of Directors. Credit risk arising from specific credit transactions is analysed by Credit Risk Management. The scope of risk exposure according to Pillar 1 and exposure in particular to geographical areas is assessed by the Finance Department. Within the competencies defined by the bank s internal guidelines, decision-making powers rest with the Board of Directors and the Investment Committee. Risk of credit valuation adjustments The bank quantifies the risk of credit valuation adjustments under Pillar I using the standardized approach, except that the exposure parameter is estimated using bank s own model Market Risk - Trading portfolio market risk, currency and commodity positions This risk is assessed in particular using the VAR methodology at the 99% confidence interval in a horizon of 10 business days. During the assessment, the bank considers the relevant environment characteristics, i.e., interest rates of particular currencies, exchange rates, and stock and commodity prices. The method makes it possible not only to set a limit for the overall risk exposure (including limit aggregation or disaggregation) but also to define corresponding exposure volume limits. The interest rate portfolio risk distribution over time zones is assessed using the Present Value Basis Point (PVBP), separately for each currency. The bank daily compares its prior estimates of risk exposure with the actual data by means of back-testing. In order to assess the impacts of extremely adverse market conditions on the portfolio, the bank performs stress tests. These tests simulate potential sudden changes in the value of open positions in the portfolio that are exposed to market risk and which might result from very unlikely yet possible events. The tested scenarios are prepared to encompass not only the currency, commodity and general risks of the trading portfolio but also its specific equity risk. The bank uses short-, medium- and long-term historical scenarios. Market risk diversification is reflected in the VAR calculation as well as in the stress tests. The scope of risk exposure is reported daily. - Investment portfolio interest rate risk This risk is assessed using a stress scenario of a standardized interest rate shock, i.e., a sudden drop / growth of interest rates by 200 bp. As part of this scenario, all yield curves (i.e. in all maturity intervals used) for a given country (currency) are shifted in parallel in both directions (when moving the yield curve downward, a rule is applied that the yield curve should not drop below zero). Subsequently, the portfolio value is recalculated and the extent of the portfolio value reduction in this scenario is assessed, all that structured by currencies. As at 31 st December 2012, the result of this scenario is shown by the following table: Investment portfolio value reduction induced by a potential standardized interest rate shock Currency USD GBP EUR CHF CZK RUB AUD drop (mil. CZK) -44,2-0,9-980,2 0,1 400,6 0,0 0,4 Apart from that, the interest rate risk of securities and their derivatives in the investment portfolio is additionally assessed using the VAR methodology at the 99% confidence interval and a horizon of 10 business days. The scope of the interest rate risk exposure is reported on a monthly basis. - Investment portfolio equity risk Equities are included in the portfolio based on decisions made by the Board of Directors. The bank evaluates the equity risk of securities and their derivatives in the investment portfolio using the VAR methodology at the 99% confidence interval and a horizon of 10 business days. To reduce market risks, the bank uses in particular the following tools: - The bank secures itself against the interest rate risk using its standard liquidity management process - The bank secures itself against foreign currency and equity risk by currency or equity derivatives. The scope of risk exposure is analysed by Risk Management. When the internal limits are exceeded, then in line with the bank s PUBLIC INFORMATION AS AT 31 ST December 2013 39

internal guidelines, Risk Management informs Financial Markets, and this department ensures that the particular risk exposure is reduced below the applicable limit. In pre-defined cases, Risk Management also informs the Board of Directors. The scope of risk exposure according to Pillar 1 is assessed by the Finance Department. Within the competencies defined by the bank s internal guidelines, decision-making powers rest with the Board of Directors and the Investment Committee. Liquidity Risk In order to prevent the liquidity risk, the bank optimizes its cash flows in both the short-term and long-term horizon. In doing so, the cash flow and the asset structure are managed so as to minimize the risk of liquidity loss, i.e., to ensure that the bank is at any time able to cover its needs arising from the bank clients payment orders and the settlement of trading transactions on the bank s account. The bank uses a system of liquidity risk management that structures the various instrument balances by time to maturity (distribution over time zones), by instrument currency and by instrument type. To manage its liquidity risk, the bank prepares three types of scenarios: (a) The expected scenario that reflects the expected development of the bank. (b) A risk scenario that reflects a risky development of the bank, i.e. a development worse than expected. (c) Stress scenarios. These scenarios are based on the risk scenario and include assumptions of a very unlikely yet possible stress development of receivables and payables beyond the scope of the risk scenario. In order to maintain an optimum volume of liquid assets and sufficiently liquid reserves and in accordance with the liquidity management requirements defined by the Czech National Bank and the National Bank of Slovakia, the bank defines a system of indicators and limits to ensure that the required level of liquidity is maintained. The bank has an emergency plan in place for liquidity management, which defines the steps to be taken if a temporary lack of liquidity occurs and when a liquidity crisis occurs (an unforeseeable outflow of its primary sources of capital). Operational Risk The bank fulfils the objective of operational risk management, i.e., minimizing its operational risk while guaranteeing the level of activities required by the bank, primarily by means of control systems, which are applied by every manager of the bank within his/her managerial powers. The basic elements of active operational risk management include a map of the bank s operational risks and a database of operational risk incidents experienced by the bank. The operational risk map is used by department directors to record identified operational risks; the map then gives a comprehensive overview, aggregated at relevant levels, of the operational risk exposure. Among other things, this overview allows the bank to define the direction a process should follow without further reducing this risk (i.e., focus primarily on the quality of environment with the risks that have been found to pose a threat of the greatest losses), and also to decide whether: - the particular risk exposure will be accepted; - it will initiate processes aimed to limit the potential impacts, and - it will reduce the scope or completely terminate the given activity. The database of operational risk incidents gives the bank feedback on the map of operational risks. For the sake of timely signalling of the potential significance of operational risk, the bank uses the KRI indicators. The bank has emergency plans to solve relevant operational risk crisis scenarios. The bank s Risk Management department coordinates operational risk management and keeps the map of operational risks and the database of operational risk incidents. The scope of risk exposure according to Pillar 1 is assessed by the Finance Department. Within the competencies defined by the bank s internal guidelines, decision-making powers rest with the Board of Directors and the Investment Committee. The scope of risk exposure according to Pillar 1 is assessed by the Finance Department using the BIA approach. Within the competencies defined by the bank s internal guidelines, decision-making powers rest with the Board of Directors and the Executive Committee. PUBLIC INFORMATION AS AT 31 ST December 2013 40

Summary on the Approach to Internally Defined and Maintained Capital Adequacy: The key objective of capital management is to ensure that the bank s exposure to financial risks does not jeopardize the regulatory limit of capital adequacy. As part of the bank s strategy and to reflect its risk appetite, the Board of Directors defines mid-term target value for the capital adequacy range as well as the minimum required capital adequacy. The bank: - identifies risks that are significant in relation to the bank and defines a corresponding internal capital adequacy; - assesses internal capital sources. The Board of Directors regularly monitors the current level of market and credit risks as well as other risks to which the bank is exposed and, based on assessing the current situation, it adopts such measures in the bank s activities that aim to fulfil the risk management objective, i.e., to optimize the risk exposure level in relation to the bank s capital and the set business goals. In order to ensure that this objective is fulfilled, the Board of Directors may, based on its own assessment, set additional limits on risk exposures, but always only above the scope of the regulatory requirements. In order to: (a) (b) set and continuously assess the internally defined capital adequacy and to plan and continuously maintain internally defined capital sources, the bank uses quantitative and qualitative inputs, approaches and methods including its own expert analyses, estimates and scenarios corresponding to the nature, scope and complexity of activities performed within the bank and the related risks. The bank uses the following basic approaches to the internal process of capital adequacy management: Qualitative approach, Quantitative approach with no direct impacts on capital, Quantitative approach with direct impacts on capital. Within the system of internally defined capital adequacy, the bank sets up processes and prepares and analyses scenarios so as to assess and reflect: (a) Processes of planning, preparing and approving new activities, products or systems; (b) (c) Any and all other major on-going or expected changes and factors in the risk profile or in the external environment; Effects of potential deviations from the expected development including the effects of potential extraordinary circumstances; (d) Stress test results; all that including the methods of reflecting them in the planning and procurement of internally defined capital sources. Periods of time for which the bank plans and then maintains it s internally defined capital adequacy: For the short term, usually a year. Based on available relevant information and in line with the current phase of the bank s business expansion. Should the capital adequacy drop below the set minimum limit, then immediately for the given period. The bank allocates its internally defined capital to the significant risk exposures in the scope of the internally defined capital needs. Additional information on credit risk from repo transactions, securities or commodities lent or borrowed, derivatives, transactions with longer settlement times and margin trades, in the case of the trading portfolio the counter-party risk stems from the following transactions: Summary on the approach to assessing internally defined capital adequacy for the counter-party risk and credit limits for exposure to counter-parties: The bank s quantitative approach with no direct impact on capital is based on its internal rating system; internally defined capital is assessed using the IRB functional dependency. Under the quantitative approach with direct impacts on the internally defined capital, the bank considers the capital needs determined using a standardized approach. This is a robust method; nevertheless, in order to ensure that the risk is not underestimated, the internally defined capital need established in this manner is increased in an extent defined by the Board of Directors. The counter-party exposure in the trading portfolio is limited together with exposures to the same counter-party arising from other types of transactions with the counter-party using internal limits. The consistency of the exposure and the limit defined is assessed and PUBLIC INFORMATION AS AT 31 ST December 2013 41

reported daily. Summary on the principles applied to the collateral accepted in these transactions and potential requirements for the collateral to exceed the exposure value: The collateral accepted by the bank for relevant transactions has the form of creditworthy assets approved for trading within the trading portfolio. As part of risk management, the bank defines collateral surplus requirements in respect of the relevant parameters of the collateral and the transaction. Summary on the principles applied to exposures from these transactions with a risk of positive correlation: These transactions are approved on a case-by-case basis by the Board of Directors. Comprehensive information on the impact on the amount of collateral impairment rating: The Bank performs stress testing collateral collateralized transactions, which also reflects a deterioration rating. PUBLIC INFORMATION AS AT 31 ST December 2013 42

ANNUAL REPORT 6 The Annual Report 2012 is available in the residence of J&T BANKA, a.s., Pobřežní 14, Prague 186 00 or can be found on website of J&T BANKA (www.jtbank.cz). PUBLIC INFORMATION AS AT 31 ST December 2013 43

CORRESPONDENT BANKS 7 ING Belgium SA/NV Brussels, Belgium SWIFT: BBRU BE BB Currency: EUR UBS AG Zurich, Switzerland SWIFT: UBSW CH ZH 80A Currency: CHF Československá obchodní banka, a. s. Praha, Czech Republic SWIFT: CEKO CZ PP Currency: CZK, EUR, GBP, USD, HUF, PLN Deutsche Bank Trust Company Americas New York, USA SWIFT: BKTR US 33 Currency: USD ING Bank N. V. Praha, Czech Republic SWIFT: INGB CZ PP Currency: CZK, EUR, CHF, GBP, RUB, USD, HUF, PLN, CAD, AUD, SEK UniCredit Bank Slovakia, a. s. Bratislava, Slovak Republic SWIFT: UNCR SK BX Currency: EUR Poštová banka, a. s. Bratislava, Slovak Republic SWIFT: POBN SK BA Currency: EUR UniCredit Bank Czech Republic, a. s. Praha, Czech Republic SWIFT: BACX CZ PP Currency: CZK, EUR, USD J&T Bank (ZAO) Moscow, Russian Federation SWIFT: TRRY RU MM Currency: RUB PUBLIC INFORMATION AS AT 31 ST December 2013 44

CONTACTS CZECH REPUBLIC Pobřežní 14 186 00 Praha 8 J&T BANKA, a. s. Phone: +420 221 710 111 Fax: +420 221 710 211 E-mail: info@jtbank.cz www.jtbank.cz SLOVAK REPUBLIC Dvořákovo nábrežie 8 Bratislava 811 02 J&T BANKA, a. s., branch of foreign bank Phone: +421 2 941 8111 Fax: +421 2 941 811 www.jt-bank.sk PUBLIC INFORMATION AS AT 31 ST December 2013 4