P_L by Segments - BRE Bank

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P_L by Segments - BRE Bank Powered By Docstoc
					Contents
                            Loan portfolio quality
BRE Bank Group              Basic ratios (ROA, ROE, C/I, CAR, NIM)


P&L by Segments             P&L of BRE Group by Segments

                            Data on mBank i Multibank (number of customers and accounts, retail loans and
Retail Banking              deposits, branch network etc.)

Trading & Investment        Value of proprietary investments:
Activity                    at cost and balance-sheet value

                            Number of customers (by customers' segment K1, K2, K3), corporate customers'
Corporates & Institutions   loans and deposits

                            Data on pension fund (PTE Skarbiec-Emerytura) and on Skarbiec Asset
Asset Management            Management Holding - SAMH (sold at the beginning of 2007)

BRE Bank Group:
Main Subsidiaries           Basic financial and market data on the main subsidiaries of BRE Bank Group
cumulative data as at the end of quarter                                     Q1 2005      Q2 2005      Q3 2005      Q4 2005      Q1 2006      Q2 2006      Q3 2006      Q4 2006      Q1 2007      Q2 2007      Q3 2007      Q4 2007         Q1 2008      Q2 2008      Q3 2008      Q4 2008         Q1 2009      Q2 2009         Q3 2009         Q4 2009         Q1 2010         Q2 2010         Q3 2010         Q4 2010         Q1 2011         Q2 2011         Q3 2011         Q4 2011         Q1 2012

             Bank/Group

Loan portfolio quality
          Impaired loan ratio of BRE Bank Group                         %                                                                                                                                                             2.3                                                    2.2                          3.4                             4.7                             5.3             6.0             5.3             5.6             5.0             5.3             4.6             5.0

             NPL ratio of BRE Bank (according to NBP)                   %                                                                                                                                                                                                                                                 3.0             4.1             4.6             5.2          5.5             5.9             5.9             6.1             5.0             4.9                4.9          5.2
                                                Corporate portfolio                                                                                                                                                                                                                                                       5.5             7.9             8.7             9.8         11.2            11.9            11.8            11.4            10.8            10.9                9.6         10.0
                                                    Retail portfolio                                                                                                                                                                                                                                                      1.7             2.0             2.4             2.8          2.9             3.2             3.3             3.6             2.3             2.3                2.6          2.7

Employment (FTE, at the end of period)
        BRE Group (incl. BRE Bank)                                     FTE                                               4,295        4,404        4,527        4,652        4,801        4,723        4,976        5,195        5,426           5,618        5,840        6,010        6,133           5,836        5,641           5,641           5,566           5,754           5,847           5,894           6,018           6,143           6,252           6,191           6,295           6,211

BRE Group's Ratios
         ROAE (pre tax)                                                 %         18.27        21.73        19.83         18.4        20.90        23.60        25.24         26.9         45.8        40.72         37.8        35.87          52.02         42.90        38.90        30.83            10.4          0.8            4.21            5.14           14.69              14           15.34           15.60           17.96           20.64           21.08           21.00           20.34
         ROAE (net)                                                     %         14.32        16.88        15.43         14.6        16.21        18.42        20.32         20.8         35.5         32.2         29.8        28.09          44.32         39.70        34.70        27.41             7.6          0.5             2.9            3.21           11.42            10.8           11.77           11.82            13.6           15.87           16.44            16.4           16.34
         ROAA (net)                                                     %          0.83         0.95         0.88          0.8         0.97         1.01         1.15          1.1          2.1         1.84          1.8         1.51           2.51          2.10         1.80          1.3             0.4         0.03            0.15             0.2             0.6            0.58            0.74            0.77            1.07            1.26            1.28             1.3            1.41
         C/I                                                            %         71.73        69.77        67.86         69.3        66.05        64.74        64.02         63.7           49         53.4         53.7        55.54          44.15         48.30        49.70         55.1            53.4         52.1            51.5            54.2            51.4            51.2           50.99           51.76            48.5            47.9            47.3            47.7            42.8
         CAR/Solvency ratio                                             %         11.89        10.97        10.34         11.1        11.23        10.39         9.95        10.39        10.86        10.44        10.26        10.16           9.48          9.23        10.51        10.04           10.26        11.08           11.38           11.50           12.17           12.01           15.89           15.90           16.20           16.08           15.76           14.96           16.93
         NIM*                                                           %           1.8          1.9          1.8         2.19         2.20         2.05         2.09          2.1         2.28          2.3          2.3          2.3            2.4           2.3          2.4          2.3             2.2          2.3             2.3             2.3             2.0             2.1             2.1            2.21             2.4             2.5             2.5             2.5             2.4

BRE Bank's Ratios
          ROAE (pre tax)                                                %         14.28        19.32         16.6        14.30        15.55        15.43        17.81         20.3         48.8        43.50         37.6        32.83          48.93         47.61        41.78        31.10             9.9          1.1            2.60            2.70           10.70           10.50           11.79           13.24           17.15           20.45           21.13           20.50           17.86
          ROAE (net)                                                    %         11.45        15.72        15.42        11.90        12.53        12.12        14.87         16.2         39.3        36.02         30.7        26.53         42.700         45.17        38.18        28.61             7.6          1.3            1.90            1.60            8.20            8.10            9.02           10.05           13.71           16.31           16.88           16.30           14.30
          ROAA (net)                                                    %          0.69         0.91          0.8         0.70         0.80         0.71         0.89          0.9          2.4         2.13          2.2         1.49           2.48          2.51         2.06          1.4             0.4          0.1            0.10             0.1             0.4             0.4            0.57            0.66            1.09            1.30            1.33             1.3            1.23
          C/I                                                           %         73.47        69.72         68.9        71.30        68.03        69.54        67.59         65.8         44.9        48.16         50.3        54.32          41.93         42.35        44.86         52.3            50.8         48.2            49.1            53.0            50.0            49.4            49.9            50.3            45.9            44.7            44.0            45.1           41.81
          CAR/Solvency ratio                                            %         13.68        13.03        12.37        12.87        12.67        11.62        10.69        11.07         11.5        10.95        11.02        10.65          10.07          9.41        11.12        10.04           10.18        11.08           11.60           11.73           12.50           11.80           16.92           16.91           17.08           16.78           16.21           15.30           17.37

Remarks
             *since YE 2005 - calculated as interest income to
     *       interest assets



             the ratios calculated both for continued and
             discontinued activities


             C/I ratio recalculated since Q1'11 - adjusted
             to reflect new presentation of operating
bold         leasing
                                                                                                                                                                                                                                                                                                                                                        Q1 2008              Q2 2009               Q3 2009               Q4 2008
cumulative data as at the end of quarter                                                 Q1 2005         Q2 2005         Q3 2005         Q4 2005        Q1 2006         Q2 2006        Q3 2006        Q4 2006        Q1 2007         Q2 2007         Q3 2007         Q4 2007       Q1 2008         Q2 2008      Q3 2008      Q4 2008                    (adjusted)           (adjusted)            (adjusted)            (adjusted)           Q1 2009             Q2 2009            Q3 2009          Q4 2009         Q1 2010         Q2 2010          Q3 2010*         Q4 2010        Q1 2011        Q2 2011        Q3 2011        Q4 2011        Q1 2012

              P&L by Segments

Retail Banking (incl. Private Banking)
              Net interest income                                             PLN '000      43,152          96,632         148,719         222,421         61,607         129,823        208,138        291,587         92,159         195,982         308,760         431,516       139,709         300,766      478,260      680,076                        140,243               301,710               480,090              680,076             244,438             491,811          721,522           955,375       226,791         480,921         761,079          1,048,413       292,409        625,491        970,749 1,321,427             304,817
                                                  sales to external clients   PLN '000      -24,998         -37,490         -41,511         -36,232         11,578          34,081          66822         113759          57961          135480          229814         327,355        90,673         176,480      268,629      394,932                          91,207              177,424                270,459             394,932                 145,180         312,620          456,987           591,869        92,115         215,874          373,379           546,016       178,876        394,591        613,473        835,267        187,052
                                                  sales to other segments     PLN '000       68,150         134,122         190,230         258,653         50,029          95,742        141,316        177,828          34198           60502           78946         104,161        49,036         124,286      209,631      285,144                          49,036              124,286                209,631             285,144                  99,258         179,191          264,535           363,506       134,676         265,047          387,700           502,397       113,533        230,900        357,276        486,160        117,765
                                                                                                                                                                                                                                                                                                                                       Starting from
              Net fee and commission income                                   PLN '000       7,862          19,479          33,649          48,183         15,112          31,000         59,339        102,618         48,790          98,143         145,210         189,977        53,526         115,821      175,293     163,040                           42,934               92,201               138,568              163,040              22,989              68,118          130,519           173,585        67,293         134,033         222,493            311,427        92,524        200,182        311,641        417,551        117,612
                                                                                                                                                                                                                                                                                                                                       January 1,
                                                  sales to external clients   PLN '000        8,031          19,857          34,250          48,990         15,359          31,595         60,281        103,715          49244           99254          147109         192,706        54,428         117,726      178,162     167,036 2009, as a                43,836                   94,106            141,437             167,036                  24,020             70,325       133,834           178,018        68,236         135,840          225,298           315,033        92,893        201,208        313,450        420,280        119,422
                                                  sales to other segments     PLN '000         -169            -378            -601            -808           -247            -595           -942         -1,097           -454           -1111           -1899          -2,729          -902          -1,905       -2,869      -3,996 result of                      -902                -1,905                -2,869            -3,996                 -1,031             -2,207         -3,315           -4,433          -943          -1,807            -2,805            -3,606         -369         -1,026         -1,809         -2,729         -1,810
                                                                                                                                                                                                                                                                                                                                       organization
              Gross profit / (loss) of the segment                            PLN '000             30        8,601         18,312          19,110         11,121          22,613         65,933        114,799         69,263         126,722         197,668         227,507        76,047         174,786      276,159      241,510 changes                  68,222              154,922                250,206             241,510               74,017            135,525          208,252           216,253       108,975         190,289          341,302            455,642      186,256        503,341        738,840        973,921        227,278
                                                                                                                                                                                                                                                                                                                                       operations of
Corporate Banking                                                                                                                                                                                                                                                                                                                      Garbary Sp. z
                                                                                                                                                                                                                                                                                                                                       o.o. and Tele-
              Net interest income                                             PLN '000      69,461         154,689         227,470         303,034         81,927         172,028        275,435        368,256                                                                                                                        Tech
                                                                                                                                                                                                                                                                                                                                       Investment Sp.
                                                  sales to external clients   PLN '000      112,314         131,764         332,274         449,145        104,752         209,035        336,220        455,018
                                                                                                                                                                                                                                                                                                                                       z o.o. have
                                                  sales to other segments     PLN '000      -42,852         -77,075        -104,804        -146,111        -22,825         -37,007        -60,785        -86,762 From Q1 2007 results of Corporate Banking are                                                                         been
                                                                                                                                                                                                                 presented for Corporates and Financial Markets                                                                        reclassified
              Net fee and commission income                                   PLN '000      67,696         131,046         203,404         273,652         65,221         131,251        188,462        274,480  (Corporates and Institutions)
                                                                                                                                                                                                                                                                                                                                       from the sub-
                                                  sales to external clients   PLN '000       63,821         123,417         192,393         259,300         61,945         124,117        188,386        259,190                                                                                                                       segment
                                                                                                                                                                                                                                                                                                                                       Trading and
                                                  sales to other segments     PLN '000        3,875           7,629          11,011          14,352          3,276           7,134         11,076         15,290
                                                                                                                                                                                                                                                                                                                                       Investment
              Gross profit / (loss) of the segment                            PLN '000     46,083         117,398         146,805         175,034         37,672          89,322        153,967        232,982                                                                                                                         Activity to
                                                                                                                                                                                                                                                                                                                                       Corporates
                                                                                                                                                                                                                                                                                                                                       and
Investment Banking                                                                                                                                                                                                                                                                                                                     Institutions.

              Net interest income                                             PLN '000      59,277         107,902         150,278         161,050         32,408          42,647         61,535         91,380
                                                  sales to external clients   PLN '000       77,183         149,838         215,363         247,725         54,882          88,880        123,424        157,765
                                                  sales to other segments     PLN '000      -17,905         -41,936         -65,085         -86,675        -22,473         -46,233        -61,889        -66,385

              Net fee and commission income                                   PLN '000       5,195           7,307          11,307          16,215         10,509          23,090         30,718         40,852  From Q1 2007 results of Investment banking are
                                                  sales to external clients   PLN '000        8,893          14,456          21,717          29,776         13,537          29,624         40,847         55,040 presented for Corporates and Financial Markets
                                                                                                                                                                                                                 (Trading and Investment Activity)
                                                  sales to other segments     PLN '000       -3,698          -7,149         -10,410         -13,562         -3,028          -6,534        -10,129        -14,188

              Gross profit / (loss) of the segment                            PLN '000     52,349          83,665         117,146         199,193         58,452         116,967        166,743        215,927
              Contribution of profit / (loss)
              sharing in associated companies (before tax)                    PLN '000              -2              -3        -260                 -7                                        -112
Corporates and Financial Markets (Corporates and Institutions)
          Net interest income                             PLN '000                                                                                         98,110         206,058        319,912        433,224        117,874         253,221         401,670         556,947       160,764         316,635      484,249      654,209                        159,869               315,396               482,705              652,320             162,613             350,734          531,224           714,400       178,117         366,499          468,165           632,199       152,065        329,685        495,828        614,954        173,601
                                                  sales to external clients   PLN '000                                                                     131,079         268,800        417,140        556,091        132,635         287,906         457,593         633,704       183,951         372,459      577,525      757,570                         187,511             380,086                 588,864             772,689                 162,200         356,783          538,531           727,399       187,480         364,208          648,559           871,219       212,216        463,132        718,645        941,159        124,472
                                                  sales to other segments     PLN '000                                                                     -32,969         -62,742        -97,228       -122,867        -14,761         -34,685         -55,923         -76,757       -23,187         -55,824      -93,276     -103,361                         -27,642             -64,690                -106,159             -120,369                   413              -6,049         -7,307          -12,999        -9,363           2,291         -180,394           -239,020      -60,151       -133,447       -222,817       -326,205         49,129

              Net fee and commission income                                   PLN '000                                                                     80,875         162,878        244,480        335,370         99,320         199,441         295,563         392,592        97,265         189,591      276,787      375,728                          97,307              189,651               277,281              376,225              92,090             194,283          292,497           395,035        98,463         198,361          238,156           318,820        88,315        165,563        242,194        321,226         88,232
                                                  sales to external clients   PLN '000                                                                      77,588         155,726        233,382        320,057         95,039         190,616         282,377         374,271        91,970         178,340      259,529      353,060                          92,016              178,404                260,027             353,561                  88,300         186,705          281,678           381,025        95,775         191,996          230,724           308,473        85,579        159,112        231,602        306,132         82,490
                                                  sales to other segments     PLN '000                                                                       3,287           7,152         11,098         15,313          4,281           8,825          13,186          18,321         5,295          11,251       17,258       22,668                              5,291                11,247                17,254            22,664                  3,790              7,578        10,819            14,010         2,688           6,365            7,432            10,347         2,736          6,451         10,592         15,094          5,742
              Gross profit / (loss) of the segment                            PLN '000                                                                    54,966         147,079        223,587        325,689         95,312         230,633         349,999         444,811       147,166         251,434      385,220      355,729                        143,646               246,921                378,905             342,628              -42,423           -259,092         -276,800          -215,916        23,030          65,454            98,041          180,790        56,231         95,300        186,890        264,798        121,161

Corporates and Financial Markets (Trading and Investment Activity)
          Net interest income                            PLN '000                                                                                          15,941           7,788         15,736         24,280         21,118          27,758          38,834          63,964        21,468          38,937       67,499       92,598                          22,363               40,176                 69,042              94,488                  -9,650           -7,249           -4,547           -1,949       -12,148        (16,976)           85,829           140,447        64,981         99,958        140,389        246,878         63,714
                                                  sales to external clients   PLN '000                                                                      27,979          28,288         41,146         54,482         36,579          45,274          49,014          73,846        42,133          97,161      167,084      250,845                          38,573              89,534                 155,744             235,726                  89,781         165,283          251,720           347,244       112,641         249,260          291,155           401,349       117,083        194,809        270,651        401,052        229,655
                                                  sales to other segments     PLN '000                                                                     -12,038         -20,500        -25,410        -30,202        -15,461         -17,516         -10,180          -9,882       -20,665         -58,224      -99,585     -158,247                         -16,210             -49,358                 -86,702             -141,238                -99,431         -172,532         -256,267         -349,193      -124,789        -266,236         -205,326           -260,902      -52,102        -94,851       -130,262       -154,174       -165,941

              Net fee and commission income                                   PLN '000                                                                     -5,253          -8,881        -14,870        -20,817         -4,887          -7,935         -11,703         -17,400        -6,221         -11,875      -17,365      -23,199                          -6,264              -11,935                -17,859             -23,696                  -3,076           -5,015           -7,487           -9,674          -174          -2,057           59,297            84,587        18,457         41,837         65,341         82,667         10,804
                                                  sales to external clients   PLN '000                                                                      -2,214          -2,327         -4,716         -6,603         -1,060            -221            -416          -1,808        -1,828          -2,529       -2,976       -4,572                          -1,875                   -2,593                -3,474            -5,028                   -317               356               17              -97        1,571           2,500           63,921            91,325        20,823         47,261         74,121         95,029         14,736
                                                  sales to other segments     PLN '000                                                                      -3,039          -6,554        -10,154        -14,214         -3,827          -7,714         -11,287         -15,592        -4,393          -9,346      -14,389      -18,672                          -4,389                   -9,342            -14,385              -18,668                 -2,759             -5,371         -7,504           -9,577        -1,745           4,557            -4,624            -6,738       -2,366         -5,424         -8,780        -12,362         -3,932
              Gross profit / (loss) of the segment                            PLN '000                                                                    41,918          60,054         97,973        122,250         42,310          82,937          99,056         131,930       173,870         186,828      220,682      261,673                        177,390               191,341                226,997             274,774               56,425            119,124          160,385           186,103        26,056          65,038          169,663           227,637        71,984        125,335        194,129        238,760         57,968

Asset Management                                                                                                                                                                                                                                                                                                                                                                                                                        The Group has
                                                                                                                                                                                                                                                                                                                                                                                                                                           ceased to
              Net interest income                                             PLN '000      -6,060         -14,302         -19,281         -25,439         -5,280          -9,140        -14,397        -18,531         -2,912          -6,250          -9,657         -12,979        -3,400          -6,393      -12,651      -18,910                          -3,400                -6,393               -12,651             -18,910
                                                                                                                                                                                                                                                                                                                                                                                                                                         separate the
                                                  sales to external clients   PLN '000             461        1,178           1,867           2,535               697        1,944          3,011          4,225               766        1,595           2,481           3,407         1,067           2,430        2,430        2,430                              1,067                 2,430                 2,430                2,430
                                                                                                                                                                                                                                                                                                                                                                                                                                       segment “Asset
                                                  sales to other segments     PLN '000       -6,521         -15,480         -21,148         -27,974         -5,977         -11,084        -17,408        -22,756         -3,678          -7,845         -12,138         -16,386        -4,467          -8,823      -15,081      -21,340                          -4,467                   -8,823            -15,081              -21,340Management –
                                                                                                                                                                                                                                                                                                                                                                                                                                         discontinued
              Net fee and commission income                                   PLN '000      14,928          28,457          43,823          61,872         21,001          45,253         71,793        105,803          5,740          12,189          19,544          26,978         6,704          13,793       13,795       13,795                           6,704               13,793                 13,795             13,795
                                                                                                                                                                                                                                                                                                                                                                                                                                          operations”
                                                  sales to external clients   PLN '000       14,928          28,554          43,823          61,872         21,001          45,253         71,793        105,803           5740          12,189          19,544          26,978         6,704          13,793       13,795       13,795                              6,704                13,793                13,795          13,795 since 1 January
                                                  sales to other segments     PLN '000                             -97                                                                                                                                                                                                                                                                                                                 2009 (as result
                                                                                                                                                                                                                                                                                                                                                                                                                                           of sale of
              Gross profit / (loss) of the segment                            PLN '000      -2,247         -12,132          -9,894         -39,941          2,093         10,319         16,653         24,424         86,336          85,639          90,051          91,285            465         69,258       62,677      109,768                                465             69,258                62,677             109,768 shares of Aegon
                                                                                                                                                                                                                                                                                                                                                                                                                                         PTE SA on 30
Other
              Net interest income                                             PLN '000        -712            -667            -709             291            727          -1,580         -1,509         -2,374                63         -186            -426          -1,129        -2,128          -5,274       -8,726      -13,091                          -2,128                -5,274                -8,725             -13,092                    -298               -985         -3,861           -4,671          -479            -177           -1,731             -2,480       -1,234         -2,554         -9,777        -13,506         -2,828
                                                  sales to external clients   PLN '000             159       -1,036          -1,516          -1,816           -321            -164           -239           -371               361             270             279             7       -1,411          -3,859       -7,037      -10,895                          -1,411                   -3,859                -7,036           -10,895                    -58               -375         -2,900           -3,357              45              925           249                 -5             46             48       -5,580         -7,725         -1,875
                                                  sales to other segments     PLN '000         -870                369             807        2,107               955       -1,416         -1,270         -2,003           -298            -456            -705           -1136          -717          -1,415       -1,689       -2,196                               -717                -1,415                -1,689            -2,197                   -240               -610             -961         -1,314          -524          -1,102            -1,980            -2,475       -1,280         -2,602         -4,197         -5,781           -953

              Net fee and commission income                                   PLN '000              -2      -2,077             134           1,796           -147            -408           -345           -464            111                 83         -334            -712               -62        -412       -1,317       -1,795                                -62                  -412             -1,317               -1,795                   -410               -579         -1,801           -1,504               -55        -937           -1,547             -1,578         -500         -1,087         -1,175         -1,317           -286
                                                  sales to external clients   PLN '000               6       -2,072                134        1,779           -146            -405           -343           -462               111              83         -334            -712              -62         -412       -1,317       -1,795                                -62                  -412                -1,317            -1,795                   -410               -579         -1,801           -1,504              -55         -936            -1,544            -1,575         -499         -1,086         -1,172         -1,314           -286
                                                  sales to other segments     PLN '000              -8              -5                             17              -1             -3             -2             -2                                                                                                                                                                                                                                                                                                                               (1)              (3)             -3             -1             -1             -3             -3             0

              Gross profit / (loss) of the segment                            PLN '000     -14,400            -639           1,329         -11,577          7,824         15,689         17,957         20,429         16,561          18,585          27,522          80,808        30,571          35,002       32,635       27,813                          30,571                35,002                32,635               27,813              16,266              18,216           33,252           17,136          2,917         10,618             7,051            15,210        -4,441         -7,520        -22,162        -16,101          5,288

Eliminations
              Net interest income                                             PLN '000         170          -8,428          -8,436          -8,454                 -7        -454           -463           -442                                                          -7129                                                                                                                                                                                           -5,721           -3,696           -4,978        -1,744          -3,476           -5,503             -7,615       -1,668         -3,570                0       -1,809                0
                                                  sales to external clients   PLN '000                                       -8,436                                           -454           -463           -442                                                          -7129                                                                                                                                                                                             -5,721         -3,696           -4,978        -1,744          -3,476            -5,503            -7,615       -1,668         -3,570               0        -1,809               0
                                                  sales to other segments     PLN '000             170       -8,428                          -8,454                -7

              Net fee and commission income                                   PLN '000        -432           1,379          -5,047          -8,108           -389            -656         -1,127         -5,378           -233                                                         5,933          12,324       19,264       37,690                           8,466               18,235                 26,091              37,690              10,249              23,157           28,994            37,281         8,366          16,942           27,154            32,663         8,592          9,101         16,892         19,845          5,906
                                                  sales to external clients   PLN '000        1,441                          -5,047                           -389            -656        -1,127          -5,378           -233                                                         5,933          12,324       19,264       37,690                              8,466                18,235                26,091            37,690                 10,249             23,157        28,994            37,281         8,366          16,942           27,154            32,663         8,592          9,101         16,892         19,845          5,906
                                                  sales to other segments     PLN '000       -1,873           1,379                          -8,108

              Gross profit / (loss) of the segment                            PLN '000         162            -231            -228          -3,855         -8,414          -6,635        -18,735        -31,231        -13,916         -13,911         -14,463         -21,796          -541            3693         3822        3,622                               -581             3,653                     3,782            3,622                    -964              2,415         2,397             5,813        -3,204          -2,620           -7,352            -6,768        -1,049           -440          3,185          5,749            646
              Contribution of profit / (loss)
              sharing in associated companies (before tax)                    PLN '000                        -167                            -462                -87         -112           -112           -112               -87




Comment:
the data arise from quarterly reports, data for Q1, Q3 and Q4 2005
arise from Q1, Q3 and Q4 2006 reports respectively. Data for Q2
2005 and Q2 2006 arise from semi-annual report for 1H 2006. Data
for Q4 2005 source from Annual Report 2005.




Comment:
data for Q1 2008, Q2 2008 and Q3 2008 arise from respective quarterly
reports and do not include effect of consolidation of BRE Ubezpieczenia
(data from Q4 2008 column includes the effect). Comparable data for
above mentioned periods will be published in respective 2009 quarterly
reports.




* In order to better reflect organizational responsibilities, since Q3 2010
certain activities presented in the segment Corporates and Financial
Markets were reassigned among its two sub-segments. The reassignment
comprises a shift of the following activities from Corporates and
Institutions to Trading and Investments: (a) Financial Institutions, (b)
Subsidiaries: DI BRE Bank SA, BRE Bank Hipoteczny SA and BRE Corporate
Finance SA.




Comment: Q1 and Q4 2011 and Q1 2012 results adjusted to reflect new
presentation of SWAP points and operating leasing
cumulative data as at the end of quarter                                          Q1 2005        Q2 2005        Q3 2005        Q4 2005        Q1 2006        Q2 2006        Q3 2006        Q4 2006        Q1 2007        Q2 2007        Q3 2007        Q4 2007        Q1 2008        Q2 2008        Q3 2008        Q4 2008        Q1 2009        Q2 2009        Q3 2009        Q4 2009        Q1 2010        Q2 2010        Q3 2010        Q4 2010        Q1 2011        Q2 2011        Q3 2011        Q4 2011        Q1 2012

             Retail Banking Business Line

             mortgage loans* - individuals
             (balance-sheet)                                           PLN b                                                                        3.6            4.6            5.7            6.7            7.8            8.7            9.9           10.7           12.2           13.1           15.4           20.8           23.2           22.2           21.5           21.4          21.06           24.5           23.7           24.8           24.4           26.1           28.7           29.0           27.7
                                                  therein: FX loans    PLN b                                                                        3.0            4.0            5.0            5.8            6.7            7.2            8.1            8.5            9.9           10.8           13.1           18.4           20.8           19.9          19.12           19.1          18.79          22.25            21.4           22.5           22.0           23.5           26.0           26.2           24.6
             NPL of mortgage loans* - individuals                        %                                                                         0.75            0.6            0.5            0.5            0.4            0.4            0.4            0.4            0.3           0.36           0.34           0.31           0.37           0.43           0.47           0.52           0.66           0.74           0.82           0.84           0.96           1.13            1.1            1.2            1.4
             * mBank PL and MultiBank
Retail Banking (Poland)
          number of accounts                                            '000                                                                                                                                                                                                                                                                                                                                                                                                                                              4,893
          number of customers                                           '000                                                                                                                                                                                                                                                                                                                                                                                                                                              3,405
                                               therein: microfirms      '000                                                                                                                                                                                                                                                                                                                                                                                                                                                415
             total number of cards                                    pcs. '000                                                                                                                                                                                                                                                                                                                                                                                                                                           4,800
                                             number of debit cards    pcs. '000                                                                                                                                                                                                                                                                                                                                                                                                                                           4,152
                                             number of credit cards   pcs. '000                                                                                                                                                                                                                                                                                                                                                                                                                                             648
             total deposits                                            PLN m                                                                                                                                                                                                                                                                                                                                                                                                                                             23,029
             total loans                                               PLN m                                                                                                                                                                                                                                                                                                                                                                                                                                             34,672
             value of mortgage loans
             (cumulative)                                              PLN m                                                                                                                                                                                                                                                                                                                                                                                                                                             29,600
             value of mortgage loans
             (balance-sheet growth)                                    PLN m                                                                                                                                                                                                                                                                                                                                                                                                                                             -1,288
             value of mortgage loans - individuals
             (quarterly sales)                                         PLN m                                                                                                                                                                                                                                                                                                                                                                                                                                                440
             Mutual Funds Supermarket (SFI) + Saving Center
             (AuM - cumulative)                                        PLN m                                                                                                                                                                                                                                                                                                                                                                                                                                              1,806
             SFI + Saving Center                                                                                                                                                                                                                                                                                                                                                                              Starting from 2012 mBank (Poland) and Multibank will be presented in total
             (quarterly gross sales)                                   PLN m                                                                                                                                                                                                                                                                                                                                                         as Retail Banking (Poland)                                                             567
             number of brokerage accounts
             (brokerage accounts)                                       pcs.                                                                                                                                                                                                                                                                                                                                                                                                                                            233,768
             number of     mKiosks                                      pcs.                                                                                                                                                                                                                                                                                                                                                                                                                                                 62
             number of     CFs (Financial Centers)                      pcs.                                                                                                                                                                                                                                                                                                                                                                                                                                                 25
             number of     Partner mKiosk                               pcs.                                                                                                                                                                                                                                                                                                                                                                                                                                                 10
             number of     CUFs (Financial Services Centers)            pcs.                                                                                                                                                                                                                                                                                                                                                                                                                                                 73
             number of     partner outlets                              pcs.                                                                                                                                                                                                                                                                                                                                                                                                                                                 61

mBank (Poland)
         number of accounts                                             '000           1,107         1,146          1,231          1,324          1,424          1,509          1,601          1,703          1,825          1,921          2,029          2,172          2,323          2,466          2,636          2,849          2,984          3,098          3,264          3,480          3,709        3,832.0          3,956          4,064          4,156          4,199          4,229          4,280
         number of customers                                            '000             828           885            945          1,015          1,091          1,155          1,219          1,290          1,375          1,447          1,525          1,629          1,732          1,834          1,952           2035           2120           2155          2,212          2,296          2,371        2,436.1          2,511          2,581          2,644          2,688          2,719          2,752
                                               therein: microfirms      '000                83             90             96         104            114            121            128            135            144            151            160            173            186            197            221            238            250            257            257            265            273          279.7            286            292            298            301            305            309
             total number of cards                                    pcs. '000          441           483            526            581            635            706            756            874            967          1,050          1,139          1,272          1,392          1,513          1,649          1,805          1,956          2,076          2,184          2,307          2,428        2,531.0          2,652          2,764          3,012          3,186          3,375          3,573
                                             number of debit cards    pcs. '000          414           452            488            532            579            640            681            782            859            928          1,000           1110          1,213          1,315          1,427          1,545          1,663          1,760          1,853          1,965          2,070         2,158.1         2,268          2,369          2,604          2,768          2,947          3,136
                                             number of credit cards   pcs. '000             27             31             38             49             57             66             75             91         108            122            139            162            179            198            222            260            293            317            331            342            358          372.9            384            394            407            419            428            437
             total deposits                                            PLN m           3,408         3,618          3,776          4,035          4,372          4,702          4,972          5,314          5,930          5,915          6,665          7,630          8,831          9,593         10,361         10,896         10,453         11,024         11,485         12,709         13,770       13,973.1         13,836         14,341         14,740         14,584         14,667         15,214
             total loans                                               PLN m             623           777            965          1,140          1,397          1,953          2,514          3,043          3,653          4,183          4,894          5,399          6,234          6,868          8,215         10,903         12,207         11,967         11,747         11,758         11,714       13,389.1         13,161         13,680         13,565         14,076         15,298         15,431
             value of mortgage loans
             (cumulative)                                              PLN m             474           587            741            884          1,115          1,626          2,140          2,623          3,159          3,566          4,160          4,541          5,232          5,649          6,751          9,160         10,284          9,901          9,589          9,606          9,475       11,019.6         10,658         11,152         10,962         11,683         12,793         12,887
             value of mortgage loans
             (balance-sheet growth)                                    PLN m             106           113            154            143            231            511            514            484            536            407            594            380            691            417          1,102          2,409          1,124           -383           -312                17        -131          1,545           -361            493           -190            722          1,110                93
             value of mortgage loans - individuals
             (quarterly sales)                                         PLN m             118           147            202            167            304            587            687            708            598            602            677            627            653            867          1,011            614            239            158            151            188            189          290.0            219            127            196            281            233            217
             Mutual Funds Supermarket (SFI)
             (AuM - cumulative)                                        PLN m             390           419            500            581            770            831            956          1,215          1,529          2,191          2,058          1,856          1,420          1,212          1,061            819            811            979          1,200          1,299          1,452        1,462.1          1,571          1,685          1,696          1,659          1,330          1,261
             SFI
             (quarterly gross sales)                                   PLN m             155           118            217            224            387            400            295            521            645            901            768            391            190                98         114            124            117            188            270            250            275          303.0            425            306            746            501            614            379
             number of eMakler accounts                                           the service offered since
             (brokerage accounts)                                       pcs.      25.07.2005                        8,421         12,384         17,250         23,600         28,086         34,227         46,140         62,348         73,675         82,959         89,971         95,501        104,004        114,837        122,914        130,750        137,305        144,879        151,096        174,270        177,644        189,112        192,439        197,794        199,789        200,650
             number of mKiosks                                          pcs.                21             22          28             40             42             46             47             50             52             56             58             61             61             64             65             68             68             67             66             65             65             65             65             65             65             63             62             62
             number of CFs (Financial Centers)                          pcs.                13             15          14             14             14             15             15             15             15             15             15             15             15             16             16             16             21             21             21             23             23             23             24             24             25             25             25             25
             number of Partner mKiosk                                   pcs.                                                    the service offered since June 2007                                                              4             10             27             41             56             63             77             81             82             63             54             46             42             33             26             21             18             13             10

MultiBank
             number of accounts                                         '000             130           140            150            162            175            186            199            211            222            232            242            253            264            276            292            315            329            344            358            373            387          397.6            392            386            385            385            387            389
             number of customers                                        '000             208           225            241            263            283            301            318            337            354            371            391            409            427            448            463            493            512            531            550            570            588          603.2            592            592            595            600            603            610
                                               therein: microfirms      '000                31             34             36             39             43             46             48             51             53             55             59             62             65             68             71             74             78             82             86             91             94        96.3                97             98             98             99         100            101
             total number of cards                                    pcs. '000          134           147            158            169            181            277            303            324            351            376            405            433            466            502            542            575            609            639            666            698            728          756.6            794            832            873           914             987          1,046
                                             number of debit cards    pcs. '000          111           121            130            137            149            224            246            264            285            303            324            345            369            394            422            443            468            492            515            541            567          590.3            622            656            693            729            798            853
                                             number of credit cards   pcs. '000             23             26             29             31             32             53             57             60             66             73             81             89             97         108            120            132            141            147            151            157            162          166.4            172            176            180            185            189            193
             total deposits                                            PLN m             761           846            929          1,099          1,211          1,374          1,532          1,754          1,983          2,038          2,379          2,733          3,131          3,364          3,661          4,434          3,824          4,002          4,482          5,249          5,679        5,508.2          5,166          5,093          5,009          4,748          5,090          5,959
             total loans                                               PLN m           2,002         2,292          2,570          2,887          3,258          3,947          4,589          5,188          5,928          6,503          7,280          7,739          8,712          9,461         10,849         14,094         15,712         15,352         15,021         15,023         14,916       17,054.4         16,730         17,397         17,283         18,433         20,018         20,308
             value of mortgage loans
             (cumulative)                                              PLN m           1,654         1,880          2,121          2,392          2,718          3,335          3,909          4,412          5,069          5,522          6,193          6,560          7,405          7,979          9,198         12,187         13,530         13,022         12,587         12,528         13,164       15,204.5         14,741         15,333         15,155         16,252         17,762         18,002
             value of mortgage loans
             (balance-sheet growth)                                    PLN m             189           226            241            271            326            617            574            503            658            453            670            368            845            574          1,219          2,989          1,343           -508           -435            -59            636          2,041           -464            592           -178          1,097          1,510            240
             value of mortgage loans - individuals
             (quarterly sales)                                         PLN m             196           269            308            316            354            550            695            710            739            759            805            741            810          1,087          1,136            854            373            284            157            232            270          519.0            386            219            357            585            394            422
             Saving Center - Investment Funds Supermarket
             (AuM - cumulative)                                        PLN m                90             97         129            167            225            246            289            373            473            713            661            578            399            324            277            205            206            253            312            342            389          411.6            489            534            534            518            412            369
             Saving Center
             (quarterly gross sales)                                   PLN m                33             27             58             78         120            127             95            183            211            329            268            137             54             23             22             29             44             55             78             86             95          107.0            121            128            102            68              61             37
             number of brokerage accounts                               pcs.                      the service offered since April 2006                           1,575          2,676          4,417          6,735          9,408         10,900         12,400         13,800         15,000         15,668         17,130         17,850         18,550         19,055         20,146         20,514         29,294         28,873         31,373         31,231        32,591          32,725         32,799
             number of CUFs (Financial Services Centers)                pcs.                35             34             34             38             44          45             46             46             52             57             57             65             67             73             79             79             81             83             76             76             75             72             72             72             72            72              72             74
             number of partner outlets                                  pcs.                17             23             27             34             38          38             38             38             41             44             44             44             46             49             51             52             51             51             58             58             59             61             61             61             62            62              62             61



mBank - foreign expansion
          number of accounts                                            '000                                                                                                                                                                                     36         128            211            301            389            527            624            694            775            846            879            902            924            947            966            985          1,005          1,027
                                               therein: Czech Rep.      '000                                                                                                                                                                                     24             95             49         232            299            418            487            536            585            629            655            672            686            702            715            729            743            756
                                                 therein: Slovakia.     '000                                                                                                                                                                                     12             33         161                70             90         109            136            158            191            218            224            230            239            245            250            256            262            271
             number of customers                                        '000                                                                                                                                                                                     26             85         135            191            244            294            323            354            390            424            447            464            478            492            504            515            527            539
                                               therein: Czech Rep.      '000                                                                                                                                                                                     18             63         102            145            186            224            244            266            289            313            330            341            350            361            369            378            386            395
                                                 therein: Slovakia.     '000                                                                                                                                                                                      8             23             33             46             59             70             78             88         101            111            117            123            128            132            135            138            141            144
             total deposits                                            EUR m                                                                                                                                                                                      8         236            496            672            796            816            978          1,077          1,139          1,149           1024            991            927            911            916            872            829            866
                                               therein: Czech Rep.     EUR m                                                                                                                                                                                      4         181            381            519            610            612            745            818            849            825            719            682            630            636            656            624            593            627
                                                 therein: Slovakia.    EUR m                                                                                                                                                                                      4             55         115            153            186            203            233            259            291            324            305            308            297            276            260            248            236            240
             total loans                                               EUR m                                                                                                                                                                                      1              5             35         104            181            216            237            252            259            281            311            350            357            369            381            382            376            393
                                               therein: Czech Rep.     EUR m                                                                                                                                                                                      0              2             19             63         109            132            152            167            173            195            225            266            275            289            304            308            304            323
                                                 therein: Slovakia.    EUR m                                                                                                                                                                                      0              3             15             41             72             84             85             85             86             86             86             84             82             79             77             74             72             70
             number of CFs (Financial Centers)                          pcs.                                                                                                                                                                                      5              9             12             15             16             17             17             17             17             13             15             15             13             13             13             13             13             13
                                               therein: Czech Rep.      pcs.                                                                                                                                                                                      3              6              7              9             10             10             10             10             10              6              9              9              9              9              9              9              9              9
                                                 therein: Slovakia.     pcs.                                                                                                                                                                                      2              3              5              6              6              7              7              7              7              7              6              6              4              4              4              4              4              4
                                                                                                                                                                                                                                  Business
             number of mKiosks                                          pcs.                                                                                                                                                                                      8             16             25             26             26             26             26             26             26             27             20             20             22             22             22             22             22             22
                                                                                                                                                                                                                            in the Czech. Rep.
                                               therein: Czech Rep.      pcs.                                                                                                                                                    and Slovakia                      1              7             16             17             17             17             17             17             17             17             15             15             17             17             17             17             17             17
                                                 therein: Slovakia.     pcs.                                                                                                                                             launched on 25.11.2007                   7              9              9              9              9              9              9              9              9             10              5              5              5              5              5              5              5              5
data as at the end of quarter        Q1 2005        Q2 2005        Q3 2005        Q4 2005        Q1 2006        Q2 2006        Q3 2006        Q4 2006        Q1 2007        Q2 2007        Q3 2007        Q4 2007        Q1 2008        Q2 2008        Q3 2008        Q4 2008        Q1 2009        Q2 009        Q3 2009        Q4 2009        Q1 2010        Q2 2010        Q3 2010        Q4 2010**    Q1 2011        Q2 2011        Q3 2011        Q4 2011        Q1 2012

       Corporates & Institutions*

Number of Corporate        Customers
              K1            pcs.                                                        928            937            929            942            969            968            979            987            996            948            942            946            968            960            905           908            898            993           1062          1,083           1,101       1,114          1,145          1,153          1,185          1,207
                                      There was different segmentation of
              K2            pcs.                                                      3,179          3,206          3,305          3,387          3,470          3,511          3,589          3,679          3,658          3,770          3,827          3,853          3,896          3,883          3,852         3,875          3,810          3,679          3,860          3,905           3,993       4,071          4,132          4,211          4,246          4,260
                                        customers before BREactivation
              K3            pcs.                                                      5,926          6,095          6,375          6,567          7,003          7,179          7,444          7,677          7,631          7,717          7,909          8,047          8,234          8,238          8,233         8,209          8,128          8,111          8,104          8,138           8,177       8,238          8,359          8,514          8,546          8,947

Loans to Corporate Customers
               K1    PLN m                                                            3,388          3,904          3,780          3,959          3,371          3,588          3,996          4,167          4,605          5,365          5,531          5,468          6,019          6,153          5,666         6,192          6,460          5,785          5,898          5,869           6,001       6,517          7,164          8,183         11,261         11,122
               K2    PLN m                                                            4,883          6,091          6,577          5,931          5,188          6,032          6,886          7,015          7,030          6,886          7,295          7,507          7,702          8,144          8,180         7,901          7,764          7,577          7,917          7,806           8,029       8,243          8,226          8,919          9,371          9,443
               K3    PLN m                                                              415            461            557            618            653            780            938          1,054          1,077          1,197          1,345          1,440          1,566          1,695          1,700         1,989          1,732          1,703          1,756          1,919           2,150       2,190          2,283          2,455          2,792          2,731
             Repo    PLN m                                                                                                                                                                                                     922            470            155            407            185            834           370            354            499            289            310           3,337       2,651          1,958          1,838          1,153            285

Corporate Customers' Deposits
               K1    PLN m                                                            7,536          6,994          6,956          7,671          7,730          8,632          8,936          9,651          8,679          6,416          7,412          7,566          6,858          6,280          7,807         7,220          7,263          8,175          8,385          8,994           9,378       9,251         11,743         11,600         12,939          9,684
               K2    PLN m                                                            5,553          5,463          6,750          5,983          6,775          6,142          8,112          6,525          8,341          5,733          5,758          5,434          5,661          5,126          5,156         5,867          6,748          6,022          5,861          5,797           6,631       5,657          5,610          5,834          8,146          7,200
               K3    PLN m                                                            1,294          1,272          1,288          1,688          1,704          1,826          1,961          2,052          2,649          2,349          2,327          2,420          2,450          2,040          1,982         2,107          2,181          1,957          2,075          2,298           2,561       2,484          2,606          2,647          2,749          2,655
            Repo     PLN m                                                                                                                                                                                                    3132           2750           2625            934            352          1,427           531            881            933            831            958           2,707       2,280          1,164          1,756          1,818            536

Number of Corporate Branches
                            pcs.               23             23             23             23             23             23             23             23             23             23             23             23             23             23             24             24             24            24             24             24             24             24             24           24             24             26             28             29             29

Number of Corporate Offices
                            pcs.                                                                                                                                                       1              2              4             12             17             17             21             21            22             22             21             21             21             21           21             21             20             19             19             19




                                         *The Corporates and Institutions is a sub-segment of the Corporates and Financial Markets segment.
                                   The segment was created in Q1 2007 by merger of two business lines: Corporate Banking and Investment Banking.



                  ** in Q4/2010 data related toCorporate Customers' loans and deposists have been modified starting from Q1/2008; position: "Repo" has been added.




 K1 is the segment of the largest corporations with annual sales over PLN 500 million (until Q1/10 it was 1 billion); K2 is the segment of corporations with annual sales between PLN 30
                          million and PLN 500 million (until Q1/10 it was 1 billion); K3 is the segment of SMEs with annual sales between PLN 3 and 30 million.
cumulative data as at the end of quarter                                                                      Q1 2007    Q2 2007    Q3 2007    Q4 2007    Q1 2008    Q2 2008    Q3 2008    Q4 2008    Q1 2009    Q2 2009    Q3 2009    Q4 2009    Q1 2010    Q2 2010      Q3 2010    Q4 2010   Q1 2011    Q2 2011    Q3 2011    Q4 2011   Q1 2012

              Asset Management

PTE Skarbiec-Emerytura
(merged with Aegon PTE on 30 June 2008; stake in Aegon PTE sold in December 2008)
             pre tax profit                                                                        PLN '000     4,429      9,242     15,510     21,302      5,301      11710      11710
             net profit                                                                            PLN '000     3,579      7,467     12,539     17,214      4,190       9374       9374
             net assets of OFE (open pension fund)                                                  PLN m       3,311      3,526      3,519      3,548      3,471      3,419      6,069
             number of pension fund members                                                                   443,427    451,998    454,211    446,440    451,640    455,292    775,444
             market share in pension fund market:
                                                                       by number of members           %           3.5%       3.4%       3.4%       3.4%       3.4%       3.4%       5.6%
                                                                                        by AuM        %           2.6%       2.6%       2.5%       2.5%       2.5%       2.5%       4.3%


SAMH
(sold in January 2007)
             pre tax profit*                                                                       PLN '000
             net profit*                                                                           PLN '000
             net AuM
                                                                                    Skarbiec TFI    PLN m
                                                             Skarbiec Investment Management         PLN m


             market share in mutual funds market
             (by AuM)                                                                                 %


*Consolidated data; data for Q4 2006 composed as sum of SAMH and SIM results



BRE Wealth Management**
(former Skarbiec Investment Management)
             Pre-Tax Profit                                                                        PLN '000        194      2,830      3,512      3,855        827      1063       1533         846        695        937      2,768      6,068      2,032        4,023      6,028    10,697      2,414      6,342      8,856    10,964       -378
             Net Profit                                                                            PLN '000        150      2,288      2,840      3,118        668       860       1240         655        554        749      2,230      4,888      1,644        3,254      4,872     8,649      1,951      5,128      7,132     8,827       -311
             Net AuM                                                                                PLN m            0        503        566        635        660       658        638         795        748        910        838        850        908          875      1,088     1,202      1,305      1,368      1,266     1,233      1,238

**The company is classified as part of the "Retail Banking & PB" segment
data as at the end of quarter*)                                      Q1 2005           Q2 2005            Q3 2005           Q4 2005         Q1 2006          Q2 2006         Q3 2006          Q4 2006         Q1 2007          Q2 2007         Q3 2007          Q4 2007         Q1 2008          Q2 2008         Q3 2008         Q4 2008         Q1 2009          Q2 2009          Q3 2009         Q4 2009         Q1 2010           Q2 2010         Q3 2010          Q4 2010          Q1 2011          Q2 2011          Q3 2011          Q4 2011          Q1 2012

                      Main Subsidiaries - financial results

BRE Bank Hipoteczny (mortgage bank)
               pre tax profit        PLN '000                             6,881            12,076             19,607            34,346           9,600           19,019          31,404           40,243           9,385           17,486          28,021           42,420          11,366           23,992          38,206          53,108          10,326           16,662           26,429          32,474          11,483           22,514           32,484           37,799            9,078           12,826           22,386           27,589           11,822
               net profit            PLN '000                             5,574             9,782             15,882            28,097           7,776           16,144          25,437           30,389           7,602           14,579          22,593           35,351           9,174           19,273          30,923          43,063           8,258           13,358           21,260          25,297           9,090           17,560           27,381           30,861            7,239            9,369           15,542           20,878            9,716
               loan portfolio (balance-sheet)
                                     PLN '000                         1,877,519         1,904,712          1,915,538         2,026,904       2,107,384        2,231,499       2,235,427        3,148,932       3,301,190        3,658,195       3,847,430        4,131,783       4,305,389        4,481,838       4,798,610       5,032,547       4,526,861        4,427,195        4,274,674       4,106,744       3,888,805        3,924,612        3,786,579        3,769,131        3,800,037        3,831,158        4,009,647        4,150,313        4,044,074
                                                                                      acc. to PAS
                      market share/position (among mortgage banks)
                                             %/#                                                                                       #1               #1              #1               #1              #1               #1              #1              #1               #1               #1              #1             #1               #1               #1               #1              #1              #1               #1               #1              #1                #1               #1               #1               #1               #1               #1


BRE Leasing
                      pre tax profit        PLN '000                      4,034              8,614            14,602            20,452           5,567           13,063          21,285           29,568           8,841           25,304          36,906           49,914          10,521           26,159          33,337          34,092           4,823            4,791            3,586            5336          13,906          27,397            43,552           44,092           14,949           26,005           34,666           49,127           16,492
                      net profit            PLN '000                      3,108              6,245            10,599            15,117           3,918            9,431          14,930           21,343           6,372           19,965          28,218           38,941           8,228           20,205          25,702          26,046           3,571            3,097            1,584            1980          10,813          20,612            33,095           29,634           11,523           20,058           26,772           37,828           12,758
                                            PLN signed, incl.:
                      value of leasing contracts'000                    237,838            738,698         1,206,774         1,474,850         357,518        1,193,600       1,647,700        2,125,054         654,700        1,503,244       2,199,565        2,762,500         805,488        1,830,313       2,466,175       3,397,696         401,795        1,120,210        1,490,606       1,872,003         296,791         739,376         1,343,831        1,934,300          595,234        1,269,138        1,806,013        2,550,767          458,281
             movables leasing contracts        PLN '000                 237,838            311,608           779,684         1,047,760         357,518        1,193,600       1,491,580        1,920,148         551,100        1,223,910       1,845,992        2,370,100         805,488        1,549,065       2,149,027       2,997,224         376,795          727,250        1,097,646       1,479,043         296,791         709,676         1,206,630        1,797,099          499,151        1,122,555        1,608,279        2,168,073          458,281
            real estate leasing contracts      PLN '000                       0            427,090           427,090           427,090               0                0         156,120          204,910         103,600          279,334         353,573          392,400               0          281,248         317,148         400,473          25,000          392,960          392,960         392,960               0          29,700           137,201          137,201           96,084          146,584          197,734          382,694                0
                      market share/position
                                     total        %/#                    7.6%; #3          13.2%; #2         11.8%; #2          9.0%; #2        9.8%; #3        12.7%; #1       13.3%, #2        11.1%; #3       10.7%; #4         9.7%; #3       10.3%; #3         9.3%; #3       10.0%; #3        10.2%; #2       10.4%; #3       10.7%; #2                                          9.6%; #2        8.5%; #2        5.8%; #5         6,3%; #5         7,4%; #3         7,1%; #3         8,9%; #3         8,7%; #3         8,1%; #3         8,2%; #3        6,5%; #3
                       movables leasing           %/#                                       8.3%; #3          8.1%; #3          7.5%; #3                        13.2%; #1       12.7%, #2        10.3%; #3       10.1%; #3        19.6%; #2        9.3%; #3         8.9%; #3                         9.6%; #3                       10.4%; #3                                          7.8%; #2        7.3%; #4        6.1%; #5         6,6%; #5         7,1%; #3         7,0%; #3         8,2%; #2         8,1%; #3         7,6%; #3         7,4%; #3        6,7%, #3
                     real estate leasing          %/#                                      55.5%; #1                           17.4%; #3                                        21.4%, #2        10.1%; #3       14.7%; #2         8.7%; #3       22.8%; #2        13.1%; #3                        17.0%; #2                       13.6%; #2                                         27.9%; #2       22.2%; #2                         5,3%; #8        13,5%; #3         8,6%; #3        18,1%; #3        21,3%; #2        20,2%; #2        22,6%; #2               n.a.


DI BRE Banku (BRE Securities)
               pre tax profit                  PLN '000                   6,796             10,955            15,124            14,621           6,114           13,436          18,527           26,889          12,303           30,911          43,264           53,866          10,530           15,100          19,955          25,949           5,145           16,813           27,937           42155           8,993           16,980           26,789           37,075            6,846           16,556           26,706           33,201            5,944
               net profit                      PLN '000                   5,586              8,975            12,229            11,608           4,949           10,698          14,814           20,850           9,954           25,026          34,814           43,110           8,535           12,132          15,928          20,624           3,401           13,574           22,471           34203           7,334           13,623           21,653           29,849            5,677           13,395           21,661           26,824            5,131
               trading volume of:
                                  equities      PLN m                     1,675              2,783             4,641             7,356           4,171            9,376          13,669           19,791           7,766           16,711          24,384           31,434           5,866            9,455          13,840          17,457           4,590           11,170           18,455        25728.82           7,070           13,030           19,372           25,688            6,777           12,652           20,415           26,390            5,996
                                    bonds       PLN m                        19                 39                66                83              22               55              94              166              19               53              76               97              30               63             109             238              48               72              103          141.94              33              106              125              151               26               41               63               72               12
                                   futures        pcs.                  258,826            496,648           887,032         1,287,846         447,429          925,242       1,322,522        1,698,722         541,105          915,497       1,546,905        2,186,317         756,271        1,377,974       2,025,464       2,847,700         869,122        2,022,373        3,223,240         4201253       1,083,961        2,050,950        2,936,139        3,918,721        1,072,377        1,884,691        3,088,205        4,020,025          770,503
                                   options        pcs.                   26,966             48,796            94,484           161,979          83,709          153,923         200,088          235,410          63,426          100,511         152,608          196,842          46,415           85,863         135,521         185,600          56,265          127,358          203,626          281605         135,816          226,460          258,603          286,837           24,654           48,929           81,288           95,229           15,015
                      market share/position
                                  equities        %/#                          4.0%              3.8%               3.7%        4.1%; #8        5.6%; #7         5.8%; #7         6.0%;#7         6.1%; #7         6.5%;#7          6.9%,#7        6.8%; #6          6.6%:#7        5.8%; #7         5.5%; #8        5.5%; #7        5.4%; #8          7%; #6           7%;#5            7%; #5          7%; #5          7%; #4           6%;#8            6%;#7                6%;8         4,3%;8           4,7%;8           5.2%;7           5.3%;7          5.05%;7
                                    bonds         %/#                          1.7%              1.7%               1.8%        1.6%; #9       1.5%; #10         2.0%; #8         2.5%;#8         3.0%; #6         2.0%;#7          2.7%,#6        2.8%; #7         3.8%; #6        3.3%; #6         3.9%; #4        4.2%; #4        5.3%; #4          6%; #3           5%; #4           5%; #4          5%; #5          6%; #4           8%;#3            6%;#4                6%;4         6,2%;4           5,3%;3           5.1%;3           4.6%;4          1.19%;9
                                   futures        %/#                      11.1%               11.4%            11.5%          12.0%; #3       13.5%; #2        13.6%; #2        13.2%;#2        13.4%; #2        13.7%;#2         12.1%,#2       11.8%; #2        11.7%; #2       10.9%; #3        11.3%; #3       11.4%; #2       11.8%; #3         15%; #2          16%; #2          16%; #2       15,5%; #2         14%; #2          13%;#3           14%;#3             14%;2          14,5%;2          14,1%;2          14.3%;2          14.1%;2         14.76%;1
                                   options        %/#                      36.0%               35.9%            32.2%          31.9%; #1       40.6%; #1        38.6%; #1        37.6%;#1        35.9%; #1        32.5%;#1         26.8%,#1       24.0%; #1        24.9%; #1       26.5%; #1          29%; #1       27.9%; #1       28.5%; #1         32%; #1          34%; #1          34%; #1         33%; #1         38%; #1          33%;#1           26%;#2             21%;3           4,6%;7           5,3%;6           5.7%;7           5,7%;8          5.26%;6
Intermarket Bank
               pre tax profit      EUR '000                               1,212             2,653              3,476             4,716           1,341            2,825           4,537            5,531           1,492            3,296           4,415            5,914           2,072            4,001           5,714           7,912          -3,411           -5,814           -4,827           -3434             691            1,574            2,790            2,663              840            2,368
               net profit          EUR '000                                 991             1,946              2,666             3,679           1,006            2,122           3,403            4,438           1,119            2,809           3,584            4,769           1,721            3,373           4,713           6,368          -3,462           -5,092           -4,358           -3487             593            1,228            2,244            1,425              630            1,793
               total sales         EUR '000                             467,383         1,037,475          1,665,840         2,338,349         558,849        1,236,954       1,978,046        2,793,723         713,127        1,509,095       2,299,731        3,192,346         788,224        1,690,414       2,663,739       3,604,062         707,540        1,471,096        2,334,403       3,267,811         761,374        1,663,989        2,604,819        3,578,208          826,044        1,754,345
               market share/position %/#                                                                                         55%; #1                                                           59%; #1                                                           60%; #1                                                          57%; #1         49%; #1                                n/a        49%; #1              n./a              n/a             n/a       43,1%, #1               n./a             n./a


Transfinance
                      pre tax profit      CZK '000                       13,385            36,422             52,530            73,358          16,083           39,699          57,023           90,110          18,707           39,704          59,063           87,615          19,860           41,833          53,618          35,691             260            5,039            7,940            7294             -84            3,131          -44,222          -63,825            5,829           13,863           20,636           25,841            1,434
                      net profit          CZK '000                        9,905            20,359             32,279            45,105          12,223           24,637          35,885           56,267          12,074           26,431          39,691           55,943          13,901           30,301          38,061          11,481             201            2,279            3,809            2056            -140            2,031          -51,322          -41,508            3,810            9,279           13,197           16,932            1,133
                      sales               CZK '000                    4,800,978         9,907,888         15,418,676        22,035,635       5,872,908       12,657,116      19,507,488       27,038,412       6,241,283       12,605,828      18,955,877       26,045,952       5,936,403       12,446,483      18,102,477      22,708,769       3,068,986        6,381,050        9,784,471      13,414,067       3,160,729        7,002,543       11,093,342       15,408,634        4,172,975        9,312,383       13,913,862       18,314,097        4,924,901
                      market share/position %/#                           24%; #2            24%; #2           25%; #2           25%; #2         26%; #2          23%; #2         25%,#2           25%,#2          21%;#2           20%; #3         20%; #3          19%; #3         17%, #3          17%; #3         17%, #3         16%; #3                          14%; #4          14%; #4         13%; #3         13%; #3         13%; #3           13%; #3        13,4%; #3        14,1%; #3        14,4%; #3        14,4%; #3        14,0%; #3        15,7%; #3


Polfactor
                      pre tax profit       PLN '000                       2,045             4,446              6,902             9,587           2,143            5,454           8,479           11,531           2,535            5,616            8841           12,578           3,075            6,312           9,777          12,456           2,507            4,873            7,860            6455           2,081            5,116            8,246           11,990            3,754            8,030           12,335           18,735            4,314
                      net profit           PLN '000                       1,579             3,434              5,411             7,642           1,730            4,437           6,858            9,339           1,948            4,341            6893            9,904           2,439            4,979           7,627           9,420           1,894            3,556            5,777            3494           1,594            4,005            6,518            9,560            3,149            6,615            9,961           15,077            3,344
                      sales                PLN '000                     521,671         1,114,551          1,732,973         2,416,219         602,634        1,351,520       2,101,442        2,904,973         815,025        1,700,475       2,534,348        3,351,358         775,549        1,631,044       2,563,537       3,451,240         782,278        1,785,496        2,948,980       4,129,287         985,265        2,117,196        3,188,838        4,460,785        1,107,592        2,415,601        4,004,104        5,934,769        1,800,483
                      market share/position %/#                                                                22%; #3           21%; #3         20%; #3          21%; #3         22%;#3           21%; #3         21%;#3           22%; #3         20%; #3          18%; #3         11%; #3          10%; #3         10%; #3       10.5%; #3       11.2%; #4        12.6%; #4        13.6%; #3       13,8%; #4       11.5%; #4       11,12%; #4       10,47%; #4        7,98%, #5        8,02%; #5        8,12%; #5        8,54%; #5        8,84%; #5        9,77%; #5


Magyar Factor
                      pre tax profit      HUF '000                      101,922           213,631            350,609           459,618          97,021          177,951         297,028          484,632          90,039          172,615         282,617          340,766          88,097          152,423         218,493         264,509           5,241             -972           67,224          150252          59,830          112,486          149,365          178,100           31,883           90,123
                      net profit          HUF '000                       77,461           187,288            291,391           374,270          81,498          151,229         247,316          355,847          72,031          140,354         234,840          276,019          70,478          123,670         176,526         215,322           4,193             -972           53,779          123109          50,257           93,203          128,533          143,383           28,695           80,105
                      sales               HUF '000                   22,994,255        49,562,070         80,445,572       113,738,085      24,502,967       43,863,382      71,873,680       98,415,332      22,618,225       46,643,299      75,825,872      105,722,605      24,325,840       56,997,428      86,306,987     113,923,446      18,906,765       37,368,655       56,234,117      77,777,032      20,522,792       39,145,558       68,984,355      100,465,821       27,603,867       55,701,967
                      market share/position %/#                                                                                  25%; #1                          15%;#2                           14%; #2                          15%; #2                          14%; #2         13%; #2          16%; #2         14%; #2         14%; #2       11.2%; #2          11%; #2        10.4%; #2       10,6%; #3       11.5%; #3        10,6%;#3          11,0%;#3       11,4%, , #3       13,9%; #2                n/a


BCF
                      pre tax profit           PLN '000                        254                   36             -362              339             -801        -1,378               -574             194              -77        1,294           1,568            2,006                -334          -931          -1,562          -1,994               -554             -704        -1,372          -1,334                  6        1,816            1,888             1,287                -366              -84               10              -65             -355
                      net profit               PLN '000                        147                  -93             -518              210             -818        -1,398               -592             146             -108        1,057           1,272            1,617                -503        -1,082          -1,733          -2,157               -550             -702        -1,372          -1,330                  1        1,769            1,889             1,402                -490             -215             -122             -188             -356

BRE locum
                      pre tax profit           PLN '000                         -67           -1018            -1798             6,823           4,366           17,633          18,130           18,029           4,101            6,828          10,020           47,398          34,114           39,851          39,180          36,678          19,336           23,100           36,619          37,924           1,450            6,202            6,491             7,607                412         1,082            5,700           12,470                 599
                      net profit               PLN '000                        -246           -1108            -1902             5,494           3,525           14,212          14,645           14,582           3,297            5,518           8,096           38,034          27,272           32,378          31,707          29,496          18,236           21,281           35,885          36,937           1,170            5,082            5,311             6,207                352           922            4,826           10,303                 481

CERI
                      pre tax profit           PLN '000                        364             1065                 778               487             207              371             575              691             266              508             740              793              -11             712         1195                383             -731              -11             223             889             665         1,457            3,188             3,635                 13              -222             782              697        11,403
                      net profit               PLN '000                        352              863                 506               283             151              312             441              436              67              256             349              292                0             623          824                566             -598             -202               8             776             360         1,011            2,310             2,898                 10              -167             595              531         9,145

BRE Ubezpieczenia**)
              pre tax profit                                                                                                                                                                                                                                                                                                        -28,985           5,853           17,398           29,873          37,233          16,297           25,567           32,950           33,871           11,052           28,223           43,101           53,476           21,932
              net profit                                                                                                                                                                                                                                                                                                            -31,084           4,535           14,178           25,935          32,597          15,305           23,407           29,974           31,269            9,129           23,438           35,043           43,966           18,071



*) data on gross and net profit source from consolidation packages

**) differences in data vs. consolidation
packages arrise from consollidation
adjustments


currency exchange rate
(average on NBP's average monthly
rates of three months from respective
quarter)
                                  EUR/PLN                                  4.0153             4.0805            4.0583            4.0233          3.8456           3.9002          3.9171           3.8991          3.9063           3.8486          3.8314           3.7768          3.5574           3.4776          3.4083          3.5321          4.5994           4.5184           4.3993          4.3406          3.9669          4.0042            4.0027           4.0044           3.9742           3.9673           4.0413           4.1401           4.1750
                                  CZK/PLN                                  0.1341             0.1354            0.1352            0.1349          0.1353           0.1374          0.1380           0.1380          0.1385           0.1360          0.1362           0.1361          0.1394           0.1384          0.1378          0.1411          0.1654           0.1667           0.1658          0.1639          0.1532          0.1556            0.1576           0.1585           0.1628           0.1628           0.1660           0.1682           0.1673
                                  HUF/PLN                                0.016387           0.016440          0.016391          0.016181        0.014973         0.014830        0.014703         0.014771        0.015410         0.015351         0.01526         0.015024        0.013666         0.013804        0.014017        0.014074        0.015329          0.01558         0.015533        0.015479        0.014736          0.0147            0.0145           0.0145           0.0147           0.0148           0.0149

				
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