TOP 200 BANKS IN CEE - 2010 LEAGUE TABLE

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TOP 200 BANKS IN CEE - LEAGUE TABLE
TOP 200 CEE BANKS ACCOUNT FOR MORE THAN 90% OF CEE BANKING ASSETS
ALMOST THE HALF OF TOP CEE BANKS COME FROM 4 MAJOR MARKETS: POLAND, CZECH REPUBLIC, HUNGARY AND ROMANIA

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TOP 200 BANKS IN CEE - 2010 LEAGUE TABLE

  1. 1. TOP 200 BANKS IN CEE – 2010 EDITIONSeptember 2010by Inteliace Research
  2. 2. TABLE OF CONTENTS1. CEE-15 Banking MarketSlide 1: CEE banking markets: size vs. growth matrix, 2007-2009Slide 2: Banking assets penetrationSlide 3: Bank assets in CEE-15 by country, 2008-2009Slide 4: Top 10 Investors in CEE banks, 2009Slide 5: Report coverage: Number of large banks by country, 2008/2009Slide 6: CEE-15 and Top 200 assets evolution 2007/2009 TOP 200 BANKS IN CEE-15 – 2010 EDITIONSlide 7: Profitability of Top 200 banks, 2009: ROAE, ROAA2. List of 200 major banks on the CEE-15 banking market as of 2009Slide 8: Top 200 - League table: Banks 1-25Slide 9: Top 200 - League table: Banks 26-50Slide 10: Top 200 - League table: Banks 51-75Slide 11: Top 200 - League table: Banks 76-100Slide 12: Top 200 - League table: Banks 101-125Slide 13: Top 200 - League table: Banks 126-150Slide 14: Top 200 - League table: Banks 151-175Slide 15: Top 200 - League table: Banks 176-200Note on methodology 2 Inteliace Research
  3. 3. AGENDA TOP 200 BANKS IN CEE-15 – 2010 EDITION  CEE-15 Banking Market  TOP 200 CEE banks – league table 3 Inteliace Research
  4. 4. BANKING MARKETS IN THE CEE-15* AREA – SIZE VS.GROWTHCEE-15* banking markets - Size vs. growth matrix, 2007-2009 28 Slovenia Low growth Moderate growth 26 52 24 22 Banking assets per capita, 2009, `000 EUR Total banking TOP 200 BANKS IN CEE-15 – 2010 EDITION 20 x assets, 2009 18 in billion EUR Estonia Czech 16 Republic 21 155 Croatia Hungary 14 31 Slovakia 126 12 Latvia 53 10 53 Lithuania Poland 8 24 Bulgaria 258 6 Romania 4 36 BiH 78 11 23 2 7 5 FYROM Albania Serbia (Macedonia) 0 -1% 1% 3% 5% 7% 9% 11% Average annual assets growth (CAGR), 2007-2009, in EUR, % 4* Major 15 CEE countries. Russia, Ukraine and Belarus not included Inteliace ResearchSource: Central banks, IMF, Inteliace Research
  5. 5. ASSET PENETRATION VARIES STRONGLY ACROSS THE CEE-15 AREA Banking assets/capita, 2009 Banking assets/GDP, 2009 EUR `000 percent Slovenia 25.7 Latvia 167% Estonia 15.4 Estonia 150% TOP 200 BANKS IN CEE-15 – 2010 EDITION Czech Rep 14.8 Slovenia 144% Latvia 13.5 Hungary 132% Hungary 12.6 Croatia 116% Croatia 11.9 Czech Rep 112% Slovak Rep 9.8 Bulgaria 111% Lithuania 7.2 Lithuania 93% Poland 6.8 BiH 85% Bulgaria 4.8 Slovak Rep 82% Romania 3.5 Albania 81% Serbia 3.0 Poland 79% BiH 2.6 CEE-15 Macedonia 77% CEE-15 weighted weighted Macedonia 2.4 average: 7.4 Serbia 73% average: 96 Albania 2.0 Romania 67% 5Source: Central banks, IMF, National Statistical Offices Inteliace Research
  6. 6. IN 2009, BANKING ASSETS IN CEE-15 COUNTRIES INCREASED BY ~1%, REACHING EUR 932 BILLION Highest growth rate in EUR billion Assets increase during ’09, due to: Assets Nominal Local currency growth Banking Assets, EoY 2008 Growth* appreciation** Banking Assets, EoY 2009 % Poland 249.7 4.6 3.9 258.2 3.4 Czech Rep 150.2 1.7 2.6 154.6 2.9 Hungary 121.3 7.6 -2.7 126.2 4.0 TOP 200 BANKS IN CEE-15 – 2010 EDITION Romania 79.0 3.9 -4.5 78.3 -0.8 Slovak Rep 63.9 -10.9 0 53.0 -17.0 Croatia 51.6 1.1 0.1 52.8 2.3 Slovenia 47.6 4.2 0 51.8 8.8 Bulgaria 35.6 0.7 0 36.3 2.0 Latvia 33.0 -2.2 0 30.8 -6.7 Lithuania 25.9 -1.6 0 24.3 -6.2 Estonia 20.1 -1.3 0 22.5 12.4 Serbia 21.9 4.0 -1.5 20.6 -6.1 BiH 10.8 -0.2 0 10.6 -1.6 Albania 6.8 0.4 -0.7 -4.3 6.5 Macedonia 4.6 0.4 0 8.5 5.0 Total CEE 15 922 13 -3 932 1.1* Growth (during 2009) in local currency divided by exchange rate as of EoY 2009 6** Appreciation vs. EUR Inteliace ResearchSource: Central banks, Inteliace Research
  7. 7. UNICREDIT IS THE MAJOR FOREIGN INVESTOR IN CEE BANKING SECTOR Top 10 foreign investors in CEE banks, 2009 Controlled assets Number of countries Market share* Rank Bank EUR billion where bank is present percent UniCredit 82.0 12 9.3 1 Erste 8.4 TOP 200 BANKS IN CEE-15 – 2010 EDITION 2 73.7 6 3 KBC 72.6 9 8.3 4 Raiffeisen 56.9 11 6.5 5 Société Générale 48.5 7 5.5 6 Intesa Sanpaolo 36.2 8 4.1 7 ING 23.7 5 2.7 8 Commerzbank 22.5 3 2.6 9 Swedbank 20.9 3 2.4 10 OTP 17.8 6 2.0 454.9 51.8 7* Share in CEE region (combined) Inteliace ResearchSource: Banks, Inteliace Research
  8. 8. ALMOST THE HALF OF TOP CEE BANKS COME FROM 4 MAJOR MARKETS: POLAND, CZECH REPUBLIC, HUNGARY AND ROMANIA TOP 200 banks in CEE - number of banks by country* Report Coverage as of 2009 change 2009/2008 Countries Poland 30 -2 covered Estonia Czech Rep 24 -1 Latvia Hungary 22 1 TOP 200 BANKS IN CEE-15 – 2010 EDITION Lithuania Romania 21 1 Russia Belarus Slovenia 18 0 Poland Bulgaria 14 0 Germany Slovak Rep 13 -1 Ukraine Czech Slovakia Serbia 13 1 Austria Latvia 11 0 Hungary Romania Croatia Slovenia 9 -1 Croatia Bosnia Lithuania 8 1 Serbia Bulgaria Montenegro** Bosnia 6 1 Macedonia Albania Albania 4 0 Greece Estonia 4 0 Macedonia 3 0* Top 200 qualifying condition: Assets worth EUR 571 m. (2009) vs. EUR 654 m. (2008) 8** Montenegro not includedSource: Banks, Inteliace Research Inteliace Research
  9. 9. TOP 200 CEE BANKS ACCOUNT FOR MORE THAN 90% OF CEE BANKING ASSETS CEE-15 bank assets, 2007-2009 Assets value of bank #200 in CEE-15 EUR billion, percent EUR million 2009/2007 x CAGR, % TOP 200 BANKS IN CEE-15 – 2010 EDITION 932 +7 922 100% = 819 +8 -4 9.3 9.7 9.5 654 Other 618 571 +6 TOP 90.7 90.3 200 90.5 banks 2007 2008 2009 2007 2008 2009 TOP200 banks hold most banking Top 200 league „qualifying level” assets on CEE15 markets fell down in 2009 9Source: Inteliace Research Inteliace Research
  10. 10. PROFITABILITY OF CEE BANKS DECREASED IN 2009 ROAE** distribution for Top 200*, 2009 Top 200 - average profitability ratios*, 2008-2009 in percent in percent as of 2008 as of 2009 ROAE** 50 TOP 200 BANKS IN CEE-15 – 2010 EDITION 40 30 ROAE** 15.47 6.81 20 10 0 -10 0 5 10 15 20 25 30 35 -20 Asset size billion EUR -30 ROAA** 1.31 0.61 -40 -50 Number of banks reporting a net loss in 2009: 40 CEE banks profitability fell down sharply in 2009* Not weighted average for 180 banks. Excluded branches of foreign banks 10** ROAE – Return on average equity, ROAA – Return on average assetsSource: Inteliace Research Inteliace Research
  11. 11. AGENDA TOP 200 BANKS IN CEE-15 – 2010 EDITION  CEE Banking Market  TOP 200 CEE banks – league table 11 Inteliace Research
  12. 12. TOP 200 BANKS IN CEE - LEAGUE TABLE (1/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 1 1 PKO Bank Polski S.A. Poland 37,402 31,458 4,912 592 State 2 2 Bank Pekao S.A. Poland 30,895 30,676 4,374 599 UniCredit 3 4 Československá obchodní banka a.s. Czech Republic 28,444 26,230 2,305 816 KBC 4 3 Česká spořitelna a.s. Czech Republic 27,772 27,063 2,177 425 Erste Group 5 6 OTP Bank Nyrt. Hungary 24,948 21,800 3,514 584 Various legal subjects 6 5 Komerční banka a.s. Czech Republic 22,862 22,650 2,367 392 Société Générale TOP 200 BANKS IN CEE-15 – 2010 EDITION 7 7 BRE Bank S.A. Poland 17,675 17,343 928 14 Commerzbank 8 10 Nova Ljubljanska banka d.d. Slovenia 15,509 14,477 1,178 -24 State 9 9 Banca Comercială Română S.A. Romania 15,262 16,187 1,503 263 Erste Group 10 8 ING Bank Śląski S.A. Poland 14,545 16,667 1,148 142 ING 11 14 Zagrebačka Banka D.D. Croatia 12,704 12,205 1,934 166 UniCredit 12 11 BZ WBK S.A. Poland 12,644 13,233 1,337 240 AIB 13 12 Slovenská sporiteľňa a.s. Slovak Republic 11,333 12,359 753 12 Erste Group 14 15 Kereskedelmi és Hitelbank Zrt. Hungary 11,255 12,005 670 68 KBC 15 13 BRD Groupe Société Générale S.A. Romania 10,962 12,356 1,098 184 Société Générale 16 22 MKB Bank Zrt. Hungary 10,733 10,033 952 48 BayernLB 17 25 Erste Bank Hungary Nyrt. Hungary 10,717 9,940 625 87 Erste Group 18 17 Bank Millennium S.A. Poland 10,703 11,028 613 20 BCP 19 16 CIB Bank Zrt. (c) Hungary 10,180 11,477 980 17 Intesa Sanpaolo 20 21 UniCredit Bank Czech Republic a.s. Czech Republic 9,999 10,348 1,114 105 UniCredit 21 18 Všeobecná úverová banka a.s. Slovak Republic 9,550 10,852 964 146 Intesa Sanpaolo 22 26 Kredyt Bank S.A. Poland 9,472 9,257 646 40 KBC 23 19 Swedbank Estonia 9,288 10,679 535 -78 Swedbank 24 23 Raiffeisen Bank Zrt. Hungary 9,086 10,051 508 16 Raiffeisen 25 20 Tatra banka a.s. (c) Slovak Republic 9,014 10,551 808 95 RaiffeisenFB – Foreign bank branches, typically do not report equity on non-home markets 12(c) – Consolidated figure Inteliace ResearchSource: Inteliace Research
  13. 13. TOP 200 BANKS IN CEE - LEAGUE TABLE (2/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 26 24 Citibank handlowy S.A. Poland 8,874 9,886 1,493 128 Citibank 27 27 Privredna Banka Zagreb D.D. Croatia 8,831 8,703 1,342 113 Intesa Sanpaolo 28 66 BPH/GE Poland 8,317 3,779 837 14 GE Capital 29 28 BGK S.A. Poland 8,047 6,572 1,325 21 State 30 41 Getin Noble Bank Poland 8,045 5,586 699 77 GETIN Holding SA 31 35 OTP Jelzálogbank Zrt. Hungary 7,313 6,036 339 111 OTP TOP 200 BANKS IN CEE-15 – 2010 EDITION 32 31 Raiffeisenbank a.s. Czech Republic 7,301 6,749 497 75 Raiffeisen 33 29 AB SEB Bankas Lithuania 6,966 7,481 412 -448 SEB 34 34 Erste & Steiermärkische Bank D.D. Croatia 6,699 6,222 759 83 Erste Group 35 32 UniCredit Bank Hungary Zrt. (c) Hungary 6,414 6,654 585 57 UniCredit 36 30 Swedbank Latvia 6,344 7,479 748 -427 Swedbank 37 44 Hypoteční banka a.s. Czech Republic 6,228 5,131 777 52 KBC (via ČSOB) 38 36 Českomoravská stavební spořitelna a.s. Czech Republic 6,089 5,776 312 64 KBC (via ČSOB) 39 38 BGŻ S.A. Poland 5,943 5,761 525 26 Rabobank 40 40 Unicredit Bulbank Bulgaria 5,889 5,631 835 99 UniCredit 41 42 Raiffeisenbank Austria D.D. Croatia 5,406 5,512 745 56 Raiffeisen 42 46 Polbank EFG Poland 5,354 4,900 FB -41 EFG Eurobank 43 71 Hypo Alpe-Adria-Bank D.D. Croatia 5,269 3,604 870 16 Hypo Alpe-Adria-Bank 44 39 AB Swedbank Lithuania 5,250 5,760 518 -305 Swedbank 45 33 Československá obchodná banka a.s. Slovak Republic 5,246 6,626 558 -15 KBC 46 43 Volksbank România S.A. Romania 5,139 5,360 295 n/a Volksbank International 47 37 Raiffeisen Bank Polska S.A. Poland 5,112 5,770 566 29 Raiffeisen 48 69 GE Money Bank a.s. Czech Republic 5,099 3,660 859 80 GE Capital 49 55 Alpha Bank Romania S.A. Romania 5,012 4,377 265 15 Alpha Bank 50 64 Nordea Poland 4,972 3,779 293 35 Nordea BankFB – Foreign bank branches, typically do not report equity on non-home markets 13(c) – Consolidated figureSource: Inteliace Research Inteliace Research
  14. 14. TOP 200 BANKS IN CEE - LEAGUE TABLE (3/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 51 49 Fortis BNP Poland 4,944 4,767 333 -104 BNP 52 74 CEC Bank S.A. Romania 4,921 3,397 384 4 (g) State 53 56 UniCredit Tiriac Bank S.A. Romania 4,833 4,379 515 81 UniCredit 54 53 Nova KBM d.d. Slovenia 4,789 4,565 368 12 State 55 50 Raiffeisen Bank S.A. Romania 4,733 4,738 443 n/a Raiffeisen 56 57 Banca Transilvania S.A. Romania 4,606 4,270 420 15 EBRD TOP 200 BANKS IN CEE-15 – 2010 EDITION 57 62 Abanka Vipa d.d. Slovenia 4,512 3,823 364 23 State 58 54 Dsk Bank Bulgaria 4,468 4,432 720 88 OTP 59 48 ING Bank N.V. Prague Branch Czech Republic 4,274 4,777 FB 35 ING 60 61 Magyar Fejlesztési Bank Zrt. Hungary 4,239 3,876 524 15 State 61 59 United Bulgarian Bank Bulgaria 4,167 3,960 534 51 NBG 62 52 AS SEB Pank Estonia 4,137 4,615 351 -93 SEB 63 68 DB PBC Poland 4,124 3,728 315 -10 Deutsche Bank 64 60 Citibank Europe plc organizační složka Czech Republic 4,005 3,888 FB n/a Citibank 65 58 SEB banka Latvia 3,818 4,296 305 -180 SEB 66 70 Stavební spořitelna České spořitelny a.s. Czech Republic 3,810 3,648 210 57 Raiffeisen 67 67 Splitska Banka D.D. Croatia 3,781 3,743 435 43 Societe Generale 68 47 Parex banka Latvia 3,505 4,848 217 -158 legal subjects 69 63 AB DnB NORD bankas Lithuania 3,458 3,794 235 -117 DnB NORD 70 65 Bancpost S.A. Romania 3,451 3,761 365 n/a EFG Eurobank 71 72 Raiffeisenbank (Bulgaria) Bulgaria 3,395 3,517 463 26 Raiffeisen 72 73 BUDAPEST Bank Nyrt. Hungary 3,328 3,503 370 37 GE Capital 73 79 UniCredit Banka d.d. Slovenia 3,267 2,891 191 9 TRIGLAV, D.D. 74 80 Banca Intesa a.d. Beograd Serbia 3,212 2,824 297 63 Intesa Sanpaolo 75 75 Nordea Bank Finland Latvia branch Latvia 3,196 3,294 FB -23 Nordea BankFB – Foreign bank branches, typically do not report equity on non-home markets(c) – Consolidated figure 14(g) – Gross profit as at 30 June 2009 Inteliace ResearchSource: Inteliace Research
  15. 15. TOP 200 BANKS IN CEE - LEAGUE TABLE (4/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 76 51 UniCredit Bank Slovakia a.s. Slovak Republic 3,185 4,652 428 22 UniCredit 77 93 Nordea Bank Estonia 3,101 2,547 FB 1 Nordea Bank 78 78 Raiffeisen stavebni spořitelna a.s. Czech Republic 3,096 2,964 133 32 Société Générale 79 82 Eurobank EFG Bulgaria Bulgaria 3,081 2,780 383 10 EFG Eurobank 80 87 FHB Jelzálogbank Nyrt. Hungary 3,046 2,696 282 24 Vienna Capital Partners 81 86 BPS Poland 3,036 2,702 114 14 Co-operatives TOP 200 BANKS IN CEE-15 – 2010 EDITION 82 106 SID banka d.d. Ljubljana Slovenia 3,025 2,088 322 1 UniCredit 83 88 Lukas Bank Poland 3,018 2,675 301 13 Crédit Agricole 84 89 BOS Poland 2,916 2,659 214 3 State 85 90 Modrá pyramida stavební spořitelna a.s. Czech Republic 2,874 2,626 159 17 Commerzbank 86 91 SKB banka d.d. Slovenia 2,737 2,600 256 23 State 87 118 Eurobank Poland 2,683 1,799 216 24 Société Générale 88 84 ING Bank N.V. Romania 2,598 2,738 FB n/a ING 89 96 Banka Celje d.d. (c) Slovenia 2,560 2,415 199 7 Société Générale 90 83 DnB NORD Banka Latvia 2,514 2,783 178 -124 DnB NORD 91 76 COMMERZBANK AG Prague Branch Czech Republic 2,503 3,287 FB 20 State 92 85 Dexia banka Slovensko a. s. Slovak Republic 2,468 2,718 82 -13 Dexia 93 95 Banka Koper d.d. Slovenia 2,426 2,502 258 22 KBC 94 97 Santander Poland 2,414 2,416 211 6 Santander 95 77 Citibank Zrt. Hungary 2,372 3,027 289 80 Citibank 96 94 Nordea Bank, Lietuvos skyrius Lithuania 2,369 2,506 FB -12 Nordea Bank 97 81 Českomoravská záruční a rozvojová banka a.s. Czech Republic 2,348 2,801 206 31 State 98 102 Hypo Alpe-Adria-bank d.d. Slovenia 2,332 2,262 194 3 Intesa Sanpaolo 99 98 Piraeus Bank Romania S.A. Romania 2,251 2,325 262 n/a Piraeus Bank 100 103 Raiffeisen BANK d.d. BiH BiH 2,146 2,183 188 4 RaiffeisenFB – Foreign bank branches, typically do not report equity on non-home markets 15(c) – Consolidated figureSource: Inteliace Research Inteliace Research
  16. 16. TOP 200 BANKS IN CEE - LEAGUE TABLE (5/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 101 114 Komercijalna banka a.d. Beograd Serbia 2,141 1,928 178 22 State 102 104 First Investment Bank Bulgaria 2,094 2,176 209 16 private individuals 103 92 Danske Bank Estonia 2,093 (x) 2,592 FB -131 (g) Danske Bank 104 134 Poštová banka a.s. Slovak Republic 2,080 1,460 165 23 ISTROKAPITAL SE 105 100 Banca Românească S.A. NBG Romania 2,041 2,308 228 2 NBG 106 116 Raiffeisen banka a.d. Beograd Serbia 2,018 1,816 286 0 Raiffeisen TOP 200 BANKS IN CEE-15 – 2010 EDITION 107 112 Prvá stavebná sporiteľňa a.s. Slovak Republic 2,000 1,949 253 28 Swab. Hall, Raiffeisen 108 115 Gorenjska Banka d.d. Slovenia 1,938 1,826 373 34 Hypo Alpe-Adria-Bank 109 110 Hrvatska Poštanska Banka D.D. Croatia 1,914 1,998 89 -61 State 110 121 DnB NORD Poland 1,887 1,739 145 -19 DnB NORD 111 127 Česká exportní banka a.s. Czech Republic 1,879 1,578 112 4 Volksbank International 112 105 Piraeus Bank Bulgaria Bulgaria 1,853 2,118 266 23 Piraeus Bank 113 124 AB bankas Snoras Lithuania 1,837 1,649 146 3 private individuals 114 108 Raiffeisen Bank Sh.a. (c) Albania 1,835 2,048 178 34 Raiffeisen 115 119 Volksbank CZ a.s. Czech Republic 1,799 1,774 207 7 PPF Group N.V. 116 122 UniCredit Bank d.d. BiH 1,765 1,688 188 15 UniCredit 117 113 AIG Poland 1,756 1,936 250 7 AIG 118 109 Magyarországi Volksbank Zrt. Hungary 1,728 2,024 n/a -8 Volksbank International 119 120 Otp Banka Hrvatska D.D. Croatia 1,717 1,747 219 12 OTP 120 101 RBS Bank Romania S.A. Romania 1,697 2,295 150 n/a RBS 121 123 PPF banka a.s. Czech Republic 1,634 1,660 133 31 Wüstenrot & Württembergische 122 117 Danske Bank A/S, Lietuvos filialas Lithuania 1,579 1,803 FB -126 Danske Bank 123 130 HSBC Bank plc - pobočka Praha (y) Czech Republic 1,553 1,527 FB -15 legal subjects 124 219 Alior Poland 1,545 531 238 -66 Carlo Tassara 125 137 Eurobank EFG a.d. Beograd Serbia 1,532 1,400 328 29 EFG EurobankFB – Foreign bank branches, typically do not report equity on non-home markets(c) – Consolidated figure(x) – Data as at 30 September 2009; (y) – Data as at 31 December 2008 16(g) – Gross profit Inteliace ResearchSource: Inteliace Research
  17. 17. TOP 200 BANKS IN CEE - LEAGUE TABLE (6/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 126 145 Societe Generale Expressbank Bulgaria 1,477 1,285 179 12 Société Générale 127 144 Hypo Alpe-Adria Bank a.d. Beograd Serbia 1,451 1,291 216 23 Hypo Alpe-Adria-Bank 128 139 Gospodarczy Bank Wielkopolski Poland 1,432 1,382 75 6 Co-operatives 129 164 Unicredit Bank Srbija a.d. Beograd Serbia 1,416 1,010 166 10 UniCredit 130 128 VOLKSBANK Slovensko a.s. Slovak Republic 1,412 1,530 127 -7 Volksbank International 131 138 Aizkraukles banka Latvia 1,407 1,394 105 -27 private individuals TOP 200 BANKS IN CEE-15 – 2010 EDITION 132 140 Magyar Takarékszövetkezeti Bank Zrt. Hungary 1,401 1,382 48 5 Co-operatives 133 146 Wüstenrot – stavební spořitelna a.s. Czech Republic 1,401 1,273 72 11 Wüstenrot Group 134 126 Rietumu Banka Latvia 1,392 1,585 188 12 private individuals 135 131 Calyon S.A. Czech Branch Czech Republic 1,387 1,520 FB 3 Crédit Agricole 136 125 OTP Banka Slovensko a.s. Slovak Republic 1,386 1,621 92 -25 OTP 137 142 Raiffeisen Banka d.d. Slovenia 1,382 1,340 72 0 Raiffeisen 138 135 J&T BANKA a.s. Czech Republic 1,381 1,436 124 9 legal subjects 139 129 Credit Europe Bank Romania S.A. Romania 1,343 1,527 120 n/a CREDIT EUROPE BANK N.V. 140 111 Rabobank Poland 1,332 1,951 56 4 Rabobank 141 99 ING Bank Zrt. Hungary 1,302 2,300 0 0 ING 142 150 Probanka d.d. Slovenia 1,274 1,192 112 5 Raiffeisen 143 141 Mortgage Bank Latvia 1,254 1,345 111 -77 State 144 149 AB Ūkio bankas Lithuania 1,222 1,223 114 -22 private individuals 145 159 AXA Kereskedelmi Bank Zrt. (x) Hungary 1,193 1,077 40 -2 AXA 146 157 Alpha Bank S.A.-Sofia Branch Bulgaria 1,146 1,096 FB -35 ALPHA BANK AE 147 147 Hypo Alpe-Adria-Bank d.d. Mostar BiH 1,142 1,237 93 -10 Hypo Alpe-Adria-Bank 148 170 AIK banka a.d. Niš Serbia 1,141 942 265 58 ATEBANK 149 152 LBBW Bank CZ a.s. Czech Republic 1,101 1,174 105 -29 LBBW 150 151 Banka Sparkasse d.d. Slovenia 1,093 1,182 96 0 legal subjectsFB – Foreign bank branches, typically do not report equity on non-home markets 17(x) – as at 30 June 2009 Inteliace ResearchSource: Inteliace Research
  18. 18. TOP 200 BANKS IN CEE - LEAGUE TABLE (7/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 151 155 BRE BH Poland 1,087 1,121 103 6 Commerzbank (BRE) 152 160 Citibank Europe Romania 1,074 1,060 FB n/a Citibank 153 156 UniCredit Bank Latvia 1,068 1,120 68 2 UniCredit 154 167 Stopanska banka AD Skopje Macedonia 1,067 966 122 11 NBG 155 173 Factor banka d.d. Slovenia 1,054 877 98 2 Erste Group 156 162 Volksbank D.D. Croatia 1,046 1,044 239 6 Volksbank International TOP 200 BANKS IN CEE-15 – 2010 EDITION 157 158 Corporate Commercial Bank Bulgaria 1,041 1,077 141 31 legal subjects 158 182 Société Générale bank Srbija a.d. Beograd Serbia 1,040 811 135 17 Societe Generale S.A. 159 132 Deutsche Bank Poland 1,036 1,518 159 (c) 28 (c) Deutsche Bank 160 153 Merkantil Bank Zrt. Hungary 1,013 1,158 n/a 10 OTP 161 172 Komercijalna banka AD Skopje Macedonia 987 893 113 17 private individuals 162 169 Cibank Bulgaria 982 943 107 2 KBC 163 201 Bank Pocztowy Poland 953 647 66 2 State 164 175 Central Cooperative Bank Bulgaria 940 850 129 11 legal subjects 165 181 Banka Kombëtare Tregtare (c) Albania 927 827 59 5 Çalik Holding 166 177 Deželna banka Slovenije d.d. (c) Slovenia 911 839 78 0 legal subjects 167 166 Vojvođanska banka a.d. Novi Sad Serbia 909 979 170 11 NBG 168 161 Commerzbank (Budapest) Zrt. Hungary 908 1,057 83 -9 Commerzbank 169 174 Volksbank - Ljudska banka d.d. Slovenia 904 866 69 0 legal subjects 170 179 NLB Tutunska Banka Macedonia 895 829 70 7 KBC (via NLB) 171 165 Hypo Alpe-Adria-Bank d.d. Banja Luka BiH 852 979 72 1 Hypo Alpe-Adria-Bank 172 209 Banca Comercial Carpatica Romania 852 574 66 -5 private individuals 173 n/a FHB Kereskedelmi Bank Zrt. Hungary 850 575 n/a -11 Vienna Capital Partners 174 180 Allianz-Bulgaria Commercial Bank Bulgaria 836 832 74 3 Allianz 175 183 Mkb Unionbank Bulgaria 834 785 68 2 Bayern LB/MKBFB – Foreign bank branches, typically do not report equity on non-home markets 18(c) – Consolidated figure Inteliace ResearchSource: Inteliace Research
  19. 19. TOP 200 BANKS IN CEE - LEAGUE TABLE (8/8) UNCONSOLIDATED FIGURES 2009 2008 2009 2009 Rank Rank Bank Name Country Assets Assets Equity Net profit Major Shareholder 2009 2008 EURm EURm EURm EURm 176 226 Garanti Bank International Romania 831 457 FB n/a legal subjects 177 163 ING Bank N.V. Slovak Republic 831 1,035 FB 4 ING 178 171 Intesa Sanpaolo Bank Albania (c) Albania 829 865 80 12 Intesa Sanpaolo 179 184 Waldviertler Sparkasse von 1842 AG Czech Republic 817 765 FB 1 Erste Group 180 168 Latvijas Krajbanka Latvia 808 964 71 -3 private individuals 181 197 Fundamenta-Lakáskassza Zrt. (c) Hungary 804 667 22 7 Schwäbisch Hall TOP 200 BANKS IN CEE-15 – 2010 EDITION 182 187 Eximbank S.A. Romania 799 732 239 n/a State 183 136 Citibank Europe plc Slovak Republic 795 1,404 FB 3 Citibank 184 185 Magyar Export-Import Bank Zrt. Hungary 793 755 71 2 State 185 178 OTP Bank România S.A. Romania 789 836 93 n/a OTP 186 191 Poštna banka Slovenije d.d. Slovenia 787 703 39 5 Volksbank International 187 154 Banca Italo-Romena S.p.A. Romania 784 836 FB 38 Veneto Banca 188 199 Alpha Bank Srbija a.d. Serbia 768 658 173 -55 ALPHA BANK A.E. 189 194 Intesa Sanpaolo România Romania 723 701 129 0 Intesa Sanpaolo 190 192 Volksbank a.d. Srbija Serbia 721 702 143 9 Volksbank International 191 176 J&T BANKA a.s. Slovak Republic 687 849 FB 8 legal subjects 192 188 ProCredit Bank a.d. Beograd Serbia 677 731 67 8 ProCredit holding a.g.Frankfurt 193 190 NORVIK BANKA Latvia 664 729 86 6 private individuals 194 203 OTP Lakástakarékpénztár Zrt. Hungary 657 614 n/a n/a OTP 195 228 Poljoprivredna banka Agrobanka a.d. Beograd Serbia 615 447 152 13 State 196 198 Banka Tirana (c) Albania 613 661 79 3 Piraeus Bank 197 206 AB Šiaulių bankas Lithuania 598 594 74 -9 private individuals 198 200 NLB Razvojna banka BiH 594 654 41 4 KBC (via NLB) 199 n/a Intesa Sanpaolo Banka, d.d. BiH 593 517 63 2 Intesa Sanpaolo 200 193 BAWAG d.d. Slovenia 571 701 17 -3 State (via Nova KBM)FB – Foreign bank branches, typically do not report equity on non-home markets 19(c) – Consolidated figureSource: Inteliace Research Inteliace Research
  20. 20. About this report About Inteliace Research This report has been prepared using Inteliace Research Inteliace Research is an independent and privately owned proprietary research and publicly available sources, research firm based in the heart of Eastern Europe in including: financial reports, press publications, industry Warsaw / Poland. magazines, directories, financial databases and expert opinions. Our company specializes in value-added research services and tailored business intelligence solutions. TOP 200 BANKS IN CEE-15 – 2010 EDITION Views presented in this report reflect solely the independent and unbiased opinion of Inteliace Research Through our customized research services we help our and authors. clients to better understand their customers, competitors and overall market dynamics. All due care has been taken in the production of this report. However, Inteliace Research does not accept any The lead researcher and founder of Inteliace Research is responsibility or liability for any omissions or inaccuracies Marcin Mazurek. of the information contained in this publication. Our contact details: This report is copyrighted. Any distribution, storage, Inteliace Research replication and usage is restricted to Inteliace Research 02-791 Warszawa, Poland clients only. In case of any doubt please contact us at: Tel. +48 22 408 66 20, info@inteliace.com Tel. +48 502 512 178 Fax. +48 22 349 21 40 mail: info@Inteliace.com url: http://www.inteliace.com/en/publications.php20 Inteliace Research
  21. 21. RECENT PUBLICATIONS BY INTELIACE RESEARCH Documents: 2011 • February - Mortgage Lending in Poland ’11 • April - Bank outlets database ’11 • April - Banking Market in Poland ’11 • June - Insurance Market in Poland ’11 • July - Investment Funds and Asset Mgmt. ’11 TOP 200 BANKS IN CEE-15 – 2010 EDITION • September - Top 200 CEE banks ’11 • October - Banking Market in Poland – Update 1H11 2012 • February - Mortgage Lending in Poland ’12 • April - Banking Market in Poland ’12 • May - Bank outlets database ’12 • June - Insurance Market in Poland ’12 and many other ... Visit http://www.inteliace.com/en/publications.html for more details Inteliace Research

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